https://www.spreaker.com/podcast/choosefi-financial-independence-podcast--7445048enInvestingCopyright vasderhttps://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/1e3f1515692c2e701fb990cbb7292c46.jpghttps://www.spreaker.com/podcast/choosefi-financial-independence-podcast--7445048Thu, 08 Oct 2026 20:45:33 +0000vasdervasderfeeds@spreaker.comJonathan & Brad explore the world of Financial Independence. They discuss reducing expenses, crushing debt, building passive income streams through online businesses and real estate. How to pay off debt, Crush your grocery bill and travel the world...false3d769b70-d8e7-5f61-bb9b-d7e9f56b8789episodichttps://www.spreaker.com/episode/620-book-club-happy-money-when-is-enough-enough-jillian-johnsrud-ginger--75645888023e80f0-d180-437e-bc5d-7dee5d916c09Mon, 05 Oct 2026 06:00:00 +0000vasderYour FI number is a calculation. "Enough" is a feeling. They're not the same thing—and confusing them keeps people working years past their actual financial independence. Ginger and Jillian Johnsrud unpack this crucial distinction while discussing Ken...3370money mindsetfalse620fullhttps://www.spreaker.com/episode/619-the-student-loan-rulebook-was-rewritten-travis-hornsby--75645885f8b8a838-8fbf-465d-bf9e-0908c5561ffbMon, 28 Sep 2026 06:00:00 +0000vasderThe federal government just split student loan borrowers into two groups: those who borrowed before July 2026 keep access to income-driven repayment and forgiveness strategies, while everyone after gets strict caps, fewer options, and tax bills on...3621debtfalse619fullhttps://www.spreaker.com/episode/618-you-learned-how-to-save-now-learn-how-to-spend-jesse-mecham--7564588916b79001-7384-4778-ae42-ed7148c8ed3cMon, 21 Sep 2026 06:00:00 +0000vasderEvery dollar you save is just money you're planning to spend later—so why does no one talk about the skill of spending well? Jesse Mecham, founder of YNAB, couldn't justify buying a fifty-cent donut despite being objectively "good at money," and that...3047money mindsetfalse618fullhttps://www.spreaker.com/episode/617-the-hidden-assumption-in-every-retirement-calculator--75645892e7a6afb3-f434-48b9-a445-1869491370fdMon, 14 Sep 2026 06:00:00 +0000vasderMost retirement calculators assume your money needs to last until age 95. But if you're 55 years old today, average life expectancy is actually 79 for men and 82 for women. This single hidden assumption could mean the difference between retiring five...3628fi fundamentalsfalse617fullhttps://www.spreaker.com/episode/616-how-should-you-give-money-to-your-kids-529s-utmas-trump-accounts-more--756458991b258bd2-9500-4bac-8663-af4ab4432827Mon, 07 Sep 2026 06:00:00 +0000vasderMost parents rush to open 529 plans for newborns, convinced they're building their child's future. But here's what financial experts won't tell you: that decision might be destroying more value than it creates. The accounts marketed most aggressively...4159kids & family financefalse616fullhttps://www.spreaker.com/episode/615-how-to-get-more-years-of-freedom-fritz-gilbert--7564589495a32330-b50c-4cea-af84-03af48930b13Mon, 31 Aug 2026 06:00:00 +0000vasderEight years into financial independence, Fritz Gilbert discovered something surprising: learning to spend money is harder than learning to save it. After decades of optimizing every dollar toward early retirement, he found himself in a 90-minute...4643lifestyle designfalse615fullhttps://www.spreaker.com/episode/614-getting-personal-with-personal-finance-oz-chen--7564589198c79079-c447-4823-925e-cefad8711ab4Mon, 24 Aug 2026 06:00:00 +0000vasderMost Americans never truly disconnect from work—even on vacation. After decades of tying your identity, daily rhythm, and sense of worth to a paycheck, stepping away feels less like freedom and more like freefall. Oz Chen spent years financially...3793money mindsetfalse614fullhttps://www.spreaker.com/episode/613-how-do-you-know-you-re-making-the-right-financial-decision-roundup-with-ginger--756458964e452bc4-c47d-4251-ba4d-d72d82caf57fMon, 17 Aug 2026 06:00:00 +0000vasderEvery expert sounds convincing until you realize you've collected ten different "right" answers to the same retirement question. Brad Barrett recently found himself overwhelmed by competing FI strategies—from Cody Garrett's bond ladders to Aubrey...3765lifestyle designfalse613fullhttps://www.spreaker.com/episode/612-what-actually-happened-paige-s-fi-journey-nine-years-later--756458870d4664b5-a679-409c-a616-749609fa651dWed, 12 Aug 2026 06:00:00 +0000vasderStarting with negative net worth at 47 in Los Angeles on $58,000 a year sounds impossible. Yet Paige reached financial independence by 56, retired early, and now lives exactly the life she designed. This isn't theory — this is what happened nine years...3277financial independencefalse612fullhttps://www.spreaker.com/episode/611-choosefi-classic-financial-independence-on-an-ordinary-income-paige-sam--7564589878cceba8-d53e-4f65-9b9f-c0278b758ac4Mon, 10 Aug 2026 06:00:00 +0000vasderPaige started her journey to financial independence at 45 with student loans, negative net worth, and an average income in Los Angeles—yet she'll reach FI by 2025. Sam lives on $12,000 per year in the same expensive city and champions "retiring often"...4260fi fundamentalsfalse611fullhttps://www.spreaker.com/episode/610-sabbatical-success-around-the-world-in-367-days--75645895d671f2f2-4146-4880-b701-83d3fd89668fMon, 03 Aug 2026 06:00:00 +0000vasderA 40-year-old physician associate and his wife walked away from their jobs with $50,000 earmarked for a year of world travel. They returned having spent just $30,000—and visited 15+ countries across four continents. This isn't a story about...2999mini retirementsfalse610fullhttps://www.spreaker.com/episode/609-how-to-talk-to-your-partner-about-fi-jasper-lee--756459039e0117a3-dbea-4ebd-8a75-603255b3ef1aMon, 27 Jul 2026 06:00:00 +0000vasderYour spouse shoots down every FI conversation with "we can't afford it" or "retirement at 35 sounds crazy." You respond with better spreadsheets, tighter logic, more compelling numbers—and somehow make things worse. The problem isn't your math. It's...3579money and relationshipsfalse609fullhttps://www.spreaker.com/episode/608-die-with-zero-revisited--756459047919a202-7b40-4175-b4fd-2ac4729b0e6eMon, 20 Jul 2026 06:00:00 +0000vasderBrad Barrett's daughter just graduated high school. She's heading to college in a few months. The number of times he'll see her for the rest of his life? Already countable. This realization—visceral and unavoidable—brought him back to a conversation...4400money mindsetfalse608fullhttps://www.spreaker.com/episode/607-other-mountains-i-want-to-climb-diania-merriam--7564590874c0c007-b20c-4048-a67e-dd2d2f224171Mon, 13 Jul 2026 06:00:00 +0000vasderReaching financial independence is supposed to be the goal—but what if you get there and realize the real skill isn't earning or saving, but learning to spend? And what if the metric for business success has nothing to do with revenue growth and...4894false607fullhttps://www.spreaker.com/episode/606-deep-dive-target-date-retirement-and-bond-funds-cody-garrett--7564590658070068-31ed-4e77-9140-2d287c6c97f8Mon, 06 Jul 2026 05:00:00 +0000vasderMost investors think they're buying the same thing when they choose a target date fund—but two people who bought 2025 target date funds 15 years ago could have 40% different returns today. Same target year, wildly different outcomes. The culprit? Fund...4124401(k) strategies,asset allocation,etfs and mutual funds,index funds,investing,investment strategies,retirement planningfalse606fullhttps://www.spreaker.com/episode/605-retire-in-less-than-10-years--75645909b82d5577-baf2-41f8-95b0-677d13988e36Mon, 29 Jun 2026 05:00:00 +0000vasderAt 21, Cody Berman appeared on ChooseFI as a college student discovering financial independence. Three years later, he retired at 26. Now 30 with a $5 million net worth, he's back to reveal exactly how he compressed a decades-long journey into a...4033early retirement,entrepreneurship,financial independence,financial mindset,fire movement,passive income,savings rate,side hustlefalse605fullhttps://www.spreaker.com/episode/604-getting-personal-with-personal-finance-bill-yount--756459058f655c3e-4f4d-4931-a38a-a00cfc5eef94Mon, 22 Jun 2026 05:00:00 +0000vasderBill Yount reached financial independence at 60—then froze. His financial advisor confirmed 100% security, yet instead of relief, he felt disoriented fog. The emergency medicine physician who transformed from YOLO spender to 40% saver now struggles...3602money mindsetfalse604fullhttps://www.spreaker.com/episode/603-crash-proof-the-science-of-stock-market-resilience-brian-feroldi--7564588669681254-7c00-4d62-81e0-83304b02deaaMon, 15 Jun 2026 05:00:00 +0000vasderThe stock market crashes about once every three years—at least a 20% drop. Most investors panic and sell. But if you understood why markets always recover, you'd do the opposite. Brian Feroldi reveals three mechanical forces that guarantee long-term...3083investingfalse603fullhttps://www.spreaker.com/episode/602-fi-201-beyond-fi-basics-asset-allocation-market-psychology-mastery--7564591149631311-c187-4d15-a163-27d736e9d5d7Mon, 08 Jun 2026 05:00:00 +0000vasderMost investors lose to the market because they're trying to pick winners in a game where only 4% of stocks have created 100% of market wealth over the past century. The math isn't in your favor—but there's a simpler path that is. Key Topics Discussed...3700asset allocation,community building,index funds,investing,investment portfolio,investment strategies,market volatility,risk management,tax planningfalse602fullhttps://www.spreaker.com/episode/601-travel-rewards-101-devon-gimbel-from-point-me-to-first-class--7564591363cd32a2-40e8-49d4-b6eb-cee4673dba49Mon, 01 Jun 2026 05:00:00 +0000vasderDevon Gimbel just booked over $250,000 in travel last year using credit card points—but she's the first to tell you award travel isn't "free." It's a strategy for 10x-ing your existing travel budget by strategically matching your routine spending to...4650building credit score,credit cards,travel,travel rewardsfalse601fullhttps://www.spreaker.com/episode/600-fi-101-teaching-financial-independence-to-your-community--75645890a9bf3e86-a7a3-4d23-a20c-a498a9834d01Mon, 25 May 2026 05:00:00 +0000vasderA dead local meetup group attracted just 5 people to its first gathering at a brewery. Two years later, that same group draws 70+ attendees to structured educational sessions, with newcomers driving across multiple states to participate. The...4432career transition,community,community building,financial advisors,financial mindset,fire movement,index funds,savings ratefalse600fullhttps://www.spreaker.com/episode/599-able-accounts-major-update-brynne-conroy--756459078414364d-2a27-4b2b-90ad-f5c7142bc8dfMon, 18 May 2026 05:00:00 +0000vasderBrynne Conroy joins to discuss 529A ABLE accounts and massive new changes that nearly double eligibility for these accounts for those with disabilities.2165insurance & protectionfalse599fullhttps://www.spreaker.com/episode/598-deep-dive-hot-seat-with-brad-and-ginger--756459126d932fd5-a312-4e20-a6fe-a2b95bdddca8Mon, 11 May 2026 05:00:00 +0000vasderGinger asks Brad a series of hard hitting questions on life and FI.3312early retirement,fi fundamentals,financial mindset,meaningful living,personal growth,retirement age planning,retirement planningfalse598fullhttps://www.spreaker.com/episode/597-what-if-your-fi-life-started-tomorrow-adam-coelho--75645910b0d36272-66de-4726-a7bb-43d44db00616Mon, 04 May 2026 05:00:00 +0000vasderAdam Coelho stood on stage presenting to Google's CEO at a leadership conference, the culmination of his 14-year career training thousands of Googlers in mindfulness and emotional intelligence. One week later, he was placed on a performance...4056career transition,early retirement,financial mindset,lifestyle design,meaningful living,personal growthfalse597fullhttps://www.spreaker.com/episode/mistakes-were-made--7564591968e49b84-3325-49d3-a70d-89c8c5f65838Mon, 27 Apr 2026 06:00:00 +0000vasderEven financially independent people have lost fortunes to bad investments, high-fee funds, and speculation. Brad Barrett, Alan Donegan, and Katie Donegan lay bare their most expensive mistakes—from Alan's 90% dot-com crash loss to Katie's near-£1...4095financial mindset,investing,investment strategies,personal financial health,stock market analysis,wealth managementfalse596fullhttps://www.spreaker.com/episode/595-value-matrix-case-study-series-part-2-required-bloat--7564590002f1dd10-6384-424f-9c54-5b6675d4a591Mon, 20 Apr 2026 06:00:00 +0000vasderMost people trying to slash their budget hunt for obvious waste—daily lattes, unused subscriptions, impulse purchases. But what happens when you've already cut the fat and your highest expenses are the ones you can't seem to touch: the mortgage, the...3395budgeting,family budgeting,financial goal setting,money management,personal financial health,spending smarterfalse595fullhttps://www.spreaker.com/episode/594-travel-rewards-deep-dive-with-noah--7564590220d82f5e-bec3-4336-b457-3cfb5a49181cMon, 13 Apr 2026 06:00:00 +0000vasderEpisode 45: Maximizing Travel Rewards with Financial Independence In this episode of ChooseFI, Brad Barrett and travel rewards expert Noah G. dive into the world of travel rewards, focusing on maximizing points to achieve financial independence and...4537credit cards,personal financial health,savings money,travel rewardsfalse594fullhttps://www.spreaker.com/episode/book-club-goodbye-things-with-liz-gets-loaded--75645915ff14b14f-55fa-42ec-839f-1ae1033798fbMon, 06 Apr 2026 06:00:00 +0000vasderEpisode Show Notes Episode Summary Ginger and Liz from Liz Gets Loaded explore Fumio Sasaki's book, "Say Goodbye to Things," discussing the principles of minimalism and their impact on emotional well-being and lifestyle choices. They share personal...4293financial mindset,frugality,lifestyle design,meaningful living,personal growthfalse593fullhttps://www.spreaker.com/episode/592-value-matrix-case-study-series-part-1-leaky-budget--7564589315743da5-f363-4b21-8aeb-feb0b4507a25Mon, 30 Mar 2026 06:00:00 +0000vasderEpisode Show Notes Episode Summary In this episode, Jonathan Mendonsa and Brad Barrett introduce the Value Matrix, a tool that maps spending to life satisfaction. They analyze four real spending profiles to show how different approaches can affect...3066budgeting,financial goal setting,money management,personal financial health,spending smarterfalse592fullhttps://www.spreaker.com/episode/591-parent-like-a-millionaire-without-being-one--75645897bdd38b33-f379-4c9d-9c92-0bdd7da81366Mon, 23 Mar 2026 05:00:00 +0000vasderEpisode Show Notes Episode Summary Brad Barrett chats with Kristy Shen and Bryce Leung about their new book, Parent Like a Millionaire Without Being One. This episode delves into effective financial strategies for parenting while advancing towards...3052family budgeting,financial planning for familie,frugality,kids & family finance,personal financial healthfalse591fullhttps://www.spreaker.com/episode/building-an-extraordinary-life-through-fi--75645922fb40e8a8-cdbd-49d0-8b33-f764070159a4Sun, 15 Mar 2026 01:00:00 +0000vasderIn this special episode from Richmond's FI event, uncover insights on how fear impacts our journey toward financial independence. Learn to identify trust signals, experiment with new income ideas, and instill financial literacy into family life....4439community building,financial mindset,lifestyle design,meaningful living,personal growthfalse590fullhttps://www.spreaker.com/episode/589-how-to-gain-insights-from-your-expense-audit-using-a-value-matrix--7564591667157c9e-f5cd-465b-b6d3-a46b94a91c43Sun, 08 Mar 2026 20:00:00 +0000vasderMost people think they know where their money goes each month… but when they actually run an expense audit, they find hundreds—sometimes thousands—of dollars quietly leaking out of their budget. Today we’re walking through how to run a simple expense...3040budgeting,fi fundamentalsfalse589fullhttps://www.spreaker.com/episode/588-navigating-the-evolving-health-insurance-landscape--756459339b586427-7724-4105-87bd-1e2862ecda92Sun, 01 Mar 2026 19:00:00 +0000vasderCody Garrett provides an in-depth analysis of the changing landscape of health insurance in the U.S., focusing on the Affordable Care Act (ACA) and adjustments to premium tax credits. He emphasizes the critical role that zip codes play in determining...3598healthcare affordability,healthcare in retirement,health insurance,hsa,insurance,tax planningfalse588fullhttps://www.spreaker.com/episode/we-re-going-to-be-millionaires-now-how-do-i-tell-my-spouse-andy-hill--75645901efd5ee7f-9634-4182-9a77-71905f73f247Sun, 22 Feb 2026 19:00:00 +0000vasderMost people think "Coast FI" means coasting into retirement—but Andy Hill discovered it meant something entirely different: coasting through life while your investments do the heavy lifting. Eight years ago, Andy appeared on ChooseFI struggling to get...2944budgeting,couples finance,debt management,financial goal setting,money and relationships,personal financial healthfalse587fullhttps://www.spreaker.com/episode/586-how-to-do-an-expense-audit--75645925ca64fb14-5de2-4305-aba9-582c40597d66Sun, 15 Feb 2026 19:00:00 +0000vasderMost people chase financial independence through side hustles and raises. Brad and Jonathan flip that equation: audit your expenses first, then watch your FI date accelerate without earning another dollar. They walk through a structured four-step...4235budgeting,financial goal setting,money management,personal financial health,savings money,spending smarterfalse586fullhttps://www.spreaker.com/episode/585-getting-to-the-boring-middle-what-you-need-in-place-first--756459260e300578-5d41-40ef-8147-3c9ff034d48eSun, 08 Feb 2026 19:00:00 +0000vasderMost people think financial independence is a straight line from broke to retired—it isn't. Progress compounds daily in ways you won't notice if you're only looking at your net worth spreadsheet. Brad and Jonathan break down why the "boring middle" is...3846early retirement,fi fundamentals,financial mindset,personal financial health,retirement planning,saving vs. investingfalse585fullhttps://www.spreaker.com/episode/goal-setting-for-2026--75645931c863c100-fc21-4381-a50f-b99d509f710dSun, 01 Feb 2026 19:00:00 +0000vasderA 70% savings rate while buying a house? One listener proves it's possible — and their story is just one of many that'll make you rethink your 2026 financial plans. Brad and Jonathan turn over the mic to the community in this mashup episode, featuring...3621community building,fi fundamentals,financial goal setting,personal financial health,productivity,retirement savings goals,savings money,task managementfalse584fullhttps://www.spreaker.com/episode/583-a-table-of-contents-for-fi-part-2-the-detour-is-the-journey--75645924ca12aa60-a7d6-4292-a916-573f31fcfe20Sun, 25 Jan 2026 19:00:00 +0000vasderMost people think they'll be "done" learning about financial independence in a few months—then wonder why they're still obsessed years later. Brad and Jonathan confront this paradox head-on: if you can absorb 80% of FI fundamentals in weeks, why does...3696investingfalse583fullhttps://www.spreaker.com/episode/582-a-table-of-contents-for-fi-part-1--75645937062466a0-31d9-49a4-8c16-443b1ff5d35aSun, 18 Jan 2026 19:00:00 +0000vasderMost people treat financial independence like a destination—a magic number to hit before life gets good. But what if the pursuit itself is where the real value lies? Jonathan and Brad challenge the "mythical number" mindset by exploring incremental...3963fi fundamentals,productivity,task management,todoistfalse582fullhttps://www.spreaker.com/episode/581-are-roth-conversions-necessary--75645942962e45b9-5cc3-47ce-965e-720bde509ad5Sun, 11 Jan 2026 19:00:00 +0000vasderMost people rushing to convert their traditional IRAs to Roth accounts have never stopped to ask whether they actually need to. Brad sits down with tax experts Sean Mullaney and Cody Garrett to cut through the Roth conversion hype and explain when...4001budgeting,early retirement,financial mindset,retirement planning,roth ira,tax planning,tax strategies,wealth managementfalse581fullhttps://www.spreaker.com/episode/580-2026-goals-why-this-year-everything-changes--7564591457f79824-cf7a-4506-8db5-dd2f861a9e84Sun, 04 Jan 2026 19:00:00 +0000vasderSlashing $100 from your monthly budget shrinks your FI target by $30,000. Brad and Jonathan explore how small financial wins compound into life-changing freedom, and why 2026 marks a shift toward deeper community connection. The hosts kick off the...3580fi fundamentals,frugality,health insurance,hsa,insurance,retirement tax planning,tax creditsfalse580fullhttps://www.spreaker.com/episode/2025-biggest-takeaways-with-ginger--75645928d5576678-906c-427f-b601-de1674ff3207Sun, 28 Dec 2025 19:00:00 +0000vasderOne conversation stopped host Ginger in her tracks: Frank Vasquez's simple rule about only traveling when there's someone meaningful at the destination. It wasn't revolutionary advice—just an offhand comment—but weeks later, she's still thinking about...3216budgeting,expense tracking,fi fundamentals,financial mindset,frugality,investment strategies,minimalismfalse579fullhttps://www.spreaker.com/episode/year-end-wins-2025--75645929b1508347-c35c-4561-85ee-652f45f888beSun, 21 Dec 2025 19:00:00 +0000vasderWatching someone hit Coast FI mid-career changes everything about how they view work. Brad and Ginger read listener wins from the past year, celebrating community members who maxed out retirement accounts, switched careers, helped family through...3399budgeting,expense tracking,financial mindset,money mindset,winsfalse578fullhttps://www.spreaker.com/episode/health-and-fitness-update-plus-are-organic-foods-worth-it-with-dr-bobby--7564595183058210-54e0-4237-9c5d-2ffa9722b3c8Sun, 14 Dec 2025 19:00:00 +0000vasderMost Americans spend thousands extra on organic food assuming it's healthier — but what if you're optimizing the wrong metric? Dr. Bobby Dubois breaks down the cost-benefit analysis showing that a family's organic grocery premium could fund an entire...4247fitness,goal achievement,health,health & wellness,mindfulness,nutritionfalse577fullhttps://www.spreaker.com/episode/raising-fi-minded-kids-what-really-works-15-year-old-rishi-vamdatt--756459275ab00fa9-2ecd-463a-a804-58116a826cf5Sun, 07 Dec 2025 19:00:00 +0000vasderA 15-year-old has produced over 1,000 personal finance videos and started investing at age seven. Rishi's story proves financial literacy doesn't require decades of experience—it requires the right mindset and early exposure. He began his finance...3548community building,experiential learning,fi fundamentals,meaningful livingfalse576fullhttps://www.spreaker.com/episode/breaking-the-golden-handcuffs-with-5-kids--756459544112df1e-4a81-4df6-9cef-9c742c6f9a5fSun, 30 Nov 2025 19:00:00 +0000vasderWalking away from $147,000 a year sounds insane — unless you've built something better. Sunny Burns did exactly that, leaving his government engineering job seven months ago to spend full days with his family of seven. Now 35 and financially...3409frugality,real estatefalse575fullhttps://www.spreaker.com/episode/top-five-regrets-of-the-dying-book-club-with-frank-vasquez-and-ginger--75645946e4284536-3b14-4cb3-8b7c-0fd920cbbaf2Sun, 23 Nov 2025 19:00:00 +0000vasderYou don't become wiser by studying what worked — you become wiser by studying what failed. Most people chase happiness by asking "What should I do?" but Bronnie Ware flipped the question: she asked the dying what they wished they had done. Ginger and...4722early retirement,lifestyle design,retirement planning,roth ira,tax planning,wealth managementfalse574fullhttps://www.spreaker.com/episode/573-cognitive-behavioral-tools-for-fi--756459396919e676-dacd-4164-8b52-186399497119Sun, 16 Nov 2025 19:00:00 +0000vasderMost people think financial independence is about money. It isn't. Clinical psychologist Jasper Lee makes the case that 90-95% of the FI journey is psychological—the mechanics of money are just 5-10%. In this conversation with Brad Barrett, Lee...4047financial wellness,mental health,money mindset,winsfalse573fullhttps://www.spreaker.com/episode/572-bias-towards-action-the-adventure-list-s--756459175af3127c-77e9-4152-b9bd-74a0d7856055Sun, 09 Nov 2025 19:00:00 +0000vasderTracking hundreds of life experiences sounds ambitious until you hear Emily W's simple system—and realize you've been overthinking adventure. Emily W and Emily C share practical frameworks for building richer friendships and more memorable...4343budgeting,community,investment strategies,minimalismfalse572fullhttps://www.spreaker.com/episode/getting-personal-with-personal-finance-maggie-tucker--756459207365f8fb-cc2b-4641-85b0-a42e28fbf6deSun, 02 Nov 2025 19:00:00 +0000vasderMost people achieve financial independence and feel instant relief. Maggie Tucker felt paralyzing fear instead. At 41, after leaving a lucrative career to retire early, she found herself obsessing over worst-case scenarios—what if she ran out of...3990early retirement,fi fundamentals,fitness,health,mindfulness,money management,nutritionfalse571fullhttps://www.spreaker.com/episode/570-state-of-the-stock-market-q-a--75645941960af4a9-3e42-4d3c-a180-9f6daa571482Sun, 26 Oct 2025 20:00:00 +0000vasderThe S&P 500 just notched its third consecutive year of double-digit gains, pushing valuations near a 25-year high — yet market veteran Brian Feroldi isn't hitting the panic button. In this deep-dive, Brad sits down with Brian to dissect where the...3962budgeting,financial goal setting,investing,savings money,stock market analysisfalse570fullhttps://www.spreaker.com/episode/569-always-come-back-to-the-why--756459340c41332f-5c23-4ffe-a8af-0286962a1719Sun, 19 Oct 2025 20:00:00 +0000vasderFinancial independence isn't about becoming the richest person in the graveyard — it's about designing a life worth living right now. Brad Barrett sits down with Katie and Alan Donegan from Rebel Finance School to explore the often-overlooked...5344financial goal setting,financial mindset,meaningful living,money mindset,personal financial health,personal growthfalse569fullhttps://www.spreaker.com/episode/568-the-fiire-framework--75645944fdbfc306-650e-4dca-9025-5bf32d40649aSun, 12 Oct 2025 20:00:00 +0000vasderMost people think FIRE is about cutting expenses and index funds. Paula Pant flips that script with her F-double-I-R-E framework—starting with the one thing traditional personal finance ignores: your psychological relationship with money. Paula Pant,...5171early retirement,family budgeting,fi fundamentals,property investmentfalse568fullhttps://www.spreaker.com/episode/567-are-we-taking-the-wrong-risks--7564594784a60c27-a119-4bae-a9e4-4d64448bab76Sun, 05 Oct 2025 20:00:00 +0000vasderMost financial independence seekers are winning at money but losing at life—and they don't even realize it. Chris Hutchins and Brad Barrett challenge the FI community's obsession with safety, exploring whether the real risk isn't running out of money,...4740fi fundamentals,happiness,meaningful living,personal growth,relationships,self reflectionfalse567fullhttps://www.spreaker.com/episode/566-risk-based-guardrails-for-retirement-drawdown--7564596793ecde9b-f5ee-49a8-bba4-25358bab0d46Sun, 28 Sep 2025 20:00:00 +0000vasderIf you've mentally locked yourself into one rigid FI number and one fixed withdrawal rate for the rest of your life, you're doing it wrong. That's the realization Brad Barrett had after nine years of hosting this podcast — and it came from Aubrey...5245community building,investing,life experiments,meaningful living,relationshipsfalse566fullhttps://www.spreaker.com/episode/565-tax-planning-to-and-through-early-retirement--756459387537cd0d-d359-45c3-9336-c27cbc21b3bdSun, 21 Sep 2025 20:00:00 +0000vasderMost early retirees worry they'll face crushing tax bills — yet thousands are legally paying zero federal income tax in retirement. Cody Garrett and Sean Mullaney, co-authors of Tax Planning To and Through Early Retirement, walk through how...4125early retirement,financial wellness,investment strategies,mental health,tax planning,tax strategiesfalse565fullhttps://www.spreaker.com/episode/fi-back-to-basics-jackie-cummings-koski--756459581b3b78cb-b0c1-4d51-b3ee-85225585a95eSun, 14 Sep 2025 20:00:00 +0000vasderMost people think saving $100 a month barely makes a dent in their retirement plans. Jackie Cummings Koski, certified financial planner and author of F.I.R.E. for Dummies, shows how that same $100 can slash your FI target by $30,000—a leverage most...4319early retirement,money management,money mindsetfalse564fullhttps://www.spreaker.com/episode/563-safe-withdrawal-rates-drawdown-strategies-rmds-and-50-year-fi-timelines--756459350df71cec-8fd3-4bb3-987a-91b44f9aa8e3Sun, 07 Sep 2025 20:00:00 +0000vasderThe 4% rule might be dead—but not for the reason you think. New research suggesting a 5.5% safe withdrawal rate has been making waves in the FI community, and it sounds like great news for early retirees. The problem? The math doesn't hold up when...3580investing,stock market analysisfalse563fullhttps://www.spreaker.com/episode/562-navigating-financial-conflicts-in-relationships--756459488a3a8389-f87e-4d91-8231-f027339c4a3aSun, 31 Aug 2025 20:00:00 +0000vasderMost people worry their retirement money is "trapped" until age 59½. It's not — and understanding why could reshape your entire FI strategy. Brad and Ginger tackle asset flexibility, breaking down how to think about taxable versus Roth versus...3761budgeting,healthy living,hsa,meaningful living,money mindset,relationshipsfalse562fullhttps://www.spreaker.com/episode/561-mini-retirements-test-driving-financial-independence--75645953788d611e-9147-4669-b82f-b88f679bd2a1Sun, 24 Aug 2025 20:00:00 +0000vasderMost people plan for retirement like it's an on-off switch—decades of grinding followed by one big leap into the unknown. But what if you've never practiced living without work? Jillian Johnsrud, author of Retire Often, challenges this all-or-nothing...3150financial mindset,income generation,lifestyle design,personal growthfalse561fullhttps://www.spreaker.com/episode/living-off-the-4-rule-marla-taner--7564594326a3408d-04dc-4012-9fe1-67c55184ceb0Sun, 17 Aug 2025 20:00:00 +0000vasderMarla Tanner reached financial independence in 2013 and has lived off the 4% rule ever since — through bull markets, bear markets, and a global pandemic. She recently ran the numbers on both her actual experience and a worst-case scenario retirement...3644financial mindset,investing,life experiments,spendingfalse560fullhttps://www.spreaker.com/episode/zero-based-everything-fi-travel-and-the-art-of-starting-fresh-katie-alan-donegan--756459618a69dd6c-7236-44eb-90e7-b8ac498507b6Sun, 10 Aug 2025 20:00:00 +0000vasderMost people obsess over net worth. Katie and Alan Donegan calculate something entirely different: their freedom fund. Joined by Brad, the trio unpacks five and a half years of full-time travel, the psychological trap of dividend investing, and why...4951budgeting basics,expense tracking,financial mindset,lifestyle design,money managementfalse559fullhttps://www.spreaker.com/episode/designing-an-intentional-life-tim-ferriss--75645966e2cb48e5-9d44-4d95-8000-1c3304f55c5dSun, 03 Aug 2025 20:00:00 +0000vasderTim Ferriss didn't design a card game to make money—he did it because most games today actively prevent the kind of connection that matters. Brad Barrett sits down with the author of The 4-Hour Workweek and host of The Tim Ferriss Show, exploring how...5875lifestyle design,risk managementfalse558fullhttps://www.spreaker.com/episode/557-it-s-big-but-is-it-beautiful-let-s-talk-about-it--756459212c43280e-49fa-4a71-a6ad-0e6a4730fd91Sun, 27 Jul 2025 20:00:00 +0000vasderCongress just made early retirement cheaper—if you know which levers to pull. Tax expert Sean Mullaney joins Brad to break down the One Big Beautiful Bill and its surprisingly generous implications for the FI community. The law permanently extends...3753early retirement,retirement planning,rmd (required minimum distribu,safe withdrawal rate,social security benefits,tax strategiesfalse557fullhttps://www.spreaker.com/episode/556-mailbag-bond-funds-roth-conversions-advanced-fi-strategies-solo-401k-and-backdoor-roth--7564595291dcaa1b-770b-4c81-a25e-58fb369f259eSun, 20 Jul 2025 20:00:00 +0000vasderMost people think bonds are the "safe" part of their portfolio — until interest rates spike and their bond fund drops 15%. Brad and Rachael Camp, a Certified Financial Planner, cut through the confusion in this mailbag episode covering bonds, Roth IRA...3799early retirement,financial planning,investment strategies,pensions,roth ira,tax planning,tax strategiesfalse556fullhttps://www.spreaker.com/episode/are-you-over-optimizing-jesse-cramer--75645956af7c1683-999e-4292-a337-149f8782dcacSun, 13 Jul 2025 20:00:00 +0000vasderMost people spend more time planning a vacation than analyzing how their financial decisions ripple through their entire life. Jesse Kramer, a relationship manager at a financial planning firm and host of the Personal Finance for Long-Term Investors...3604budgeting,healthy living,hsa,money mindset,relationshipsfalse555fullhttps://www.spreaker.com/episode/from-poverty-to-semi-retired-kristen-knapp--75645959030360ab-7dd7-4751-b76e-489632bf3543Sun, 06 Jul 2025 20:00:00 +0000vasderKristen Knapp grew up in poverty, hit a $0 net worth at 35, and thought she'd never retire. Now she's traveling the world part-time and leading group trips for the FI community. Her path didn't follow the typical script — no high-powered tech job, no...3674community building,experiential learning,fi fundamentals,meaningful living,personal growthfalse554fullhttps://www.spreaker.com/episode/553-deep-dive-putting-the-middle-class-trap-to-bed--75645923cfad622b-298a-4107-8926-36a452433785Sun, 29 Jun 2025 20:00:00 +0000vasderMost people in the FI community have this completely backward: those retirement accounts you think are "trapping" you? They're actually your fastest path to freedom. Brad Barrett and CFP® Cody Garrett dismantle the so-called middle-class trap through...4152early retirement,fi fundamentals,income generation,meaningful living,money management,personal growth,savings money,tax planningfalse553fullhttps://www.spreaker.com/episode/unraveling-your-relationship-with-money-shannah-game--7564595799fb123e-7ab8-480a-b9b9-7174acf8b78dSun, 22 Jun 2025 20:00:00 +0000vasderMost people think managing money is about spreadsheets and willpower—but what if your biggest financial obstacle is a story you've been telling yourself since childhood? Shannah Game, a certified financial planner and author of Unraveling Your...3256budgeting,financial mindset,financial planning,money management,money mindset,money psychologyfalse552fullhttps://www.spreaker.com/episode/roundup-buy-vs-rent-mortgage-amortization-minimalism-and-more--756459626e66897a-0658-4d9b-a64f-4852d1e47e34Sun, 15 Jun 2025 20:00:00 +0000vasderMost mortgage payoff advice treats it like a pure math problem—but Ginger's story proves emotions matter just as much. When she shares her excitement about paying off her mortgage early, Brad pushes back with the numbers, sparking a candid...3675early retirement,financial mindset,real estatefalse551fullhttps://www.spreaker.com/episode/getting-personal-with-personal-finance-meghan-ginger--756459407bae32b4-d7df-4654-9cfa-0b4eb72f7874Sun, 08 Jun 2025 20:00:00 +0000vasderMost people obsess over whether they're savers or spenders—Meghan Combs thinks that's a trap. Ginger sits down with the Everyday FI podcast host to unpack her $527,000 net worth, a sub-$10,000 wedding, and why locking into a fixed money identity might...2923budgeting,career transition,family planning,income generation,investing,money management,savings money,tax planningfalse550fullhttps://www.spreaker.com/episode/549-deep-dive-taxable-brokerage-accounts--75645976823236b8-f4fb-43c6-9a19-115b5ee32da1Sun, 25 May 2025 20:00:00 +0000vasderMost early retirees obsess over 401(k)s and IRAs — but they're ignoring the account that might actually matter most. Brad and Cody Garrett, CFP®, tackle the taxable brokerage account, the "most underappreciated account type" in the financial...3258early retirement,financial planning,investment strategies,money management,mortgage loans,real estate financing,taxable accounts,tax strategiesfalse549fullhttps://www.spreaker.com/episode/fi-service-corps--75645932c28efd05-3754-4305-be08-1dd46fa7997aSun, 25 May 2025 20:00:00 +0000vasderA former CPA walked away from steady paychecks in 2023 to launch an organization that didn't exist yet — one that would blend financial independence with hands-on volunteering. Ryan Brennan, founder of the FI Service Corps, is betting that the FI...3192community,community building,networking,volunteeringfalse548fullhttps://www.spreaker.com/episode/the-simple-path-revisited-in-2025-with-jl-collins--756459710cf023f7-3a50-4de5-b6af-b9b45fe438b4Sun, 18 May 2025 20:00:00 +0000vasderMost personal finance books promise you'll need decades of complex strategies to build wealth. JL Collins made millions by saying the opposite. Brad Barrett sits down with the author whose Simple Path to Wealth has sold over a million copies and...4172financial planning,index funds,investing,market volatility,pensions,roth ira,stock market analysisfalse547fullhttps://www.spreaker.com/episode/sleep-masterclass-with-dr-bobby--756459636efd4885-953d-4c62-acff-0c74c590354fSun, 11 May 2025 20:00:00 +0000vasderDr. Bobby DuBois returns to discuss the essential role of sleep in achieving financial independence and enhancing overall health. He addresses the worrying trend of sleep deprivation among Americans and its significant consequences on heart health,...3604health,health & wellness,index funds,market volatility,motivation,personal growth,sleep,stock market analysisfalse546fullhttps://www.spreaker.com/episode/545-tax-efficient-withdrawal-strategies-for-early-retirement--756459309d21c5c2-8933-4f0e-b77f-b637f56e50dfSun, 04 May 2025 20:00:00 +0000vasderMost people think retirement account withdrawals come with a massive tax hit—but with a few strategic moves, you can reduce your lifetime tax burden by six figures or more. Brad Barrett and tax pro Rachael Camp break down how different account...3370retirement accounts,retirement tax planning,roth ira,tax credits,tax deductions,tax planning,tax strategiesfalse545fullhttps://www.spreaker.com/episode/roundup-zero-based-thinking-how-to-rethink-your-life-choices--75645950876316cf-355e-458d-81ec-b3e327594151Sun, 27 Apr 2025 20:00:00 +0000vasderFood is the second largest expense category for most households — but how much of yours ends up in the trash? Brad and Ginger tackle listener questions on everything from mindful grocery spending and travel rewards strategies to building muscle...3930asset allocation,community events,financial mindset,fitness,healthy living,lifestyle design,mindfulnessfalse544fullhttps://www.spreaker.com/episode/is-the-middle-class-trap-something-to-worry-about-mindy-jensen--75645964f7b675b9-b985-4db0-8451-828e33bc026dSun, 20 Apr 2025 20:00:00 +0000vasderThe financial independence community recently ignited over a single phrase: "the middle-class trap." Mindy from BiggerPockets Money coined it to describe people who look wealthy on paper—substantial home equity, healthy retirement accounts—yet feel...3449investing,retirement accounts,retirement tax planning,roth ira,tax planningfalse543fullhttps://www.spreaker.com/episode/542-mastering-tax-strategies-how-to-optimize-your-path-to-financial-independence--75645936f7a4a6f4-15e3-48d5-a367-acb1e78ab2eaSun, 13 Apr 2025 20:00:00 +0000vasderStarting at 35 cuts your runway to retirement in half compared to starting at 25. Does that make financial independence impossible? Not even close—and the real question isn't about your age, it's about the tax strategy you're using right now. Brad and...3266community events,fitness,healthy living,mindfulness,roth ira,tax planning,tax strategiesfalse542fullhttps://www.spreaker.com/episode/getting-personal-with-personal-finance-vicki-robin-ginger--7564597059a88210-70e9-4d3f-896f-85bdd84a0295Sun, 06 Apr 2025 20:00:00 +0000vasderFinancial independence isn't just about early retirement—it's about preparing for the parts of life we're taught not to discuss. Vicki Robin, author of Your Money or Your Life, joins Ginger to explore the myths, isolation, and unexpected challenges of...3705budgeting,community building,fi fundamentals,financial mindset,financial planning,money psychology,personal growth,self reflectionfalse541fullhttps://www.spreaker.com/episode/breaking-the-mold-how-lexi-redefined-her-financial-goals-with-choosefi--75645945a6ad4eb9-0b78-4204-8d50-b336d50afe13Sun, 30 Mar 2025 20:00:00 +0000vasderMost people think teachers can't build wealth—but what if chasing homeownership was the real trap? Lexi, a first-grade teacher from Las Vegas, discovered that letting go of her single financial goal opened doors she never knew existed. After watching...2613budgeting,career transition,family planning,financial mindset,money management,spending smarter,teacherfalse540fullhttps://www.spreaker.com/episode/rebelutionaries-stages-of-fi-katie-alan-donegan--75645974cb6fd2c8-5b86-41b6-b25c-55837a515291Sun, 23 Mar 2025 20:00:00 +0000vasderMost people spend their entire financial journey waiting—waiting to have enough money, waiting for the perfect moment to invest, waiting to feel ready to quit a job they've outgrown. Katie and Alan Donegan decided to set that mindset to music. After...3958early retirement,fi fundamentals,financial planning,investment strategies,money management,taxable accountsfalse539fullhttps://www.spreaker.com/episode/coast-fi-masterclass-the-fioneers--75645981a0552d0a-e4cf-4570-beb9-42c0ee1a80f6Sun, 16 Mar 2025 20:00:00 +0000vasderAt age 31, Jess and Corey discovered they needed only $245,000 invested to retire by 62 — and suddenly, aggressive saving became optional. The Fioneers, who brought CoastFI into mainstream FI discourse, discuss making the psychological leap from high...3731coast fi,community building,experiential learning,lifestyle design,mental health,money psychology,networking,volunteeringfalse538fullhttps://www.spreaker.com/episode/navigating-the-path-to-fi-bill-powell-s-blue-collar-journey-from-debt-to-empowerment--756459499fa592b3-616f-4d29-a112-c76ec14d294dSun, 09 Mar 2025 20:00:00 +0000vasderBill Powell clawed his way out of credit card debt on a blue-collar income and reached financial independence — no six-figure salary required. Community member Bill Powell shares how he went from deep in credit card debt to years away from FI while...3019accountability,blue collar,fi fundamentals,financial habits,health,mental health,motivation,personal growth,sleepfalse537fullhttps://www.spreaker.com/episode/getting-personal-with-personal-finance-ron-ginger--756459727d3bf496-051f-478b-8e00-6dcdfbbc5f89Sun, 02 Mar 2025 19:00:00 +0000vasderRon Babcock thought he had to choose between financial security and doing what he loved—until he realized the two could work together. A TV editor and stand-up comedian, Ron brings an unconventional perspective to financial independence, blending...3859budgeting,community,financial mindsetfalse536fullhttps://www.spreaker.com/episode/535-the-top-10-ten-investing-mistakes-we-all-make--75646001977b973f-ec6f-4a01-b11f-0529efe7ca5dSun, 23 Feb 2025 19:00:00 +0000vasderMost investors — even sophisticated ones tracking every basis point — leave real money on the table through simple oversight. Cody Garrett, CFP® at Measure Twice Money, recently outlined ten mistakes that trip up DIY investors and financial advisors...3696charitable giving,community building,financial mistakes,health insurance,hsa,investing,personal growth,self reflectionfalse535fullhttps://www.spreaker.com/episode/534-inherited-accounts-barista-fi-and-saving-when-starting-a-business--756459848bbd3e6d-4950-4f96-a77c-00b92c69f36cSun, 16 Feb 2025 19:00:00 +0000vasderYou have $750,000 saved and desperately want to quit your soul-crushing job — but can you actually withdraw from that money right now? Brad Barrett and financial planner Rachael Camp tackle this listener question alongside Coast FI calculations, the...3711accountability,barista fi,blue collar,business,earning more,entrepreneurial finance,financial habits,financial planning,investment strategies,mental health,money managementfalse534fullhttps://www.spreaker.com/episode/getting-personal-with-personal-finance-brad-ginger--75645975feb394af-61d4-449c-b57f-b51e30e360a1Sun, 09 Feb 2025 19:00:00 +0000vasderBrad Barrett built one of the most respected voices in financial independence—then watched his marriage fall apart. That paradox sits at the heart of this conversation, where Ginger pushes Brad to go beyond the optimized spreadsheets and tactical wins...40351 percent better,charitable giving,entrepreneurship,family dynamics,financial mistakes,health insurance,hsa,minimalism,productivity,task management,todoistfalse533fullhttps://www.spreaker.com/episode/532-opening-the-aperture-dreaming-big-about-financial-independence--7564597338fe573b-e346-4332-aaee-b70ca8caea49Sun, 02 Feb 2025 19:00:00 +0000vasderTen years ago, Jonathan walked away from his corporate accounting job with no clear path forward. Today, he's reflecting on the decade that followed—one shaped entirely by pursuing financial independence and the options it created. Brad and Jonathan...2781community,financial mindsetfalse532fullhttps://www.spreaker.com/episode/2025-state-of-the-stock-market-brian-feroldi--75645977bf507474-34f2-497f-a8af-b6174d30ab27Sun, 26 Jan 2025 19:00:00 +0000vasderThe top 10 companies in the S&P 500 now control 39% of the entire index—an all-time high. Brad Barrett sits down with Brian Feroldi, ChooseFI's go-to stock market expert, to break down what 2024's 25% gain really means and whether investors should...2538investing,long-term investment,market trend analysis,stock market analysisfalse531fullhttps://www.spreaker.com/episode/530-the-fi-case-for-electric-vehicles--75645997342924c3-714a-4402-9123-b82d1b9bac8fSun, 19 Jan 2025 19:00:00 +0000vasderChris Terrell has owned two electric vehicles in under two years and saved over $8,000 on fuel by charging at home. His experience challenges the assumption that EVs are either too expensive or too limiting—and his analysis breaks down exactly when an...4395budgeting,financial mindset,spending smarterfalse530fullhttps://www.spreaker.com/episode/getting-personal-with-personal-finance-laura-and-ginger--75645955797f688c-a4c0-4e1a-bf98-6a8551897fa7Sun, 12 Jan 2025 19:00:00 +0000vasderMost people who retire early either hate their jobs or plan to pivot to something easier. At 51, associate professor Laura is walking away from a career defining genetic research — and wrestling with who she'll be when the lab coat comes off. Laura...3440academic career,careers,career transition,community,work-life balancefalse529fullhttps://www.spreaker.com/episode/the-purpose-code-jordan-grumet--75645982b5c8a1d4-e788-41c4-8bf1-c65455c35ccfSun, 05 Jan 2025 19:00:00 +0000vasderMost people obsessed with finding their "life's purpose" are looking in the wrong place. Jordan Grumet, hospice doctor and author of The Purpose Code, spent years at patients' bedsides learning what actually matters at the end of life — and it's not...3070financial mindset,happiness,meaningful living,money mindset,purpose,self helpfalse528fullhttps://www.spreaker.com/episode/buy-what-you-love-without-going-broke-frugal-friends--75645985ff7b75a6-52ef-4934-a245-01eefdaec6eaSun, 29 Dec 2024 19:00:00 +0000vasderMost people pursuing financial independence swing between two extremes: overspending in one area while ruthlessly cutting back in another, never quite finding sustainable balance. Jen and Jill, hosts of the Frugal Friends podcast, challenge this...3597frugality,life experiments,mental health,minimalism,no spend challenge,spending,spending smarterfalse527fullhttps://www.spreaker.com/episode/2024-year-end-celebration-inspiring-wins-from-the-choosefi-community--756459983c637413-f987-4800-b6c1-2e45ef592b77Sun, 22 Dec 2024 19:00:00 +0000vasderOne listener maxed out every tax-advantaged account available while another walked away from a stable paycheck to chase entrepreneurship—and both credit the same shift in mindset. These are the wins listeners of ChooseFI shared from 2024, showcasing...4678wins,year end winsfalse526fullhttps://www.spreaker.com/episode/525-travel-builds-connections-and-unlocks-rewards--7564598390a0cf73-ea8f-4487-b752-482523cbe5a6Sun, 15 Dec 2024 19:00:00 +0000vasderMost people return from vacation with souvenirs and sunburn. Brad came back from 23 days in Asia with a fundamentally different understanding of what matters in life. He and Ginger explore how stepping outside your comfort zone—whether through solo...4640community building,long-term investment,market trend analysis,personal growth,stock market analysis,travel rewardsfalse525fullhttps://www.spreaker.com/episode/beyond-numbers-at-the-bali-retreat--7564596838cdf6e6-8b62-48bf-95a6-8d92e3b70ce1Sun, 08 Dec 2024 19:00:00 +0000vasderMost people think financial independence is about spreadsheets and savings rates. But what if the hardest part isn't the math—it's figuring out what to do when you get there? Brad hosts a roundtable from the Five Freedom Retreat in Bali, where 53...3174academic career,careers,career transition,community,community events,personal growth,sabbaticals,work-life balancefalse524fullhttps://www.spreaker.com/episode/getting-personal-with-personal-finance-katie-donegan-ginger--756459885e88d483-12c9-4955-9ffc-b7b8383b5393Sun, 01 Dec 2024 19:00:00 +0000vasderHitting a million pounds didn't make Katie Donegan happier — it made her question everything she'd been chasing. Katie Donegan is the co-founder of Rebel Finance School and a prominent voice in the UK FI community. But when she first encountered the...3817frugality,life experiments,lifestyle design,mental health,minimalism,no spend challenge,personal financial health,personal growth,spendingfalse523fullhttps://www.spreaker.com/episode/522-back-to-basics-finding-balance-in-financial-independence--75645993b2300381-25a9-4975-b9ed-36e868ee22a3Sun, 24 Nov 2024 19:00:00 +0000vasderMost couples would buckle under $123,000 of medical debt. Kyle and Jamie Holmson eliminated theirs in three years on a waitress salary and resident income—then took the next step most people miss. Kyle and Jamie paid off $123,000 in medical student...3935budgeting basics,couples finance,debt management,fi fundamentals,frugality,healthfalse522fullhttps://www.spreaker.com/episode/521-mailbag-backdoor-roth-ira-4-rule-and-401-k-strategies--75645987b7760580-3e9e-46ba-a1d8-0eca6aeb3df0Sun, 17 Nov 2024 19:00:00 +0000vasderBusiness owners face a ticking deadline that could cost them $500 per day—yet many have never heard of it. The Beneficial Ownership Information form, due December 31st, is just one of the under-the-radar compliance issues that can derail even the most...4180financial planning,happiness,hsa,investment income,meaningful living,purpose,retirement accounts,self help,tax strategiesfalse521fullhttps://www.spreaker.com/episode/fit-rich-life--756459651856b1db-e97c-4938-a76e-0c502bb5bfd7Sun, 10 Nov 2024 19:00:00 +0000vasderAn $80,000 debt hole, addiction, and a string of Hollywood's wildest parties — this is where Justin David Carl's story begins, not where it ends. He transformed from nightlife chaos into financial independence and peak fitness, proving that rock...3646community building,fitness,health,health & wellness,money management,personal growthfalse520fullhttps://www.spreaker.com/episode/getting-personal-with-personal-finance-ginger-tj--75645960a0e72772-3441-4114-a855-2efb9cc57523Sun, 03 Nov 2024 19:00:00 +0000vasderFinancial independence can mean something radically different when a medical diagnosis forces you to redefine what freedom actually looks like. TJ and his wife thought they had years before reaching their FI number—until his wife's rare brain tumor...3425budgeting,early retirement,fi fundamentals,medical cost,personal finance for students,personal financial health,personal loansfalse519fullhttps://www.spreaker.com/episode/518-fi-choose-aligning-financial-independence-with-your-values--75645969a60646f1-a895-48ff-ba61-1f5d6b094c81Sun, 27 Oct 2024 20:00:00 +0000vasderMost people chase FI to stop working—Clint Murphy's doing the opposite. Brad sits down with Clint, who's recently coined a term that flips the conventional FI playbook: "FI and Choose." Instead of racing to quit, Clint's using his growing independence...3906community events,lifestyle design,personal growth,relationships,sabbaticals,simplicityfalse518fullhttps://www.spreaker.com/episode/517-maximize-your-wealth-understanding-capital-gains-tax-strategies--7564598901651673-e7f2-4d0b-ae22-bc376c878316Sun, 20 Oct 2024 20:00:00 +0000vasderMost people assume selling investments means paying taxes — but in 2024, a married couple could realize up to $94,050 in long-term capital gains and pay zero federal tax. This isn't a loophole. It's a built-in feature of the tax code that early...3221401(k) strategies,capital gains harvesting,capital gains tax,health insurance,investment strategies,personal financial health,personal growth,retirement tax planning,self-employment tax,tax brackets,tax credits,tax deductions,tax filing tips,tax planning,tax strategiesfalse517fullhttps://www.spreaker.com/episode/516-masterclass-on-muscle-building--756459948324c9b1-1a73-4a94-907b-1daa484b1570Sun, 13 Oct 2024 20:00:00 +0000vasderMost people think building muscle is about spending hours in the gym, but you can get better results in less time by changing just three variables. Brad breaks down the exact workout structure and nutrition approach he used—working with personal...4818diet,fitness,health,health & wellness,strength training,winsfalse516fullhttps://www.spreaker.com/episode/515-cyber-security-update-social-engineering-pig-butchering--75645979da761680-1381-493a-a886-5d6e05d892e1Thu, 10 Oct 2024 20:00:00 +0000vasderYour retirement savings could evaporate in a week—and the scammer might spend months becoming your trusted friend first. That's the reality of "pig butchering" scams, which are defrauding 57,000 Americans every single day. Former FBI special agent...2306budgeting basics,couples finance,cryptocurrency,cybersecurity,debt,debt management,financial wellness,frugality,health,scamsfalse515fullhttps://www.spreaker.com/episode/514-the-more-i-tinker-the-worse-it-gets--7564600223e16c68-ae3a-4b94-bd04-052711564b3eSun, 06 Oct 2024 20:00:00 +0000vasderJeremy Schneider's portfolio once held 16 different ETFs — and significantly underperformed a simple target-date fund he bought on the same day. After selling his company and receiving a windfall, he learned that complexity in investing doesn't just...4124financial advisors,financial planning,fintech software,investing,investment income,retirement accountsfalse514fullhttps://www.spreaker.com/episode/513-make-your-own-dividend--75645996866b2f2e-02cf-458e-b081-ded100c13ed3Sun, 29 Sep 2024 20:00:00 +0000vasderMost 22-year-olds feel like financial independence is decades away—but Gabby is already saving 51% of her income. This mailbag episode tackles listener questions ranging from early-career savings strategies to the perennial Roth vs. Traditional...4545brokerage accounts,fitness,health,house hacking,investing,investment strategies,money management,personal growth,retirement accounts,savings money,tax planningfalse513fullhttps://www.spreaker.com/episode/getting-personal-with-personal-finance--7564599228837c0a-5784-45ed-95d4-8f21be09503dThu, 26 Sep 2024 20:00:00 +0000vasderAfter years of accumulating possessions in a 2,300-square-foot home, Anne condensed her entire life into a 12-by-12 trailer—and only filled half of it. Anne's story offers a rare inside look at the emotional and practical realities of downsizing on...4091budgeting,early retirement,financial planning,fi number,medical cost,minimalism,money mindset,personal finance for students,personal financial health,personal growth,personal loansfalse512fullhttps://www.spreaker.com/episode/511-take-the-next-step--75645999f7cf57db-0a44-4f36-b9ee-bcd85dfaa5f1Sun, 22 Sep 2024 20:00:00 +0000vasderYour retirement tax burden is probably far lower than you think. Most people drastically overestimate what they'll owe in federal taxes once they stop working—often assuming they'll face the same high marginal rates they pay during their peak earning...3774financial planning,fi number,lifestyle design,minimalism,personal growth,retirement planningfalse511fullhttps://www.spreaker.com/episode/510-real-estate-2024-update--75646006866b78b0-97fd-46a0-83f5-7b7d7f65337aSun, 15 Sep 2024 20:00:00 +0000vasderMost people believe rising interest rates make homes cheaper—but the opposite is happening. Scott Trench, CEO of BiggerPockets, explains how the 'lock-in effect' has frozen the housing market: homeowners with 3% mortgages refuse to sell, strangling...3432commercial real estate,couples finance,home buying,property management,real estatefalse510fullhttps://www.spreaker.com/episode/getting-personal-with-personal-finance-ginger-kim--756460032fd2ab6a-9350-41ce-8494-6cd8cb08a9d5Thu, 12 Sep 2024 20:00:00 +0000vasderKim walked away from her job with $1.9 million saved but didn't realize she'd already crossed the finish line until a friend pointed it out. That revelation sparked what she calls "surprise FI"—reaching financial independence without consciously...2714budgeting,debt management,early retirement,fi fundamentals,financial mindset,minimalism,money management,personal financial health,spendingfalse509fullhttps://www.spreaker.com/episode/508-safe-withdrawal-rates-the-case-for-5-and-revealed-preferences--75646005c21a4257-4c11-4960-97b1-a07aa9d021dbSun, 08 Sep 2024 20:00:00 +0000vasderMost people assume achieving financial independence means grinding harder, saving more, and sacrificing relationships along the way. Frank Vasquez, a partner at a major law firm and one of ChooseFI's most active community members, argues the opposite:...4271budgeting,building credit score,financial advisors,investing,life after fi,safe withdrawal ratefalse508fullhttps://www.spreaker.com/episode/507-taking-the-fear-out-of-your-future--75646000ebe8bcac-594a-4742-9f57-36ce4883046dSun, 01 Sep 2024 20:00:00 +0000vasderMost people spend a year making incremental tweaks to their finances. Trisha completely restructured her financial life in 365 days—and the specific steps she took reveal exactly how ordinary people can engineer extraordinary transformation. Ginger...4244financial mindset,frugality,goal achievement,habits,house hacking,money management,networking,personal growth,progress tracking,real estate,real estate financingfalse507fullhttps://www.spreaker.com/episode/projectionlab--75646004ac60cd95-4a0f-44be-a374-3a439437a437Sun, 25 Aug 2024 20:00:00 +0000vasderMost financial planning tools show you a single path to retirement. Kyle Nolan built ProjectionLab because he saw a blind spot: what if your life doesn't follow the script? He started as a software engineer listening to ChooseFI on neighborhood walks,...3902career growth,entrepreneurship,investing,networking,personal growth,soft skills,upskillingfalse506fullhttps://www.spreaker.com/episode/505-mailbag-getting-started-with-fi-debt-vs-investing-dividends-4-includes-taxes-roth-401k--75646007e4522505-02a2-4160-8f7b-bb25f077332cSun, 18 Aug 2024 20:00:00 +0000vasderWhat if the house you're told to buy is actually the barrier between you and financial independence? A California family earning well but unable to afford LA home prices confronts the uncomfortable math: every year they delay buying could accelerate...4489blockchain technology,cryptocurrency,debt management,early retirement,financial planning,investing,investment risks,investment strategies,wealth managementfalse505fullhttps://www.spreaker.com/episode/504-visualizing-your-domino-effect--756460099fdc2d82-d560-4f31-b22c-7ebf8665622eSun, 11 Aug 2024 20:00:00 +0000vasderAt 22, Devon uncovered $5,000 in unnecessary spending after just six months of tracking his expenses. His path to that discovery started at 16 when he joined the National Guard—a decision that would shape not only his financial trajectory but his...4424budgeting,community building,financial planning,military benefits,personal growth,productivity,retirement planning,task management,tax strategies,todoistfalse504fullhttps://www.spreaker.com/episode/503-deep-dive-roth-ira-conversion-ladder--7564601664d2174c-529b-490a-a0fc-172424e51d3cSun, 04 Aug 2024 20:00:00 +0000vasderMost people assume their retirement savings are locked up until 59½. A Roth IRA conversion ladder proves otherwise — and Brad Barrett calls it "maybe the single most important" advanced FI strategy. He teams up with CFP® Cody Garrett to unpack the...4571cash flow planning,early retirement,hsa,investing 101,investment strategies,money management,retirement planning,roth ira,tax strategiesfalse503fullhttps://www.spreaker.com/episode/502-making-fi-fun-again--7564601785210a5c-9903-4eb4-a563-1e7b44118d76Sun, 28 Jul 2024 20:00:00 +0000vasderCutting $100 from your monthly spending doesn't just pad your savings—it slashes your FI target by $30,000. Brad and Ginger revisit the core principles that made ChooseFI resonate with thousands, blending personal travel stories, community frugal...3822budgeting,entrepreneurship,experiential learning,family dynamics,financial planning,financial planning for familie,frugality,kids & family financefalse502fullhttps://www.spreaker.com/episode/it-all-worked-all-of-it-connie--756460135280e697-4b82-488a-93de-25943743b848Sun, 21 Jul 2024 20:00:00 +0000vasderAfter her husband's passing, Connie had to rebuild her financial life from scratch—and she managed to turn that necessity into mastery. Her journey from following traditional debt-reduction advice to strategically using HSAs for healthcare, gaming the...4110fi fundamentals,hsa,mental health,money management,personal growth,self reflection,social security benefitsfalse501fullhttps://www.spreaker.com/episode/500-choose-financial-independence-today--7564598065a3b4cb-864c-4ace-a4c0-3f8346838cb2Sun, 14 Jul 2024 20:00:00 +0000vasderEvery dollar you save buys you hours, days, and eventually years of freedom back — but most people never stop to calculate exactly how much freedom they already need. Brad Barrett marks ChooseFI's 500th episode by revisiting the fundamentals that...3040budgeting,cash flow planning,financial mindset,financial wellness,habits,money mindset,personal growth,savings moneyfalse500fullhttps://www.spreaker.com/episode/overcoming-limiting-beliefs-jess-fioneers--75646023a9d29bd3-1cc4-49a5-9040-93fb8c949422Sun, 07 Jul 2024 20:00:00 +0000vasderYou're trapped by beliefs you didn't choose and can't see — about money, work, your ability to adapt. Jessica from the Pioneers leads a workshop exposing how these misconceptions about yourself prevent action and stall financial independence. The...4119budgeting,career growth,lifestyle design,networking,personal growthfalse499fullhttps://www.spreaker.com/episode/the-6-pillars-of-health-dr-bobby-dubois--7564601549f42ebb-9b2a-4f73-b6ba-244d010d0301Sun, 30 Jun 2024 20:00:00 +0000vasderMost people chasing longevity drown in podcasts, blogs, and conflicting advice. Dr. Bobby Dubois—Harvard grad, Johns Hopkins MD, PhD in health policy, and author of 180+ peer-reviewed studies—has done the opposite: he's distilled decades of research...5230career growth,entrepreneurship,fitness,health,health & wellness,mindfulness,nutrition,personal growth,sleepfalse498fullhttps://www.spreaker.com/episode/497-your-social-security-questions-answered--756460123ba1703a-59bd-44b6-a2c5-38624d0adfc6Sun, 23 Jun 2024 20:00:00 +0000vasderMost people think they understand Social Security—until they try to calculate their actual benefit. Mike Piper, founder of Open Social Security and author of Social Security Made Simple, breaks down exactly how retirement benefits work, from decoding...3977financial mindset,investing,pensions,retirement planning,social security benefitsfalse497fullhttps://www.spreaker.com/episode/496-mailbag-roth-vs-traditional-roth-to-529-conversion-and-combining-finances--75646018d7f0f8b1-4b8a-426a-8058-eae3c5804890Sun, 16 Jun 2024 20:00:00 +0000vasderYour retirement account choice might be costing you thousands — or saving you a fortune — depending on one factor most people get wrong. Brad Barrett and certified financial planner Rachael Camp tackle the Roth vs. traditional IRA debate, the new...4330cash flow planning,couples finance,early retirement,money management,retirement planning,roth ira,roth ira vs traditional ira,tax planning,tax strategies,traditional ira,wealth managementfalse496fullhttps://www.spreaker.com/episode/the-lazy-landlord-james-lowery--75646008f7bd8cee-5090-420c-b411-56257289a0d3Sun, 09 Jun 2024 20:00:00 +0000vasderMost people think they need hundreds of thousands upfront to build wealth through rental properties—James Lowry proved them wrong by acquiring 17 doors under $100k each. His "lazy landlord" approach cuts through property management complexity with a...4235budgeting,entrepreneurship,financial planning,frugality,house hacking,property management,real estatefalse495fullhttps://www.spreaker.com/episode/money-is-your-best-form-of-protest-tori-dunlap--756460199d4b384e-c650-4669-b948-c622991a1287Mon, 03 Jun 2024 01:00:00 +0000vasderWomen earn 84 cents for every dollar men make — but Tori Dunlap built a multimillion-dollar business by age 27 by rejecting the narrative that women should play small with money. The author of Financial Feminist returns to ChooseFI to explain why...4043hsa,money management,money mindset,social security benefitsfalse494fullhttps://www.spreaker.com/episode/design-your-extraordinary-life-alan-katie-donegan--75645995c6c5c0c9-6d2c-4266-a831-90e09d9ea886Mon, 27 May 2024 01:00:00 +0000vasderMost people stumble into financial independence thinking money will solve everything, only to discover they've optimized their way into a life with no clear direction. Alan and Katie Donegan join Brad to share the exercise they use to help 80...4727budgeting,cash flow planning,financial mindset,financial wellness,lifestyle design,savings moneyfalse493fullhttps://www.spreaker.com/episode/the-rrttllu-investing-framework-jesse-cramer--75646025e38416fb-842c-4e1b-8bdb-b9dff2ed45b3Sun, 19 May 2024 20:00:00 +0000vasderMost financial advice online boils down to "just do this" — but what if your situation is the exception? Jesse Kramer, founder of The Best Interest blog and a financial planner, introduces the RRTTLLU framework (Risk, Reward, Taxes, Timeline,...3183budgeting,investing,personal growthfalse492fullhttps://www.spreaker.com/episode/491-answering-your-questions-on-how-to-access-money-before-59-5--756460229c5e441a-5c05-4936-a803-8deb59fd9b04Sun, 12 May 2024 20:00:00 +0000vasderThe IRS will let you pull money from retirement accounts before 59½ — as long as you know which loopholes to use. Brad and Sean Mullaney tackle listener questions on 72(t) distributions, Roth account mechanics, and obscure HSA withdrawal strategies...4226fitness,health,hsa,mindfulness,nutrition,sleep,tax strategiesfalse491fullhttps://www.spreaker.com/episode/the-ultimate-random-show-ginger--75645986d57e498a-ca4c-445a-97a4-1be8189d57b4Mon, 06 May 2024 01:00:00 +0000vasderSouthwest's mini companion pass might be the travel hack you didn't know existed — and it's easier to qualify for than you think. Brad and Ginger recap their recent ChooseFI Vegas event and share practical strategies for maximizing travel rewards. The...3304fi fundamentals,pensions,retirement planning,social security benefitsfalse490fullhttps://www.spreaker.com/episode/freedom-before-fire-trip-of-a-lifestyle--75646027fe779b02-6f48-4f49-9b34-5c35068185f6Mon, 29 Apr 2024 01:00:00 +0000vasderA young couple turned a three-month Australian road trip into a net worth increase — all while collecting memories most people would drain their savings to afford. Steven and Lauren Keys didn't just visit Australia; they drove coast-to-coast in a...3689couples finance,money management,retirement planning,roth ira,roth ira vs traditional ira,tax planning,tax strategies,traditional ira,wealth managementfalse489fullhttps://www.spreaker.com/episode/the-courage-to-take-action-econome-live-with-doc-g--756460146160dd39-1504-4330-9285-4375f99c3457Sun, 21 Apr 2024 20:00:00 +0000vasderKnowing you're financially independent and actually walking away from your career are two different battles. Jordan Grumet reached FI in 2014 but couldn't pull the trigger on leaving medicine until 2018—and only after surrounding himself with a...3402entrepreneurship,house hacking,money mindset,property managementfalse488fullhttps://www.spreaker.com/episode/military-fi-optimizing-your-financial-plan-before-military-retirement-daniel-kopp-cfp--75646026bbd83fe9-794c-4f62-b8d3-6c8cc30a8db9Mon, 15 Apr 2024 01:00:00 +0000vasderMost people know military service earns a pension after 20 years, but few realize it's literally all or nothing—serve 19 years and walk away with zero. Military FI offers unique financial opportunities for service members approaching retirement. This...3699financial mindset,military fifalse487fullhttps://www.spreaker.com/episode/the-wealthy-educator-chris-travers--7564602926a76350-ba3e-4ea0-be3e-54ebbd39a6eaMon, 08 Apr 2024 01:00:00 +0000vasderA public school teacher in New York City hit a million-dollar net worth by 36—earning a teacher's salary in one of the most expensive cities in America. Chris Travers cracked the code through a combination most people overlook: maxing out both 403(b)...2568community building,earning more,goal achievement,self reflectionfalse486fullhttps://www.spreaker.com/episode/485-mailbag-spending-down-to-zero-high-fee-401-k-and-mini-retirements--75646036a5e37f95-9389-4393-b552-99c482c0f2e7Sun, 31 Mar 2024 20:00:00 +0000vasderMost financial planners will tell you to save more, but what if you're actually saving too much for retirement? Brad Barrett and CFP Rachael Camp tackle listener questions about whether to spend down retirement accounts, navigating high-fee 401(k)s,...3558asset allocation,investment strategies,long-term care insurance,retirement withdrawal strategi,risk managementfalse485fullhttps://www.spreaker.com/episode/a-family-journey-from-debt-to-early-retirement-in-a-decade-joel-and-emily-allen--75646031870267cb-6e15-434f-8ef3-d98722f98a87Mon, 25 Mar 2024 01:00:00 +0000vasderMost people don't wipe out $150,000 in debt and then decide to take their five kids around the world. Joel and Emily Allen did both — and the secret wasn't earning more, it was ruthlessly questioning every dollar. The Allens discovered Dave Ramsey...4167debt,hsa,retirement accounts,roth irafalse484fullhttps://www.spreaker.com/episode/effective-giving-for-the-fi-community-rebecca-herbst-jack-lewars--75646028b7900553-1ad5-4e73-94e6-e2cc8178a871Mon, 18 Mar 2024 01:00:00 +0000vasderA charity can multiply your impact by 100 times — or waste 99% of it. Rebecca Herbs and Jack Lewis from the ChooseFI community explain why where you give matters just as much as how much you give, and how anyone pursuing financial independence can...4385community,community building,life experiments,meaningful livingfalse483fullhttps://www.spreaker.com/episode/update-are-remote-tech-careers-still-relevant-in-2026--75645991fd2484b2-0c64-4832-8594-85723b8f964aThu, 14 Mar 2024 20:00:00 +0000vasder90% of Talent Stacker graduates land Salesforce jobs in under 60 days—but does this program still work in 2024? Bradley Rice returns with data from hundreds of career transitions, addressing skepticism about online courses and the volatility of tech...2177earning more,financial mindsetfalse482fullhttps://www.spreaker.com/episode/481-mailbag-long-term-care-and-managing-aging-parents-finances--75645990940bc02e-0179-46c7-a9b9-3e4e56e4b6abSun, 10 Mar 2024 20:00:00 +0000vasderOne-third of family caregivers drain their personal savings to care for aging parents — and most have no plan for when that money runs out. Brad sits down with Danielle Miura, a CFP and founder of Spark Financials, to tackle the financial realities of...2845accountability,money mindset,personal growth,work-life balancefalse481fullhttps://www.spreaker.com/episode/update-healthiest-year-ever-dean-turner--7564603083b73cb1-652f-42a5-b94a-2800abd32aeeThu, 07 Mar 2024 19:00:00 +0000vasderMost people know muscle loss accelerates after 35—fewer realize you can reverse it with just two gym sessions a week. Personal trainer Dean Turner walks Brad through the practical framework that transformed his fitness, focusing on structured...2132healthcare in retirement,health & wellness,military benefits,pensions,tax planningfalse480fullhttps://www.spreaker.com/episode/are-you-on-track-to-fi-fi-roundtable--756460323b0624ab-3c6c-45b3-b6f8-bbd1246655cbMon, 04 Mar 2024 01:00:00 +0000vasderMost people in their twenties worry they're behind on their financial independence journey. Maggie is ahead of the game just by asking the question. Maggie, a listener in her twenties, wonders if she and her husband are on track for FI. Brad sits down...3682earning more,retirement accounts,teacherfalse479fullhttps://www.spreaker.com/episode/2024-investing-update-brian-feroldi--75646033a0b59e61-0ac6-4482-a829-759368dee678Sun, 25 Feb 2024 19:00:00 +0000vasderBrian Feroldi knows something that most investors refuse to admit: nobody can predict what the market will do next—not economists, not gurus, not even your suddenly stock-curious mom. Fresh off the S&P 500 hitting all-time highs in January 2024,...3164early retirement,investing,investment strategies,roth irafalse478fullhttps://www.spreaker.com/episode/the-hot-seat-community-edition--75646039ea0597f0-fd53-4414-bbb4-82c50c040dc0Mon, 19 Feb 2024 01:00:00 +0000vasderA system that dictates your success beats any goal you set. That's the wisdom buried in this community roundup of voicemails, where ChooseFI listeners share their most effective life hacks and hardest-won financial lessons. From sous vide machines...4631budgeting,debt,family budgeting,sabbaticalsfalse477fullhttps://www.spreaker.com/episode/love-loss-and-money-the-shocking-financial-aftermath-of-a-fi-spouse-s-death-amy--75646010fbf5daae-7b5b-4f0e-b13b-e6480a8c3b17Mon, 12 Feb 2024 01:00:00 +0000vasderPhil's parents could have legally claimed half his estate—despite everyone getting along perfectly. That's the jarring reality Amy faced when her husband died without a will, exposing how intestate succession laws can override your wishes and burden...4064charitable giving,meaningful living,money mindsetfalse476fullhttps://www.spreaker.com/episode/475-how-to-access-your-retirement-accounts-before-59-5--756460508bba2c6d-6fa4-420b-aeb5-b4fc34781438Sun, 04 Feb 2024 19:00:00 +0000vasderMost retirement accounts lock your money until 59½ — unless you know the workarounds. Tax expert Sean Mulaney breaks down the full toolkit for accessing retirement funds before that arbitrary age, from taxable brokerage strategies to lesser-known...3504career growth,job search,networking,tax strategies,upskillingfalse475fullhttps://www.spreaker.com/episode/social-security-deep-dive-strategies-for-maximizing-benefits--75646011a8360d11-8714-46a6-83b3-d903974899edSun, 28 Jan 2024 19:00:00 +0000vasderDennis Shapiro worked at the Social Security Administration for 12 years, and his core message contradicts what most early retirees assume: you're probably working longer than necessary by ignoring your future benefits. Most people in the FI community...3824debt management,financial mindset,financial planning for familie,investing,long-term care insurancefalse474fullhttps://www.spreaker.com/episode/are-we-there-yet-retire-early-case-study--756460358ad8e94c-2430-4c89-ae6c-8b3009200808Mon, 22 Jan 2024 01:00:00 +0000vasderTeresa's Social Security benefits increase by $1,200 for every additional year she works—but should she? Brad and Fritz team up with community member Teresa to map out her transition from financially independent to early retired, examining the real...3015fitness,healthy living,retirement withdrawal strategi,strength trainingfalse473fullhttps://www.spreaker.com/episode/the-cure-for-the-boring-middle-fioneers--756460510dbf816f-ba1e-49b3-ad16-1d23bd83ff2bSun, 14 Jan 2024 19:00:00 +0000vasderThe "boring middle" isn't boring at all — it's the point where your finances finally stop demanding attention and you're forced to confront what you actually want from life. Jessica from the Fineears joins Brad to tackle this uncomfortable phase where...3262financial mindset,life insurance,lifestyle design,productivity,retirement planning,task managementfalse472fullhttps://www.spreaker.com/episode/471-mailbag-inflation-aca-subsidies-and-roth-vs-traditional--75646054e751e554-fb64-4ef2-9f74-177cc1c851dbSun, 07 Jan 2024 19:00:00 +0000vasderMost DIY investors miss a critical step when calculating their financial independence number—they forget to adjust for inflation twice. Wilson's question about coast FI calculations reveals a common blind spot: while many know historical stock returns...2740credit,credit cards,health insurance subsidies,insurance & protection,interest rates,investment strategies,long-term care insurance,market volatility,roth ira,stock market analysis,tax planning,traditional irafalse471fullhttps://www.spreaker.com/episode/the-spectrum-of-financial-independence-chris-hutchins--756460380abb8dcf-8c12-4d5d-9614-f603ed47faa9Sun, 31 Dec 2023 19:00:00 +0000vasderMost people who discover Coast FI don't realize they've already been living it for years. Chris Hutchins joins Brad to explore how their thinking on financial independence has evolved beyond the strict formulas and retire-early dogma. They unpack the...4253fi fundamentals,financial mistakes,habits,personal growthfalse470fullhttps://www.spreaker.com/episode/a-tale-of-action-navish-bahl--756460217cca23a7-c960-4e39-99bc-4168a19e4983Mon, 25 Dec 2023 01:00:00 +0000vasderA simple conversation with college friends asking "Is this our life for the next 40 years?" completely changed Navish's financial trajectory. After discovering ChooseFI, he moved from inaction to automating $1,600 monthly into index funds, switching...3349fi fundamentals,financial planning for familie,life insurancefalse469fullhttps://www.spreaker.com/episode/the-power-of-community-amy-diania-and-stephen--7564602055d3427f-51cb-4897-aa04-ad4f52fda119Mon, 11 Dec 2023 01:00:00 +0000vasderMost people in the financial independence community know exactly what they should do — but they're not doing it. Stephen Boyer, creator of CampFI, frames the real question for hesitant attendees: "Ask yourself why you aren't already doing the things...3261community,disability insurance,retirement planning,social security benefitsfalse467fullhttps://www.spreaker.com/episode/journey-to-financial-freedom-jamila-souffrant--75646048e8aa2629-a74d-4c79-9b3e-4a47e0256592Mon, 04 Dec 2023 01:00:00 +0000vasderMost people think financial independence happens when you quit your job. Jamila Sufrad learned it's actually just the beginning. When she left her full-time career in 2018 after having her third child, she thought she had reached the finish line. Now,...2539early retirement,health insurance,investing,retirement planningfalse466fullhttps://www.spreaker.com/episode/the-priceless-value-of-a-great-question--75646044a6b63f79-d1be-47d6-9f12-b674dbf95cf7Mon, 27 Nov 2023 01:00:00 +0000vasderChooseFI Podcast Show Notes Episode Title: The Case Against Paying Off Your Mortgage Episode Summary: In this episode, Brad and Jonathan Mendonsa discuss financial decisions relevant to today's economy, particularly the implications of home ownership....3577investment strategies,meaningful living,money mindset,personal growth,value investingfalse465fullhttps://www.spreaker.com/episode/budgeting-masterclass-tiffany-the-budgetnista-aliche--7564604291abddd7-d0cd-48a6-af23-63556ca3dbbdMon, 20 Nov 2023 01:00:00 +0000vasderMost budgeting advice targets financial extremes—the ultrawealthy seeking tax optimization or those drowning in crisis debt. The middle gets ignored. Tiffany Aliche, better known as the Budgetnista, built a career teaching that overlooked majority...3452budgeting,budgeting apps,budgeting basics,credit,credit cards,family budgeting,health insurance subsidies,investment tools,irregular income budgeting,roth ira,spending smarter,tax planning,traditional ira,vacation budgeting,zero-based budgetfalse464fullhttps://www.spreaker.com/episode/superpower-of-frugality-frugal-friends--75646037a7b59d54-146a-4be0-b323-79c81baa4396Mon, 13 Nov 2023 01:00:00 +0000vasderMost people think frugality means eating ramen in a dark room to scrimp every penny. Jen and Jill from the Frugal Friends Podcast know it's actually a superpower — one that transformed Jen's $78,000 debt payoff and reshaped how both of them think...3470coast fi,financial mindset,fire movement,retirement fundamentals,spending smarterfalse463fullhttps://www.spreaker.com/episode/pathfinders-jl-collins--75646057190c01a8-7b29-4d37-b6aa-74f5676c3d0bMon, 06 Nov 2023 01:00:00 +0000vasderMost people think financial independence is reserved for tech workers pulling six figures or inheritance recipients who started on third base. JL Collins, whose book The Simple Path to Wealth became the investing bible for a generation, just published...3498expense tracking,real estatefalse462fullhttps://www.spreaker.com/episode/taking-space-for-yourself-and-community-october-roundup--756460496317b82f-c84a-4534-bed7-9d4257705fa8Mon, 30 Oct 2023 01:00:00 +0000vasderWhen was the last time you made plans based on "wouldn't it be cool if..." rather than a detailed spreadsheet? Brad and Ginger return for their monthly roundup, covering listener questions on travel reward cards, investing strategies, and college...3640financial goal setting,goal achievement,motivation,year end winsfalse461fullhttps://www.spreaker.com/episode/preparing-for-the-cost-of-college-brian-eufinger--7564602496da48c4-3e34-4bfd-bff9-bef14001e903Sun, 22 Oct 2023 20:00:00 +0000vasderMost families think eighth grade is too early to worry about college costs. Chris Terrell, co-founder of Edison Prep, proves otherwise — and shows how early preparation can save tens of thousands of dollars. Preparation and knowledge are vital for...3678community building,community events,kids & family finance,personal growth,relationshipsfalse460fullhttps://www.spreaker.com/episode/follow-the-thread-cory-muscara--75646041c2bcf867-35cc-401b-99c2-f1573a97d543Mon, 16 Oct 2023 01:00:00 +0000vasderMost people chasing financial independence think hitting their number will finally bring peace—but what if the chase itself is another form of avoidance? Corey Mascara, former monk and host of the Practicing Human podcast, returns to challenge the FI...3128financial goal setting,frugality,money mindsetfalse459fullhttps://www.spreaker.com/episode/a-healthy-state-of-panic-farnoosh-torabi--756460454948887b-2877-4a83-b732-36a0f745ba59Mon, 09 Oct 2023 01:00:00 +0000vasderWhat if fear isn't your enemy, but the very compass pointing toward your next breakthrough? Farnoosh Tarabi — host of So Money with nearly 1,600 episodes and author of A Healthy State of Panic — argues that fear signals our deepest values and drives...3176health insurance,insurance,investment strategies,money mindset,personal financial health,value investingfalse458fullhttps://www.spreaker.com/episode/457-mailbag-how-to-cover-your-expenses-in-early-retirement--7564605810208535-9ede-4c06-aa54-6e3d1e1e8efcSun, 01 Oct 2023 20:00:00 +0000vasderYou can start building wealth at any age—but most people waste years waiting for "the perfect time" that never comes. In this mailbag episode, Brad Barrett teams up with Rachael Camp, a CFP who helps high earners and solopreneurs preserve wealth, to...4511budgeting,budgeting apps,budgeting basics,expense tracking,family budgeting,investing,investment tools,irregular income budgeting,vacation budgeting,zero-based budgetfalse457fullhttps://www.spreaker.com/episode/taking-a-step-to-fi-september-roundup-with-ginger--7564606348096abf-40a6-42fd-ae33-85c5e1dabe24Sun, 24 Sep 2023 20:00:00 +0000vasderYou just saved the equivalent of several months' salary through strategic salary negotiation — now what if that same framework could unlock every other area of your financial life? Hosts Dominick Quartuccio and Brad Barrett dissect three standout...2887budgeting,fi fundamentals,financial mindset,frugalityfalse456fullhttps://www.spreaker.com/episode/creating-your-entrepreneurial-flywheel-nathan-barry--75646056ca78d0ff-9cdd-4cab-8a0e-8393f6a8c01fMon, 18 Sep 2023 01:00:00 +0000vasderNathan Barry gave away millions of dollars to his family—and says it was the best financial decision he ever made. As CEO of ConvertKit, he'd reached a level of wealth that changed what money could do, not just for him, but for the people he loved...4461book review,earning more,financial goal setting,index funds,investing 101,saving vs. investingfalse455fullhttps://www.spreaker.com/episode/salary-negotiation-early-retirement-financial-mechanic--75646052ec591a66-6f8e-4e1e-8733-ed00c45cea00Mon, 11 Sep 2023 01:00:00 +0000vasderA single salary negotiation can deliver eight years of personal freedom—yet most people never ask. Financial Mechanic returns to ChooseFI to explain how thorough preparation, understanding your market value, and adopting a collaborative mindset can...3433community building,debt management,debt negotiation,early retirement,earning more,healthcare in retirement,networking,retirement age planning,retirement fundamentals,retirement lifestyle,retirement planning,retirement savings goals,retirement tax planning,tax planning,travel lifestylefalse454fullhttps://www.spreaker.com/episode/from-food-stamps-to-fi-theresa--75646069709ba2fa-7874-45d4-a212-9b7e25df4132Mon, 04 Sep 2023 01:00:00 +0000vasderStaring at $20,000 in credit card debt across 15 cards would paralyze most people—but Teresa turned that rock bottom into a launching pad for generational wealth. Her journey from financial instability to achieving debt-free status and establishing a...4050family budgeting,fi fundamentals,financial planning for familie,personal finance for studentsfalse453fullhttps://www.spreaker.com/episode/this-is-not-a-dress-rehearsal-august-roundup-with-katie--7564607369134386-a5a9-433c-b793-ffa533d41159Sun, 27 Aug 2023 20:00:00 +0000vasderYou don't need a million dollars to change your relationship with money—sometimes you just need to stop waiting for permission. Brad Barrett teams up with Katie from Money With Katie to distill the most striking insights from recent ChooseFI episodes,...3495lifestyle design,mindfulness,money psychology,personal growthfalse452fullhttps://www.spreaker.com/episode/mini-retirements-to-accelerate-your-path-to-fi-jillian-johnsrud--75646060d6c7fbf2-a0c1-4c7c-911c-898835562dd6Mon, 21 Aug 2023 01:00:00 +0000vasderMost people think you need to wait until retirement to finally live the life you want. Jillian Johnsrud proved otherwise by spending eight months traveling with her husband, five kids, and multiple pets in a 26-foot camper—and she did it while...3228early retirement,healthcare in retirement,health insurance,insurance,lifestyle design,personal financial health,retirement age planning,retirement fundamentals,retirement lifestyle,retirement planning,retirement savings goals,retirement tax planning,tax planningfalse451fullhttps://www.spreaker.com/episode/catching-up-to-fi-becky-heptig-bill-yount--756460670c5af809-9707-45da-9913-0f1e2a9b8438Mon, 14 Aug 2023 01:00:00 +0000vasderBill Young changed his spending from near zero savings to a 35-40% rate in just one year — as an emergency room physician who had already blown through a high income. This episode features Bill and Becky Heptig, hosts of the new podcast Catching Up to...3104budgeting,expense tracking,fi fundamentalsfalse450fullhttps://www.spreaker.com/episode/rubber-ducks-and-systems-for-land-investing--75646070a2263cd2-4fb9-4646-9add-6f687d7b6825Mon, 07 Aug 2023 01:00:00 +0000vasderMost people who lose money on land never want to touch it again. JT Olmstead went the opposite direction. After spending years as an IT network engineer, he turned land investing into a systemized business that lets him work on his own terms. His path...4513budgeting,envelope system,growth investing,investing 101,investment strategies,productivity,real estate,saving vs. investing,task management,tax-advantaged investing,todoist,travel,value investing,wealth managementfalse449fullhttps://www.spreaker.com/episode/july-roundup-working-backwards-into-fi--75646064a2fa3a6b-3a8d-4a6a-997e-239ac641ba62Mon, 31 Jul 2023 01:00:00 +0000vasderMost people think financial independence means maximizing every dollar saved—but what if the real win is knowing when to spend? Brad Barrett teams up with listener Ginger for a roundup of the month's most compelling takeaways, from Carl Jensen's...3523entrepreneurship,fi fundamentals,income generation,meaningful livingfalse448fullhttps://www.spreaker.com/episode/447-mailbag-breaking-up-with-your-advisor-i-bonds-4-rule-and-roth-iras--75646065b8e7001d-dbcc-47c3-96f9-74c167655642Sun, 23 Jul 2023 20:00:00 +0000vasderYour financial advisor's 1% fee just cost you $10,000 this year — and next year it'll be even more. Jason's question about breaking up with his advisor isn't unique; it's one of the most common technical dilemmas Brad receives. The core challenge...3611debt management,debt negotiation,early retirement,healthcare in retirement,investing,ira rollovers,retirement age planning,retirement fundamentals,retirement lifestyle,retirement planning,retirement savings goals,retirement tax planning,tax planningfalse447fullhttps://www.spreaker.com/episode/small-and-mighty-real-estate-investor-chad-carson--756460715f66d3bf-7b3a-4c67-8f15-4a6155b5b356Mon, 17 Jul 2023 01:00:00 +0000vasderMost real estate investors obsess over adding more properties to their portfolios. Chad Carson spent years doing the opposite—and found it made him wealthier, happier, and far less stressed. Chad returns to discuss his newly released book, 'The Small...3783commercial real estate,debt snowball method,estate tax planning,family budgeting,real estate,real estate financing,real estate law,real estate market trends,tax planning,wealth managementfalse446fullhttps://www.spreaker.com/episode/fundamental-truths-of-investing-brian-feroldi--7564606231aac55f-9c82-41b8-ab2e-5f9b21d2bd7bSun, 09 Jul 2023 20:00:00 +0000vasderMost investors are guaranteed to be wrong—a lot. Brian Feroldi learned this truth the hard way over 18 years, and it's just the beginning. Brad sits down with Brian, an investing educator with nearly half a million Twitter followers, to unpack the...2437accountability,growth investing,investing,investing 101,investment strategies,saving vs. investing,tax-advantaged investing,value investing,wealth managementfalse445fullhttps://www.spreaker.com/episode/spending-for-happiness-carl-jensen-doug-cunnington--75646034e6514191-765f-494d-af62-a0d2ac4d7f8cMon, 03 Jul 2023 01:00:00 +0000vasderCarl Jensen wants to give you $200,000—but only if you spend it right now, before you die. That's the essence of a shift happening across the FI community, away from hoarding every dollar and toward intentional spending that creates lasting happiness....3801budgeting,early retirement,healthcare in retirement,holiday spending,retirement age planning,retirement fundamentals,retirement lifestyle,retirement planning,retirement savings goals,retirement tax planning,spending smarter,tax planningfalse444fullhttps://www.spreaker.com/episode/the-invisible-nature-of-spending-ginger-roundup--75646061de199221-2ead-44b0-be21-0b3a2281052cMon, 26 Jun 2023 01:00:00 +0000vasderOnly 3% of American workers have a pension. If you're one of them, you might be making a costly mistake in your FI calculations. This mashup episode covers everything from snagging hotel rooms with points during Taylor Swift concerts to the hidden...3293budgeting,financial mindset,frugality,holiday spending,money mindset,retirement planningfalse443fullhttps://www.spreaker.com/episode/442-intermediate-travel-rewards--756460766f2edf44-6776-411f-b8e6-95dab682a828Sun, 18 Jun 2023 20:00:00 +0000vasderUnlocking Travel Rewards: Strategies for Financial Independence Travel rewards can be a game changer on your journey to financial independence, allowing you to travel luxuriously at little to no cost. Here, you will learn actionable strategies to...4441budgeting,envelope system,growth investing,insurance,investing 101,investment strategies,saving vs. investing,tax-advantaged investing,travel insurance,travel rewards,value investing,wealth managementfalse442fullhttps://www.spreaker.com/episode/the-valuist-returns-fi-roundup-with-bo-loy--75646072f3ac3c25-f16f-4ae8-8fc4-6086580611cdMon, 12 Jun 2023 01:00:00 +0000vasderMost people wait until they have "enough" to start living intentionally — but what if you've been thinking about this backwards? Bo Loy returns to unpack "valuism," the principle that has shaped ChooseFI's philosophy since 2017: spend on what you...3360financial mindset,tax strategiesfalse441fullhttps://www.spreaker.com/episode/past-failure-does-not-define-future-success-amy-minkley--7564604361b25d42-adf8-4af7-affc-cf96edc2b538Mon, 05 Jun 2023 01:00:00 +0000vasderMost successful super-savers eventually realize their strategies need to evolve — but Amy Minkley discovered hers were almost destroying her. After two decades of rigid financial discipline led her to burnout in Bangkok, she found the FI community at...3354ira rollovers,retirement planning,tax strategiesfalse440fullhttps://www.spreaker.com/episode/439-adjusting-to-life-after-fi-before-you-get-there--75646074ca74f746-2886-4e53-a226-e01d51641abcSun, 28 May 2023 20:00:00 +0000vasderYour daily routine evaporates the instant you leave your job—but most people obsessing over their FI number never prepare for what happens next. Chris Terrell left his career in April 2020, right as the pandemic began, and discovered that achieving...3629commercial real estate,estate tax planning,insurance,life insurance,lifestyle design,real estate financing,real estate law,real estate market trends,tax planning,wealth managementfalse439fullhttps://www.spreaker.com/episode/dollars-and-sense-clint-murphy-ginger--75646080b393d026-4658-44e7-8b67-6d4f2a3b3c94Mon, 22 May 2023 01:00:00 +0000vasderPsychology shapes every dollar you spend, yet most financial advice ignores the irrational thoughts that drive your decisions. Brad Barrett sits down with licensed therapist Ginger and Growth Guide podcast host Clint Murphy to unpack Dollars and Cents...3664growth investing,investing 101,investment strategies,money mindset,saving vs. investing,tax-advantaged investing,value investing,wealth managementfalse438fullhttps://www.spreaker.com/episode/437-student-loan-forgiveness-essential-update--756460681dacf8fe-5ed3-48e7-b8f5-f5efdd5247f6Mon, 15 May 2023 01:00:00 +0000vasderStudent loan borrowers who took out loans before 2010 now have access to forgiveness options that didn't exist six months ago—but only if they know to consolidate those loans before time runs out. Travis Hornsby returns with critical updates on the...2097budgeting,credit cards,debt,debt management,holiday spending,loan consolidation,loan refinancing,student loan repaymentfalse437fullhttps://www.spreaker.com/episode/from-vision-board-to-action-a-fi-success-story-rakesh--75646075a2465155-bfbd-4d96-8098-c7ae4b09d2d9Mon, 08 May 2023 01:00:00 +0000vasderA software engineer earning six figures still carried $15,000 in credit card debt — until a YouTube autoplay changed everything. Rakesh had money but no purpose for it, saving aimlessly while assuming he'd work forever. After stumbling onto ChooseFI...3634budgeting,holiday spending,productivity,spending smarter,task management,todoistfalse436fullhttps://www.spreaker.com/episode/tipped-finance-barbara-sloan--756460798df8bd14-6a61-4fe8-aaa2-b5f0355bd43eMon, 01 May 2023 01:00:00 +0000vasderThe federal sub-minimum wage for tipped workers is $2.13 per hour — the same rate it's been since the 1960s. Barbara Sloan, author of Tipped and creator of TipFinance.com, spent 20 years working for tips before building a financial education company...3376credit cards,debt management,experiential learning,family dynamics,loan consolidation,loan refinancing,meaningful living,money mindset,student loan repaymentfalse435fullhttps://www.spreaker.com/episode/the-transtheoretical-model-of-change-roundup-with-ginger--75646084ca9fc0f6-9800-4a13-ba16-b07167b9dbb6Mon, 24 Apr 2023 01:00:00 +0000vasderWant to stop treating your student loans like a permanent houseguest? One key insight from the Economy Conference—the world's largest FI gathering—is that intentional payoff strategies can free you years ahead of the standard 30-year timeline. This...3995community building,meaningful living,mindfulness,mini retirements,money mindset,productivity,task management,todoistfalse434fullhttps://www.spreaker.com/episode/outside-365-greg-heil--7564606612811532-cbb1-4dbd-8850-1f635305561eMon, 17 Apr 2023 01:00:00 +0000vasderMost people need a job to survive—but what if that same job is quietly stealing your health? Greg realized his tech career was keeping him in a chair 60+ hours a week, so he committed to moving at least one mile outside every single day, no matter the...3102insurance,investing,life insurancefalse433fullhttps://www.spreaker.com/episode/the-skill-of-spending-mr-money-mustache--756460405e082de2-c893-4579-822f-777ced89fc00Mon, 10 Apr 2023 01:00:00 +0000vasderMost people don't realize spending is a skill — Pete Adeny (Mr. Money Mustache) does, and it's completely changed how he thinks about money. When you master spending the same way you'd learn to lift heavier weights or run faster, you don't give...3288budgeting,debt management,financial mindset,holiday spending,money mindset,personal financial health,savings moneyfalse432fullhttps://www.spreaker.com/episode/the-evolution-of-fi-the-mad-fientist--75646085986c24b7-0a79-409b-84dc-4d06078baaefSun, 02 Apr 2023 20:00:00 +0000vasderGuest Brandon returns after becoming a father, and his transformation reveals something unexpected: achieving financial independence taught him less about cutting expenses and more about spending on what actually matters. Brad and Brandon explore how...3935credit cards,debt management,fi fundamentals,loan consolidation,loan refinancing,student loan repaymentfalse431fullhttps://www.spreaker.com/episode/mindset-financial-independence-and-real-estate-the-fi-couple--756460771bb73cf1-9ce3-445e-b8c3-abf49e9b3746Mon, 27 Mar 2023 01:00:00 +0000vasderMost couples don't calculate their total debt until they're planning a wedding. Allie and Josh faced over $100,000 in student loans while trying to figure out if they could even afford to get married. That brutal conversation in 2017 became their...3330budgeting,commercial real estate,estate tax planning,financial mindset,frugality,money mindset,personal financial health,real estate financing,real estate law,real estate market trends,tax planning,wealth managementfalse430fullhttps://www.spreaker.com/episode/429-fi-frugal-hobbies--75646078f6d47ce0-1d8d-41af-bfe0-8cedac226354Sun, 19 Mar 2023 20:00:00 +0000vasderMost people discover a sport after it becomes popular—but what if you found it years before the world caught on? Brad Barrett met Chris Terrell back in 2014 at a local Mr. Money Mustache meetup, making Chris the first person in the FI community Brad...5189credit cards,debt management,loan consolidation,loan refinancing,spending smarter,student loan repaymentfalse429fullhttps://www.spreaker.com/episode/428-fees-frugality-and-401k-fears--7564608608f72492-e24f-4604-9165-96516466c0d0Mon, 13 Mar 2023 01:00:00 +0000vasderMoney anxiety peaks when you're doing everything "right" but still feel financially stuck. Brad Barrett and Ginger tackle this tension head-on, exploring why intentional living—not rigid rules—is the real path to financial independence. Ginger shares...4571community building,money mindset,personal growth,productivity,task management,todoistfalse428fullhttps://www.spreaker.com/episode/drawdown-strategies-karsten-vs-fritz--75646081b83a247b-bcdf-4607-a950-810ae87c61e0Sun, 05 Mar 2023 19:00:00 +0000vasderMost retirees stress about running out of money — but if you're reading this, you'll probably face the opposite problem: you won't spend enough. Karsten from Early Retirement Now and Fritz from The Retirement Manifesto both retired in June 2018 and...3782credit,credit cards,credit vs. debit,fitness,investing,mental health,saving vs. investing,secured vs unsecured loansfalse427fullhttps://www.spreaker.com/episode/what-to-do-with-2-5-million-real-estate-update-scott-trench--756460829d32baab-59b2-443f-9d36-70d5a8971df9Mon, 27 Feb 2023 01:00:00 +0000vasderScott Trench just dropped a financial planning bomb that most people miss entirely: you're building your portfolio backwards. Instead of imagining how you'd invest $2.5 million in cash if someone handed it to you tomorrow, you're sleepwalking into a...3399budgeting,commercial real estate,estate tax planning,holiday spending,personal financial health,real estate,real estate financing,real estate law,real estate market trends,savings money,tax planning,wealth managementfalse426fullhttps://www.spreaker.com/episode/425-brad-barrett-s-journey-to-financial-independence--756460593f61d687-d478-4e25-8c1a-dab8200b605fMon, 20 Feb 2023 01:00:00 +0000vasderWhat if you could start over with everything you know now about money? Brad Barrett gets that rare chance to lay out his entire FI journey—the wins, the regrets, and the hard-won wisdom he wishes he'd had at 25. In a role-reversal episode, Brad...3690financial mindset,frugality,lifestyle design,productivity,task management,todoistfalse425fullhttps://www.spreaker.com/episode/the-power-of-fi-deanna--756460472a5fe3d6-2315-4b19-8030-159dde08dec2Mon, 13 Feb 2023 01:00:00 +0000vasderPaying off $47,000 in debt sounds impressive until you learn the real story behind it. Deanna didn't just tackle her finances—she rebuilt her entire life from the ground up, transforming addiction and trauma into a ministry that now helps others do...3370commercial real estate,estate tax planning,financial mindset,personal financial health,productivity,real estate,real estate financing,real estate law,real estate market trends,task management,tax planning,todoist,wealth managementfalse424fullhttps://www.spreaker.com/episode/what-are-you-optimizing-for-chris-hutchins--756460872f726030-12cf-4304-a856-2022b90ccb8bMon, 06 Feb 2023 01:00:00 +0000vasderChris Hutchins runs the All the Hacks podcast, and two of his recent episodes changed Brad Barrett's entire outlook on money—so much that Brad stopped their usual catch-up call to hit record. What started as a casual conversation between friends...4765family dynamics,financial goal setting,frugality,lifestyle design,productivity,task management,todoistfalse423fullhttps://www.spreaker.com/episode/lessons-from-a-young-entrepreneur--756460465cae7759-a2bd-4ec2-a491-e2195fd9c534Mon, 30 Jan 2023 01:00:00 +0000vasderMost teenagers aren't plotting their escape from the workforce—Devon started at 15. Influenced by his older brother's decision to drop out of college and build a nomadic photography career, this Michigan high schooler saw the trap of student debt and...4422budgeting,financial mindset,frugality,retirement planning,spending smarterfalse422fullhttps://www.spreaker.com/episode/421-secure-act-2-0-deep-dive-what-changed-for-retirement-savings--7564605582b1f49e-f8da-4d7c-a43d-dcb85c9a3f7dSun, 22 Jan 2023 19:00:00 +0000vasderIf you're sitting on decades of tax-deferred retirement savings, the government just gave you three more years before you have to start taking it out — but only if you were born after 1959. Tax expert Sean Mullaney breaks down Secure Act 2.0, the...2751credit,credit cards,credit vs. debit,saving vs. investing,secured vs unsecured loans,tax strategiesfalse421fullhttps://www.spreaker.com/episode/mindful-fire-adam-coelho--756460832a38f887-cb0b-44b1-8358-7400c923dc1eMon, 16 Jan 2023 01:00:00 +0000vasderMost people think financial independence is about numbers, but what if your brain's wiring matters just as much as your spreadsheet? Adam Cueo spent 12 years teaching mindfulness to over 2,500 Google employees while pursuing FI himself. In this...4762commercial real estate,estate tax planning,mental wellness,real estate financing,real estate law,real estate market trends,tax planning,wealth managementfalse420fullhttps://www.spreaker.com/episode/your-bold-move-for-2023-dominick-quartuccio--75648170cf5b3f3c-541b-4366-9c3e-71f01ac939f9Mon, 09 Jan 2023 01:00:00 +0000vasderChronic illness became Dominick Quartuccio's most powerful teacher—stripping away everything he thought defined success and forcing him to rebuild from the ground up. When a relentless health battle derailed his carefully constructed life, Quartuccio...3896financial mindset,money mindsetfalse419fullhttps://www.spreaker.com/episode/investing-lessons-learned-in-2022-brian-feroldi--75648048041db835-2161-4dac-87ae-e035763ead47Sun, 01 Jan 2023 19:00:00 +0000vasderMost investors think they know their risk tolerance—until a real bear market hits. In this episode, Brian Feroldi breaks down the hard lessons from 2022's market turbulence. The year exposed how deeply the Federal Reserve's interest rate decisions...3626budgeting,debt snowball method,financial mindset,growth investing,investing,investing 101,investment strategies,saving vs. investing,tax-advantaged investing,value investing,wealth managementfalse418fullhttps://www.spreaker.com/episode/learning-to-leave-diania-merriam--75648089a22bc31c-2ff3-4b0e-9ab3-a3c0ae2fd609Mon, 19 Dec 2022 01:00:00 +0000vasderAfter years of dedication and accomplishments, Diana Merriam watched her supportive, female-led organization transform into something unrecognizable following an acquisition—a shift that culminated in discrimination, undervaluation, and ultimately,...4246earning more,entrepreneurship,personal finance for studentsfalse416fullhttps://www.spreaker.com/episode/four-thousand-weeks-choosefi-book-club--756481154c4d9473-47dc-43a0-80e5-c4db2210d1adFri, 16 Dec 2022 01:00:00 +0000vasderMost people assume they need better time management systems to get more done. But what if the real challenge is accepting that you'll never get everything done—and learning to choose wisely what matters most? The new ChooseFI Book Club segment kicks...4155lifestyle design,productivity,retirement tax planning,rmd (required minimum distribu,roth ira,task managementfalse415fullhttps://www.spreaker.com/episode/house-fire--7564808736feb3f1-f225-4c3b-aed4-c17e11762facMon, 12 Dec 2022 01:00:00 +0000vasderMost real estate investors obsess over cutting costs — but Alan Corey grew his portfolio to over 300 units by flipping that approach entirely. Alan, an Atlanta-based real estate investor who fat-fired at 42, joins Brad to break down his business-first...4275fire movement,happiness,house hacking,mindfulness,money mindset,personal growthfalse414fullhttps://www.spreaker.com/episode/mental-wealth-healing-rich-jones--7564808066584ad2-30dc-4581-9b21-d75a30581c9aMon, 05 Dec 2022 01:00:00 +0000vasderFinancial independence won't fix a drinking problem—Rich Jones discovered that the hard way. After quitting alcohol in July 2020, Rich, a certified wellness coach and Google diversity specialist, uncovered a deeper truth: achieving FI meant nothing...3214community building,lifestyle design,motivation,personal growth,wealth management,wealth preservation,wealth succession planningfalse413fullhttps://www.spreaker.com/episode/what-s-in-your-index-fund-katie-alan-donegan--7564817183bc2c77-18d4-4fb5-bdcd-495664f5580cFri, 02 Dec 2022 01:00:00 +0000vasderMost investors have no idea what's actually inside their index funds — a blind spot that could cost them during the next market downturn. Alan and Katie Donegan from the Rebel Finance School spent lockdown analyzing the composition of popular index...3646growth investing,index funds,investing,investing 101,investment strategies,saving vs. investing,tax-advantaged investing,value investing,wealth managementfalse412fullhttps://www.spreaker.com/episode/the-simple-path-to-wealth-jl-collins--7564808357ed5a3f-3188-491e-9722-f87effc1ef8cMon, 28 Nov 2022 01:00:00 +0000vasderHigh investment fees could be costing you millions—and most investors don't realize it until decades of returns have quietly evaporated. Brad Barrett sits down with JL Collins, author of The Simple Path to Wealth, to break down why low-cost index...4220financial mindset,investing,retirement savings goals,wealth management,wealth preservation,wealth succession planningfalse411fullhttps://www.spreaker.com/episode/short-term-rentals-on-the-path-to-fi-kelly-cronin--756480851ba61791-31a1-469f-8a0b-1c8b9ae2ff7cMon, 21 Nov 2022 01:00:00 +0000vasderMost people think financial independence requires a six-figure income. Kelly Cronin proved that wrong — not by earning more, but by getting smarter about living on less. A veterinary technician who stumbled onto ChooseFI in 2017, Kelly turned episode...4011career growth,lifestyle designfalse410fullhttps://www.spreaker.com/episode/409-401-k-mega-backdoor-roth-and-the-premium-tax-credit--7564809910dc3a43-853f-42b9-baff-db14ef12843eThu, 17 Nov 2022 19:00:00 +0000vasderMost people worry that leaving their W-2 job means diving into a tax nightmare — but what if the opposite were true? Self-employment opens doors to retirement accounts and tax strategies that traditional employees can't access, yet fear of the unknown...4312401(k) strategies,building credit score,capital gains tax,credit,credit card debt,credit cards,credit counseling,credit fraud protection,credit reports,credit score improvement,debt management,estate tax planning,retirement planning,retirement tax planning,self-employment tax,tax credits,tax deductions,tax filing tips,tax planning,tax strategiesfalse409fullhttps://www.spreaker.com/episode/debt-payoff-disney-taking-action-audrey--756480840f6243a1-89cf-404c-9a38-0ec8c178f675Mon, 14 Nov 2022 01:00:00 +0000vasderOne woman's skeptical glance at a "too good to be true" Facebook post turned into 33 states traveled, $200,000 in student loans eliminated, and a complete family financial transformation—all in seven years. Audrey's story begins with a friend's casual...3381credit card debt,credit cards,debt avalanche method,debt consolidation,debt management,debt management strategies,debt negotiation,debt snowball method,house hacking,real estatefalse408fullhttps://www.spreaker.com/episode/18-months-of-massive-action-josue--75648202b189d3ed-5c31-4bdf-ad81-b53fed3f191cMon, 07 Nov 2022 01:00:00 +0000vasderJosue felt like he was drifting through life—then he stumbled on ChooseFI and everything changed. The Southern California resident wrote in with one of those emails that makes a podcast host sit up straighter: "I was drifting through life on the...4673index funds,investing,investment strategiesfalse406fullhttps://www.spreaker.com/episode/just-keep-buying-nick-maggiulli--75648219c1327a1a-24b6-4559-a856-636ee2278e53Mon, 31 Oct 2022 01:00:00 +0000vasderMost people assume maxing out your 401(k) is always the right move — but what if the fees and opportunity costs wipe out the tax benefits? Nick Maggiore, author of "Just Keep Buying" and COO of Ritholtz Wealth Management, challenges this assumption...2930home buying,passive income,property investment,real estate,travelfalse404fullhttps://www.spreaker.com/episode/alignment-adjustments-scott-taylor-rieckens--7564814441288652-e2af-47a2-a0e7-334d58e260ddMon, 24 Oct 2022 01:00:00 +0000vasderMost people spend five years chasing financial independence only to discover they've been chasing the wrong thing entirely. When Scott and Taylor Rieckens documented their FI journey in the documentary "Playing with Fire," they set out on what they...4055401(k) strategies,building credit score,capital gains tax,credit,credit card debt,credit cards,credit counseling,credit fraud protection,credit reports,credit score improvement,debt management,estate tax planning,lifestyle design,retirement planning,retirement tax planning,self-employment tax,tax credits,tax deductions,tax filing tips,tax planningfalse403fullhttps://www.spreaker.com/episode/court-from-modern-fimily-returns--75648239b2d3d09c-99bf-4fc6-bd08-7b6cee10b660Sun, 16 Oct 2022 20:00:00 +0000vasderCourt achieved financial independence and promptly did something most FI purists would call reckless: she moved into a bigger house, kept her townhouse as a rental, and cut her hours in half — all while pregnant. Two years later, she's living proof...3961earning more,house hackingfalse401fullhttps://www.spreaker.com/episode/money-with-katie-katie-gatti--756480695d07b857-616b-42bb-8688-912957e57807Sun, 09 Oct 2022 20:00:00 +0000vasderFinancial independence felt impossible at 23 with no savings, no plan, and a dead-end job — until Katie Gaddy stumbled onto ChooseFI and realized wealth-building is just math, not magic. Katie, host of Money with Katie (acquired by Morning Brew this...4102house hacking,military fi,personal financial health,savings moneyfalse399fullhttps://www.spreaker.com/episode/397-securing-your-financial-life--75648135b3ac13c8-d0e8-4fc4-b259-1ea43541debeSun, 02 Oct 2022 20:00:00 +0000vasderYour financial accounts are only as secure as your weakest password — and most people reuse the same three. Tom, a cybersecurity expert and former federal law enforcement officer, shares practical strategies for protecting your online financial life....4591happiness,insurance,life insurance,lifestyle design,meaningful livingfalse397fullhttps://www.spreaker.com/episode/the-valuist-bo-loy--756481743c71ccde-4c98-4ab1-b345-fb0f27061034Mon, 26 Sep 2022 01:00:09 +0000vasderNegotiate your salary like everything depends on it — because your lifetime earnings actually do. In this conversation, orthopedic surgeon Bo Loy shares how he's built wealth not by depriving himself, but by questioning every financial decision and...4845debt,house hacking,productivity,task management,todoistfalse396fullhttps://www.spreaker.com/episode/the-debtist-finds-balance-in-fi-the-debtist--75648074ddccec85-ae65-4ea6-86eb-3997bc01dee0Mon, 19 Sep 2022 01:00:01 +0000vasderWhen $575,000 in student loans became a choice rather than a prison sentence, dentist Samantha realized she'd cracked a code most borrowers never see. Samantha, known as The Debtist, has slashed her debt significantly while simultaneously traveling,...2910credit card debt,credit cards,debt avalanche method,debt consolidation,debt management,debt management strategies,debt negotiation,debt snowball method,lifestyle design,real estate financingfalse395fullhttps://www.spreaker.com/episode/from-blood-cancer-to-the-boston-marathon-boyd-dunleavey--75648138c168531f-754f-4388-8835-b249265d32e4Mon, 12 Sep 2022 01:00:50 +0000vasderAfter two battles with acute myeloid leukemia—and facing a grim 5% survival rate—Boyd Dunleavy discovered that the financial foundation he'd quietly built for decades would determine whether his family weathered the crisis or crumbled under it. Boyd,...4423house hacking,productivity,real estate,task management,todoistfalse394fullhttps://www.spreaker.com/episode/travel-rewards-refresher-2022-lyn-mettler--75648159c9f76a1d-233e-4674-bc75-b2c281b4a7b5Sun, 04 Sep 2022 20:00:00 +0000vasderLynn Mettler's family has taken over 30 trips using points and miles—most costing less than $100 out of pocket. In this refresher, she walks through the 2022 landscape for travel hacking, from signup bonuses that dwarf everyday spending rewards to the...3587money mindset,personal financial health,savings money,travel insurancefalse393fullhttps://www.spreaker.com/episode/392-jonathan-s-farewell-reflections-on-six-years-of-choosefi--756480780b3f1d2e-49a5-4398-b839-309755f4998aSun, 28 Aug 2022 20:00:00 +0000vasderNearly six years of podcasting doesn't just end — it evolves into something new. As Jonathan Mendonsa prepares to step back from hosting ChooseFI, he and Brad Barrett use this episode to reflect on the journey that helped shape the modern financial...3079house hacking,lifestyle designfalse392fullhttps://www.spreaker.com/episode/the-student-loan-reset-the-student-loan-planner--75648094968b3e14-cfa5-40df-8c77-8c8f1ff52db4Mon, 22 Aug 2022 01:00:59 +0000vasderOver 3 million borrowers may qualify for immediate student loan forgiveness—but most don't know it, and the clock is ticking on a rare eligibility window. Travis Hornsby, a student loan planner, returns to explain two temporary federal waivers that...1953credit cards,debt management,insurance,insurance & protection,life insurance,loan consolidation,loan refinancing,student loan repaymentfalse391fullhttps://www.spreaker.com/episode/taking-stock-of-your-life-jordan-grumet--756481610ad9de42-3c05-4ac1-9934-8dc8d329da5eSun, 14 Aug 2022 20:00:00 +0000vasderA hospice doctor treating terminal patients doesn't expect to learn the most important financial lesson of his life from someone on their deathbed. Jordan Grumet did—and it changed how he thinks about money, time, and living intentionally. In this...3114budgeting,financial mindset,insurance,life insurance,money mindset,stock market analysis,stock valuation techniquesfalse390fullhttps://www.spreaker.com/episode/the-language-of-business--75648082a512ac4c-1b2f-4141-8077-149a4c6126fcMon, 08 Aug 2022 01:00:50 +0000vasderMost people think financial statements are just for accountants and Wall Street analysts. They're wrong. If you work in a corporation, run a business, manage your own investments, or care about your personal balance sheet, this fundamental skill...3106credit card debt,credit cards,debt,debt avalanche method,debt consolidation,debt management,debt management strategies,debt negotiation,debt snowball method,retirement age planning,retirement planningfalse389fullhttps://www.spreaker.com/episode/the-18-year-old-who-actually-listened--756481113dd17df4-5825-4e60-b9ca-1b7638af845cMon, 01 Aug 2022 01:00:07 +0000vasderMost 18-year-olds discover financial independence content and do nothing with it. Zach graduated college with zero debt and a Salesforce job before most of his peers finished their sophomore year. Four years ago, Zach stumbled on the ChooseFI podcast...3358financial planning,fitness,health & wellnessfalse388fullhttps://www.spreaker.com/episode/how-real-estate-investors-make-it-work-in-high-interest-environments-coach-carson--75648169465cf6ec-69f6-4b7b-9fdc-0bdcf87a4af3Mon, 25 Jul 2022 01:00:46 +0000vasderInterest rates have jumped from 3% to 6% in the span of months — and suddenly, every real estate investor is wondering if the game has changed. Coach Carson, a seasoned investor with over 100 rental properties, says the fundamentals haven't shifted —...3739commercial real estate,community,credit cards,entrepreneurship,estate tax planning,interest rates,motivation,personal growth,real estate financing,real estate law,real estate market trends,tax planning,wealth managementfalse387fullhttps://www.spreaker.com/episode/the-100k-glorified-sleepaway-camp-millionaire-educator--75648172eff303c8-cae0-42ba-bea4-477d7fabad12Mon, 18 Jul 2022 01:00:37 +0000vasderYou can complete a legitimate bachelor's degree for under $2,000 — no catch, no diploma mill. Jerry Born walked his son Bruce through a system that uses CLEP exams and ACE-approved online courses to knock out credit requirements in months, not years....3320credit cards,debt,debt management,loan consolidation,loan refinancing,student loan repaymentfalse386fullhttps://www.spreaker.com/episode/385-time-is-your-ultimate-luxury--75648155c0556fe8-4c2d-4d70-a69b-d59afcbb182fMon, 11 Jul 2022 01:00:00 +0000vasderMost people work tirelessly for money, but what if you're trading the one thing you can never get back? Jonathan Mendonsa and Brad Barrett break down why time—not wealth—is your most valuable asset, and how strategic financial decisions can help you...3344insurance,life insurance,lifestyle design,stock market analysis,stock valuation techniquesfalse385fullhttps://www.spreaker.com/episode/functionality-with-numbers--75648105e3aeca00-78ef-484c-9e64-1c7f31bd8576Sun, 03 Jul 2022 23:00:48 +0000vasderMost people treat math as something they left behind in high school — but the ability to estimate 10% or understand compounding is the difference between making wealth-building decisions and leaving thousands of dollars on the table. Poker strategies,...2644earning more,retirement age planning,retirement planningfalse384fullhttps://www.spreaker.com/episode/what-do-you-want-to-be-when-you-grow-up--75648165141f941f-b25a-40f4-9f8c-39af1ce419b2Mon, 27 Jun 2022 01:00:59 +0000vasderMost people cling to careers they've outgrown because they fear what comes next — but what if you could test-drive your dream life without burning everything down? Jessica, who previously appeared on episode 229, has spent the past two years doing...2903family budgeting,kids & family finance,personal finance for students,roth irafalse383fullhttps://www.spreaker.com/episode/382-managing-financial-risk-and-market-uncertainty--7564816680b42e12-1440-4607-9208-d83f4db74f59Mon, 20 Jun 2022 01:00:20 +0000vasderMost financial advice assumes the best-case scenario — stable income, predictable markets, life going according to plan. In 2022, as inflation spiked, interest rates doubled, and crypto platforms imploded, Brad and Jonathan ask a different question:...3861commercial real estate,credit cards,estate tax planning,interest rates,real estate,real estate financing,real estate law,real estate market trends,risk management,tax planning,wealth managementfalse382fullhttps://www.spreaker.com/episode/381-how-much-should-you-spend-on-housing--7564810029bea90d-f565-4c7b-8e21-232b2869d677Sun, 12 Jun 2022 20:00:00 +0000vasderChooseFI Podcast Show Notes: Common Sense Spending Guidelines for Housing in Uncertain Times Episode Summary: In this episode, Jonathan Mendonsa and Brad Barrett discuss effective strategies for managing housing costs while pursuing financial...4171budgeting,credit,family budgeting,financial planning for familie,holiday spending,personal finance for students,saving vs. investing,secured credit lines,spending smarterfalse381fullhttps://www.spreaker.com/episode/380-financial-decision-making-the-72-hour-rule-for-smart-spending--756481402491b0b6-a426-47a3-8d01-0f9d24719633Mon, 06 Jun 2022 01:00:57 +0000vasderEvery financial decision you make is either opening doors or closing them—and most people don't realize which until it's too late. Brad and Jonathan break down optionality as the core principle behind better money choices, from everyday purchases to...3328financial planning,lifestyle design,meaningful living,personal growth,productivity,task management,todoist,work-life balancefalse380fullhttps://www.spreaker.com/episode/379-the-hidden-job-market-how-to-find-jobs-that-aren-t-posted--75648178039e48b2-f034-4cd3-9082-a4114fe095c1Sun, 29 May 2022 20:00:00 +0000vasderBradley and Anita both doubled their salaries by breaking into Salesforce—an industry neither had prior experience in. Their stories reveal how financial independence principles create the breathing room to make bold career pivots, and why soft skills...4123budgeting basics,career growth,careers,earning more,financial goal setting,investing 101,job search,soft skills,stock market analysis,upskillingfalse379fullhttps://www.spreaker.com/episode/378-earning-power-the-best-protection-against-inflation--756481830248142c-94ac-41f5-9c8d-13418219ecf6Mon, 23 May 2022 01:00:03 +0000vasderMost people think their savings rate determines their financial future. But Warren Buffett argues something entirely different: your ability to earn more is the real weapon against inflation. When Brad and Jonathan dig into why your career trajectory...3555capital gains tax,career transition,coast fi,credit,credit fraud protection,earning more,entrepreneurship,life experiments,tax planningfalse378fullhttps://www.spreaker.com/episode/377-retirement-planning-strategies-during-economic-uncertainty--75648201bf25a889-3796-4bcb-b765-32e8dd49d94fSun, 15 May 2022 20:00:00 +0000vasderA 50% savings rate might solve most financial challenges, but what happens when inflation erodes your purchasing power faster than you can save? Brad and Jonathan tackle the reality of planning for financial independence when both stocks and bonds are...3264early retirement,healthcare in retirement,investing,retirement age planning,retirement fundamentals,retirement lifestyle,retirement planning,retirement savings goals,retirement tax planning,risk management,tax planning,wealth managementfalse377fullhttps://www.spreaker.com/episode/376-four-percent-rule-alternatives-retirement-withdrawal-strategies--75648230402310b7-6d80-49a3-a35b-149b721e7b7fSun, 08 May 2022 20:00:00 +0000vasderMost people accept the 4% rule as gospel—withdraw 4% of your retirement portfolio each year and your money will last. But what happens when markets crash, healthcare costs spike, or you live longer than expected? Sean Mullaney reveals four hidden...3074budgeting,credit,holiday spending,investing,secured credit linesfalse376fullhttps://www.spreaker.com/episode/375-how-to-calculate-your-savings-rate-and-why-it-s-important--756481673461e3eb-6a51-4991-8b4c-65186b325578Mon, 02 May 2022 01:00:12 +0000vasderYour current income doesn't determine whether you can retire—your savings rate does. If you're spending every dollar you earn, retirement is impossible no matter how much you make. Brad and Jonathan break down the single most important metric on the...2930budgeting,cryptocurrency,cybersecurity,financial mindset,investment risks,lifestyle design,personal financial health,retirement planning,retirement savings goals,savings first,savings money,saving vs. investingfalse375fullhttps://www.spreaker.com/episode/374-tools-to-simplify-budgeting-and-tracking-finances--756482255e25e337-005d-4a1b-bdef-8f74955422c2Mon, 25 Apr 2022 01:00:17 +0000vasderMost people think budgeting means restricting their spending — Brad and Jonathan flip that idea entirely. Budgeting isn't about limitation; it's about creating freedom to pursue your goals faster. Budgeting and tracking finances can feel overwhelming,...3200budgeting,budgeting apps,budgeting basics,career growth,careers,expense tracking,family budgeting,investment tools,irregular income budgeting,job search,productivity,soft skills,spending smarter,stock market analysis,task management,todoist,upskilling,vacation budgeting,zero-based budgetfalse374fullhttps://www.spreaker.com/episode/natural-remedies-startup-economics-and-financial-literacy-a-to-z--75648117821e5941-acc9-4623-9072-d60725d0529fMon, 18 Apr 2022 01:05:17 +0000vasderWhy do WeWork, brain freeze, and your kid's financial future have anything in common? More than you'd think. Brad and Jonathan tackle an eclectic mix of listener questions—from quirky natural remedies to the cautionary tale of a startup hemorrhaging...3324capital gains tax,credit,credit fraud protection,earning more,tax planningfalse373fullhttps://www.spreaker.com/episode/372-tax-extensions-and-capital-gains-tax-strategy--75648241a4145395-a3b2-4139-8ba2-92fcdc43c8bcSun, 10 Apr 2022 20:00:00 +0000vasderMost people think losses from last year can erase this year's tax bill — they can't. Tax years are hermetically sealed. If you sold a huge winner in 2016 and then watched your portfolio tank in 2017, those losses won't rewind the clock on what you...2380early retirement,healthcare in retirement,retirement age planning,retirement fundamentals,retirement lifestyle,retirement planning,retirement savings goals,retirement tax planning,tax planning,tax strategiesfalse372fullhttps://www.spreaker.com/episode/371-why-does-the-stock-market-go-up--75648119621b8118-5857-41e0-9aaa-ca63e2b267d8Sun, 03 Apr 2022 20:00:00 +0000vasderMost investors never ask why Tesla trades at a higher valuation than Ford despite selling far fewer cars. Understanding that puzzle is the first step to making smarter investment decisions. Brian Quartuccio (Feraldi) joins Jonathan and Brad to break...2756investing,investment strategies,market trend analysis,market volatility,real estate market trends,retirement planning,social security benefits,stock market analysis,stock valuation techniquesfalse371fullhttps://www.spreaker.com/episode/370-how-to-set-and-timeline-financial-goals--756481226f84d458-2abb-456f-b45e-0db8edc3144dMon, 28 Mar 2022 01:00:17 +0000vasderMost people think they need bigger savings goals, but what if you're chasing the wrong finish line entirely? Joe Saul-Sehy, host of Stacking Benjamins, challenges the default financial playbook by revealing how goal setting goes wrong. Instead of...3282budgeting,fi fundamentals,financial goal setting,personal financial health,retirement planning,retirement savings goals,savings first,savings money,saving vs. investingfalse370fullhttps://www.spreaker.com/episode/369-goal-setting-for-financial-independence-part-2--75648109329d0d71-74d0-427e-80c3-886aac6ec43eMon, 21 Mar 2022 01:00:10 +0000vasderWalking into your backyard only to discover the biggest stump you've ever seen blocking your garden project—sound familiar? That moment when an obstacle feels immovable mirrors every financial roadblock we've ever faced. But what if the problem isn't...2850budgeting,budgeting apps,budgeting basics,credit cards,expense tracking,family budgeting,financial goal setting,investment tools,irregular income budgeting,money mindset,personal financial health,productivity,secured vs unsecured loans,task management,vacation budgeting,zero-based budgetfalse369fullhttps://www.spreaker.com/episode/368-goal-setting-for-financial-independence-part-1--756481685707e9b2-ba36-4426-a227-594fc7d2230bMon, 14 Mar 2022 02:00:41 +0000vasderMost people assume "decluttering" means throwing out old clothes. Brad Barrett and Jonathan Mendonsa argue it's actually your ticket to financial independence — and the first step has nothing to do with your closet. Clarity and goal setting are...2562budgeting,fi fundamentals,financial goal setting,personal financial health,productivity,task management,todoistfalse368fullhttps://www.spreaker.com/episode/367-how-to-calculate-your-fi-number-retirement-planning-basics--756481200f60d51e-d31b-4e88-88c4-1775636b3eafMon, 07 Mar 2022 01:00:04 +0000vasderMost retirement calculators are lying to you—they base your FI number on income, not on what you actually spend. Brad and Jonathan break down why this matters and how to fix it. If you spend $40,000 annually, you need $1 million to retire comfortably...2621capital gains tax,fi fundamentals,self-employment tax,tax deductions,tax filing tipsfalse367fullhttps://www.spreaker.com/episode/366-mindset-shifts-for-financial-independence-success--7564817561f4f7a6-3083-4a47-a867-07c1eb8eafe3Mon, 28 Feb 2022 01:00:55 +0000vasderMost people think of financial independence as an escape plan—but what if you're running toward nothing once you break free? Brad and Jonathan examine a less-discussed vulnerability in the FI journey: the concept of "day zero," the moment you first...2623market trend analysis,market volatility,money mindset,real estate market trends,stock market analysis,stock valuation techniquesfalse366fullhttps://www.spreaker.com/episode/365-work-life-balance-and-financial-independence--756482423cc83974-e7ee-4a2b-8c22-978c91a6194cMon, 21 Feb 2022 01:00:02 +0000vasderWhy does every Super Bowl commercial seem designed to make you feel like your life isn't enough? Jonathan and Brad dissect this year's big game ads—from Coinbase's minimalist QR code to Matthew McConaughey's latest pitch—and uncover a troubling...2497financial goal setting,money mindset,personal financial health,retirement planning,retirement savings goalsfalse365fullhttps://www.spreaker.com/episode/what-s-all-the-hoopla-about--7564818096ccff35-d8c1-492a-8f19-1c25438c4153Mon, 14 Feb 2022 01:00:00 +0000vasderMost people don't realize how exposed their digital life is until it's too late. Brad experienced a ransomware attack firsthand, and his story offers crucial lessons on protecting yourself from similar threats. Financial resilience involves preparing...3095credit cards,financial goal setting,money mindset,personal financial health,secured vs unsecured loansfalse364fullhttps://www.spreaker.com/episode/first-to-a-million-with-dan-sheeks--7564812875ea9a0c-7eb8-4a5e-ac64-fca4b8f15064Mon, 07 Feb 2022 01:00:28 +0000vasderMost teenagers make the exact same financial mistakes their parents made — and nobody's showing them a better path. Dan Sheeks, author of First to a Million: A Teenager's Guide to Achieving Early Financial Independence, built a roadmap that meets...3519budgeting,financial goal setting,irs audits,money mindset,personal financial health,savings first,tax planningfalse363fullhttps://www.spreaker.com/episode/money-and-relationships-part-1-navigating-money-conversations--75648265c2440e00-5a15-4679-9bfa-8d98a3109728Sat, 05 Feb 2022 19:00:00 +0000vasderYour spouse says they're "fine" with money, but you're drowning in spreadsheets while they max out credit cards. That tension? It's not about the numbers. Jillian Johnsrud, a couples' financial communication expert, reveals why money talk fails — and...2628money mindset,relationships,simplicityfalse300fullhttps://www.spreaker.com/episode/discovering-the-power-of-fu-money--756481777a571206-33d1-46c9-9fb7-b42379a1c917Sat, 05 Feb 2022 19:00:00 +0000vasderZach and Marilyn sold their old home, moved into a new property, and now use rental income to completely cover their mortgage—all within two months of talking with Paula Pant. Their rapid transformation from financial paralysis to action shows what's...3506cryptocurrency,cybersecurity,financial wellness,other,scamsfalse321fullhttps://www.spreaker.com/episode/362-cryptocurrency-investment-strategies-part-2--75648185528b4fd9-0d6d-47c3-b3f4-13a76e732322Sun, 30 Jan 2022 19:00:00 +0000vasderMost blockchain profits don't come from trading coins—they come from building the infrastructure. Brad and Jonathan explore the "picks and shovels" approach to cryptocurrency, explaining how to earn income through smart contracts, airdrops, and DeFi...3141blockchain technology,budgeting,cryptocurrency,debt management,investing,retirement planning,savings moneyfalse362fullhttps://www.spreaker.com/episode/361-blockchain-and-cryptocurrency-basics-part-1--75648294c333176e-0b0e-4202-94b3-093bce526fb4Sat, 22 Jan 2022 19:00:00 +0000vasderMost cryptocurrencies will fail—but blockchain technology might reshape how we own everything from art to real estate. Brad Barrett and Dominick Quartuccio unpack blockchain, cryptocurrencies, and NFTs, sharing their personal learning journeys while...3476brokerage accounts,house hacking,investing,investment strategies,retirement accounts,savings money,tax planningfalse361fullhttps://www.spreaker.com/episode/360-financial-independence-success-strategies--75648124b43e8001-cc23-4a5a-98ef-27230e139764Mon, 17 Jan 2022 01:00:00 +0000vasderMost people think credit cards are either good or bad. Brad and Jonathan show young adults why that's the wrong question — it's about what you do with them. This episode tackles the financial lessons 17-year-olds need before they start adulting: how...3900accountability,goal achievement,money mindset,self reflectionfalse360fullhttps://www.spreaker.com/episode/359-swot-analysis-for-financial-independence--756481848ea5460e-d76d-441e-affa-c015f2a7221bMon, 10 Jan 2022 01:00:00 +0000vasderYour financial independence plan isn't failing — you just haven't run the right diagnostic yet. Brad and Jonathan apply a SWOT analysis framework to personal finance, pushing listeners to gather hard data on income, expenses, and net worth before...3010community building,lifestyle design,market trend analysis,meaningful living,mental health,sector analysis,stock market analysis,technical analysisfalse359fullhttps://www.spreaker.com/episode/358-new-year-financial-audit-income-and-expense-review--75648137e584125c-356c-456b-862f-23ac3d014eb5Mon, 03 Jan 2022 01:00:00 +0000vasderMost people never truly know what their life costs—which is why they can't design the life they actually want. Starting fresh in 2022, Brad and Jonathan make the case that a proper financial audit isn't just bookkeeping—it's the difference between...2856budgeting,cybersecurity,emergency funds,financial wellness,other,self reflectionfalse358fullhttps://www.spreaker.com/episode/355-making-bold-financial-moves-vs-incremental-changes--75648181ee8ae674-fd09-4783-bcb3-144ccb679654Sun, 12 Dec 2021 19:00:00 +0000vasderYou've already built wealth through steady gains—but what if this year demands something bigger than optimization? Dominick Quartuccio returns to challenge the incremental mindset: when comfort becomes a ceiling rather than a foundation, bold moves...3013credit,cryptocurrency,debt management,fi fundamentalsfalse355fullhttps://www.spreaker.com/episode/354-personal-finance-risk-management-strategies--756481326ceb6e31-4c8d-4533-9d33-676b281a5056Mon, 06 Dec 2021 01:00:00 +0000vasderMost people think they're hedging against risk by obsessing over every market dip—but they're confusing volatility with actual danger. Brad and Jonathan tackle the critical distinction between market fluctuations and genuine financial risk, then...3452credit,credit cards,credit vs. debit,debt management,fi fundamentals,market trend analysis,personal finance for students,personal financial health,personal loans,saving vs. investing,sector analysis,secured vs unsecured loans,stock market analysis,technical analysisfalse354fullhttps://www.spreaker.com/episode/353-travel-rewards-how-families-can-travel-for-free--7564818288e2a5e4-77cd-419a-a02a-212c77e6f36bMon, 29 Nov 2021 01:00:00 +0000vasderChooseFI Podcast Episode Show Notes Episode Title: Unlocking Travel Rewards for Families **Episode Summary:**Travel rewards can significantly cut travel costs for families, allowing them to enjoy vacations without the burden of flight expenses. Lynn...2951budgeting,cash flow,financial planning for familie,net worth,travel rewardsfalse353fullhttps://www.spreaker.com/episode/352-diy-financial-planning-create-your-own-financial-plan--75648126a690b4fe-05ce-4c94-9720-962b9bb15075Sun, 21 Nov 2021 19:00:00 +0000vasderYou already know how to save, invest, and track your expenses — but when did you last map your entire financial ecosystem? Most DIY investors in the FI community can name their portfolio allocation, but ask them about beneficiary designations,...4129financial goal setting,year end winsfalse352fullhttps://www.spreaker.com/episode/351-year-end-tax-planning-strategies--75648129450bf25e-b5f7-4a48-91d9-7a523f9f0701Mon, 15 Nov 2021 01:00:00 +0000vasderCongress is about to eliminate the backdoor Roth IRA — and you have until December 31st to act. Sean Mullaney returns to help you squeeze every last tax benefit out of 2021 before year-end deadlines slam shut. This year's tax landscape looks...3564capital gains tax,debt management,estate tax planning,financial planning for familie,goal achievement,hsa,retirement accounts,retirement age planning,retirement planning,retirement tax planning,self-employment tax,tax credits,tax deductions,tax filing tips,tax planning,wealth management,wealth succession planning,year end winsfalse351fullhttps://www.spreaker.com/episode/350-balanced-portfolio-strategy-managing-investment-winners--75648279346ee3b6-70ee-4272-80dd-a0a87d8e5565Mon, 08 Nov 2021 01:00:00 +0000vasderWhen 70% of your net worth suddenly lands in a single stock, you're not managing a portfolio anymore — you're gambling. Brad and Jonathan tackle the terrifying euphoria of runaway winners with Brian Feroldi, who walks through exactly when to take...2509goal achievement,investment portfolio,lifestyle design,motivation,personal growth,wealth managementfalse350fullhttps://www.spreaker.com/episode/349-investment-returns-paper-vs-real-returns-explained--7564824977ada563-65cd-49fb-a204-2e25fc86b5ddMon, 01 Nov 2021 01:00:00 +0000vasderThe personal finance acronym you know could cost you thousands—but the one you don't know might cost you everything. Brad and Jonathan break down NGMI (Not Gonna Make It) and HFSP (Have Fun Staying Poor), two phrases exploding across crypto...2871commercial real estate,credit,credit cards,credit vs. debit,debt management,investing,personal finance for students,personal financial health,personal loans,real estate financing,real estate law,real estate market trends,saving vs. investing,secured vs unsecured loansfalse349fullhttps://www.spreaker.com/episode/the-rules-of-the-game--75648193dcc59880-12c0-4e22-9f5e-fb976a6200f7Mon, 25 Oct 2021 01:00:00 +0000vasderYou're convinced retirement planning is all spreadsheets and sacrifice—but what if the biggest wins come from understanding a few simple rules most people never learn? Jonathan and Brad break down how mastering the mechanics of the tax code, employer...3191financial planning for familie,travel rewardsfalse348fullhttps://www.spreaker.com/episode/347-how-to-calculate-investment-returns--756482040de97351-9ff8-4e0d-bfa0-9f999cc2a25cSun, 17 Oct 2021 20:00:00 +0000vasderMost investors think a 50% loss needs a 50% gain to recover. They're wrong — and that math mistake can destroy retirement plans. Brad and Jonathan unpack the deceptively simple mathematics of percentage returns and why statistical blind spots lead to...2953budgeting basics,financial goal setting,financial mindset,retirement fundamentals,tax strategiesfalse347fullhttps://www.spreaker.com/episode/346-tax-implications-of-retirement-account-withdrawals--756482549ea3ba88-e516-4e32-9f01-b779d623762bSun, 10 Oct 2021 20:00:00 +0000vasderMost people think they understand their retirement accounts — until they try to figure out the tax bill. Brad and Jonathan break down the three main "buckets" of retirement savings and reveal why knowing the difference between tax-deferred and...3381capital gains tax,estate tax planning,financial planning for familie,hsa,retirement age planning,retirement planning,retirement tax planning,self-employment tax,tax credits,tax deductions,tax filing tips,tax planning,tax strategies,wealth management,wealth succession planningfalse346fullhttps://www.spreaker.com/episode/345-career-change-strategy-how-to-pivot-your-career--756482710b0a2340-a82c-40ec-aad0-bb2b78e70036Mon, 04 Oct 2021 01:00:00 +0000vasderRethinking your career path doesn't mean starting over—it means building on what you already have. Brad and Jonathan break down how to navigate career transitions without sacrificing the financial independence you're working toward, while juggling the...3002careers,earning more,insurance,investment portfolio,long-term care insurance,productivity,task management,todoist,wealth managementfalse345fullhttps://www.spreaker.com/episode/344-risk-avoidance-and-deworsification-common-investment-mistakes--75648270d0686594-314d-42e8-b43d-fea4d916f83eMon, 27 Sep 2021 01:00:00 +0000vasderPlaying it safe with your money might feel smart — until you realize you're watching your savings shrink year after year while others build real wealth. Brad and Jonathan dissect how excessive caution in investing often backfires, costing you more...2615commercial real estate,credit,credit cards,credit vs. debit,investing,real estate financing,real estate law,real estate market trends,risk management,saving vs. investing,secured vs unsecured loans,wealth managementfalse344fullhttps://www.spreaker.com/episode/343-overcoming-financial-criticism-and-building-wealth--756483269ebe545c-2256-4fe3-9de0-d63f29f8c34eSun, 19 Sep 2021 20:00:00 +0000vasderYou've spent months—maybe years—preparing for that next big step. You've read the books, taken the courses, mapped out the plan. But somehow, you still haven't started. Dominick Quartuccio shares insights from 'Fire the Haters' on why preparation...2854401(k) strategies,fi fundamentalsfalse343fullhttps://www.spreaker.com/episode/342-avoiding-financial-complacency-good-vs-great-mindset--75648200fc431463-9128-476e-8b95-258590904ceeMon, 13 Sep 2021 01:00:00 +0000vasderSettling for "good" might be the very thing blocking your path to greatness. Brad and Jonathan examine how autopilot living keeps us comfortable but stagnant, and why breaking out requires confronting uncomfortable truths about where we actually...2373entrepreneurship,money mindset,safe withdrawal ratefalse342fullhttps://www.spreaker.com/episode/341-smart-spending-when-splurges-are-worth-it--756481946f647da5-42d3-4db6-8fe2-f429d08bd684Mon, 06 Sep 2021 01:00:00 +0000vasderSpending $50 more on the right Airbnb location can transform an entire vacation—but most people in the FI community would never consider it. Jonathan and Brad share their experiences from Red X month, a dedicated period where they completely...3328capital gains tax,estate tax planning,net worth,personal financial health,retirement tax planning,self-employment tax,spending smarter,tax credits,tax deductions,tax filing tips,tax planningfalse341fullhttps://www.spreaker.com/episode/340-alternative-investments-collectibles-and-hidden-assets--75648299417bbca1-70cb-40cd-8ac4-25a10d5be55fMon, 30 Aug 2021 01:00:00 +0000vasderThat aging baseball card collection gathering dust in your closet might be worth more than your entire investment portfolio. Brad and Jonathan examine a listener's surprising discovery about the real value of their childhood sports cards — and why the...2548careers,insurance,long-term care insurance,money mindsetfalse340fullhttps://www.spreaker.com/episode/339-financial-goal-completion-and-follow-through--75648315851616a1-c190-4a9f-904c-f08b49b4c0b8Mon, 23 Aug 2021 01:00:00 +0000vasderMost home warranties cost hundreds of dollars annually but cover repairs you might never need. Brad and Jonathan break down when DIY makes sense, when to skip the warranty upsell, and how community feedback turns financial theory into real-world wins....2642investing,risk management,wealth managementfalse339fullhttps://www.spreaker.com/episode/338-10-ways-to-increase-your-income--75648160858589df-4be4-46f9-a3c3-dc0127253607Mon, 16 Aug 2021 01:00:00 +0000vasderMost people obsess over cutting expenses, but there's a floor to how much you can save — and no ceiling to how much you can earn. Brad and Jonathan team up with Alan Donegan from Rebel Business School to flip the script on traditional personal finance...4169budgeting,careers,community building,earning more,entrepreneurship,irregular income budgeting,motivation,personal growth,self helpfalse338fullhttps://www.spreaker.com/episode/337-family-adventure-travel-on-a-budget-with-lifestyle-design--756481250da42b3d-f968-4be8-ab12-c4bf4fa322faMon, 09 Aug 2021 01:00:00 +0000vasderMost people dream of making every day feel like vacation—yet struggle to inject spontaneity into rigid family routines. Heidi Dusik, host of the Ordinary Sherpa podcast, reveals how families can design their lifestyles around accessible adventure,...3695financial mindset,goal achievement,minimalism,money mindset,personal growthfalse337fullhttps://www.spreaker.com/episode/336-100-ways-to-make-your-first-1-000--75648139929467c6-b2e9-4a54-9400-3b0e52564336Mon, 02 Aug 2021 01:00:00 +0000vasderMost side hustle advice tells you to mow lawns. Nick Loper found 99 other ways to make your first $1,000 — and some of them are delightfully weird. Brad and Jonathan sit down with the Side Hustle Show host to explore everything from mobile notary work...2976net worth,personal financial health,spending smarterfalse336fullhttps://www.spreaker.com/episode/335-why-we-stay-in-financial-comfort-zones-and-how-to-break-free--75648214465b7638-a178-469e-9352-5d03487ed331Mon, 26 Jul 2021 01:00:00 +0000vasderWhat if the life you're building—the one everyone says you're "supposed" to want—isn't actually yours? Jonathan and Brad dissect the autopilot choices most people make from college to career to retirement, questioning why we follow paths we never...3123financial mindset,lifestyle design,value investing,wealth managementfalse335fullhttps://www.spreaker.com/episode/experiments-in-fi-inflation-gardening-and-revocable-living-trusts--756481526cda29b1-104c-406c-9c1b-f41eddc9fbabMon, 19 Jul 2021 01:00:00 +0000vasderJonathan thought he'd save money growing his own vegetables. After tallying up garden boxes, soil, and tools, his homegrown zucchini might be the most expensive produce he's ever eaten. Brad and Jonathan explore this and other listener questions in...3382money mindset,spending,trust funds,wealth management,work-life balancefalse334fullhttps://www.spreaker.com/episode/333-how-to-plan-your-first-mini-retirement--75648323e8cff857-0802-4893-80f3-67ee71d75e50Mon, 12 Jul 2021 01:00:00 +0000vasderMost people dream of retirement as a single distant finish line. What if you could cross it multiple times—starting now? Brad and Jonathan explore how mini retirements reframe the entire concept of taking time off. Instead of deferring adventure and...3715budgeting,careers,early retirement,healthcare in retirement,irregular income budgeting,irs audits,lifestyle design,retirement age planning,retirement fundamentals,retirement lifestyle,retirement planning,retirement savings goals,retirement tax planning,savings first,tax planningfalse333fullhttps://www.spreaker.com/episode/332-how-to-use-your-tax-return-as-a-financial-planning-tool--756482279bcfc0f5-d7f7-4980-ac6e-a12971a18ae7Sun, 04 Jul 2021 20:00:00 +0000vasderMost people treat their tax refund like hitting the lottery—exciting, but they never stop to question why the government had their money in the first place. Sean Mullaney walks Jonathan Mendonsa and Brad Barrett through what your tax return actually...3656capital gains tax,estate tax planning,family dynamics,financial planning for familie,hsa,lifestyle design,meaningful living,retirement age planning,retirement planning,retirement tax planning,self-employment tax,tax credits,tax deductions,tax filing tips,tax planning,wealth management,wealth succession planning,work-life balancefalse332fullhttps://www.spreaker.com/episode/331-how-inflation-affects-your-investment-strategy--75648382ab1b2ed7-15a7-45f2-baf0-74036ee75dd4Mon, 28 Jun 2021 01:00:00 +0000vasderThe Federal Reserve is projecting 3.4% inflation, but the Consumer Price Index is already hitting 5%. That gap matters more to your portfolio than you might think. Brad and Jonathan sit down with Karsten Jeske (Big ERN) from Early Retirement Now to...3736earning more,entrepreneurship,income generationfalse331fullhttps://www.spreaker.com/episode/is-there-a-housing-market-bubble-with-paula-pant--756483160b9c7d22-3495-45e3-8711-14d89d4c170fMon, 21 Jun 2021 01:00:00 +0000vasderHome prices shooting to the moon while your friends bid $100,000 over asking and still get rejected—sound familiar? The current housing market has a shortage of inventory creating fierce competition among buyers, a stark contrast to the 2006 surplus...4486career growth,lifestyle design,market trend analysis,market volatility,meaningful living,personal growth,real estate market trends,stock market analysisfalse330fullhttps://www.spreaker.com/episode/329-stock-market-investment-strategy-comparison--756482297b6b0b8d-0708-4cf9-84c3-0be44fbfc9fbMon, 14 Jun 2021 01:00:00 +0000vasderMost investors believe that picking the perfect portfolio is the make-or-break decision on their path to financial independence — but what if the real mistake is never picking one at all? Brad and Jonathan put popular FI strategies head-to-head in a...3325growth investing,investing,investing 101,investment strategies,saving vs. investing,tax-advantaged investing,trust funds,value investing,wealth managementfalse329fullhttps://www.spreaker.com/episode/328-how-to-evaluate-stocks-focus-on-the-business--756482282787000d-0499-4c50-9e4a-f4af1135093aMon, 07 Jun 2021 01:00:00 +0000vasderStock prices soar and plummet while the underlying businesses barely budge. ARK's latest struggles and Zoom's wild ride reveal a fundamental truth most investors miss: short-term stock movements have little to do with actual business performance....2989budgeting,early retirement,healthcare in retirement,investing,irs audits,retirement age planning,retirement fundamentals,retirement lifestyle,retirement planning,retirement savings goals,retirement tax planning,savings first,stock market analysis,stock valuation techniques,tax planningfalse328fullhttps://www.spreaker.com/episode/327-combining-entrepreneurship-with-financial-independence--75648153d1d2c5e6-af1c-4cbe-884c-9a9f79020044Fri, 04 Jun 2021 01:00:00 +0000vasderYou can do anything in life — if you're willing to pay the price. What skills are hiding in your daily routine that could fund your freedom? Alan Donegan shares his pandemic-nomad playbook: from geo-arbitrage experiments across continents to the...3799capital gains tax,earning more,estate tax planning,financial planning for familie,retirement age planning,retirement planning,retirement tax planning,self-employment tax,tax credits,tax deductions,tax filing tips,tax planning,wealth management,wealth succession planningfalse327fullhttps://www.spreaker.com/episode/326-learn-to-market-yourself-and-your-skills-in-2021-and-beyond--75648145e5984988-9ae5-49ad-9305-8f96fc12f260Sat, 29 May 2021 20:00:00 +0000vasderYour skills can't sell themselves—and neither can a résumé alone. Brad and Jonathan dismantle outdated job-search tactics and show why identifying your "talent stack"—the unique combination of experiences that make you valuable—matters more than ever....2953earning more,financial advisors,fintech softwarefalse326fullhttps://www.spreaker.com/episode/325-teaching-kids-about-money-credibility-boundaries-and-allowances--756483108768f537-e980-4c32-ac01-44110391072cFri, 28 May 2021 01:00:00 +0000vasderYour kids won't remember another Netflix binge — they'll remember the Saturday you taught them to ride bikes, made pancakes together, or built a backyard fort. Jonathan and Brad tackle an overlooked truth about family life: the most memorable moments...2903insurance,investing,investment strategies,life insurancefalse325fullhttps://www.spreaker.com/episode/324-understanding-the-different-stages-of-financial-independence--7564837674afd778-77e0-4da1-953e-4921739953b9Mon, 24 May 2021 01:00:00 +0000vasderMost people drift through their finances on autopilot until something forces them to wake up. Jonathan and Brad map the journey from that first "hair on fire" moment of financial awareness through specific milestones that turn abstract goals into...3911fi fundamentals,market trend analysis,market volatility,real estate market trends,retirement age planning,retirement planning,stock market analysisfalse324fullhttps://www.spreaker.com/episode/323-cryptocurrency-pump-and-dump-schemes-explained--756482218db6ea61-3855-4f1a-85cf-baaf8639a5beFri, 21 May 2021 01:00:00 +0000vasderCryptocurrency is not the casino you think it is — it's far more dangerous because it feels legitimate. Brad and Jonathan explore pump and dump schemes through the cryptocurrency lens, dissecting the psychological forces that drive irrational investor...3895growth investing,investing,investing 101,investment strategies,saving vs. investing,tax-advantaged investing,value investing,wealth managementfalse323fullhttps://www.spreaker.com/episode/financially-bulletproof-in-a-pandemic--756482245a78c938-3db0-47dd-998b-95e54485c2a5Mon, 17 May 2021 01:00:00 +0000vasderMost people wait until a crisis to rethink their finances. Dennison's pandemic disruption forced him to rebuild from scratch—and what he discovered changed everything. When his plans fell apart, he learned that the real path to financial independence...2628investing,stock market analysis,stock valuation techniquesfalse322fullhttps://www.spreaker.com/episode/320-how-work-stress-impacts-financial-independence-goals--75648215edcc08dc-2b9e-4d9a-8429-22439c148ea3Mon, 10 May 2021 01:00:00 +0000vasderThe pandemic forced millions to confront a question they'd been avoiding: Why am I doing this? For many high earners on the path to financial independence, the answer suddenly became uncomfortably vague. Jonathan and Brad explore how the past year's...2617entrepreneurship,money mindset,personal growthfalse320fullhttps://www.spreaker.com/episode/319-make-your-kid-a-millionaire--75648217863e1126-815a-4632-9ec9-5a8325a107aaFri, 07 May 2021 01:00:00 +0000vasderA single Roth IRA contribution made when your child is young could grow to over a million dollars by the time they retire. That's the power of time and compounding working together—and it costs far less than you'd think. Equipping children with...2523insurance,kids & family finance,life insurancefalse319fullhttps://www.spreaker.com/episode/318-100-ways-to-get-1-better--75648186401166f2-da61-4bd7-8bd5-b88bdd1fda67Mon, 03 May 2021 01:00:00 +0000vasderA single $2 decision at dinnertime might be costing you financial independence. In episode 318, Brad and Jonathan demonstrate how dozens of seemingly minor optimizations—from digital billing to library cards to meal planning—compound into...3472fi fundamentals,hsa,retirement age planning,retirement planningfalse318fullhttps://www.spreaker.com/episode/all-the-hacks-chris-hutchins--756481904aa55a20-c708-4844-9e94-f803aaa55897Thu, 29 Apr 2021 20:00:00 +0000vasderMost people stop hunting for life hacks when kids arrive—Chris Hutchins doubled down by launching an entire podcast about them. The "All The Hacks" founder joins Brad and Jonathan to share the optimization strategies that save time, money, and mental...4506cryptocurrency,lifestyle design,market volatility,productivity,task management,todoistfalse317fullhttps://www.spreaker.com/episode/is-your-pension-healthy--756483493a35d6d2-6685-4a63-9e22-897d4cf5bdd9Mon, 26 Apr 2021 01:00:00 +0000vasderMost pension advice focuses on contribution rates and vesting schedules — but what if you're looking at the wrong metrics? For Troy and Lindsay, measuring the true health of Lindsay's Virginia Retirement System pension meant examining funding ratios,...3058financial mindset,frugality,health insurance,house hacking,insurance,investing,personal financial healthfalse316fullhttps://www.spreaker.com/episode/315-is-this-the-golden-age-of-investing-why-it-s-never-been-easier-to-build-wealth--75648336c83026ed-2630-424a-81e3-3701b32c5f55Fri, 23 Apr 2021 01:00:00 +0000vasderToday's investment options would have been unimaginable just a few decades ago — when actively managed funds charged 3% fees and you paid $100 per trade. Brad and Jonathan dissect what it actually means to live in investing's "golden age," examining...4235career transition,growth investing,investing,investing 101,investment strategies,meaningful living,retirement age planning,retirement planning,saving vs. investing,tax-advantaged investing,value investing,wealth management,work-life balancefalse315fullhttps://www.spreaker.com/episode/is-my-company-s-stock-overpriced-p-e-ratio-explained--7564815619ff7a12-9d79-4ecc-8221-37c463fb82c7Mon, 19 Apr 2021 01:00:00 +0000vasderYour paycheck already has concentration risk — why compound it with your investments? Christy participates in her company's Employee Stock Purchase Plan, buying shares at a 15% discount, but wonders whether to hold them long-term or sell immediately....2221debt management,debt-to-income ratio,family budgeting,financial goal setting,insurance explained,investing,roth ira,stock market analysis,stock valuation techniquesfalse314fullhttps://www.spreaker.com/episode/313-portfolio-diversification-are-you-really-protected--75648163b9b34bc7-a449-49f8-a8e2-53be3c5f11e1Fri, 16 Apr 2021 01:00:00 +0000vasderRay Dalio calls holding just 15 uncorrelated assets "the Holy Grail of investing" — yet most portfolios contain hundreds of correlated bets masquerading as diversification. Jonathan Mendonsa and Brad Barrett team up with Frank Vasquez from Risk Parity...4041budgeting,financial mindset,investing,personal growthfalse313fullhttps://www.spreaker.com/episode/312-first-time-home-buyer-s-guide-what-to-know-before-you-buy--75648244ea9392a3-0424-494a-ac04-5a8f68ecf609Mon, 12 Apr 2021 01:00:00 +0000vasderMost homeowners believe their house is an investment—but what if it's actually one of your largest recurring expenses? Brad and Jonathan sit down with Scott Trench and Mindy Jensen from BiggerPockets to reframe the conversation around first-time home...3414budgeting,home buying,irs audits,real estate,savings first,tax planningfalse312fullhttps://www.spreaker.com/episode/getting-good-with-money-with-tiffany-alicia--7564839547fb0b38-5271-4eef-a381-fb0561339024Sat, 03 Apr 2021 20:00:00 +0000vasderMost people think budgets are about saying no to what they want. Tiffany Aliche, the Budgetnista, is here to flip that script entirely. In this conversation about her book Get Good with Money, she introduces the concept of financial wholeness — a...2636401(k) strategies,capital gains harvesting,capital gains tax,health insurance,investment strategies,retirement tax planning,self-employment tax,spending smarter,tax brackets,tax credits,tax deductions,tax filing tips,tax planningfalse310fullhttps://www.spreaker.com/episode/college-hacking-the-comprehensive-guide-stereo-live-q-a--7564825058aaa3e7-816c-4055-a056-1b0e8de00e04Fri, 02 Apr 2021 01:00:00 +0000vasderThe typical college degree now costs $110,000-$120,000—yet first-year salaries average just $50,000. That math hasn't worked for a decade. Brad and Jonathan unpack whether college is still a wise investment or if alternative paths like dual...4509health insurance,house hacking,insurance,kids & family finance,personal financial healthfalse309fullhttps://www.spreaker.com/episode/102-business-ideas-for-kids-simple-startup-with-arianna-and-sheila--7564817370d4c3a1-979f-488e-b13a-18c6e86c8a06Mon, 29 Mar 2021 01:00:00 +0000vasderMost kids dream up wild business ideas in the shower — then let them evaporate just as quickly. Rob Thielen, founder of The Simple Startup, has coached hundreds of young entrepreneurs to actually launch, and he's distilled the process into a framework...2754growth investing,investing 101,investment strategies,kids & family finance,retirement age planning,retirement planning,saving vs. investing,tax-advantaged investing,value investing,wealth managementfalse308fullhttps://www.spreaker.com/episode/how-to-factor-my-mortgage-into-my-fi-number-live-stereo-q-a--75648248c7e0bbc4-d911-4b96-9153-efe514f9413fFri, 26 Mar 2021 01:00:00 +0000vasderThe job market has fundamentally changed, and what worked in 1990 will waste your time today. Jonathan and Brad break down how to adapt your job search strategy in an economy that no longer rewards resume submissions. They cover the Chase Sapphire...4521community,credit cards,debt management,debt-to-income ratio,insurance explained,mortgage loans,mortgage refinancing,retirement age planning,retirement planning,stock market analysis,stock valuation techniquesfalse307fullhttps://www.spreaker.com/episode/myths-and-misconceptions-diania-merriam--75648256a83ef7f9-85aa-4b71-bdde-32a7d60e4d5fMon, 22 Mar 2021 01:00:00 +0000vasderFinancial independence is actually easier to achieve than most people think — but it's also wildly misunderstood. Diana Merriam returns to dismantle the most persistent myths about the FIRE movement: that it's only for tech workers making six figures,...2722asset allocation,investment strategies,money mindset,passive income,risk managementfalse306fullhttps://www.spreaker.com/episode/finding-your-locus-of-control-stereo-live-q-a--75648400295e623f-df7a-4aa7-8e70-b4e93b2def25Fri, 19 Mar 2021 01:00:00 +0000vasderYou wake up every morning, drink coffee, check your bank balance, and feel fine. But what if "fine" is costing you years of your life? In this pandemic-era interactive session, Brad and Jonathan tackle listener questions on everything from sneaky...4406budgeting,home buying,irs audits,money mindset,savings first,tax planningfalse305fullhttps://www.spreaker.com/episode/structuring-your-emergency-fund-stereo-live-q-a--75648255126daefb-5617-45ff-91a9-0db727a23477Fri, 12 Mar 2021 01:00:00 +0000vasderIn a world where interest rates hover near zero, every dollar in your emergency fund loses purchasing power daily — yet pulling it out could leave you vulnerable to the next crisis. Brad and Jonathan tackle this financial tightrope and the art of...3952emergency funds,entrepreneurship,fi fundamentals,personal financial healthfalse303fullhttps://www.spreaker.com/episode/301-money-and-relationships-part-2-communication-and-compromise--7564830710bcfe2f-e3f0-4235-abd5-2ab4ab7b144eFri, 05 Mar 2021 01:00:00 +0000vasderYour partner says you can't afford to retire early—but they're still spending $200 on brunch every weekend. Jonathan Mendonsa and Brad Barrett continue their relationships and money series with Jillian Johnsrud, tackling the financial conflicts that...3035financial mindset,money mindset,personal financial health,retirement fundamentals,savings moneyfalse301fullhttps://www.spreaker.com/episode/299-what-s-stopping-you-from-reaching-financial-independence--75648197df33477e-ed54-4ac0-a798-fb316b144b11Fri, 26 Feb 2021 01:00:00 +0000vasderMost people know they should invest, but they freeze when staring at $6,000 in savings, unsure whether to pay down debt, bulk up emergency funds, or finally open that brokerage account. Brad Barrett and Jonathan Mendonsa tackle this exact paralysis in...4570budgeting,debt management,financial goal setting,financial mindset,money mindsetfalse299fullhttps://www.spreaker.com/episode/298-daily-habits-that-build-long-term-wealth--75648519ff45592f-72bc-44ec-ae2a-cfe0a5f9b296Mon, 22 Feb 2021 01:00:00 +0000vasderMost people think wealth building requires a six-figure income or a finance degree. Julian and Kirsten from Rich and Regular prove otherwise — their approach centers on habits, community, and the creativity of financial independence rather than raw...5351commercial real estate,home buying,money mindset,productivity,property management,task managementfalse298fullhttps://www.spreaker.com/episode/from-pandemic-layoff-to-100k-a-salesforce-success-story--75648273981ddc9a-760f-4f48-b1da-5111546be1faFri, 19 Feb 2021 01:00:00 +0000vasderA furloughed hospitality worker landed a high-paying Salesforce role within months—with zero tech background. Anita's career pivot started during the pandemic lockdown, when she turned to online resources and the Talent Stacker program to retrain...3434early retirement,lifestyle design,minimalism,money management,spendingfalse297fullhttps://www.spreaker.com/episode/296-transition-planning-from-a-military-career-on-the-path-to-fi--75648650bb9a3907-0222-4172-a36d-d93b2d7c6658Mon, 15 Feb 2021 01:00:00 +0000vasderMilitary pensions act as lottery tickets for retirement—but only if you understand how to use them effectively while you're still in service. Matt and Megan, a dual military couple navigating their careers alongside financial independence, sit down...6101careers,estate tax planning,fi fundamentals,financial planning for familie,house hacking,insurance,long-term care insurance,retirement age planning,retirement planning,retirement tax planning,tax planning,wealth management,wealth succession planningfalse296fullhttps://www.spreaker.com/episode/295-rethinking-your-emergency-fund-strategy--75648198566aa64c-0a18-4eba-8d91-74690c633e35Fri, 12 Feb 2021 01:00:00 +0000vasderMost people sit on piles of cash "for emergencies" while inflation slowly erodes its value — but what if that safety net is actually costing you money? Brad and Jonathan challenge the sacred rule of keeping 3–6 months of expenses in cash, examining...3339fi fundamentals,financial advisors,life after fi,safe withdrawal ratefalse295fullhttps://www.spreaker.com/episode/293-gamestop-understanding-short-squeezes-and-market-psychology--75648631846eae51-9e77-4aa3-a741-4aef419a07a6Fri, 05 Feb 2021 01:30:00 +0000vasderA Reddit mob sent GameStop's stock soaring by 1,700% in two weeks, bankrupting billion-dollar hedge funds in the process. But here's what most coverage missed: this wasn't just a meme stock frenzy — it was a masterclass in how market mechanics break...3968entrepreneurship,investingfalse293fullhttps://www.spreaker.com/episode/the-complexity-in-simplicity-at-m1-brian-barnes--75648293e40ab0c4-2bd9-4966-b822-229c7254a0f7Sun, 31 Jan 2021 19:00:00 +0000vasderM1 Finance's "pie" interface looks gimmicky until you understand what it actually does: build a perfectly rebalanced portfolio while harvesting tax losses in the background, automatically, with every dollar you deposit. Brian Barnes didn't set out to...3861debt management,early retirement,financial planning,investing,wealth managementfalse292fullhttps://www.spreaker.com/episode/291-lessons-learned-from-four-years-of-financial-independence-podcasting--756481919d0008d9-cab9-45e9-b586-8b6251bba8c5Fri, 29 Jan 2021 01:00:00 +0000vasderHalf a percent sounds trivial until you realize it could mean an extra million dollars in your pocket over a lifetime of investing. After four years of podcasting about financial independence, Jonathan and Brad reflect on the lessons that moved the...3574emergency funds,fi fundamentals,personal financial healthfalse291fullhttps://www.spreaker.com/episode/290-target-date-funds-and-retirement-investment-strategies--756486290fbc5777-823a-4c3c-9b4f-deaad1594026Mon, 25 Jan 2021 01:00:00 +0000vasderMost investors chase last year's winners, but what if a more boring portfolio could mean millions more at retirement? Paul Merriman returns to break down his new book, "We're Talking Millions," where he simplifies decades of research into a single...3736budgeting,community building,investing,military benefits,personal growthfalse290fullhttps://www.spreaker.com/episode/the-roth-401k-and-meal-planning-made-easy--756486113a3abacf-2696-45d8-a90a-f30758122da0Fri, 22 Jan 2021 01:00:00 +0000vasderMost people think paying taxes now sounds like a terrible deal — but here's the counterintuitive truth: locking in today's low tax rate via a Roth 401(k) might save you thousands when you're older and wealthier. Brad and Jonathan tackle two seemingly...3523habits,minimalism,tax strategiesfalse289fullhttps://www.spreaker.com/episode/288-mad-fientist-on-mastery-and-creativity-post-fi--756482891f7481fb-483b-4d9d-8c89-cb90518e085dMon, 18 Jan 2021 01:00:00 +0000vasderMost people who reach financial independence think they've crossed the finish line—Brandon discovered he'd been running the wrong race entirely. After years of sprinting toward FI, convinced it would unlock his dream of making music, he hit his number...4034career transition,earning more,income generation,upskillingfalse288fullhttps://www.spreaker.com/episode/287-creating-an-intentional-financial-life--756482051f15e38b-8c97-4cac-8303-6b8d36639ba8Fri, 15 Jan 2021 01:00:00 +0000vasderMost New Year's resolutions fail because they're vague wishes, not systems. Brad and Dominick break down what actually works when you're trying to change your life at the start of a new year — and it's not about setting better goals. They discuss...3047emergency funds,fi fundamentals,healthcare in retirement,investing 101false287fullhttps://www.spreaker.com/episode/286-diversifying-income-streams-and-side-hustles--75648494b5f76c39-1c2d-4ded-b9fa-dbe00050746fMon, 11 Jan 2021 01:00:00 +0000vasderTwo layoffs in "safe" industries taught Daniella that job security is an illusion. After losing positions in retail IT and web development, she stopped waiting for stability to find her and started building it herself—through freelancing, talent...2345earning more,entrepreneurship,financial mindsetfalse286fullhttps://www.spreaker.com/episode/284-the-simple-path-to-wealth-jl-collins-on-index-fund-investing--75648223f0b01579-21da-401d-87fa-1bcd18d2459fSun, 03 Jan 2021 19:00:00 +0000vasderYour investment returns aren't suffering because your strategy is too simple—they're suffering because it's too complicated. Jl Collins, whose book The Simple Path to Wealth has sold hundreds of thousands of copies on zero marketing budget (every sale...4306debt management,debt-to-income ratio,house hacking,investing,wealth management,wealth preservation,wealth succession planningfalse284fullhttps://www.spreaker.com/episode/the-debt-free-guys--75648330b311d816-5ff4-4f7d-9c32-8e79219b531aMon, 21 Dec 2020 01:00:00 +0000vasderJohn Schneider and David Auten were working in financial services, helping clients manage money and plan for retirement — all while drowning in $51,000 of credit card debt themselves. Their story challenges the assumption that financial expertise...3124happiness,lifestyle design,personal growthfalse280fullhttps://www.spreaker.com/episode/be-wise-your-financial-future-is-at-stake-dan-otter--75648216a1fe61dd-42fd-4bb5-9ffc-ab94ab472694Fri, 18 Dec 2020 01:00:00 +0000vasderMost teachers discover they've lost hundreds of thousands in retirement savings only after it's too late to recover them. The culprit? Hidden 403(b) fees that can silently drain 1.25% to 3% of their nest egg annually — compounding to devastating...2387community building,goal achievement,habits,lifestyle design,meaningful living,self reflectionfalse279fullhttps://www.spreaker.com/episode/retire-early-for-you--75648603cd87eec8-f451-4ebd-acde-5e5a327cbaf8Mon, 14 Dec 2020 01:00:00 +0000vasderMost people spend decades chasing the appearance of wealth instead of building actual wealth. Amy Blacklock thought she was doing everything right—good job, nice house, keeping up with the neighbors—until a wake-up call in her early forties revealed...2731entrepreneurship,lifestyle design,networkingfalse278fullhttps://www.spreaker.com/episode/277-how-to-rebalance-your-investment-portfolio--75648253f90d19ee-ea9e-4a5c-bc5a-9c6c97dd7b3dFri, 11 Dec 2020 01:00:00 +0000vasderTen burpees a day could change your life—not because burpees are magic, but because you'd be someone who does hard things daily. Brad and Jonathan expand this idea from fitness into your investment portfolio, exploring why your strategy needs regular...3630budgeting,index funds,investing,investment strategiesfalse277fullhttps://www.spreaker.com/episode/276-how-to-set-up-your-financial-life-investing-for-beginners--7564864947d53683-6a55-4850-b963-7941a3bd6241Mon, 07 Dec 2020 01:00:00 +0000vasderMost people stumble into their financial setup by copying what their parents did or following advice from the nearest coworker—not exactly a recipe for optimizing your money. Brad and Jonathan lay out a more strategic approach to building the...3143investing,personal growthfalse276fullhttps://www.spreaker.com/episode/275-war-gaming-your-finances-stress-testing-your-financial-plan--75648261d0a4cb29-b264-4d7b-b7d7-614147e0eb07Fri, 04 Dec 2020 01:00:00 +0000vasderMost people think their risk tolerance is fixed — until their portfolio drops 30% and they realize they had no idea what they were actually comfortable losing. Understanding your financial risk tolerance and re-evaluating your investment strategy are...3094lifestyle design,personal financial health,savings moneyfalse275fullhttps://www.spreaker.com/episode/274-year-end-tax-planning-strategies-with-sean-mullaney--756486983c85dccf-d59c-4fe5-8b5b-a6478d26132fMon, 30 Nov 2020 01:00:00 +0000vasder2020 brought lower incomes for millions — but that also created a rare window for tax-savvy Roth conversions at historically low rates. Brad and Jonathan team up with tax expert Sean Mulaney to break down the year-end tax strategies that can save you...3239capital gains tax,estate tax planning,financial mindset,financial planning for familie,negotiation,retirement age planning,retirement planning,retirement tax planning,roth ira,self-employment tax,tax credits,tax deductions,tax filing tips,tax planning,tax strategies,wealth management,wealth succession planningfalse274fullhttps://www.spreaker.com/episode/273-using-emergency-funds-and-roth-iras-for-financial-emergencies--756483548079abb5-0f1d-4169-9254-ba200901eb93Fri, 27 Nov 2020 01:00:00 +0000vasderMost people think a Roth IRA is just for retirement—but what if you could access the money right now, tax-free? Brad and Jonathan team up with tax expert Sean Malaney to explore how the Roth IRA functions as both a retirement vehicle and a flexible...2912careers,emergency funds,estate tax planning,fi fundamentals,financial planning for familie,insurance,long-term care insurance,personal financial health,retirement age planning,retirement planning,retirement tax planning,tax planning,wealth management,wealth succession planningfalse273fullhttps://www.spreaker.com/episode/272-understanding-compound-interest-and-investing-for-beginners--75648686cc4683f9-73d6-4924-9fd5-ff09e0a00c7bMon, 23 Nov 2020 01:00:00 +0000vasderA $1,000 investment earning 10% can either make you $5,500 or $72,890 over 45 years — the only difference is whether you understand compound interest. Brad and Jonathan tackle one of the most fundamental concepts in personal finance, breaking down why...2351accountability,debt management,entrepreneurship,investingfalse272fullhttps://www.spreaker.com/episode/271-future-proofing-your-skillset-and-teaching-kids-entrepreneurship--7564853237b09e08-051e-4bc6-9c60-db1c61267b89Fri, 20 Nov 2020 01:00:00 +0000vasderNine-year-old Annalise runs her own business, Creative Card Designs, navigating pricing decisions, marketing strategies, and business model pivots—skills most adults struggle with. Future-proofing isn't just about preparing for an uncertain world;...4036debt management,goal achievement,money management,money mindsetfalse271fullhttps://www.spreaker.com/episode/designing-your-year-for-2021-dominick-quartuccio--7564842523c17426-6a64-4d60-85d6-f6ae9660f3b9Mon, 16 Nov 2020 01:00:00 +0000vasderMost people think they're living intentionally — then they realize 80% of their time is spent on things that don't move them forward. Dominick Quartuccio returns to help listeners turn 2020's lessons into fuel for genuine change in 2021. Instead of...3153debt management,frugality,lifestyle designfalse270fullhttps://www.spreaker.com/episode/we-want-guac-financial-independence-for-gen-z--75648280d62bf684-2a78-4206-aacd-3d86865a887bMon, 09 Nov 2020 01:00:00 +0000vasderAt 26, Amy had $150,000 to her name — despite starting at just $15 an hour through a temp agency. Her secret wasn't luck or a trust fund. It was treating her twenties like a launchpad instead of a waiting room. Amy shares how she tripled her salary to...2914financial mindset,frugality,investingfalse268fullhttps://www.spreaker.com/episode/alligators-kittens-and-market-timing-around-the-election--756483290366540f-3b55-40d6-bf85-1f8ec1345b53Fri, 06 Nov 2020 01:00:00 +0000vasderYou can't predict the stock market's next move, but you can control what drowns out your peace of mind. Brad and Jonathan tackle multiple listener questions about staying sane during volatile times — from election anxiety to the temptation of market...2827budgeting basics,fi fundamentals,investment strategies,market trend analysis,market volatility,real estate market trends,stock market analysisfalse267fullhttps://www.spreaker.com/episode/breaking-the-cycle-of-poverty--7564820899c64212-523d-4efb-bb72-dbec8227431eMon, 02 Nov 2020 01:00:00 +0000vasderA Brown University graduate with over $21,000 in credit card debt—this isn't a cautionary tale about bad decisions, it's a story about a system that never taught her how money actually works. Yanelli, known as Miss Be Helpful, grew up in a low-income...3209money mindset,wealth management,wealth preservation,wealth succession planningfalse266fullhttps://www.spreaker.com/episode/265-how-to-build-a-talent-stack-for-career-growth--756483111dd2d24f-c533-49bd-844c-b296cf32a222Fri, 30 Oct 2020 01:00:00 +0000vasderMost people think financial independence means doing less work—but what if it's actually about doing more of what energizes you? Brad and Jonathan challenge that assumption by exploring how aligning your career with your passions creates both...3081earning more,investment strategies,market volatility,risk managementfalse265fullhttps://www.spreaker.com/episode/recognizing-scarcity-and-uncertainty-leisa-peterson--756486093ed84ccf-151b-4de9-bfb5-ef257dd9671fSat, 24 Oct 2020 20:00:00 +0000vasderYou might think money problems stem from poor decisions — but Lisa Peterson's research points to a different culprit: what happened to you as a child. Lisa Peterson, author of The Mindful Millionaire, reveals how the CDC Kaiser ACEs study connected...2358budgeting,financial mindset,insurance,investment strategies,lifestyle design,pet insurance,risk managementfalse264fullhttps://www.spreaker.com/episode/263-accountability-and-decision-making--7564867009e11296-be9f-4d48-94d5-dcf222cbd729Fri, 23 Oct 2020 01:00:00 +0000vasderMost people who lose weight gain it back within months—yet Jonathan has kept 25 pounds off for half a year. The difference wasn't a diet plan or workout program. It was accountability. Jonathan explains how regular check-ins with friends and family...2806capital gains tax,estate tax planning,financial planning for familie,money mindset,retirement age planning,retirement planning,retirement tax planning,self-employment tax,tax credits,tax deductions,tax filing tips,tax planning,wealth management,wealth succession planningfalse263fullhttps://www.spreaker.com/episode/how-to-decide-with-annie-duke--756483323254559d-34ca-4208-8ed3-e9c9c0cabb6cMon, 19 Oct 2020 01:00:00 +0000vasderMost people judge their decisions by how they turn out — but what if that's exactly backwards? World champion poker player Annie Duke argues that focusing on outcomes instead of process is one of our biggest decision-making mistakes. When outcomes...4039emergency funds,fi fundamentals,personal financial healthfalse262fullhttps://www.spreaker.com/episode/nothing-gold-can-stay-brad-s-carvana-experience-what-is-a-heloc--756483415d0a3d26-a843-4f4e-91d9-c68d94c3b90dFri, 16 Oct 2020 01:00:00 +0000vasderYou just spent three weeks trying to convince yourself not to sell the car your daughter was terrified would break down. Sound familiar? Financial independence isn't just a target number in a spreadsheet—it's knowing when holding onto something...2967investing,market trend analysis,market volatility,real estate market trends,stock market analysisfalse261fullhttps://www.spreaker.com/episode/what-s-your-survival-number-with-jully-alma-taveras--756483430a6eeebf-1863-4008-8ed0-8c4e8fc7a191Mon, 12 Oct 2020 01:00:00 +0000vasderMost immigrants retire early — they just don't do it through index funds. Julie Alma Tavares, a Dominican immigrant who once buried herself in consumer debt working in fashion, discovered this firsthand. After a health crisis involving her father...2653credit card debt,money mindset,personal finance for studentsfalse260fullhttps://www.spreaker.com/episode/258-back-to-basics-part-2-the-income-side-of-the-equation--756483310d275cbd-43d9-48aa-beb5-f1cae42327e0Mon, 05 Oct 2020 01:00:00 +0000vasderMost people earning six figures still feel trapped paycheck to paycheck—here's the mathematical escape route they're missing. Anyone serious about leaving the 9-to-5 grind needs a concrete target, not vague retirement dreams. The hosts break down the...2419accountability,budgeting,budgeting basics,community building,goal achievement,irregular income budgeting,money mindsetfalse258fullhttps://www.spreaker.com/episode/257-health-savings-accounts-the-ultimate-guide-to-hsas--75648684083efcf9-5a5f-48dd-8b61-cb92007f77acFri, 02 Oct 2020 01:00:00 +0000vasderYour spouse maxes out their HSA for years, the funds compound tax-free, and then you need cash for actual medical bills — what could go wrong? Turns out, plenty. This episode explores practical strategies for navigating Health Savings Accounts...3163budgeting basics,entrepreneurial finance,hsa,money mindset,money psychology,self reflectionfalse257fullhttps://www.spreaker.com/episode/double-your-income-by-flipping-the-second-hand-market-with-flea-market-flippers--756487109bc51a76-56d0-48ab-86f5-9e4c51c424eeMon, 28 Sep 2020 01:00:00 +0000vasderRobin and Melissa Steffensen turned a $200 flea market find into a $2,800 sale in under two weeks — and they've built a six-figure business doing it. The Flea Market Flippers have mastered the art of spotting undervalued items at flea markets and...2266budgeting,emergency funds,irregular income budgeting,market trend analysis,market volatility,money management,real estate market trends,spending smarter,stock market analysisfalse256fullhttps://www.spreaker.com/episode/254-how-to-create-minimum-viable-income-as-an-entrepreneur--756483653952a22a-98af-4933-a0e6-f101fcbdb942Mon, 21 Sep 2020 01:00:00 +0000vasderMost entrepreneurs fixate on funding, growth targets, and exit strategies — but what if the real goal is designing a life that doesn't need an exit? Corbett Farr learned this the hard way after his venture-backed startup collapsed in 2008, forcing him...2570401(k) strategies,expense tracking,hsa,insurance,investing,investment strategies,life insurance,retirement lifestyle,retirement planningfalse254fullhttps://www.spreaker.com/episode/253-financial-independence-basics-for-beginners--75648589fc635065-15a7-457a-be67-0751ebd09311Fri, 18 Sep 2020 01:00:00 +0000vasderMost people think financial independence is just a number in a spreadsheet. Brad and Jonathan show why that mindset keeps people trapped on the hamster wheel—and what to focus on instead. This episode strips away the noise around FI to reveal what...3381budgeting,budgeting basics,earning more,irregular income budgetingfalse253fullhttps://www.spreaker.com/episode/252-rebuilding-your-financial-life-after-crisis--7564855659a1f208-d44c-4bdf-8fa0-f1a27131a480Mon, 14 Sep 2020 01:00:00 +0000vasderDivorce didn't ruin Julia Harder's finances — it saved them. After years of watching her natural saver instincts clash with a spouse's reckless spending, Julia found herself starting over. What followed wasn't just financial recovery; it was a...3222budgeting basics,fi fundamentals,insurance,life insurancefalse252fullhttps://www.spreaker.com/episode/money-lessons-from-my-grandparents--7564840866e73d44-71cd-4987-a7e4-c4e561549f02Mon, 07 Sep 2020 01:00:00 +0000vasderMost people worry about being the first in their family to achieve financial independence — Anne Zanka's grandparents built it during the Great Depression and passed down something more valuable than money. Anne shares how her grandparents, who...2488insurance,life insurance,money mindset,personal financial health,savings moneyfalse250fullhttps://www.spreaker.com/episode/you-are-more-than-your-financial-capital-laura-oldanie--75648203237dfd23-6aba-4be2-9063-cf3a5ea18b5dMon, 31 Aug 2020 01:00:00 +0000vasderMost people pursuing financial independence fixate on one type of capital — the financial kind — while seven other forms sit untapped and undervalued. Laura Aldani from Rich and Resilient Living joins Brad and Jonathan to flip that script, explaining...2851capital gains tax,career transition,earning more,income generation,tax planning,work-life balancefalse248fullhttps://www.spreaker.com/episode/overcoming-and-battling-financial-abuse--75648207fece66e4-79f3-4136-88d4-1f6993b0c12aMon, 24 Aug 2020 01:00:00 +0000vasderYou're not paranoid if someone really is controlling your money. That gut feeling you've been ignoring? It might be your most reliable data point. Financial abuse doesn't announce itself with a dramatic confrontation—it creeps in slowly, decision by...3003community building,debt management,money management,money mindsetfalse246fullhttps://www.spreaker.com/episode/from-financial-imperfection-to-america-s-favorite-budget-expert-tiffany-aliche--756484803a4a42e6-0cbf-46c8-adb7-131d7b9e3d9fMon, 03 Aug 2020 01:00:00 +0000vasderTiffany Aliche had her financial life perfectly on track — until she didn't. In just five years, a string of poor choices and scams obliterated the foundation her father had helped her build. But instead of hiding in shame, she turned her wreckage...4257budgeting,financial mindset,financial planning,money mindset,relationships,zero-based budgetfalse240fullhttps://www.spreaker.com/episode/239-future-proofing-your-career-in-the-new-economy--7564838613459f37-5b78-4e8f-ad27-df6f8397c543Fri, 31 Jul 2020 01:00:00 +0000vasderA traditional four-year degree might cost you $100,000 and four years of your life—but Google just announced they'll treat their new six-month online certificates as equivalent to a college degree for hiring purposes. The career landscape is shifting...2731capital gains tax,estate tax planning,house hacking,productivity,retirement tax planning,self-employment tax,task management,tax credits,tax deductions,tax filing tips,tax planning,tax strategies,todoistfalse239fullhttps://www.spreaker.com/episode/238-how-to-test-out-of-college-while-you-re-still-in-high-school--75648470105606ae-cb4a-469e-9671-b4553bef47b4Mon, 27 Jul 2020 01:00:00 +0000vasderMost students spend four years and $40,000+ on their first two years of college. Jerry Born spent 59 days and $30. This deep-dive unpacks exactly how he did it — and how you can replicate parts of his strategy. Jerry walks through the mechanics of...3511debt management,debt-to-income ratio,kids & family financefalse238fullhttps://www.spreaker.com/episode/237-how-to-build-your-talent-stack-for-career-growth--756482138809b38b-759d-47ee-8daa-475ffc495d27Fri, 24 Jul 2020 01:00:00 +0000vasderMost people think they need to be world-class at one thing to succeed. But here's what actually creates opportunity: combining skills you're merely good at in ways no one else has. This approach to personal growth—called talent stacking—turns ordinary...2716accountability,fi fundamentals,financial habits,financial wellness,fire movement,money psychologyfalse237fullhttps://www.spreaker.com/episode/236-the-intersection-of-fitness-and-financial-independence--756485546e531232-9b52-462a-bb34-22cfc799449dWed, 22 Jul 2020 01:00:00 +0000vasderThe skills that build wealth are the same skills that build health. Both require replacing unconscious bad habits with intentional good ones, both reward long-term thinking over quick fixes, and both demand you recognize the triggers that derail you....2983house hacking,spending smarterfalse236fullhttps://www.spreaker.com/episode/what-is-in-the-index-and-q-a-with-jl-collins--7564840906bedfca-0a63-4c69-ace6-a64bbc4eb178Fri, 17 Jul 2020 01:00:00 +0000vasderThe Barrett kids turned their Lego hobby into an eBay business—and discovered market inefficiency before they could spell it. When buyers overpay for certain figurines while undervaluing others, that's not just a kid's pricing mistake; it's the...3340career growth,community building,earning more,entrepreneurship,index funds,investment strategies,upskillingfalse234fullhttps://www.spreaker.com/episode/233-how-to-build-your-network-networking-strategies-for-success--75648618d8593996-3cc1-4e73-aa04-be2330ae7346Wed, 15 Jul 2020 01:00:00 +0000vasderMost people treat networking like a last-minute scramble — reaching out only when they need something. Jordan Harbinger, who spent a decade building one of the world's largest podcasts, argues that's exactly backward. Networking isn't about collecting...4191earning more,net worth,personal finance for students,personal financial healthfalse233fullhttps://www.spreaker.com/episode/232-raising-your-money-savvy-family-for-next-generation-financial-independence--75648220f35b4a93-8c5e-4cdb-a77f-bb1aa2e42482Mon, 13 Jul 2020 01:00:00 +0000vasderMost parents spend years teaching kids to clean their room but never explain how money actually works. Doug and Carol Nordman discovered a better approach through trial, error, and honest conversation — and the insights from raising a financially...3980budgeting,career growth,debt management,debt-to-income ratio,earning more,family budgeting,personal financial health,personal growth,savings money,self reflection,soft skillsfalse232fullhttps://www.spreaker.com/episode/231-budget-meal-planning-and-creative-cooking-tips--75648643adce8ab5-9902-42f5-8b44-77ef9db2e0faFri, 10 Jul 2020 01:00:00 +0000vasderMost people think casseroles are just a way to disguise food you're trying to get rid of. Brad and Jonathan flip that assumption, showing how a simple framework—protein, starch, vegetable, binder—turns random leftovers into intentional meals that cut...3005financial mindset,habits,health & wellness,healthy livingfalse231fullhttps://www.spreaker.com/episode/230-college-hacks-from-the-choosefi-community--7564823360e28381-8ee8-4917-9b6f-0bba189c8517Wed, 08 Jul 2020 01:00:00 +0000vasderTrading four years of student loan debt for a decade of repayment might be the worst financial decision many Americans make—yet most accept it as inevitable. Listener-submitted strategies reveal dozens of ways to sidestep this trap entirely, from...3358building credit score,credit,earning morefalse230fullhttps://www.spreaker.com/episode/229-how-financial-independence-helps-you-manage-stress--75648516f07e6712-b5dc-42ae-8cb0-334f440a0a38Mon, 06 Jul 2020 01:00:00 +0000vasderMost people chasing financial independence fixate on the finish line—but what if you're already closer to freedom than you think? Jessica and Corey from the Fioneers, alongside Dominick Quartuccio, unpack Coast FI and Slow FI: two frameworks that turn...2814debt management,index funds,investing,investment strategies,personal loansfalse229fullhttps://www.spreaker.com/episode/228-overcoming-the-debilitating-fear-of-public-speaking--756482458de24a78-b2e7-43c6-a5ed-528b7925c5ffFri, 03 Jul 2020 01:00:00 +0000vasderStanding in front of 6,000 people wasn't always in Brad's comfort zone — but he got there, and the path he took might surprise you. Brad reflects on his evolution from someone paralyzed by speaking anxiety to comfortably hosting a live event with JL...2031earning more,net worth,personal financial healthfalse228fullhttps://www.spreaker.com/episode/227-how-to-evaluate-your-pension-is-it-worth-staying--75648247155e174f-d071-49f4-bcfa-9e860a018eddWed, 01 Jul 2020 01:00:00 +0000vasderPensions trap millions in jobs they hate — but how much is that golden handcuff actually worth? Brad and Jonathan reconnect with Grumpus Maximus, author of The Golden Albatross, to break down the real value of pensions and the emotional weight they...2467budgeting,debt management,debt-to-income ratio,family budgeting,investing,personal financial health,savings moneyfalse227fullhttps://www.spreaker.com/episode/trip-of-a-lifestyle-to-all-us-national-parks--756486742163de37-32e0-4000-95d0-eb3ca021856bMon, 29 Jun 2020 01:00:00 +0000vasderMost people making $70,000 combined think saving six figures in two years is impossible—Steven and Lauren proved otherwise while teaching full-time. On teacher salaries, this couple saved over $100,000 in two years by living on $22,000 annually and...4450family budgeting,insurance,kids & family finance,life insurance,military benefits,personal finance for students,retirement lifestyle,retirement planningfalse226fullhttps://www.spreaker.com/episode/225-the-power-of-the-staycation--7564850457ad3775-48f6-4653-b3d1-43d0e894190cFri, 26 Jun 2020 01:00:00 +0000vasderYou can vacation without leaving town — and it might change how you spend money forever. Jonathan and Brad explore the unexpected power of staycations during the pandemic, revealing how to uncover hidden value in your own backyard while stretching...2896family dynamics,frugality,networking,nutrition,spending smarterfalse225fullhttps://www.spreaker.com/episode/slow-traveling-the-world-the-fi-way-with-nomad-numbers--75648544011ab73e-9540-4170-bfcc-bddb05f2b0d2Sun, 21 Jun 2020 20:00:00 +0000vasderMr. and Mrs. Nomad slashed their travel budget to $40,000 annually while visiting countries most people only dream about — and their health insurance costs less than what many Americans pay. Brad and Jonathan sit down with this couple who left...3662career growth,earning more,entrepreneurship,insurance,personal growth,soft skills,travel insurancefalse223fullhttps://www.spreaker.com/episode/222-navigating-midlife-career-changes-and-financial-independence--756486606222025e-8554-4d03-a637-7f96a912fa51Fri, 19 Jun 2020 01:00:00 +0000vasderMost people think midlife awakening means torpedoing everything you've built. Brad and Jonathan flip that script: what if financial independence is the midlife correction — giving you breathing room to realign before you're stuck? The hosts explore...2458insurance,life insurance,lifestyle design,military,pensions,retirement planningfalse222fullhttps://www.spreaker.com/episode/220-403-b-investment-options-for-teachers-and-public-employees--7564870611853096-c772-4626-9a53-fb38698d4619Sun, 14 Jun 2020 20:00:00 +0000vasderMost people assume government-backed retirement plans are safe and well-regulated — but public school teachers often face some of the worst retirement account options in the country. Nancy Bacchetti, a former teacher, shares her journey from...3619403b,earning more,entrepreneurship,experiential learning,money management,personal finance for students,retirement planningfalse220fullhttps://www.spreaker.com/episode/219-i-m-laid-off-now-what--7564848591fbcb47-c12a-494e-85a3-486068c153a9Fri, 12 Jun 2020 01:00:00 +0000vasderLosing your job doesn't make you powerless — it might make you unstoppable. Brad and Jonathan tackle the raw emotions and real opportunities that come with unexpected job loss, especially during economic upheaval. Instead of the usual platitudes, they...2738earning more,insurance,life insurance,retirement lifestyle,retirement planningfalse219fullhttps://www.spreaker.com/episode/217-how-to-save-thousands-in-taxes-using-geo-arbitrage--756487217792526f-15a9-4a44-8beb-e88f6dfe97efMon, 08 Jun 2020 01:00:00 +0000vasderAmerican expats face the only other major tax system in the world that taxes citizens on worldwide income no matter where they live—putting them alongside Eritrea. Most never learn how to use this to their advantage. Brad and Jonathan explore the...3204capital gains tax,community,estate tax planning,house hacking,retirement age planning,retirement planning,retirement tax planning,self-employment tax,tax credits,tax deductions,tax filing tips,tax planningfalse217fullhttps://www.spreaker.com/episode/216-how-to-make-financial-independence-more-inclusive--75648764e2f1339f-83c7-4db9-a542-bf8fa712034fFri, 05 Jun 2020 01:00:00 +0000vasderFinancial independence was never supposed to have barriers based on race — yet it does. Chris Browning, host of Popcorn Finance, joins Brad and Jonathan to discuss the uncomfortable but essential conversation about how systemic racism shows up in...2671insurance,life insurance,money mindsetfalse216fullhttps://www.spreaker.com/episode/your-self-worth-is-not-your-net-worth-audrey-bellis--75648737678a033b-a1ad-4815-825a-5569e8992bafWed, 03 Jun 2020 01:00:00 +0000vasderA single mom turned entrepreneur found herself staring at a broken engagement and wondering how to build wealth while raising a child alone in one of the most expensive areas of the country—then she discovered that the real obstacle wasn't her income...3146career transition,earning more,entrepreneurship,job search,net worth,personal financial health,upskillingfalse215fullhttps://www.spreaker.com/episode/213-the-retirement-saver-s-credit-are-you-eligible--756487678a746378-f4de-466d-96ee-d52b01344f4fFri, 29 May 2020 01:00:00 +0000vasderMost people miss thousands of dollars in tax savings every year because they don't know this credit exists. If your household income falls below certain thresholds, the IRS will match up to 50% of your retirement contributions—not as a deduction, but...2538building credit score,credit,credit card debt,credit cards,credit fraud protection,credit reports,credit score improvement,debt management,early retirement,healthcare in retirement,net worth,personal financial health,retirement age planning,retirement fundamentals,retirement lifestyle,retirement planning,retirement savings goals,retirement tax planning,tax planning,tax strategiesfalse213fullhttps://www.spreaker.com/episode/kicking-off-our-fi-case-study-series-kashia-palmer--7564853548db8347-a68c-4279-9f7d-58f344ac63d0Wed, 27 May 2020 01:00:00 +0000vasderOne couple slashed $20,000 in debt while feeding a family of four on $350 a month in groceries. Kesha Palmer and her husband didn't inherit money or land high-paying tech jobs — they simply tracked every dollar and cut ruthlessly. After adoption costs...2195capital gains tax,estate tax planning,retirement age planning,retirement planning,retirement tax planning,self-employment tax,tax credits,tax deductions,tax filing tips,tax planning,tax strategiesfalse212fullhttps://www.spreaker.com/episode/211-how-to-negotiate-your-salary-without-burning-bridges--756487569e986f03-702a-4186-ab11-bdabaf438a1eSun, 24 May 2020 20:00:00 +0000vasderMost people assume entry-level salaries are set in stone and pushing back will cost them the offer. Jessica proved that assumption dead wrong — and doubled her salary in three years by doing exactly what conventional career advice says not to do....4727budgeting,early retirement,holiday spending,retirement planning,salary negotiationfalse211fullhttps://www.spreaker.com/episode/little-known-roth-hacks--75648688cd23968e-5abd-4ca8-8288-da7db7b1b368Fri, 22 May 2020 01:00:00 +0000vasderYou can pull contributions from a Roth IRA anytime without penalty—but do you know the difference between that and a Roth 401(k) when it comes to withdrawals? Brad and Jonathan tackle this listener question alongside several others in this...2543net worth,personal financial health,tax strategiesfalse210fullhttps://www.spreaker.com/episode/what-to-do-when-the-paycheck-stops-with-fritz-gilbert-part-2--7564853700d04dd0-0471-49dd-8409-da007fdce25aWed, 20 May 2020 01:00:00 +0000vasderMost people fear the day their paycheck stops, but Fritz Gilbert proved retirement success isn't about luck — it's about having a system that lets you sleep at night. Fritz Gilbert, author of "Keys to a Successful Retirement," shares how he navigated...2471earning more,entrepreneurship,income generation,networking,personal growthfalse209fullhttps://www.spreaker.com/episode/there-is-no-failing-with-fi--75648514d9393373-66f5-4741-8555-d74bad19ded4Sun, 17 May 2020 20:00:00 +0000vasderMost people equate financial disasters with the end of the road—but Bianca de Valerio rebuilt her entire financial life after multiple real estate short sales wiped out her net worth during the 2008 housing crash. Bianca, a flight attendant who...3119budgeting,financial planning for familie,kids & family financefalse208fullhttps://www.spreaker.com/episode/2020-health-challenge--75648510afeb8343-3bd0-40a3-b33f-74ddff0ea6faFri, 15 May 2020 01:00:00 +0000vasderBrad's six-year-old daughter just nailed 30 consecutive jump-rope double unders on video—a CrossFit move so technically demanding that most adults never master it. That measurable proof of progress, captured in real-time, becomes the lens through...2367credit card debt,credit cards,credit counseling,credit reports,credit score improvement,debt management,early retirement,healthcare in retirement,health insurance,health & wellness,insurance,net worth,personal financial health,retirement age planning,retirement fundamentals,retirement lifestyle,retirement planning,retirement savings goals,retirement tax planning,tax planningfalse207fullhttps://www.spreaker.com/episode/206-what-happens-when-your-paycheck-stops-retirement-planning-part-1--756483789858f18c-a0d4-4117-ab38-b0965bebadd5Wed, 13 May 2020 01:00:00 +0000vasderMost people spend decades preparing their finances for retirement—but barely any time preparing themselves. The result? Retirees who are financially secure but psychologically adrift. Fritz Gilbert shares what actually makes the difference between...1880debt,early retirement,financial mindset,frugality,healthcare in retirement,retirement age planning,retirement fundamentals,retirement lifestyle,retirement planning,retirement savings goals,retirement tax planning,tax planningfalse206fullhttps://www.spreaker.com/episode/205-tax-loss-harvesting-and-other-money-moves-to-make-during-a-financial-crisis--756487480afab0cd-0329-4c3c-b67d-4d472ecb5373Mon, 11 May 2020 01:00:00 +0000vasderYour portfolio just dropped 30%. Should you panic-sell, or is there a smarter move hiding in plain sight? Financial planner Sean Mulaney joins Brad and Jonathan to break down five critical money moves during a market downturn. The conversation centers...3283capital gains tax,estate tax planning,financial planning for familie,life insurance,personal financial health,retirement tax planning,roth ira,savings money,self-employment tax,tax credits,tax deductions,tax filing tips,tax planning,tax strategiesfalse205fullhttps://www.spreaker.com/episode/203-real-estate-investing-during-a-recession-or-financial-crisis-with-coach-carson--75648262c346539f-1cbb-4808-855b-774bb0b25fa6Wed, 06 May 2020 01:00:00 +0000vasderSmall landlords are collecting 90% of rent during a crisis — defying national headlines predicting widespread defaults. Chad Carson breaks down why relationships, not just numbers, separate resilient real estate portfolios from those at risk. Chad...2480commercial real estate,estate tax planning,growth investing,health insurance,insurance,investing 101,investment strategies,personal financial health,real estate,real estate financing,real estate law,real estate market trends,saving vs. investing,tax-advantaged investing,tax planning,value investing,wealth managementfalse203fullhttps://www.spreaker.com/episode/202-student-loan-planner-with-travis-hornsby--75648752cf94902d-bfe5-4812-a296-dc9c2c3850dbSun, 03 May 2020 20:00:00 +0000vasderYou might assume the CARES Act's student loan payment pause is just a temporary break — but if you're on an income-driven repayment plan, those suspended months still count toward forgiveness. Travis from Student Loan Planner reveals how borrowers can...1529budgeting,community,community building,credit cards,debt management,entrepreneurship,loan consolidation,loan refinancing,student loan repaymentfalse202fullhttps://www.spreaker.com/episode/201-rule-of-55-early-retirement-withdrawal-strategy--756485908e9aafdf-5d69-4ffc-8b5c-fdb5265fec4fThu, 30 Apr 2020 20:00:00 +0000vasderMost people assume their 401k is locked until 59½, but the Rule of 55 allows penalty-free withdrawals nearly five years earlier—and hardly anyone knows it exists. Brad and Jonathan break down this IRS provision, which lets you tap retirement funds if...3503early retirement,healthcare in retirement,investing,retirement age planning,retirement fundamentals,retirement lifestyle,retirement planning,retirement savings goals,retirement tax planning,tax planningfalse201fullhttps://www.spreaker.com/episode/200-stock-market-fundamentals-and-index-fund-investing--7564865652827626-ed06-41d2-b089-73730aaff040Wed, 29 Apr 2020 01:00:00 +0000vasderMost investors can recite the phrase "buy and hold" in their sleep, but how many actually understand what they're holding? Stocks represent partial ownership in businesses—yet price swings, P/E ratios, and market sentiment can feel more like alchemy...2446capital gains tax,estate tax planning,investing,personal financial health,retirement fundamentals,retirement tax planning,savings money,self-employment tax,stock market analysis,stock valuation techniques,tax credits,tax deductions,tax filing tips,tax planningfalse200fullhttps://www.spreaker.com/episode/199-how-to-adjust-your-investment-portfolio-for-retirement--75648733f8a2b37b-4d43-4880-a0e4-c2f2903b5ceeSun, 26 Apr 2020 20:00:00 +0000vasderWithdrawing from your retirement portfolio during a market crash could derail decades of careful planning—but the solution isn't always to stop spending. Karsten from Early Retirement Now returns to tackle the single biggest threat to early retirees:...2798investing,investment portfolio,retirement fundamentals,stock market analysis,stock valuation techniques,wealth managementfalse199fullhttps://www.spreaker.com/episode/market-bottom-timing-and-investment-strategy--75648405cb56e903-701a-4e88-a675-bb7158c96ba7Sun, 19 Apr 2020 20:00:00 +0000vasderMillions unemployed, countless businesses shuttered, yet the stock market surged back from its lows. With experts Big ERN analyzing this disconnect through the lens of V-shaped, U-shaped, and L-shaped recovery scenarios, the conversation reveals why...2124credit cards,debt,debt management,loan consolidation,loan refinancing,student loan repaymentfalse196fullhttps://www.spreaker.com/episode/194-the-role-of-bonds-in-your-investment-portfolio--75648407d382612b-d177-47fa-9a5a-3957e4c47c20Wed, 15 Apr 2020 20:00:00 +0000vasderMost investors own bonds wrong—they pile into them without asking a crucial question first. Frank, an attorney and ChooseFI community member, shares how past market downturns reshaped his approach to bond investing. Instead of simply chasing...3082budgeting,frugality,investment portfolio,other,wealth managementfalse194fullhttps://www.spreaker.com/episode/193-long-term-investing-why-the-market-always-goes-up--75648548c44ec252-7620-45b8-b730-5f26f67e86a9Wed, 15 Apr 2020 01:00:00 +0000vasderMost market predictions are wrong — yet investors keep letting them derail their financial plans. Jl Collins's insights remind us that while market downturns occur, the historical trend leans towards consistent growth over time. Investors should focus...1472investing,investment portfolio,market trend analysis,market volatility,real estate market trends,stock market analysis,wealth managementfalse193fullhttps://www.spreaker.com/episode/190-financial-planning-for-the-sandwich-generation--7564852636f778e2-0007-49b2-8c21-b689cdf4cd56Fri, 10 Apr 2020 01:00:00 +0000vasderYou won't find the 40-70 rule in any financial textbook, but it might be the most important deadline you've never heard of. Start these conversations when either you turn 40 or your parents turn 70—whichever comes first. Miss that window, and you risk...1516debt management,debt-to-income ratio,investing,investment portfolio,wealth managementfalse190fullhttps://www.spreaker.com/episode/189-investor-policy-statement--756486134d6d3808-34e0-4493-a315-77e601fa8776Wed, 08 Apr 2020 20:00:00 +0000vasderMost people panic when the market drops. But what if the problem isn't the market—it's your lack of a written plan? Jonathan and Brad explore the investor policy statement: a personal rulebook for staying rational when your portfolio is bleeding red....2254investing,market trend analysis,market volatility,real estate market trends,stock market analysisfalse189fullhttps://www.spreaker.com/episode/188-stay-the-course-investment-strategy-during-market-downturns--7564874515bd1bc8-101f-47be-8d0b-f183dc264b68Wed, 08 Apr 2020 01:00:00 +0000vasderThe biggest investing decision you'll ever make isn't picking stocks or timing the market—it's deciding what percentage of your portfolio goes into stocks versus bonds. Rick Ferry breaks down asset allocation using a surprisingly simple metaphor: a...1658credit,credit fraud protection,earning morefalse188fullhttps://www.spreaker.com/episode/multiple-generations-under-one-roof-with-financial-tortoise--75648528280018ae-44b2-4de8-a732-e0b0eb139a58Sun, 05 Apr 2020 20:00:00 +0000vasderTay from Financial Tortoise paid off $105,000 in student loans in three years while preparing to support aging parents—and now three generations share one roof. The financial logistics are one thing; the cultural expectations and emotional complexity...3454debt management,debt-to-income ratio,habits,lifestyle design,mental health,mindfulness,work-life balancefalse186fullhttps://www.spreaker.com/episode/is-the-fire-movement-over--7564840452a0357d-519d-436d-a37a-9b55880419d6Wed, 01 Apr 2020 01:00:00 +0000vasderMost Americans live paycheck to paycheck—until a crisis hits and forces them to finally ask the questions they should have been asking all along. Financial independence isn't retreating in tough times; it's gaining new urgency. The movement was born...1858asset allocation,index funds,investing,investment risks,investment strategiesfalse183fullhttps://www.spreaker.com/episode/how-to-reduce-investment-fees-and-escape-high-cost-funds--75648274f934f20a-f395-4f00-8284-6a460157a537Mon, 30 Mar 2020 20:00:00 +0000vasderMost financial advisors charge fees based on how much money you manage—but Rick Ferry realized that managing $2 million doesn't take twice the work of managing $1 million. That insight, sparked by listening to Jack Bogle, led him to abandon his Wall...2007retirement age planning,retirement planning,tax strategiesfalse182fullhttps://www.spreaker.com/episode/how-to-cut-discretionary-spending-during-crisis--75648388e75c1151-839b-45ff-896c-f20e5ce1672aTue, 24 Mar 2020 01:00:00 +0000vasderMost people think they know where their money goes — until a crisis forces them to actually look. Brad and Jonathan walk through the financial reckoning many faced during pandemic-era uncertainty and the framework that helped them regain control. The...1225index funds,investing,investment strategies,retirement planningfalse177fullhttps://www.spreaker.com/episode/176-flexible-spending-rules-for-early-retirees-michael-kitces--75648617c1d2deb0-ac9d-426e-88c4-c9fdcf954077Sun, 22 Mar 2020 20:00:00 +0000vasderMost early retirees panic when markets drop, slashing spending to protect their nest egg. But what if that instinct is exactly backward? Michael Kitsis challenges conventional retirement wisdom by introducing flexible spending rules that adapt to...5092budgeting,early retirement,emergency funds,holiday spending,investing,personal financial health,retirement planningfalse176fullhttps://www.spreaker.com/episode/a-capital-gains-case-study-for-2020--756485859717f26a-8d09-4464-bb8c-75b8eea20076Fri, 13 Mar 2020 01:00:00 +0000vasderWhat if you could pocket over $100,000 in income and pay nothing—zero—in federal income tax? Brad and Jonathan walk through two real-world case studies demonstrating exactly how capital gains tax brackets work and how blending taxable account...3078capital gains tax,community building,tax planning,tax strategiesfalse170fullhttps://www.spreaker.com/episode/170-financial-literacy-curriculum-for-high-school-students--7565065421f183ac-040e-4d62-b5f5-e0c4f53af53aSun, 08 Mar 2020 20:00:00 +0000vasderMost students leave high school barely able to balance a checkbook, let alone launch a business or build wealth. Teacher Rob Phelan noticed this gap—and built a solution that turns teenagers into entrepreneurs while teaching them financial...3636fi fundamentals,financial goal setting,financial mindsetfalse170fullhttps://www.spreaker.com/episode/prepared-not-scared--756506777fb73e55-c17a-4172-bdb0-1e0f39330d4eThu, 05 Mar 2020 19:00:00 +0000vasderMarket crashes don't respect retirement timelines. Purple Life's story proves it — she hit her financial independence number on Monday, ready to retire, then watched the market tank days later. Does she abandon the plan, delay retirement, or press...3402hsa,insurance,investing,long-term care insurance,market trend analysis,market volatility,real estate market trends,stock market analysisfalse169fullhttps://www.spreaker.com/episode/a-purple-life-early-retiree-case-study--75650709c80b92b3-9e64-4ac3-9eec-45980c6ead62Sun, 01 Mar 2020 19:00:00 +0000vasderMost people who retire at 30 had wealthy parents or got lucky with a startup — not a regular salary earner cutting expenses to $18,000 per year. A Purple Life took a different path to financial independence by documenting every expense and salary...3000career growth,early retirement,earning more,financial goal setting,income generation,insurance,life insurance,negotiation,retirement planning,self helpfalse169fullhttps://www.spreaker.com/episode/prioritizing-your-priorities--75650683a650bc6a-59c8-41db-a2c1-e3f0b1b04fa5Thu, 27 Feb 2020 19:00:00 +0000vasderMost people think more hours equal more productivity. Jonathan discovered he had it backward. Jonathan and Brad reflect on how reading Make Time by Jake Knapp and John Zeratsky forced a complete overhaul of their schedules—not to squeeze in more work,...3172capital gains tax,lifestyle design,productivity,task management,tax planningfalse168fullhttps://www.spreaker.com/episode/168-time-management-and-productivity-for-financial-independence--756507024dfc3683-c028-49c8-9901-9f31155a29c4Sun, 23 Feb 2020 19:00:00 +0000vasderThe average person checks their phone 150 times per day — yet most can't name what they accomplished yesterday. Jonathan Mendonsa experienced this firsthand: buried in busyness, he didn't have time to read a book about productivity until a flight...4572403b,investing,money management,productivity,retirement planning,task management,todoistfalse168fullhttps://www.spreaker.com/episode/should-i-refinance-my-mortgage-r--756506894e903b64-5db3-47f2-8922-bbcace673cb0Thu, 20 Feb 2020 19:00:00 +0000vasderMost homeowners don't realize they're paying tens of thousands more than necessary on their mortgage. Refinancing your home can lead to significant savings if done thoughtfully. Key considerations include understanding mortgage rates, the importance...3972credit cards,debt management,insurance,long-term care insurance,money mindset,mortgage loans,mortgage refinancing,retirement age planning,retirement planningfalse167fullhttps://www.spreaker.com/episode/it-s-a-small-world-after-all--75650681ddfc0a4e-9626-42a8-8b1c-14c2c3fd1186Thu, 13 Feb 2020 19:00:00 +0000vasderA $5,000 hospital bill landed in Jonathan's mailbox, but instead of panic—or acceptance—he made one phone call and saved thousands. This episode tackles the listener challenges and voicemails that show financial independence in action: from donating...2741lifestyle design,personal growth,work-life balancefalse166fullhttps://www.spreaker.com/episode/166-how-to-live-on-25-000-a-year-and-pay-off-student-loans--756506936a8f11b3-84ce-4404-ad7d-90a48ae79293Sun, 09 Feb 2020 19:00:00 +0000vasderCourt and Nick turned six figures of student loan debt into millionaire status within nine years while living on under $25,000 annually. Their Calgary-based family of three maintains this lifestyle not through deprivation, but by ruthlessly cutting...3770budgeting,couples finance,debt management,earning morefalse166fullhttps://www.spreaker.com/episode/do-you-need-vtsax-vanguard-vs-fidelity-vs-schwab-index-funds--756507304aa34b65-7f40-4045-a9b4-24aa5fd44bfbThu, 06 Feb 2020 19:00:00 +0000vasderYou panic-sold during this week's market dip—or you almost did. Brad and Jonathan field listener questions on how to ride out stock market volatility without sabotaging your long-term wealth. This mashup covers the emotional pitfalls of investing,...3299commercial real estate,credit cards,debt management,mortgage loans,mortgage refinancing,real estate,real estate financing,real estate law,real estate market trends,retirement age planning,retirement planningfalse165fullhttps://www.spreaker.com/episode/165-ynab-review-why-you-need-a-budget--75650717d41f1160-555d-4f53-ae82-c340efe2af4eSun, 02 Feb 2020 19:00:00 +0000vasderMost people think budgeting means restriction. But what if it's actually the path to spending more on what truly matters? Brad and Jonathan debate whether budgets are essential or optional — then put the question to Jesse Mecham, founder of You Need a...4296budgeting,ira rollovers,retirement planning,spending smarter,zero-based budgetfalse165fullhttps://www.spreaker.com/episode/what-are-the-5-love-languages--756506635479b70b-39a0-4f77-8edb-2a5f1923bf65Thu, 30 Jan 2020 19:00:00 +0000vasderMost people think expensive dinners and jewelry win Valentine's Day — but they're wrong. What actually matters is whether your partner even wants those things, or if they'd rather you just wash the dishes. Brad and Jonathan explore Gary Chapman's five...3047community,entrepreneurship,retirement age planning,retirement planningfalse164fullhttps://www.spreaker.com/episode/164-building-wealth-while-raising-a-family--75650718e079ba8e-046d-470f-89a3-cf2ba19c4157Mon, 27 Jan 2020 01:00:00 +0000vasderA work anniversary award shouldn't change your entire life trajectory — but for Amana and Christina, it did. That small corporate token sparked a bigger question: what if their lives could be defined by more than their jobs? Amana and Christina built...3734budgeting,building credit score,money mindsetfalse164fullhttps://www.spreaker.com/episode/roth-ira-conversion-ladder-case-study--75650711c964d633-94fe-4f1a-9f03-eff24c2dd388Fri, 24 Jan 2020 00:00:00 +0000vasderStruggling to save your first $1,000 while stuck in a paycheck-to-paycheck cycle? Jonathan and Brad tackle this exact challenge with practical strategies anyone can start today. The hosts walk through the $1,000 Challenge — a framework for building...3276commercial real estate,ira rollovers,real estate financing,real estate law,real estate market trends,retirement planning,tax strategiesfalse163fullhttps://www.spreaker.com/episode/163-how-to-get-your-spouse-on-board-with-financial-independence--7565072732175805-1cad-492a-9de8-5baab3ee0a7bMon, 20 Jan 2020 01:00:00 +0000vasderMost couples who discover financial independence gradually optimize their spending. Liz and Brayden flipped the script: after Brayden became a stay-at-home dad, they increased their savings rate—despite losing half their household income. Their...3066budgeting,commercial real estate,personal financial health,real estate financing,real estate law,real estate market trends,retirement age planning,retirement planning,retirement savings goals,savings first,savings money,saving vs. investing,spending smarterfalse163fullhttps://www.spreaker.com/episode/there-s-water-in-the-cup--75650735531a71eb-d15f-40a7-818c-8a0101ec78e2Fri, 17 Jan 2020 01:00:00 +0000vasderYou've been reading personal finance blogs, listening to podcasts, maybe tracking your spending in Mint—yet the moment your spouse casually mentions buying something unplanned, tension fills the room. This roundup tackles that exact friction point,...4699lifestyle design,mindfulness,motivationfalse162fullhttps://www.spreaker.com/episode/162-how-personality-types-affect-your-path-to-financial-independence--756507128014c174-a813-4c15-aa4c-6677c966f5dfMon, 13 Jan 2020 01:00:00 +0000vasderYour spouse brushes off your financial independence plan like it's just another phase. Meanwhile, your coworker heard the same ideas and had her partner on board by dinner. The difference? Understanding personality tendencies might matter more than...3414budgeting,financial mindset,frugality,house hacking,spending smarterfalse162fullhttps://www.spreaker.com/episode/reignite--75650701a722b08b-7b0c-49a2-bbde-75b0eafbdbf5Fri, 10 Jan 2020 01:00:00 +0000vasderAt the start of 2020, ChooseFI is pulling in nearly a million downloads a month. What began as two guys talking about financial independence has turned into something bigger—local meetups normalizing money conversations, a curriculum being taught in...4085money mindset,retirement age planning,retirement planningfalse161fullhttps://www.spreaker.com/episode/money-letters-to-my-daughter-with-jackie-cummings-koski--756507340d3cd62b-0090-4ad4-a5c5-4b8acd70249aMon, 06 Jan 2020 01:00:00 +0000vasderJackie Koski retired from corporate America with a six-figure health savings account — on a salary that never topped six figures. She also grew up in poverty in the deep South, raised a daughter as a single mom, and wrote a book called "Money Letters...3873credit cards,credit score improvement,interest rates,money mindset,personal financial health,savings moneyfalse161fullhttps://www.spreaker.com/episode/everyday-courage--75650685983b9ef2-0697-4379-8df3-43b1450d574cFri, 03 Jan 2020 01:00:00 +0000vasderWhat if the real barrier to financial independence isn't your income, but the courage to live your own life instead of someone else's? Brad and Jonathan announce the launch of Everyday Courage, a new podcast with Jillian Johnsworth exploring the...1063money mindset,retirement age planning,retirement planning,retirement tax planningfalse160fullhttps://www.spreaker.com/episode/from-solopreneur-to-entrepreneur--756507379f72ba0f-2f2a-474a-abdc-21286bf5e15aFri, 27 Dec 2019 01:00:00 +0000vasderMost people plan their year down to the quarterly target, yet couldn't tell you where they'll be in a decade. Jonathan Mendonsa and Brad Barrett flip that script, examining why we systematically overestimate annual achievements while underestimating...3286family dynamics,nomads and expats,travel lifestylefalse159fullhttps://www.spreaker.com/episode/your-real-hourly-wage-and-savings-rate-calculation--756507391e53a57c-3e34-4dc9-b8fd-72c0e4dfd3e7Fri, 20 Dec 2019 01:00:00 +0000vasderMost people never calculate what they actually earn per hour — and that blind spot is costing them years of freedom. Brad and Jonathan unpack a mashup of listener questions and key concepts, from the hidden math of your real hourly wage to why a...3562budgeting,commercial real estate,money mindset,personal financial health,real estate financing,real estate law,real estate market trends,retirement age planning,retirement planning,retirement savings goals,savings first,savings money,saving vs. investingfalse158fullhttps://www.spreaker.com/episode/158-how-to-calculate-your-real-hourly-wage--756507360485239b-c347-488a-9c1f-2855847e6464Mon, 16 Dec 2019 01:00:00 +0000vasderGraduating college in the 2000s as a low-income young woman from South Carolina wasn't just uncommon—it was rare enough that Kim's path to financial independence began with something most people never consider: calculating the actual cost of every...3471accountability,commercial real estate,earning more,entrepreneurship,real estate financing,real estate law,real estate market trends,retirement age planning,retirement planning,work-life balancefalse158fullhttps://www.spreaker.com/episode/the-compound-interest-of-self-improvement--756506759974acab-33b3-4381-affd-f5abbb208b5cFri, 13 Dec 2019 01:00:00 +0000vasderInvesting 1% more in yourself today feels insignificant—but that's exactly the point. Jonathan and Brad explore how tiny daily choices compound into life-altering outcomes, drawing from James Clear's Atomic Habits. The conversation covers strategies...2667accountability,couples finance,credit cards,credit score improvement,financial goal setting,financial mindset,interest rates,money mindset,money psychologyfalse157fullhttps://www.spreaker.com/episode/atomic-habits-james-clear--75650748776fff6b-cfb2-4d0d-95ad-d139fa51ad51Sun, 08 Dec 2019 19:00:00 +0000vasderMost people spend their entire lives reacting to cues they never consciously chose. James Clear's Atomic Habits argues that every action you take is a vote for the type of person you wish to become — and understanding this identity-level shift is the...2900debt management,emergency funds,financial habits,investing,investment strategies,personal financial health,productivity,task managementfalse157fullhttps://www.spreaker.com/episode/coming-back-from-a-gap-year--7565072540ab6cc5-8158-4027-860c-c703e66db6b3Fri, 06 Dec 2019 01:00:00 +0000vasderWould you really trade your next decade for a $70,000 golf club membership — or is that just the life script you've been handed? Brad and Jonathan challenge the default choices of the "normal" American financial path, using that exact question from a...3600debt management,savings money,year end winsfalse156fullhttps://www.spreaker.com/episode/retire-before-mom-and-dad-rob-berger--75650749767e8deb-7e7c-462e-a36e-e9c751d2362eMon, 02 Dec 2019 01:00:00 +0000vasderMost people think they need to be completely debt-free before they can even dream of financial independence. A former law partner who built a personal finance empire says that's backwards. Rob Berger left his legal career to focus on financial...3624budgeting basics,early retirement,family budgeting,financial mindset,frugality,money mindsetfalse156fullhttps://www.spreaker.com/episode/year-end-tax-planning-with-sean-mullaney--7565085689992405-5a52-47c9-a1ce-3ae67011c5c2Fri, 29 Nov 2019 01:00:00 +0000vasderMost of your holiday debt happens when retailers convince you waiting in line at 4 AM for a 10% discount is a sound financial decision. Brad and Jonathan unpack the Black Friday madness, then shift gears into listener questions spanning everything...4371capital gains tax,community building,entrepreneurship,estate tax planning,financial planning for familie,habits,retirement age planning,retirement planning,retirement tax planning,self-employment tax,tax credits,tax deductions,tax filing tips,tax planning,tax strategies,wealth management,wealth succession planningfalse155fullhttps://www.spreaker.com/episode/fi-for-single-parents-leslie-tayne--75650722bfb3857e-e5f0-42a0-b04a-b0a1a59af82fMon, 25 Nov 2019 01:00:00 +0000vasderWhat if the financial habits you learned as a child—watching your parents manage money—secretly programmed you to repeat the same patterns in your own relationships? Leslie Tain grew up in a household where her father handled all the finances. She...3457auto insurance,disability insurance,health insurance,homeowners insurance,insurance,insurance explained,kids & family finance,life insurance,long-term care insurance,personal financial health,pet insurance,renters insurance,travel insurance,umbrella insurancefalse155fullhttps://www.spreaker.com/episode/inception--7565070484f08a1e-0569-4f75-b5e3-e18f052eacddFri, 22 Nov 2019 01:00:00 +0000vasderA growing family doesn't have to derail your fitness goals — sometimes the solution is closer than you think. Jonathan and Brad tackle the friction points many families face when trying to stay active, exploring how small adjustments can remove major...3465career transition,lifestyle designfalse154fullhttps://www.spreaker.com/episode/154-how-to-hack-the-fafsa-for-college-funding--7565075677a32fd2936a4a16a97656940ff4e9e3Mon, 18 Nov 2019 01:00:00 +0000vasderMost families leave thousands in financial aid on the table simply because they don't understand how the system scores them. Brian Eufinger and Sunwoo Lee break down how Expected Family Contribution (EFC) and Cost of Attendance (COA) determine...3265credit card debt,credit cards,debt,debt avalanche method,debt consolidation,debt management,debt management strategies,debt negotiation,debt snowball method,house hackingfalse154fullhttps://www.spreaker.com/episode/navigating-health-insurance--75650676bc55497b-bc1c-41d5-999a-2c846e1397daThu, 14 Nov 2019 19:00:00 +0000vasderMedical debt doesn't just drain bank accounts—it devours peace of mind. One unexpected hospital visit can unravel years of careful planning, leaving families paralyzed by bills they don't understand and can't afford. This episode examines the...3210auto insurance,disability insurance,health insurance,homeowners insurance,insurance,insurance explained,insurance & protection,life insurance,long-term care insurance,personal financial health,pet insurance,renters insurance,savings money,travel insurance,umbrella insurancefalse153fullhttps://www.spreaker.com/episode/153-medical-debt-collection-and-forgiveness-strategies--75650731e03dd3f3c8fd415bad7f39e6a882ce6bMon, 11 Nov 2019 01:00:00 +0000vasderMedical debt just wrecked 900 million dollars' worth of American lives—until two debt collectors decided to fix the system from the inside. Craig and Jerry, founders of RIP Medical Debt, spent years chasing unpaid hospital bills before realizing the...3386commercial real estate,credit card debt,credit cards,debt avalanche method,debt consolidation,debt management,debt management strategies,debt negotiation,debt snowball method,real estate financing,real estate law,real estate market trends,retirement age planning,retirement planning,spending smarterfalse153fullhttps://www.spreaker.com/episode/can-i-retire-yet-a-drawdown-case-study-big-ern--756508988ea1fbafd0b54439b15317eaaaf417deFri, 08 Nov 2019 01:00:00 +0000vasderAfter years of meticulous saving, the real challenge begins: pulling money out without the panic. Becky and Steven have built a solid nest egg, but Becky admits that withdrawing funds feels like "stabbing herself in the heart." This episode tackles...3862family dynamics,fitness,lifestyle design,travel lifestylefalse152fullhttps://www.spreaker.com/episode/152-starting-your-fi-journey-later-in-life--75650716cac85eef97ab4cda904f981e85c23758Mon, 04 Nov 2019 01:00:00 +0000vasderStarting from zero at age 50 sounds like a financial death sentence — but Becky Heptig proved that wrong, reaching financial independence in just 13 years. Becky and her husband spent the first 25 years of their marriage making poor financial...3424financial habits,money mindset,personal financial healthfalse152fullhttps://www.spreaker.com/episode/fit-waist-fat-wallet--756507512afdc7c845374cd78cafae6dfde6777aFri, 01 Nov 2019 01:00:00 +0000vasderMost people assume their first attempt will be close to perfect—whether it's a workout plan, a diet, or even a website layout. The truth? You're almost certainly wrong. Brad Barrett learned this the hard way in online marketing: tiny tweaks to wording...3375investing,investment strategies,retirement lifestyle,retirement tax planning,social security benefitsfalse151fullhttps://www.spreaker.com/episode/151-decision-making-framework-for-financial-choices--75650821ec54b4f07d0e450f8ff0e8a7ecd5278aMon, 28 Oct 2019 01:00:00 +0000vasderMost entrepreneurs obsess over business metrics but ignore the data that matters most: their own bodies. David Hauser sold his company for a nine-figure sum while simultaneously failing at something far more fundamental — figuring out what to eat....3573fitness,health & wellness,nutrition,personal growth,sleepfalse151fullhttps://www.spreaker.com/episode/goals-vs-systems--756507418094ed3f01894359993f243a5ce28468Fri, 25 Oct 2019 01:00:00 +0000vasderMost people drift through their finances paycheck to paycheck, aware something's off but never stopping to diagnose the problem. Jonathan Mendonsa and Brad Barrett break down the unsexy but essential first step: tracking where your money actually...3488budgeting,credit cards,debt,debt management,envelope system,family budgeting,financial goal setting,financial mindset,financial planning for familie,personal financial health,retirement planning,retirement savings goals,secured vs unsecured loansfalse150fullhttps://www.spreaker.com/episode/accountability-diania-merriam--756507865d7a62ea47f441f9a643c8ab8305e2fdMon, 21 Oct 2019 01:00:00 +0000vasderWhat if your dream of becoming the world's highest-paid female CEO turned out to be someone else's dream entirely? Diana Merriam shares her journey from $30,000 in debt and corporate ambition to discovering what wealth actually means. After finding...2848fitness,mindfulness,money mindset,nutrition,personal growthfalse150fullhttps://www.spreaker.com/episode/whole-life-insurance--75650773322ecec499d9452c80929437e1714b64Thu, 17 Oct 2019 20:00:00 +0000vasderLaura's 80-cent shopping spree—turning $133 worth of clothing into pocket change—proves that mastering discount stacking isn't just theory. Jonathan Mendonsa and Dominick Quartuccio break down her strategy and then pivot to exposing why whole life...3359auto insurance,budgeting,debt management,disability insurance,financial mindset,health insurance,homeowners insurance,insurance,insurance explained,insurance & protection,life insurance,long-term care insurance,pet insurance,renters insurance,travel insurance,umbrella insurancefalse149fullhttps://www.spreaker.com/episode/fi-101-expense-ratios-and-house-hacking--756507524aae4904bf2b463baaffd46206e57f42Fri, 11 Oct 2019 01:00:00 +0000vasderA single percentage point in fees doesn't sound like much — until you realize it could cost you hundreds of thousands of dollars over a lifetime of investing. Brad and Jonathan break down why expense ratios matter more than most investors think,...3927budgeting,credit cards,debt management,debt-to-income ratio,envelope system,expense tracking,financial goal setting,house hacking,investing 101,money mindset,personal financial health,retirement planning,retirement savings goals,secured vs unsecured loansfalse148fullhttps://www.spreaker.com/episode/struggle-the-psychology-of-poverty-with-andrea-motenko--75650930b16b546ac0824aecbfa68306db413654Mon, 07 Oct 2019 01:00:00 +0000vasderWomen who don't negotiate their salaries could forfeit a million dollars over their careers—but Drea Harris-Matenko argues the real cost of poverty isn't just money lost, it's the resilience you never knew you had. A social policy expert who grew up...2834auto insurance,disability insurance,health insurance,homeowners insurance,insurance,insurance explained,life insurance,long-term care insurance,money mindset,pet insurance,renters insurance,stock market analysis,travel insurance,umbrella insurancefalse148fullhttps://www.spreaker.com/episode/contributions-corrections-and-criticisms--7565085757f82e79a6cd44fabb98a69d93c9eb99Fri, 04 Oct 2019 01:00:00 +0000vasderMost people underestimate what saying "yes" to a lowball job offer really costs them. Tori Dunlap reached $100,000 by age 25 through strategic salary negotiation and early investing. Brad and Jonathan explore her approach to advocating for higher pay,...3386charitable giving,house hacking,kids & family finance,tax planningfalse147fullhttps://www.spreaker.com/episode/147-how-to-negotiate-your-salary--75650723167130f99d2f42b2bdf4c8c01b579ff4Sun, 29 Sep 2019 20:00:00 +0000vasderWomen who negotiate earn, on average, a million dollars more over their careers than those who don't. Tori Dunlap from Her First 100K shares her journey of reaching $100K by age 25 and her mission to help women close the wage gap through better...3542careers,charitable giving,earning more,tax planningfalse147fullhttps://www.spreaker.com/episode/fork-in-the-road--75650754b2e286bb5f22444c9b0652623ca33fabFri, 27 Sep 2019 01:00:00 +0000vasderMost people think building a diverse skill set is about padding a resume — but what if your random collection of abilities is actually your most valuable asset? Brad and Jonathan tackle listener questions on talent stacking, choosing skill development...3569budgeting,debt management,debt-to-income ratio,expense tracking,fi fundamentals,house hacking,investing 101false146fullhttps://www.spreaker.com/episode/bonus-episode-guided-meditation-for-stock-market-volatility-with-jl-collins--75650745bd79369c8dd74d88875d459547933e4dWed, 25 Sep 2019 05:00:00 +0000vasderA Guided Meditation for When the Stock Market Is Dropping With JL Collins, author of The Simple Path to Wealth.760financial mindset,market volatility,mental wellness,personal growth,stock market analysisfalsebonushttps://www.spreaker.com/episode/stuck--7565073860b10481e4364863b4678e1469d583e8Fri, 20 Sep 2019 01:00:00 +0000vasderMost people believe passive income means money for nothing. But what if it's actually about working harder now to work less later? This episode covers multiple listener questions and hot topics, including actionable strategies for deploying windfalls,...3898accountability,money mindset,personal growth,work-life balancefalse145fullhttps://www.spreaker.com/episode/145-turnkey-real-estate-investing-strategies--756508159401c32e99a341a2b04182405114a822Mon, 16 Sep 2019 01:00:00 +0000vasderMost rental property investors skip the spreadsheet and chase appreciation—Paula Pant explains why the opposite approach built her path to financial independence. Paula Pant returns to break down real estate investing as a numbers-first business, not...2609commercial real estate,community building,community events,estate tax planning,growth investing,investing 101,investment strategies,real estate,real estate financing,real estate law,real estate market trends,saving vs. investing,tax-advantaged investing,tax planning,value investing,wealth managementfalse145fullhttps://www.spreaker.com/episode/guard-rails-and-dumpster-fires--75650747be23fbebdc1743b4833aad51d73d18c2Fri, 13 Sep 2019 01:00:00 +0000vasderOne listener's simple question to their employer eliminated a two-hour daily commute and saved thousands in childcare costs. At FinCon this year, Brad and Jonathan watched the FI community grow from a dozen early adopters to over 500 people swapping...3264entrepreneurship,lifestyle design,personal growth,scams,self helpfalse144fullhttps://www.spreaker.com/episode/is-this-the-top--75650840ae1ae85a84214d56bda827c651a4222aFri, 06 Sep 2019 01:00:00 +0000vasderAndrew Luck walked away from a $58 million contract at age 29 — what does that say about prioritizing health over money? Jonathan and Brad unpack the NFL quarterback's stunning retirement decision, connecting it to broader questions about values and...3139money mindset,money psychologyfalse143fullhttps://www.spreaker.com/episode/envelope-overwhelm--75650892858e8326125247a883f35867b672347aFri, 30 Aug 2019 01:00:00 +0000vasderReal estate looks easiest when you're not doing it — and scariest when you finally run the numbers. Brad and Jonathan tackle listener questions on cap rates, property decisions, and automating personal finances to the point where money management...3573budgeting,envelope system,financial mistakes,money mindset,money psychology,progress trackingfalse142fullhttps://www.spreaker.com/episode/142-real-estate-investing-strategies-for-beginners--75650760f427aaf32c4d42139cc49f94b28262afMon, 26 Aug 2019 01:00:00 +0000vasderBrad Barrett lost close to $100,000 on a speculative real estate deal — a mistake that kept him away from property investing for years. Paula Pant, who built her real estate portfolio through hands-on experience, returns to help Brad (and listeners)...3446commercial real estate,estate tax planning,growth investing,investing 101,investment strategies,real estate,real estate financing,real estate law,real estate market trends,saving vs. investing,tax-advantaged investing,tax planning,value investing,wealth managementfalse142fullhttps://www.spreaker.com/episode/translating-fi-for-the-uk--7565084527016ffa9e8a4ce180d1d97eccfb2660Fri, 23 Aug 2019 01:00:00 +0000vasderMost middle-class families can't imagine taking a three-week vacation — yet Brad just pulled it off while running a business. This week's roundup explores that exact trip to Maui, dissects actionable concepts from David Sawyer's book 'Reset,' and...4005fi fundamentals,financial goal setting,negotiation,productivity,task management,todoistfalse141fullhttps://www.spreaker.com/episode/141-career-reset-strategies-for-midlife-professionals--75650771caafb81636994b55bbf40b4d01f6d9acMon, 19 Aug 2019 01:00:00 +0000vasderOne in four people actively hate their jobs, and six in ten are just going through the motions at work—likely while expenses climb and technology shifts faster than they can keep up. If you're in your 30s or 40s and feel trapped in a career that no...4653entrepreneurial finance,investing,roth irafalse141fullhttps://www.spreaker.com/episode/the-real-cost-of-a-financial-advisor--75650981f3ad0a6ebb4d4ee4bba66a08f4421ee4Fri, 16 Aug 2019 01:00:00 +0000vasderOne student applied for scholarships even after landing a full ride — and banked thousands extra. Brad and Jonathan unpack that surprising strategy alongside a broader conversation about how financial independence is reshaping traditional personal...2704financial planning,investing,investment strategies,personal financial health,wealth managementfalse140fullhttps://www.spreaker.com/episode/140-how-to-live-the-fi-lifestyle-before-reaching-your-fi-number--75650970f11df644648441a39f92ff47a12ac098Sun, 11 Aug 2019 20:00:00 +0000vasderMost people wait until they hit their magic FI number to start living life on their own terms. Nick True didn't. He and his wife graduated college debt-free, moved into a 2007 Airstream trailer, and built a remote lifestyle that gives them the freedom...3285budgeting,community building,insurance,life insurance,retirement lifestyle,retirement planning,side hustle,spending smarterfalse140fullhttps://www.spreaker.com/episode/time-is-on-your-side--756507766ca79c5f1af34789863170da84098355Fri, 09 Aug 2019 01:00:00 +0000vasderMost people lose money on cars — Sonny Burns turned car flipping into a repeatable profit machine in just three hours. Brad and Jonathan unpack how a listener's side hustle story reveals hidden opportunities in everyday transactions, plus practical...3361commercial real estate,estate tax planning,growth investing,investing 101,investment strategies,money mindset,real estate financing,real estate law,real estate market trends,saving vs. investing,tax-advantaged investing,tax planning,value investing,wealth managementfalse139fullhttps://www.spreaker.com/episode/reaching-fi-with-real-estate-with-sunny-burns--7565101372d9be557a054d1293371563b337ef73Sun, 04 Aug 2019 20:00:00 +0000vasderBy 28, Sonny Burns owns over a million dollars in real estate, generates six figures in annual rent, and is months away from quitting his engineering job for good. Most of his peers are still paying off student loans. Burns, a project engineer who...3414commercial real estate,estate tax planning,growth investing,investing 101,investment strategies,real estate,real estate financing,real estate law,real estate market trends,saving vs. investing,tax-advantaged investing,tax planning,value investing,wealth managementfalse139fullhttps://www.spreaker.com/episode/my-daughter-s-mindset--756508272d882b9e53d842698d022e5ebbcf7ca3Fri, 02 Aug 2019 01:00:00 +0000vasderWhat if a Friday night swim meet could teach you more about achieving financial independence than a semester of economics? Brad's daughter Anna slashed six seconds off her personal record through one simple mental trick — and the same principle could...2677financial mindset,kids & family finance,personal financial health,real estate lawfalse138fullhttps://www.spreaker.com/episode/an-evening-of-financial-independence--75650790aed13ad13b964f929fb4a7d56429a911Fri, 26 Jul 2019 01:00:00 +0000vasderOver 500 people gathered in one room to watch a documentary about quitting their jobs—and nobody thought it was crazy. Brad and Jonathan recap the Richmond screening of Playing With Fire, where the financial independence community turned a movie night...3236community,community building,life after fi,meaningful living,personal growth,volunteeringfalse137fullhttps://www.spreaker.com/episode/rebuilding-a-life-you-love-with-christine--75651001146d370c5ff4424e97df08f59894c461Mon, 22 Jul 2019 01:00:00 +0000vasderMost newlyweds worry about merging their Netflix accounts. Christine Huey and her husband watched 85% of their income vanish six weeks after the wedding—$115,000 gone overnight. Instead of spiraling, they turned a financial crisis into the launchpad...2942building credit score,credit,entrepreneurship,financial planning for familie,insurance,kids & family finance,life insurance,roth irafalse137fullhttps://www.spreaker.com/episode/silver-spoon-or-skills--7565089916ddaa2cf34f45f08298153d813aa113Fri, 19 Jul 2019 01:00:00 +0000vasderWhat if paying your kid to work for you could slash your tax bill and set them up for life? Brad and Jonathan break down a little-known strategy that lets parents reduce taxable income, skip payroll taxes, and teach their children entrepreneurship—all...2891financial mindset,kids & family finance,personal financial healthfalse136fullhttps://www.spreaker.com/episode/136-how-to-fund-your-child-s-roth-ira-and-other-tax-strategies--75650669f66679808b9044d6b05cec97e3366042Mon, 15 Jul 2019 01:00:00 +0000vasderTax laws don't exist in a vacuum — they shape every dollar you earn, save, donate, and invest. When Sean Mullaney, an accountant who speaks the language of financial independence, deep-dives the intersection of tax strategy and FI, he reveals moves...3570capital gains tax,commercial real estate,estate tax planning,ira rollovers,real estate financing,real estate law,real estate market trends,retirement planning,retirement tax planning,self-employment tax,tax credits,tax deductions,tax filing tips,tax planning,tax strategies,wealth managementfalse136fullhttps://www.spreaker.com/episode/the-plot-thickens--75650873393aef23eb5d4a06b757fe8cc77e4cd7Fri, 12 Jul 2019 01:00:00 +0000vasderYou should be maxing out your savings rate—or that's what everyone tells you. But what if you don't make six figures? A high school graduate earning $40,000 proves you can accelerate toward financial independence through house hacking and...3201fi fundamentals,insurance,life insurance,retirement lifestyle,retirement planningfalse135fullhttps://www.spreaker.com/episode/how-to-leverage-a-modest-income-with-joel-from-how-to-money--75650842085d1ea480834ce2bec361e73530ec6eMon, 08 Jul 2019 01:00:00 +0000vasderWatching his parents lose everything in bankruptcy at 12 flipped Joel Larsgaard's entire relationship with money—but not in the way you'd expect. Instead of pursuing high-paying work, he chose passion over paychecks, earning in the low $20Ks while...2880budgeting,building credit score,credit,insurance,irregular income budgeting,life insurance,money mindset,personal financial health,retirement age planning,retirement planning,savings moneyfalse135fullhttps://www.spreaker.com/episode/quit-like-a-millionaire--75650769aa6d14f2c9804b32be2aa29c97cb61aaFri, 05 Jul 2019 01:00:00 +0000vasderWhat if the path out of poverty isn't what you think it is? Bryce and Christy from Millennial Revolution grew up in poverty in China, where throwing money at problems wasn't an option — creativity was their only currency. That scarcity forced a mental...3862fi fundamentals,house hackingfalse134fullhttps://www.spreaker.com/episode/early-retirement-case-study-with-route-to-retire--75650951e44bd64818d2458b843a90e028a9ce1cMon, 01 Jul 2019 01:00:00 +0000vasderAfter 19 years at a single employer, most people are eyeing decades more before retirement — Jim White walked away at the end of 2018 with enough to fund a new life in Panama. His story isn't about a six-figure tech salary, a viral side hustle, or a...3370credit cards,debt management,early retirement,healthcare in retirement,mortgage loans,mortgage refinancing,retirement age planning,retirement fundamentals,retirement lifestyle,retirement planning,retirement savings goals,retirement tax planning,retirement withdrawal strategi,tax planningfalse134fullhttps://www.spreaker.com/episode/should-you-invest-or-pay-off-your-mortgage--75651041eec1f7cbd0e2458192fddbd412e2220dFri, 28 Jun 2019 01:00:00 +0000vasderPaying down your mortgage early feels responsible—but what if it's mathematically wrong? Brad and Jonathan tackle the question that splits the FI community in half: should you aggressively pay off your home loan or invest that extra cash in something...3819capital gains tax,credit cards,debt management,house hacking,investing,investment strategies,mortgage loans,mortgage refinancing,retirement age planning,retirement planningfalse133fullhttps://www.spreaker.com/episode/how-to-get-started-making-money-with-airbnb-with-zeona-mcintyre--75650871d75b984bffe1493bada84845dff58dcdSun, 23 Jun 2019 20:00:00 +0000vasderA simple house hack turned into a 25-property empire—with zero real estate experience and no bank loans. Zianna McIntyre started by subletting a spare bedroom on Airbnb to cover her rent. Within a few years, she'd bootstrapped her way to financial...3883building credit score,credit,personal financial health,real estate,savings moneyfalse133fullhttps://www.spreaker.com/episode/insurance-a-framework--75651005921be04b7709434bb047b8e4a2bf768dThu, 20 Jun 2019 20:00:00 +0000vasderFinancial independence isn't really about hitting a number on a spreadsheet. Jonathan's move to a new neighborhood sparked an unexpected realization: the warmth of a borrowed cup of sugar matters more than perfectly optimized asset allocation. He and...3699auto insurance,disability insurance,health insurance,homeowners insurance,insurance,insurance explained,insurance & protection,ira rollovers,life insurance,long-term care insurance,pet insurance,renters insurance,retirement planning,retirement tax planning,self-employment tax,tax credits,tax deductions,tax planning,travel insurance,umbrella insurancefalse132fullhttps://www.spreaker.com/episode/downsizing-your-life-and-financial-coaching-with-lisa-duke--75650872deb351dd4d874fa0a4c6ab7a3d19613bSun, 16 Jun 2019 20:00:00 +0000vasderMost people think downsizing means giving up—Lisa Duke proved it meant gaining everything that mattered. After the 2008 recession exposed the emptiness of her lavish lifestyle, she and her husband made a radical shift: they downsized their home, sold...3409asset allocation,early retirement,financial mindset,frugal living,insurance,investment strategies,life insurancefalse132fullhttps://www.spreaker.com/episode/building-a-brick-in-your-wall--75650902a73032f6d90c438c849e913e5a1efea2Fri, 14 Jun 2019 01:00:00 +0000vasderMost people think compounding means exponential wealth growth. But you might be using the term wrong—and that's costing you clarity on how your money actually grows. Brad and Jonathan tackle listener questions on everything from the mechanics of...3295budgeting,building credit score,credit,financial mindset,investingfalse131fullhttps://www.spreaker.com/episode/mr-money-mustache-on-building-the-fi-movement-mr-1500--7565094161f1c897a25843eba1747d85240e1561Sun, 09 Jun 2019 20:00:00 +0000vasderLeading by example changes minds more effectively than preaching — a reality Mr. Money Mustache and Mr. 1500 discovered after influencing millions toward financial independence. Pete and Carl join Brad and Jonathan to reflect on seven years of...4590building credit score,credit,early retirement,healthcare in retirement,investing,personal financial health,retirement age planning,retirement fundamentals,retirement lifestyle,retirement planning,retirement savings goals,retirement tax planning,savings money,tax planningfalse131fullhttps://www.spreaker.com/episode/simplifying-the-ultimate-buy-and-hold-strategy-with-m1-finance--756509737fb55aa428a94487ac5f81e52eb21f13Fri, 07 Jun 2019 01:00:00 +0000vasderSwitching investment strategies mid-course destroys more wealth than choosing the wrong portfolio from day one. Jonathan Mendonsa and Brad Barrett unpack Paul Merriman's ultimate buy-and-hold strategy and reveal why the community surrounding financial...2858budgeting,investing,irregular income budgeting,personal financial health,retirement age planning,retirement planning,savings moneyfalse130fullhttps://www.spreaker.com/episode/130-the-ultimate-buy-and-hold-portfolio-strategy--75650961823b535d5058488fa6befc407ecea2abSun, 02 Jun 2019 20:00:00 +0000vasderMost investors settle for market returns—but what if deliberately tilting your portfolio toward historically undervalued, overlooked companies could tilt the odds in your favor? Brad and Jonathan sit down with investment educator Paul Merriman to...4500investing,investment portfolio,personal financial health,savings money,wealth managementfalse130fullhttps://www.spreaker.com/episode/focused-work-ethic--75650972ff8b127fa8334d17b6048147387276c6Fri, 31 May 2019 01:00:00 +0000vasderMost people think excelling at your job is enough to advance your career — but what if that's precisely what keeps you stuck in place? When you're the fastest widget maker, they'll probably keep you making widgets. Brad and Jonathan unpack key...2835auto insurance,disability insurance,earning more,health insurance,homeowners insurance,insurance,insurance explained,life insurance,long-term care insurance,pet insurance,renters insurance,travel insurance,umbrella insurancefalse129fullhttps://www.spreaker.com/episode/breaking-the-glass-ceiling-with-liz--75650940cbe66481231f46d08e2686e968aa453aSun, 26 May 2019 20:00:00 +0000vasderMost people who broke into six figures didn't start there — and thinking they're somehow "different" is the first barrier to getting there yourself. Liz, the voice behind Chief Mom Officer, spent years in a low-paying call center role before...2867earning more,investment portfolio,wealth managementfalse129fullhttps://www.spreaker.com/episode/expand-your-zone-of-awareness--75650918e836312429af40be9bcac63d6bd82262Fri, 24 May 2019 01:00:00 +0000vasderMLMs promise wealth through recruitment, but 99% of participants lose money. Jonathan and Brad share their recent experiences with these predatory schemes and explain why the business model is fundamentally broken—you're not selling products, you're...3541career growth,financial mindset,money mindset,networking,volunteeringfalse128fullhttps://www.spreaker.com/episode/128-how-entrepreneurship-creates-financial-security--75650729e1cb2bf6929c445ca41838b473e553dfSun, 19 May 2019 20:00:00 +0000vasderMost people follow a script written by someone else—get good grades, climb the corporate ladder, defer dreams until retirement. What if the entire premise is backwards? Alan Donegan joins Brad and Jonathan to discuss how financial independence creates...3202building credit score,career growth,credit,earning more,networking,volunteeringfalse128fullhttps://www.spreaker.com/episode/cutting-through-the-noise-of-dieting-and-debt--7565079168e4495c5fec41a0b2838a336daca104Fri, 17 May 2019 01:00:00 +0000vasderYou're paying for the cheapest health insurance plan, but one major expense could wipe out everything you've saved. Brad and Jonathan tackle two listener questions that seem unrelated at first — how to optimize your health and how to escape the debt...3075credit card debt,credit cards,debt avalanche method,debt consolidation,debt management,debt management strategies,debt negotiation,debt snowball method,insurance,life insurance,lifestyle designfalse127fullhttps://www.spreaker.com/episode/how-to-optimize-your-health-with-dr-scott-sherr--75650906335006b616ce41719e9b0c14b12cea43Sun, 12 May 2019 20:00:00 +0000vasderMedical professionals who pursue financial independence often let their health slide—until one doctor discovered that optimizing cellular function through oxygen therapy could reverse decades of decline. Scott Sherr, a physician specializing in...4654credit card debt,credit cards,debt avalanche method,debt consolidation,debt management,debt management strategies,debt negotiation,debt snowball method,health insurance,health & wellness,insurance,personal financial healthfalse127fullhttps://www.spreaker.com/episode/what-is-an-annuity--75650879f50ffb44dd88487d9fc5323076b790dbFri, 10 May 2019 01:00:00 +0000vasderYour recent annuity purchase might have just locked you into fees that could cost you tens of thousands over your lifetime—but you're not alone in missing the fine print. Gene wrote to Brad and Jonathan after buying an annuity, uncertain if she made...3766building credit score,community,credit,personal financial health,savings moneyfalse126fullhttps://www.spreaker.com/episode/estate-planning-with-estate-lawyer-mark-moss--756509958f41d803eda048be8d36ccc75ccd46bfSun, 05 May 2019 20:00:00 +0000vasderMost people wait until they're wealthy or retired to start estate planning—but attorney Mark Moss argues that's already too late. Understanding estate planning helps prevent confusion for loved ones after you're gone, protects assets from unnecessary...3453annuities,commercial real estate,estate tax planning,financial planning for familie,investing,real estate financing,real estate law,real estate market trends,retirement age planning,retirement planning,retirement tax planning,tax planning,wealth management,wealth succession planningfalse126fullhttps://www.spreaker.com/episode/optimize-your-online-grocery-shopping--75650984f0df1b063a104b398a5fe8e16f80e7f9Fri, 03 May 2019 01:00:00 +0000vasderYour spouse might be planning your surprise party three months early because she knows you're too detail-oriented to fool otherwise. Jonathan's wife Laura pulled off the impossible — a genuine surprise for someone who notices everything — by...3096entrepreneurship,money psychology,scams,spending smarterfalse125fullhttps://www.spreaker.com/episode/the-family-emergency-binder--75650888e961cd60816e4cc4aa7b447883870fa1Sun, 28 Apr 2019 20:00:00 +0000vasderWalking away from $450,000 a year sounds insane — unless you've already done the math on what your time is really worth. Chelsea Brennan's decision to leave her hedge fund career wasn't about reaching financial independence first; it was about...3580budgeting,emergency funds,estate planning,family budgeting,health insurance,insurance,personal financial healthfalse125fullhttps://www.spreaker.com/episode/your-blueprint-to-financial-independence--75650932e6780498dee3446e8a13dd52477ad19aThu, 25 Apr 2019 20:00:00 +0000vasderLynne Frayer started investing at age 12—then beat a brain tumor and still retired early. Brad and Jonathan share her story alongside book updates, DIY cost-cutting tricks, and listener questions on insurance shopping and creative housing...3538budgeting,fi fundamentals,frugalityfalse124fullhttps://www.spreaker.com/episode/dirtbag-millionaire-with-chris-mamula--7565101778bea5742c1548178e2440e6e26dff56Sun, 21 Apr 2019 20:00:00 +0000vasderA commission-based advisor quietly drained tens of thousands from a couple's portfolio over a decade—even as they saved 50% of their income and did "everything right." Chris Mamula, a former physical therapist who retired in his late 30s, shares how...3047building credit score,credit,money mindsetfalse124fullhttps://www.spreaker.com/episode/hail-mary-fi--75651161affbd0d545a042188de5a40464407c37Fri, 19 Apr 2019 01:00:00 +0000vasderAttending a documentary screening can feel like watching someone else's highlight reel — until you realize the people on screen made the exact same mistakes you did. Brad and Jonathan tackle a roundup spanning the upcoming "Plane with Fire"...2973commercial real estate,estate tax planning,financial planning for familie,insurance & protection,real estate financing,real estate law,real estate market trends,retirement age planning,retirement planning,retirement tax planning,tax planning,wealth management,wealth succession planningfalse123fullhttps://www.spreaker.com/episode/123-financial-independence-challenges-for-black-americans--75650936a50f46ab21a24e00b74335b028b82b90Mon, 15 Apr 2019 01:00:00 +0000vasderMost people assume financial independence is equally accessible to everyone—but what if the playing field was never level to begin with? Jillian and Kirsten from richandregular.com challenge this assumption by exploring how historical barriers shape...3040frugality,investingfalse123fullhttps://www.spreaker.com/episode/learn-more-about-dividend-investing--756510116c0c96299e164817809a153abf6b54d4Fri, 12 Apr 2019 01:00:00 +0000vasderCongratulations — you just found the single most efficient way to drain your portfolio before you even touch the principal. Brad and Jonathan tackle the dividend-investing obsession head-on, sorting through the promises and pitfalls with guest Brian...3868budgeting,dividend stocks,growth investing,house hacking,investing,investing 101,investment strategies,personal finance for students,saving vs. investing,stock market analysis,tax-advantaged investing,value investing,wealth managementfalse122fullhttps://www.spreaker.com/episode/122-should-you-invest-in-dividend-stocks--75651079dc1ca60cb658427e86133bd7a2d2f403Mon, 08 Apr 2019 01:00:00 +0000vasderCraig learned the fundamentals of investing not in a classroom, but during an unpaid internship at Merrill Lynch — a crash course in capital markets that would shape his entire financial philosophy. Now, as his blog name promises, he's racing against...3956dividend stocks,growth investing,investing,investing 101,investment strategies,job search,saving vs. investing,stock market analysis,tax-advantaged investing,value investing,wealth management,work-life balancefalse122fullhttps://www.spreaker.com/episode/how-to-get-any-job--75651015cb3de87e4b8b4d25b74e423be788a6ddFri, 05 Apr 2019 01:00:00 +0000vasderMost job seekers waste time on online applications that vanish into black holes. Chris Hutchins reveals a framework for bypassing the resume pile entirely and getting in front of decision-makers — whether or not the company is even hiring. This...3300budgeting,earning more,emergency funds,family budgeting,personal financial healthfalse121fullhttps://www.spreaker.com/episode/tread-lightly-on-the-path-to-fi--75651089c40980cc99e24982a7e59757d3322498Sun, 31 Mar 2019 20:00:00 +0000vasderAngela Rosman negotiated her college scholarship from $9,000 to $12,000 per year — simply by asking. That single conversation saved her thousands in student loans and planted the seed for a life built on strategic choices that align personal values...4129earning more,income generation,negotiation,travel lifestylefalse121fullhttps://www.spreaker.com/episode/finding-the-range--75650933fc5639f4310f47aa8d3f524773c843a9Fri, 29 Mar 2019 01:00:00 +0000vasderYou've probably been told salary negotiation matters—but do you actually know where your compensation sits in its range? Most people discover they're underpaid only after leaving a job, kicking themselves for not asking sooner. Brad and Jonathan break...3248community building,earning more,fire movement,income generation,personal growthfalse120fullhttps://www.spreaker.com/episode/120-your-money-and-your-relationships--75651004f2d866976dcb4bb6b0b010ff0db33491Sun, 24 Mar 2019 20:00:00 +0000vasderMoney silence might be costing you more than you think — especially if you're avoiding the one conversation that could reshape your entire financial future. Jean Chatzky joins Brad and Jonathan to explore why we've made money the last taboo, how that...3895community building,money mindset,money psychology,personal financial health,personal growth,savings moneyfalse120fullhttps://www.spreaker.com/episode/position-of-strength--75650764a0e4c08afe7b44c7882888c77e825ebaFri, 22 Mar 2019 01:00:00 +0000vasderMedical bills negotiable? Most people accept the first number they see—and quietly overpay by thousands. Brad and Jonathan tackle listener questions on negotiation tactics, career pivoting, reading lists that actually change behavior, and why...3266dividend stocks,growth investing,investing 101,investment strategies,salary negotiation,saving vs. investing,stock market analysis,tax-advantaged investing,value investing,wealth managementfalse119fullhttps://www.spreaker.com/episode/119-everything-is-negotiable--756510061de22f9f9f8249abae7a1ad81d077db2Mon, 18 Mar 2019 01:00:00 +0000vasderMost people assume $100,000 in medical debt is a life sentence. Mr. Refined negotiated his way out — and tripled his net worth in the process. Meeting Mr. Refined at FinCon 2018 revealed a compelling truth: the path to financial independence looks...4220dividend stocks,growth investing,investing 101,investment strategies,saving vs. investing,spending smarter,stock market analysis,tax-advantaged investing,value investing,wealth managementfalse119fullhttps://www.spreaker.com/episode/what-is-socially-responsible-investing--7565073330686dd4a7404b6681fef0fa26ac2fedThu, 14 Mar 2019 20:00:00 +0000vasderSpending $100 on a professional resume review could unlock a $10,000 salary increase—yet most job seekers never do it. Brad and Jonathan tackle listener questions on skill acquisition, networking hacks, and the surprisingly high ROI of resume...2970couples finance,growth investing,investing,investing 101,investment strategies,retirement planning,saving vs. investing,social security benefits,tax-advantaged investing,value investing,wealth managementfalse118fullhttps://www.spreaker.com/episode/from-financial-infidelity-to-his-her-money--75650994cda929e8c3bf4de093e905e95d11c6c8Sun, 10 Mar 2019 20:00:00 +0000vasderMost couples hide small purchases from each other — but Talit was sitting on $30,000 in secret debt when he proposed to his wife. That confession nearly ended their engagement before it began, yet five years later they owned their home free and clear....3220growth investing,investing 101,investment strategies,money mindset,personal financial health,retirement planning,savings money,saving vs. investing,social security benefits,tax-advantaged investing,value investing,wealth managementfalse118fullhttps://www.spreaker.com/episode/making-the-case-for-part-time-with-bradley-rice--75650948ce859b7422454d869048b9904c42d1e4Sun, 03 Mar 2019 19:00:00 +0000vasderBradley Rice walked away from a high-paying job the moment his daughter was born—and then doubled his income while working half the hours. That pivot hinged on one skill he didn't realize was a golden ticket: Salesforce expertise. Rice shares exactly...3615debt,house hackingfalse117fullhttps://www.spreaker.com/episode/creating-your-dream-job--7565094202812b1daded4eed97199e17e0828c95Sun, 03 Mar 2019 19:00:00 +0000vasderIf your income hasn't budged in 30 years, you're coasting — and coasting rarely builds wealth. Brad's BBC feature — racking up over 2 million views — caught fire because it showed something people thought impossible: an ordinary family in their...3320early retirement,frugality,house hacking,lifestyle design,student loan repaymentfalse117fullhttps://www.spreaker.com/episode/escape--756511868a342760243542f9b025e07a9db6cc57Fri, 01 Mar 2019 01:00:00 +0000vasderMost people assume escaping a toxic workplace requires years of grinding and sacrifice. Wendy slashed her family's food budget so dramatically she compressed her timeline to freedom—without eating ramen every night. This roundup episode tackles...3567fi fundamentals,personal financial health,savings moneyfalse116fullhttps://www.spreaker.com/episode/adoption-fflc-the-house-of-fi-wendy-mays--756510220ffc12c1db914e16917dc63b1d1f376cMon, 25 Feb 2019 01:00:00 +0000vasderA high-earning lawyer with six kids and mounting debt saw no way out — then discovered a community that changed everything. Wendy Mace was making excellent money as an attorney but had nothing to show for it. With six children, including four adopted,...3229debt negotiation,earning more,financial mindset,house hackingfalse116fullhttps://www.spreaker.com/episode/how-to-get-out-of-debt--756508293b4a2bb608734be186f649cfc1a47981Fri, 22 Feb 2019 01:00:00 +0000vasderWhat if losing your job became an opportunity instead of a crisis? Brad's wife was unexpectedly fired — but instead of panic, they found themselves reflecting on the power of financial independence. This episode tackles debt elimination, the...3275career growth,community building,credit card debt,credit cards,debt avalanche method,debt consolidation,debt management,debt management strategies,debt negotiation,debt snowball method,earning more,work-life balancefalse115fullhttps://www.spreaker.com/episode/poverty-divorce-and-fi-by-43-bonnie-truax--756511244c0548c787f6498ca576f47d06f534ebMon, 18 Feb 2019 01:00:00 +0000vasderAfter rebuilding from serious debt twice—once in a low-income childhood, again after a financially disastrous marriage—Bonnie and her husband Trinity achieved a 75% savings rate and retired to travel the world. Her story proves you don't need a...3333fi fundamentals,personal financial health,savings moneyfalse115fullhttps://www.spreaker.com/episode/fine-tuning-the-college-equation-psat-and-national-merit-scholarship--7565089589dd84ba667c4beb8d5657c9bec55d57Fri, 15 Feb 2019 01:00:00 +0000vasderThe "prestige" college narrative says you need elite schools and perfect grades to succeed—but what if you could graduate debt-free from a quality institution without being a straight-A student? This episode tackles how families can navigate college...3915budgeting,money mindsetfalse114fullhttps://www.spreaker.com/episode/114-how-to-win-college-scholarships--7565105978e8a2d3936242c8bb3ff2a52c480d50Sun, 10 Feb 2019 19:00:00 +0000vasderStudent loan debt can derail financial independence for decades — even for people with perfect résumés. Brian Eufinger joins Brad and Jonathan to show how families can avoid that trap entirely through strategic college planning. Starting as early as...4590credit card debt,credit cards,debt,debt avalanche method,debt consolidation,debt management,debt management strategies,debt negotiation,debt snowball methodfalse114fullhttps://www.spreaker.com/episode/making-your-retirement-plan-bullet-proof-tanja-hester--75651051e4dcd93245814b0f901220cf697ba782Fri, 08 Feb 2019 01:00:00 +0000vasderBrad's solar panels in Richmond are projected to return 9.6% annually — a figure that challenges the typical "index funds only" mindset in the FI community. This episode also features Tanya Hester from Our Next Life, who opens up about her first 15...4070early retirement,healthcare in retirement,house hacking,money mindset,retirement age planning,retirement fundamentals,retirement lifestyle,retirement planning,retirement savings goals,retirement tax planning,tax planningfalse113fullhttps://www.spreaker.com/episode/planned-obsolescence--75651116a184097b9ee142a28b485d390f15ee78Fri, 01 Feb 2019 01:00:00 +0000vasderMost consumer products aren't built to last — they're built to break so you'll buy again. That's planned obsolescence, and Jonathan opens this mashup episode with a personal frustration: replacing every toilet mechanism in his house for the second...3324financial planning for familie,kids & family finance,personal finance for studentsfalse112fullhttps://www.spreaker.com/episode/naseema-financially-intentional-how-i-paid-off-1-million-in-debt--7565120142c6b315883b46f4a663521296dcfa1fMon, 28 Jan 2019 01:00:00 +0000vasderEarning $300,000 but still living paycheck to paycheck sounds absurd — yet it's the reality Nasima found herself trapped in before everything changed. Her transformation from drowning in a million dollars of debt to achieving financial freedom in just...2940budgeting,credit card debt,credit cards,debt avalanche method,debt consolidation,debt management,debt management strategies,debt negotiation,debt snowball method,financial planning for familie,kids & family financefalse112fullhttps://www.spreaker.com/episode/make-the-impossible-possible--756512491b2c0da4360a400e80dd035ecb913249Sun, 20 Jan 2019 19:00:00 +0000vasderThe father in the gymnastics video spent a year learning backflips and splits—not for himself, but to spend meaningful time with his daughter. That's the kind of commitment that separates dreamers from doers. This mashup covers multiple angles on...3506early retirement,healthcare in retirement,investing,retirement age planning,retirement fundamentals,retirement lifestyle,retirement planning,retirement savings goals,retirement tax planning,tax planningfalse111fullhttps://www.spreaker.com/episode/the-lost-decade-from-prison-to-fi-wealth-well-done--75651052fb97ac982e4e4ccdbece63b28ef6156cSun, 20 Jan 2019 19:00:00 +0000vasderBilly spent 10 years behind bars and walked out with nothing — no money, no job prospects, and a criminal record that would follow him forever. Most people would see that as the end of the road. He saw it as a starting line. Today, his net worth...2908earning more,insurance,life insurance,retirement lifestyle,retirement planning,wealth management,wealth preservation,wealth succession planningfalse111fullhttps://www.spreaker.com/episode/change-the-input--7565128329a23999a634499b8c9f43e0f11bf1d0Fri, 18 Jan 2019 01:00:00 +0000vasderMost people think getting out of debt requires a major windfall or years of sacrifice. Cody wiped out $83,000 in consumer debt in just two years by changing one thing: he stopped making excuses and took ownership of his spending. Jonathan and Brad...3485budgeting basics,fi fundamentalsfalse110fullhttps://www.spreaker.com/episode/a-millionaire-next-door-case-study-rocky-lalvani--756511592dc4f498c16941278a7098fdb1b248b3Mon, 14 Jan 2019 01:00:00 +0000vasderRocky's parents landed in America with $25 in their pockets—and built a millionaire mindset from scratch. The host of the Richer Soul podcast traces his family's immigrant story and the multi-generational financial lessons that shaped his path to FI....3833career growth,earning more,entrepreneurship,income generationfalse110fullhttps://www.spreaker.com/episode/bear-perspective--75651014af0d71ddc8a54807a8452229b88533a0Fri, 11 Jan 2019 01:00:00 +0000vasderWhat if a single market dip could actually accelerate your path to financial independence? This mashup episode brings together listener questions on international teaching salaries, personal fitness accountability, and market volatility—with Early...4225family dynamics,spending,spending smarterfalse109fullhttps://www.spreaker.com/episode/109-international-teaching-opportunities-for-financial-independence--756510980a5cbf47da9348edb5398cb24aa72c55Mon, 07 Jan 2019 01:00:00 +0000vasderMost Americans spend decades in the same classroom, watching savings trickle in at $100 or $200 a month. Scott was one of them — until his brother's email from an international school in South America changed everything. Teaching abroad presents...3797goal achievement,meaningful living,money mindsetfalse109fullhttps://www.spreaker.com/episode/how-to-calculate-your-savings-rate--756510285d5ee2c08d5b43a69a907c98d3c9bd5cFri, 04 Jan 2019 01:00:00 +0000vasderYour family's entire annual leave could vanish on a single trip—if you're lucky enough to take it at all. Jonathan just spent 20 days in Zimbabwe with his wife's family, more time than he was previously allowed in a full year. But this episode isn't...3630budgeting,credit card debt,credit cards,debt,debt avalanche method,debt consolidation,debt management,debt management strategies,debt negotiation,debt snowball method,personal financial health,retirement planning,retirement savings goals,savings first,savings money,saving vs. investingfalse108fullhttps://www.spreaker.com/episode/108-setting-up-a-special-needs-trust--756507923af3f3d5998a46068d01f51913ae924dMon, 31 Dec 2018 01:00:00 +0000vasderMost people think a 529 plan is just for college savings — but there's a lesser-known variant that can change everything for families with disabled children. William became a widower at 36, raising two kids with special needs while working full-time....3711financial goal setting,fitness,investing,personal financial health,special needs,teacher,trust funds,wealth managementfalse108fullhttps://www.spreaker.com/episode/the-one-thing-2018-end-of-year-episode--7565138795bb7c7b16c3425296f3cabbb0b87500Fri, 28 Dec 2018 01:00:00 +0000vasderMost people think tracking meal costs is about penny-pinching — it's actually the difference between guessing at savings and engineering them. Danny wraps up the year with a practical end-of-year financial checklist, paired with community voicemails...3884family budgeting,financial mindset,money mindsetfalse107fullhttps://www.spreaker.com/episode/entrepreneur-case-study-craig-attkinson-greenside-up-landscaping--7565115005d9473c3f054317acc64d632c03f57fSun, 23 Dec 2018 19:00:00 +0000vasderMost entrepreneurs dream of escaping the grind, but Craig Atkinson walked away from the golf course industry at 22 with nothing but childhood lawn-mowing savings and a handful of contracts. By 24, he'd hired his first employee. Today, he runs...2783career transition,job search,nomads and expats,teacher,travel lifestylefalse107fullhttps://www.spreaker.com/episode/agency--75651212c0120a15b5354230bce7a1dc5904a2d2Fri, 21 Dec 2018 01:00:00 +0000vasderMost parents think their kids need more money to succeed. According to one listener's powerful realization, children actually crave something money can't buy—your undivided presence. Brad and Jonathan tackle a roundup of listener voicemails covering...2777budgeting,fi fundamentals,personal financial health,retirement age planning,retirement planning,retirement savings goals,savings first,savings money,saving vs. investingfalse106fullhttps://www.spreaker.com/episode/from-addiction-to-fi-ms-fiology--75651093d354d3556952456086f326ba7332b00fMon, 17 Dec 2018 01:00:00 +0000vasderAt rock bottom in her mid-30s after losing nearly two decades to addiction, Deanna faced a choice: stay stuck or rebuild everything from scratch. Most people hearing her story ask the same question she did — is it too late? Her answer might surprise...3340financial goal setting,insurance & protection,personal financial health,trust funds,wealth managementfalse106fullhttps://www.spreaker.com/episode/solar-panel-cost-analysis--756512144686ae50e2094f75bafd5e02f5f48d8eFri, 14 Dec 2018 01:00:00 +0000vasderA 12% rate of return that also slashes your electric bill — that's what solar panels can deliver when structured right. Brad and Jonathan break down travel reward strategies and solar investments in this roundup episode, pulling insights from Paula...3590budgeting,financial goal setting,frugality,market trend analysis,sector analysis,stock market analysis,technical analysis,year end winsfalse105fullhttps://www.spreaker.com/episode/105-you-can-afford-anything-but-not-everything--7565107598fb350421bc436fa772252085281820Mon, 10 Dec 2018 01:00:00 +0000vasderMost people think financial freedom requires a high salary or a trust fund. Paula Pant proved them wrong by house hacking her way out of a 9-to-5 while freelancing on the side—all sparked by a free study abroad trip to Japan that changed everything....4220money mindset,retirement age planning,retirement planningfalse105fullhttps://www.spreaker.com/episode/travel-rewards-end-of-year-planning--7565111270844f00c3eb4e8ea8d20e9c67d9e27eFri, 07 Dec 2018 01:00:00 +0000vasderBillfixer.com claims they've saved customers over $3 million on monthly bills — but is outsourcing your bill negotiations actually worth the 50% cut they take from your first-year savings? This episode explores bill negotiation services alongside...3666career transition,earning more,entrepreneurship,estate tax planning,financial planning for familie,insurance,minimalism,retirement age planning,retirement planning,retirement tax planning,tax planning,travel insurance,wealth management,wealth succession planningfalse104fullhttps://www.spreaker.com/episode/advice-to-my-younger-self-diversefi--75651180cce02b3487234a2789290d9258d58d4fMon, 03 Dec 2018 01:00:00 +0000vasderA hospice doctor who achieved financial independence still can't bring himself to quit medicine. Doc G has enough money to walk away from his career — but years of documenting his journey on his blog reveal a deeper struggle with identity, purpose,...3143market trend analysis,sector analysis,spending smarter,stock market analysis,technical analysisfalse104fullhttps://www.spreaker.com/episode/the-apprentice--756511775071751178074f0f935ed03a5737231bThu, 29 Nov 2018 19:00:00 +0000vasderThe satisfaction-to-effort ratio of changing a doorknob yourself might seem trivial until you realize it's the gateway skill that leads to building your own chicken coop—and keeping thousands of dollars in your pocket instead of handing it to...3125budgeting,debt snowball method,earning more,financial habits,financial mindsetfalse103fullhttps://www.spreaker.com/episode/103-the-trades-path-to-financial-independence--7565127165ad37c25e3a4fc1885c2e83ed5c9d61Mon, 26 Nov 2018 01:00:00 +0000vasderMost financial independence surveys don't show electricians, plumbers, or carpenters — yet these tradespeople can earn $70+ per hour without student debt. This is the FI path hiding in plain sight. Tinian Crawford (Captain DIY) walks through the...3295earning more,entrepreneurshipfalse103fullhttps://www.spreaker.com/episode/the-triple-tax-savings-of-health-savings-account--7565113874a8c8703cb4408ea780a7a4fc266aa6Fri, 23 Nov 2018 01:00:00 +0000vasderMost people think Health Savings Accounts are just another medical expense buffer. What if they're actually a stealth retirement weapon with triple tax advantages that outperform traditional 401(k)s? Jonathan and Brad break down the mechanics of HSAs...3025budgeting,capital gains tax,estate tax planning,frugality,health insurance,insurance,personal financial health,retirement planning,retirement savings goals,retirement tax planning,savings first,savings money,saving vs. investing,self-employment tax,self help,tax credits,tax deductions,tax filing tips,tax planning,tax strategiesfalse102fullhttps://www.spreaker.com/episode/from-90k-of-debt-to-6-figure-side-hustle-timika--75651160a0d2b02532bc46b69fdf2ac072a63440Mon, 19 Nov 2018 01:00:00 +0000vasderMost people trying to shed $94,000 in student loans would cut back and hunker down. Tameka bought a lice clinic instead. That's right—while juggling nursing shifts and raising a family, she turned a messy problem into a profitable business that...2886budgeting,capital gains tax,credit card debt,credit cards,debt avalanche method,debt consolidation,debt management,debt management strategies,debt negotiation,debt snowball method,estate tax planning,retirement planning,retirement savings goals,retirement tax planning,savings first,self-employment tax,side hustles,tax credits,tax deductions,tax planningfalse102fullhttps://www.spreaker.com/episode/side-hustle-coaching-series-part-4--756510940e129616cd7d4a4d9732e05eb1b59bbfFri, 16 Nov 2018 01:00:00 +0000vasderRelying on a single paycheck might feel safe, but what if that stability is actually your biggest financial risk? Jonathan and Brad share how treating entrepreneurship as a series of experiments—not high-stakes gambles—can unlock income streams you...3094financial mindset,investing 101,life after fi,meaningful living,money mindset,personal growthfalse101fullhttps://www.spreaker.com/episode/101-how-to-find-your-side-hustle-idea--756514504a1f72204512461589484f891c93e577Sun, 11 Nov 2018 19:00:00 +0000vasderYou can cut your spending only so far—but income? That ceiling doesn't exist. Nick Loper, host of Side Hustle Nation, walks through three frameworks that turn anyone into an income-generating machine: the intersection method (matching your skills,...3320blue collar,income generation,investing 101,networking,side hustlesfalse101fullhttps://www.spreaker.com/episode/know-the-rules--7565128699a7f32b770e4269831dcf779f6d5231Fri, 09 Nov 2018 01:00:00 +0000vasderMastering complex finance rules — Roth conversions, capital gains harvesting, ACA subsidy cliffs — can unlock thousands in tax savings you're currently leaving on the table. Jonathan and Brad tackle this week's listener questions and stories, from...2629earning more,investing 101false100fullhttps://www.spreaker.com/episode/100-welcome-to-the-fi-community--7565131497f38ea73d38418b9204f230f4775bb1Mon, 05 Nov 2018 01:00:00 +0000vasderMost people think saving a little more or cutting back on lattes will eventually lead to financial freedom. Jonathan and Brad break down why that mindset misses the point entirely — and how shifting focus to your savings rate, not your spending...2951credit card debt,credit cards,debt,debt avalanche method,debt consolidation,debt management,debt management strategies,debt negotiation,debt snowball methodfalse100fullhttps://www.spreaker.com/episode/market-fluctuations-stick-to-your-plan--756510326588eb5146c24bcab9a02411cf09a1d1Fri, 02 Nov 2018 01:00:00 +0000vasderThe Kickstarter campaign for "Playing with Fire" raised over $100,000—more than double its goal. That kind of momentum doesn't happen by accident. It happens when a community rallies behind a shared vision of financial independence. This episode...3931earning more,investing 101,market trend analysis,market volatility,real estate market trends,stock market analysisfalse99fullhttps://www.spreaker.com/episode/generous-giving-on-the-path-to-fi-michael-peterson--75651203cbe9911d776a4d78977de3bd56f95e52Mon, 29 Oct 2018 01:00:00 +0000vasderMichael Peterson doesn't just live off his food concessions business—he also lives in a shipping container for half the year, spending the rest of his time doing ministry work in El Salvador. Michael's story demonstrates that financial independence...3445capital gains harvesting,charitable giving,community building,fi fundamentals,financial planning,insurance,pet insurance,roth ira,wealth managementfalse99fullhttps://www.spreaker.com/episode/a-cautionary-tale-in-hyperdebt--756511442fc70abd314a4380a2b932844bc08e29Fri, 26 Oct 2018 01:00:00 +0000vasderThe best checking account for international travel reimburses every ATM fee—but most travelers still don't use it. Foreign transaction fees can drain hundreds from your budget without you noticing, yet a simple account switch eliminates them entirely....3457community,community building,credit card debt,credit cards,debt avalanche method,debt consolidation,debt management,debt management strategies,debt negotiation,debt snowball method,early retirement,financial mindset,savings ratefalse98fullhttps://www.spreaker.com/episode/the-good-dad-project--75651318c997dbe57384461a8e3648af4ee90507Thu, 18 Oct 2018 20:00:00 +0000vasderLarry Hagner's story proves that learning about financial independence doesn't just fix your money—it can overhaul how you show up for your family. The founder of The Good Dad Project came on the show months after his own FI awakening, revealing how...3919charitable giving,insurance,money mindset,pet insurance,wealth managementfalse97fullhttps://www.spreaker.com/episode/the-white-coat-investor-origin-story--75651419b8d01e3a50c240079b654ad59a37c832Sun, 14 Oct 2018 20:00:00 +0000vasderMost doctors graduating medical school face a brutal choice: accept six-figure debt as inevitable, or sacrifice a decade trying to avoid it. Dr. Jim Dawley found a third path—and it had nothing to do with his medical training. Known as the White Coat...3971credit card debt,credit cards,debt,debt avalanche method,debt consolidation,debt management,debt management strategies,debt negotiation,debt snowball methodfalse97fullhttps://www.spreaker.com/episode/the-money-matriarch-of-the-world-the-godfather-of-fi-suze-orman-jlcollinsnh--756512050c91566f812a4ae6a32260751ab07759Fri, 12 Oct 2018 00:30:00 +0000vasderMost financial gurus tell you to save millions before retiring. Suze Orman says you need $10 million. But what if the entire premise is wrong? Brad Barrett and Jonathan Mendonsa sit down with Jim Collins to dissect Orman's recent comments on the FIRE...3469credit card debt,credit cards,debt,debt avalanche method,debt consolidation,debt management,debt management strategies,debt negotiation,debt snowball method,personal financial health,savings moneyfalse96fullhttps://www.spreaker.com/episode/096-how-to-overcome-life-drift-and-live-intentionally--75651257bfa3b219713541ceb43e3d84f2a128dfSun, 07 Oct 2018 20:00:00 +0000vasderNinety-five percent of your thoughts, feelings, and behaviors happen below your conscious awareness — and that invisible autopilot might be steering you away from the life you actually want. Dominick Quartuccio returns to dissect drift: the slow,...4594couples finance,family budgeting,financial goal setting,money mindset,relationshipsfalse96fullhttps://www.spreaker.com/episode/call-to-action--75651174200d5de5345b4d22962709db813cbbf9Fri, 05 Oct 2018 01:00:00 +0000vasderService members collectively leave hundreds of thousands of dollars in unclaimed benefits on the table over their careers—not because they don't qualify, but because nobody told them. Brad and Jonathan field listener responses to their Military Dollar...2781investing,student loan repaymentfalse95fullhttps://www.spreaker.com/episode/095-a-military-path-to-financial-independence--75651308f4e11ec8ccb1456ba81da39f8600b230Sun, 30 Sep 2018 20:00:00 +0000vasderMilitary members earn more than most civilians realize—yet many still live paycheck to paycheck. Military Dollar breaks down why this happens and how service members can leverage unique benefits like the Thrift Savings Plan, Blended Retirement System,...3671military,military benefits,money mindset,personal financial health,savings moneyfalse95fullhttps://www.spreaker.com/episode/transitioning-to-entrepreneurship-a-case-study-in-estimated-taxes--75651223817a06897ab84b78bbcf1e9d5b989ba0Thu, 27 Sep 2018 20:00:00 +0000vasderMost people leaving W-2 jobs have no clue they'll owe the IRS thousands in quarterly payments—and they find out the hard way. Brad walks through exactly how to calculate and avoid penalties on estimated tax payments, including the safe harbor...3213capital gains tax,entrepreneurship,estate tax planning,financial mindset,habits,mindfulness,money mindset,purpose,retirement tax planning,self-employment tax,tax credits,tax deductions,tax filing tips,tax planningfalse94fullhttps://www.spreaker.com/episode/solo-401k-vs-sep-with-waffles-on-wednesday--7565124882b672186d894668bc9fe7271b5e6bceSun, 23 Sep 2018 20:00:00 +0000vasderMost game show winners don't realize they've also won a surprise tax bill. Mr. Waffles discovered this the hard way after winning a Toyota Corolla on 'The Price is Right'—then turning it into $15,000 cash by immediately selling it back to the...4480credit cards,military,military benefits,tax strategiesfalse94fullhttps://www.spreaker.com/episode/other-mountains-to-climb--75651407617f739208ab4813b571cbd2334f1143Thu, 20 Sep 2018 20:00:00 +0000vasderWhen a hurricane is bearing down on your town, your employer expects you to show up anyway — unless you've built enough financial margin to walk away. Amber's story during Hurricane Florence illustrates how a safety cushion transforms workplace...4159financial mindset,military,money mindsetfalse93fullhttps://www.spreaker.com/episode/it-s-not-the-idea-it-s-the-process--75651251b7edc4908a2345b7941c5e5e1370ad5dFri, 14 Sep 2018 01:00:00 +0000vasderA random FI community member connects with another enthusiast while fleeing Hurricane Florence — but that chance encounter wasn't random at all. Jonathan and Brad tackle listener voicemails covering hurricane prep, the struggle teachers face funding...3171capital gains tax,entrepreneurship,estate tax planning,productivity,retirement tax planning,self-employment tax,task management,tax credits,tax deductions,tax filing tips,tax planning,tax strategies,todoistfalse92fullhttps://www.spreaker.com/episode/real-estate-inside-an-ira--7565127652e7681599174576a872e454a83b3cb3Fri, 07 Sep 2018 01:00:00 +0000vasderWant proof that mainstream media can't ignore financial independence anymore? You're literally hearing FI discussed poolside in suburban Virginia. This roundup tackles listener wins, questions, and hot topics across real estate, travel hacking, and...3604commercial real estate,credit cards,estate tax planning,ira rollovers,real estate,real estate financing,real estate law,real estate market trends,retirement planning,tax planning,wealth managementfalse91fullhttps://www.spreaker.com/episode/rich-carey-real-estate-building-a-rental-real-estate-snowball-machine-without-debt--756512535ac2c9c584bb4838b80690406f8c1767Sun, 02 Sep 2018 20:00:00 +0000vasderTwenty rental properties, all owned free and clear — and most people think you need a high-paying tech job to reach financial independence. Air Force Lieutenant Colonel Rich Carey proves them wrong by turning frequent military relocations into a...4722building credit score,commercial real estate,credit,credit card debt,credit cards,debt avalanche method,debt consolidation,debt management,debt management strategies,debt negotiation,debt snowball method,estate tax planning,insurance,long-term care insurance,real estate,real estate financing,real estate law,real estate market trends,tax planning,wealth managementfalse91fullhttps://www.spreaker.com/episode/longest-vacation-ever--756511072c6c1155d2ed4d15970a85abff0b8ad8Thu, 30 Aug 2018 20:00:00 +0000vasderOne listener slashed his tax rate to nearly zero using strategies most people overlook—and he's not alone. This mashup episode tackles everything from Michael's capital gains harvesting win to Brad's month-long European escape, plus a deep dive into...3111budgeting,earning more,networking,vacation budgetingfalse90fullhttps://www.spreaker.com/episode/let-me-check-with-my-accountant--75651457457b222ed0a641bc933fbddc516f9289Fri, 24 Aug 2018 01:00:00 +0000vasderYou were lied to about rental car insurance. Credit card companies and auto insurers already protect you — yet rental counters push redundant coverage you'll never need. Meanwhile, families bleed money to external lenders when they could be funding...3792business,earning more,entrepreneurship,income generationfalse89fullhttps://www.spreaker.com/episode/what-have-you-built--7565111115533c39dafe46a989fee5f8c182e31fFri, 17 Aug 2018 01:00:00 +0000vasderMost people assume a college degree guarantees financial success — but what if running the numbers tells a completely different story? Timestamps & Highlights [00:01:07] Introduction to Career Hacking: Opening the conversation on strategic career...3360family budgeting,index funds,tax strategiesfalse88fullhttps://www.spreaker.com/episode/career-hacking-the-tech-industry-millennial-boss--7565126757d50f9c5a6446989aa04a1ad9b1a934Mon, 13 Aug 2018 01:00:00 +0000vasderA poli sci grad with $25K in student loans transformed that "wrong" degree into a six-figure tech career—then doubled her income again—without going back to school. Jay's path from unemployment to elite tech roles wasn't about credentials or waiting...4254career growth,earning more,house hacking,income generation,insurance,long-term care insurance,networking,side hustlefalse88fullhttps://www.spreaker.com/episode/autonomy-mastery-purpose--75651241f23ccc6e511c431f994c96807d8b28b5Fri, 10 Aug 2018 01:00:00 +0000vasderYour child could graduate college debt-free with a degree in hand before their friends finish senior year of high school. Charlotte and Renata explain how co-op and dual enrollment programs make this possible, revealing strategies that bypass...2936auto insurance,auto loans,credit cards,diet,fitness,health & wellness,insurance,nutritionfalse87fullhttps://www.spreaker.com/episode/education-through-innovation-don-wettrick--756510198b4d6c80a3544e1796b3df46c8844213Sun, 05 Aug 2018 20:00:00 +0000vasderMost classrooms kill creativity by third grade — but Don Wettrick's students file patents, pitch business plans, and speak at Stanford instead. A high school teacher outside Indianapolis threw out traditional lesson plans after watching a Daniel Pink...3372accountability,career growth,money mindsetfalse87fullhttps://www.spreaker.com/episode/pretirement-roger-whitney--75651490c041a7838f1f4171abab5fc7835d51d5Thu, 02 Aug 2018 20:00:00 +0000vasderYour life probably wouldn't change as much as you think with unlimited money and time. That simple question cuts to the heart of financial independence — figuring out what you actually want before you assume you need more resources to get it. Jonathan...3908auto insurance,auto loans,credit cards,early retirement,healthcare in retirement,insurance,money mindset,retirement age planning,retirement fundamentals,retirement lifestyle,retirement planning,retirement savings goals,retirement tax planning,tax planningfalse86fullhttps://www.spreaker.com/episode/a-live-case-study-with-physician-on-fire-and-allison-goddard--75651421cda443a959aa452daa65bf7557776e4fMon, 30 Jul 2018 01:00:00 +0000vasderShe started medical school at 32 after being told it was too late, graduated at 36, finished residency at 39, and just cleared $270,000 in debt at 43. Allison Goddard is proof that the conventional timeline for financial independence doesn't apply to...4512earning more,house hacking,insurance,long-term care insurancefalse86fullhttps://www.spreaker.com/episode/sidehustle-coaching-series-3-learn-to-pitch-and-lean-into-the-uncomfortable-pause--75651444b506b77c264d45748259ff95aeab3fefFri, 27 Jul 2018 01:00:00 +0000vasderCombining your skills and interests can create standout services for overlooked markets—like bringing fitness coaching to people with Parkinson's disease. Jonathan and Brad continue their Side Hustle Coaching Series with Alan and Talis, unpacking how...4994earning more,entrepreneurship,experiential learning,motivation,personal growthfalse85fullhttps://www.spreaker.com/episode/from-passion-to-profit-m-k-williams--75651048a7ff9f42e28e4942b85164ccadb35e18Sun, 22 Jul 2018 20:00:00 +0000vasderMost people think you can't make real money from your creative side hustle until you've "made it." Mary Kate Williams proved that wrong by turning her writing passion into profit while simultaneously tackling $20,000 in student loans. Mary Kate...4027early retirement,healthcare in retirement,investing,retirement age planning,retirement fundamentals,retirement lifestyle,retirement planning,retirement savings goals,retirement tax planning,tax planningfalse85fullhttps://www.spreaker.com/episode/mindset-of-fi--756513412db35ae8d86e4574ada604ae5dac4425Fri, 20 Jul 2018 01:00:00 +0000vasderMost people think playing golf regularly requires a country club membership and a six-figure income. One ChooseFI caller proved that wrong—he plays 100+ rounds per year on a modest budget. Jonathan Mendonsa and Brad Barrett explore the caller's system...3880career growth,earning more,financial mindset,personal financial health,side hustlefalse84fullhttps://www.spreaker.com/episode/montana-money-adventures-and-life-simplification--75651462e6ce4183745146a48316cb495d3a005aSun, 15 Jul 2018 20:00:00 +0000vasderAt age 32, Jillian Johnsrud had $55,000 in debt, earned under $50,000 a year, and was about to adopt three children into her already chaotic household. Instead of collapsing under the weight, she built a life that included paying off all debt,...4393earning more,entrepreneurship,motivation,personal financial health,personal growth,savings moneyfalse84fullhttps://www.spreaker.com/episode/the-hobby-checkbox--756514958a1453545eb542edbca7e3d4eb96ac76Fri, 13 Jul 2018 01:00:00 +0000vasderEvery dollar you earn as a teenager compounds into thousands by retirement. Yet most people skip the one strategy that makes this possible: attacking college costs while still in high school. This episode tackles listener questions on maximizing...3266earning more,frugality,side hustlefalse83fullhttps://www.spreaker.com/episode/a-second-generation-fi-case-study-cody-berman-flytofi--75651305f3356a290c694d2898b56b7edd8e84e3Mon, 09 Jul 2018 01:00:00 +0000vasderMost people discover financial independence after making costly mistakes. Cody Berman found it in high school. Cody shares how his mother's influence and a chance encounter with "The Four Hour Work Week" led him to evaluate job offers by time—not...3558debt management,debt-to-income ratio,lifestyle design,personal financial health,savings moneyfalse83fullhttps://www.spreaker.com/episode/the-paradox-of-choice--75651416a79a46fc1f11448c9cc2bda9f78ae412Fri, 06 Jul 2018 01:00:00 +0000vasderWhen Jonathan and Brad's wives agreed to come on the podcast, the hosts had no idea they were in for a borderline marriage-threatening recording session. Laura and Dani delivered unfiltered takes on how their husbands' pursuit of financial...3878financial mindset,money mindset,personal financial healthfalse82fullhttps://www.spreaker.com/episode/a-wife-s-perspective-laura-and-dani--75651420535a4f77dffe4589bce8129c6ff9bea1Mon, 02 Jul 2018 01:00:00 +0000vasderGrowing up without access to credit cards or financing might sound restrictive — but for Danny, it became the foundation of a saving habit that now powers his family's financial independence. Danny and Laura offer a rare glimpse into what life looks...4261lifestyle design,personal growthfalse82fullhttps://www.spreaker.com/episode/the-fear-of-letting-go--756512264de50b1205c34ead9e3447b55c183e40Fri, 29 Jun 2018 01:00:00 +0000vasderThe fire of financial independence is igniting everywhere — but can a KonMari consultant really change how you think about money? This listener roundup tackles the most striking question of the week: how do you declutter your entire approach to...3495capital gains tax,family budgeting,financial mindset,money mindsetfalse81fullhttps://www.spreaker.com/episode/the-year-of-less-cait-flanders--756514128e4d4069d30d47a7b89875ac07bb7b28Mon, 25 Jun 2018 01:00:00 +0000vasderKate Flanders discovered her $30,000 consumer debt wasn't just a money problem—it was a symptom of something much deeper. A Toronto blogger drowning in stuff she didn't need and couldn't afford, Kate launched a year-long shopping ban to fix her...3985family budgeting,financial mindset,frugality,money mindsetfalse81fullhttps://www.spreaker.com/episode/a-case-for-survivor-compost-and-2nd-generation-fi--756514374f8be0bf950447d783ed4da5ec1a2ad3Fri, 22 Jun 2018 01:00:00 +0000vasderMost families teach kids to save money—but what if that's not enough? Teaching children to share, not just hoard, might be the missing piece in raising a financially independent generation. Brad and Jonathan tackle listener questions on investing for...4013debt management,debt-to-income ratio,kids & family financefalse80fullhttps://www.spreaker.com/episode/personal-brand--7565132999e34e62364846e2924698cf20257ce6Fri, 15 Jun 2018 01:00:00 +0000vasderGreg slashed $3,000 from his monthly spending—and hit a 40% savings rate for the first time in his life. His secret? Not one massive change, but a dozen small wins compounding into financial freedom. This listener roundup proves that the path to FI...3828credit cards,debt management,financial mindset,money mindset,personal finance for students,personal financial health,personal loansfalse79fullhttps://www.spreaker.com/episode/college-hacking-toolbox--75651388bdf3aefc30a743e3857ef902887342e8Fri, 08 Jun 2018 01:00:00 +0000vasderMost college students don't realize billions in scholarship dollars go unclaimed every year—a missed opportunity that could dramatically reduce or eliminate their debt before it even starts. This Friday Roundup dissects last week's conversation with...3591credit cards,debt management,earning more,house hacking,personal finance for students,personal financial health,personal loansfalse78fullhttps://www.spreaker.com/episode/078-student-loan-debt-repayment-strategies--756515281db497b81da14ee8ac41326f8ff16934Sun, 03 Jun 2018 20:00:00 +0000vasderMost people with six-figure student loan debt assume they're locked into a decade-plus repayment grind—but strategic planning can slash what you actually pay by hundreds of thousands of dollars. Travis Hornsby from Student Loan Planner joins to break...4311credit card debt,credit cards,debt,debt avalanche method,debt consolidation,debt management,debt management strategies,debt negotiation,debt snowball method,loan consolidation,loan refinancing,retirement age planning,retirement planning,student loan repaymentfalse78fullhttps://www.spreaker.com/episode/side-hustle-coaching-series-part-2-alan-tallis-r--756510812bcdeb8671f144a6bcc8b90e96b24247Thu, 31 May 2018 20:00:00 +0000vasderMost people offering free classes assume their work will stay uncompensated forever. Talas discovered that dance therapy for Parkinson's patients isn't just healing — it's a viable business. This episode of the side hustle coaching series follows...3663early retirement,healthcare in retirement,lifestyle design,retirement age planning,retirement fundamentals,retirement lifestyle,retirement planning,retirement savings goals,retirement tax planning,tax planningfalse77fullhttps://www.spreaker.com/episode/race-or-journey--7565152493579714c7734676b65e28c94f552fe4Fri, 25 May 2018 01:00:00 +0000vasderYour sister hit an 85% savings rate by living at home after college — proof that unconventional housing choices can supercharge your path to financial independence. This mashup episode revisits the Adventure Rich interview and tackles listener...3616credit card debt,credit cards,debt,debt avalanche method,debt consolidation,debt management,debt management strategies,debt negotiation,debt snowball method,loan consolidation,loan refinancing,student loan repaymentfalse76fullhttps://www.spreaker.com/episode/planned-spontaneity-mrs-adventure-rich--75651269a3e96d333ae345b6a532d4b112df765dSun, 20 May 2018 20:00:00 +0000vasderMost FI enthusiasts chase the finish line—but what if you're missing the best parts by not building spontaneity into the journey? Miss Adventure Rich discovered a better approach: planned spontaneity. She's mastered the art of weaving low-cost...3755experiential learning,house hacking,lifestyle designfalse76fullhttps://www.spreaker.com/episode/mainstream-adoption--75651122423443b59b7f40cdb4891dc68a073824Fri, 18 May 2018 01:00:00 +0000vasderMost people in the financial independence community swear by index funds—but what if picking individual stocks isn't the foolish gamble it's often made out to be? Jonathan Mendonsa and Brad Barrett tackle this tension head-on, revisiting their...3016earning more,entrepreneurship,income generationfalse75fullhttps://www.spreaker.com/episode/075-the-unfair-advantages-of-the-individual-investor--75651512e21cf489bb70afbc755ff662b6eb4c93Mon, 14 May 2018 01:00:00 +0000vasderMost investors assume professionals have the edge—bigger budgets, better information, faster execution. But what if the opposite were true? Jonathan and Brad examine why individual investors can outperform professional money managers, sparked by an...3672family budgeting,financial mindset,frugality,lifestyle design,retirement age planning,retirement planningfalse75fullhttps://www.spreaker.com/episode/choosefi-scholarship--75651551d1e907f46dfe3ae0714ebd06c975ff03Fri, 11 May 2018 01:00:00 +0000vasderTodd's monthly budget? $300. His secret? Living in a trailer and using community food banks while others debate six-figure college degrees. Jonathan and Brad tackle listener voicemails covering everything from ultra-frugal living strategies to...3256community,index fundsfalse74fullhttps://www.spreaker.com/episode/how-to-make-money-online--7565138953f3e4d5e7d6dfc5e8122ae350c7ae93Fri, 04 May 2018 01:00:00 +0000vasderMost people wait until they've "made it" before making big life changes — but what if that's the exact wrong approach? Jonathan and Brad break down Jameela Saffron's decision to pursue a fully funded lifestyle change before hitting financial...3476career transition,community,community building,experiential learning,personal financial health,personal growth,savings moneyfalse73fullhttps://www.spreaker.com/episode/jamila-souffrant-fail-forward-journey-to-launch--7565139505ccda4cadabe7c5b55866841712cfe6Sun, 29 Apr 2018 20:00:00 +0000vasderOne woman saved $85,000 in a single year while working full-time and raising kids—without a six-figure salary. Jamila Souffrant, first-generation immigrant from Jamaica and host of the Journey to Launch podcast, cracked the code on financial...3594family budgeting,financial goal setting,kids & family finance,personal finance for students,savings ratefalse73fullhttps://www.spreaker.com/episode/the-five-most-important-financial-conversations-you-need-to-have-with-your-child--75651475412ef02a92ac9150abfd4657c1f55dc0Fri, 27 Apr 2018 01:00:00 +0000vasderA common assumption is that you need a big paycheck to build wealth—but what if the secret isn't earning more, but protecting what you already make? Jonathan Mendonsa and Brad Barrett tackle this in a mashup covering Bitcoin's real-world usability,...3672earning more,personal financial health,savings moneyfalse72fullhttps://www.spreaker.com/episode/the-value-of-soft-skills--7565151448eb447175474c134695520635132e3bFri, 20 Apr 2018 03:00:00 +0000vasderA high-income dental specialist boosted his savings rate from 60% to 70% — not by slashing spending, but by questioning a single housing decision. This episode stitches together listener stories that prove financial independence isn't about having the...3838career growth,earning more,income generation,investment strategies,upskilling,value investingfalse71fullhttps://www.spreaker.com/episode/left-behind--756514173bb7c82616fafca74f7361138e9e555fFri, 13 Apr 2018 03:00:00 +0000vasderMost people miscalculate what an hour of their work is actually worth — and it's costing them years of their life. This mashup episode unpacks listener reactions to Vicki Robin's interview, tackling the concept of "true hourly wage" (which accounts...3452earning more,investment strategies,value investingfalse70fullhttps://www.spreaker.com/episode/your-money-or-your-life-vicki-robin--756515444819de907b200b3357bbdac3f2adc815Sun, 08 Apr 2018 20:00:00 +0000vasderYour Money or Your Life argues that most people are "making a dying, not a living"—commuting to jobs that drain them, earning money to buy things they don't need, and never questioning whether any of it leads to actual happiness. Author Vicki Robin...4051cryptocurrency,insurance,life insurance,personal financial health,savings money,spending smarterfalse70fullhttps://www.spreaker.com/episode/how-to-start-a-blog--75651451011a7065710364911f7d933569f23a82Fri, 06 Apr 2018 03:00:00 +0000vasderMichelle's RV lifestyle proves you can achieve financial freedom on far less than you think—without sacrificing experiences or happiness. Jonathan and Brad unpack the Monday episode with Michelle from Making Sense of Sense, then share the complete...3080career transition,debt management,minimalism,money mindsetfalse69fullhttps://www.spreaker.com/episode/2-worlds-collide--7565153465abdaf4d1471d4e149173b76c32a851Fri, 30 Mar 2018 03:00:00 +0000vasderYour local grocery store might be costing you thousands—but one listener just unlocked a solution hiding in plain sight at Costco. Louisa and Ashley share their hard-won strategies for cutting costs without cutting quality, while Jason reveals how to...3563earning more,entrepreneurship,income generation,personal growthfalse68fullhttps://www.spreaker.com/episode/068-what-to-do-after-dave-ramsey-s-baby-steps--75651368128ca671fba44f68355b8f4e06e56d19Mon, 26 Mar 2018 03:00:00 +0000vasderMost financial couples talk past each other — one sees budgets as control, the other as freedom. Andy Hill paid off his mortgage in under four years by flipping that dynamic: he stopped pitching line items and started selling his wife on the life...3367budgeting,cash flow,fi fundamentalsfalse68fullhttps://www.spreaker.com/episode/finding-your-superpower--7565130941613e832f6cc0a182ae788820f863cfFri, 23 Mar 2018 03:00:00 +0000vasderMost homeowners accept yearly insurance rate hikes without question — but Jonathan just proved that passivity costs real money. After his homeowner's insurance crept up to $90/month, he took action and discovered a local option that delivered...3351insurance,life insurance,money mindset,personal financial health,savings moneyfalse67fullhttps://www.spreaker.com/episode/raptitude-and-free-to-pursue--75651494880cfa7eb3b38d012a96c987ff3bbe11Sun, 18 Mar 2018 20:00:00 +0000vasderMost people think a diamond ring is a timeless tradition — but it's actually a 20th-century marketing invention designed to make you feel inadequate. This reality check kicks off a far-reaching conversation with David Cain from Raptitude and Aylan...4424entrepreneurship,income generation,minimalism,spending smarterfalse67fullhttps://www.spreaker.com/episode/letting-go-of-the-emergency-fund--75651401f7dc68a5d76fc15b5d0ccbdebc579b32Fri, 16 Mar 2018 03:00:00 +0000vasderShould you hold a fully funded emergency fund if it's costing you thousands in lost investment returns? One listener reconsiders the dogma after running the numbers on his own cash drag—and what he found challenges the advice most financial gurus...3542budgeting,charitable giving,emergency funds,financial mindset,frugality,insurance,money mindset,personal financial healthfalse66fullhttps://www.spreaker.com/episode/066-is-an-emergency-fund-a-bad-idea-the-case-for-and-against--75651088f2a983c532b519b77766be875e8fddc0Sun, 11 Mar 2018 20:00:00 +0000vasderMost early retirees assume they need an emergency fund—but what if your investment portfolio is already your safety net? Big Earn, a prominent figure in the FI community, reveals his upcoming retirement plans and explains why he's ditching...4293emergency funds,frugality,lifestyle design,mindfulness,personal financial health,self reflectionfalse66fullhttps://www.spreaker.com/episode/don-t-waste-it--75651505a86be10acdc7ddb922e80ac5bcc966d9Fri, 09 Mar 2018 03:00:00 +0000vasderMost people think getting a big tax refund means they're doing something right — but what if it actually means you've been giving the government an interest-free loan all year? This listener-packed roundup tackles everything from optimizing your W-4...3091emergency funds,investing,personal financial healthfalse65fullhttps://www.spreaker.com/episode/meet-the-frugalwoods-achieving-fi-through-simple-living--756514037e29a1ac51f174dc35b8e5660e0d429bSun, 04 Mar 2018 19:00:00 +0000vasderMost people dream about quitting their jobs to pursue a simpler life—Elizabeth Thames actually did it, documenting every step on her way to financial independence in rural Vermont. In this episode, Elizabeth returns to share the story behind her newly...3765emergency funds,personal financial health,spending smarterfalse65fullhttps://www.spreaker.com/episode/board-games--7565152252fa83497f1028ec84afbfa04b3a9ee4Fri, 02 Mar 2018 01:00:00 +0000vasderThat $12.99 subscription you forgot about? By the time you remember it exists, you've already funded someone's monthly coffee budget. Hosts Jonathan Mendonsa and Brad Barrett field listener feedback on everything from sneaky recurring charges to...3587debt management,kids & family finance,student loan repaymentfalse64fullhttps://www.spreaker.com/episode/create-your-own-luck--75651492f56722dda8bdd66f1bc1fac3302d8fceFri, 23 Feb 2018 01:00:00 +0000vasderMost people think luck is something that happens to you — but Scott Trench argues you manufacture it through systematic preparation and calculated bets. This Friday Roundup dissects Scott's journey to financial independence and the tactical philosophy...3133budgeting,expense tracking,frugality,travel rewardsfalse63fullhttps://www.spreaker.com/episode/scott-trench-set-for-life--75651487fb600968b6e84f419ca1250510f605deSun, 18 Feb 2018 19:00:00 +0000vasderScott Trench's book Set for Life makes one radical claim: you don't need to wait until 65 to stop worrying about money. The vice president of operations at BiggerPockets graduated debt-free, saved aggressively, and used house hacking to eliminate his...4881community,community building,entrepreneurial finance,insurance,life insurance,networking,personal growthfalse63fullhttps://www.spreaker.com/episode/change-the-world--75651310603f7bdae52fff1fd681030f25d229c1Fri, 16 Feb 2018 01:00:00 +0000vasderWhat if your neighbors became your economic lifeline—without spending a dollar? Jonathan's wife discovered this through Buy Nothing groups, where she routinely receives free items from strangers down the street. The experience didn't just save money;...3855financial mindset,goal achievement,house hacking,money mindsetfalse62fullhttps://www.spreaker.com/episode/bandwidth--75651484ae3377d0aa8c3440e4bb2b7a15ce8d3cFri, 09 Feb 2018 01:00:00 +0000vasderYou're leaving money on the table every time you treat a partner's passion like a hobby instead of a business. Jonathan discovered this when he converted a spare closet into his wife's professional voiceover studio — but it took meeting with a voice...3116community,community building,meaningful living,relationships,volunteeringfalse61fullhttps://www.spreaker.com/episode/mindfulness-and-fi-cory-muscara--756514362b50314c69f5342782f3a4d9c2e92547Mon, 05 Feb 2018 01:00:00 +0000vasderSix months in a Burmese monastery stripped away everything Corey Mascara thought he knew about happiness—and accidentally made him financially independent. Corey, now a mindfulness teacher at the University of Pennsylvania, didn't enter that monastic...4299community building,fire movement,meaningful living,money mindsetfalse61fullhttps://www.spreaker.com/episode/healthcare-vs-health-insurance--756513580bbbf495e95385b3144c8c37a66c23edThu, 01 Feb 2018 19:00:00 +0000vasderWhat would your life look like if you reclaimed two focused hours every morning? Jonathan tested this by escaping to the library before his day officially began—and the results speak for themselves. Jonathan and Brad explore how a structured morning...3357auto insurance,credit cards,disability insurance,healthcare in retirement,health insurance,homeowners insurance,insurance,insurance explained,insurance & protection,life insurance,long-term care insurance,mindfulness,minimalism,personal financial health,pet insurance,renters insurance,retirement planning,secured vs unsecured loans,travel insurance,umbrella insurancefalse60fullhttps://www.spreaker.com/episode/060-medical-tourism-how-to-save-thousands-on-healthcare-abroad--7565151596c61d997eb4885a9236dee0373842fdMon, 29 Jan 2018 01:00:00 +0000vasderSpending thousands on dental work isn't just painful—it's often unnecessary. Myles discovered he could get the same procedures done in Mexico for a fraction of U.S. costs without sacrificing quality. Brad and Jonathan sit down with Myles, an...4992happiness,hsa,insurance & protection,mindfulness,personal growth,simplicityfalse60fullhttps://www.spreaker.com/episode/challenge-yourself-leverage-the-power-of-the-hive-mind--756512611c748802eec6088b48f6d2507c9efd26Fri, 26 Jan 2018 01:00:00 +0000vasderA single DIY YouTube tutorial can save you hundreds—or even thousands—on home repairs you'd normally pay a contractor for. This mashup episode covers listener questions and insights on everything from community meetups to travel rewards, DIY projects,...34581 percent better,auto insurance,credit cards,disability insurance,healthcare in retirement,health insurance,homeowners insurance,insurance,insurance explained,life insurance,long-term care insurance,personal financial health,pet insurance,renters insurance,retirement age planning,retirement planning,secured vs unsecured loans,travel insurance,umbrella insurancefalse59fullhttps://www.spreaker.com/episode/freelance-to-freedom-with-vincent-pugliese--75652849a11921c455c7970459fb412b0d9bff39Sun, 21 Jan 2018 19:00:00 +0000vasderA wedding photographer making $8,000 per year while buried under $140,000 in debt — that's where Vincent Puglisi's turnaround began. Vincent transitioned from struggling journalist to successful entrepreneur, not through overnight success, but through...4005community,retirement age planning,retirement planningfalse59fullhttps://www.spreaker.com/episode/dark-side-of-value--756528757cb48b74cc089409eb58a7c3b78f3269Fri, 19 Jan 2018 01:00:00 +0000vasderMost people think financial independence is a solo marathon. But what if the real secret is who runs beside you? At Camp FI, Jonathan and Brad saw firsthand how community transforms the journey to FI. They share stories from the event, from board game...4272health insurance,investment strategies,medical cost,money mindset,risk management,travel insurance,value investingfalse58fullhttps://www.spreaker.com/episode/annual-cfp-roundtable-2017-kyle-mast-and-danny-kenny--75652885aa31083d7dcb165f67511831e420d481Mon, 15 Jan 2018 01:00:00 +0000vasderCFPs who practice financial independence aren't an oxymoron — they're your secret weapon. Kyle Mast and Danny Kenney are certified financial planners embedded in the FI community, and they're here to answer the questions you voted most urgent: when...5001career transition,debt management,earning more,entrepreneurship,personal growthfalse58fullhttps://www.spreaker.com/episode/campfi-roundtable-2018--75653019c66d97faa0b4c9f02b290df97fc8549eFri, 12 Jan 2018 01:00:00 +0000vasderMost financial independence events are just networking—but what if attending one fundamentally changed how you think about community? At the first-ever Camp FI in Gainesville, Florida, attendees gathered not just to exchange ideas but to confront a...2895investing,investment strategies,value investingfalse57fullhttps://www.spreaker.com/episode/057-how-to-value-your-pension-should-you-stay-for-the-benefits--756531087782926defeb7fb339bcaf2b04100dc5Sun, 07 Jan 2018 19:00:00 +0000vasderA pension might seem like the ultimate financial safety net — until you realize it's chaining you to a job you've outgrown. This tension is what guest Grumpus Maximus calls the "golden albatross," and it's a trap uniquely familiar to military...4196fi fundamentals,financial goal setting,financial planning for familie,investment strategies,risk managementfalse57fullhttps://www.spreaker.com/episode/choose-fi-nation--75653003a3a767bd94765b5debff0cd8e743d4b8Fri, 05 Jan 2018 01:00:00 +0000vasderYou can't set and forget your net worth — unless you're tracking it quarterly, you'll never spot where your money is actually leaking. The first Friday Roundup of 2018 covers listener questions on net worth tracking, using HSAs for travel reward...3696community,community building,fire movement,life after fi,networkingfalse56fullhttps://www.spreaker.com/episode/056-how-to-start-a-business-with-no-money-part-1--756530852ff671f8e7f5d4a3174d3cb79046f400Sun, 31 Dec 2017 19:00:00 +0000vasderMost people assume you need deep pockets to launch a business that actually helps people. Talis Drew proves otherwise. In this coaching session, ballroom dance instructor Talis Drew shares how she's bringing dance therapy to people with Parkinson's...3901couples finance,earning more,military,pensionsfalse56fullhttps://www.spreaker.com/episode/end-of-year-2017-review--75653051e1aaa50b4b75d6c0e13a2f99d4af2a37Fri, 29 Dec 2017 01:00:00 +0000vasderWhat if the best gift you could give costs nothing upfront but compounds for decades? Brad and Jonathan close out the year by unpacking a simple 529 hack for holiday gifting—then open the floodgates to listener voicemails that reveal just how far this...4551community,community building,net worth,travel lifestylefalse55fullhttps://www.spreaker.com/episode/and-the-guest-host-is--75652896131a8c50e5d45bf9b5131be3ce59d416Thu, 21 Dec 2017 19:00:00 +0000vasderMost people think organizing their finances is about making money — but what if the real gift is what you leave behind when you can't explain it yourself? Fritz from the Retirement Manifesto joins Jonathan to tackle listener questions spanning...3001community building,wins,year-end planning,year end winsfalse54fullhttps://www.spreaker.com/episode/054-fully-funded-lifestyle-change--75653002966d07c7a8ba707ed01eb4ebb5b3d1b4Mon, 18 Dec 2017 01:00:00 +0000vasderMost pharmacy managers don't quit stable six-figure jobs without a backup plan—Jonathan just did, and he's walking you through exactly why the numbers made sense. Jonathan announces his transition to pursuing ChooseFI full-time, stepping away from his...2689community building,fire movement,insurance,life insurance,lifestyle design,networking,retirement lifestyle,retirement planningfalse54fullhttps://www.spreaker.com/episode/end-of-year-checklist--75652871https://www.choosefi.com/?p=4407Fri, 15 Dec 2017 01:00:19 +0000vasderCan starting a side hustle really replace a stable income? Bobby from Millennial Money Man walked away from his day job when his blog earned just $2. This roundup episode unpacks that leap—and the community-building principles that made it work. Brad...3661entrepreneurial finance,tax strategiesfalse53fullhttps://www.spreaker.com/episode/millennial-money-man-do-you-want-to-be-rich--75653206https://www.choosefi.com/?p=4278Mon, 11 Dec 2017 01:00:17 +0000vasderA teacher's side blog just earned $16,000 in a single month — but it started as something Bobby never planned to monetize at all. Bobby went from drowning in $40,000 of student loan debt to running Millennial Money Man full-time, yet his biggest...3518earning more,insurance,life insurance,personal financial health,retirement lifestyle,retirement planning,savings moneyfalse53fullhttps://www.spreaker.com/episode/bring-it-we-are-just-getting-started--75653276https://www.choosefi.com/?p=4229Fri, 08 Dec 2017 01:00:32 +0000vasderTodd Tressiter makes a startling argument: the very simplicity you've been taught to chase in investing might be costing you opportunities. Financial independence isn't just about passively investing in index funds—real estate, business ownership, and...3161entrepreneurship,tax strategiesfalse52fullhttps://www.spreaker.com/episode/fire-state-of-the-union-todd-tresidder-risk-management--75653037https://www.choosefi.com/?p=3994Mon, 04 Dec 2017 01:00:13 +0000vasderTodd Trusseter drops a truth bomb that might make traditional FIRE enthusiasts uncomfortable: you can reach financial independence and keep your luxuries. In this wide-ranging conversation, financial mentor Todd Trusseter unpacks the current state of...4750debt management,debt management strategies,earning more,personal financial health,property management,retirement age planning,retirement planning,risk management,savings money,wealth managementfalse52fullhttps://www.spreaker.com/episode/be-coachable--75653058https://www.choosefi.com/?p=3989Fri, 01 Dec 2017 01:00:22 +0000vasderMost people think learning new skills after a certain age is impossible—but what if your brain were more adaptable than you'd been led to believe? Jonathan and Brad explore how limiting beliefs around education and career changes keep people stuck,...2996community,community building,entrepreneurshipfalse51fullhttps://www.spreaker.com/episode/mad-money-monster-a-roller-coaster-path-to-fi--75652657https://www.choosefi.com/?p=3926Mon, 27 Nov 2017 01:00:44 +0000vasderMost people who grow up in a trailer park don't end up with a master's degree and a high six-figure net worth — but Lisa isn't most people. A mother scientist and founder of Mad Money Monster, she spent years trapped in a cycle of poor financial...3428debt management,debt management strategies,investing,personal financial health,property management,retirement age planning,retirement planning,risk management,savings money,wealth managementfalse51fullhttps://www.spreaker.com/episode/impact-the-stealth-wealth-community--75652836https://www.choosefi.com/?p=3903Fri, 24 Nov 2017 01:00:53 +0000vasderYou've spent decades hearing that achieving financial freedom requires sacrifice and isolation—yet the most powerful wealth-building tool might be sitting in your local coffee shop right now. Brad and Jonathan unpack the launch of ChooseFI local...3056accountability,money mindset,wealth management,wealth preservation,wealth succession planningfalse50fullhttps://www.spreaker.com/episode/domestic-geoarbitrage-freedom-is-groovy--75652884https://www.choosefi.com/?p=3896Mon, 20 Nov 2017 01:00:21 +0000vasderMost people obsess over investment returns while ignoring the one move that could instantly double their savings rate—relocating to a lower-cost city. Mr. Groovy turned his financial life around by leaving Long Island for North Carolina, cutting...3988money mindset,personal financial health,retirement age planning,retirement planning,savings moneyfalse50fullhttps://www.spreaker.com/episode/fi-festival--75653886https://www.choosefi.com/?p=3889Fri, 17 Nov 2017 01:00:16 +0000vasderSmall decisions—skipping one subscription, optimizing one flight—can quietly stack into 50–75% savings rates while everyone else stays broke. Brad and Jonathan tackle listener questions on how to scale these "marginal gains," why the global FI...3028community,wealth management,wealth preservation,wealth succession planningfalse49fullhttps://www.spreaker.com/episode/alan-donegan-the-escape-artist-the-aggregation-of-marginal-gains--75653011http://www.choosefi.com/?p=3634Mon, 13 Nov 2017 01:00:42 +0000vasderBritish FI blogger Barney—known online as The Escape Artist—ran the numbers and realized he could walk away from corporate life decades early. But he faced a problem Americans rarely think about: virtually no one in the UK was talking about financial...5193capital gains tax,community building,entrepreneurship,lifestyle design,tax planning,travel lifestylefalse49fullhttps://www.spreaker.com/episode/the-roadmap-to-fi--75653044http://www.choosefi.com/?p=3638Fri, 10 Nov 2017 01:00:08 +0000vasderYou're checking your phone 50 times a day, drowning in email subscriptions you never read, and losing hours to small irritations you've accepted as "just how life is." But what if those low-level stressors are quietly draining your progress toward...2890community,community building,fire movement,travel lifestylefalse48fullhttps://www.spreaker.com/episode/the-happy-philosopher-the-happiest-man-in-the-room--75652848http://www.choosefi.com/?p=3632Mon, 06 Nov 2017 01:00:47 +0000vasderJeff was making $300,000 a year, working his dream job as a physician, and felt utterly miserable. His story isn't unique in medicine — but his solution is. Jeff, a physician who writes at The Happy Philosopher, turned to financial independence blogs...4056community building,mindfulness,money mindsetfalse48fullhttps://www.spreaker.com/episode/the-rule-of-72--75653263http://www.choosefi.com/?p=3630Fri, 03 Nov 2017 01:00:30 +0000vasderBrad's nine-year-old daughter walked into her parents' room ready to invest her savings—not because she was told to, but because a twenty-minute conversation about compound interest flipped a switch in her mind. That moment kicked off an episode that...2553capital gains tax,money mindset,tax planningfalse47fullhttps://www.spreaker.com/episode/047-the-case-against-home-ownership-and-the-power-of-geographic-arbitrage--75653045http://www.choosefi.com/?p=3628Sun, 29 Oct 2017 20:00:00 +0000vasderHomeownership in Canada's priciest cities will bankrupt you — unless you're willing to walk away from the entire model. Christy and Bryce from Millennial Revolution did exactly that, building a seven-figure portfolio by rejecting the traditional real...4598happiness,home buying,real estate,retirement age planning,retirement planningfalse47fullhttps://www.spreaker.com/episode/selectively-hardcore--75652941http://www.choosefi.com/?p=3626Fri, 27 Oct 2017 01:00:03 +0000vasderMost people chase early retirement to escape work—Tanya from Our Next Life flipped the script and made headlines for it. Her story blew up not because she saved aggressively or optimized her portfolio, but because she asked a question most retirement...2999home buying,investingfalse46fullhttps://www.spreaker.com/episode/our-next-life-are-you-ready-for-early-retirement--75653088http://www.choosefi.com/?p=3624Sun, 22 Oct 2017 20:00:00 +0000vasderMost early retirees worry about running out of money—but what if the real challenge is running out of purpose? Tanya, known to the FI community as Mrs. O.N.L., spent years blogging anonymously while building her path to financial independence as a...4856early retirement,healthcare in retirement,home buying,insurance,life insurance,real estate,retirement age planning,retirement fundamentals,retirement lifestyle,retirement planning,retirement savings goals,retirement tax planning,tax planningfalse46fullhttps://www.spreaker.com/episode/the-journal--75652907http://www.choosefi.com/?p=3622Fri, 20 Oct 2017 01:00:44 +0000vasderJD Roth's return to blogging after years away proves personal finance isn't just about money—it's about the stories that make the numbers matter. His comeback to Get Rich Slowly sparked a conversation about why vulnerability and shared experience...3093early retirement,financial mindset,money mindsetfalse45fullhttps://www.spreaker.com/episode/jd-roth-get-rich-slowly--75652935http://www.choosefi.com/?p=3620Sun, 15 Oct 2017 20:00:00 +0000vasderWalking away from $35,000 in consumer debt changed J.D. Roth's life—and shaped an entire movement. The founder of Get Rich Slowly returns to discuss his evolution from broke blogger to financial independence pioneer, revealing the six stages of...3682early retirement,healthcare in retirement,insurance,investing,life insurance,retirement age planning,retirement fundamentals,retirement lifestyle,retirement planning,retirement savings goals,retirement tax planning,tax planningfalse45fullhttps://www.spreaker.com/episode/the-one-way-ticket--75653014http://www.choosefi.com/?p=3678Fri, 13 Oct 2017 01:00:51 +0000vasderWant proof that entrepreneurship can buy freedom, not just money? Brandon Pierce built a business model that funds his family's globe-trotting lifestyle — proving that the four-hour workweek isn't myth but blueprint. This mashup episode unpacks his...3975retirement age planning,retirement planning,spending smarterfalse44fullhttps://www.spreaker.com/episode/brandon-pearce-into-the-wind--75652843http://www.choosefi.com/?p=3617Sun, 08 Oct 2017 20:00:00 +0000vasderMost people's side hustles fund weekend hobbies. Brandon Pearce's bought him eight years of global freedom. After recognizing his call center job offered no real security, Brandon built Music Teacher's Helper — software to manage his piano lessons —...4010lifestyle design,personal growth,productivity,simplicity,task management,todoistfalse44fullhttps://www.spreaker.com/episode/mega-backdoor-roth-should-i-ever-consider-using-the-roth--75652929http://www.choosefi.com/?p=3615Fri, 06 Oct 2017 01:00:06 +0000vasderMost people planning retirement obsess over the accumulation phase—but what happens when you actually reach your number and need to start spending it? Jonathan Mendonsa and Brad Barrett tackle the shift from wealth accumulation to wealth preservation,...4091debt management,financial mindset,money management,tax strategiesfalse43fullhttps://www.spreaker.com/episode/043-retirement-drawdown-strategy-how-to-spend-your-savings--75653066http://www.choosefi.com/?p=3576Sat, 30 Sep 2017 20:00:00 +0000vasderMost retirement podcasts obsess over building wealth — but almost nobody talks about the harder part: spending it without running out. Fritz from Retirement Manifesto tackles the decumulation phase that conventional advice ignores, sharing his...4543early retirement,financial goal setting,healthcare in retirement,investing,retirement age planning,retirement fundamentals,retirement lifestyle,retirement planning,retirement savings goals,retirement tax planning,roth ira,tax planningfalse43fullhttps://www.spreaker.com/episode/perfect-utilization--75652874http://www.choosefi.com/?p=3581Fri, 29 Sep 2017 01:00:59 +0000vasderMost people have never questioned whether they need to live paycheck to paycheck—until they see it challenged on film. Scott Rickins brought his documentary crew to film with the ChooseFI hosts, capturing the anti-consumerism message at the heart of...3180entrepreneurship,experiential learning,family planning,lifestyle designfalse42fullhttps://www.spreaker.com/episode/the-green-swan-why-start-a-business-when-you-can-buy-one--75652903http://www.choosefi.com/?p=3565Sun, 24 Sep 2017 20:00:00 +0000vasderMost people stumble into the FIRE community through personal finance blogs. JW's entry point was a $5 million life insurance pitch right after his first child was born—a moment that launched him from passive saver to active entrepreneur building...3394earning more,frugalityfalse42fullhttps://www.spreaker.com/episode/extreme-ownership--75653173http://www.choosefi.com/?p=3562Fri, 22 Sep 2017 01:00:17 +0000vasderLiving in Los Angeles with negative net worth and below-average income, Paige turned financial disadvantages into a blueprint for reaching FI through shared housing and community resources. Through her story and listener questions, Brad and Jonathan...3758early retirement,healthcare in retirement,money mindset,retirement age planning,retirement fundamentals,retirement lifestyle,retirement planning,retirement savings goals,retirement tax planning,tax planningfalse41fullhttps://www.spreaker.com/episode/041-pursuing-fi-in-a-high-cost-of-living-area--75653295http://www.choosefi.com/?p=3552Mon, 18 Sep 2017 01:00:01 +0000vasderStarting later doesn't mean you're behind — it means you skip the years of trial and error. Paige and Sam prove that financial independence works in high-cost areas and on modest incomes, even when conventional wisdom says otherwise. Paige challenged...4216entrepreneurship,family dynamics,frugality,income generation,spending smarterfalse41fullhttps://www.spreaker.com/episode/the-power-of-the-reset-button--75653064http://www.choosefi.com/?p=3546Fri, 15 Sep 2017 01:00:30 +0000vasderMost people think you need decades of saving before taking a year off work—Noah and Becky did it in five. This episode explores how they and others are reframing financial independence not as a distant "retire early" goal, but as "retire...3848frugality,lifestyle design,personal growth,savings moneyfalse40fullhttps://www.spreaker.com/episode/take-a-gap-year-money-metagame--75652833http://www.choosefi.com/?p=3535Sun, 10 Sep 2017 20:00:00 +0000vasderA couple in their twenties grew their savings rate from 6% to 58% in just a few years — then decided to quit their jobs and travel for a year. Noah and Becky share how they went from conventional financial practices to leveraging scholarships, travel...3623budgeting,debt management,financial mindset,frugality,lifestyle design,personal financial health,savings money,savings ratefalse40fullhttps://www.spreaker.com/episode/cruise-control--75653023http://www.choosefi.com/?p=3517Fri, 08 Sep 2017 01:00:10 +0000vasderA single millennial could retire at 30 by making a handful of smart money moves in their 20s — that's the math Brad and Jonathan break down in this week's roundup. But the conversation goes deeper: how do you pass those lessons to the next generation...3321life experiments,minimalism,money mindsetfalse39fullhttps://www.spreaker.com/episode/millennial-path-to-fi-fiery-millennial--75653274http://www.choosefi.com/?p=3509Sun, 03 Sep 2017 20:00:00 +0000vasderGwen graduated college with $10,000 saved—not borrowed, saved—while her peers were drowning in five-figure debt. She did this without wealthy parents, inheritance, or a trust fund. Her secret? She refused to accept the default path everyone else was...3543fi fundamentals,personal financial health,savings moneyfalse39fullhttps://www.spreaker.com/episode/firewalker--75653102http://www.choosefi.com/?p=3507Fri, 01 Sep 2017 01:00:38 +0000vasderThe hosts of a podcast with millions of downloads just admitted they were "stressed out" recording an episode about finding your purpose in financial independence. That vulnerability alone signals why Monday's deep-dive struck a nerve with...3556early retirement,investing,investment strategiesfalse38fullhttps://www.spreaker.com/episode/038-the-why-of-fi-why-pursue-financial-independence--75652940http://www.choosefi.com/?p=3399Mon, 28 Aug 2017 01:00:40 +0000vasderMost people spend decades chasing a bigger house, a nicer car, and a promotion that demands even more hours — only to realize too late they've been running in place. Brad and Jonathan break down why the conventional path to "success" is fundamentally...2119community,community building,frugality,networkingfalse38fullhttps://www.spreaker.com/episode/the-friday-roundup--75653006http://www.choosefi.com/?p=3480Fri, 25 Aug 2017 01:00:45 +0000vasderBrad's wife Laura pulled off 16 nights of free lodging across a 17-day family vacation—no hostels, no camping, just strategic coordination and a stack of credit card points. This mashup episode covers how they made it work, why rushing to see...3868budgeting,family budgeting,financial mindset,frugality,house hacking,kids & family financefalse37fullhttps://www.spreaker.com/episode/playing-with-fire-documentary-scott-rieckens--75652786http://www.choosefi.com/?p=3447Sun, 20 Aug 2017 20:00:00 +0000vasderScott Rickins didn't stumble into financial independence because he was broke—he found it while earning six figures, living in a California beach town, and working with brands like Facebook and Microsoft. His problem wasn't a lack of income; it was...3849community building,financial mindset,money mindset,motivation,side hustlefalse37fullhttps://www.spreaker.com/episode/the-friday-roundup--75653057http://www.choosefi.com/?p=3405Fri, 18 Aug 2017 01:00:07 +0000vasderOne listener slashed their grocery bill in the first month — then asked, "What took me so long?" Brad and Jonathan round up listener wins, struggles, and creative hacks from the ChooseFI community, proving that financial independence is built on...3373community,family dynamics,meaningful livingfalse36fullhttps://www.spreaker.com/episode/community-chautauqua-and-ama-with-jl-collins--75653017http://www.choosefi.com/?p=3381Mon, 14 Aug 2017 01:00:01 +0000vasderMost people pursuing financial independence feel isolated—like they're the only ones saying "no" to lifestyle inflation. J.L. Collins and the ChooseFI hosts tackle that loneliness head-on, revealing how finding your tribe accelerates your path to...3126community,early retirement,investment strategies,risk managementfalse36fullhttps://www.spreaker.com/episode/the-4-rule-friday-roundup--75653059http://www.choosefi.com/?p=3403Thu, 10 Aug 2017 20:00:00 +0000vasderMost early retirees obsess over how much they need to retire—but the real danger isn't your portfolio size, it's when the market tanks. Brad Barrett and Jonathan Mendonsa break down sequence of return risk, the often-overlooked factor that can make or...3649fire movement,frugality,investingfalse35fullhttps://www.spreaker.com/episode/035-sequence-of-return-risk-what-every-early-retiree-must-know--75652729http://www.choosefi.com/?p=3374Sun, 06 Aug 2017 20:00:00 +0000vasderThe 4% rule might fail you—but not for the reason you think. Average market returns matter far less than when those returns happen, especially in your first decade of retirement. Brad and Jonathan sit down with Big Earn from Early Retirement Now to...4350community building,early retirement,healthcare in retirement,investing,retirement age planning,retirement fundamentals,retirement lifestyle,retirement planning,retirement savings goals,retirement tax planning,risk management,tax planning,wealth managementfalse35fullhttps://www.spreaker.com/episode/what-s-your-risk-tolerance-the-friday-roundup--75653299http://www.choosefi.com/?p=3379Fri, 04 Aug 2017 01:00:17 +0000vasderMost investors panic when the market drops 20%. Brad and Jonathan argue you should celebrate. This episode tackles the counterintuitive truth that market crashes can supercharge your path to financial independence — if you're young and still...4330financial mindset,happiness,meaningful living,money mindset,risk management,savings money,wealth managementfalse34fullhttps://www.spreaker.com/episode/034-stock-market-investing-the-simple-path-to-wealth-part-2--75652943http://www.choosefi.com/?p=3363Mon, 31 Jul 2017 01:00:01 +0000vasderThe stock market's most painful truth? You're guaranteed to watch your portfolio crater — the only question is whether you'll panic or profit from it. Jonathan Mendonsa and Brad Barrett sit down with JL Collins to confront the psychological...3695investing,risk management,stock market analysis,stock valuation techniques,wealth managementfalse34fullhttps://www.spreaker.com/episode/the-friday-roundup--75653104http://www.choosefi.com/?p=3356Fri, 28 Jul 2017 01:00:04 +0000vasderMost people never question whether their current spending habits actually make them happy. But what if you rated every expense on a scale of 1-10 for joy delivered—then ruthlessly cut anything below a 7? Jonathan and Brad tackle listener questions on...4484early retirement,fi fundamentals,healthcare in retirement,retirement age planning,retirement fundamentals,retirement lifestyle,retirement planning,retirement savings goals,retirement tax planning,risk management,tax planning,wealth managementfalse33fullhttps://www.spreaker.com/episode/design-your-future-dominick-quartuccio--75652979http://www.choosefi.com/?p=3336Sun, 23 Jul 2017 20:00:00 +0000vasderMost people who achieve conventional success—the career, the paycheck, the stability—assume that's what happiness looks like. Dominick Quartuccio had the lucrative 15-year career in financial services, the outward markers of "making it," and felt...4703investing,productivity,stock market analysis,stock valuation techniques,task managementfalse33fullhttps://www.spreaker.com/episode/the-friday-roundup--75653269http://www.choosefi.com/?p=3328Fri, 21 Jul 2017 01:00:54 +0000vasderTracking milestones can slash your time to financial independence by 10+ years — but only if you're measuring the right ones. Most people obsess over "net worth" or "retirement savings" without understanding the critical inflection points that...3702happiness,mindfulness,money mindset,personal growthfalse32fullhttps://www.spreaker.com/episode/032-the-key-milestones-of-financial-independence--75653120http://www.choosefi.com/?p=3318Sun, 16 Jul 2017 20:00:00 +0000vasderDave Ramsey's baby steps end where most people's questions begin. Once you're debt-free, then what? Joel from FI180.com returns to the show with a framework of milestones that map the entire journey from zero net worth to Fat FI—giving you checkpoints...2915fi fundamentals,meaningful living,personal growthfalse32fullhttps://www.spreaker.com/episode/the-friday-roundup--75653182http://www.choosefi.com/?p=3309Fri, 14 Jul 2017 01:00:15 +0000vasderOne listener question could reshape your entire approach to family travel—and it starts with challenging the assumption that meaningful vacations require significant spending. Brad and Jonathan tackle listener questions spanning travel rewards...3559career transition,community building,fi fundamentals,savings moneyfalse31fullhttps://www.spreaker.com/episode/031-how-to-travel-to-disney-world-for-nearly-free-with-credit-card-rewards--75652953http://www.choosefi.com/?p=3262Sun, 09 Jul 2017 20:00:00 +0000vasderA trip to Walt Disney World or Disneyland is a dream for many families—but it often comes with a hefty price tag. What if you could cut thousands off that cost using your everyday spending and smart credit card strategies? This guide walks you through...1993early retirement,financial goal setting,insurance,retirement planning,travel insurance,travel rewardsfalse31fullhttps://www.spreaker.com/episode/the-side-hustle-unpacked-friday-roundup--75653094http://www.choosefi.com/?p=3232Fri, 07 Jul 2017 01:00:57 +0000vasderMost people dread going to the pool on July 4th because of the crowds — but what if avoiding the obvious times everyone else chooses is the key to unlocking better opportunities in your finances too? Brad and Jonathan break down listener questions on...2850frugality,travel,travel rewardsfalse30fullhttps://www.spreaker.com/episode/030-why-side-hustles-are-the-unspoken-lever-of-financial-independence--75653227http://www.choosefi.com/?p=3214Sun, 02 Jul 2017 20:00:00 +0000vasderMost people think you need thousands of dollars and a bulletproof business plan before launching a side hustle — but what if you could start for free? Alan Donegan, co-founder of Pop-Up Business School in the UK, joins Brad and Jonathan to dismantle...4147community,minimalism,travel lifestylefalse30fullhttps://www.spreaker.com/episode/the-friday-roundup--75652982http://www.choosefi.com/?p=3220Fri, 30 Jun 2017 01:00:09 +0000vasderCould convincing your partner to embrace financial independence actually backfire? When Brad and Jonathan unpack listener feedback on minimalism versus frugality, they discover that modeling behavior beats preaching every time. This mashup tackles...4020earning more,entrepreneurship,income generationfalse29fullhttps://www.spreaker.com/episode/029-the-aspiring-minimalist-vs-the-reluctant-frugalist--75653277http://www.choosefi.com/?p=3194Mon, 26 Jun 2017 01:00:50 +0000vasderFinancial independence attracts two distinct personalities — and recognizing which one you are (or which one your partner is) can determine whether you're pulling in the same direction or heading for a clash over every budget line item. Brad and...3156credit cards,earning more,entrepreneurship,income generation,personal growth,secured vs unsecured loans,side hustlefalse29fullhttps://www.spreaker.com/episode/the-friday-roundup--75653109http://www.choosefi.com/?p=3192Fri, 23 Jun 2017 01:00:41 +0000vasderMost people think cutting expenses is the only path to financial independence. What if the real leverage point is hiding in plain sight — inside accounts you're already contributing to? This Friday Roundup tackles listener confusion around retirement...4161credit cards,secured vs unsecured loans,spending smarterfalse28fullhttps://www.spreaker.com/episode/028-retirement-savings-order-of-operations-401k-ira-and-roth--75653198http://www.choosefi.com/?p=3160Mon, 19 Jun 2017 01:00:20 +0000vasderMost people think tax-deferred accounts are all created equal — they're not. Brad and Jonathan break down the precise hierarchy of retirement "buckets" and explain why the order you fill them matters far more than how much you save. From the...2551credit cards,debt management,debt-to-income ratio,hsa,investment strategies,ira rollovers,mortgage loans,mortgage refinancing,retirement age planning,retirement planning,tax strategies,value investingfalse28fullhttps://www.spreaker.com/episode/the-friday-roundup-debunking-the-value-of-the-mortgage-deduction--75653235http://www.choosefi.com/?p=3168Fri, 16 Jun 2017 01:00:22 +0000vasderMost people who claim homeownership is a great tax shelter are probably overpaying for housing. This Friday Roundup tackles that myth head-on, along with listener-driven questions on everything from conscious spending tweaks that freed up thousands to...3627credit cards,debt management,investment strategies,mortgage loans,mortgage refinancing,retirement age planning,retirement planning,retirement tax planning,roth ira vs traditional ira,tax filing tips,tax strategies,value investing,wealth managementfalse27fullhttps://www.spreaker.com/episode/slowly-sipping-coffee-fi-vs-risk-tolerance--75653112http://www.choosefi.com/?p=3117Sun, 11 Jun 2017 20:00:00 +0000vasderBefore Jay's wife showed him her spreadsheet, he'd spent six years ignoring her budget attempts. Then one glance changed everything: they were already on track to retire at 45 without cutting a single expense. Jay from Slowly Sipping Coffee joins to...2881budgeting,community,community building,credit cards,frugality,risk management,secured vs unsecured loans,student loan repayment,wealth managementfalse27fullhttps://www.spreaker.com/episode/the-friday-roundup-paul-case-study-part-5-final--75653073http://www.choosefi.com/?p=3151Fri, 09 Jun 2017 01:00:18 +0000vasderA physician earning $300,000 annually can still end up broke. This episode tackles the hidden traps high-income professionals face on the path to financial independence — and what actually matters isn't your salary. Brad and Jonathan explore the...3613debt management,debt-to-income ratio,fi fundamentals,ira rollovers,retirement planningfalse26fullhttps://www.spreaker.com/episode/026-financial-independence-for-doctors-and-high-income-professionals--75653052http://www.choosefi.com/?p=3105Sun, 04 Jun 2017 20:00:00 +0000vasderHigh-income professionals face a paradox: earning six figures can be just as financially precarious as scraping by on minimum wage. Physician on Fire joins Brad and Jonathan to dissect the specific traps that ensnare doctors, lawyers, and other high...2894credit cards,investing,risk management,secured vs unsecured loans,wealth managementfalse26fullhttps://www.spreaker.com/episode/friday-roundup-paul-case-study-part-4--75653199http://www.choosefi.com/?p=3131Fri, 02 Jun 2017 01:00:37 +0000vasderHalf your income might sound extreme—until you realize it's the only wealth-building rule that actually matters. Brad and Jonathan tackle listener questions on everything from LLC formations to meal prep costs, threading together tax strategies,...4170community,community building,property investmentfalse25fullhttps://www.spreaker.com/episode/the-friday-roundup-how-to-hack-your-espp--75653187http://www.choosefi.com/?p=3095Fri, 26 May 2017 01:00:15 +0000vasderMost people think you need a six-figure income to reach financial independence. Joel and Alexis proved them wrong — they rocketed from a 7% savings rate to 85% without changing jobs. Their story, featured in a recent listener roundup, sparked one of...3611credit cards,investing,secured vs unsecured loansfalse24fullhttps://www.spreaker.com/episode/fi180-make-a-u-turn-and-choose-fi--75653265http://www.choosefi.com/?p=2823Sun, 21 May 2017 20:00:00 +0000vasderMost people who blow through $100,000 a year in discretionary spending can't tell you where a single dollar went. Joel and Alexis were living that reality—until a car accident changed everything. After discovering financial independence concepts...3387budgeting,community,irs audits,savings first,tax planningfalse24fullhttps://www.spreaker.com/episode/friday-roundup-paul-case-study-part-3--75653311http://www.choosefi.com/?p=3034Fri, 19 May 2017 01:00:29 +0000vasderNearly half of high earners who chase the wrong salary increases leave millions on the table during their working years—but most don't realize it until it's too late. Jonathan Mendonsa and Brad Barrett reflect on their conversation with ESI Money,...3663budgeting,fi fundamentals,frugality,investment strategies,savings ratefalse23fullhttps://www.spreaker.com/episode/023-career-hacking-for-financial-independence--75653084http://www.choosefi.com/?p=2894Sun, 14 May 2017 20:00:00 +0000vasderMost people obsess over cutting their latte budget while leaving millions on the table in their careers. ESI, who earned 8% annual raises over 28 years and rose to president of a $100 million company, shares why your career deserves the same strategic...3834debt management,earning more,frugality,house hacking,insurance,long-term care insurance,personal financial health,savings moneyfalse23fullhttps://www.spreaker.com/episode/friday-roundup-huge-announcement--75653144http://www.choosefi.com/?p=2907Fri, 12 May 2017 01:00:19 +0000vasderMost cars lose thousands of dollars before you even drive them off the lot — but one simple choice cuts that waste by 60%. Brad and Jonathan tackle car ownership costs, the single biggest structural expense crushing FI timelines, and why a listener's...3751career growth,earning more,income generation,networkingfalse22fullhttps://www.spreaker.com/episode/022-the-true-cost-of-car-ownership--75653164http://www.choosefi.com/?p=2735Mon, 08 May 2017 01:00:54 +0000vasderMost people think about car ownership in monthly payments — $400 here, $500 there. A comparison between two car buyers reveals a more sobering reality: smart choices can yield an additional $742,000 for retirement over 45 years. Jonathan and Brad...2516budgeting,community,irs audits,savings first,tax planningfalse22fullhttps://www.spreaker.com/episode/our-first-ever-crowd-sourced-case-study-paul--75653226http://www.choosefi.com/?p=2847Fri, 05 May 2017 01:00:35 +0000vasderA savings rate of 30% sounds reasonable—until you realize someone hitting 50% will reach financial independence years earlier. This mashup episode unpacks listener insights on savings rates, the surprising long-term power of small monthly...3286budgeting,fi fundamentals,house hacking,insurance,irs audits,long-term care insurance,personal financial health,savings first,savings money,tax planningfalse21fullhttps://www.spreaker.com/episode/021-the-pillars-of-financial-independence--75653326http://www.choosefi.com/?p=2733Mon, 01 May 2017 01:00:08 +0000vasderSlash $100 from your monthly budget and watch it compound into $60,000 over 20 years. Small financial decisions aren't just about saving a few dollars this month — they're the building blocks of a six-figure portfolio shift. Brad and Jonathan break...3605auto loans,budgeting,debt management,early retirement,fi fundamentals,frugalityfalse21fullhttps://www.spreaker.com/episode/the-friday-roundup-introducing-our-first-crowd-sourced-case-study-fi-plan--75653239http://www.choosefi.com/?p=2796Fri, 28 Apr 2017 01:00:48 +0000vasderA single listener voicemail tackled three major money leaks — housing, transportation, and discretionary spending — cutting their budget by over $20,000 a year. Brad Barrett and Jonathan Mendonsa open this week's Friday Roundup to the community,...3022budgeting,irs audits,productivity,savings first,task management,tax planning,tax strategies,wealth management,wealth preservation,wealth succession planningfalse20fullhttps://www.spreaker.com/episode/020-introduction-to-insurance-for-financial-independence--75653061http://www.choosefi.com/?p=2579Sun, 23 Apr 2017 20:00:00 +0000vasderMost people pursuing financial independence earn six figures and live in low-cost areas, right? Brad and Jonathan blow that myth apart by breaking down exactly how two middle-class guys in average American suburbs are building wealth on ordinary...3522auto insurance,disability insurance,health insurance,homeowners insurance,insurance,insurance explained,insurance & protection,ira rollovers,life insurance,long-term care insurance,pet insurance,renters insurance,retirement lifestyle,retirement planning,travel insurance,umbrella insurancefalse20fullhttps://www.spreaker.com/episode/index-investing-how-to-buy-vtsax--75652852http://www.choosefi.com/?p=2729Thu, 20 Apr 2017 20:00:00 +0000vasderWhat if everything you thought you knew about building wealth was holding you back from taking the simplest, most effective action? Jonathan and Brad dissect Jim Collins' stock series—the blueprint that reshaped how the FI community approaches index...3128budgeting,growth investing,index funds,investing,investing 101,investment strategies,saving vs. investing,tax-advantaged investing,travel,value investing,wealth managementfalse19fullhttps://www.spreaker.com/episode/019-stock-market-investing-the-simple-path-to-wealth-part-1--75653177http://www.choosefi.com/?p=2369Mon, 17 Apr 2017 02:00:06 +0000vasderMost investors think they need an advisor, perfect timing, and complex strategies to build wealth. Jim Collins just destroyed all three myths. Jim Collins' Stock Series has become the investing bible for the financial independence community. Brad...5474budgeting,house hacking,investing,investment strategies,stock market analysis,stock valuation techniquesfalse19fullhttps://www.spreaker.com/episode/the-roth-ira-conversion-ladder-a-case-study--75653060http://www.choosefi.com/?p=2648Mon, 17 Apr 2017 02:00:00 +0000vasderMost early retirees worry about accessing retirement funds before 59½ without penalties—but there's a legal workaround that can save you thousands in taxes and penalties. The hosts break down the Roth Conversion Ladder, a strategy that lets you...3786capital gains tax,estate tax planning,ira rollovers,retirement planning,retirement tax planning,self-employment tax,tax credits,tax deductions,tax filing tips,tax planning,tax strategiesfalse17fullhttps://www.spreaker.com/episode/capital-gains-harvesting-never-pay-taxes-again--75653098http://www.choosefi.com/?p=2696Fri, 14 Apr 2017 01:00:24 +0000vasderDid you know you can harvest capital gains—and pay zero taxes? Most people assume any profit triggers the IRS, but that's not how the FI playbook works. Brad and Jonathan tackle listener questions on everything from tax-loss harvesting to maximizing...4030capital gains tax,estate tax planning,growth investing,index funds,investing 101,investment strategies,retirement tax planning,saving vs. investing,self-employment tax,tax-advantaged investing,tax credits,tax deductions,tax filing tips,tax planning,tax strategies,value investing,wealth managementfalse18fullhttps://www.spreaker.com/episode/go-curry-cracker-capital-gains-losses-and-the-roth-conversion-ladder--75653181http://www.choosefi.com/?p=2367Mon, 10 Apr 2017 03:00:07 +0000vasderJeremy retired at 38 after saving 70% of his income for a decade — then figured out how to never pay federal income tax again. The blogger behind Go Curry Cracker walks through the mechanics of retiring early while traveling the world with a young...3988capital gains tax,stock market analysis,stock valuation techniques,tax planning,tax strategiesfalse18fullhttps://www.spreaker.com/episode/mad-fientist-an-origin-story--75653350http://www.choosefi.com/?p=2079Sun, 02 Apr 2017 20:00:00 +0000vasderHitting your financial independence number doesn't guarantee you'll wake up happy the next day. Brandon, the Mad Scientist, reached his FI goal and felt... nothing. What good is tax optimization and early retirement if you haven't figured out what...4472fi fundamentals,net worth,personal financial healthfalse17fullhttps://www.spreaker.com/episode/friends-of-the-library--75653176http://www.choosefi.com/?p=2545Fri, 31 Mar 2017 04:00:41 +0000vasderYour biggest financial win might not be in your portfolio — it's in your housing. A 25-year-old paying $200/month in rent (or nothing at all) while building equity sounds impossible, but it's exactly what house hacking makes possible. Brad Barrett and...4689auto insurance,disability insurance,frugal living,health insurance,homeowners insurance,insurance,insurance explained,life insurance,long-term care insurance,pet insurance,renters insurance,retirement lifestyle,retirement planning,travel insurance,umbrella insurancefalse16fullhttps://www.spreaker.com/episode/016-house-hacking-your-way-to-financial-independence-with-coach-carson--75653158http://www.choosefi.com/?p=2077Sun, 26 Mar 2017 20:00:00 +0000vasderHousing costs consume 25-40% of most household budgets, yet few people ever question whether they could turn that expense into income. Coach Carson explains how strategic real estate moves—particularly house hacking—can eliminate your largest monthly...4447early retirement,financial mindset,frugality,house hacking,real estate,roth irafalse16fullhttps://www.spreaker.com/episode/the-joneses-are-bankrupt--75653340http://www.choosefi.com/?p=2312Fri, 24 Mar 2017 05:00:05 +0000vasderMost people assume financial independence requires decades of earning and sacrificing. But what if the biggest barrier isn't your age, income, or even your current debt—it's simply the decision to start? Jonathan and Brad pull together listener...3876capital gains tax,money mindset,tax planningfalse15fullhttps://www.spreaker.com/episode/015-second-generation-financial-independence-and-college-planning--75653210http://www.choosefi.com/?p=2073Sun, 19 Mar 2017 20:00:00 +0000vasderMost parents worry about leaving their kids money—but what if the bigger gift is teaching them how to think about it? When Brad and Jonathan brought on Justin McCurry from Root of Good, who retired at 33 with three young children, they explored how...4271debt management,debt-to-income ratio,house hacking,kids & family financefalse15fullhttps://www.spreaker.com/episode/what-s-the-right-way-to-calculate-net-worth--75653106http://www.choosefi.com/?p=2276Fri, 17 Mar 2017 05:00:32 +0000vasderMost people spend decades preparing financially for retirement but barely think about what comes after. Brad and Jonathan tackle this paradox head-on, unpacking listener questions on everything from crafting a meaningful money philosophy to optimizing...2698budgeting,early retirement,fi fundamentals,financial mindset,net worth,personal financial healthfalse14fullhttps://www.spreaker.com/episode/the-phases-of-fi-with-1500-days--75653193http://www.choosefi.com/?p=1421Sun, 12 Mar 2017 20:00:00 +0000vasderWalking away from a bigger house in a fancier zip code sounds crazy — until you realize the pressure to keep up was crushing your soul. Carl Jensen (Mr. 1500) made that exact call, choosing to downsize and redirect his energy toward what actually...3031fi fundamentalsfalse14fullhttps://www.spreaker.com/episode/control-your-tax-rate-r--75653202http://www.choosefi.com/?p=2067Fri, 10 Mar 2017 05:00:35 +0000vasderYou've spent a decade screwing up your finances — and that might be perfectly fine. Public employees have access to retirement accounts most people have never heard of, and these tools can turn even the worst financial start into a million-dollar...2727capital gains tax,debt management,debt-to-income ratio,estate tax planning,retirement tax planning,self-employment tax,tax credits,tax deductions,tax filing tips,tax planning,tax strategiesfalse13fullhttps://www.spreaker.com/episode/013-the-unfair-fi-advantage-of-teachers-457b-plans--75653264http://www.choosefi.com/?p=1418Sun, 05 Mar 2017 19:00:00 +0000vasderMost middle-class state employees have no idea they're sitting on a retirement goldmine. Public service jobs — teaching, firefighting, police work — come with 403(b) and 457 plans that let you save vastly more than a typical 401(k), slash your tax...3012budgeting,early retirement,financial goal setting,fire movement,retirement age planning,retirement planning,side hustle,tax strategiesfalse13fullhttps://www.spreaker.com/episode/introducing-the-friday-roundup--75653072http://www.choosefi.com/?p=1924Thu, 02 Mar 2017 19:00:00 +0000vasderTwenty thousand downloads in the first month — how does a brand-new podcast about financial independence explode that fast? Brad and Jonathan kick off their Friday Roundup series by unpacking early wins, listener energy, and the surprising insights...2680capital gains tax,estate tax planning,fi fundamentals,retirement tax planning,self-employment tax,tax credits,tax deductions,tax filing tips,tax planningfalse12fullhttps://www.spreaker.com/episode/frugal-living-how-to-save-75-of-your-income-frugalwoods--75653113http://www.choosefi.com/?p=1416Sun, 26 Feb 2017 19:00:00 +0000vasderMost people think saving 75% of their income requires sacrifice and misery. Liz from Frugalwoods and her husband proved the opposite: they saved up to 82% of their take-home pay while raising a family in an expensive city—and actually enjoyed the...3458frugal living,home buying,retirement age planning,retirement planningfalse12fullhttps://www.spreaker.com/episode/011-welcome-to-the-hot-seat--75653248http://www.choosefi.com/?p=1414Sun, 19 Feb 2017 19:00:00 +0000vasderMost people think getting your financial life together means grinding until 65 and hoping you saved enough. Brad and Jonathan flip that script: you can control your life by your 30s if you stop repeating the same expensive mistakes everyone else...1902home buying,spending smarterfalse11fullhttps://www.spreaker.com/episode/009-travel-rewards-how-to-travel-the-world-for-almost-free-the-easy-way--75653180http://www.choosefi.com/?p=1233Sun, 05 Feb 2017 19:00:00 +0000vasderTravel can be one of life’s richest experiences—but also one of the most expensive. For many families, the high cost of flights, hotels, and car rentals makes it feel out of reach. But what if you could turn your everyday spending into free flights...3662diet,fitness,health,travel rewardsfalse9fullhttps://www.spreaker.com/episode/008-avoid-bank-fees-at-all-cost--75652961http://www.choosefi.com/?p=982Sun, 29 Jan 2017 19:00:00 +0000vasderBank fees signal financial distress — if you're paying them regularly, something deeper needs fixing. Jonathan and Brad examine why Americans hemorrhaged $32 billion in overdraft fees alone in 2016, and more importantly, how to ensure you never...933budgeting,emergency funds,fi fundamentals,frugalityfalse8fullhttps://www.spreaker.com/episode/007-how-to-crush-your-grocery-bill--75653307http://www.choosefi.com/?p=978Sun, 22 Jan 2017 19:00:00 +0000vasderThe average American household throws away nearly a third of the food it buys — money literally rotting in the fridge before it ever hits the trash can. Jonathan and Brad tackle America's food spending crisis, connecting the dots between waistlines...2907budgeting,frugality,spending,spending smarterfalse7fullhttps://www.spreaker.com/episode/006-the-power-of-partnerships-choosefi-origin-story--75653218http://www.choosefi.com/?p=974Sun, 15 Jan 2017 19:00:00 +0000vasderMost successful ventures don't start with a perfect plan — they start with a cold email to a stranger. Brad and Jonathan share the origin story of ChooseFI, unpacking why partnerships accelerate progress, how to find the right collaborator, and what...1433accountability,community,community building,entrepreneurship,networkingfalse6fullhttps://www.spreaker.com/episode/005-why-everyone-needs-dave-ramsey-and-why-you-should-ignore-him--75653251http://www.choosefi.com/?p=968Sun, 08 Jan 2017 19:00:00 +0000vasderDave Ramsey's advice works brilliantly for people drowning in debt — and falls apart for almost everyone else. Brad and Jonathan tackle the paradox of Ramsey's teachings: why his system rescues millions from financial chaos while simultaneously...3543debt management,emergency funds,fi fundamentals,financial mindsetfalse5fullhttps://www.spreaker.com/episode/004-paying-off-168k-in-student-loan-debt-jonathan-s-origin-story--75653275http://www.choosefi.com/?p=876Mon, 26 Dec 2016 19:00:00 +0000vasderThe median pharmacy graduate carries a six-figure loan balance — but what if I told you the real cost is double that number? Between taxes on higher earnings and interest accumulation, a $168,000 student loan requires generating over $300,000 in gross...1694debt,debt management,financial mindsetfalse4fullhttps://www.spreaker.com/episode/003-why-investment-fees-are-evil-and-how-to-avoid-them--75653030http://www.choosefi.com/?p=844Thu, 22 Dec 2016 19:00:00 +0000vasderYou've been told to buy and hold, but here's the truth: sitting still could cost you over a million dollars. Brad and Jonathan break down how investment fees — the ones you probably didn't even know you were paying — quietly drain hundreds of...1066investing,investment portfolio,investment risks,investment strategies,property investment,stock market analysis,wealth managementfalse3fullhttps://www.spreaker.com/episode/002-why-failure-matters-brad-backstory--75653291http://www.choosefi.com/?p=836Mon, 19 Dec 2016 19:00:00 +0000vasderMost people think failure disqualifies you from success. Brad's dropshipping disaster—where he sold firewood racks he'd never even seen—became the foundation for a thriving personal finance career and the ChooseFI community. This episode traces his...1960budgeting,community,financial mindsetfalse2fullhttps://www.spreaker.com/episode/001-get-started-on-the-path-to-financial-independence--75652862http://www.choosefi.com/?p=801Sat, 17 Dec 2016 19:00:00 +0000vasderMost people think financial independence means working until 65 and hoping for the best. Brad Barrett and Jonathan Mendonsa started this podcast to prove the opposite: with the right strategies, you can make work optional in your best years, not just...1345budgeting,fi fundamentals,financial goal setting,financial mindset,fire movement,savings ratefalse1full