Episódios
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In this episode: downsizing, coastFI, redefining your goals, overcoming material attachments, and building community.
This week Ginger is joined by community member Anne, to discuss her process of downsizing and navigating the physical and emotional attachments we associate with objects, places and people. Additionally, the pair discuss the importance of taking mini-retirements, cultivating gratitude, as well as share some podcasts and books that have helped them on their journey. We often say FI allows you the freedom and space to discover what more you want out of life, but that doesn’t mean you should wait until you reach your goal to actually start making the moves to get there! Whether you’re near the finish line or just beginning, don’t wait to explore other possibilities that can elevate not only your FI journey but your life.
🔑 Key Themes Discussed: The emotional journey of downsizing and letting go of possessions Achieving CoastFI and the realization of financial independence The significance of mini-retirements and experimenting with lifestyle choices Personal growth and redefining goals in mid-life The psychological effects of decision-making in early retirement Creating space for joy and gratitude in life transitions Overcoming attachment to material possessions and past dreams Building community after major life transitions, such as moving and career changes 🕒 Chapters: 00:00 – Introduction: Ginger and Anne’s Journey 01:00 – Anne’s Recent Move and Downsizing 03:00 – Discovering Financial Independence Through the FI Formula 07:00 – Defining CoastFI and the Big Epiphany Moment 10:00 – Reflecting on Personal Goals and Letting Go of Past Dreams 13:00 – Experimenting with Mini-Retirements: Learning from the FI Community 16:00 – Downsizing: The Emotional Process of Letting Go 22:00 – Influence of Family Illness and Death on the FI Journey 27:00 – The Challenge of Winter Depression and Its Role in Change 31:00 – Selling the Family Home: Closure and Moving Forward 36:00 – Gratitude and the Practice of Being Present 40:00 – Taking the Leap: Early Retirement and What Comes Next 46:00 – Finding Community and Building a New Life After Moving 51:00 – The Courage to Try New Things and Embrace Discomfort 55:00 – Final Reflections on Joy, Curiosity, and Living Without Regret 🔗 Mentioned Links and Resources: Contact Anne: [email protected] “Disrupt Yourself, With a New Introduction: Master Relentless Change and Speed Up Your Learning Curve” by Whitney Johnson “The Artist’s Way: 30th Anniversary Edition” by Julia Cameron Retire Often Podcast Famous Failures “Think Like a Rocket Scientist: Simple Strategies You Can Use to Make Giant Leaps in Work and Life” by Ovan Varol Subscribe to The FI Weekly! More Helpful Links and FI Resources: Top 10 Recommended Travel Rewards Credit Cards Empower: Free Dashboard to Track Your Finances CIT Bank Platinum Savings Account M1 Finance: Commission-Free Investing, 1-click rebalancing CashFreely: Maximize Your Cash Back Rewards Travel Freely: Track all your rewards cards and points Emergency Binder: For Your Family’s Essential Info (code ‘CHOOSEFI’ for 20% off) Student Loan Planner: Custom Consult (with $100 Discount) Get a cheaper phone plan with Mint Mobile -
In this episode: doing the hard things, travel rewards, the gap and the gain, health and wellness, and real estate.
This week we are back with another listener Mail Bag featuring Ginger. Listen along as we cover a range of topics from recents trips we’ve taken, facing and overcoming challenges, The Gap and the Gain, taxes in retirement and a realistic outlook on how much you’ll be paying, the rule of 72, as well as shout out some of your FI wins! So much to cover and much more to learn in this week’s episode.
🔑 Key Themes Discussed: Financial Independence (FI) journey and making big life transitions The importance of experiencing challenging tasks to build resilience (“doing hard things”) Insights on taxes in retirement: why you may pay less than expected Travel hacks: optimizing family cruises and travel rewards points The psychological approach to financial success: The Gap and The Gain concept Personal health and wellness: Brad’s journey with hiking, saunas, and cold plunges Community wins: listener success stories on saving, investing, and achieving FI Health insurance strategies for early retirees Real estate strategies and long-term capital gains tax advantages Addressing common FI misconceptions and how to optimize your finances 🕒 Chapters: 00:00 – Introduction and Recent Trips 01:30 – Travel Rewards and Cruise Optimization 06:00 – Family Vacations and Cruise Hacks 08:30 – Colorado Trip and Doing Hard Things 10:00 – Hiking Challenges: Lessons from FI and Fitness 17:00 – Financial Independence Journey: Overcoming Obstacles 21:00 – The Gap and The Gain: Mental Shifts for Success 27:00 – Understanding Taxes in Retirement 35:00 – Health Insurance and Early Retirement Strategies 40:00 – Capital Gains Tax and Real Estate in FI 48:00 – Listener Questions and Real-Life Examples 55:00 – Community Wins: Listener Success Stories 59:00 – Travel Rewards Victory: Booking Free International Trips Resources Mentioned In Today’s Episode: “The Gap and The Gain: The High Achievers’ Guide to Happiness, Confidence, and Success” by Dan Sullivan and Dr Benjamin Hardy The Shockingly Simple Math Behind Early Retirement BiggerPockets Real Estate Podcast “Set for Life: Dominate Life, Money, and the American Dream” by Scott Trench Subscribe to The FI Weekly! More Helpful Links and FI Resources: Top 10 Recommended Travel Rewards Credit Cards Empower: Free Dashboard to Track Your Finances CIT Bank Platinum Savings Account M1 Finance: Commission-Free Investing, 1-click rebalancing CashFreely: Maximize Your Cash Back Rewards Travel Freely: Track all your rewards cards and points Emergency Binder: For Your Family’s Essential Info (code ‘CHOOSEFI’ for 20% off) Student Loan Planner: Custom Consult (with $100 Discount) Get a cheaper phone plan with Mint Mobile -
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In this episode: the lock in effect, renting vs buying, househacking in 2024, interest rate, and real estate investment.
In this episode, Scott Trench of BiggerPockets shares invaluable insights into the 2024 real estate market, breaking down everything from housing supply to interest rates, syndications, and investment strategies. Whether you’re a seasoned investor or just curious about real estate, this episode provides a window into the current state of real estate investing the FI way!
🔑 Key Themes Discussed: The impact of rising interest rates on real estate markets in 2024 The “lock-in effect” and how low-interest mortgages affect housing supply Rent vs. buy decisions in today’s market The rise of multifamily and single-family housing supply, especially in regions like Austin House hacking in 2024: Is it still viable? The state of commercial real estate and multifamily investments How interest rate trends impact real estate investors Opportunities for investors in a downturn: Finding deals amidst crisis Syndications: Potential pitfalls, bad actors, and lessons learned for 2024 Real estate investment strategies: What to do with your mortgage and how to balance risk 🕒 Chapters: 00:00 – Introduction: Welcoming Scott Trench 01:00 – Rising Interest Rates and Market Effects 03:00 – Housing Supply and the Lock-in Effect Explained 04:30 – Rent vs. Buy: How the Calculus Has Changed 09:00 – The Build-to-Rent Industry and Single-Family Rentals 12:00 – House Hacking in 2024: Is It Still Worth It? 16:00 – Multifamily Housing Supply and Regional Trends 17:00 – Commercial Real Estate: What’s Happening Now? 20:00 – How Interest Rates Are Crushing Commercial Investors 24:00 – Opportunities Amidst a Crisis: Where to Find Deals 27:00 – The Real State of Syndications: Risks and Rewards 33:00 – Evaluating Syndicators: How to Find Good Deals in 2024 36:00 – Real Estate Investment Strategies: Notes, Funds, and Lending 43:00 – Pay Off Your Mortgage or Invest? 50:00 – Long-Term Real Estate Bets and Holding Strategies 56:00 – Wrap-Up: Key Takeaways and Final Thoughts 🔗 Mentioned Links and Resources: BiggerPockets The BiggerPockets Money Podcast Subscribe to The FI Weekly! More Helpful Links and FI Resources: Top 10 Recommended Travel Rewards Credit Cards Empower: Free Dashboard to Track Your Finances CIT Bank Platinum Savings Account M1 Finance: Commission-Free Investing, 1-click rebalancing CashFreely: Maximize Your Cash Back Rewards Travel Freely: Track all your rewards cards and points Emergency Binder: For Your Family’s Essential Info (code ‘CHOOSEFI’ for 20% off) Student Loan Planner: Custom Consult (with $100 Discount) Get a cheaper phone plan with Mint Mobile -
In this episode: surpriseFI, minimalism, frugality, emotional and psychological aspects of FI, and alternative lifestyles.
We often get a lot of great ideas and questions from the FI community, and what better way to answer some as well as inspire than bring in one of our own to discuss their journey! In this special Friday episode, Ginger is joined by member of the FI community, Kim, to discuss how she found herself on her “surpriseFI” journey. Together, the pair talks about balancing frugality and minimalism, the importance of designing the life you want, as well as share some resources and recommendations that helped her on her journey!
🔑 Key Themes Discussed: The journey to achieving Financial Independence (FI) through surprise and discovery Minimalism, frugality, and living below your means as a path to freedom Transitioning from work life to financial independence and early retirement Personal reflections on housing, relationships, and travel in post-retirement life Emotional and psychological aspects of financial independence Strategies for aligning personal values with financial decisions Exploring alternative lifestyles: hatchback camping, Peace Corps, and low-cost living 🕒 Chapters: 00:00 – Introduction and How Kim and Ginger Met 02:00 – Kim’s Journey to Surprise Financial Independence 06:00 – Experimenting with Early Retirement: Leave of Absence Strategy 09:00 – Living Frugally: Kim’s Minimal Spending Habits 12:00 – Kim’s Unique Housing Situation and Thoughts on Real Estate 15:00 – The Role of Minimalism in Achieving Financial Freedom 17:00 – Life After Retirement: Adventure, Travel, and Hatchback Living 23:00 – Challenges and Opportunities in Dating After FI 27:00 – Personal Growth, Goals, and the Desire for Meaningful Projects 33:00 – Financial Planning Tools and Resources for FI 35:00 – Balancing Frugality and Enjoyment: Traveling on a Budget 40:00 – Final Thoughts: Kim’s Recommendations for an Extraordinary Life 🔗 Mentioned Links and Resources: “Your Money or Your Life: 9 Steps to Transforming Your Relationship with Money and Achieving Financial Independence” by Vicki Robinson, Joe Dominguez, and Mr Money Mustache. Contact Kim: [email protected] “Rich Dad Poor Dad: What the Rich Teach Their Kids About Money That the Poor and Middle Class Do Not!” by Robert Kiyosaki Rich, Broke, or Dead? Post Retirement FIRE Calculator Go Curry Cracker | Capital Gains, Losses and The Roth Conversion Ladder | ChooseFI Ep. 18 Afford Anything with Paula Pant | Vicki Robin: Financial Independence After 70 [GREATEST HITS WEEK] Subscribe to The FI Weekly! More Helpful Links and FI Resources: Top 10 Recommended Travel Rewards Credit Cards Empower: Free Dashboard to Track Your Finances CIT Bank Platinum Savings Account M1 Finance: Commission-Free Investing, 1-click rebalancing CashFreely: Maximize Your Cash Back Rewards Travel Freely: Track all your rewards cards and points Emergency Binder: For Your Family’s Essential Info (code ‘CHOOSEFI’ for 20% off) Student Loan Planner: Custom Consult (with $100 Discount) Get a cheaper phone plan with Mint Mobile -
In this episode: 5% safe withdrawal rate, the three stories, psychology and personal finance, and community.
In this insightful episode of the ChooseFI Podcast, Brad chats with Frank Vasquez, a well-known figure in the financial independence community and the voice behind Risk Parity Radio. They delve into Frank’s journey from a career in law to becoming a personal finance expert, and explore topics like the 5% safe withdrawal rate, revealed preferences, and Frank’s three defining life stories. This conversation offers insight on approaching personal finance, investments, and life after achieving financial independence. Frank shares his unique blend of academic rigor, personal curiosity, and his thoughtful approach to living with purpose in the post-FI world.
🔑 Key Themes Discussed: Understanding the 5% Safe Withdrawal Rate (SWR) and its practical application. How revealed preferences shape financial and life decisions. The three stories Frank lives by: the Curious Child, the Starfish Thrower, and the Mexican Fisherman. How narrative psychology impacts our personal finance decisions. Personal experiences in managing life post-financial independence. The intersection of economics, personal finance, and storytelling. Practical insights on podcasting, community engagement, and sharing financial knowledge. 🕒 Chapters: 00:00 – Introduction to Frank Vasquez and Risk Parity Radio. 03:00 – Frank’s Journey: From Law to Personal Finance Expert. 07:30 – Understanding the 5% Safe Withdrawal Rate. 15:00 – The Three Stories Frank Lives By. 25:00 – Revealed Preferences: What Do We Really Want? 35:00 – Narrative Psychology and Personal Finance Decisions. 45:00 – Post-FI Life: Teaching, Relationships, and Purpose. 55:00 – Frank’s Thoughts on Podcasting and Community. 🔗 Mentioned Links and Resources: Risk Parity Radio Big Think video on Narrative Psychology with Jane Goodall and Terry Crews “Build the Life You Want: The Art and Science of Getting Happier” by Arthur Brooks and Oprah Winfrey The Role Of Bonds In A Portfolio with Frank Vasquez | ChooseFI Ep 194 Find Your Local ChooseFI Group More Helpful Links and FI Resources: Top 10 Recommended Travel Rewards Credit Cards Empower: Free Dashboard to Track Your Finances CIT Bank Platinum Savings Account M1 Finance: Commission-Free Investing, 1-click rebalancing CashFreely: Maximize Your Cash Back Rewards Travel Freely: Track all your rewards cards and points Emergency Binder: For Your Family’s Essential Info (code ‘CHOOSEFI’ for 20% off) Student Loan Planner: Custom Consult (with $100 Discount) Get a cheaper phone plan with Mint Mobile -
In this episode: overcoming fears, the importance of community, community wins, reaching FI goals, and ripple effects.
This week Brad is re-joined by Ginger for another installment of the round-up, where we will be discussing topics such as new 529 plans, the importance of making connections within your community, and actionable steps for overcoming anxieties while on your FI journey! Additionally, it wouldn’t be a round-up episode without as well as shouting out some frugal wins from our wonderful community! While these episodes are not only a great way for us to give you personal updates and perspectives, it’s an even better way for us to highlight some of the tips and tricks you’ve picked up on your respective FI journeys!
🔑 Key Themes Discussed: The psychological aspects of financial independence and overcoming fear. Building a fulfilling life by focusing on fulfilling days. Strategies for maximizing benefits from 529 plans. The importance of community and connection in the FI journey. Overcoming anxiety and embracing serendipity in life choices. Practical steps for financial checkups and optimization. Leveraging travel and experiences for personal growth and connection. Exploring frugality and financial prudence in everyday decisions. 🕒 Chapters: Introduction to the Episode with Brad and Ginger Highlighting Community Wins and Stories Embracing Challenges and Overcoming Fears in Personal Growth Listener Voicemail – Updates on Reaching FI Goals New Rules and Tips for 529 Plans Frugal Wins of the Week Big Financial Moves and Their Ripple Effects Conclusion and Reflections on Building Community and Connection 🔗 Mentioned Links and Resources: Update: Healthiest Year Ever | Dean Turner | ChooseFI Ep 480 Making FI Fun Again | ChooseFI Ep 502 Subscribe To The FI Weekly More Helpful Links and FI Resources: Top 10 Recommended Travel Rewards Credit Cards Empower: Free Dashboard to Track Your Finances CIT Bank Platinum Savings Account M1 Finance: Commission-Free Investing, 1-click rebalancing CashFreely: Maximize Your Cash Back Rewards Travel Freely: Track all your rewards cards and points Emergency Binder: For Your Family’s Essential Info (code ‘CHOOSEFI’ for 20% off) Student Loan Planner: Custom Consult (with $100 Discount) Get a cheaper phone plan with Mint Mobile -
In this episode: entrepreneurship, side hustles, overcoming fear, community, sharing and maintaining passion projects.
This week we are joined by Kyle Nolan, creator and founder of ProjectionLab, where we will be discussing how he left his 9 to 5 to pursue a passion project, some of the challenges and realizations he’s faced while creating his software, as well as the importance of investing in your interests regardless of the risk or self-doubt you may feel. The journey to FI offers many things, such as freedom and autonomy to pursue new things, but it’s important to remember that you don’t have to wait until you reach FI to start investing in things that are of value to you! By pouring yourself into something that interests you will always guarantee a payback!
🔑 Key Themes Discussed: Kyle’s journey from traditional employment to entrepreneurship. The development and impact of ProjectionLab in the FI community. The role of personal passion in creating and growing a side hustle. Overcoming fear and indecision when launching a new venture. The importance of a supportive community in achieving financial independence. 🕒 Chapters: Introduction to Kyle Nolan and ProjectionLab Kyle’s background and the start of his FI journey The motivation behind creating ProjectionLab The challenges and rewards of entrepreneurship The pivotal moment of launching ProjectionLab on Hacker News The significance of mental headspace in pursuing side projects Brad’s reflections on proof of concept and personal finance journey How to encourage children to explore their passions in technology 🔗 Mentioned Links and Resources: ProjectionLab (Use Code "CHOOSEFI" for 10% off!) Richmond Savers Subscribe to The FI Weekly! More Helpful Links and FI Resources: Top 10 Recommended Travel Rewards Credit Cards Empower: Free Dashboard to Track Your Finances CIT Bank Platinum Savings Account M1 Finance: Commission-Free Investing, 1-click rebalancing CashFreely: Maximize Your Cash Back Rewards Travel Freely: Track all your rewards cards and points Emergency Binder: For Your Family’s Essential Info (code ‘CHOOSEFI’ for 20% off) Student Loan Planner: Custom Consult (with $100 Discount) Get a cheaper phone plan with Mint Mobile -
In this episode: debt and investing, the 4% rule, Roth 401k and traditional 401k, and total return investing.
This week we are back with a listener Mail Bag featuring returning guest Rachael Camp! Together, we will be answering questions and giving our feedback on nuanced topics asked by the community! Listen along for discussions about the 4 percent rule, how taxes are factored into your FI number, investing in dividends, paying down debt versus investing, and finally a shortlist of actionable steps one could take if they are young and beginning their FI journey. There is much to discuss and so much more to learn this week as we tackle your FI questions!
Rachael Camp offers advisory Services through Creative Financial Designs, Inc., a Registered Investment Adviser, and Securities are offered through cfd Investments, Inc., a Registered Broker/Dealer, Member FINRA & SIPC, 2704 S. Goyer Rd., Kokomo, IN 46902. 765-453-9600. Camp Wealth is not affiliated with the CFD companies.
🔑 Key Themes Discussed: Introduction to Financial Independence Debt vs. Investing The 4% Rule and Taxes Roth 401k vs. Traditional 401k Dividends vs. Total Return Investing Second Generation FI 🕒 Chapters: Getting Started with FI Debt vs. Investing 4% Rule and Tax Implications Roth 401k vs. Traditional 401k Dividends vs. Total Return Investing Second Generation FI 🔗 Mentioned Links and Resources: Find Your Local ChooseFI Facebook Group Preparing for the Cost of College | Brian Eufinger | ChooseFI Ep 460 How To Test Out of College While You’re Still In High School | Millionaire Educator | ChooseFI Ep 238 How to Access Your Retirement Accounts Before 59.5 | Sean Mullaney | ChooseFI Ep 475 Subscribe to The FI Weekly! More Helpful Links and FI Resources: Top 10 Recommended Travel Rewards Credit Cards Empower: Free Dashboard to Track Your Finances CIT Bank Platinum Savings Account M1 Finance: Commission-Free Investing, 1-click rebalancing CashFreely: Maximize Your Cash Back Rewards Travel Freely: Track all your rewards cards and points Emergency Binder: For Your Family’s Essential Info (code ‘CHOOSEFI’ for 20% off) Student Loan Planner: Custom Consult (with $100 Discount) Get a cheaper phone plan with Mint Mobile -
This week on ChooseFI, Brad welcomes Devon, a 22-year-old National Guard member and aspiring mechanical engineer, to discuss the power of intentionality and personal finance! Together, Brad and Devon explore how small, deliberate actions can create a domino effect in shaping one's financial future. Devon shares his journey from joining the National Guard at 17 to discovering financial independence through ChooseFI, and how his disciplined approach to life has led him to save for his first home, maximize military benefits, and even inspire his peers.
🔑 Key Topics Discussed:
The Domino Effect: How Small Actions Lead to Big Changes Financial Independence: Starting Young and Staying Disciplined Maximizing Military Benefits: Tuition Assistance and Beyond Real Estate Goals: Saving for a Down Payment with Intentionality Mentorship and Networking: Learning from Industry Professionals Practical Financial Tips: Budgeting, Saving, and Investing Wisely🕒 Chapters:
Introduction to Devon's Story and His Early Start in FI The Domino Effect: How Devon Visualizes His Financial Future Navigating College and Military Life: Tuition, Benefits, and Budgeting Saving for Real Estate: Devon's Plan to Buy His First Home Mentorship and Networking: Building a Successful Career Path Practical Financial Tips for Young Adults and Military Members Intentional Living: Balancing Work, School, and Personal Goals Key Takeaways and Final Thoughts🔗 Devon's Links and Resources Mentioned in the Show:
Devon's Website: Freedom By the Day Liberated Mind Library Instagram Contact Devon via Email: [email protected] -
In this episode: Roth IRA conversion ladder, starting with the end in mind, investing for growth or stability, and retirement planning.
While we have covered Roth IRA Conversion Ladders on ChooseFI before, we have never in the past taken such a deep dive into the subject like we do in this week's episode! Once again, we are joined by friend of the show Cody Garrett from Measure Twice Money, as we cover a high-level-FI approach to the Roth IRA conversion ladder and ways one could approach propelling themselves into a FI fueled retirement!
Cody Garrett:
Website: Measure Twice Money YouTube: @MeasureTwiceMoneyResources Mentioned In Today’s Episode:
Measure Twice Money ChooseFI Podcast Resources The Roth IRA Conversion Ladder | A Case Study | ChooseFI Ep. 17R Roth IRA Conversion Ladder Case Study | ChooseFI Ep. 163R Find Your Local ChooseFI Group Subscribe to The FI Weekly!
More Helpful Links and FI Resources: Top 10 Recommended Travel Rewards Credit Cards Empower: Free Dashboard to Track Your Finances CIT Bank Platinum Savings Account M1 Finance: Commission-Free Investing, 1-click rebalancing CashFreely: Maximize Your Cash Back Rewards Travel Freely: Track all your rewards cards and points Emergency Binder: For Your Family’s Essential Info (code ‘CHOOSEFI’ for 20% off) Student Loan Planner: Custom Consult (with $100 Discount) Get a cheaper phone plan with Mint Mobile -
In this episode: travel rewards, frugality, companion passes, international travel, intentional spending, and listener questions.
This week Brad is re-joined by Ginger as together they go back to basics during our returning round-up segment! This time around, the pair will be talking about recent travels and hacks they’ve used, travel rewards tips, answering some community questions, and shouting out some of your FI wins of the week! This episode is a great way to crowd-source new tips for people just beginning their FI journey, from learning how to navigate companion passes when traveling, to learning how to both save and spend your money with intentionality!
Resources Mentioned In Today’s Episode: Friday Roundup | Huge Announcement | ChooseFI Ep. 22R Travel Rewards ChooseFI Living Frugal Frugalwoods | Save 75% Of Your Take Home Pay | ChooseFI Ep. 12 The True Cost Of Car Ownership | ChooseFI Ep. 22 Subscribe to The FI Weekly! More Helpful Links and FI Resources: Top 10 Recommended Travel Rewards Credit Cards Empower: Free Dashboard to Track Your Finances CIT Bank Platinum Savings Account M1 Finance: Commission-Free Investing, 1-click rebalancing CashFreely: Maximize Your Cash Back Rewards Travel Freely: Track all your rewards cards and points Emergency Binder: For Your Family’s Essential Info (code ‘CHOOSEFI’ for 20% off) Student Loan Planner: Custom Consult (with $100 Discount) Get a cheaper phone plan with Mint Mobile -
In this episode: travel rewards, IRA conversions, working with FAFSA, health insurance, and the FI journey.
This week we are joined by community member and listener Connie to discuss the beginning of her FI journey, and the transformative steps she’s taken to further maximize her journey for her and her family. With so many resources available to learn and assist you while on the path to FI, the influx of information may seem overwhelming. Knowing how to organize the information will allow you to utilize the hacks and tricks that take some of the pressure off, and grant the opportunity for you to adapt and create the life you want!
Resources Mentioned In Today’s Episode: Abundo Wealth Advice-Only Network Nectarine Point.me Seats.aero PointsYeah The $100K Glorified Sleepaway Camp | Millionaire Educator | ChooseFI Ep 386 How To Test Out of College While You’re Still In High School | Millionaire Educator | ChooseFI Ep 238 Mailbag: Breaking up with your Advisor, I Bonds, 4% Rule, Accounts for Kids, Roth IRAs | Sean Mullaney | ChooseFI Ep 447 Find Your Local ChooseFI Group The Courage to Take Action | EconoMe LIVE with Doc G | ChooseFI Ep 488 Subscribe to The FI Weekly! More Helpful Links and FI Resources: Top 10 Recommended Travel Rewards Credit Cards Empower: Free Dashboard to Track Your Finances CIT Bank Platinum Savings Account M1 Finance: Commission-Free Investing, 1-click rebalancing CashFreely: Maximize Your Cash Back Rewards Travel Freely: Track all your rewards cards and points Emergency Binder: For Your Family’s Essential Info (code ‘CHOOSEFI’ for 20% off) Student Loan Planner: Custom Consult (with $100 Discount) Get a cheaper phone plan with Mint Mobile -
In this episode: FI numbers, financial independence, approaching problems differently, and adjusting spending to accommodate FI.
This week join our host Brad in celebrating 500 episodes of Choose FI, as he talks about the start of his FI journey, and highlights topics and episodes from the last few years. The path to FI isn’t just about simplifying your life, but empowering yourself and taking action to design and create the life you want to be living. And while the list is endless for how FI can improve your life, the community you find while on this journey is just as rewarding. Thank you to our listeners and supporters for being on this journey with us!
Resources Mentioned In Today’s Episode: “The Simple Path to Wealth: Your road map to financial independence and a rich, free life” by JL Collins The Safe Withdrawal Rate Series The Side Hustle | The Unspoken Lever of FI | ChooseFI Ep 30 How to Negotiate Your Salary Without Burning Bridges | Financial Mechanic | ChooseFI Ep 211 Negotiate Your Salary With Tori Dunlap | ChooseFI Ep 147 The Roth IRA Conversion Ladder | A Case Study | ChooseFI Ep 17R Subscribe to The FI Weekly! More Helpful Links and FI Resources: Top 10 Recommended Travel Rewards Credit Cards Empower: Free Dashboard to Track Your Finances CIT Bank Platinum Savings Account M1 Finance: Commission-Free Investing, 1-click rebalancing CashFreely: Maximize Your Cash Back Rewards Travel Freely: Track all your rewards cards and points Emergency Binder: For Your Family’s Essential Info (code ‘CHOOSEFI’ for 20% off) Student Loan Planner: Custom Consult (with $100 Discount) Get a cheaper phone plan with Mint Mobile -
In this episode: limiting beliefs, flipping the script, looking for evidence, empowering beliefs, and imposter syndrome.
This week we are rejoined by Jessica from The Fioneers, to discuss the idea of limiting beliefs, from knowing how to identify and define them, to learning to work through and overcome them using her six strategy method. To put this method into practice we workshop two examples of limiting beliefs from FI community members, Samantha and Kyle. While having fears is natural and part of what makes us human, it’s important to be able to distinguish what fears are valid and what limiting beliefs are just holding you back. Whether it’s believing you’re not doing enough on your FI journey, or having a fear of failure, making sure you are continuously working to empower yourself and sift through the self doubt will ensure you live your life with more power and confidence!
The Fioneers: Website: thefioneers.com YouTube: @fioneers Free eMail Course: Overcoming Limiting Beliefs Resources Mentioned In Today’s Episode: The Cure for the Boring Middle | Fioneers | ChooseFI Ep 472 “The Simple Path to Wealth: Your road map to financial independence and a rich, free life” by JL Collins “Wherever You Go There You Are: Time-Tested Principles To Get Unstuck, Expand Your Influence, and Illuminate Your World” by Kyle Collins Subscribe to The FI Weekly! More Helpful Links and FI Resources: Top 10 Recommended Travel Rewards Credit Cards Empower: Free Dashboard to Track Your Finances CIT Bank Platinum Savings Account M1 Finance: Commission-Free Investing, 1-click rebalancing CashFreely: Maximize Your Cash Back Rewards Travel Freely: Track all your rewards cards and points Emergency Binder: For Your Family’s Essential Info (code ‘CHOOSEFI’ for 20% off) Student Loan Planner: Custom Consult (with $100 Discount) Get a cheaper phone plan with Mint Mobile -
In this episode, exercise, sleep, nutrition, mind body activities, social relationships, heat and cold exposure.
This week we are joined by Dr. Bobby DuBois author and host of Live Long and Well podcast, where we will be discussing health optimization and wellness by deep diving into each of what he calls the 6 pillars: Exercise, Sleep, Nutrition, Mind-Body Work, Heat and Cold Exposure, and Social Relationships, while also providing some actionable takeaways you can do in order to live your healthiest life! The best part of the FI journey is you can create and live the life the way you want, but neglecting your physical and mental health may not allow you to thrive the way you want as you inevitably age. Taking the time and the space to prioritize your health, whether it be big or small, can make such a difference over time, and can ensure you’ll be living long into your retirement and well after!
Dr. Bobby Dubois: Website: drbobbylivelongandwell.com Website: Madrone Springs Ranch Podcast: Live Long and Well with Dr. Bobby Resources Mentioned In Today’s Episode: Update: Healthiest Year Ever | Dean Turner | ChooseFI Ep 480 The Matt Walker Podcast Yoga Nidra – Guided Meditation to Relax | 10min InsightTimer Deep Healing by davidji Subscribe to The FI Weekly! More Helpful Links and FI Resources: Top 10 Recommended Travel Rewards Credit Cards Empower: Free Dashboard to Track Your Finances CIT Bank Platinum Savings Account M1 Finance: Commission-Free Investing, 1-click rebalancing CashFreely: Maximize Your Cash Back Rewards Travel Freely: Track all your rewards cards and points Emergency Binder: For Your Family’s Essential Info (code ‘CHOOSEFI’ for 20% off) Student Loan Planner: Custom Consult (with $100 Discount) Get a cheaper phone plan with Mint Mobile -
In this episode: full retirement age, earnings, spousal benefits, survivor benefits, filing for benefits, and the earnings test.
This week, Mike Piper joins the show to talk all things social security and answer listener questions that arose from our last social security related conversation back in episode 474! Whether it is discussing the full retirement age, discussing when to file for benefits, and different situations and their correlating differing types of benefits, Brad and Mike cover your burning questions so when the time comes you can catapult yourself into retirement confident and comfortably. While the topic of social security can often be confusing, being informed and prepared based on you and your families situation can make approaching it a lot less formidable, so listen along now to be ready down the line when it is your time to file!
Mike Piper:
Website: opensocialsecurity.com Book: "Social Security Made Simple: Social Security Retirement Benefits and Related Planning Topics Explained in 100 Pages or Less" by Mike PiperResources Mentioned In Today’s Episode:
Social Security Deep Dive | Denis Shapiro | ChooseFI Ep 474 SSA.tools Social Security Calculator Why Are ETFs (Sometimes) More Tax-Efficient Than Mutual Funds? Subscribe to The FI Weekly! More Helpful Links and FI Resources: Top 10 Recommended Travel Rewards Credit Cards Empower: Free Dashboard to Track Your Finances CIT Bank Platinum Savings Account M1 Finance: Commission-Free Investing, 1-click rebalancing CashFreely: Maximize Your Cash Back Rewards Travel Freely: Track all your rewards cards and points Emergency Binder: For Your Family’s Essential Info (code ‘CHOOSEFI’ for 20% off) Student Loan Planner: Custom Consult (with $100 Discount) Get a cheaper phone plan with Mint Mobile -
In this episode: roth versus traditional IRA, second generation FI, FI and newlyweds, and retirement planning optimization.
This week we are diving back into the listener Mail Bag with our returning guest Rachael Camp to answer questions from the community! Today we will be discussing the differences between Roth and Traditional IRAs and the future variables and factors you should consider, as well as discuss the new rules and considerations surrounding 529 plans and how to best financially plan when considering your children and your spouse. Listen along as YOU, the community, dictate the conversation with your hot-button FI questions!
Rachael Camp: Website: rachaelcampwealth.com Twitter: @camp_wealth YouTube: @CampWealth Instagram: @campwealthPlease note:
Rachael Camp offers advisory Services through Creative Financial Designs, Inc., a Registered Investment Adviser, and Securities are offered through cfd Investments, Inc., a Registered Broker/Dealer, Member FINRA & SIPC, 2704 S. Goyer Rd., Kokomo, IN 46902. 765-453-9600. Camp Wealth is not affiliated with the CFD companies.
Resources Mentioned In Today’s Episode: Mailbag: Spending Down to Zero, High Fee 401(k), Mini Retirements | Rachael Camp | ChooseFI Ep 485 Limits Of Tax Diversification And The Tax Alpha Of Roth Optimization Love, Loss, and Money: The Shocking Financial Aftermath of a FI Spouse’s Death | Amy | ChooseFI Ep 476 Becoming Work Optional Subscribe to The FI Weekly! More Helpful Links and FI Resources: Top 10 Recommended Travel Rewards Credit Cards Empower: Free Dashboard to Track Your Finances CIT Bank Platinum Savings Account M1 Finance: Commission-Free Investing, 1-click rebalancing CashFreely: Maximize Your Cash Back Rewards Travel Freely: Track all your rewards cards and points Emergency Binder: For Your Family’s Essential Info (code ‘CHOOSEFI’ for 20% off) Student Loan Planner: Custom Consult (with $100 Discount) Get a cheaper phone plan with Mint Mobile -
In this episode: real estate, lazy landlording, attracting the right tenants, finding ideal situations, and traveling.
This week we are joined by returning guest James Lowery to discuss his “lazy landlord” concept to streamline and simplify real estate investing as well as set processes in place that not only make your life easier as a landlord but make it easy for your tenets as well! If you are on the FI journey and curious about adding real estate into your portfolio, whether it be long or short term rental properties, there are ways to make it a more simple process than you might think. With some planning and intentional action, the lazy landlording life could be well within your grasp!
James Lowery: Website: rethinktheratrace.com eBook: Tenant Proof Your Property Resources Mentioned In Today’s Episode: Vegan Path To FI | ChooseFI Ep. 90 EconoME Conference “The 4-Hour Workweek: Escape 9-5, Live Anywhere, and Join the New Rich” by Tim Ferris “The 4-Hour Body: An Uncommon Guide to Rapid Fat-Loss, Incredible Sex, and Becoming Superhuman” by Tim Ferris BiggerPockets James Lowery: How to Become a Lazy Landlord Subscribe to The FI Weekly! More Helpful Links and FI Resources: Top 10 Recommended Travel Rewards Credit Cards Empower: Free Dashboard to Track Your Finances CIT Bank Platinum Savings Account M1 Finance: Commission-Free Investing, 1-click rebalancing CashFreely: Maximize Your Cash Back Rewards Travel Freely: Track all your rewards cards and points Emergency Binder: For Your Family’s Essential Info (code ‘CHOOSEFI’ for 20% off) Student Loan Planner: Custom Consult (with $100 Discount) Get a cheaper phone plan with Mint Mobile -
In this episode: financial freedom, starting your own business, you can't sprint forever, buying vs renting, and investing.
This week we are rejoined by host of Financial Feminist podcast and creator of Her First 100K, Tori Dunlap, to fill us in on her journey with FI over the last few years, discuss what financial equity and the importance of building financial foundation and literacy among marginalized groups, as well as discuss how financial advice can differ for men and women. While money can be linked with stability and ease in one's life, the real power that comes from personal finance and independence is the freedom it allows you to not only change your life, but instill change in the communities around you. Although there can be times you feel guilt or shame when discussing financial literacy, there are endless resources at your disposal to educate and have you feeling confident.
Tori Dunlap:
Website: herfirst100k.com Book: “Financial Feminist: Overcome the Patriarchy’s Bullsh*t to Master Your Money and Build a Life You Love” Podcast: Financial Feminist Instagram: @herfirst100k Where to Start: Her First 100k Quiz Resources Mentioned In Today’s Episode: Negotiate Your Salary With Tori Dunlap | ChooseFI Ep 147 Marriage Kids and Money The Impact of Fees on Your Investment “The Simple Path to Wealth: Your Road Map to Financial Independence and a Rich, Free Life” by JL Collins RENTING VS. BUYING: WHAT’S RIGHT FOR ME? Subscribe to The FI Weekly! More Helpful Links and FI Resources: Top 10 Recommended Travel Rewards Credit Cards Empower: Free Dashboard to Track Your Finances CIT Bank Platinum Savings Account M1 Finance: Commission-Free Investing, 1-click rebalancing CashFreely: Maximize Your Cash Back Rewards Travel Freely: Track all your rewards cards and points Emergency Binder: For Your Family’s Essential Info (code ‘CHOOSEFI’ for 20% off) Student Loan Planner: Custom Consult (with $100 Discount) Get a cheaper phone plan with Mint Mobile -
In this episode: doing everything but not at once, building your extraordinary life, optimizing your time, and what to do after FI.
This week we are joined by Alan and Katie Donogan as well as my guest co-host Ginger live from the Design Your Extraordinary Life Weekend event in Las Vegas, where we will be discussing their exercise of envisioning what an extraordinary life can look like in designated areas of your life, as well as learning how identify and overcome limiting beliefs that can hold you back from achieving your dream life. Reaching your FI goal can radically change your life and usher in new freedom, but it doesn’t necessarily mean all your problems go away. While you may be focused on taking actionable steps to to hit your FI number, it's just as important to take actionable steps to build and create the life you want to be living! By taking account of certain areas of your life and identifying the areas and mindsets that need to be changed in order to achieve your extraordinary life, you will not only be on track to living your best life on your FI journey, but continuing to live it well after you reach the finish line!
9 Life Snapshot Categories (Explained here.)
Love and Relationships Career or Business or Mission Finances Physical Environment Friends and Family Fun, Adventure and Passion Health and Wellness Personal Growth and Development SpiritualityAlan and Katie Donegan:
Website: alandonegan.com YouTube: The DonegansResources Mentioned In Today’s Episode:
The Cure for the Boring Middle | Fioneers | ChooseFI Ep 472 EconoME Conference "The Daily Stoic: 366 Meditations on Wisdom, Perseverance, and the Art of Living" by Ryan Holiday and Stephen Hanselman Viola and Dan’s YouTube Channel General Donegan update Subscribe to The FI Weekly! More Helpful Links and FI Resources: Top 10 Recommended Travel Rewards Credit Cards Empower: Free Dashboard to Track Your Finances CIT Bank Platinum Savings Account M1 Finance: Commission-Free Investing, 1-click rebalancing CashFreely: Maximize Your Cash Back Rewards Travel Freely: Track all your rewards cards and points Emergency Binder: For Your Family’s Essential Info (code ‘CHOOSEFI’ for 20% off) Student Loan Planner: Custom Consult (with $100 Discount) Get a cheaper phone plan with Mint Mobile - Mostrar mais
