Celebrating 200 EPISODES (SPECIAL EPISODE) - The History & Future Of The Show!

Many of you are just tuning in to go give me the information . What do I do ? Is it Roth ? Is it 50% equities ? When do I retire ? Got tons of different episodes for you on that , so make sure to check them out .

I want to thank all of you , because I could not do this without you all , obviously , or else I would just be talking straight into garage band and it would be a little weird . Now my fiance still feels still feels odd to say that it's only been about two weeks . But my fiancé is like Ari I just why are you talking to the wall every Wednesday ?

I'm like what I'm like ? She's like , yeah , you're just talking to you know this little computer , you know what are you talking about . Now she's very supportive , but I said first of all , it's Mondays , not Wednesdays . Second , of all , three people listened last month and so that's three more people that care about optimizing an early retirement .

And the point is , I didn't wake up and go oh , I just got to talk about tax planning and investing and withdrawal strategy and that's why I'm on planet Earth and investing and withdrawal strategy , and that's why I'm on planet Earth . I was working about four years ago , so the first episode of this podcast was released on December 2020 .

And shortly after that , we had COVID and a whole lot more crazy stuff . But when I started the show , it was actually called Personal Finance Redefined . At the beginning , you're like hey , is that the worst name imaginable ? Probably . So this was just super wordy . I needed to call it something .

There was already a gazillion other podcasts and when I was working at my previous company called Nuveen , nuveen specializes in municipal bonds , which is how do you create tax-free income ? So I'm here in California Many of you listening are in California , as well as all across the country , and so there are a lot of things I'm not good at , let's be clear .

But I am good at Excel and I'm good at analyzing financials in various ways . So when I left school , nuveen recruited me to go . We want you to be one of our heads of the municipal bond department . So that is leading the charge on explaining to people in a clear way how they can create tax-free income and minimize taxes .

So here I am , thinking that I have this dream role that other people and even my parents , who will admit this saying how could you ever leave this job ? You're in Century City , which is near Beverly Hills , and the lights and the parking . I'm like no , I get that . A normal person maybe should enjoy this , but I just don't .

I think I'm making a difference , but I don't really feel it . I'm talking to these institutions and gigantic endowments but I don't actually feel I'm doing anything . So I go to my manager this was two years after working there . I said , hey , why is it that no one else is talking about the stuff we're talking about when people retire early ?

Because I don't know exactly how an early retirement works . But when someone retires early , doesn't their income go away ? Pretty much like they retire , and there's probably like a timeframe before social security hits and maybe they have to take those required distributions . Can't they be strategic in those years ? And healthcare , and like who's talking about that ?

And they said now , my manager's a nice person . I had a few different managers . So if my manager's listening right now because I know a few of them from my old company do I don't know if , hopefully this is not you listening and offended but they said , and I quote Ari , do not worry about that , that is old , boring people . That's what they said .

My parents were not working with my company now root . They were working with Wells Fargo and they were burned by four different advisors . Many of you know this already . That's why I became an advisor . So my parents are not what are known as do it yourself first . They don't want to manage their finances . They make movies . They don't want to read tax law .

They don't want to manage healthcare that they don't want to do any of that . They just want to make money , and they do a really good job making lots of money , but they don't want to have to worry about doing other stuff . So they're like I need to hire someone .

But every time they would hire someone , they'd get passed off to the next advisor or they wouldn't receive tax guidance , meaning it would only be hey , you should shift your investments so that you have a better allocation , and then they'd get hit with a tax bill and they'd be like hey , advisor , like what just happened ?

And they'd go , oh , just talk to your CPA . And then they'd talk to their CPA and I'd be there to help facilitate some of these conversations . And their CPA would say , go talk to your advisor . And they're like what the heck do I do ? So heck do I do ? So I was like , hey , there's something off with this industry .

So when I was at Nuveen I was like you know what ? I want to start a podcast because I listen to a lot of podcasts . I already had a soccer podcast . So I'm like I know the equipment and I know where to go for this stuff . I'm a big soccer fan .

So football , if any of you guys are in the UK , I know , if a few UK listeners you're like , all right , don't say that . So you get my point . So here I am , at Nuveen and years before . So just going back a little bit , when I was in college I made contact with someone named James Canole . Now James Canole is the founder of Root .

He is my business partner and when I spoke to him I went look , this guy's different . He has his CFP . So he's a certified financial planner at a very young age , which tells me he's doing something right . He has the competency to pass this difficult exam . He knows what he's doing .

He already had his own business and I asked him to tell me his story and he said Ari , I was at Merrill Lynch , then I was at another firm . I ended up leaving to create my own thing because there's not holistic planning happening , but it wasn't designed for an early retirement . So here I come , I'm at Nuveen , I'm staying in contact with this guy , james .

I said listen , james , I want to make sure that anytime we're doing planning , if I end up working for you and partnering together potentially that we're doing it right I end up working for you and partnering together potentially that we're doing it right .

I don't want to just join another financial firm because I work at Nuveen and he's like oh , I'm familiar with Nuveen Now . Nuveen's a good company , but oftentimes they have I would say many of their funds have higher fees than I would like and I don't believe it can always justify the value .

I know everyone doesn't like when I say that , but I just believe there are certain funds you should not own . It's the equivalent in many cases of going to Whole Foods and just buying paper plates . You don't need to do it at Whole Foods , go to the dollar store if you're doing that , or Costco .

So the point here I'm talking to James and , at the same time , part of my role at Nuveen was talking to a lot of advisors and , at the same time , part of my role at Nuveen was talking to a lot of advisors and some of the advisors , let's just say , weren't the most ethical .

They would ask me hey , ari , what amount is Nuveen going to pay me if I put my client in this product ? And I'm like , hey , don't you want to know how well the fund has done , the performance , the yield ? Don't you want financial details ? And they're like no , how much is Nuveen going to pay me ?

And I'm like thinking of my mom and I'm like , well , I looked at my mom's Wells Fargo account because at this point my parents were with Wells Fargo and I saw three Nuveen funds . And I said , hey , mom , did your Wells Fargo advisor tell you about these funds and whether they're good for you or not ?

And she's like , I think they said something , but I don't really know , I didn't understand it . I'm like , okay , that means they didn't do it clearly . And what I imagine happened I still don't know to this day .

But I imagine that advisor said hey , susan , that's my mom's name , susan , I believe that you really need to minimize your taxes because you're in California and you're a high earner . And I'm sure my mom was like , yeah , that's me , I'm so happy , please help . And the advisor's like we're going to use these Nuveen funds .

Let's not go into detail about Nuveen or T Rowe Price or Empower . We're not going to get into the details with these funds . Just trust me , you need them . That's what you're paying me to do . And I bet my mom was like okay . Now I asked my mom and she's like it kind of went down like that , a little different .

But she was like hey , I just wasn't clear . I didn't want to talk about finances . That's just not my thing and I'm just I'm paying someone to fully delegate , so I don't have to worry about that and I'm hoping that they don't screw me over . But I'm not going to not work with an advisor Like I need some help . So I said , totally get it , mom .

And I'm thinking about this conversation while I'm at Nuveen and I'm like okay , I imagine my mom's not the only person who's going through this level of anxiety , seeking financial guidance but not truly getting it . She doesn't know that she's necessarily not getting the best guidance and she's sleeping well because she thinks she has a good fund .

If 40 years continued , she probably wouldn't know . The difference is the reality and it's better than having cash . So she's probably going look , I know I could maybe do better , but at some point here I have to trust someone .

And so I'm thinking about James and I go look , james is not the type of advisor or person that would go , huh , maybe this particular company Nuveen or Vanguard or Fidelity , maybe they're going to pay me more money , so I'm going to use them .

I could just feel that is not who this person is , and I was talking to a lot of advisors when I was working at Nuveen , so it just felt different . So I went you know what ? I ended up partnering with James and it was just James and I for a long time in this little office in Solana Beach , which is like North San Diego , and it was awesome .

Now there's over 25 people that work here at Root . When we started , it was $30 million that James was managing , right when I joined him . So it's a good amount of money , but it's not . You know , you're not making a living .

So , general , I mean , you're making a living but you're not living in a very comfortable way , should I say , because you have expenses of running the business . If generally an advisor fee is 1% , well , 1% of 30 million is , you can see $300,000 .

So if $300,000 is the gross revenue , that's before you've paid himself , that's before expenses , that's and , by the way , it's not 1% because when you have north of a million dollars with us or most advisors , the fee comes down .

So the actual like all in fee might be an average of 0.8 or something like that , just to give you perspective , in fee might be an average of 0.8 or something like that , just to give you perspective . So maybe in the range of let's just call it $250,000 is gross revenue .

Well , he's got to pay himself , he's got expenses , he's got taxes , he's got you got the point here . So he's living comfortably and it's a nice little business . But I joined him , so now I'm another expense and he's like hey , I think I can make this happen , but I don't know Now .

At the time the YouTube channel and podcast was not where it is today , so we were one of Dave Ramsey's lead sources . So actually Dave Ramsey would essentially post a video or make a comment or say something on newsletter and say go work with one of my trusted Dave Ramsey sources and that one of those people was us .

So James and I would have conversations with people that love Dave Ramsey , didn't know anything about us and Dave Ramsey he's a controversial figure . So some people reach out and they're like I hate Dave Ramsey . Other people are like I love Dave Ramsey . We'd hear it all and we're like this is good .

We're getting in front of people that want financial guidance and we need to get people somehow . The majority of what an advisor does in our industry is they're talking to new clients . So what makes what we're doing so different ? Now , fast forward . Now it's been almost four years .

My anniversary at Root will be in a week from now two weeks from now , actually and we have about $750 million and our goal is to grow sustainably . So right now you can see if you're trying to book a call with us , there's a wait list . We're not being mean . I only have nine advisors that work for me currently at Root taking on new clients .

Why is that ? Well , how on earth am I going to know if an advisor is going to be proactive if they're not proactive to get this job , anyone can put oh , I'm a proactive person , so I'm going to go ahead and put that on my resume . Hey , that's great , but how do I really know ? I don't .

So what I'm doing is I'm waiting for people that watch our YouTube videos or listen to our podcast that go . I'm working at Vanguard , at Fidelity , at Schwab , and now I want to work for you as long as I get to choose who I work with . So what makes us really interesting is when you speak to us .

The first conversation is either with me or one of the client success managers here at Root , and it's our job to gauge is this a potential fit ? Do we think one of our advisors will like working with you and do you want to work with us ?

And the reason we do that is let's pretend you instead skip that step and just started talking to an advisor , like , let's assume right now you want to go change advisors , you walk into Edward Jones . Edward Jones is a big , well-known investment company . You could pick Raymond James or Schwab . Let's just choose Edward Jones . You walk into Edward Jones .

Edward Jones' advisor will say John , Jane , let's have a conversation . So now this advisor is spending time , a lot of it , potentially talking to a client that might not end up working with that company with Edward Jones , maybe they do , but that's what this advisor is focusing on and spending their time doing .

I'm not against someone talking to a new client , but if you're the person working with that advisor , I imagine you're like , hey , who's watching my money if you're talking to new clients ?

So if I said , hey , you guys watch our videos and let's assume hypothetically , you go , I want to work with Katie , who's one of our rock star advisors , well , katie's only talking to you after you speak to us and we make sure it's a good fit so that you get to hop right into planning with her .

And that is really different because most of the industry you're , as an advisor , trying to one , feed your family and two , field new clients so that you can grow revenue and hopefully make more money .

So it's a tricky industry because what advisors often are doing is trying to spend time with clients , but not too much , because that means they're not generating new business . Our model's the opposite .

We don't want our advisors spending any time talking to potential clients , we just want them advising and they're joining us because normally they're at a vanguard or schwab or something like that , and they're like look , I have 400 clients here . I work till 5 or 6 pm . I tell my clients to have work-life balance , but I don't have it .

So what james's vision was ? I want to create a place that people love to work . I want this to be holistic . I don't have it . So what James's vision was ? I want to create a place that people love to work . I want this to be holistic . I don't want people to have to go to insurance and then a tax planner and then a state attorney .

It's like can we find one spot where someone can go for all financial planning ? So how does this tie back to the podcast ? Well , the whole early retirement podcast was about . So I first episode was December 2020 .

Then I shifted the name , I believe in June of 2021 , when I was like hey , I'm talking about early retirement concepts , but the podcast is called personal finance redefined . So I think I should probably shift the name , and that really changed things . And all I did was change the name and now more people were searching early retirement .

And so there's a phrase in the early retirement world called financial independence , retire early . It stands for fire and this is not a concept I believe in . This is when people will go . I'm in my 30s and 40s working so hard and I want to retire so badly . I never want to work ever again .

I'm going to get a second job or I'm not going to spend any money on fun . I'm not going to prioritize my health , I'm just going to work like a crazy person and I'm all about working . I love what I do . But this phrase was essentially telling people save all your money so that you can retire at 40 and then never work ever again .

And now they're not fulfilled , they don't have purpose . They just , you know , for 10 years maybe , didn't prioritize their health . So I made up my own definition and I said I believe in financial independence , but not retire early , recreational employment . I want you to know if you are working because you want to or because you have to .

Most of my clients that are in a position to retire early in their 50s don't actually just stop working . They go . I might take a few years off , I might work part time , I might do something else less stressful , but you're just doing what you want to do now , and that's what the whole method is . And when I'm talking about early retirement planning .

The whole idea is , if you retire early , you have an opportunity , your income is really low and you can do things like Roth conversions or tax gain harvesting , which is paying 0% in taxes , and these strategies can often be so much more valuable than continuing to work , meaning sometimes , financially , you could be better off by stopping work , meaning you will

literally have more money . Yes , you'll have more money by stopping work versus continuing to work , depending on your situation . And oftentimes I'll say look , it's going to make more sense for you to work , but if you just keep working at this level for this long , well then there becomes a point here .

It's a breakeven analysis of hey , you keep working , great , but here's how much you keep adding to your 401k . You're just adding to a future tax burden that we're going to have to fix , because if we just keep investing like this , you're going to have too much money in your 70s and you don't have enough money today .

So I want you to start moving money out of your 401k and I want to start converting it , or I want you to start contributing to a different account . There are tweaks that need to be made , generally one to three , sometimes one to five years out from a retirement that most people don't make the tweaks on .

And then here they are , everything's in their 401k , they're 53 . And they're like , hey , I think I want to stop working or I want to taper down , but they can't because they locked up all of their money . So in early retirement is just what are all the strategies that exist so that you can retire on your own terms , which does not mean stopping to work .

Stopping work , you can actually determine wow , I'm going to give more and help out my children with a down payment or I'm going to actually and I've told this story before , but I'll tell it to you one more time the medical story of I'm a soccer player , I love playing soccer . I just flew a month ago from LA to Philly to get this new hip surgery .

It would be my second and my brother knows that I'm in a financially comfortable position . And he said , hey , what if we just lived right next door ? Like what would you do different ?

That's what he asked the surgeon and the surgeon said well , you don't live next door , you're in California , so I don't wanna make you guys potentially fly back if we do something today that doesn't work and now I'm costing you more money . My brother's like I get that . But what if , truly , we live next door ? What would you do ?

He goes , I'd probably try one more injection and I'm over here like I want surgery . It's already been two . They didn't work . And my brother said , ari , we have the financial means to do this means and , by the way , this only worked because my brother knew I had the financial capacity to make this decision .

If I didn't and I wanted to play soccer , we probably would have . He wouldn't have asked the question and I would have had surgery . I could be in a better spot . I could be in a worse spot . There's scar tissue and difficult things that occur with the hip surgery . So the point here is um , my brother asked this question . I got this injection .

It's now been a month . I don't think I'm going to need surgery for a long time . So I can't exactly quantify my brother asking that question and the value it has on my life other than I'm so grateful I did not get a surgery . I did not create more scar tissue .

I already had one surgery and now here I am able to make a financial decision of if I had to fly back and get surgery . I'm comfortable doing it and many of you are right now going . Look , I think I'm on track to retire early .

I feel I'm in a good spot , but I don't really know , and that I don't know is a normal thing that most people have when they're wondering about retirement planning . I'll explain . It's like an MRI I get hurt playing soccer . I'm not a happy guy to be around . Once I get my MRI , I go got it . I know the severity of the injury .

Then I get my physical therapy program I go got it . I'm going to be back in two months . Then I have peace of mind because I know what I need to do . What I find is most people go yeah , I think I'm on track . I have a 401k I might downsize in retirement . I'm probably going to spend more the first few years , but I don't really know .

So I know the early retirement world very well and I don't know many other aspects , but this is what I focus on is helping people generally who have between two all the way to . We have one client with $50 million . We are helping people go . I've done a good job getting to this point . I no longer want to fully delegate .

I no longer want to have to worry about . Am I leaving something on the table ? What am I missing ? And I'm wanting to work with someone . I just want to make sure it's worth the fee .

And I'm a very transparent guy when it comes to fees , because I want people to know what they're paying for and I want them to beg for us to say hey , how much more would you let me pay ? You guys , because this is awesome .

So the whole premise of the early retirement podcast is I've had right now we have , I think it's in the range of 400 to 450 clients working at root . The podcast is over 2 million downloads . So most of you 99% are not going to be working with Root , and I recognize that .

You either have an advisor right now it's a family friend or someone you just trust and they've done a good job . Awesome . If you feel they're a good fit , you can use the ideas from this podcast to go to your advisor and ask more questions of should I have a brokerage account ? When should we do conversions ? What about withdrawal strategy ?

Hey , what's the plan for estate planning ? What happens when you retire ? Am I going to be passed to the next person at your office ? What's the succession plan ? You can use this podcast for your current advisor . You can use this podcast If you're like I don't feel I need an advisor . I just don't feel that . I like I want to do this in retirement .

I don't want to have someone else manage my money . This does not stress me out . You'd be like the opposite of my parents . You'd be like I want to read tax law . I love finding out about new long-term care changes and require distributions , and that's just that's my thing . I go awesome , then use this and maybe that can help you along the way .

And then others of you are like look , I need help , but I just don't know exactly when . And that's what I'm often preaching , which is an advisor can add a lot of value , but it depends on the stage of life .

So if you are 53 and you have a million dollars in a 401k and you're like I want to work with Root , I will tell you don't work with me because we can't add value . And some people get mad . They're like why not ? I want to hire you . I like the philosophy and I say look , you can work with us if you really want to .

But if all of your money's in a 401k and you want to retire in five years . Does it really feel right for me to charge a fee when I cannot even manage the money ? I would only be able to tell you , pick these 10 funds instead of the five funds you have .

So I just don't feel it's worth hiring an advisor in often situations like that If someone comes to me and they go Ari , I'm 58 . I have $4 million . I have a million in IRA and 3 million in Microsoft stock because I'm just thinking of one client , who is that person ? He's like I don't know what to do . Should I diversify ? But there's taxes .

When do I do it ? I want to retire early . My wife is going to work two more years , so health care is covered . But then what do we do when we're off ? But then wait a second . My kid's not doing so well . I want to be able to help them , but if I save , invest too well , I know my other kid is not going to work hard .

I don't want to create an issue with we have too much money . That's where an advisor is adding significant value , when there are assets that they can manage and assist and ultimately give you total peace of mind .

That my parents did not have , but also knowing , hey , it's happening in the correct manner , where this is an advisor that does holistic planning , where this is an advisor that does holistic planning .

So I tell everyone , when you're considering to hire an advisor , or listening to a podcast , you want to at least understand what's the story behind this guy that I'm listening to , because I listened to a history podcast that I love and the person who runs this show he loves history more than anyone I've ever met , and so sometimes I listen to a topic that , to

be honest , I don't find that interesting . Now it sounds odd , but like he did a Genghis Khan episode and I just didn't love it . There's other episodes I really loved . I'm sure you guys feel the same way about this show and when I listened to it , he was so excited talking about Genghis Khan that I went oh , now I'm kind of interested .

So I hope that your takeaway when I'm doing my podcast is that you're like well , this guy loves this stuff , because I do , and I promise you there is not an advisor that will care more about your money than the advisors working here , because what we're doing is not traditional in the advisor world .

When you're hearing me discuss planning , it's because if I could have a 30-minute conversation with you , I might be able to save you hundreds of thousands of dollars , and that is not something I take lightly .

So I do try to keep it lighthearted and try to make jokes and some of them are silly and some of the comments that you guys leave and I'm very transparent , as you guys know , I'm looking at right now on my phone one of the comments . This was a few weeks ago . Anyone who's considering early retirement , it's a must listen .

Ari creates great content for his audience , so thank you . But here's another comment . You've good content , but you need to be concise . You need to be to the point . You're repetitive . You're very wordy . You just talk nonstop about conversations with your clients . Would you just get your main message across ? I'm listening here to try to get an answer .

So you can see there are various people listening to the show . Some of you go it's too wordy , you just want the answer . Well , that's just not my style and it's not that I couldn't say you want to know exactly how much your income needs to be to contribute to a Roth ? I'll tell you that answer .

But it's almost like people are asking too often hey , I want to do surgery ? Should I go in through the back or the hip , or what should I do ? I'm like , hey , I don't know if you need surgery yet let's see if we could first determine is there a non-invasive or less invasive way of doing this .

So yeah , sometimes I will be wordy and sometimes I will do a story because I want it to hit different in your brain . Sometimes I'll say hey guys , this is about to be a technical episode . Here's why I want this to be explained in a certain way . And let me know , did this resonate ? Do you see why I wanted to do it this way ?

I'm a huge podcast listener . I listen to comedy podcasts and history podcasts , and so I know what it's like listening to a podcast , when someone does not get to the point , when someone does too much fluff .

So , ultimately , the vision for this podcast moving forward , I'll probably have on more guests in the future because I want you to hear from them , but the feedback hasn't been like hey , I need you to have all guests , you're talking too much .

Generally , the feedback I've gotten from you so far is I like when you do your stories , because it resonates and sometimes they don't always apply to me , meaning I'm not here with $4 million , but I will one day , and it's helpful to know how that person would think through that situation .

So in the future , I'm going to have a community where I want all of you to be able to correspond with each other and say , hey , I retired early . Here's why I chose Cobra for my health insurance needs . Or I retired early , but I'm going to go back to work in five years . I'm just super stressed right now . Here's how I'm approaching this .

I think there's a next level to this , but in the meantime , I'm going to keep putting out podcasts . I do one a week on this app . So if you're listening via the podcast app , that is exactly what I'm going to keep doing . I do three YouTube videos a week , so I do different case studies . I have my early retirement academy .

This is where I would recommend most of you start . So if you have an advisor , this is something you can go in and start playing around with . If you're like look , I'm going to need some point guidance , but I don't know if I need to hire you guys yet or I just don't .

It some point guidance , but I don't know if I need to hire you guys yet or I just don't . It's a matter of timing . That Academy there's now over a thousand of you in that Academy , but this podcast it's doing over 60,000 downloads a month . So I'm so grateful . But I also know that's a lot of you who have not enrolled in the Academy yet .

That is what I would love all of you to do at a no brainer , because it's very affordable for a reason for 300 bucks you get to go in there and use the same software I use with my clients . You don't get to talk to me , there's not one-on-one guidance .

It's affordable so that you get to go in at your own pace , putting your own figures , play around with the different measures and go , wow , should I do Roth 401k ? Should I do traditional ? What makes sense for my situation ?

So the whole reason that I love doing this show and why I'll always do it is I'm very lucky to get to talk to a large audience very intentionally about a specific topic or a very different topic . But I want every week to be something different and my goal is that you take action .

Sometimes the action can be yep , my spouse and I are going to discuss if we have the same early retirement goals . I want to travel and I don't . Sometimes I'll say hey guys , your takeaway is not adding more money to your 401k beyond the employer match . Get the free money . You already have a ton in your 401k .

Let's get that brokerage account filled up so before you retire early , you can do a home remodel and that way , when you retire truly early and you stop working forever , you don't get unlucky and run the risk of retiring when markets go down .

You do a home remodel , you travel , there's healthcare and now two kids still have to go through college and there's a big risk there . Where markets go down , you're in a tough spot where you might be able to be okay , but you probably won't be spending what you want the rest of your life . I want to protect against all of that unluckiness that could occur .

So the whole point of all of this which I know I've already said is to bulletproof your retirement . You have worked too hard to not optimize this . I think I said at the beginning of this this is gonna be a shorter episode . I'm 30 minutes in now and that's just sometimes how this goes .

So I have my bullet points and notes of things I always wanna go over , but sometimes I just think something will resonate . So if you are a current client of Root and you love working with Root , you know I love hearing from you , and so shoot me a note If you're currently going . You know I think I want to hire root , but I don't know what else .

Should I be considering Tons of different podcasts and videos for that . If you're like I don't know if I need an advisor yet , but this academy sounds a little interesting , go ahead and check that out in the description . If you're like , hey , this is all great , but I just don't want to pay for anything . I'm here for free guidance . I like the podcast .

It's another one . I'm sure you listen to five others Great , I hope I'm one of those and that you enjoy listening to it . There are other podcasts I really like as well and I'm not like hey , it's mine or only my partners is , in my opinion , the best in the industry .

So if you have not checked out Ready for Retirement podcast , please check that out with James . If you're unfamiliar with , let me pull up his podcast name . But Retire Sooner , I like this . This is done by Wes Moss , and Wes Moss he does a good job with stories . He's an older gentleman , so not me . He has on guests on the show .

I like the approach that he takes . It's one that I resonate with , and there's a few others that are more technical that I listen to .

That you probably don't want to listen to , but if there's one blog I would encourage you to possibly listen to , I'd go to awealthofcommonsensecom I believe it's com , not org A wealth of I'm typing it in right now wealth of common . I have it bookmarked , so I forget . A wealth of commonsensecom . That's done by ben carlson , and this guy did a really good job .

They're one to two minute reads of just quick things about hey , what does the fed rate cut mean for the economy ? And , and so this is more technical . You do not need to listen to that blog . I like that . I know my advisors like that . So if you're like I want to nerd out about this stuff , great , that's an option .

I would never tell my parents to ever listen to anything like that . They'd be like this is just not what I'm looking for . So I want to make sure , no matter who you are , you're getting some level of guidance , hopefully something helpful , and hopefully you get to laugh a little bit along the way .

I had someone send me an email this week who said , ari , I'm spinning right now and I'm listening to your latest episode . I'm like spinning what the heck is this guy talking about ? What he meant was he's like on a spin bike and so it's fun to be like , wow , that's pretty cool .

Like here's a guy listening to me talk about optimizing health insurance while spinning and I'm like , hey , I do that with a lot of my podcasts . So thank you all . If you've felt any guidance from this , please leave a review on iTunes . Please give it five stars on Spotify .

If you have not checked out the YouTube channel , I post a ton more there , so feel free to look at that . And ultimately , I just want you to get the guidance you're looking for . So I appreciate any Google reviews , yelp reviews , if that's your thing . Anything giving you the confidence to retire early that's what this is all about .

So that is it for this Friday . Hope you guys have a great weekend and see you next time . Thank you for listening to another episode of the Early Retirement Show .

If you have a question that you want answered in a future episode , you can always go to my website early retirement podcastcom that's early retirement podcastcom and you can go ahead and submit a question that I'll look to answer in a future episode . Thank you all for listening .

Please do rate it , review it and share it with someone who you think would benefit from this information . If there's anyone out there that you know , I certainly appreciate it and I will see you all each week . Hey guys , it's me again . Please be smart about this . Nothing in this podcast should be construed as financial , tax or legal advice .

Consult with your tax preparer or financial advisor before taking any action . This podcast is for informational purposes only .