In this episode: money against mindset, fear setting, FI events, gap years, slow travel, and living intentionally. Everyones relationship with money is different, just as everyones path to FI looks different, but how do you unlearn behaviors that could be holding you back? This week we are joined by Amy Minkley to discuss how finding FI changed her life while abroad, as well as the the importance of unlearning and breaking free of internalized stress when it comes to money. A large part of the F...
Jun 05, 2023•54 min•Ep 440•Transcript available on Metacast In this episode: success after FI, finding purpose, owning your time, investing in health, and spiritual pursuits. While reaching your FI number and subsequently retiring is an amazing achievement in itself, what are you supposed to do with yourself after getting there? Well, figuring that out is also a big step you are going to have to take on your FI journey. This week, we are once again joined by Chris Terrell to discuss the ways you can fill your time after achieving FI, and how to identify ...
May 29, 2023•58 min•Ep 439•Transcript available on Metacast In this episode: the pain of paying, anchoring, relative value, sunk costs, response to stimulus, and opportunity cost. On this installment of the Book Club, we are joined by Clint Murphy and Ginger to discuss some of our favorite takeaways from Dan Ariely and Jeff Kreisler's "Dollars and Sense: How We Misthink Money and How to Spend Smarter," We often mention on this podcast the importance of actionable steps you must be willing to take while on the journey to FI, and this book is chalk-full of...
May 22, 2023•59 min•Ep 438•Transcript available on Metacast This week we are re-joined by friend of the podcast, Travis Hornsby, to discuss some critical updates and deadlines pertaining to student loan forgiveness. While the thought of paying off student loans can feel daunting, there may actually be some ways to mitigate the stress entirely! Though this episode may not pertain to your situation specifically, we believe it can act as a resource for some you may know, or others on this journey who are looking to potentially have their loans forgiven. Tra...
May 15, 2023•33 min•Ep 437•Transcript available on Metacast In this episode: getting comfortable investing, the vision boards, salary negotiations, and the skill of spending Whether it's wanting to pay off your debts or get yourself set up for your future, there are many motivations for wanting to begin the path towards FI. This week we are joined by listener and fan of the podcast Rakesh to discuss how his journey to FI has been over the last 3 years, and the lessons hes learned along the way. We often stress on the podcast the importance of bold moves ...
May 08, 2023•58 min•Ep 436•Transcript available on Metacast Oftentimes on our show, we talk to people on the FI journey with regular 9-5 jobs, and other times we talk to those who have achieved their FI goal and are able to retire from their careers. However, we rarely talk about money management and FI when it comes to those working in service industries, such as serving and bartending. This week we are joined by author Barbara Sloan to discuss taking control of your finances while in a variable income job, the importance of an emergency fund, and the a...
May 01, 2023•54 min•Ep 435•Transcript available on Metacast There can be points on the journey to FI where you feel that you may not be able to accomplish your goals, or even take advantage of some of the hacks we talk about on the show. But sometimes all it requires is for you not to limit yourself and just think outside the box. This week we are re-joined by friend of the podcast Ginger to discuss how the transtheoretical model of change can apply to those on the path to FI, as well as read your emails and answer some of your questionson this installme...
Apr 24, 2023•1 hr 4 min•Ep 434•Transcript available on Metacast In this episode: the power of outside, overcoming adversity, the value of streaks, building momentum, and van life. As weve discussed many times on our show, creating and maintaining habits are an important part of the FI journey. Not only does it require you to prioritize what you value, but it can lead to success in many areas of your life. However, while we talk about the success that habits can lead to, sometimes we overlook that starting a habit can be stressful or overwhelming. This week w...
Apr 17, 2023•49 min•Ep 433•Transcript available on Metacast In this episode: tackling the big issues, the everywhere effect, change and discomfort, and getting the most from what you have. On this Podcast in recent months, we have made a point to highlight the fact that FI isn't about deprivation. While we do think making a few cuts in some areas is a good thing, we believe in that idea because it acts as a means to an end, with the endpoint being living the most fulfilling life available to you. So how is it possible deprive ourselves in a manner that d...
Apr 10, 2023•53 min•Ep 432•Transcript available on Metacast In this episode: forming habits, fulfilling goals, routines, the importance of health, restriction without deprivation, and working on life. While beginning your FI journey means having goals and taking necessary steps to achieve them, it may seem like you have to approach your life with discipline and absolute structure when it comes to money matters. While setting yourself up for success on this journey does mean creating different habits in regards to spending or investing, these habits shoul...
Apr 03, 2023•1 hr 3 min•Ep 431•Transcript available on Metacast In this episode: early financial conversations, what you truly value, house hacking, and the psychology of FI. It can be scary to have to acknowledge the reality of your financial situation, especially if you feel you do not have the financial literacy to proceed with confidence. However, setbacks and failures can often be blessings in disguise. This week we are joined by The FI Couple to discuss the importance of perseverance and flexibility in the face of uncertainty, as well as the strength t...
Mar 27, 2023•53 min•Ep 430•Transcript available on Metacast In this episode: finding your why, creating space, deprivation, board games, lesson learning, and decision making. Whether youre years into your FI journey or just beginning, evaluating your finances and spending, you may feel like you have to make some cuts into your favorite hobbies in order to reach your goal quicker. However, deprivation and cutting out the things that bring enjoyment into your life should never be the only option. This week we are joined by friend of the podcast Chris Terel...
Mar 20, 2023•1 hr 24 min•Ep 429•Transcript available on Metacast In this episode: personal investments, 401k contributions, FI is for everyone, travel rewards, task management, and taxes. On what is considered a very personal journey, how do you handle changes that feel like setbacks? Whether its spending more when you feel you should be saving, or re-evaluating goals based on what needs immediate attention, do you feel equipped to handle it with confidence? This week we are having a weekly roundup, and are re-joined by Ginger to not only answer listeners que...
Mar 13, 2023•1 hr 14 min•Ep 428•Transcript available on Metacast In this episode: the "average" withdrawal, Karsten's strategy, Fritz's strategy, fixed withdrawal rates, the bucket strategy, and refilling. Preparing for retirement can look different for all on the journey to FI. All of our goals differ, but we are still in the mindset of positioning ourselves for the coming years. This week we are having a face-off between returning guests Karsten and Fritz, as they discuss their own receptive drawdown strategies, their advantages, and how you can best prepar...
Mar 06, 2023•1 hr 1 min•Ep 427•Transcript available on Metacast In this episode: the 2.5 million dollar inversion, looking at the incentives, interest rates, your biggest asset, and potshots. When you begin your FI journey, you may feel like you must follow a certain path or plan in order to achieve your desired outcome. However, the longer you are this journey the more you realize that it is a personal one that requires adaptability when so many factors can affect your bottom line. This week we are back with Scott Trench from BiggerPockets as he shares his ...
Feb 27, 2023•54 min•Ep 426•Transcript available on Metacast In this episode: the value of time, what are you optimizing for, bold moves, increasing your kid's odds for success, and balancing deprivation. Because we have put so many leaders, members, and experts in our community on the hot seat here at ChooseFI, we figured it was finally time we played fair and put Brad on the hot seat himself! With the assistance of Aaron Lee, a longtime listener, friend, and host of "The Next Generation Leader Podcast," we ask Brad all the burning questions related to h...
Feb 20, 2023•59 min•Ep 425•Transcript available on Metacast In this episode: budgeting, the power of FI, different funds, living in the present, and the power to make your choices. No matter your background or the hardships youve endured, you should never rule yourself out for success! Ruminating over your past mistakes can make you feel undeserving of the life you want, but those same mistakes can actually serve as motivation to propel you further on your journey! This week we are joined by returning guest Deanna to discuss how her FI journey has progre...
Feb 13, 2023•54 min•Ep 424•Transcript available on Metacast In this episode: what sparks goals, what are you optimizing you, valuing your time, and money prioritization. Sometimes on the journey to FI, we ask ourselves the following; do I really need to spend money on this? Do I really have the time and resources for that? These questions may be easy to dismiss by saying no in order to stay on track with your financial goals, but by dismissing them, you could be missing out on something that is beneficial to your personal journey! This week we are joined...
Feb 06, 2023•1 hr 17 min•Ep 423•Transcript available on Metacast In this episode: taking the unconventional path, the price of time, early entrepreneurship, talent stacking, and the pursuit of learning. At least once in most of our FI journeys, we have pondered what our life would look like if we started earlier. Maybe you have even wondered what value could've been gained if you had started in your teenage years. Well, for some context into the possibilities decision that could provide, we decided to have 17 year old listener Devin on the podcast to discuss ...
Jan 30, 2023•1 hr 11 min•Ep 422•Transcript available on Metacast In this episode: taxes, the secure act 2.0, the best news, roths, 529's, catch-up contributions, and the new options you have. On December 29th 2022, Joe Biden signed into law the Secure 2.0 Act. As this law may have ramifications on your retirement tax planning, to stay ahead of the curve we decided to have The FI Tax Guy Sean Mullaney back on the show to discuss what this law is and ways one may be able to approach and utilize it going forward with there retirement planning. While laws and reg...
Jan 23, 2023•44 min•Ep 421•Transcript available on Metacast In this episode: mindfulness, removing judgement, thoughts creating reality, envisioning, awareness, and the hot seat. Oftentimes on our show we like to remind listeners that achieving FI isnt an end all be all to ones problems, and that reaching financial independence doesnt automatically equate to happiness. An important part of the journey is the work you do inward along the way, and this week we are tackling what that can look like. This week we are joined by coach and host of Mindful Fire p...
Jan 16, 2023•1 hr 17 min•Ep 420•Transcript available on Metacast In this episode: bold moves, building bold moves, dreams, themes, uncomfortable awareness, and finding energy. For most people, a new year can signify new goals that we hope to accomplish. Regardless of where you are on the FI journey, the new year ushers in a time for change and welcomes the opportunity to learn and grow! In this episode we are re-joined by Dominick Quartuccio to discuss navigating new beginnings and designing your Bold Move as we enter the new year. Instead of having a new yea...
Jan 09, 2023•1 hr 3 min•Ep 419•Transcript available on Metacast In this episode: the federal reserve, interest rates, buying the hype, the problems with effortless earning, and narrative follows price. Its suffice to say this past year has been one of distinct changes from a financial perspective, with investment techniques and former practices no longer working the same as they did two years ago. However, there is much to be learned and a lot to be gained as we move forward into 2023. This week we are re-joined by a friend of the show Brian Feroldi to discu...
Jan 02, 2023•58 min•Ep 418•Transcript available on Metacast Happy Holidays! As the year's end approaches, it's only natural to look back and think of all that youve accomplished. Whether you just began your FI journey this year or are well on your way, recognizing the improvements youve made throughout the year is essential and worth celebrating! This episode is our 6th annual year-end wins episode, and we are re-joined by MK Williams to listen and read submissions from our listeners and celebrate the progress of our audience through different stages of ...
Dec 26, 2022•57 min•Ep 417•Transcript available on Metacast In this episode: using your resources to create change, your employer is your customer, identifying discrimination, and abundance mindsets. For some on the journey to FI, it may seem like you must at all cost continuously strive to meet your monetary goal as quickly as possible. However, staying in toxic and unfulfilling work environments to hold the course with your goal is not what this journey is about. This week we are re-joined by Diania Merriam to have an intimate conversation about leavin...
Dec 19, 2022•1 hr 9 min•Ep 416•Transcript available on Metacast In this episode: slowing down, stoicism, finding something to neglect on purpose, focusing on the present, flow states, and actionable steps. Throughout the history of this podcast we have had many guests discuss books that have offered great advice and education to them on the Journey to FI, and with the large selection to choose from we can't think of a better time to start working down the list! On todays episode we are joined by Josue and Ginger in our new series The Choose FI Book Club.This...
Dec 16, 2022•1 hr 7 min•Ep 415•Transcript available on Metacast In this episode: the value of a door, the hour FIRE method, tax breaks, focusing on income, and return on hassle. Many of our listeners have tuned in to hear our guests discuss the real estate market, mortgages, and taxes as it relates to obtaining property. However, many of us on the road to FI may not realize how scaling the properties you own can actually act as a mutual fund-like portfolio. On this weeks episode we are joined by our new in-house real estate expert, author, and podcaster, Ala...
Dec 12, 2022•1 hr 9 min•Ep 414•Transcript available on Metacast In this episode: success on paper, building the life you want, therapy, craving progression, and what leads to change. When beginning and well into your FI journey, it may seem like reaching and achieving your end goal of financial independence will somehow leave you feeling happier and more fulfilled. However, reaching this end goal doesnt automatically solve all your problems. On this weeks episode we are joined by founder of FindMoreBalance.com and host of "The Mental Wealth Show" Rich Jones ...
Dec 05, 2022•51 min•Ep 413•Transcript available on Metacast In this episode; global funds, it's not doctrine, index funds, VTSAX, what is in index funds, and the opposite of active investing. If you've been in the FI community for a while now, you've probably at one point have heard of index Funds. However, whether you are familiar with this concept of investing, have invested in index funds, or are unfamiliar entirely, you may not necessarily know the mechanics and specifics of what certain types of index funds can actually do for you on your FI journey...
Dec 02, 2022•59 min•Ep 412•Transcript available on Metacast In this episode: VTSAX funds, bonds, cap-weighted funds, finding your ballasts, staying the course, and the simple path to wealth. This week, we are getting back to the basics! While many of you who have been in the FI community for a while now have definitely heard of JL Collins, those who are new should absolutely be prepared to absorb the wealth of information he provides every time he decides to grace our podcast! Listen along as he and Brad review the basic information that can put you on t...
Nov 28, 2022•1 hr 8 min•Ep 411•Transcript available on Metacast 
