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ChooseFI

Business & Economics Podcasts

How would your life change if you reached Financial Independence and got to the point where working is optional? What actions can you take today to make that not just possible but probable. Jonathan & Brad explore the tactics that the FI community uses to reclaim decades of their lives. They discuss reducing expenses, crushing debt, tax optimization, building passive income streams through online businesses and real estate and how to travel the world for free. Every episode is packed with actionable tips and no topic is too big or small as long as it speeds up the process of reaching financial independence.

Location:

United States

Description:

How would your life change if you reached Financial Independence and got to the point where working is optional? What actions can you take today to make that not just possible but probable. Jonathan & Brad explore the tactics that the FI community uses to reclaim decades of their lives. They discuss reducing expenses, crushing debt, tax optimization, building passive income streams through online businesses and real estate and how to travel the world for free. Every episode is packed with actionable tips and no topic is too big or small as long as it speeds up the process of reaching financial independence.

Twitter:

@choosefi

Language:

English

Contact:

7575720035


Episodes
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The RRTTLLU Investing Framework | Jesse Cramer

5/20/2024
In this episode: RRTTLU, actual risk, actual return, balancing portfolios, understanding your timeline, taxes, and legal situations. This week we are joined by Jesse Cramer of the “Best Interest" blog and podcast to discuss “RRTTLLU”, an acronym that provides a framework and guide of some of the factors one should consider when they start investing. While investing on your own can seem complex with many factors to consider such as your risk tolerance, the potential tax liabilities, and returns; being realistic about what you want to get out of your investment and what timeline you are on will only ensure your success. Considering some of these factors before you start investing can help you to choose your investments smartly, and give you the confidence and self-assurance for when changes or uncertainties come and go! Jesse Cramer: Website:bestinterest.blogPodcast:The Best Interest Podcast Resources Mentioned In Today’s Episode: Join ChooseFI’s Facebook Group!Investor Policy Statement | ChooseFI Ep 189Bucket Your MoneyThe Safe Withdrawal Rate Series“Die With Zero: Getting All You Can from Your Money and Your Life” by Bill Perkins How to Access Your Retirement Accounts Before 59.5 | Sean Mullaney | ChooseFI Ep 475 Answering Your Questions on How to Access Money Before 59.5 | ChooseFI Ep 491RRTTLLU: That’s Not a Typo, InvestorsSubscribe to The FI Weekly! More Helpful Links and FI Resources: Top 10 Recommended Travel Rewards Credit CardsEmpower: Free Dashboard to Track Your FinancesCIT Bank Platinum Savings AccountM1 Finance: Commission-Free Investing, 1-click rebalancingCashFreely: Maximize Your Cash Back RewardsTravel Freely: Track all your rewards cards and pointsEmergency Binder: For Your Family’s Essential InfoStudent Loan Planner: Custom ConsultMint Mobile

Duration:00:50:48

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Answering Your Questions on How to Access Money Before 59.5 | Sean Mullaney

5/13/2024
In this episode: 72t, Roth 401k’s, Roth IRA’s, The Pro Rata Rule, PUQME, HSA’s, Retirement and Education, and Roth Conversions. In one of our faster update episodes ever, friend of the show Sean Mullaney re-joins Brad to follow up on the episode we published back in February, “How to Access Your Retirement Accounts Before 59.5,” as well answer some of the questions our community had around the subject. We in the FI community know that retiring is an option way sooner than we were originally led to believe, so listen along as Brad and Sean shed some light on ways you could potentially access your retirement savings before facing the edge of your golden years. Sean Mullaney: Website:fitaxguy.comWebsite:mullaneyfinancial.comTwitter:@SeanMoneyandTaxYouTube:@SeanMullaneyVideos Timestamps: Resources Mentioned In Today’s Episode: How to Access Your Retirement Accounts Before 59.5 | Sean Mullaney | ChooseFI Ep 475 Forget About Money Podcast Accessing Retirement Accounts Prior To Age 59.5 Do You Have a Hidden Roth IRA? Retirement topics: Exceptions to tax on early distributionsSubscribe to The FI Weekly! More Helpful Links and FI Resources: Top 10 Recommended Travel Rewards Credit CardsEmpower: Free Dashboard to Track Your FinancesCIT Bank Platinum Savings AccountM1 Finance: Commission-Free Investing, 1-click rebalancingCashFreely: Maximize Your Cash Back RewardsTravel Freely: Track all your rewards cards and pointsEmergency Binder: For Your Family’s Essential InfoStudent Loan Planner: Custom ConsultMint Mobile

Duration:01:08:11

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The Ultimate Random Show | Ginger

5/6/2024
In this episode: events, community, travel rewards, medidations, mini retirements, travel wins, and travel points. This week we are back with friend of the pod Ginger to discuss a mixed bag of topics, such as attending FI events, travel rewards and companion passes, as well as the idea of a “mini” retirements and what that can look like while on the path to FI. However, this episode isn't titled "The Ultimate Random Show" for nothing, as we branch off in quite a few different directions as we cover those topics. As opposed to having us try and describe it for you, it may be best to go ahead and hit play so you can see for yourself! Timestamps: Resources Mentioned In Today’s Episode: The DonegansAfford AnythingEconoME ConferenceInsight TimerMile High FICoach CarsonMr. Money Mustache & Car Free Living at Culdesac | MHFI 207 Forget About Money How to Access Your Retirement Accounts Before 59.5 | Sean Mullaney | ChooseFI Ep 475Mindy On MoneyRetire Often Best Tools for Booking Hotels with Points & Miles with Greg the Frequent MilerPoints YeahPoints.MeSeats.AeroSubscribe to The FI Weekly! More Helpful Links and FI Resources: Top 10 Recommended Travel Rewards Credit CardsEmpower: Free Dashboard to Track Your FinancesCIT Bank Platinum Savings AccountM1 Finance: Commission-Free Investing, 1-click rebalancingCashFreely: Maximize Your Cash Back RewardsTravel Freely: Track all your rewards cards and pointsEmergency Binder: For Your Family’s Essential InfoStudent Loan Planner: Custom ConsultMint Mobile

Duration:00:52:49

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Freedom Before FIRE | Trip of a Lifestyle

4/29/2024
In this episode: connecting points, the power of FU money, the early retirement era, and enjoying the journey. This week we are joined by returning guests, Steven and Lauren Keys from Trip of a Lifestyle, to update us on their FI journey and “early retirement era,” as well as discuss the importance of finding the courage and freedom to make radical lifestyle changes in the present. We all know that money can open up new opportunities in your life, whether it’s having the flexibility to leave your job for a better one or even relocating to a dream country, but most of us forget that these opportunities can be achieved sooner than you think! The journey to FI is about taking actionable steps to build and achieve the life you want, and you don’t have to wait until you’re fully retired to do it! While you’re starting to save and spend less, remember that you’re getting closer and closer to your goal, but even still that it’s not a poor decision to spend money on things that are important to you and can improve your life! Trip of a Lifestyle: Website: tripofalifestyle.comInstagram:@tripofalifestyleCrambetter: crambetter.com Timestamps: Resources Mentioned In Today’s Episode: Trip of a Lifestyle to All US National Parks | ChooseFI Ep 226 We Took a 3-Month Vacation and Came Home $26,000 Richer How We Saved $100k in 2 Years on Teacher Salaries We Vacationed Our Way to $1 Million by Age 33 (and You Can Too)Inside the Investment Portfolio of Early RetireesPay Yourself Last: Why You Don’t Need A BudgetSubscribe to The FI Weekly! More Helpful Links and FI Resources: Top 10 Recommended Travel Rewards Credit CardsEmpower: Free Dashboard to Track Your FinancesCIT Bank Platinum Savings AccountM1 Finance: Commission-Free Investing, 1-click rebalancingCashFreely: Maximize Your Cash Back RewardsTravel Freely: Track all your rewards cards and pointsEmergency Binder: For Your Family’s Essential InfoStudent Loan Planner: Custom ConsultMint Mobile

Duration:00:59:14

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488 | The Courage to Take Action | EconoMe LIVE with Doc G

4/22/2024
In this episode: courage from community, what to do next, overwhelm, finding community, and the evolution of FI. Live from the EconoMe Conference in Cincinati Ohio, Brad is joined by Jordan "Doc G" Grumet and a room full of passionate members of our community to discuss finding the courage to take action in your FI journey. While we understand money can be a north-star for many early in your venture towards FI, what happens once money is no longer the root of your goals? Where do you shift your focus to next? Well, sometimes finding answers to these questions is a little easier when you have help from some of your friends. Listen along as Jordan, Brad and our community speculate on their ideas for what their next steps are. Doc G: Website:earnandinvest.comPodcast:The Earn and Invest Podcast Timestamps: Resources Mentioned In Today’s Episode: Retire OftenFI Freedom RetreatMr Money MustacheCampFIFinCon "Die With Zero: Getting All You Can from Your Money and Your Life" by Bill PerkinsJosh OvermeyerEconoMeAlan DoneganFind Your Local ChooseFI Group Effective Giving for the FI Community | Rebecca Herbst & Jack Lewars | ChooseFI Ep 483Subscribe to The FI Weekly! More Helpful Links and FI Resources: Top 10 Recommended Travel Rewards Credit CardsEmpower: Free Dashboard to Track Your FinancesCIT Bank Platinum Savings AccountM1 Finance: Commission-Free Investing, 1-click rebalancingCashFreely: Maximize Your Cash Back RewardsTravel Freely: Track all your rewards cards and pointsEmergency Binder: For Your Family’s Essential InfoStudent Loan Planner: Custom ConsultMint Mobile

Duration:00:54:28

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487 | Military FI: Optimizing Your Financial Plan before Military Retirement | Daniel Kopp, CFP

4/15/2024
In this episode: survivor benefit plans, VA benefits, VSO's disability benefits, tax planning, healthcare, and blended retirement systems. This week we are joined by Daniel Kopp, founder of Wise Stewardship Financial Planning, to outline ways you can best prepare for military retirement. Together we cover pensions, navigating the Survivor Benefit Plan and additional benefits, healthcare and disability resources, as well as other financial decisions you can consider as you begin to transition out of the military. When dealing with any kind of retirement planning, taking actionable steps to prepare and get a plan in place for you and your family is essential. While everyone's circumstances may be different as they transition out of the military, there are many resources available and benefit programs you are entitled to before and after you leave duty! Daniel Kopp, CFP Website:wisestewardshipfp.comPodcastMilitary to Financial Planner Timestamps: Resources Mentioned In Today’s Episode: Blended RetirementVA education benefits for survivors and dependentsEverything About The Military’s Survivor Benefit PlanSBP Financial Analysis ToolsDaniel Kopp Estate Planning for Military Families | Military Money Manual Podcast Episode 83Accredited VSO Representatives Transition Planning from a Military Career on the Path to FI | ChooseFI Ep 296 “Military in Transition’s Guide to The Survivor Benefit Plan: Navigating the SBP” by Forrest Baumhover How VA Disability Compensation Affects Military Retirement Pay Income Tax and Rental Properties When You’re in the MilitaryMFAAChooseFI US MilitarySubscribe to The FI Weekly! More Helpful Links and FI Resources: Top 10 Recommended Travel Rewards Credit CardsEmpower: Free Dashboard to Track Your FinancesCIT Bank Platinum Savings AccountM1 Finance: Commission-Free Investing, 1-click rebalancingCashFreely: Maximize Your Cash Back RewardsTravel Freely: Track all your rewards cards and pointsEmergency Binder: For Your Family’s Essential InfoStudent Loan Planner: Custom ConsultMint Mobile

Duration:00:59:24

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486 | The Wealthy Educator | Chris Travers

4/8/2024
In this episode: public service accounts, side hustles, making FI possible, frugality, giving yourself freedom, and side hustles. This week we are joined by Chris Travers, a New York City public school teacher and FI community member, to discuss his journey from being a natural saver to becoming a savvy investor, talk advantages and disadvantages of some of the retirement accounts provided to teachers, as well as discuss some ways he has been able to grow his net worth in the last 10 years. Frugality is a term that often comes up while on the FI path, and finding a balance of saving and spending is crucial to reaching your financial goals. Remember that where you decide to save and spend and how you do so will evolve throughout your FI journey! While it can be hard to cut costs of the things you enjoy in the present, being willing to cut out what you don’t need can set you up for success in the future! Chris Travers: Book:“TL;DR: Financial Literacy for New York City Public School Teachers: Optimizing Financial Decisions Based On Your TRSNYC Benefits” by Christopher Tavers and Karl FischInstagram:@thewealthyeducator Timestamps: Resources Mentioned In Today’s Episode: Join ChooseFI’s Facebook Group! “The Millionaire Next Door: The Surprising Secrets of America’s Wealthy” by Thomas J. Stanley and William D. Danko “Rich Dad Poor Dad: What the Rich Teach Their Kids About Money That the Poor and Middle Class Do Not!” by Robert Kiyosaki “Smart Couples Finish Rich, Revised and Updated: 9 Steps to Creating a Rich Future for You and Your Partner” by David BachThe Unfair (FI) Advantage Of Teachers | 457b | ChooseFI Ep 13The Happy BodyMillennial Revolution Karl FischSubscribe to The FI Weekly! More Helpful Links and FI Resources: Top 10 Recommended Travel Rewards Credit CardsEmpower: Free Dashboard to Track Your FinancesCIT Bank Platinum Savings AccountM1 Finance: Commission-Free Investing, 1-click rebalancingCashFreely: Maximize Your Cash Back RewardsTravel Freely: Track all your rewards cards and pointsEmergency Binder: For Your Family’s Essential InfoStudent Loan Planner: Custom ConsultMint Mobile

Duration:00:40:34

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485 | Mailbag: Spending Down to Zero, High Fee 401k, Mini Retirements | Rachael Camp

4/1/2024
In this episode: spending down to zero, the ratcheting rule, the guardrails approach, high fee 401k's, and mini-retirements. This week we are diving back into the listener mailbag with Rachael Camp to address the pressing questions our community has! Whether it's curiosity towards the concept of dying with zero, determining whether it is a good time to take a mini-retirement, or working with high-fee 401k's, Brad and Rachael tackle it all! Listen along as YOU the community dictate the conversation with your hot button FI questions! Rachael Camp: Website:www.rachaelcampwealth.comTwitter: @camp_wealth Please 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. Timestamps: Resources Mentioned In Today’s Episode: “Die With Zero: Getting All You Can from Your Money and Your Life” by Bill Perkins “Thinking in Bets: Making Smarter Decisions When You Don’t Have All the Facts” by Annie Duke The Ratcheting Safe Withdrawal Rate – A More Dominant Version Of The 4% Rule? The guardrails approach is a flexible retirement withdrawal strategy: Here’s how it worksEarly Retirement NowThe Problem with the 4% Rule (and Why You Could Retire Even Sooner)The Roth IRA Conversion Ladder | A Case Study | ChooseFI Ep 17RRoth IRA Conversion Ladder Case Study | ChooseFI Ep 163RRetire Often Mini-Retirements to Accelerate Your Path to FI | Jillian Johnsrud | ChooseFI Ep 451Subscribe to The FI Weekly! More Helpful Links and FI Resources: Top 10 Recommended Travel Rewards Credit CardsEmpower: Free Dashboard to Track Your FinancesCIT Bank Platinum Savings AccountM1 Finance: Commission-Free Investing, 1-click rebalancingCashFreely: Maximize Your Cash Back RewardsTravel Freely: Track all your rewards cards and pointsEmergency Binder: For Your Family’s Essential InfoStudent Loan Planner: Custom ConsultMint Mobile

Duration:00:57:03

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484 | A Family Journey From Debt to Early Retirement in a Decade | Joel and Emily Allen

3/25/2024
In this episode: wants vs needs, side hustles, tax planning, college hacking, travel rewards, mindset, and living your values. This week we are joined by Joel and Emily Allen, a married couple with children based out of Iowa who truly embody what the FI movement is all about! Not only have they seized control of their life and finances, but have also managed to start a successful side hustle, provide incredible resources to the community around them, travel the world, and so much more! While the FI movement is about financially freeing yourself and your family, it is also important to remember why we want that freedom. Not stressing about money is just one piece of a fulfilling life, once you have that freedom, take advantage of it like the Allen’s have! Timestamps: Resources Mentioned In Today’s Episode: Dave RamseyTravel Rewards | ChooseFI Preparing for the Cost of College | Brian Eufinger | ChooseFI Ep 460The 10 Pillars Of FIModern States The $100K Glorified Sleepaway Camp | Millionaire Educator | ChooseFI Ep 386All the HacksSubscribe to The FI Weekly! More Helpful Links and FI Resources: Top 10 Recommended Travel Rewards Credit CardsEmpower: Free Dashboard to Track Your FinancesCIT Bank Platinum Savings AccountM1 Finance: Commission-Free Investing, 1-click rebalancingCashFreely: Maximize Your Cash Back RewardsTravel Freely: Track all your rewards cards and pointsEmergency Binder: For Your Family’s Essential InfoStudent Loan Planner: Custom ConsultMint Mobile

Duration:01:07:13

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483 | Effective Giving for the FI Community | Rebecca Herbst & Jack Lewars

3/18/2024
In this episode: building a giving framework, the giving pledge, compound impact, donor advised funds, and different ways to give. Is it better to give to charity in a lump sum versus incrementally? What are the tax implications of donating? What are the benefits of using donor advised funds? This week we answer these questions and more with the help of Rebecca Herbst and Jack Lewars as we discuss charitable donations and effective giving while on the FI journey. A large part of FI is taking actionable steps to improve your life, but this journey also opens up opportunities to improve the life of others. While navigating donations while on the path to FI can seem tricky because we are so focused on attaining our FI numbers, there are still many ways you can give back and make a difference. Creating the habit of effective giving can help you leave an impact on yourself and the world at large! There are many resources available that can help calculate what you can give while remaining on the FI track, as well as help you see how your donations are making a difference! Rebecca Herbst & Jack Lewars: Yield and Spread:yieldandspread.orgRebecca’s Coaching Program:Coaching for do-gooders1 For The World:1fortheworld.orgJack’s LinkedIn:Jack Lewars Timestamps: Resources Mentioned In Today’s Episode: Join Your Local ChooseFI Group“The Life You Can Save: How to do your part to end world poverty” by Peter SingerSchool of Hard Knocks “Practical Ethics” by Peter SingerGiveWell The Life You Can Save“Die With Zero: Getting All You Can from Your Money and Your Life” by Bill Perkins Yield & Spread’s DAF Series “Doing Good Better: How Effective Altruism Can Help You Help Others, Do Work that Matters, and Make Smarter Choices about Giving Back” by William MacAskillSubscribe to The FI Weekly! More Helpful Links and FI Resources: Top 10 Recommended Travel Rewards Credit CardsEmpower: Free Dashboard to Track Your FinancesCIT Bank Platinum Savings AccountM1 Finance: Commission-Free Investing, 1-click rebalancingCashFreely: Maximize Your Cash Back RewardsTravel Freely: Track all your rewards cards and pointsEmergency Binder: For Your Family’s Essential InfoStudent Loan Planner: Custom Consult

Duration:01:10:50

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482 | Update: Are Remote Tech Careers Still Relevant in 2024? | Bradley Rice

3/15/2024
In this episode: salesforce, lifestyle design, testimonials and verification, the hidden job market, and talentstacking. Once again joined by friend of the show Bradley Rice, the owner and creator of TalentStacker, to update us on the value of SalesForce and career pivoting in 2024. While on the FI journey, you are actively creating the life you want to live. For many that means transitioning out of their life-long careers and opting for ones that offer something different and more accustomed to the life you’re creating. Learning a new skill or starting a side hustle can be the first step to finding that new career, and finding a program that works for you should offer more than just a certification, but assist you in finding new opportunities and a community that supports you! Bradley Rice: Website:talentstacker.comFacebook:Salesforce for EveryoneSalesforce 5 Day Challenge: Take the FREE 5-Day ChallengePodcast: Salesforce for Everyone Timestamps: Resources Mentioned In Today’s Episode: The Hidden Job Market | ChooseFI Ep 379CampFIMaking The Case For Part Time With Bradley Rice | ChooseFI Ep 117TrailheadSubscribe to The FI Weekly! More Helpful Links and FI Resources: Top 10 Recommended Travel Rewards Credit CardsEmpower: Free Dashboard to Track Your FinancesCIT Bank Platinum Savings AccountM1 Finance: Commission-Free Investing, 1-click rebalancingCashFreely: Maximize Your Cash Back RewardsTravel Freely: Track all your rewards cards and pointsEmergency Binder: For Your Family’s Essential InfoStudent Loan Planner: Custom Consult

Duration:00:34:03

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481 | Mailbag: Long-Term Care, Aging Parents and their Finances | Danielle Miura

3/11/2024
In this episode: caregiving and FI, retirement planning, reverse mortgages, long-term care, and long-term care insurance. This week we are joined by Danielle Miura to discuss how her experience as a caregiver has impacted her FI mindset, as well as answer listener questions pertaining to planning for your own long-term care while on the path to FI. As you and your loved ones get older, it’s important to start considering what additional finances they may require. From long-term healthcare to assisted living, there are many factors that not only impact their life financially, but could impact you and your FI plans. While it may be uncomfortable to have conversations with loved ones about their finances and expenses, it is imperative to have these discussions early and create a plan that works for you and your family. Danielle Miura: Website:spark-fin.comLinkedIn:Danielle MiuraTwitter:@Daniellemiula Timestamps: Resources Mentioned In Today’s Episode: Subscribe to The FI Weekly! More Helpful Links and FI Resources: Top 10 Recommended Travel Rewards Credit CardsEmpower: Free Dashboard to Track Your FinancesCIT Bank Platinum Savings AccountM1 Finance: Commission-Free Investing, 1-click rebalancingCashFreely: Maximize Your Cash Back RewardsTravel Freely: Track all your rewards cards and pointsEmergency Binder: For Your Family’s Essential InfoStudent Loan Planner: Custom Consult

Duration:00:45:11

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480 | Update: Healthiest Year Ever | Dean Turner

3/8/2024
In this episode: optimized exercise, recovering, machine use, increasing your healthspan, and long-term thinking. This week we are joined by Brad’s friend and personal trainer, Dean Turner, to discuss the changing landscape of strength training, and how principles such as consistency and adherence coupled with rest and recovery can also be applied to both your fitness and FI journey. We often talk about how the path to FI is not just about working towards a monetary goal, but rather creating a better life for yourself. For some this can mean taking a personal account of your health, and taking actionable steps to improve it. Just as making financial changes requires consistency, making physical changes requires the same. While these changes don’t happen overnight, these actions continuously build off of one another and make you stronger! Dean Turner: Twitter:@DeanTTrainingWebsite:deanturnertraining.com Timestamps: Resources Mentioned In Today’s Episode: Your Bold Move for 2023 | Dominick Quartuccio | ChooseFI Ep 419The New Science of MuscleJames Clear, Atomic Habits — Simple Strategies for Building (and Breaking) Habits, Questions for Personal Mastery and Growth, Tactics for Writing and Launching a Mega-Bestseller, Finding Leverage, and More (#648)Subscribe to The FI Weekly! More Helpful Links and FI Resources: Top 10 Recommended Travel Rewards Credit CardsEmpower: Free Dashboard to Track Your FinancesCIT Bank Platinum Savings AccountM1 Finance: Commission-Free Investing, 1-click rebalancingCashFreely: Maximize Your Cash Back RewardsTravel Freely: Track all your rewards cards and pointsEmergency Binder: For Your Family’s Essential InfoStudent Loan Planner: Custom Consult

Duration:00:33:17

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479 | Are You on Track to FI? | FI Roundtable

3/4/2024
In this episode: FI in your 20s, the boring middle, compounding, fat FI, compounding, checkpoints, and building a life. This week we are joined by Doug and Carl from the Mile High FI podcast to talk about their respective FI journeys and answer a listener question about pursuing FI in your 20s; as well share some tips for enjoying the experience and navigating times in the journey that can feel a bit slow. While figuring out your FI goal requires you to do some work to figure out your FI number, that number and the steps you take to reach that goal are all unique to the individual. That being said, it can be tricky at times to know if you are on the right track when the journey to FI is different for everyone. Remember, although this journey is about reaching financial independence, it’s also about changing and creating the life you want and joining a community that will always inspire you when times feel slow. Mile High FI: Podcast:milehighfi.comNewsletter:Join the Mile High FI Club Timestamps: Resources Mentioned In Today’s Episode: The Cure for the Boring Middle | Fioneers | ChooseFI Ep 472Mr Money MustacheJL Collins"Die With Zero: Getting All You Can from Your Money and Your Life" by Bill PerkinsThe Spectrum of Financial Independence and Tools to Track Your Progress with Brad BarrettMini-Retirements to Accelerate Your Path to FI | Jillian Johnsrud | ChooseFI Ep 451The Stages and Checkpoints of FI | ChooseFI Ep 324Subscribe to The FI Weekly! More Helpful Links and FI Resources: Top 10 Recommended Travel Rewards Credit CardsEmpower: Free Dashboard to Track Your FinancesCIT Bank Platinum Savings AccountM1 Finance: Commission-Free Investing, 1-click rebalancingCashFreely: Maximize Your Cash Back RewardsTravel Freely: Track all your rewards cards and pointsEmergency Binder: For Your Family’s Essential InfoStudent Loan Planner: Custom Consult

Duration:00:59:07

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478 | 2024 Investing Update | Brian Feroldi

2/26/2024
In this episode: buy and hold, macroeconomics, interest rates, bond investing, when to sell, mindset, and thinking differently. This week we are joined once again by friend of the show Brian Feroldi to discuss the stock market and investing as we head into 2024. As most of you know by now, keeping your head down and staying the course is a pretty typical investing strategy in the FI community, but it is important to remember personal finance is personal. Depending on your situation, life may require you to mold that strategy into something else as your mindset and seasons of life change! Make sure your are not only optimizing your financial situation, but also your life in the process! Brian Feroldi: Website:stockinvesting.schoolWebsite:longtermmindset.coTwitter:@BrianFeroldiLinkedIn:Brian Feroldi Timestamps: Resources Mentioned In Today’s Episode: The Motley Fool"Rich Dad Poor Dad: What the Rich Teach Their Kids About Money That the Poor and Middle Class Do Not!" by Robert KiyosakiThe Role Of Bonds In A Portfolio with Frank Vasquez | ChooseFI Ep 194Risk Parity Radio"Die With Zero: Getting All You Can from Your Money and Your Life" by Bill PerkinsSubscribe to The FI Weekly! More Helpful Links and FI Resources: Top 10 Recommended Travel Rewards Credit CardsEmpower: Free Dashboard to Track Your FinancesCIT Bank Platinum Savings AccountM1 Finance: Commission-Free Investing, 1-click rebalancingCashFreely: Maximize Your Cash Back RewardsTravel Freely: Track all your rewards cards and pointsEmergency Binder: For Your Family’s Essential InfoStudent Loan Planner: Custom Consult

Duration:00:52:44

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477 | The Hot Seat: Community Edition

2/19/2024
In this episode: the wonderful ChooseFI community shares advice by taking the hot seat through listener voicemails. Ginger joins the podcast this week for a special “Hot Seat” episode to listen to some voicemails set in from our listeners, in which our community answered questions that we typically ask our guests when they take the Hot Seat! From discussing favorite books and podcasts, to learning some new tricks and takeaways that have helped you on your FI Journey, it’s incredible to hear the ways you are taking action and creating habits that are making your journey to FI meaningful and motivational! We often stress that living FI isn’t about chasing a number, but rather building up the life you want in the process of working towards your goals, and while there may be mistakes made, there are many learning opportunities and new perspectives of success that make this journey incredibly rewarding. Timestamps: Resources Mentioned In Today’s Episode: “Atomic Habits: An Easy & Proven Way to Build Good Habits & Break Bad Ones” by James ClearAtomic Habits | James Clear | ChooseFI Ep 157“Die With Zero: Getting All You Can from Your Money and Your Life” by Bill Perkins“Just Keep Buying: Proven ways to save money and build your wealth” by Nick MaggiulliBitWarden“The Nature Fix: Why Nature Makes us Happier, Healthier, and More Creative” by Florence WilliamsI Will Teach You To Be RichBook your custom student loan plan“Never Split the Difference: Negotiating As If Your Life Depended On It” by Chris Voss and Tahl Raz“Flow: The Psychology of Optimal Experience” by Mihaly CsikszentmihalyiRisk Parity Radio“Why We Sleep: Unlocking the Power of Sleep and Dreams” by Matt WalkerThe Matt Walker PodcastPeter AttiaGinger’s New SheetsMy First Million PodcastProf G ShowPivot PodcastTodoistDean Turner TrainingSend Us A VoicemailSubscribe to The FI Weekly! More Helpful Links and FI Resources: Top 10 Recommended Travel Rewards Credit CardsEmpower: Free Dashboard to Track Your FinancesCIT Bank Platinum Savings AccountM1 Finance: Commission-Free Investing, 1-click rebalancingCashFreely: Maximize Your Cash Back RewardsTravel Freely: Track all your rewards cards and pointsEmergency Binder: For Your Family’s Essential InfoStudent Loan Planner: Custom Consult

Duration:01:17:11

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476 | Love, Loss, and Money: The Shocking Financial Aftermath of a FI Spouse’s Death | Amy

2/12/2024
In this episode: what follows tragedy, the importance of wills and beneficiaries, intestate succession, and probate. This week we are joined by Amy to discuss her personal account and experience with estate planning in the event of an unexpected passing, and what this can look like when plans aren’t in place. While death can be an uncomfortable topic to think about, it’s important to take time to garner a plan in place so that your loved ones are both prepared and not overwhelmed in the event of your passing. A large part of FI is about taking actionable steps to make your life easier, and estate planning is no different. From designating beneficiaries and setting up wills, to utilizing password verification methods on your accounts, there are many actionable steps you can take in order to make the process of passing easier for your family and loved ones. Amy’s story is not meant to be a cautionary tale, but rather a reminder to not ignore or avoid a personal subject matter just because it’s uncomfortable. Timestamps: Resources Mentioned In Today’s Episode: The Shockingly Simple Math Behind Early RetirementIntestate SuccessionThe Family Emergency Binder | ChooseFI Ep. 125 (Promo Code "ChooseFI")Subscribe to The FI Weekly! More Helpful Links and FI Resources: Top 10 Recommended Travel Rewards Credit CardsEmpower: Free Dashboard to Track Your FinancesCIT Bank Platinum Savings AccountM1 Finance: Commission-Free Investing, 1-click rebalancingCashFreely: Maximize Your Cash Back RewardsTravel Freely: Track all your rewards cards and pointsEmergency Binder: For Your Family’s Essential InfoStudent Loan Planner: Custom Consult

Duration:01:07:44

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475 | How to Access Your Retirement Accounts Before 59.5 | Sean Mullaney

2/5/2024
In this episode: taxable accounts, the 72(T), inherited retirement accounts, 457B's, roth conversion ladders, and the rule of 55. This week we are joined by the “FI Tax Guy” Sean Mullaney to walk through examples and discuss some strategies you could use when accessing your retirement funds early. No matter where you are on your FI journey, there can come a time where retiring early becomes a feasible option, but there can be many stipulations and tax implications that come with withdrawing your funds before the age of retirement. Tune in as we discuss several different options you can pursue in order access your money without having to wait until the 59 and a half year old threshold. The discussion is intended to be for general educational purposes and is not tax, legal, or investment advice for any individual. Brad and the ChooseFI podcast do not endorse Sean Mullaney, Mullaney Financial & Tax, Inc. and their services. Sean Mullaney: Website:fitaxguy.comWebsite:Mullaney Financial and TaxTwitter:@SeanMoneyandTaxYouTube:@SeanMullaneyVideos FIRE in Vegas: a weekend of inspiration, education and fun in Sin City. Timestamps: Resources Mentioned In Today’s Episode: Mailbag: Inflation and FI, ACA Subsidies, Roth vs. Trad and More | Cody Garrett | ChooseFI Ep 471The Roth IRA Conversion Ladder | A Case Study | ChooseFI Ep 17RRoth IRA Conversion Ladder Case Study | ChooseFI Ep 163RRetire On 72(T) Payments72(t) Payments in Google SheetsSubscribe to The FI Weekly! More Helpful Links and FI Resources: Top 10 Recommended Travel Rewards Credit CardsEmpower: Free Dashboard to Track Your FinancesCIT Bank Platinum Savings AccountM1 Finance: Commission-Free Investing, 1-click rebalancingCashFreely: Maximize Your Cash Back RewardsTravel Freely: Track all your rewards cards and pointsEmergency Binder: For Your Family’s Essential InfoStudent Loan Planner: Custom Consult

Duration:00:58:24

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474 | Social Security Deep Dive | Denis Shapiro

1/29/2024
In this episode: social security, disability, calculating social security, claiming social security, and due diligence. This week we are joined by listener and owner of Financial Security Advocates Dennis Shapiro, to talk thru some of the insights and misconceptions surrounding Social Security Benefits, and what factors and resources you should consider while approaching retirement. The beauty of FI is that it opens up opportunities for you to retire early, but oftentimes we don’t consider how retiring early or even starting your own small business can impact your Social Security. While there is no true way of mastering the system to get the most benefit, there are many ways to prepare and plan in order to get the most out of your social security benefits! Remember, these benefits are not just safety nets when it comes time to retire, but can be an additional tool for investment that keeps you comfortable in your FI. Denis Shapiro: Website: fsadvocates.com Timestamps: Resources Mentioned In Today’s Episode: SSA.govSocial Security Fact SheetSubscribe to The FI Weekly! More Helpful Links and FI Resources: Top 10 Recommended Travel Rewards Credit CardsEmpower: Free Dashboard to Track Your FinancesCIT Bank Platinum Savings AccountM1 Finance: Commission-Free Investing, 1-click rebalancingCashFreely: Maximize Your Cash Back RewardsTravel Freely: Track all your rewards cards and pointsEmergency Binder: For Your Family’s Essential InfoStudent Loan Planner: Custom Consult

Duration:01:03:44

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473 | Are We There Yet? 'Retire Early' Case Study

1/22/2024
In this episode: calculating when you retire, tracking expenses, health insurance, the importance of planning, and health spanning. This week we are rejoined by Teresa as well as Fritz Gilbert of The Retirement Manifesto to walk us through a case study of how to approach retirement while on your FI journey. It’s a common question to ask when you can retire or when you can stop working? Luckily there are plans of action and resources available covered in today's episode that will leave you feeling better prepared to proceed with a plan for retirement, no matter what part of your FI journey you are on. While there are many factors to consider when planning for retirement, such as savings versus spending rate and repositioning your portfolio, all these factors are manageable when you have a good plan in place. Take the time now to feel confident for what life will be like leading up to and after you retire! The Retirement Manifesto: Website:theretirementmanifesto.comBook:"Keys to a Successful Retirement: Staying Happy, Active and Productive in Your Retired Years" by Fritz GilbertCase Study:From Food Stamps to FIRE: A Case Study on Retirement Planning Timestamps: Resources Mentioned In Today’s Episode: From Food Stamps to FI | Theresa | ChooseFI Ep 453New RetirementSSA ToolsOpen Social SecuritySSA.govHow To Determine When To Claim Social Security (Retirement Manifesto)The Retirement Manifesto Net Worth Template"Outlive: The Science and Art of Longevity" by Dr. Peter Attia with Bill GiffordWhat Happens When The Paycheck Stops? – Keys To A Successful Retirement With Fritz Gilbert (Part 1) | ChooseFI Ep 206Subscribe to The FI Weekly! More Helpful Links and FI Resources: Top 10 Recommended Travel Rewards Credit CardsEmpower: Free Dashboard to Track Your FinancesCIT Bank Platinum Savings AccountM1 Finance: Commission-Free Investing, 1-click rebalancingCashFreely: Maximize Your Cash Back RewardsTravel Freely: Track all your rewards cards and pointsEmergency Binder: For Your Family’s Essential InfoStudent Loan Planner: Custom Consult

Duration:00:50:15