Catching Up to FI

What if the real danger in retirement isn't running out of money, but spending so cautiously that you accidentally work too long, live too small, and die with a portfolio that never got a chance to do its job? In part two with Aubrey Williams, we go deeper into the "fog of FI" (that weird, anxious place where the spreadsheet says you're free, but your nervous system absolutely does not believe it). This episode covers: Why the 4% rule can make FI people overwork and underspend How future income streams like Social Security can move your FI date forward Why flexible spending is more realistic than flat, inflation-adjusted withdrawals How risk-based guardrails help you know when to cut or increase spending Why many FI people need more help increasing spending than reducing it How personal inflation can differ from CPI and affect retirement planning Why historical analysis may be more useful than Monte Carlo for some FI decisions How small amounts of income in retirement can meaningfully reduce portfolio pressure Why engineers and analytical types often need better data to trust they're "done" How Bill is using these ideas to finally get clearer about leaving work sooner . S U P P O R T    T H E    S H O W 📩 Sign up for our newsletter https://catchinguptofi.com/contact-us/#newsletter  🌐 Visit Catching Up to FI website  https://catchinguptofi.com 👥 Connect with us https://linktr.ee/cutfi ☕ Like what you hear on Catching Up to FI? Support the show at "Buy Me a Coffee"  https://www.buymeacoffee.com/catchinguptofi 🎙️We love hearing from you! Record a Voice Message with your feedback or question Record a Voice Message with your feedback or question https://catchinguptofi.com/contact-us/#voicemails   ===DEALS & DISCOUNTS FROM OUR TRUSTED PARTNERS=== STUDENT LOAN PLANNER Big changes with student loans in 2026. Get help from the experts at Student Loan Planner, all CFP®, CFA and CSLP® professionals. They charge a one-time fee for their thorough review. Our listeners receive $100 off a 1:1 consult using the link below. Flat fee is normally $595, but after your $100 off 'Catching Up to FI' discount, it's $495. 👉🏼 Be sure to use this link: studentloanplanner.com/catchingup    For a full list of current deals and discounts from our partners, sponsors and affiliates, click here: catchinguptofi.com/our-partners . RESOURCES MENTIONED ON THE SHOW Open Path Financial Aubrey's EconoMe Talk (2026): Coming soon! Income Lab FIREproof (Lauren Boland) Projection Lab  Open Source Guardrails Simulation (Roger Cost) . ⏰ Related Episodes Part 1: Why Your Brain is Hardwired to Keep You Working (and How to Fix It) | Aubrey Williams | 214 A Richer Retirement: The 4.7% Rule | Bill Bengen | 169 Sequence of Returns Risk: What Every Retiree Needs to Know | Karsten Jeske | 106    If you enjoyed this episode, please follow the show on your podcast player and leave us a rating and review. If you want to watch, be sure to subscribe to our YouTube Channel. This helps others find the show and keeps us creating great content for you! . 📌Disclaimer: Our content is for general education and information purposes only. We are not providing financial, legal, or tax advice. Always do your own research or consult a professional before making important decisions.

What if the biggest difference between someone who starts at 22 and someone who starts at 50 isn't intelligence or income, but simply the moment they finally decide, nobody's coming to save me? In this crossover episode, Bill joins Joel on "How to Money" to tell the brutally honest and surprisingly hopeful truth. He shares his story of becoming financially independent after a 20-year sleepwalk through lifestyle inflation, doctor money mistakes, and zero real financial plan. It's candid, practical, and exactly the kind of episode that makes you stop saying "I'm behind" and start asking "What's my next move?"   This episode covers: Bill's late-starter journey from paycheck-to-paycheck doctor to financially independent at 60 How "rich doctor syndrome" and lifestyle inflation can keep high earners broke Why debt, overspending, and delayed gratification derailed his early money life The wake-up call that came from burnout, a malpractice lawsuit, and turning 50 How downsizing, geo-arbitrage, and a higher savings rate changed everything Why savings rate matters more than most people realize for late starters How to think about debt payoff versus investing when you feel behind Why college funding, generational wealth, and retirement planning are all connected How Bill thinks about using a financial advisor after a long DIY phase Why financial independence is really about buying back time, autonomy, and health . === SUPPORT  THE  SHOW === 📩 Sign up for our newsletter 🌐 Visit Catching Up to FI website  🔗Connect with us ☕ Like what you hear on Catching Up to FI? Support the show at "Buy Me a Coffee"  🎙️We love hearing from you! Record a Voice Message with your feedback or question Record a Voice Message with your feedback or question . ===DEALS & DISCOUNTS FROM OUR TRUSTED PARTNERS=== 🆕Big changes with student loans in 2026. Get help from the experts at Student Loan Planner, all CFP®, CFA and CSLP® professionals. They charge a one-time fee for their thorough review. Our listeners receive $100 off a 1:1 consult using the link below. Flat fee is normally $595, but after your $100 off 'Catching Up to FI' discount, it's $495. 👉🏼 Be sure to use this link: studentloanplanner.com/catchingup    For a full list of current deals and discounts from our partners, sponsors and affiliates, click here: catchinguptofi.com/our-partners . RESOURCES MENTIONED ON THE SHOW How To Money  The White Coat Investor George Kinder  William Bernstein  . ⏰ Related Episodes Founder of 'Catching Up to FI' Just Hit Financial Independence, Now What? | Bill Yount | 196 Flashback to Episode 1: 'A Boat Named YOLO' | Bill Yount | 197 . If you enjoyed this episode, please follow the show on your podcast player and leave us a rating and review. If you want to watch, be sure to subscribe to our YouTube Channel. This helps others find the show and keeps us creating great content for you! . 📌Disclaimer: Our content is for general education and information purposes only. We are not providing financial, legal, or tax advice. Always do your own research or consult a professional before making important decisions.

What if the thing keeping you from Financial Independence (FI) isn't your income, your portfolio, or your math. It's probably the quiet belief that you still need "one more year" when you actually don't. Our guest on this episode is Aubrey Williams, a former particle physicist, radar-tech leader, debt-slayer, and now advice-only financial planner. In this conversation, he flips some of the FI community's favorite assumptions on their head. This is the first of a 2-part episode with Aubrey so be sure to follow the podcast to be notified of the second part of this fascinating conversation. This episode covers: How Aubrey rebuilt after divorce and $90,000 of debt Why savings rate is nonlinear and more powerful than most people realize How a higher savings rate can erase working years faster than expected Why our brains are wired for survival, not modern investing and retirement decisions How to build evidence that you can safely spend instead of just hoard Why living smaller can sometimes create more freedom and more joy How Aubrey reached FI in high-cost Santa Barbara without leaving California Why the FI community itself often knows more than the average advisor The difference between fee-based, fee-only, flat-fee, and hourly advice Why Aubrey believes many FI people are still working too long . === SUPPORT  THE  SHOW === 📩 Sign up for our newsletter 🌐 Visit Catching Up to FI website  🔗Connect with us ☕ Like what you hear on Catching Up to FI? Support the show at "Buy Me a Coffee"  🎙️We love hearing from you! Record a Voice Message with your feedback or question Record a Voice Message with your feedback or question . ===DEALS & DISCOUNTS FROM OUR TRUSTED PARTNERS=== STUDENT LOAN PLANNER Big changes with student loans in 2026. Get help from the experts at Student Loan Planner, all CFP®, CFA and CSLP® professionals. They charge a one-time fee for their thorough review. Our listeners receive $100 off a 1:1 consult using the link below. Flat fee is normally $595, but after your $100 off 'Catching Up to FI' discount, it's $495. 👉🏼 Be sure to use this link: studentloanplanner.com/catchingup    For a full list of current deals and discounts from our partners, sponsors and affiliates, click here: catchinguptofi.com/our-partners . RESOURCES MENTIONED ON THE SHOW Open Path Financial Aubrey's EconoMe Talk (2026): Coming soon! . ⏰ Related Episodes Founder of 'Catching Up to FI' Just Hit Financial Independence, Now What? | Bill Yount | 196 Enoughness: Your Life or Your Money | Vicki Robin | 95 . If you enjoyed this episode, please follow the show on your podcast player and leave us a rating and review. If you want to watch, be sure to subscribe to our YouTube Channel. This helps others find the show and keeps us creating great content for you! . 📌Disclaimer: Our content is for general education and information purposes only. We are not providing financial, legal, or tax advice. Always do your own research or consult a professional before making important decisions.

You've worked twice as hard to catch up on your path to financial independence, so why leave your legacy to chance? To help keep your FI plan from going up in smoke we sit down with estate planning and small business attorney, Allison Harrison. It's a fast, funny and slightly alarming deep dive into estate planning for normal people who assume they're "not rich enough" to need one. This episode covers: Why your FI plan is incomplete without basic estate planning  The real cost, delay, and public exposure that can come with probate Why many people think they need a trust when they actually don't  When a trust does make sense, especially for control and complex family situations  The simplest ways to avoid probate using beneficiaries and transfer-on-death designations  Why healthcare and financial powers of attorney matter just as much as a will Estate-planning blind spots for small-business owners and side hustlers The role of umbrella insurance, LLCs, and business agreements in protecting your assets Why digital accounts, passwords, and two-factor authentication are now part of estate planning What parents of newly minted 18-year-olds need to handle before college or adulthood begins . === SUPPORT  THE  SHOW === 📩 Sign up for our newsletter 🌐 Visit Catching Up to FI website  🔗Connect with us ☕ Like what you hear on Catching Up to FI? Support the show at "Buy Me a Coffee"  🎙️We love hearing from you! Record a Voice Message with your feedback or question Record a Voice Message with your feedback or question . ===DEALS & DISCOUNTS FROM OUR TRUSTED PARTNERS=== STUDENT LOAN PLANNER Big changes with student loans in 2026! Get help from the experts at Student Loan Planner, all CFP®, CFA and CSLP® professionals. They charge a one-time fee for their thorough review. Our listeners receive $100 off a 1:1 consult using the link below. Flat fee is normally $595, but after your $100 off 'Catching Up to FI' discount, it's $495. 👉🏼 Be sure to use this link: studentloanplanner.com/catchingup    For a full list of current deals and discounts from our partners, sponsors and affiliates, click here: catchinguptofi.com/our-partners . RESOURCES MENTIONED ON THE SHOW Allison's EconoMe Talk (2026) -Coming soon- ALH Law Group See Us Mob Podcast ALH Law Group Youtube Free Estate Planning Guides, Infographics and More (no email required) Safe Sendoff (Legal Planning for Young Adults)  . ⏰ Related Episodes Attorney Spilling all the Legal Tea on Estate Planning | Jenny Rozelle | 121 . If you enjoyed this episode, please follow the show on your podcast player and leave us a rating and review. If you want to watch, be sure to subscribe to our YouTube Channel. This helps others find the show and keeps us creating great content for you! . 📌Disclaimer: Our content is for general education and information purposes only. We are not providing financial, legal, or tax advice. Always do your own research or consult a professional before making important decisions.

What do you do when your accountant brain knows the numbers, your life blows up anyway, and the answer turns out to be halfway around the world in a weird little movement called FIRE? We head to New Zealand to talk with Bronwyn Candish, a chartered accountant, community builder, and one of the clearest Kiwi voices in financial independence movement. She talks to us about starting over after divorce, rebuilding from the middle, and discovering that "doing money right" has a lot less to do with credentials than with courage, alignment, and actually taking action. This episode covers: Growing up with scarcity in New Zealand and how that shaped Bronwyn's money mindset Why being an accountant did not automatically make her good with money Lifestyle creep, overbuying on housing, and drifting into paycheck-to-paycheck living Divorce as a financial wake-up call in her late 30s How Bronwyn found FIRE through a random article and went deep down the rabbit hole The role of KiwiSaver, housing, and DIY culture in the New Zealand version of FI  Why community and accountability matter so much on the journey How Bronwyn turned her accounting practice into a FIRE-adjacent coaching space The creation of Black Friday and the growth of the Kiwi FIRE community  What it looks like to be "mid-journey" and still deeply love the path . === SUPPORT  THE  SHOW === 📩 Sign up for our newsletter 🌐 Visit Catching Up to FI website  🔗Connect with us ☕ Like what you hear on Catching Up to FI? Support the show at "Buy Me a Coffee"  🎙️We love hearing from you! Record a Voice Message with your feedback or question Record a Voice Message with your feedback or question . ===DEALS & DISCOUNTS FROM OUR TRUSTED PARTNERS=== 🆕Big changes with student loans in 2026. Get help from the experts at Student Loan Planner, all CFP®, CFA and CSLP® professionals. They charge a one-time fee for their thorough review. Our listeners receive $100 off a 1:1 consult using the link below. Flat fee is normally $595, but after your $100 off 'Catching Up to FI' discount, it's $495. 👉🏼 Be sure to use this link: studentloanplanner.com/catchingup    For a full list of current deals and discounts from our partners, sponsors and affiliates, click here: catchinguptofi.com/our-partners . RESOURCES MENTIONED ON THE SHOW KiwiFI and Black FI Day website Sheppard & Ormsby PocketSmith Personal Finance Software . ⏰ Related Episodes Borderless FI: The Happy KiwiSaver | Ruth Henderson | 165 Borderless FI: Australian Paramedic Healing Her Own Trauma | Tasch Rogers | 143 Indiana Jones and an Extraordinary Life with the Donegans | Alan and Katie Donegan | 079 Borderless FI: Thunder Down Under | Late Starter Fire | 004 . If you enjoyed this episode, please follow the show on your podcast player and leave us a rating and review. If you want to watch, be sure to subscribe to our YouTube Channel. This helps others find the show and keeps us creating great content for you! . 📌Disclaimer: Our content is for general education and information purposes only. We are not providing financial, legal, or tax advice. Always do your own research or consult a professional before making important decisions.

What if the biggest shift in your FI journey isn't hitting the number—but finally realizing you need a life plan, a tax plan, and maybe even a fiduciary teammate to help you spend it? Bill steps into the guest chair with Morningstar's Christine Benz for a thoughtful, surprisingly candid conversation about going from financially illiterate "rich doctor syndrome" to fully conscious wealth stewardship. He walks through the entire arc. But this episode goes deeper than a standard "how I retired" story. This episode covers:  ➡️ Bill's path from paycheck-to-paycheck physician to financially independent late starter ➡️ How childhood money scripts and "rich doctor syndrome" shaped his early financial mistakes  ➡️ Why the Great Financial Crisis and burnout became a wake-up call ➡️ What changed when Bill moved from financial consumer to conscious wealth steward ➡️ Why accumulation can be DIY—but decumulation often gets more complex  ➡️ How Bill searched for a fiduciary, flat-fee, life-planning-oriented advisor ➡️ Why risk parity appealed to him for retirement and sequence-of-returns protection  ➡️ The role of a modern advisor as behavioral buffer, tax strategist, and cognitive-risk safeguard ➡️ Why FI gave Bill leverage to redesign work instead of just quit cold turkey  ➡️ How Bill is thinking about legacy, living giving, and helping the next generation now, not just later . === SUPPORT  THE  SHOW === 📩 Sign up for our newsletter 🌐 Visit Catching Up to FI website  🔗Connect with us ☕ Like what you hear on Catching Up to FI? Support the show at "Buy Me a Coffee"  🎙️We love hearing from you! Record a Voice Message with your feedback or question Record a Voice Message with your feedback or question . ===DEALS & DISCOUNTS FROM OUR TRUSTED PARTNERS=== 📈 Boldin (formerly NewRetirement): Retirement planning software that's like having a financial advisor at your fingertips. You can get started with the free version or choose the premium option (PlannerPlus) and get a 14-day free trial.   👉🏼 Be sure to use this link to get started:  Go.boldin.com/catchingup   Personal Finance Club: Use code CUTOFI to get $30 OFF any investing course   Nectarine: Advice-Only and Flat-Fee Hourly Fiduciary Financial Advisors (Catching Up to FI will be compensated by Nectarine if you use our affiliate link, which creates an incentive and conflict of interest. We are not current clients or employees of Nectarine.)   For a full list of current deals and discounts from our partners, sponsors and affiliates, click here: catchinguptofi.com/our-partners . RESOURCES MENTIONED ON THE SHOW The Long View podcast  The White Coat Investor George Kinder  William Bernstein  . ⏰ Related Episodes Founder of 'Catching Up to FI' Just Hit Financial Independence, Now What? | Bill Yount | 196 Flashback to Episode 1: 'A Boat Named YOLO' | Bill Yount | 197 Retirement Remix: Crafting Financial Futures with Purpose | Christine Benz | 117 . If you enjoyed this episode, please follow the show on your podcast player and leave us a rating and review. If you want to watch, be sure to subscribe to our YouTube Channel. This helps others find the show and keeps us creating great content for you! . 📌Disclaimer: Our content is for general education and information purposes only. We are not providing financial, legal, or tax advice. Always do your own research or consult a professional before making important decisions.

What happens when the two co-hosts stop being polite, start being honest, and publicly debate the money moves they still don't agree on? We throw open the doors on four of our favorite friction points: Simple index-fund investing versus "modest complexity"  Whether high school personal finance classes are actually helping  What to make of the new 530A Trump accounts  Taking Social Security at 62 versus waiting   The fun here is that neither of us is playing a character. Jackie comes in swinging for simplicity, practical execution, and "please stop overcomplicating this for normal people," while Bill makes the case for curiosity, customization, and not sleepwalking through important financial choices. Along the way, we swap real stories about helping kids with 401(k)s, seeing bad default investments in the wild, what personal finance education gets wrong, and why Social Security advice may be more nuanced than the "always wait until 70" crowd admits. It's a reminder that thoughtful disagreement can sharpen your own plan faster than blindly copying someone else's. . === SUPPORT  THE  SHOW === 📩 Sign up for our newsletter 🌐 Visit Catching Up to FI website  🔗Connect with us ☕ Like what you hear on Catching Up to FI? Support the show at "Buy Me a Coffee"  🎙️We love hearing from you! Record a Voice Message with your feedback or question Record a Voice Message with your feedback or question . ===DEALS & DISCOUNTS FROM OUR TRUSTED PARTNERS=== 📈 Boldin (formerly NewRetirement): Retirement planning software that's like having a financial advisor at your fingertips. You can get started with the free version or choose the premium option (PlannerPlus) and get a 14-day free trial.   👉🏼 Be sure to use this link to get started:  Go.boldin.com/catchingup   Personal Finance Club: Use code CUTOFI to get $30 OFF any investing course   Nectarine: Advice-Only and Flat-Fee Hourly Fiduciary Financial Advisors (Catching Up to FI will be compensated by Nectarine if you use our affiliate link, which creates an incentive and conflict of interest. We are not current clients or employees of Nectarine.)   For a full list of current deals and discounts from our partners, sponsors and affiliates, click here: catchinguptofi.com/our-partners . RESOURCES MENTIONED ON THE SHOW Check your social security estimates Mike Piper's Open Social Security Calculator  Next Gen Personal Finance Trump Accounts . ⏰ Related Episodes Is Your 401(k) a Mess? Do This Now (Step-by-Step Guide) | Bill & Jackie | 205 These New Rules Will Change The Way You Think About 529 Plans | Patricia Roberts | 193  Celebrating Financial Literacy Month with Next Gen Personal Finance | Tim Ranzetta | 072 Social Security Made Simple | Mike Piper | 054 . If you enjoyed this episode, please follow the show on your podcast player and leave us a rating and review. If you want to watch, be sure to subscribe to our YouTube Channel. This helps others find the show and keeps us creating great content for you! . 📌Disclaimer: Our content is for general education and information purposes only. We are not providing financial, legal, or tax advice. Always do your own research or consult a professional before making important decisions.

What if the real reason family wealth disappears by the third generation has almost nothing to do with investing, and everything to do with what parents fail to teach at home? We sit down with Dr. Julia Myers, founder of Generational Wisdom, for a conversation that goes way past trusts, spreadsheets, and "someday" estate plans. Julia shares the medical crisis that abruptly ended her pharmacy career, the mindset shift that followed, and why she now believes legacy is not what you leave to your kids, but what you leave IN them. Together we unpack the three silent killers of generational wealth: no skills, no goals, no expectations, and explore what it looks like to raise kids who understand money and values, before the world teaches them. If you've ever wondered how to build wealth without accidentally raising entitlement, or how to recover from your own money story before passing it on, this episode is a gold mine. This episode covers Why 70–90% of family wealth disappears by the third generation Julia's shift from pharmacist to generational wisdom coach after a life-changing health crisis The three biggest reasons generational wealth gets lost Why "wealth without wisdom is wasted" How to build a family constitution around values, not just money  The difference between leaving wealth to your kids versus leaving legacy in them How to talk to kids about money, giving, enough, and expectations Why late starters can still change their family's financial story Practical ways to make values visible in daily family life . === SUPPORT  THE  SHOW === 📩 Sign up for our newsletter 🌐 Visit Catching Up to FI website  🔗Connect with us ☕ Like what you hear on Catching Up to FI? Support the show at "Buy Me a Coffee"  🎙️We love hearing from you! Record a Voice Message with your feedback or question Record a Voice Message with your feedback or question . ===DEALS & DISCOUNTS FROM OUR TRUSTED PARTNERS=== 📈 Boldin (formerly NewRetirement): Retirement planning software that's like having a financial advisor at your fingertips. You can get started with the free version or choose the premium option (PlannerPlus) and get a 14-day free trial.   👉🏼 Be sure to use this link to get started:  Go.boldin.com/catchingup   Personal Finance Club: Use code CUTOFI to get $30 OFF any investing course   Nectarine: Advice-Only and Flat-Fee Hourly Fiduciary Financial Advisors (Catching Up to FI will be compensated by Nectarine if you use our affiliate link, which creates an incentive and conflict of interest. We are not current clients or employees of Nectarine.)   For a full list of current deals and discounts from our partners, sponsors and affiliates, click here: catchinguptofi.com/our-partners . RESOURCES MENTIONED ON THE SHOW Charity: Hope International 🌐 JuliaMyers.com  Julia's Youtube Say This, Not That (free guide) Free Audiobook "Wealthy and Well Known"   . ⏰ Related Episodes Enoughness: Your Life or Your Money | Vicki Robin | 95   Doña Quixote, Life Energy, and The Coming of Aging | Vicki Robin | 94 . If you enjoyed this episode, please follow the show on your podcast player and leave us a rating and review. If you want to watch, be sure to subscribe to our YouTube Channel. This helps others find the show and keeps us creating great content for you! . 📌Disclaimer: Our content is for general education and information purposes only. We are not providing financial, legal, or tax advice. Always do your own research or consult a professional before making important decisions.

APRIL IS FINANCIAL LITERACY MONTH! What do you get when two late starters hand the mic to two twenty-somethings and let the money questions fly? In this unusually fun follow-up to the University of Tennessee classroom visit, we bring Dr. Karen DeLong and two of her students, Emilie and Britton, onto the podcast to tackle the real questions young adults ask when money stops being theoretical and starts getting personal. Emilie – Majoring in Finance and International Business with a minor in Agricultural Business and will be pursuing a career in Wealth Management. Britton – Interning with Wells Fargo in their Investment Banking - Commercial Real Estate division and will be pursuing a career in that post grad. . This episode covers The real money questions college students are asking before graduation Why Roth IRAs are such a powerful early-start tool How to think about saving for retirement versus nearer-term goals What happens to your 401(k) when you switch jobs Why savings rate matters more than most young adults realize The balance between being responsible and being too frugal How parents, professors, and mentors shape money mindset Why financial literacy needs to be practical, not just theoretical What late starters can teach young adults before they make the same mistakes . === SUPPORT  THE  SHOW === 📩 Sign up for our newsletter 🌐 Visit Catching Up to FI website  🔗Connect with us ☕ Like what you hear on Catching Up to FI? Support the show at "Buy Me a Coffee"  🎙️We love hearing from you! Record a Voice Message with your feedback or question Record a Voice Message with your feedback or question . ===DEALS & DISCOUNTS FROM OUR TRUSTED PARTNERS=== 📈 Boldin (formerly NewRetirement): Retirement planning software that's like having a financial advisor at your fingertips. You can get started with the free version or choose the premium option (PlannerPlus) and get a 14-day free trial.   👉🏼 Be sure to use this link to get started:  Go.boldin.com/catchingup   Personal Finance Club: Use code CUTOFI to get $30 OFF any investing course   Nectarine: Advice-Only and Flat-Fee Hourly Fiduciary Financial Advisors (Catching Up to FI will be compensated by Nectarine if you use our affiliate link, which creates an incentive and conflict of interest. We are not current clients or employees of Nectarine.)   For a full list of current deals and discounts from our partners, sponsors and affiliates, click here: catchinguptofi.com/our-partners . RESOURCES MENTIONED ON THE SHOW   🌐 Dr. Karen DeLong  Farm Credit Mid-America 📘 If You Can: How Millennials Can Get Rich Slowly (Bill Bernstein) 📕 The Simple Path to Wealth- Updated 2025 (JL Collins) 📗 Your Money or Your Life (Vicki Robin & Joe Dominguez) 📙F.I.R.E. For Dummies (Jackie Cummings Koski)  📘Money Letters 2 My Daughter (Jackie Cummings Koski) . ⏰ Related Episodes I Have a PhD in Business but Never Had a Personal Finance Class | Dr. Karen DeLong | 206 Financial Literacy 101: Live Inside the Classroom at University of Tennessee | Bill & Jackie | 207 . If you enjoyed this episode, please follow the show on your podcast player and leave us a rating and review. If you want to watch, be sure to subscribe to our YouTube Channel. This helps others find the show and keeps us creating great content for you! . 📌Disclaimer: Our content is for general education and information purposes only. We are not providing financial, legal, or tax advice. Always do your own research or consult a professional before making important decisions.

APRIL IS FINANCIAL LITERACY MONTH! What happens when you hand a room full of almost-graduates a microphone, a few $2 bills, and permission to ask the money questions most adults still avoid? In this special on-the-road episode, we take you inside the financial literacy presentation at the University of Tennessee to share a few highlights of our recent talk. It's energetic, imperfect, and deeply encouraging. Financial literacy doesn't have to be stiff or scary. Sometimes it just looks like showing up, telling the truth about your mistakes, and helping the next person get a much earlier start than you did. This episode covers:  ➡️ Highlights from Bill and Jackie's live financial literacy presentation at UT Knoxville  ➡️ Why young adults need practical money education before entering the workforce ➡️ The difference between being rich and being wealthy ➡️ Why savings rate matters so much for financial independence  ➡️ How to think about 401(k)s, employer match, vesting, and job changes ➡️ Why index funds and simple investing often beat picking individual stocks ➡️ Jackie's $2 bill story and how tiny saving habits can shape a lifetime  ➡️ Bill's "rich doctor syndrome" story and the danger of lifestyle inflation ➡️ How listeners can adapt this presentation for their own school, church, or community . === SUPPORT  THE  SHOW === 📩 Sign up for our newsletter 🌐 Visit Catching Up to FI website  🔗Connect with us ☕ Like what you hear on Catching Up to FI? Support the show at "Buy Me a Coffee"  🎙️We love hearing from you! Record a Voice Message with your feedback or question Record a Voice Message with your feedback or question . ===DEALS & DISCOUNTS FROM OUR TRUSTED PARTNERS=== 📈 Boldin (formerly NewRetirement): Retirement planning software that's like having a financial advisor at your fingertips. You can get started with the free version or choose the premium option (PlannerPlus) and get a 14-day free trial.   👉🏼 Be sure to use this link to get started:  Go.boldin.com/catchingup   Personal Finance Club: Use code CUTOFI to get $30 OFF any investing course   Nectarine: Advice-Only and Flat-Fee Hourly Fiduciary Financial Advisors (Catching Up to FI will be compensated by Nectarine if you use our affiliate link, which creates an incentive and conflict of interest. We are not current clients or employees of Nectarine.)   For a full list of current deals and discounts from our partners, sponsors and affiliates, click here: catchinguptofi.com/our-partners . RESOURCES MENTIONED ON THE SHOW:    🌐 Dr. Karen DeLong  Farm Credit Mid-America BetterInvesting.org  📘 If You Can: How Millennials Can Get Rich Slowly (free digital download) 📄 Copy of Our Presentation Slides to UT Students    ⏰ Related Episodes  I Have a PhD in Business but Never Had a Personal Finance Class | Dr. Karen DeLong | 206 Questions from Students (coming in April) . If you enjoyed this episode, please follow the show on your podcast player and leave us a rating and review. If you want to watch, be sure to subscribe to our YouTube Channel. This helps others find the show and keeps us creating great content for you! . 📌Disclaimer: Our content is for general education and information purposes only. We are not providing financial, legal, or tax advice. Always do your own research or consult a professional before making important decisions.

APRIL IS FINANCIAL LITERACY MONTH! What if one passionate professor, one classroom, and a few brave money questions could change hundreds of financial lives before graduation? We head to Knoxville for a special Financial Literacy Month episode with Dr. Karen DeLong, the University of Tennessee professor quietly doing the work most schools still don't: making sure students leave campus with more than a degree. Karen shares how three advanced degrees somehow included zero personal-finance education and how that gap pushed her to build an annual money session for her students. Bill and Jackie reflect on what it was like to teach these soon-to-be graduates and how any late starter can become a powerful financial literacy advocate in their own little corner of the world.   This episode covers: ➡️ Why Dr. Karen DeLong started bringing personal finance into her classroom ➡️ How someone can earn multiple degrees and still never take a money class ➡️ Why college students are hungry for practical money conversations ➡️ The kinds of personal finance questions students are asking before graduation ➡️ How Bill and Jackie prepare for live financial literacy teaching sessions ➡️ Why financial literacy fits into almost any curriculum, not just finance classes ➡️ How Farm Credit Mid-America helped support this student enrichment work ➡️ Why late starters can still become mentors and financial literacy advocates ➡️ A preview of the student follow-up episode answering unanswered questions . === SUPPORT  THE  SHOW === 📩 Sign up for our newsletter 🌐 Visit Catching Up to FI website  🔗Connect with us ☕ Like what you hear on Catching Up to FI? Support the show at "Buy Me a Coffee"  🎙️We love hearing from you! Record a Voice Message with your feedback or question Record a Voice Message with your feedback or question . ===DEALS & DISCOUNTS FROM OUR TRUSTED PARTNERS=== 📈 Boldin (formerly NewRetirement): Retirement planning software that's like having a financial advisor at your fingertips. You can get started with the free version or choose the premium option (PlannerPlus) and get a 14-day free trial.   👉🏼 Be sure to use this link to get started:  Go.boldin.com/catchingup   Personal Finance Club: Use code CUTOFI to get $30 OFF any investing course   Nectarine: Advice-Only and Flat-Fee Hourly Fiduciary Financial Advisors (Catching Up to FI will be compensated by Nectarine if you use our affiliate link, which creates an incentive and conflict of interest. We are not current clients or employees of Nectarine.)   For a full list of current deals and discounts from our partners, sponsors and affiliates, click here: catchinguptofi.com/our-partners . RESOURCES MENTIONED ON THE SHOW   🌐 Dr. Karen DeLong  Farm Credit Mid-America . ⏰ Related Episodes Financial Literacy 101: Live Inside the Classroom at University of Tennessee | Bill & Jackie | 207 Questions from Students (coming in April)   If you enjoyed this episode, please follow the show on your podcast player and leave us a rating and review. If you want to watch, be sure to subscribe to our YouTube Channel. This helps others find the show and keeps us creating great content for you!   📌Disclaimer: Our content is for general education and information purposes only. We are not providing financial, legal, or tax advice. Always do your own research or consult a professional before making important decisions.

April is Financial Literacy Month and we're starting a little early! That's because we are so excited to launch a new project called "The Great 401(k) Cleanup." What if the easiest way to boost your retirement odds this year isn't reducing your spending or a side hustle, but cleaning up that messy, confusing 401(k) you've been ignoring? We are using Financial Literacy Month to launch a full-on 401(k) intervention with a step-by-step guide including: Access From Home  Contributions  Beneficiaries  Investments  Rate of Return  What's Next    401(k)s and similar workplace plans like the TSP, 403(b), and 457 have become the backbone of retirement for most Americans. Yet they are often confusing and complicated to the average employee. No wonder so many accounts get neglected and become messy over time. The good news is that 2026 can be the year you clean it all up. This friendly and straightforward guide was created independent of any employer or plan provider, and will help you get going. By the time you're done you'll better understand your 401(k) and feel more empowered to use it as a real tool to build wealth and support your money goals. This episode covers:  ➡️ How to clean up a messy 401(k) in less than an hour ➡️ Why year-to-date returns can mislead and longer time frames matter more  ➡️ How contribution rate and savings rate shape your retirement timeline ➡️ Employer match, vesting schedules, and why "free money" still confuses people ➡️ Target date funds and simple one- to three-fund strategies  ➡️ How to spot low-cost index funds inside an ugly 401(k) menu ➡️ What to do with old 401(k)s when you change jobs ➡️ How AI can help decode plan documents and confusing fund lists ➡️ Why forgotten 401(k)s now total a jaw-dropping $2.1 trillion   ====================   DOWNLOAD GUIDE & EDITABLE CHECKLIST 📄 Cleaning up your 401(k) in less than an hour (complete guide with references) 📄 Cleaning up your 401(k) in less than an hour- Editable Checklist (download first)   ====================   DEALS & DISCOUNTS FROM OUR TRUSTED PARTNERS   MONARCH MONEY The modern way to manage money! Monarch will change the way you organize your financial life. Track, budget, plan, and do more with your money – together. Get 50% off the first year using this link and entering code: CATCHINGUP50   For a full list of current deals and discounts from our partners, sponsors and affiliates, click here: catchinguptofi.com/our-partners      SUPPORT  THE  SHOW 📩 Sign up for our newsletter 🌐 Visit Catching Up to FI website  🔗Connect with us ☕ Like what you hear on Catching Up to FI? Support the show at "Buy Me a Coffee"  🎙️We love hearing from you! Record a Voice Message with your feedback or question Record a Voice Message with your feedback or question     If you enjoyed this episode, please follow the show on your podcast player and leave us a rating and review. If you want to watch, be sure to subscribe to our YouTube Channel. This helps others find the show and keeps us creating great content for you!   📌Disclaimer: Our content is for general education and information purposes only. We are not providing financial, legal, or tax advice. Always do your own research or consult a professional before making important decisions.

What if the best retirement advice didn't come from a spreadsheet—but from a real retiree saying, "I wish I'd done it sooner"? Jackie crosses over to "REAL Retirees: Uncut" for a refreshingly candid, walk through of what six years of early retirement have actually looked like. She also shares her top five reasons to retire early, from time freedom and better mental health to the surprising new opportunities that open up when your job no longer runs your calendar. And because this is still Catching Up to FI, she closes with a message straight to late starters: most people wake up later than they wanted, but that doesn't mean they're doomed. It means they need a new frame and a little grace. This episode covers:  ➡️ Jackie's real-life retirement story, six years in ➡️ Retiring at 49 after corporate life  ➡️ Building a nest egg using FIRE math and the 4% rule ➡️ Living off brokerage assets, Roth contributions, and a 72(t) strategy before 59½ ➡️ ACA health insurance subsidies and managing income in early retirement ➡️ Why Jackie kept her mortgage and doesn't regret it ➡️ Her top five reasons to retire early ➡️ The hidden superpowers late starters already have  ➡️ Why retirement success is really about freedom, health, and impact   ====================   DEALS & DISCOUNTS FROM OUR TRUSTED PARTNERS   MONARCH MONEY The modern way to manage money! Monarch will change the way you organize your financial life. Track, budget, plan, and do more with your money – together. Get 50% off the first year using this link and entering code: CATCHINGUP50   For a full list of current deals and discounts from our partners, sponsors and affiliates, click here: catchinguptofi.com/our-partners    SUPPORT  THE  SHOW 📩 Sign up for our newsletter 🌐 Visit Catching Up to FI website  🔗Connect with us ☕ Like what you hear on Catching Up to FI? Support the show at "Buy Me a Coffee"  🎙️We love hearing from you! Record a Voice Message with your feedback or question Record a Voice Message with your feedback or question     RESOURCES MENTIONED ON THE SHOW: (As an Amazon Associate, I earn from qualifying purchases.)  🌐REAL Retirees: Uncut http://www.youtube.com/@REALRetireesUncut 🌐Jackie's website FInomenalWoman.com 📕F.I.R.E. For Dummies   📘Money Letters 2 My Daughter  📈Jackie's Investment Club through BetterInvesting.org   ⏰ RELATED EPISODES From Poverty to Wealth and Early Retirement | Jackie Cummings Koski | 007   If you enjoyed this episode, please follow the show on your podcast player and leave us a rating and review. If you want to watch, be sure to subscribe to our YouTube Channel. This helps others find the show and keeps us creating great content for you!     📌Disclaimer: Our content is for general education and information purposes only. We are not providing financial, legal, or tax advice. Always do your own research or consult a professional before making important decisions.

What if you were already financially independent at 40… and didn't realize it until a random pension search and a couple of podcasts blew the whole thing open? This was Jaylynn's "Surprise FI" and he joins the show to take us blow by blow. He gives us look back to his childhood of money orders, loving parents, and "value over flash" shaped him. He shares how he went from thinking the stock market was gambling to maxing out a 401(k), building a brokerage account, and accidentally discovering he had already hit FI in his forties. But this isn't just a "run the numbers and quit" story. Jaylynn talks through Surprise FI, staying in a job he loved until COVID burnout changed the equation, retiring at 44, managing ACA subsidies, planning Roth conversions and a future 72(t). He's now using time freedom to become the dad his son would later call his "best friend." He leaves us with the reminder that progress beats perfection—especially for late starters.  This episode covers: How Jaylynn's parents taught him value, bills, and stretching money without calling it "financial literacy" Why he thought investing was gambling after watching Trading Places The coworker moment that made him realize he was already an investor through his 401(k) A rare private-company benefits setup: automatic 401(k) contributions, pension, and relocation packages How he discovered the FIRE movement by researching pension payout options "Surprise FI" at age 40 using the 4% rule and liquid assets only Why he kept working after hitting FI—and what changed in 2020 Retiring at 44 with a mortgage, a tax strategy, and 15 years of runway Using ACA subsidies, Roth conversions, and a future 72(t) to bridge the early-retirement years Why the real wealth turned out to be time with his kids, not just a portfolio balance   ====================   DEALS & DISCOUNTS FROM OUR TRUSTED PARTNERS   MONARCH MONEY The modern way to manage money! Monarch will change the way you organize your financial life. Track, budget, plan, and do more with your money – together. Get 50% off the first year using this link and entering code: CATCHINGUP50   For a full list of current deals and discounts from our partners, sponsors and affiliates, click here: catchinguptofi.com/our-partners      SUPPORT  THE  SHOW 📩 Sign up for our newsletter 🌐 Visit Catching Up to FI website  🔗Connect with us ☕ Like what you hear on Catching Up to FI? Support the show at "Buy Me a Coffee"  🎙️We love hearing from you! Record a Voice Message with your feedback or question Record a Voice Message with your feedback or question     RESOURCES MENTIONED ON THE SHOW:    ChooseFI   BiggerPockets Money  Jill On Money  The Retirement Answer Man      ⏰ Related Episodes 72(t) Expert Tells All: No More Secrets About Early Withdrawals (Part 1) | Bill Stecker | 131 Cashing in on 72(t): The Goldmine of Early Retirement Rules (Part2) | Bill Stecker | 133   If you enjoyed this episode, please follow the show on your podcast player and leave us a rating and review. If you want to watch, be sure to subscribe to our YouTube Channel. This helps others find the show and keeps us creating great content for you!   📌Disclaimer: Our content is for general education and information purposes only. We are not providing financial, legal, or tax advice. Always do your own research or consult a professional before making important decisions.

Today we're putting AI (Artificial Intelligence) to the test with AI money expert Jeffrey Trull. He's founder of the blog and newsletter, Money Meets AI where he shares tested prompts for your money. He joins us to sort the genuinely useful from the wildly overhyped when it comes to AI. We expand our conversation into prompts, privacy, hallucinations, portfolio questions, Google vs. ChatGPT, paid vs. free tools, and where AI can actually save real time for DIYers. Along the way, Bill wrestles with the tradeoff between efficiency and original thought, Jackie pushes the "AI as thought partner" framing, and Jeffrey stresses that it's great for lower-risk questions but terrible as your all-knowing financial planner.  This episode covers: Where AI is genuinely useful for DIY personal finance Why prompts matter, but perfection is overrated Using AI to review insurance, contracts, and 401(k) plan docs Google vs. ChatGPT vs. Claude for money questions Paid vs. free AI tools and when subscriptions are worth it AI "hallucinations" and how to fact-check outputs Privacy concerns when uploading financial documents Why AI should be a thought partner, not your financial planner Agentic AI, AI shopping assistants, and what may be coming next   ====================   DEALS & DISCOUNTS FROM OUR TRUSTED PARTNERS   MONARCH MONEY The modern way to manage money! Monarch will change the way you organize your financial life. Track, budget, plan, and do more with your money – together. Get 50% off the first year using this link and entering code: CATCHINGUP50   For a full list of current deals and discounts from our partners, sponsors and affiliates, click here: catchinguptofi.com/our-partners    SUPPORT  THE  SHOW 📩 Sign up for our newsletter 🌐 Visit Catching Up to FI website  🔗Connect with us ☕ Like what you hear on Catching Up to FI? Support the show at "Buy Me a Coffee"  🎙️We love hearing from you! Record a Voice Message with your feedback or question Record a Voice Message with your feedback or question     RESOURCES MENTIONED ON THE SHOW: (As an Amazon Associate, I earn from qualifying purchases.) 🌐 Money Meets AI Top 5 Prompts for the Money Math You've Been Avoiding    ⏰ Related Episodes Founder of 'Catching Up to FI' Just Hit Financial Independence, Now What? | Bill Yount | 196   If you enjoyed this episode, please follow the show on your podcast player and leave us a rating and review. If you want to watch, be sure to subscribe to our YouTube Channel. This helps others find the show and keeps us creating great content for you!   📌Disclaimer: Our content is for general education and information purposes only. We are not providing financial, legal, or tax advice. Always do your own research or consult a professional before making important decisions.

What if the guy who literally wrote the book on asset allocation told you your biggest risk isn't the market…it's the person in your bathroom mirror? Neurologist-turned-market-historian William (Bill) Bernstein joins us for a fascinating conversation about his unlikely path from photochemistry to medicine to becoming the quiet godfather of Boglehead-style investing. He shares what shaped his "simple but not easy" philosophy, why he thinks all of investing is "half math, half Shakespeare," and how a homemade website in the 1990s turned into "The Intelligent Asset Allocator" and a second career. This episode covers: ✅ How a frustrated young scientist became a neurologist, then a financial theorist and writer ✅ Early investing mistakes (Palladium futures, hot funds, overconfidence) and what finally clicked ✅ The five hurdles from If You Can and why history and psychology matter as much as math  ✅ What makes a true bubble: social buzz, career-changing speculators, hostility to skeptics, wild predictions ✅ Predictions vs forecasts, and how Bill "called" the dot-com bubble and GFC without betting the farm ✅ His current mix: modest small/value tilts, cash/T-bills for sanity, and a TIPS ladder for 30 years of expenses ✅ Why a TIPS ladder feels different from a TIPS fund and why most investors still won't use one ✅ The 30-years-working / 30-years-retired "toy model" and why it implies 20–25%+ savings rates ✅ Teaching kids about money via your own behavior, crappy college jobs, and tiny three-fund portfolios ✅ A sober view of FIRE as a way out of the cubicle and into meaningful work—not a 36-year-old beach fantasy ====================   DEALS & DISCOUNTS FROM OUR TRUSTED PARTNERS   MONARCH MONEY The modern way to manage money! Monarch will change the way you organize your financial life. Track, budget, plan, and do more with your money – together. Get 50% off the first year using this link and entering code: CATCHINGUP50   For a full list of current deals and discounts from our partners, sponsors and affiliates, click here: catchinguptofi.com/our-partners    SUPPORT  THE  SHOW 📩 Sign up for our newsletter 🌐 Visit Catching Up to FI website  🔗Connect with us ☕ Like what you hear on Catching Up to FI? Support the show at "Buy Me a Coffee"  🎙️We love hearing from you! Record a Voice Message with your feedback or question Record a Voice Message with your feedback or question     RESOURCES MENTIONED ON THE SHOW: (As an Amazon Associate, I earn from qualifying purchases.) 🌐 Efficient Frontier (Bernstein's website) 🌐 The John C. Bogle Center for Financial Literacy 📘If You Can: How Millennials Can Get Rich Slowly (free digital download) 📗 Your Money and Your Brain (Jason Zweig) https://a.co/d/07bgnfz1   ⏰ Related Episodes The $1,000 Gift From Jonathan Clements To 18-Year-Olds | Bill Bernstein & Christine Benz | 160     If you enjoyed this episode, please follow the show on your podcast player and leave us a rating and review. If you want to watch, be sure to subscribe to our YouTube Channel. This helps others find the show and keeps us creating great content for you!     📌Disclaimer: Our content is for general education and information purposes only. We are not providing financial, legal, or tax advice. Always do your own research or consult a professional before making important decisions.

What if your giving plan felt as intentional and optimized as your FI plan, and just as easy to automate? In walks Daffy, the new and modern donor-advised fund that is democratizing giving! Adam Nash, co-founder and CEO of Daffy, joins us today to explain how donor-advised funds (DAFs) went from stuffy tools for the ultra-wealthy to something you can open on your phone. Daffy is a fast-growing fintech platform and community for charitable giving, made for everyday people. Adam shares the pandemic-era "why now" behind Daffy, how traditional donor-advised funds quietly skim high AUM fees while setting eye-watering minimums, and walks through Daffy's flat-fee, app-first model.    This episode also covers:  ✅ What donor-advised funds are and why they've been hidden from most everyday givers  ✅ DAFs for tax optimization (bunching, appreciated stock, estate planning)  ✅ How to turn giving into a family and workplace culture (campaigns, matching, gift links)  ✅ Why Adam sees a DAF as a simple "charitable 401(k)" or mini family foundation without the lawyers, board meetings, or overhead, built to help you be more generous   ==========   DEALS & DISCOUNTS FROM OUR TRUSTED PARTNERS   MONARCH MONEY The modern way to manage money! Monarch will change the way you organize your financial life. Track, budget, plan, and do more with your money – together. Get 50% off the first year using this link and entering code: CATCHINGUP50   For a full list of current deals and discounts from our partners, sponsors and affiliates, click here: catchinguptofi.com/our-partners    SUPPORT  THE  SHOW 📩 Sign up for our newsletter 🌐 Visit Catching Up to FI website  🔗Connect with us ☕ Like what you hear on Catching Up to FI? Support the show at "Buy Me a Coffee"  🎙️We love hearing from you! Record a Voice Message with your feedback or question Record a Voice Message with your feedback or question     RESOURCES MENTIONED ON THE SHOW: (As an Amazon Associate, I earn from qualifying purchases.)   ➡️ Join Bill or Jackie on :Daffy and receive an extra $25 bonus for charity in your new account  🌐 :Daffy (The Donor-Advised Fund For You™) ▶️ :Daffy on YouTube  📄The One Big Beautiful Bill Act (OBBBA) is Telling Donors One Thing: Get a Donor-Advised Fund  Donor-Advised Fund fee comparison calculator   Stock vs. Cash Donation Calculator      If you enjoyed this episode, please follow the show on your podcast player and leave us a rating and review. If you want to watch, be sure to subscribe to our YouTube Channel. This helps others find the show and keeps us creating great content for you!     📌Disclaimer: Our content is for general education and information purposes only. We are not providing financial, legal, or tax advice. Always do your own research or consult a professional before making important decisions.

What happens when a "late-starter" ER doc finally hits FI at 60, then must figure out how to actually spend the money without blowing it—or hoarding it forever? Bill joins Mindy and Scott on the BiggerPockets Money podcast to walk through his full "caught up to FI" debrief. Here his decade-long sprint from single-digit savings to 40%, taking his money back from a private bank, and the 60th-birthday retirement-readiness check that came back with a 100% success rate. From there, they dig into his move from a simple three-fund portfolio to a risk-parity setup, why he hired a flat-fee planner after years as a DIY investor, and how he's using FI to buy back time and jump-start his kids' wealth with Roth IRAs, HSAs, and tax-savvy living gifts. This episode covers:  ➡️ Going from "rich but broke doctor" to FI in about 10 years ➡️ Boosting a savings rate from single digits to ~40% without feeling deprived ➡️ Shifting from a three-fund portfolio to a risk-parity decumulation strategy ➡️ Using flat-fee, advice-only planner instead of 1% AUM ➡️ Order of withdrawals: taxable, pre-tax, Roth, plus asset location ➡️ Modeling taxes, RMDs, and Social Security timing in real life ➡️ Building a "3-1-1" spending plan for needs, comfort, and luxury/giving ➡️ Helping adult kids fill Roth IRAs and HSAs as part of generational wealth ➡️ Weighing when to actually leave medicine once money is no longer the boss   ==============================   DEALS & DISCOUNTS FROM OUR TRUSTED PARTNERS   MONARCH MONEY The modern way to manage money! Monarch will change the way you organize your financial life. Track, budget, plan, and do more with your money – together. Get 50% off the first year using this link and entering code: CATCHINGUP50   For a full list of current deals and discounts from our partners, sponsors and affiliates, click here: catchinguptofi.com/our-partners    SUPPORT  THE  SHOW 📩 Sign up for our newsletter 🌐 Visit Catching Up to FI website  🔗Connect with us ☕ Like what you hear on Catching Up to FI? Support the show at "Buy Me a Coffee"  🎙️We love hearing from you! Record a Voice Message with your feedback or question Record a Voice Message with your feedback or question     RESOURCES MENTIONED ON THE SHOW: (As an Amazon Associate, I earn from qualifying purchases.) 🌐 BiggerPockets Money  BiggerPockets Money Youtube    ⏰ Related Episodes Founder of 'Catching Up to FI' Just Hit Financial Independence, Now What? | Bill Yount | 196  Flashback to Episode 1: 'A Boat Named YOLO' | Bill Yount | 197     If you enjoyed this episode, please follow the show on your podcast player and leave us a rating and review. If you want to watch, be sure to subscribe to our YouTube Channel. This helps others find the show and keeps us creating great content for you!     📌Disclaimer: Our content is for general education and information purposes only. We are not providing financial, legal, or tax advice. Always do your own research or consult a professional before making important decisions.

Don't be that person who becomes a hoarder in retirement! You know who you are and it's a big concern for those that are champs at saving but reluctant to spend. It almost seems like a good problem to have... but not really! Retirement planners Rachel Camp, CFP® and Jesse Cramer join the show for a tackle the topic and what's known as the "consumption gap"-- the mismatch between what retirees could safely spend and what they actually spend. They discuss how decades of frugality, and dopamine hits from watching net worth climb and similar types of thinking make it brutally hard to flip from saver to spender. In this episode we cover:  ✅ The 4% rule's real origin story (it was built to avoid failure, not to optimize joy) ✅ The very human tendency to over solve for the worst-case market and under solve for lost health, time, and relationships  ✅ Strategies Rachael and Jesse use with their clients to help them spend and not hoard their money in retirement ✅ Why talking through childhood money stories is often more powerful than another spreadsheet. ✅ Debunking the viral "retire later, die sooner" meme and zoom out to what actually affects longevity ✅ A challenge tailor-made for late starters: once the math says you've won, stop buy back your time, and don't die with the biggest net worth of your life. ====================   DEALS & DISCOUNTS FROM OUR TRUSTED PARTNERS   MONARCH MONEY The modern way to manage money! Monarch will change the way you organize your financial life. Track, budget, plan, and do more with your money – together. Get 50% off the first year using this link and entering code: CATCHINGUP50   For a full list of current deals and discounts from our partners, sponsors and affiliates, click here: catchinguptofi.com/our-partners    SUPPORT  THE  SHOW 📩 Sign up for our newsletter 🌐 Visit Catching Up to FI website  🔗Connect with us ☕ Like what you hear on Catching Up to FI? Support the show at "Buy Me a Coffee"  🎙️We love hearing from you! Record a Voice Message with your feedback or question Record a Voice Message with your feedback or question     RESOURCES MENTIONED ON THE SHOW: (As an Amazon Associate, I earn from qualifying purchases.)   🌐 Rachael Camp Wealth Rachael Camp Wealth Youtube 🌐 The Best Interest Blog (Jesse Cramer) Personal Finance For Long-Term Investors (Jesse Cramer's podcast) 📄Debunked: The Later You Retire, The Earlier You Die?!     ⏰ Related Episodes Smart Money Moves After 50 | Bill Yount | 142  Space Telescopes, Sunflowers, and Financial Gardening | Jesse Cramer | 105      If you enjoyed this episode, please follow the show on your podcast player and leave us a rating and review. If you want to watch, be sure to subscribe to our YouTube Channel. This helps others find the show and keeps us creating great content for you!     📌Disclaimer: Our content is for general education and information purposes only. We are not providing financial, legal, or tax advice. Always do your own research or consult a professional before making important decisions.

This episode is a little time-travel experiment with a flashback to the first episode (A Boat Named YOLO) that started it all. We're celebrating three years of 'Catching Up to FI' and Bill officially coming out as reaching Financial Independence (FI). He started late at 50 but now FI at 60! Be sure to go back and listen to this past Sunday's episode, where Jackie interviews Bill and he openly shares all the juicy details.   ➡️Founder of 'Catching Up to FI' Just Hit Financial Independence, Now What? | Bill Yount | 196    ====================   DEALS & DISCOUNTS FROM OUR TRUSTED PARTNERS:   MONARCH MONEY The modern way to manage money! Monarch will change the way you organize your financial life. Track, budget, plan, and do more with your money – together. Get 50% off the first year using this link and entering code: CATCHINGUP50   For a full list of current deals and discounts from our partners, sponsors and affiliates, click here: catchinguptofi.com/our-partners    SUPPORT  THE  SHOW 📩 Sign up for our newsletter 🌐 Visit Catching Up to FI website  🔗Connect with us ☕ Like what you hear on Catching Up to FI? Support the show at "Buy Me a Coffee"  🎙️We love hearing from you! Record a Voice Message with your feedback or question Record a Voice Message with your feedback or question     If you enjoyed this episode, please follow the show on your podcast player and leave us a rating and review. If you want to watch, be sure to subscribe to our YouTube Channel. This helps others find the show and keeps us creating great content for you!   📌Disclaimer: Our content is for general education and information purposes only. We are not providing financial, legal, or tax advice. Always do your own research or consult a professional before making important decisions.

Don't miss this special 3-year anniversary of 'Catching Up to FI' as Bill marks the moment by doing something he's been helping everyone else do for years: officially 'coming out' as financially independent (FI)! It is hard to believe that the show has been around for 3 years, 196 episodes, 20k Facebook Community members, 1.4M audio downloads and 300k views on YouTube. Is this real?   Today we celebrate Bill's journey from Episode #1: 'A Boat Named Yolo', to officially reaching FI, but feels more like the 'The Fog of FI'. During this interview, Jackie gets Bill to open up and vulnerably share details of his wake-up call at 50: burned out, sued, house-poor after a disastrous renovation and de-risking at the bottom of the Great Recession, and still living paycheck to paycheck despite a 'rich doctor' income. He walks through discovering FI via blogs and books, taking a full year to reclaim his money from private bankers and whole life policies (he's naming names!). Bill's real superpower was boosting his savings rate up to ~40% in his early 50s using Mr. Money Mustache's 'shockingly simple math' to accept a 10 to 15-year timeline.   Fast-forward to 60 and a retirement-readiness check with a flat-fee, advice-only planner: after three years of expense tracking in Monarch Money, a comprehensive plan, and stress-testing with risk-parity portfolios, Bill gets the verdict every late starter dreams of, 'you could retire tomorrow'— and feels weirdly flat. We also dig into the emotional side: the identity crisis of possibly leaving medicine, using newfound leverage to negotiate work on his own terms, the choice to glide out over several years instead of cliff-retiring, and the shift from building wealth to giving with warm hands, mentoring younger docs, and helping his adult sons lay foundations he never had.   We close with Bill's hard-earned advice:  ➡️ Reverse-engineer your life from your tombstone ➡️ Focus on health span as fiercely as net worth ➡️ Stop over-identifying with your job or your number ➡️ Remember that for late starters, the real win is feeling less alone while you build a life you won't regret.   ====================   DEALS & DISCOUNTS FROM OUR TRUSTED PARTNERS:   MONARCH MONEY The modern way to manage money! Monarch will change the way you organize your financial life. Track, budget, plan, and do more with your money – together. Get 50% off the first year using this link and entering code: CATCHINGUP50   For a full list of current deals and discounts from our partners, sponsors and affiliates, click here: catchinguptofi.com/our-partners    SUPPORT  THE  SHOW 📩 Sign up for our newsletter 🌐 Visit Catching Up to FI website  🔗Connect with us ☕ Like what you hear on Catching Up to FI? Support the show at "Buy Me a Coffee"  🎙️We love hearing from you! Record a Voice Message with your feedback or question Record a Voice Message with your feedback or question     RESOURCES MENTIONED ON THE SHOW: 📄 Bill's 'Letter of Gratitude' and 'Financial Life Policy Statement' Saving Our Retirement on Humble Dollar Bill's Financial Planner:  Bryan Minogue CFP®, CFA (Kardinal Financial)   ⏰ Related Episodes A Boat Named YOLO | Bill Yount | 001 The Power of Cash Flow Planning | Sarah-Catherine Gutierrez | 016 The Father of Financial Life Planning (Part 1) | George Kinder | 140   If you enjoyed this episode, please follow the show on your podcast player and leave us a rating and review. If you want to watch, be sure to subscribe to our YouTube Channel. This helps others find the show and keeps us creating great content for you!     📌Disclaimer: Our content is for general education and information purposes only. We are not providing financial, legal, or tax advice. Always do your own research or consult a professional before making important decisions.

Do you want to own your time, work less, and live more? What if the point isn't maxing out every account forever, but designing a week you don't want to escape from? This is the Coast FI life built by our guest today, Andy Hill. He shares the steps you can take to put your family first and escape the 9-5 grind: for good! He takes us through the full arc: starting married life at –$50K net worth, killing the debt in a year with budget parties, saving 40–50% to hit around $500K in investments by forty, then realizing that number was enough for Coast FI. With all that, he realized that what he really wanted was time.    Andy is an award-winning blogger, podcaster, and family finance coach behind Marriage, Kids, and Money. He's also author of the new book 'Own Your Time: 10 Financial Steps to Put Your Family First and Escape the Corporate Grind', which walks readers through simple, yet highly effective steps families can take to achieve family financial independence. It also features real-life examples of couples who've conquered these family financial independence milestones and found better lives for themselves because of it. ====================   DEALS & DISCOUNTS FROM OUR TRUSTED PARTNERS:   MONARCH MONEY The modern way to manage money! Monarch will change the way you organize your financial life. Track, budget, plan, and do more with your money – together. Get 50% off the first year using this link and entering code: CATCHINGUP50   For a full list of current deals and discounts from our partners, sponsors and affiliates, click here: catchinguptofi.com/our-partners    SUPPORT  THE  SHOW 📩 Sign up for our newsletter 🌐 Visit Catching Up to FI website  🔗Connect with us ☕ Like what you hear on Catching Up to FI? Support the show at "Buy Me a Coffee"  🎙️We love hearing from you! Record a Voice Message with your feedback or question Record a Voice Message with your feedback or question     RESOURCES MENTIONED ON THE SHOW: (As an Amazon Associate, I earn from qualifying purchases.) 🌐 Marriage Kids and Money 📕 Own Your Time: 10 Financial Steps to Put Your Family First and Escape the Corporate Grind   ⏰ Related Episodes Generosity and Smart Spending: A Family Affair | Andy Hill | 103   If you enjoyed this episode, please follow the show on your podcast player and leave us a rating and review. If you want to watch, be sure to subscribe to our YouTube Channel. This helps others find the show and keeps us creating great content for you!     📌Disclaimer: Our content is for general education and information purposes only. We are not providing financial, legal, or tax advice. Always do your own research or consult a professional before making important decisions.

Strap in, because Jackie joins Brad Barrett for a crossover episode on the ChooseFI podcast, home of the world's largest FI community! Together, they rewind all the way back to 2017, when Jackie first stumbled onto ChooseFI… and everything changed. She recounts her journey to reaching early retirement by December 2019, and using that freedom to go back to school, get her CFP, and write 'F.I.R.E. for Dummies'. Then the two of them dive deep into the fundamentals and break down what financial independence really means. They explain why even ten dollars a month can spark a lifelong investing habit, and how Jackie's first investment club taught her the power of community and compounding. They decode 401(k)s, demystify fund selection, and spotlight the quiet villain of investing: expense ratios.   The episode widens from there: debt payoff strategies, designing a modest but deeply rich life on $40–45K a year in Ohio, negotiating everything from internet bills to insurance premiums, and the emotional transformation from paycheck-to-paycheck lifestyle to feeling 'directionally correct.' They conclude with the realization that FI isn't just about money, it's about options. Whether you're a late starter, brand new or ten years into the journey; returning to the basics is how you stay grounded, stay motivated, and stay on course.   ====================   DEALS & DISCOUNTS FROM OUR TRUSTED PARTNERS:   MONARCH MONEY The modern way to manage money! Monarch will change the way you organize your financial life. Track, budget, plan, and do more with your money – together. Get 50% off the first year using this link and entering code: CATCHINGUP50   For a full list of current deals and discounts from our partners, sponsors and affiliates, click here: catchinguptofi.com/our-partners    SUPPORT  THE  SHOW 📩 Sign up for our newsletter 🌐 Visit Catching Up to FI website  🔗Connect with us ☕ Like what you hear on Catching Up to FI? Support the show at "Buy Me a Coffee"  🎙️We love hearing from you! Record a Voice Message with your feedback or question Record a Voice Message with your feedback or question     RESOURCES MENTIONED ON THE SHOW: (As an Amazon Associate, I earn from qualifying purchases.) 🌐ChooseFI  🌐Jackie's website FInomenalWoman.com 📕F.I.R.E. For Dummies   📘Money Letters 2 My Daughter   📈Jackie's Investment Club through BetterInvesting.org   ⏰ Related Episodes The Godfather of FI Talks Fatherhood | JL Collins | 149 Stories, Hacks, & Tribes | Brad Barrett | 021 From Poverty to Wealth and Early Retirement | Jackie Cummings Koski | 007     If you enjoyed this episode, please follow the show on your podcast player and leave us a rating and review. If you want to watch, be sure to subscribe to our YouTube Channel. This helps others find the show and keeps us creating great content for you!     📌Disclaimer: Our content is for general education and information purposes only. We are not providing financial, legal, or tax advice. Always do your own research or consult a professional before making important decisions.  

529 plan expert Patricia Roberts blows up the myth that 'it's too late' and '529s are just for rich people with toddlers and Ivy League dreams'. She is author of the book 'Route 529' and shares some big changes with 529 plans that make them an incredibly flexible savings vehicle for more than just college. In this episode we cover: How state tax deductions, credits and 'parity states' work for contributions The shockingly long list of qualified uses including trade schools, apprenticeships, non-degree credentials, K–12 tuition, tutoring, test prep and even student loan repayment  Busting the 'use it or lose it' fear and the new option to rollover left over funds to a Roth IRA How to juggle retirement vs. college savings Advanced strategies to create generational education wealth     DEALS & DISCOUNTS FROM OUR TRUSTED PARTNERS:   MONARCH MONEY The modern way to manage money! Monarch will change the way you organize your financial life. Track, budget, plan, and do more with your money – together. Get 50% off the first year using this link and entering code: CATCHINGUP50   For a full list of current deals and discounts from our partners, sponsors and affiliates, click here: catchinguptofi.com/our-partners    SUPPORT  THE  SHOW 📩 Sign up for our newsletter 🌐 Visit Catching Up to FI website  🔗Connect with us ☕ Like what you hear on Catching Up to FI? Support the show at "Buy Me a Coffee"  🎙️We love hearing from you! Record a Voice Message with your feedback or question Record a Voice Message with your feedback or question     RESOURCES MENTIONED ON THE SHOW: (As an Amazon Associate, I earn from qualifying purchases.) 🌐 Gift of College College Countdown 📕 Route 529: A Parent's Guide to Saving for College and Career Training with 529 Plans Morningstar 529 Ratings: The Best Plans of 2025 What You Can Pay for With a 529 Plan   ⏰ Related Episodes The College Discount Game You Need To Know Before Choosing A School | Ron Lieber | 191 Stop Paying for College and Use These High-Return Scholarship Hacks Instead | Chris Corinthian | 189 Banishing The Burden of Student Loan Debt | Travis Hornsby | 122      If you enjoyed this episode, please follow the show on your podcast player and leave us a rating and review. If you want to watch, be sure to subscribe to our YouTube Channel. This helps others find the show and keeps us creating great content for you!     📌Disclaimer: Our content is for general education and information purposes only. We are not providing financial, legal, or tax advice. Always do your own research or consult a professional before making important decisions.

Dan Haylett gives us a late-starter masterclass on why retirement is a human problem long before it's a math problem. Dan is a UK financial planner, creator of 'Humans vs Retirement' podcast, and author of 'The Retirement You Didn't See Coming'.  He walks us through how that outdated 'retire from work and fade away' script clashes with modern 50- and 60-somethings who still have health, curiosity, and huge ambitions. In this episode he also: Reframes risk as the possibility of dying with plenty of money but too few memories Unpacks why spreadsheets never quite make us feel safe Lays out his three-phase map of the second half of life     DEALS & DISCOUNTS FROM OUR TRUSTED PARTNERS:   MONARCH MONEY The modern way to manage money! Monarch will change the way you organize your financial life. Track, budget, plan, and do more with your money – together. Get 50% off the first year using this link and entering code: CATCHINGUP50   ALLOY The Alloy Market offers a seamless and efficient way to sell your gold, silver, and platinum jewelry, regardless of its condition. They are committed to transparency and fairness, ensuring you get the best possible value for your items. Use this special Link and enter code CUTOFI15 to get a $15 bonus when you sell items over $199 (limited time offer).    For a full list of current deals and discounts from our partners, sponsors and affiliates, click here: catchinguptofi.com/our-partners    SUPPORT  THE  SHOW 📩 Sign up for our newsletter 🌐 Visit Catching Up to FI website  🔗Connect with us ☕ Like what you hear on Catching Up to FI? Support the show at "Buy Me a Coffee"  🎙️We love hearing from you! Record a Voice Message with your feedback or question Record a Voice Message with your feedback or question     RESOURCES MENTIONED ON THE SHOW: (As an Amazon Associate, I earn from qualifying purchases.) 🌐 Humans vs Retirement Website & Podcast 📕 The Retirement You Didn't See Coming   ⏰ Related Episodes What Would 'Your Money' Look Like In a Simple Sketch? | Carl Richards | 170 The Father of Financial Life Planning (Part 1) | George Kinder | 140 The Three Kinder Questions (Part 2) | George Kinder | 141 Hard & Soft Sides of Retirement | Fritz Gilbert | 019     If you enjoyed this episode, please follow the show on your podcast player and leave us a rating and review. If you want to watch, be sure to subscribe to our YouTube Channel. This helps others find the show and keeps us creating great content for you!     📌Disclaimer: Our content is for general education and information purposes only. We are not providing financial, legal, or tax advice. Always do your own research or consult a professional before making important decisions.  

The cost of college is skyrocketing! To make sure you're not paying those sticker prices, we brought in New York Times 'Your Money' columnist, Ron Lieber. He is also author of 'The Price You Pay for College' and joins the show for a brutally honest walkthrough of what is actually going on behind the scenes. In this episode he breaks down: List price vs. cost of attendance Why most families don't pay rack rate How to read a school's 'Common Data Set' Merit vs. need-based aid How net price calculators and pre-reads can keep you from falling in love with a school you can't afford DEALS & DISCOUNTS FROM OUR TRUSTED PARTNERS:   MONARCH MONEY The modern way to manage money! Monarch will change the way you organize your financial life. Track, budget, plan, and do more with your money – together. Get 50% off the first year using this link and entering code: CATCHINGUP50   ALLOY The Alloy Market offers a seamless and efficient way to sell your gold, silver, and platinum jewelry, regardless of its condition. They are committed to transparency and fairness, ensuring you get the best possible value for your items. Use this special Link and enter code CUTOFI15 to get a $15 bonus when you sell items over $199 (limited time offer).    For a full list of current deals and discounts from our partners, sponsors and affiliates, click here: catchinguptofi.com/our-partners    SUPPORT THE SHOW 📩 Sign up for our newsletter 🌐 Visit Catching Up to FI website  🔗Connect with us ☕ Like what you hear on Catching Up to FI? Support the show at "Buy Me a Coffee"  🎙️We love hearing from you! Record a Voice Message with your feedback or question Record a Voice Message with your feedback or question     RESOURCES MENTIONED ON THE SHOW: (As an Amazon Associate, I earn from qualifying purchases.) 📕 Books by Ron Lieber 🌐 Merit Aid Course (with link to free merit aid checklist) Ron's New York Times Profile Niche (for comparing colleges) Saving For College (Compare 529 Plans)   ⏰ Related Episodes Stop Paying for College and Use These High-Return Scholarship Hacks Instead | Chris Corinthian | 189 Banishing The Burden of Student Loan Debt | Travis Hornsby | 122  The New World of 529 College Savings | Patricia Roberts (Coming Soon)     If you enjoyed this episode, please follow the show on your podcast player and leave us a rating and review. If you want to watch, be sure to subscribe to our YouTube Channel. This helps others find the show and keeps us creating great content for you!     📌Disclaimer: Our content is for general education and information purposes only. We are not providing financial, legal, or tax advice. Always do your own research or consult a professional before making important decisions.  

Bill joins Jordan 'Doc G' Grumet for a community episode on the Earn & Invest podcast. They stress-test what happens when someone asks ChatGPT: 'What should I do if I'm retiring in five years?' Bill talks about turning 60, being told he's officially reached financial independence, and shifting from accumulation to a more defensive, retirement-ready nest egg.      DEALS & DISCOUNTS FROM OUR TRUSTED PARTNERS:   MONARCH MONEY The modern way to manage money! Monarch will change the way you organize your financial life. Track, budget, plan, and do more with your money – together. Get 50% off the first year using this link and entering code: CATCHINGUP50   ALLOY The Alloy Market offers a seamless and efficient way to sell your gold, silver, and platinum jewelry, regardless of its condition. They are committed to transparency and fairness, ensuring you get the best possible value for your items. Use this special Link and enter code CUTOFI15 to get a $15 bonus when you sell items over $199 (limited time offer).    For a full list of current deals and discounts from our partners, sponsors and affiliates, click here: catchinguptofi.com/our-partners      === SUPPORT THE SHOW === 📩 Sign up for our newsletter 🌐 Visit Catching Up to FI website  🔗Connect with us ☕ Like what you hear on Catching Up to FI? Support the show at "Buy Me a Coffee"  🎙️We love hearing from you! Record a Voice Message with your feedback or question Record a Voice Message with your feedback or question     RESOURCES MENTIONED ON THE SHOW: (As an Amazon Associate, I earn from qualifying purchases.) Earn and Invest Podcast   ⏰ Related Episodes The pURPOSE Code | Jordan Grumet | 115 A Boat Named YOLO | Bill Yount | 001   If you enjoyed this episode, please follow the show on your podcast player and leave us a rating and review. If you want to watch, be sure to subscribe to our YouTube Channel. This helps others find the show and keeps us creating great content for you!     📌Disclaimer: Our content is for general education and information purposes only. We are not providing financial, legal, or tax advice. Always do your own research or consult a professional before making important decisions.  

Chris Corinthian is the 'Fin Lit Guy' and knows his way around scholarships and other high-return ways to earn money for college. He joins the show to give us a masterclass on paying for college without wrecking your retirement. Chris opens with his own financial setbacks, including a layoff and a devastating fire, which helped him realize the importance of financial literacy. In this episode, you will learn: Chris' Debt-free degree triangle How teens as young as 13 can earn free college credits His scholarship system that treats applications like a part-time job Specifics of where and how to apply for scholarships     DEALS & DISCOUNTS FROM OUR TRUSTED PARTNERS:   MONARCH MONEY The modern way to manage money! Monarch will change the way you organize your financial life. Track, budget, plan, and do more with your money – together. Get 50% off the first year using this link and entering code: CATCHINGUP50   ALLOY The Alloy Market offers a seamless and efficient way to sell your gold, silver, and platinum jewelry, regardless of its condition. They are committed to transparency and fairness, ensuring you get the best possible value for your items. Use this special Link and enter code CUTOFI15 to get a $15 bonus when you sell items over $199 (limited time offer).    For a full list of current deals and discounts from our partners, sponsors and affiliates, click here: catchinguptofi.com/our-partners    SUPPORT  THE  SHOW 📩 Sign up for our newsletter 🌐 Visit Catching Up to FI website  🔗Connect with us ☕ Like what you hear on Catching Up to FI? Support the show at "Buy Me a Coffee"  🎙️We love hearing from you! Record a Voice Message with your feedback or question Record a Voice Message with your feedback or question     RESOURCES MENTIONED ON THE SHOW: (As an Amazon Associate, I earn from qualifying purchases.) Charities: Autism Speaks Red Cross    🌐 The FinLit Guy 📕 Financial Literacy 101 for College Student 📘 Financial Literacy 101 for College Students (free digital download) My Money Mentors on PBS  EconoMe Talk The Boujee Banker Earn College Credit with CLEP Scholly Scholarships Scholarship Owl Modern States Education Alliance Raise Me     ⏰ Related Episodes Banishing The Burden of Student Loan Debt | Travis Hornsby | 122 The College Discount Game You Need To Know Before Choosing A School | Ron Lieber | 191 The New World of 529 College Savings | Patricia Roberts (Coming Soon)     If you enjoyed this episode, please follow the show on your podcast player and leave us a rating and review. If you want to watch, be sure to subscribe to our YouTube Channel. This helps others find the show and keeps us creating great content for you!     📌Disclaimer: Our content is for general education and information purposes only. We are not providing financial, legal, or tax advice. Always do your own research or consult a professional before making important decisions.  

Rose Lounsbury likes things simple. Her specialty is helping people embrace the art of decluttering and she joins us on the show today for a New Year's reset that goes way beyond junk drawers. Rose tells us how decluttering is really about creating space— for FI, for generosity, and for the surprising next chapter. After this episode you'll be ready for a clean start for 2026 as she walks us through: Her own minimalist journey that led her to getting rid of 70% of her stuff, while raising triplets!  The generational scripts behind our clutter and how to fix it Why we should own our stuff, not the other way around How late starters can overcome the clutter trap that quietly devours time, money, and energy Getting rid of internal clutter      DEALS & DISCOUNTS FROM OUR TRUSTED PARTNERS:   MONARCH MONEY The modern way to manage money! Monarch will change the way you organize your financial life. Track, budget, plan, and do more with your money – together. Get 50% off the first year using this link and entering code: CATCHINGUP50   ALLOY The Alloy Market offers a seamless and efficient way to sell your gold, silver, and platinum jewelry, regardless of its condition. They are committed to transparency and fairness, ensuring you get the best possible value for your items. Use this special Link and enter code CUTOFI15 to get a $15 bonus when you sell items over $199 (limited time offer).    For a full list of current deals and discounts from our partners, sponsors and affiliates, click here: catchinguptofi.com/our-partners    S U P P O R T   T H E   S H O W 📩 Sign up for our newsletter 🌐 Visit Catching Up to FI website  🔗Connect with us ☕ Like what you hear on Catching Up to FI? Support the show at "Buy Me a Coffee"  🎙️We love hearing from you! Record a Voice Message with your feedback or question Record a Voice Message with your feedback or question     RESOURCES MENTIONED ON THE SHOW: (As an Amazon Associate, I earn from qualifying purchases.)   🌐 Rose Lounsbury 📘 Less: Minimalism, For Real 📗 Achievement Addict Rose's Tedx Talk: How Many Towels Do You Need Rose's EconoMe Talk: The Journey to Enough     If you enjoyed this episode, please follow the show on your podcast player and leave us a rating and review. If you want to watch, be sure to subscribe to our YouTube Channel. This helps others find the show and keeps us creating great content for you!     📌Disclaimer: Our content is for general education and information purposes only. We are not providing financial, legal, or tax advice. Always do your own research or consult a professional before making important decisions.  

Happy New Year! As we roll into 2026, organizing money becomes top of mind and one of the most common New Year's resolutions. So today on the show we have an expert with the leading money management app- Monarch Money, Rachel Lawrence. She is a Certified Financial Planner and fintech leader who works at the intersection of personal finance, behavior, technology, and artificial intelligence (AI). She also runs her own fee-only financial planning firm called Reverie Wealth. In this episode Rachel gives us a masterclass on how to organize your financial life with Monarch's modern way to manage money that goes beyond the basics of budgeting. Plus, we'll get a peek into what changes they have coming in 2026!     DEALS & DISCOUNTS FROM OUR TRUSTED PARTNERS:   MONARCH MONEY The modern way to manage money! Monarch will change the way you organize your financial life. Track, budget, plan, and do more with your money – together. Get 50% off the first year using this link and entering code: CATCHINGUP50   ALLOY The Alloy Market offers a seamless and efficient way to sell your gold, silver, and platinum jewelry, regardless of its condition. They are committed to transparency and fairness, ensuring you get the best possible value for your items. Use this special Link and enter code CUTOFI15 to get a $15 bonus when you sell items over $199 (limited time offer).    For a full list of current deals and discounts from our partners, sponsors and affiliates, click here: catchinguptofi.com/our-partners      📩 Sign up for our newsletter (NEW!) 🌐 Visit Catching Up to FI website  🔗Connect with us ☕ Like what you hear on Catching Up to FI? Support the show at "Buy Me a Coffee"  🎙️We love hearing from you! Record a Voice Message with your feedback or question Record a Voice Message with your feedback or question     RESOURCES MENTIONED ON THE SHOW: (As an Amazon Associate, I earn from qualifying purchases.)   🌐 Monarch Money 🌐 Reverie Wealth     If you enjoyed this episode, please follow the show on your podcast player and leave us a rating or review. If you want to watch, be sure to subscribe to our YouTube Channel. This helps others find the show and keeps us creating great content for you!     📌Disclaimer: Our content is for general education and information purposes only. We are not providing financial, legal, or tax advice. Always do your own research or consult a professional before making important decisions.    

Catching Up to FI co-host, Jackie Cummings Koski crosses over to Andy Panko's 'Retirement Planning Education' podcast for a funny, deeply practical masterclass on what FIRE really is (and what it isn't). Jackie is single-mom late-starter, FIRE for Dummies author, and "I retired but I'm still busy" money nerd. She rewinds her journey of retiring before 50 and walks Andy (and listeners) through: How she hit a ~$1M FI number with ~$40K annual spending Managing healthcare premiums by understanding how ACA subsidies really work Tapping her pre-tax IRA before 59.5 using 72(t) without blowing herself up Qualifying for ex-spouse Social Security benefits Medical tourism in Bali funded by her HSA Why most 401(k) menus are quietly sabotaging regular people They finish with Jackie's second act: two books, a CFP, a master's in financial planning & financial therapy, and co-hosting Catching Up to FI to help late starters realize it's not too late.     DEALS & DISCOUNTS FROM OUR TRUSTED PARTNERS:   Monarch Money The modern way to manage money! Monarch will change the way you organize your financial life. Track, budget, plan, and do more with your money – together. Get 50% off the first year using this link and entering code: CATCHINGUP50   Alloy The Alloy Market offers a seamless and efficient way to sell your gold, silver, and platinum jewelry, regardless of its condition. They are committed to transparency and fairness, ensuring you get the best possible value for your items. Use this special Link and enter code CUTOFI15 to get a $15 bonus when you sell items over $199 (limited time offer).    For a full list of current deals and discounts from our partners, sponsors and affiliates, click here: catchinguptofi.com/our-partners    📩 Sign up for our newsletter (NEW!) 🌐 Visit Catching Up to FI website  🔗Connect with us ☕ Like what you hear on Catching Up to FI? Support the show at "Buy Me a Coffee"  🎙️We love hearing from you! Record a Voice Message with your feedback or question Record a Voice Message with your feedback or question     RESOURCES MENTIONED ON THE SHOW: (As an Amazon Associate, I earn from qualifying purchases.) 🌐Retirement Planning Education 🎙️Retirement Planning Education Podcast  🌐Tenon Financial   📕 F.I.R.E. For Dummies by Jackie Cummings Koski   ⏰ 'Catching Up to FI' Episodes Retirement Planning Tips | Andy Panko | 063 From Poverty to Wealth and Early Retirement | Jackie Cummings Koski | 007   If you enjoyed this episode, please follow the show on your podcast player and leave us a rating or review. If you want to watch, be sure to subscribe to our YouTube Channel. This helps others find the show and keeps us creating great content for you!     ⚠️Disclaimer: Our content is for general education and information purposes only. We are not providing financial, legal, or tax advice. Always do your own research or consult a professional before making important decisions.

The Mad Fientist (Brandon Ganch) is an OG, pioneer, and giant in the Financial Independence (FI) movement! It took us a while to get him on the show, but he finally joins us for this very special holiday catch-up. Brandon is a software developer and strategically put those skills to work in creating the popular Mad Fientist blog & podcast. He's best known for deep dive experiments on tax optimization, early access to retirement funds, and other brilliant FI strategies.  Now a family man with a wife and two kids, Brandon rarely does interviews these days. But today you will get a rare glimpse into the ups and downs of his post-FI life. In this episode he candidly talks about: What he thought about money growing up and as a young adult His obsession with money and how it led to a period of depression while running the Mad Fientist blog and podcast How he traded in his extreme frugality and self-deprivation for joyful spending using his "Wealth Machines" software that has been in development for years Building his dream music studio and putting out a Billboard-charting album (Dead Pixel) and new EP (QED) Becoming a dad and asking big questions about raising children who've never seen their parents go to work     DEALS & DISCOUNTS FROM OUR TRUSTED PARTNERS: 🆕NEW PARTNER:  Monarch Money The modern way to manage money! Monarch will change the way you organize your financial life. Track, budget, plan, and do more with your money – together. Get 50% off the first year using this link and entering code: CATCHINGUP50   Alloy The Alloy Market offers a seamless and efficient way to sell your gold, silver, and platinum jewelry, regardless of its condition. They are committed to transparency and fairness, ensuring you get the best possible value for your items. Use this special Link and enter code CUTOFI15 to get a $15 bonus when you sell items over $199 (limited time offer).    For a full list of current deals and discounts from our partners, sponsors and affiliates, click here: catchinguptofi.com/our-partners      📩 Sign up for our newsletter (NEW!) 🌐 Visit Catching Up to FI website  🔗Connect with us ☕ Like what you hear on Catching Up to FI? Support the show at "Buy Me a Coffee"  🎙️We love hearing from you! Record a Voice Message with your feedback or question Record a Voice Message with your feedback or question     RESOURCES MENTIONED ON THE SHOW: (As an Amazon Associate, I earn from qualifying purchases.) 🌐 The Mad Fientist Blog  🎙️The Mad Fientist's Financial Independence Podcast Wealth Machines Software (in beta) 🎼 Follow Brandon's Music on Spotify (1=2) 🎼 New Album (QED, 2025) 🎼 1st Album (Dead Pixel, 2021) Get Rich Slowly- J.D. Roth 📘 Ramit Sethi – I Will Teach You to Be Rich 📕 Die with Zero by Bill Perkins 📗 The Wealth Ladder by Nick Maggiulli     ⏰ 'Catching Up to FI' Episodes   The Godfather of FI Talks Fatherhood | JL Collins | 149      The pURPOSE Code | Jordan Grumet | 115     Sustainable FIlosophy with Mr. Money Mustache | Pete Adeney | 073       If you enjoyed this episode, please follow the show on your podcast player and leave us a rating or review. If you want to watch, be sure to subscribe to our YouTube Channel. This helps others find the show and keeps us creating great content for you!     ⚠️Disclaimer: Our content is for general education and information purposes only. We are not providing financial, legal, or tax advice. Always do your own research or consult a professional before making important decisions.

Frank Vasquez (aka 'Uncle Frank' to the FI community) returns to the show to talk gold and what this shiny speculation is actually doing in a modern FI portfolio. Frank is the voice behind Risk Parity Radio and has a knack for making even the most tangled concepts in life and investing feel approachable. In this episode he tackles: Gold as speculation, not a gamble  Gold's role in accumulation vs. retirement Typical gold allocation Correlation & diversification Physical gold vs. ETFs   DEALS & DISCOUNTS FROM OUR TRUSTED PARTNERS: 🆕NEW PARTNER:  Monarch Money The modern way to manage money! Monarch will change the way you organize your financial life. Track, budget, plan, and do more with your money – together. Get 50% off the first year using this link and entering code: CATCHINGUP50   Alloy The Alloy Market offers a seamless and efficient way to sell your gold, silver, and platinum jewelry, regardless of its condition. They are committed to transparency and fairness, ensuring you get the best possible value for your items. Use this special Link and enter code CUTOFI15 to get a $15 bonus when you sell items over $199 (limited time offer).    For a full list of current deals and discounts from our partners, sponsors and affiliates, click here: catchinguptofi.com/our-partners      📩 Sign up for our newsletter (NEW!) 🌐 Visit Catching Up to FI website  🔗Connect with us ☕ Like what you hear on Catching Up to FI? Support the show at "Buy Me a Coffee"  🎙️We love hearing from you! Record a Voice Message with your feedback or question Record a Voice Message with your feedback or question     RESOURCES MENTIONED ON THE SHOW: (As an Amazon Associate, I earn from qualifying purchases.) Charity: The Father McKenna Center 🌐Risk Parity Radio     ⏰ 'Catching Up to FI' Episodes 'The Risk Parity Paradox' an Exercise in Simple Complexity? | Frank Vasquez | 124 SpongeBob and Drawdown Strategies | Frank Vasquez | 044   If you enjoyed this episode, please follow the show on your podcast player and leave us a rating or review. If you want to watch, be sure to subscribe to our YouTube Channel. This helps others find the show and keeps us creating great content for you!     ⚠️Disclaimer: Our content is for general education and information purposes only. We are not providing financial, legal, or tax advice. Always do your own research or consult a professional before making important decisions.

Trae Bodge is one of the country's leading smart-shopping and personal-savings experts. You've probably seen her on CNBC and Good Morning America, or in publications like The New York Times, USA Today, and MarketWatch. She joins us on the show for a holiday-season intervention on spending, shopping, and gift-giving. Trae also shares news about her, mom-inspired Threadneedle Alley Foundation, a nonprofit that provides grants and guidance to midlife entrepreneurs facing financial challenges. Through Dec. 31, 2025, entrepreneurs ages 40 and up can apply for a $5,000 grant and ongoing mentorship .      🎁 🎁 🎁A Special Gift from our friend... The Mad Fientist (only through Dec 10th) Brandon Ganch's (aka The Mad Fientist) is one of the early pioneers of the FI Movement and has shared his knowledge and brilliant resources with millions of people for over a decade. He will be featured on our holiday episode (releasing on 12/21/25). This holiday season he has a brand new beta software called Wealthmachines.co, a complete system designed for financial independence that focuses on your assets and the income they generate. Even though he's brilliant at developing software, his real passion is music, and he has a new album coming out with a juicy offer! Until December 10th, he is gifting early access to you before it goes to a monthly subscription when you purchase his new album. Here's how you can support his passion and get his software:   Preorder his brand new EP Album for $4.99 before December 10th on Amazon Music (or other music retailers) and ​follow him on ​Spotify (help him get to 1000 subscribers) Send a copy of the receipt to [email protected]​ Go to Wealthmachines.co and click the "Get Access" link in the top right corner to get free access. Note: The public release won't be until 2027, but you'll be able to start using it as soon as it's ready. Also, you will NOT need to pay an annual fee once the app becomes publicly available (the annual fee will be more than the EP's cost, every single year)!     DEALS & DISCOUNTS FROM OUR TRUSTED PARTNERS:   🆕NEW PARTNER:  Monarch Money The modern way to manage money! Monarch will change the way you organize your financial life. Track, budget, plan, and do more with your money – together. Get 50% off the first year using this link and entering code: CATCHINGUP50   Alloy   The Alloy Market offers a seamless and efficient way to sell your gold, silver, and platinum jewelry, regardless of its condition. They are committed to transparency and fairness, ensuring you get the best possible value for your items. Use this special Link and enter code CUTOFI15 to get a $15 bonus when you sell items over $199 (limited time offer).  For a full list of current deals and discounts from our partners, sponsors and affiliates, click here: catchinguptofi.com/our-partners      📩 Sign up for our newsletter (NEW!) 🌐 Visit Catching Up to FI website  🔗Connect with us ☕ Like what you hear on Catching Up to FI? Support the show at "Buy Me a Coffee"  🎙️We love hearing from you! Record a Voice Message with your feedback or question Record a Voice Message with your feedback or question     RESOURCES MENTIONED ON THE SHOW: (As an Amazon Associate, I earn from qualifying purchases.) Charity:  Threadneedle Alley  🌐 TrueTrae.com     If you enjoyed this episode, please follow the show on your podcast player and leave us a rating or review. If you want to watch, be sure to subscribe to our YouTube Channel. This helps others find the show and keeps us creating great content for you!     ⚠️Disclaimer: Our content is for general education and information purposes only. We are not providing financial, legal, or tax advice. Always do your own research or consult a professional before making important decisions.

We love collaborations and this time we teamed up with Mindy and Scott from BiggerPockets Money to tackle a case study you don't want to miss: "How to go from Broke at 50 to Retired at 60!" This originally aired on BiggerPockets Money in August, and since then it received over 300,000 views and quickly moved up to the second most popular video on their YouTube Channel. Needless to say, this topic, got people talking! We spell out exactly what we would do to go from a zero-dollar net worth to a million dollars in retirement! This is a step-by-step plan that anyone who wants to retire on time can follow, focusing specifically on Barb - a recently divorced stay-at-home mom reentering the workforce with a zero-dollar net worth. Her situation represents millions of people who find themselves starting over financially in their fifties, whether due to divorce, job loss, or simply never having started saving for retirement.   ===DEALS & DISCOUNTS FROM OUR TRUSTED PARTNERS===   🆕NEW PARTNER:  Monarch Money The modern way to manage money! Monarch will change the way you organize your financial life. Track, budget, plan, and do more with your money – together. Get 50% off the first year using this link and entering code: CATCHING50   Alloy The Alloy Market offers a seamless and efficient way to sell your gold, silver, and platinum jewelry, regardless of its condition. They are committed to transparency and fairness, ensuring you get the best possible value for your items. Use this special Link and enter code CUTOFI15 to get a $15 bonus when you sell items over $199 (limited time offer).    For a full list of current deals and discounts from our partners, sponsors and affiliates, click here: catchinguptofi.com/our-partners      📩 Sign up for our newsletter (NEW!) 🌐 Visit Catching Up to FI website  🔗Connect with us ☕ Like what you hear on Catching Up to FI? Support the show at "Buy Me a Coffee"  🎙️We love hearing from you! Record a Voice Message with your feedback or question Record a Voice Message with your feedback or question     RESOURCES MENTIONED ON THE SHOW: (As an Amazon Associate, I earn from qualifying purchases.)   🌐Bigger Pockets Money YouTube Channel http://www.youtube.com/@BiggerPocketsMoney      ⚠️Disclaimer: Our content is for general education and information purposes only. We are not providing financial, legal, or tax advice. Always do your own research or consult a professional before making important decisions.  

At 48, Kim Hunter-Borst was drowning in debt even though she had a solid New York income. Where was the money going? How did she fix it and reach early retirement by 58? We find out in this no-shame late-starter conversation that was recorded live in Bali at the FI Freedom Retreat (please excuse the background noise!) Kim was firmly in the messy middle and retraces the moment she decided to stop winging it. She shares some simple systems that finally stuck, and the handful of brave choices—asking for more at work, saying no to status buys, and saying yes to purpose—that changed her trajectory. In this candid interview, you'll also hear: The money scripts Kim had to rewrite The tools that actually helped The joyful stuff she refused to cut while saving How she healed her 'one more year syndrome' What she's doing now to help others on their FI journey     ===DEALS & DISCOUNTS FROM OUR TRUSTED PARTNERS===   🆕NEW PARTNER:  Monarch Money The modern way to manage money! Monarch will change the way you organize your financial life. Track, budget, plan, and do more with your money – together. Get 50% off the first year using this link and entering code: CATCHINGUP50   Alloy The Alloy Market offers a seamless and efficient way to sell your gold, silver, and platinum jewelry, regardless of its condition. They are committed to transparency and fairness, ensuring you get the best possible value for your items. Use this special Link and enter code CUTOFI15 to get a $15 bonus when you sell items over $199 (limited time offer).    For a full list of current deals and discounts from our partners, sponsors and affiliates, click here: catchinguptofi.com/our-partners      📩 Sign up for our newsletter (NEW!) 🌐 Visit Catching Up to FI website  🔗Connect with us ☕ Like what you hear on Catching Up to FI? Support the show at "Buy Me a Coffee"  🎙️We love hearing from you! Record a Voice Message with your feedback or question Record a Voice Message with your feedback or question     RESOURCES MENTIONED ON THE SHOW: (As an Amazon Associate, I earn from qualifying purchases.) Charities:  Planned Parenthood  Charity Water USA for UNHCR   🌐 Women Of FI Kim's 2026 Women's Weekend has sold out! Click here for more information about future events and get on the email list.  Join WE Wealth Collective Facebook Community ChooseFI Lydia Senn on YouTube  Scholly Scholarships EconoMe Conference F.I.R.E. For Dummies     ⏰ 'Catching Up to FI' Episodes Live from Bali: Are They Really Retired? (Part 2) | Jackie & Doc G | 178 Live from Bali! Don't Miss These FI Stories From Around The Globe | Jackie & Captain FI | 176 The Power of Cash Flow Planning | Sarah-Catherine Gutierrez | 016   If you enjoyed this episode, please follow the show on your podcast player and leave us a rating or review. If you want to watch, be sure to subscribe to our YouTube Channel. This helps others find the show and keeps us creating great content for you!   ⚠️Disclaimer: Our content is for general education and information purposes only. We are not providing financial, legal, or tax advice. Always do your own research or consult a professional before making important decisions.

Dr. Daniel Crosby took a circuitous path to the world of money — starting as a psychologist and ending up as one of the most engaging voices in behavioral finance. He is Chief Behavioral Officer at Orion and author of The Soul of Wealth. Dr. Crosby goes beyond the math to the meaning: identity, autonomy, and why 'you don't really want to be rich, you want to be free.' He joins the show to talk us through: Reframing money as a tool for time freedom, relationships, and purpose—not status Using behavior science to close the gap between 'knowing' and 'doing'  Downshifting lifestyle creep and designing guardrails Replacing 'I'll be happy when...', with habits, community, and a clear vision of your 'retirement cow'   ===DEALS & DISCOUNTS FROM OUR TRUSTED PARTNERS=== 🆕NEW PARTNER: Alloy The Alloy Market offers a seamless and efficient way to sell your gold, silver, and platinum jewelry, regardless of its condition. They are committed to transparency and fairness, ensuring you get the best possible value for your items. Use this special Link and enter code CUTOFI15 to get a $15 bonus when you sell items over $199 (limited time offer).  For a full list of current deals and discounts from our partners, sponsors and affiliates, click here: catchinguptofi.com/our-partners      📩 Sign up for our newsletter (NEW!) 🌐 Visit Catching Up to FI website  ☕ Like what you hear on Catching Up to FI? Support the show at "Buy Me a Coffee"  🎙️We love hearing from you! Record a Voice Message with your feedback or question Record a Voice Message with your feedback or question   RESOURCES MENTIONED ON THE SHOW: (As an Amazon Associate, I earn from qualifying purchases.) Charity: National Alliance on Mental Illness 🌐 Standard Deviations podcast Orion 📗 The Soul of Wealth   ⏰ 'Catching Up to FI' Episodes Doña Quixote, Life Energy, and The Coming of Aging | Vicki Robin | 94 Enoughness: Your Life or Your Money | Vicki Robin | 95   If you enjoyed this episode, please follow the show on your podcast player and leave us a rating or review. If you want to watch, be sure to subscribe to our YouTube Channel. This helps others find the show and keeps us creating great content for you!   ⚠️Disclaimer: Our content is for general education and information purposes only. We are not providing financial, legal, or tax advice. Always do your own research or consult a professional before making important decisions.

Sean 'FI Tax Guy' Mullaney and Cody 'Measure Twice' Garrett are two of the smartest financial planning pros who are best known for sharing their deep knowledge in the financial independence community and beyond. They join us today to break down tax planning in a way you may not have ever heard before. They don't agree with some of the conventional advice and make a case for the contrarian views they share in their new book, 'Tax Planning To and Through Early Retirement'. In this conversation, we dive into: Top year-end tax tips for later starters Affordable Care Act (ACA) premium tax credits Drawdown principles Moving through the 5 phases of retirement How a little tax awareness can go a long way This discussion is intended to be for general educational purposes and is not tax, legal, or investment advice for any individual. Bill, Jackie, and the Catching Up to FI podcast do not endorse Sean Mullaney, Mullaney Financial & Tax, Inc. and their services.    ===DEALS & DISCOUNTS FROM OUR TRUSTED PARTNERS=== 🆕NEW PARTNER: Alloy The Alloy Market offers a seamless and efficient way to sell your gold, silver, and platinum jewelry, regardless of its condition. They are committed to transparency and fairness, ensuring you get the best possible value for your items. Use this special Link and enter code CUTOFI15 to get a $15 bonus when you sell items over $199 (limited time offer).    For a full list of current deals and discounts from our partners, sponsors and affiliates, click here: catchinguptofi.com/our-partners      📩 Sign up for our newsletter (NEW!) 🌐 Visit Catching Up to FI website  🔗Connect with us ☕ Like what you hear on Catching Up to FI? Support the show at "Buy Me a Coffee"  🎙️We love hearing from you! Record a Voice Message with your feedback or question Record a Voice Message with your feedback or question     RESOURCES MENTIONED ON THE SHOW: (As an Amazon Associate, I earn from qualifying purchases.) 📘 Tax Planning To and Through Early Retirement   --Cody Garrett 🌐 Measure Twice Money 🌐 Measure Twice Planners 📺 Measure Twice YouTube   --Sean Mullaney 🌐 FI Tax Guy  🌐 Mullaney Financial & Tax 📺 FI Tax Guy YouTube 📕 Solo 401(k): The Solopreneur's Retirement Account 📄 UBS Global Wealth Report 2025   ⏰ 'Catching Up to FI' Episodes Tactical Tips and Tripwires: The DIY Financial Planner's Guide | Cody Garrett | 112 Year End Tax Planning | Sean Mullaney | 045 Music Money Man | Cody Garrett | 035 Life & Taxes | Sean Mullaney | 013 72(t) Expert Tells All: No More Secrets About Early Withdrawals (Part 1) | Bill Stecker | 131 Cashing in on 72(t): The Goldmine of Early Retirement Rules (Part2) | Bill Stecker | 133     If you enjoyed this episode, please follow the show on your podcast player and leave us a rating or review. If you want to watch, be sure to subscribe to our YouTube Channel. This helps others find the show and keeps us creating great content for you!   ⚠️Disclaimer: Our content is for general education and information purposes only. We are not providing financial, legal, or tax advice. Always do your own research or consult a professional before making important decisions.

Recorded live in Bali, at the FI Freedom Retreat (the 2nd one in 2025), Jackie teams up with Doc G from the Earn & Invest Podcast. They ask the spiciest FI question of all—not 'can I retire yet?' but 'should I?' Three very different journeys take the mic: Fara's 'accidental FIRE' at 47 and her boomerang back to a cause-driven job (then boomerang away again) Gene's post-quit LinkedIn relapse and the search for purpose without a W-2 Rachel Richard's pivot from real estate and a viral brand (Money Honey Rachel) to doing the inner work, ditching external validation, and—surprise—catching the spark to write again. Stay for the after-show hot seat where more attendees share their own takes on whether they'll ever 'work' again. Hear from Scott, Dave, Sophie, Selene, Justin, Kim, and Amy.   ===DEALS & DISCOUNTS FROM OUR TRUSTED PARTNERS=== 🆕NEW PARTNER: Alloy The Alloy Market offers a seamless and efficient way to sell your gold, silver, and platinum jewelry, regardless of its condition. They are committed to transparency and fairness, ensuring you get the best possible value for your items. Use this special Link and enter code CUTOFI15 to get a $15 bonus when you sell items over $199 (limited time offer).    For a full list of current deals and discounts from our partners, sponsors and affiliates, click here: catchinguptofi.com/our-partners      📩 Sign up for our newsletter (NEW!) 🌐 Visit Catching Up to FI website  🔗Connect with us ☕ Like what you hear on Catching Up to FI? Support the show at "Buy Me a Coffee"  🎙️We love hearing from you! Record a Voice Message with your feedback or question Record a Voice Message with your feedback or question     RESOURCES MENTIONED ON THE SHOW: (As an Amazon Associate, I earn from qualifying purchases.) 🌐 FI Freedom Retreats  Next Retreat: Sept 11 - 15, 2026  Earn and Invest Podcast Rachel Richards- Money Honey Rachel  Scott On FIRE     ⏰ 'Catching Up to FI' Episodes International Educator, Bali FIRE | Amy Minkley | 137     If you enjoyed this episode, please follow the show on your podcast player and leave us a rating or review. If you want to watch, be sure to subscribe to our YouTube Channel. This helps others find the show and keeps us creating great content for you!   ⚠️Disclaimer: Our content is for general education and information purposes only. We are not providing financial, legal, or tax advice. Always do your own research or consult a professional before making important decisions.

Our guest today is Beth Pinsker, CFP®-- seasoned financial journalist, MarketWatch columnist and author of the new book, My Mother's Money: A Guide to Financial Caregiving. She represents the sandwich generation and gives us tips, advice, and cautionary tales about her firsthand experience after finding herself caring for her mother and her finances. She explains that caregiving isn't just forms and bank calls—it's love, logistics, and a dash of stubborn grit. Beth also shares: The "death file" story that changed everything How to survive bank pushbacks on powers of attorney Why a tiny funeral policy became an act of love The must-do digital steps that make caregiving possible in a two-factor world     ===DEALS & DISCOUNTS FROM OUR TRUSTED PARTNERS=== 🆕NEW PARTNER: Alloy The Alloy Market offers a seamless and efficient way to sell your gold, silver, and platinum jewelry, regardless of its condition. They are committed to transparency and fairness, ensuring you get the best possible value for your items. Use this special Link and enter code CUTOFI15 to get a $15 bonus when you sell items over $199 (limited time offer).    For a full list of current deals and discounts from our partners, sponsors and affiliates, click here: catchinguptofi.com/our-partners      📩 Sign up for our newsletter (NEW!) 🌐 Visit Catching Up to FI website  🔗Connect with us ☕ Like what you hear on Catching Up to FI? Support the show at "Buy Me a Coffee"  🎙️We love hearing from you! Record a Voice Message with your feedback or question Record a Voice Message with your feedback or question   RESOURCES MENTIONED ON THE SHOW: (As an Amazon Associate, I earn from qualifying purchases.) 🌐 BethPinsker.com 📗 My Mother's Money: A Guide to Financial Caregiving 🗒️AARP Article: 5 Things I Learned From Managing My Mother's Money     ⏰ 'Catching Up to FI' Episodes Mom and Dad, We Need to Talk | Cameron Huddleston | 048 Mini Retirements, Sabbaticals, Career Breaks- Yes Please! | Jillian Johnsrud | 153   If you enjoyed this episode, please follow the show on your podcast player and leave us a rating or review. If you want to watch, be sure to subscribe to our YouTube Channel. This helps others find the show and keeps us creating great content for you!   ⚠️Disclaimer: Our content is for general education and information purposes only. We are not providing financial, legal, or tax advice. Always do your own research or consult a professional before making important decisions.

50 people (now friends), 9 countries... all in one room, speaking the same language: Financial Independence! This is a special episode recorded live from in beautiful Bali, Indonesia at the FI Freedom Retreat. Australian blogger and podcaster, 'Captain FI',  joins Jackie as guest co-host to share the FI stories of three of the extraordinary individuals we met at the retreat: Claire (Dubai via Ireland)- Restarting and living by the philosophy of 'trust your gut' Michael (Seattle)- Newly nomadic, choosing FI-enough over perfection Val (Hong Kong)- Taking a gap year that feels like several lifetimes   ===DEALS & DISCOUNTS FROM OUR TRUSTED PARTNERS=== 🆕NEW PARTNER: Alloy The Alloy Market offers a seamless and efficient way to sell your gold, silver, and platinum jewelry, regardless of its condition. They are committed to transparency and fairness, ensuring you get the best possible value for your items. Use this special Link and enter code CUTOFI15 to get a $15 bonus when you sell items over $199 (limited time offer).    For a full list of current deals and discounts from our partners, sponsors and affiliates, click here: catchinguptofi.com/our-partners    📩 Sign up for our newsletter (NEW!) 🌐 Visit Catching Up to FI website  🔗Connect with us ☕ Like what you hear on Catching Up to FI? Support the show at "Buy Me a Coffee"  🎙️We love hearing from you! Record a Voice Message with your feedback or question Record a Voice Message with your feedback or question   RESOURCES MENTIONED ON THE SHOW: (As an Amazon Associate, I earn from qualifying purchases.) Captain FI Blog Captain FI Podcast FI Freedom Retreats Next Retreat: Sept 11 - 15, 2026    -  UNITED STATES  -  ChooseFI Mr Money Mustache BiggerPockets Money Jillian Johnsrud Mad Fientist    -  INTERNATIONAL  - PKP Community Centre (Bali, Indonesia) Firespark Australia Lacey Filipich Ted Talk Barefoot Investor (Scott Pape) Strong Money Australia (Dave Gow) Aussie Firebug   ⏰ 'Catching Up to FI' Episodes Mini Retirements, Sabbaticals, Career Breaks- Yes Please! | Jillian Johnsrud | 153 International Educator, Bali FIRE | Amy Minkley | 137 Sustainable FIlosophy with Mr. Money Mustache | Pete Adeney | 073   If you enjoyed this episode, please follow the show on your podcast player and leave us a rating or review. If you want to watch, be sure to subscribe to our YouTube Channel. This helps others find the show and keeps us creating great content for you!   ⚠️Disclaimer: Our content is for general education and information purposes only. We are not providing financial, legal, or tax advice. Always do your own research or consult a professional before making important decisions.

Dr. Brad Klontz is a leading expert in financial psychology, professor, bestselling author, and, oh yeah — an internet influencer with millions of followers who tune in for his mix of straight talk and practical money wisdom.  He joins Bill for a deep dive into why most money problems aren't math problems. Instead, they are about what's going on in our heads and in our habits. In this episode, Brad discusses: Why smart people still make dumb money mistakes The difference between poor and broke The 4 money scripts (avoidance, worship, status, vigilance) Why he argues that an internal locus of control is the ultimate wealth engine A no-nonsense roadmap for breaking bad money patterns and building real financial freedom   📩 Sign up for our newsletter (NEW!) 🌐 Visit Catching Up to FI website  🔗Connect with us ☕ Like what you hear on Catching Up to FI? Support the show at "Buy Me a Coffee"  🎙️We love hearing from you! Record a Voice Message with your feedback or question Record a Voice Message with your feedback or question   ===DEALS & DISCOUNTS FROM OUR TRUSTED PARTNERS=== 🆕NEW PARTNER: Alloy The Alloy Market offers a seamless and efficient way to sell your gold, silver, and platinum jewelry, regardless of its condition. They are committed to transparency and fairness, ensuring you get the best possible value for your items. Use this special Link and enter code CUTOFI15 to get a $15 bonus when you sell items over $199 (limited time offer).    For a full list of current deals and discounts from our partners, sponsors and affiliates, click here: catchinguptofi.com/our-partners    RESOURCES MENTIONED ON THE SHOW: (As an Amazon Associate, I earn from qualifying purchases.) 🌐 BradKlontz.com 🌐The Klontz Money Script Inventory 📕 Start Thinking Rich 📗 Financial Wisdom of Ebenezer Scrooge 📷 Brad's Facebook 📷 Brad's TikTok 📷 Brad's InstaGram   If you enjoyed this episode, please follow the show on your podcast player and leave us a rating or review. If you want to watch, be sure to subscribe to our YouTube Channel. This helps others find the show and keeps us creating great content for you!   ⚠️Disclaimer: Our content is for general education and information purposes only. We are not providing financial, legal, or tax advice. Always do your own research or consult a professional before making important decisions.

On July 4th, 2025 an 870-page tax bill called the 'One Big Beautiful Bill Act' (OBBBA) was signed into to law. Some parts have been heavily discussed and others not so much. So we dug around ourselves and pulled out some hidden messages you may have missed that could have major implications to your FI (Financial Independence) journey. 👉🏽 Updates to 2017 'Tax Cuts and Jobs Act' Makes permanent the lowered individual tax brackets established by the Tax Cuts and Jobs Act and keeps the larger standard deduction in place. Also makes permanent the higher lifetime estate gift tax exemption and increases it to $15 million for single & $30 million for married couples in 2026 (indexed to Inflation). 👉🏽 Updates to 2021 'American Rescue Plan' Expiration of the Enhanced ACA premium subsidies (not directly in the bill, it's just not being extended). The lowered premiums will expire and revert back to pre-covid levels. The Subsidy Cliff will be back in play starting 1/1/26. This is a major part of the negotiation with the current federal government shutdown so may be subject to change. We cover these topics in the new law: Increased Standard Deduction Extra Senior Deduction SALT (State And Local Tax) Deduction Cap Raised Changes with HSA (Health Savings Account) qualifications Child Tax Credit, Dependent Care FSAs, & Dependent Tax Credit  Introduction of Child Savings Accounts 529 College Savings Plan Enhancements  Deduction for Charitable Contributions Deduction (even if you take the standard deduction) New Temporary Deductions (2025–2028), Even for those who don't itemize  Overhaul of Student Loans   📩 Sign up for our newsletter (NEW!) 🌐 Visit Catching Up to FI website  🔗Connect with us ☕ Like what you hear on Catching Up to FI? Support the show at "Buy Me a Coffee"  🎙️We love hearing from you! Record a Voice Message with your feedback or question Record a Voice Message with your feedback or question   ===DEALS & DISCOUNTS FROM OUR TRUSTED PARTNERS=== 🆕NEW PARTNER: Alloy The Alloy Market offers a seamless and efficient way to sell your gold, silver, and platinum jewelry, regardless of its condition. They are committed to transparency and fairness, ensuring you get the best possible value for your items. Use this special Link and enter code CUTOFI15 to get a $15 bonus when you sell items over $199 (limited time offer).  For a full list of current deals and discounts from our partners, sponsors and affiliates, click here: catchinguptofi.com/our-partners    RESOURCES MENTIONED ON THE SHOW: (As an Amazon Associate, I earn from qualifying purchases.) 🌐Full Text of the Bill signed into law on 7/4/25  Newsletter with OBBBA Tax Law Toolkit  Includes additional content from trusted resources & experts) IRS Factsheet for OBBBA Key Elements: 'One Big Beautiful Bill Act' from CFP Board  Newsletter with OBBBA Tax Law Toolkit  (Includes additional content from trusted resources and experts)   ⏰ 'Catching Up to FI' Episodes Banishing The Burden of Student Loan Debt | Travis Hornsby | 122 A Hero's Journey: Krista & Ed, The Mother of All Case Studies! | Krista and Ed Kim | 97 Millennial Revolution is in The House! | Kristy Shen, Bryce Leung & Little Matchstick | 93   If you enjoyed this episode, please follow the show on your podcast player and leave us a rating or review. If you want to watch, be sure to subscribe to our YouTube Channel. This helps others find the show and keeps us creating great content for you!   ⚠️Disclaimer: Our content is for general education and information purposes only. We are not providing financial, legal, or tax advice. Always do your own research or consult a professional before making important decisions.

Jackie joins our friends to the north in Canada for a live taping of TD Direct Investing's 'Inside Investing', turning her late-starter playbook into a friendly masterclass for Canadians and Americans alike. Host Rob Moysey tees up her arc—divorce in her 30s with ~$20k in retirement savings, millionaire a decade later, retired at 49. Jackie fills in the human bits: purpose after FI, why 'precision is not required,' and how a BetterInvesting club cured her market fear.  She also walks through:  The simple engine that did the work: Maxing out an employer retirement plan, Roth IRA, and HSA in low-cost index funds The math behind her Financial Independence target (25× annual expenses ≈ $1M on ~$40k/yr) How she kept joy in the journey while saving ~$3k/month The kicker: despite five years of withdrawals in retirement, her net worth rose from $1.3M (Dec 2019) to ~$2.1M (July 2025). The message lands like a hug and a nudge—know your numbers, automate the boring stuff, and retire TO something.   📩 Sign up for our newsletter (NEW!) 🌐 Visit Catching Up to FI website  🔗Connect with us ☕ Like what you hear on Catching Up to FI? Support the show at "Buy Me a Coffee"  🎙️We love hearing from you! Record a Voice Message with your feedback or question Record a Voice Message with your feedback or question   ===DEALS & DISCOUNTS FROM OUR TRUSTED PARTNERS=== 📈 Boldin (formerly NewRetirement): Retirement planning software that's like having a financial advisor at your fingertips. You can get started with the free version or choose the premium option (PlannerPlus) and get a 14-day free trial.   👉🏼 Be sure to use this link to get started:  Go.boldin.com/catchingup For a full list of current deals and discounts from our partners, sponsors and affiliates, click here: catchinguptofi.com/our-partners   RESOURCES MENTIONED ON THE SHOW: (As an Amazon Associate, I earn from qualifying purchases.) 🌐Jackie's website FInomenalWoman.com  📕F.I.R.E. For Dummies 📘Money Letters 2 My Daughter  📈Jackie's Investment Club through BetterInvesting.org 📺 TD Direct Investing YouTube   ⏰ 'Catching Up to FI' Episodes From Poverty to Wealth and Early Retirement | Jackie Cummings Koski | 007   If you enjoyed this episode, please follow the show on your podcast player and leave us a rating or review. If you want to watch, be sure to subscribe to our YouTube Channel. This helps others find the show and keeps us creating great content for you!   ⚠️Disclaimer: Our content is for general education and information purposes only. We are not providing financial, legal, or tax advice. Always do your own research or consult a professional before making important decisions.

Today's episode is something TRULY special— something that's never happened before! For the first time ever… we're joined by two remarkable women who've lived alongside one of the most influential voices in the FI community, JL Collins. In this one-of-a-kind episode we introduce you to his wife, Jane Collins and daughter, Jessica Collins. This is their first-ever joint podcast appearance. We're pulling back the curtain to hear their perspectives. What was it like living with someone so passionate about financial independence? How did his philosophy shape their lives, their choices, and their own views on wealth and freedom? This isn't just a conversation about finance—it's about family, legacy, and the ripple effects of good financial education in a household. You're about to hear a side of the story that's never been told before.   📩 Sign up for our newsletter (NEW!) 🌐 Visit Catching Up to FI website  🔗Connect with us ☕ Like what you hear on Catching Up to FI? Support the show at "Buy Me a Coffee"  🎙️We love hearing from you! Record a Voice Message with your feedback or question Record a Voice Message with your feedback or question   ===DEALS & DISCOUNTS FROM OUR TRUSTED PARTNERS=== 📈 Boldin (formerly NewRetirement): Retirement planning software that's like having a financial advisor at your fingertips. You can get started with the free version or choose the premium option (PlannerPlus) and get a 14-day free trial.   👉🏼 Be sure to use this link to get started:  Go.boldin.com/catchingup For a full list of current deals and discounts from our partners, sponsors and affiliates, click here: catchinguptofi.com/our-partners   RESOURCES MENTIONED ON THE SHOW: (As an Amazon Associate, I earn from qualifying purchases.) Charity:  CHARITY:   savethechildren.org   https://www.anelder.org/ The Adopt-A-Nation-Elder Food Runs are the heart of the organizations program and community.  Twice a year they travel to the reservation in service to the Elders whose lives, culture and traditions they cherish. Because of the trust built between the Elders and their families, the staff and volunteers are allowed to travel to the Elders remote homelands and distribute assistance directly to the Elders in their communities. The Food Runs involve hundreds of volunteers transporting hundreds of thousand pounds of food and supplies to the most remote lands in the United State.   🌐JL Collins Blog  https://jlcollinsnh.com    📗 The Simple Path to Wealth (Revised & Expanded 2025 Edition & NYT Best Seller!) https://amzn.to/4kFGdTM    📕 Pathfinders: Extraordinary Stories of People Like You on the Quest for Financial Independence—and How to Join Them https://amzn.to/4kHHKbS    📘 How I Lost Money in Real Estate Before It Was Fashionable: A Cautionary Tale https://amzn.to/4dVJb3O    ⏰ 'Catching Up to FI' Episodes referenced Pathfinders: Triumphs and Trials on the Road to Financial Independence | JL Collins | 070    https://www.youtube.com/watch?v=-abgF8nW58c&t=1195s   Pathfinders: Stories of Success and Financial Independence | JL Collins | 069    https://www.youtube.com/watch?v=m-iKa32_xI8&t=27s   F-You Money Part 1 & 2 | JL Collins | 023 & 024   https://www.youtube.com/watch?v=00lWfkBTJ6g&t=29s   If you enjoyed this episode, please follow the show on your podcast player and leave us a rating or review. If you want to watch, be sure to subscribe to our YouTube Channel. This helps others find the show and keeps us creating great content for you!   ⚠️Disclaimer: Our content is for general education and information purposes only. We are not providing financial, legal, or tax advice. Always do your own research or consult a professional before making important decisions.

If you're within ten years of retirement (early or traditional age) or just want to get a head start on going from being a saver to a spender, this episode is for you. Decumulation without drama—that's the mission as retirement pros Dana Anspach (Sensible Money) and Fritz Gilbert (The Retirement Manifesto) join the show to turn "build-your-own paycheck" into a repeatable process. Dana lays out why drawdown is a hundred small decisions, not one big leap; and Fritz brings in the field notes. Together they demystify: Tax Pitfalls Timing Social Security Asset Allocation and Location Why Most Retirees Underspend The big takeaway: document the plan, automate the paycheck, and give yourself permission to enjoy the "go-go" years—because money's job is to fund a life, not gather dust.    📩 Sign up for our newsletter (NEW!) 🌐 Visit Catching Up to FI website  🔗Connect with us ☕ Like what you hear on Catching Up to FI? Support the show at "Buy Me a Coffee"  🎙️We love hearing from you! Record a Voice Message with your feedback or question Record a Voice Message with your feedback or question   ===DEALS & DISCOUNTS FROM OUR TRUSTED PARTNERS=== 📈 Boldin (formerly NewRetirement): Retirement planning software that's like having a financial advisor at your fingertips. You can get started with the free version or choose the premium option (PlannerPlus) and get a 14-day free trial.   👉🏼 Be sure to use this link to get started:  Go.boldin.com/catchingup For a full list of current deals and discounts from our partners, sponsors and affiliates, click here: catchinguptofi.com/our-partners   RESOURCES MENTIONED ON THE SHOW: (As an Amazon Associate, I earn from qualifying purchases.) Charity: Freedom for Fido 🌐The Retirement Manifesto 📘 Keys to a Successful Retirement 🌐 Sensible Money Sensible Money YouTube  📕 Control Your Retirement Destiny 📗 Social Security Sense 📄 Dana's breakdown of OBBBA 📄 Retirement Red Zone: Rethinking Your Investment Strategy   ⏰ 'Catching Up to FI' Episodes Hard & Soft Sides of Retirement | Fritz Gilbert | 019   If you enjoyed this episode, please follow the show on your podcast player and leave us a rating or review. If you want to watch, be sure to subscribe to our YouTube Channel. This helps others find the show and keeps us creating great content for you!   ⚠️Disclaimer: Our content is for general education and information purposes only. We are not providing financial, legal, or tax advice. Always do your own research or consult a professional before making important decisions.

Carl Richards is one of the leading voices when it comes to money and emotions. For over a decade, he was the creator of the Sketch Guy column in The New York Times, where his hand-drawn sketches made financial complexity surprisingly simple—and deeply emotional. He joins us to ask the question that instantly ties our brain in knots: 'What is money, really?' From there, he discusses: Why we unknowingly organize life around money and work Why 'enough' is a way of being (not a number) How we keep handing money jobs it can't do—like self-worth, love, and happiness Come for the doodles; leave with a gentler, saner way to align your calendar, your checkbook, and your life.   📩 Sign up for our newsletter (NEW!) 🌐 Visit Catching Up to FI website  🔗Connect with us ☕ Like what you hear on Catching Up to FI? Support the show at "Buy Me a Coffee"  🎙️We love hearing from you! Record a Voice Message with your feedback or question Record a Voice Message with your feedback or question   ===DEALS & DISCOUNTS FROM OUR TRUSTED PARTNERS=== 🆕Big changes with student loans in the new budget bill that just passed. Get help from the experts at Student Loan Planner, all CFP®, CFA and CSLP® professionals. They charge a one-time fee for their thorough review. Our listeners receive $100 off a 1:1 consult using the link below. Flat fee is normally $595, but after your $100 off 'Catching Up to FI' discount, it's $495. 👉🏼 Be sure to use this link: studentloanplanner.com/catchingup    For a full list of current deals and discounts from our partners, sponsors and affiliates, click here: catchinguptofi.com/our-partners   RESOURCES MENTIONED ON THE SHOW: (As an Amazon Associate, I earn from qualifying purchases.) 🌐 BehaviorGap.com 📗 Your Money: Reimagining Wealth in Simple Sketches 📕 The Behavior Gap 📘 The One-Page Financial Plan 50 Fires Podcast    ⏰ 'Catching Up to FI' Episodes Enoughness: Your Life or Your Money | Vicki Robin | 95 Doña Quixote, Life Energy, and The Coming of Aging | Vicki Robin | 94   If you enjoyed this episode, please follow the show on your podcast player and leave us a rating or review. If you want to watch, be sure to subscribe to our YouTube Channel. This helps others find the show and keeps us creating great content for you!   ⚠️Disclaimer: Our content is for general education and information purposes only. We are not providing financial, legal, or tax advice. Always do your own research or consult a professional before making important decisions.

We are welcoming back the man behind the most debated number in retirement, Bill Bengen- this time with a special appearance from his lovely wife, Barbara. We take a brief detour to hear their love story and how they met, before getting into his new book, 'A Richer Retirement: Supercharging the 4% Rule to Spend More and Enjoy More'. He joins us in this episode to: Break down the primary goals of the book  Help you understand what's required to create and manage a successful personal retirement withdrawal plan Step us through all the tools required to make your money last your entire lifetime   📩 Sign up for our newsletter (NEW!) 🌐 Visit Catching Up to FI website  🔗Connect with us ☕ Like what you hear on Catching Up to FI? Support the show at "Buy Me a Coffee"  🎙️We love hearing from you! Record a Voice Message with your feedback or question Record a Voice Message with your feedback or question   ===DEALS & DISCOUNTS FROM OUR TRUSTED PARTNERS=== 🆕Big changes with student loans in the new budget bill that just passed. Get help from the experts at Student Loan Planner, all CFP®, CFA and CSLP® professionals. They charge a one-time fee for their thorough review. Our listeners receive $100 off a 1:1 consult using the link below. Flat fee is normally $595, but after your $100 off 'Catching Up to FI' discount, it's $495. 👉🏼 Be sure to use this link: studentloanplanner.com/catchingup    For a full list of current deals and discounts from our partners, sponsors and affiliates, click here: catchinguptofi.com/our-partners   RESOURCES MENTIONED ON THE SHOW: (As an Amazon Associate, I earn from qualifying purchases.) 🌐 Bill Bengen 📘A Richer Retirement Charts and Tables from 'A Richer Retirement'   ⏰ 'Catching Up to FI' Episodes Mr 4% is now Mr 5% | Bill Bengen | 111   If you enjoyed this episode, please follow the show on your podcast player and leave us a rating or review. If you want to watch, be sure to subscribe to our YouTube Channel. This helps others find the show and keeps us creating great content for you!   ⚠️Disclaimer: Our content is for general education and information purposes only. We are not providing financial, legal, or tax advice. Always do your own research or consult a professional before making important decisions.

The average financial planner is about 56 years old, but 25-year-old Emma Von Weise got a running start learning about money as a teenager and is now one of the youngest CFP professionals in the US. She shares how she became money savvy so early and what influences impacted her the most. She isn't here to judge the rest of us who started late, but to help us make up for lost time—with humor, heart, and practical advice that meets you exactly where you are. In this episode, we discuss: Emma's money story and early financial literacy The spark that led to a career in financial planning at such a young age Why she is an old soul that just loves working with retirees Modern day Continuing-Care Retirement Communities   📩 Sign up for our newsletter (NEW!) 🌐 Visit Catching Up to FI website  🔗Connect with us ☕ Like what you hear on Catching Up to FI? Support the show at "Buy Me a Coffee"  🎙️We love hearing from you! Record a Voice Message with your feedback or question Record a Voice Message with your feedback or question   ===DEALS & DISCOUNTS FROM OUR TRUSTED PARTNERS=== 🆕Big changes with student loans in the new budget bill that just passed. Get help from the experts at Student Loan Planner, all CFP®, CFA and CSLP® professionals. They charge a one-time fee for their thorough review. Our listeners receive $100 off a 1:1 consult using the link below. Flat fee is normally $595, but after your $100 off 'Catching Up to FI' discount, it's $495. 👉🏼 Be sure to use this link: studentloanplanner.com/catchingup    For a full list of current deals and discounts from our partners, sponsors and affiliates, click here: catchinguptofi.com/our-partners   RESOURCES MENTIONED ON THE SHOW: (As an Amazon Associate, I earn from qualifying purchases.) Charity: 3rd Decade 🌐 Focus Partners Wealth     If you enjoyed this episode, please follow the show on your podcast player and leave us a rating or review. If you want to watch, be sure to subscribe to our YouTube Channel. This helps others find the show and keeps us creating great content for you!   ⚠️Disclaimer: Our content is for general education and information purposes only. We are not providing financial, legal, or tax advice. Always do your own research or consult a professional before making important decisions.

Darrow Kirkpatrick retired from a 29-year career in civil and software engineering in April 2011 at the age of 50 and started the blog 'Can I Retire Yet' that same year. The Blog was one of the first in the FIRE (Financial Independence, Retire Early) space and focuses on the personal finance needs of anyone who is thinking about retirement or early retirement. He joins us for a deeply human masterclass on retiring, drawing down without drama, and pursuing hard goals the slow, sane way. In this episode, Darrow shares with us: The origins of his blog 'Can I Retire Yet?' How a nervous breakdown derailed his career His six-year, section-by-section completion of the Colorado Trail on forearm crutches The inspiration behind his new book 'Two Sticks One Path'   📩 Sign up for our newsletter (NEW!) 🌐 Visit Catching Up to FI website  🔗Connect with us ☕ Like what you hear on Catching Up to FI? Support the show at "Buy Me a Coffee"  🎙️We love hearing from you! Record a Voice Message with your feedback or question Record a Voice Message with your feedback or question   RESOURCES MENTIONED ON THE SHOW: (As an Amazon Associate, I earn from qualifying purchases.) Charities: National Alliance on Mental Illness The Colorado Trail   🌐 Can I Retire Yet? 🌐Trail Memoir 📗 Two Sticks, One Path 📘 Can I Retire Yet? 📕 Retiring Sooner Critique circle (Online Writing Workshop) Lessons Learned from Writing a Book Pralana- Personal Financial Modeling   ⏰ 'Catching Up to FI' Episodes The Powers of Starting Late, Retirement Calculators, and More | Chris Mamula | 086 Sustainable FIlosophy with Mr. Money Mustache | Pete Adeney | 073   ===DEALS & DISCOUNTS FROM OUR TRUSTED PARTNERS=== 📈 Boldin (formerly NewRetirement): Retirement planning software that's like having a financial advisor at your fingertips. You can get started with the free version or choose the premium option (PlannerPlus) and get a 14-day free trial.   👉🏼 Be sure to use this link to get started:  Go.boldin.com/catchingup   Personal Finance Club: Use code CUTOFI to get $30 OFF any course or PFC investing course only   Nectarine: Advice-Only and Flat-Fee Hourly Fiduciary Financial Advisors (Catching Up to FI will be compensated by Nectarine if you use our affiliate link, which creates an incentive and conflict of interest. We are not current clients or employees of Nectarine.)   For a full list of current deals and discounts from our partners, sponsors and affiliates, click here: catchinguptofi.com/our-partners     If you enjoyed this episode, please follow the show on your podcast player and leave us a rating or review. If you want to watch, be sure to subscribe to our YouTube Channel. This helps others find the show and keeps us creating great content for you!   ⚠️Disclaimer: Our content is for general education and information purposes only. We are not providing financial, legal, or tax advice. Always do your own research or consult a professional before making important decisions.

In this crossover episode, Jackie joins the 'Wicked Pissah Podcast', brought to you by the Financial Planning Association (FPA) of New England. She trades in the Sunday sweatshirt for her CFP® blazer but still stays true to openly sharing her fascinating money story and spreading financial literacy. They discuss: The story behind her $2-bill savings habit The divorce-day gut punch that pushed her from $20k to FI Why she is so passionate about the 'Catching Up to FI' platform and late starters How she demystifies FIRE for financial professionals  How she tackled the big skeptic questions about retiring early   📩 Sign up for our newsletter (NEW!) 🌐 Visit Catching Up to FI website  🔗Connect with us ☕ Like what you hear on Catching Up to FI? Support the show at "Buy Me a Coffee"  🎙️We love hearing from you! Record a Voice Message with your feedback or question Record a Voice Message with your feedback or question   RESOURCES MENTIONED ON THE SHOW: (As an Amazon Associate, I earn from qualifying purchases.) 🌐Jackie's website FInomenalWoman.com  📕F.I.R.E. For Dummies 📘Money Letters 2 My Daughter  📈Jackie's Investment Club through BetterInvesting.org 🎙️Wicked Pissah Podcast https://wickedpissahpodcast.libsyn.com/about Jonathan Clements Getting Going on Savings Initiative  https://boglecenter.net/gettinggoing   ⏰ 'Catching Up to FI' Episodes From Poverty to Wealth and Early Retirement | Jackie Cummings Koski | 007   ===DEALS & DISCOUNTS FROM OUR TRUSTED PARTNERS=== 📈 Boldin (formerly NewRetirement): Retirement planning software that's like having a financial advisor at your fingertips. You can get started with the free version or choose the premium option (PlannerPlus) and get a 14-day free trial.   👉🏼 Be sure to use this link to get started:  Go.boldin.com/catchingup   Personal Finance Club: Use code CUTOFI to get $30 OFF any course or PFC investing course only   Nectarine: Advice-Only and Flat-Fee Hourly Fiduciary Financial Advisors (Catching Up to FI will be compensated by Nectarine if you use our affiliate link, which creates an incentive and conflict of interest. We are not current clients or employees of Nectarine.)   For a full list of current deals and discounts from our partners, sponsors and affiliates, click here: catchinguptofi.com/our-partners     If you enjoyed this episode, please follow the show on your podcast player and leave us a rating or review. If you want to watch, be sure to subscribe to our YouTube Channel. This helps others find the show and keeps us creating great content for you!   ⚠️Disclaimer: Our content is for general education and information purposes only. We are not providing financial, legal, or tax advice. Always do your own research or consult a professional before making important decisions.

Ruth Henderson is the creator of 'The Happy Saver,' a beloved New Zealand blog and podcast that brings personal finance down to earth. She transitioned from part-time work to full-time content creation, sharing her journey toward early retirement with honesty, humor, and heart. In this episode we swap notes with her on the financial independence journey of Americans vs. Kiwis (New Zealanders). She also shares with us: Her late starter journey to FI What inspired her to create 'The Happy Saver' to help everyday Kiwis reach FI A breakdown of New Zealand's surprisingly simple ecosystem including universal healthcare and pension How KiwiSaver operates similarly to US employer-sponsored retirement plans   📩 Sign up for our newsletter (NEW!) 🌐 Visit Catching Up to FI website  🔗Connect with us ☕ Like what you hear on Catching Up to FI? Support the show at "Buy Me a Coffee"  🎙️We love hearing from you! Record a Voice Message with your feedback or question Record a Voice Message with your feedback or question   ===DEALS & DISCOUNTS FROM OUR TRUSTED PARTNERS=== 🆕Big changes with student loans in the new budget bill that just passed. Get help from the experts at Student Loan Planner, all CFP®, CFA and CSLP® professionals. They charge a one-time fee for their thorough review. Our listeners receive $100 off a 1:1 consult using the link below. Flat fee is normally $595, but after your $100 off 'Catching Up to FI' discount, it's $495. 👉🏼 Be sure to use this link: studentloanplanner.com/catchingup    For a full list of current deals and discounts from our partners, sponsors and affiliates, click here: catchinguptofi.com/our-partners   RESOURCES MENTIONED ON THE SHOW: (As an Amazon Associate, I earn from qualifying purchases.)   🌐The Happy Saver  The Happy Saver Podcast Rebel Finance School Sorted Sorted Smart Investor    If you enjoyed this episode, please follow the show on your podcast player and leave us a rating or review. If you want to watch, be sure to subscribe to our YouTube Channel. This helps others find the show and keeps us creating great content for you!   ⚠️Disclaimer: Our content is for general education and information purposes only. We are not providing financial, legal, or tax advice. Always do your own research or consult a professional before making important decisions.

Azul Terronez went from being an unknown schoolteacher to a Wall Street Journal and USA Today bestselling author. He is co-founder and lead coach at "Authors Who Lead," a platform dedicated to empowering authors to share their stories. He turns our conversation with him into a courage clinic for would-be storytellers, late starters, and anyone who suspects their "zone of genius" is dying to be unleashed. He gives us the reframe that authorship isn't about words so much as the message beneath them.    ===    PLUTUS AWARDS: ONLY ONE WEEK LEFT TO VOTE   === We need your vote for the 2025 Plutus Awards! You can now vote for your hosts behind "Catching Up to FI" - Bill Yount & Jackie Cummings Koski.  The deadline to vote is August 30th, 2025. Winners will be announced in October.   ✅ WHAT IS THE PLUTUS AWARDS? The Plutus Awards recognize excellence in independent financial content. That's the best podcasts, books, video channels, blogs, and more.     ✅ VOTE  If you've gotten value from our content and think we are worthy of recognition,  please support by casting your votes here > >>  https://plutus.awardsplatform.com/. There's a short registration needed to vote and you'll be in and out in just a few minutes.    ✅ CATEGORIES Below are the categories we have been nominated for and we'd love your vote in each of them.  Catching Up to FI Best New Personal Finance Content Creator - Audio Content Creator of the Year: Audio People's Choice: Audio Best Financial Advisor Content/Jackie Cummings Koski, CFP Plutus Storyteller Award Best Traditional Retirement Content Best Personal Finance Content for Underserved Communities Best Personal Finance Content for Women   Other categories  Best New Personal Finance Content Creator - Written (F.I.R.E. for Dummies) Best New Personal Finance Book (F.I.R.E. for Dummies) Plutus Resilience Award (Jackie Cummings Koski) Best Financial Independence or Retire Early Content (F.I.R.E. for Dummies)   📩 Sign up for our newsletter (NEW!) 🌐 Visit Catching Up to FI website  🔗Connect with us ☕ Like what you hear on Catching Up to FI? Support the show at "Buy Me a Coffee"  🎙️We love hearing from you! Record a Voice Message with your feedback or question Record a Voice Message with your feedback or question   === DEALS & DISCOUNTS FROM OUR TRUSTED PARTNERS === 🆕Big changes with student loans in the new budget bill that just passed. Get help from the experts at Student Loan Planner, all CFP®, CFA and CSLP® professionals. They charge a one-time fee for their thorough review. Our listeners receive $100 off a 1:1 consult using the link below. Flat fee is normally $595, but after your $100 off 'Catching Up to FI' discount, it's $495. 👉🏼 Be sure to use this link: studentloanplanner.com/catchingup    For a full list of current deals and discounts from our partners, sponsors and affiliates, click here: catchinguptofi.com/our-partners   RESOURCES MENTIONED ON THE SHOW: (As an Amazon Associate, I earn from qualifying purchases.) Charity: Grey Bears 🌐Authors Who Lead Authors Who Lead podcast 📗 The Art of Apprenticeship: How to Hack Your Way into Any Industry, Land a Kick-Ass Mentor, and Make A Killing Doing What You Love Born to Write, Scared to Start: A secret podcast for the ones who whisper, "I think I'm supposed to write a book."  Why I Coached My Son to Drop Out of University and Maybe You Should, Too  TEDx Talk: What makes a good teacher great? EconoMe Conference Talk   If you enjoyed this episode, please follow the show on your podcast player and leave us a rating or review. If you want to watch, be sure to subscribe to our YouTube Channel. This helps others find the show and keeps us creating great content for you!     ⚠️Disclaimer: Our content is for general education and information purposes only. We are not providing financial, legal, or tax advice. Always do your own research or consult a professional before making important decisions.

J.C. and Bev Webber's late-starter journey is proof that resilience + innovation can outrun even a Great Financial Crisis. J.C. gives us his real numbers and how he sprinted from a net worth of ~$120k (age 51) to $1.5M (age 57)—only to see it crash to ~$864k in early 2009. But that didn't derail their plans because he and his wife Bev still retired early and hit the road in their RV. You could say they reached FIRE (Financial Independence, Retire Early) before it was hot! In this episode they walk us through all the twists and turns, giving us the excruciating details that you rarely hear about, including: J.C.'s brother-in-law bailing him out of credit-card debt by loaning him money J.C.'s military service and using the GI Bill hack college Ditching dead-end jobs for higher paying tech careers and eventually retiring from Apple Weathering multiple divorces and proving that it doesn't have to ruin your finances The unshakeable confidence in their human capital  Plans to live out their later years in Mexico   ===    VOTE FOR US: PLUTUS AWARDS  === We need your vote for the 2025 Plutus Awards! You can now vote for your hosts behind "Catching Up to FI" - Bill Yount & Jackie Cummings Koski.   ✅ WHAT IS THE PLUTUS AWARDS? The Plutus Awards recognize excellence in independent financial content. That's the best podcasts, books, video channels, blogs, and more.     ✅ VOTE  If you've gotten value from our content and think we are worthy of recognition,  please support by casting your votes here > >>  https://plutus.awardsplatform.com/. There's a short registration needed to vote and you'll be in and out in just a few minutes.    ✅ DEADLINE The deadline to vote is August 30th, 2025. Winners will be announced in October.   ✅ CATEGORIES Below are the categories we have been nominated for and we'd love your vote in each of them.  Catching Up to FI Best New Personal Finance Content Creator - Audio Content Creator of the Year: Audio People's Choice: Audio Best Financial Advisor Content/Jackie Cummings Koski, CFP Plutus Storyteller Award Best Traditional Retirement Content Best Personal Finance Content for Underserved Communities Best Personal Finance Content for Women   Other categories  Best New Personal Finance Content Creator - Written (F.I.R.E. for Dummies) Best New Personal Finance Book (F.I.R.E. for Dummies) Plutus Resilience Award (Jackie Cummings Koski) Best Financial Independence or Retire Early Content (F.I.R.E. for Dummies)   🌐 Visit Catching Up to FI website  🔗Connect with us ☕ Like what you hear on Catching Up to FI? Support the show at "Buy Me a Coffee"  🎙️We love hearing from you! Record a Voice Message with your feedback or question Record a Voice Message with your feedback or question   ===DEALS & DISCOUNTS FROM OUR TRUSTED PARTNERS=== 📈 Boldin (formerly NewRetirement): Retirement planning software that's like having a financial advisor at your fingertips. You can get started with the free version or choose the premium option (PlannerPlus) and get a 14-day free trial.   👉🏼 Be sure to use this link to get started:  Go.boldin.com/catchingup   Personal Finance Club: Use code CUTOFI to get $30 OFF any investing course   Nectarine: Advice-Only and Flat-Fee Hourly Fiduciary Financial Advisors (Catching Up to FI will be compensated by Nectarine if you use our affiliate link, which creates an incentive and conflict of interest. We are not current clients or employees of Nectarine.)     For a full list of current deals and discounts from our partners, sponsors and affiliates, click here: catchinguptofi.com/our-partners   RESOURCES MENTIONED ON THE SHOW:  🌐 J.C. and Bev's Trip Journal Images of J.C.'s Spreadsheets and numbers YNAB (You Need A Budget)   If you enjoyed this episode, please follow the show on your podcast player and leave us a rating or review. If you want to watch, be sure to subscribe to our YouTube Channel. This helps others find the show and keeps us creating great content for you!   ⚠️Disclaimer: Our content is for general education and information purposes only. We are not providing financial, legal, or tax advice. Always do your own research or consult a professional before making important decisions.

In this midweek episode, Bill and Jackie join the 'The Visible Voices' podcast, hosted by Dr. Resa E Lewiss. We highlight the voice of late starters and discuss: The huge gap that 'Catching Up to FI' is filling and what we mean by the 'silent majority' How shock, regret, and money-trauma can become fuel Unique advantages you may have when beginning your financial independence journey later in life Why micro-steps (Kaizen-style) beat grand gestures every time   ===    VOTE FOR US: PLUTUS AWARDS  === We need your vote for the 2025 Plutus Awards! You can now vote for your hosts behind "Catching Up to FI" - Bill Yount & Jackie Cummings Koski.   ✅ WHAT IS THE PLUTUS AWARDS? The Plutus Awards recognize excellence in independent financial content. That's the best podcasts, books, video channels, blogs, and more.     ✅ VOTE  If you've gotten value from our content and think we are worthy of recognition,  please support by casting your votes here > >>  https://plutus.awardsplatform.com/. There's a short registration needed to vote and you'll be in and out in just a few minutes.    ✅ DEADLINE The deadline to vote is August 30th, 2025. Winners will be announced in October.   ✅ CATEGORIES Below are the categories we have been nominated for and we'd love your vote in each of them.  Catching Up to FI Best New Personal Finance Content Creator - Audio Content Creator of the Year: Audio People's Choice: Audio Best Financial Advisor Content/Jackie Cummings Koski, CFP Plutus Storyteller Award Best Traditional Retirement Content Best Personal Finance Content for Underserved Communities Best Personal Finance Content for Women   Other categories  Best New Personal Finance Content Creator - Written (F.I.R.E. for Dummies) Best New Personal Finance Book (F.I.R.E. for Dummies) Plutus Resilience Award (Jackie Cummings Koski) Best Financial Independence or Retire Early Content (F.I.R.E. for Dummies)   🌐 Visit Catching Up to FI website  🔗Connect with us ☕ Like what you hear on Catching Up to FI? Support the show at "Buy Me a Coffee"  🎙️We love hearing from you! Record a Voice Message with your feedback or question Record a Voice Message with your feedback or question   ===DEALS & DISCOUNTS FROM OUR TRUSTED PARTNERS=== 🆕Big changes with student loans in the new budget bill that just passed. Get help from the experts at Student Loan Planner, all CFP®, CFA and CSLP® professionals. They charge a one-time fee for their thorough review. Our listeners receive $100 off a 1:1 consult using the link below. Flat fee is normally $595, but after your $100 off 'Catching Up to FI' discount, it's $495. 👉🏼 Be sure to use this link: studentloanplanner.com/catchingup    For a full list of current deals and discounts from our partners, sponsors and affiliates, click here: catchinguptofi.com/our-partners   RESOURCES MENTIONED ON THE SHOW: (As an Amazon Associate, I earn from qualifying purchases.) Charity:  🌐 'This Visible Voices' Podcast Bill and Jackie's Episode on 'The Visible Voices' Podcast 📗 Micro Skills If you enjoyed this episode, please follow the show on your podcast player and leave us a rating or review. If you want to watch, be sure to subscribe to our YouTube Channel. This helps others find the show and keeps us creating great content for you!   ⚠️Disclaimer: Our content is for general education and information purposes only. We are not providing financial, legal, or tax advice. Always do your own research or consult a professional before making important decisions.

We ❤️ Case Studies! Nurse practitioner and mom of three, Lisa, opens up and shares what's in her wallet, and her heart. In this episode we dive into her fascinating late-starter story and financials. She was also this year's brave Case Study at the EconoMe conference and revealed all her numbers in front of a live audience to get crowd-sourced feedback in real time. What transpired afterwards was powerful- she quit her day job and handed in her clinical badge to enjoy a sabbatical she had been longing for! With a little help from some Boldin financial modeling and a Nectarine hourly planner, she made the leap and takes us through exactly how she did it.    ===    VOTE FOR US: PLUTUS AWARDS  === We need your vote for the 2025 Plutus Awards! You can now vote for your hosts behind "Catching Up to FI" - Bill Yount & Jackie Cummings Koski.   ✅ WHAT IS THE PLUTUS AWARDS? The Plutus Awards recognize excellence in independent financial content. That's the best podcasts, books, video channels, blogs, and more.     ✅ VOTE  If you've gotten value from our content and think we are worthy of recognition,  please support by casting your votes here > >>  https://plutus.awardsplatform.com/. There's a short registration needed to vote and you'll be in and out in just a few minutes.    ✅ DEADLINE The deadline to vote is August 30th, 2025. Winners will be announced in October.   ✅ CATEGORIES Below are the categories we have been nominated for and we'd love your vote in each of them.  Catching Up to FI Best New Personal Finance Content Creator - Audio Content Creator of the Year: Audio People's Choice: Audio Best Financial Advisor Content/Jackie Cummings Koski, CFP Plutus Storyteller Award Best Traditional Retirement Content Best Personal Finance Content for Underserved Communities Best Personal Finance Content for Women   Other categories  Best New Personal Finance Content Creator - Written (F.I.R.E. for Dummies) Best New Personal Finance Book (F.I.R.E. for Dummies) Plutus Resilience Award (Jackie Cummings Koski) Best Financial Independence or Retire Early Content (F.I.R.E. for Dummies)   🌐 Visit Catching Up to FI website  🔗Connect with us ☕ Like what you hear on Catching Up to FI? Support the show at "Buy Me a Coffee"  🎙️We love hearing from you! Record a Voice Message with your feedback or question Record a Voice Message with your feedback or question   ===DEALS & DISCOUNTS FROM OUR TRUSTED PARTNERS=== 📈 Boldin (formerly NewRetirement): Retirement planning software that's like having a financial advisor at your fingertips. You can get started with the free version or choose the premium option (PlannerPlus) and get a 14-day free trial.   👉🏼 Be sure to use this link to get started:  Go.boldin.com/catchingup   Personal Finance Club: Use code CUTOFI to get $30 OFF any investing course   Nectarine: Advice-Only and Flat-Fee Hourly Fiduciary Financial Advisors (Catching Up to FI will be compensated by Nectarine if you use our affiliate link, which creates an incentive and conflict of interest. We are not current clients or employees of Nectarine.)   For a full list of current deals and discounts from our partners, sponsors and affiliates, click here: catchinguptofi.com/our-partners   RESOURCES MENTIONED ON THE SHOW: Charity: Adelante Latina 🌐 Lisa's Blog ⏬ Catching Up to FI version of Case Study Template (Download and save a copy) The Advisor Lisa used at Nectarine (John O'Callaghan, CFP®). Book your own session using this Nectarine Affilate Link: https://hellonectarine.com/r/cutfi Fioneers 'Coast With Confidence' Course  https://thefioneers.com/coast-with-confidence-waitlist    ⏰ 'Catching Up to FI' Episodes Mini Retirements, Sabbaticals, Career Breaks- Yes Please! | Jillian Johnsrud | 153 The Godfather of FI Talks Fatherhood | JL Collins | 149 Vote Your Money: Values Aligned Investing | Janine Firpo | 139 $1M Debt!: "One Dollar at a Time" | Naseema McElroy | 014   If you enjoyed this episode, please follow the show on your podcast player and leave us a rating or review. If you want to watch, be sure to subscribe to our YouTube Channel. This helps others find the show and keeps us creating great content for you!   ⚠️Disclaimer: Our content is for general education and information purposes only. We are not providing financial, legal, or tax advice. Always do your own research or consult a professional before making important decisions.

Morningstar's Christine Benz and investing-history legend Dr. William Bernstein announces the Jonathan Clements "Getting Going on Savings" Initiative. In 2024, Jonathan was diagnosed with a terminal illness and decided to use the proceeds from a final book to kick-start a new program that will directly help fund Roth IRAs for young adults (especially from low-income households) to the tune of $1,000 each. The John C. Bogle Center for Financial Literacy, a 501(c)(3) non-profit, is assisting with the project and 'Catching Up to FI' is proud to spread the word by replaying this conversation that originally aired on the 'Bogleheads on Investing' podcast (5/27/25).   ===    VOTE FOR US: PLUTUS AWARDS  === We need your vote for the 2025 Plutus Awards! You can now vote for your hosts behind "Catching Up to FI" - Bill Yount & Jackie Cummings Koski.   ✅ WHAT IS THE PLUTUS AWARDS? The Plutus Awards recognize excellence in independent financial content. That's the best podcasts, books, video channels, blogs, and more.     ✅ VOTE  If you've gotten value from our content and think we are worthy of recognition,  please support by casting your votes here > >>  https://plutus.awardsplatform.com/. There's a short registration needed to vote and you'll be in and out in just a few minutes.    ✅ DEADLINE The deadline to vote is August 30th, 2025. Winners will be announced in October.   ✅ CATEGORIES Below are the categories we have been nominated for and we'd love your vote in each of them.  Catching Up to FI Best New Personal Finance Content Creator - Audio Content Creator of the Year: Audio People's Choice: Audio Best Financial Advisor Content/Jackie Cummings Koski, CFP Plutus Storyteller Award Best Traditional Retirement Content Best Personal Finance Content for Underserved Communities Best Personal Finance Content for Women   Other categories  Best New Personal Finance Content Creator - Written (F.I.R.E. for Dummies) Best New Personal Finance Book (F.I.R.E. for Dummies) Plutus Resilience Award (Jackie Cummings Koski) Best Financial Independence or Retire Early Content (F.I.R.E. for Dummies)   🌐 Visit Catching Up to FI website  🔗Connect with us ☕ Like what you hear on Catching Up to FI? Support the show at "Buy Me a Coffee"  🎙️We love hearing from you! Record a Voice Message with your feedback or question Record a Voice Message with your feedback or question   ===DEALS & DISCOUNTS FROM OUR TRUSTED PARTNERS=== 🆕Big changes with student loans in the new budget bill that just passed. Get help from the experts at Student Loan Planner, all CFP®, CFA and CSLP® professionals. They charge a one-time fee for their thorough review. Our listeners receive $100 off a 1:1 consult using the link below. Flat fee is normally $595, but after your $100 off 'Catching Up to FI' discount, it's $495. 👉🏼 Be sure to use this link: studentloanplanner.com/catchingup    For a full list of current deals and discounts from our partners, sponsors and affiliates, click here: catchinguptofi.com/our-partners   RESOURCES MENTIONED ON THE SHOW: (As an Amazon Associate, I earn from qualifying purchases.) Charity: Jonathan Clements Getting Going on Savings Initiative  📘The Best of Jonathan Clements: Timeless Advice for a Financial Life Well Lived 🌐William Bernstein 🌐Christine Benz 🎙️Bogleheads on Investing- Episode 82   ⏰ 'Catching Up to FI' Episodes How to Bake a Cake: An Asset Allocation Mashup | Rick Ferri & Paul Merriman | 134 Retirement Remix: Crafting Financial Futures with Purpose | Christine Benz | 117  How to Think About Time: A Humble Legacy | Jonathan Clements | 081   If you enjoyed this episode, please follow the show on your podcast player and leave us a rating or review. If you want to watch, be sure to subscribe to our YouTube Channel. This helps others find the show and keeps us creating great content for you!   ⚠️Disclaimer: Our content is for general education and information purposes only. We are not providing financial, legal, or tax advice. Always do your own research or consult a professional before making important decisions.

Nick Maggiulli is the data-driven creator of the blog 'Of Dollars And Data', Chief Operating Officer at Ritholtz Wealth, and author of the newly released book 'The Wealth Ladder'. He joins us on the show to break down his six-level wealth ladder and openly shares some of his steps and missteps as he moved up on his own wealth-building journey. In this episode, we discuss these financial insights he shared in the book: Six Wealth Levels ( 0.01 % Daily-Growth Spending Rule Grocery / Restaurant / Travel Freedom progression Cookie-cutter asset allocation across ALL accounts Health-span extension as a late-starter strategy   ===    VOTE FOR US: PLUTUS AWARDS  === We need your vote for the 2025 Plutus Awards! You can now vote for your hosts behind "Catching Up to FI" - Bill Yount & Jackie Cummings Koski.   ✅ WHAT IS THE PLUTUS AWARDS? The Plutus Awards recognize excellence in independent financial content. That's the best podcasts, books, video channels, blogs, and more.     ✅ VOTE  If you've gotten value from our content and think we are worthy of recognition,  please support by casting your votes here > >>  https://plutus.awardsplatform.com/. There's a short registration needed to vote and you'll be in and out in just a few minutes.    ✅ DEADLINE The deadline to vote is August 30th, 2025. Winners will be announced in October.   ✅ CATEGORIES Below are the categories we have been nominated for and we'd love your vote in each of them.  Catching Up to FI Best New Personal Finance Content Creator - Audio Content Creator of the Year: Audio People's Choice: Audio Best Financial Advisor Content/Jackie Cummings Koski, CFP Plutus Storyteller Award Best Traditional Retirement Content Best Personal Finance Content for Underserved Communities Best Personal Finance Content for Women   Other categories  Best New Personal Finance Content Creator - Written (F.I.R.E. for Dummies) Best New Personal Finance Book (F.I.R.E. for Dummies) Plutus Resilience Award (Jackie Cummings Koski) Best Financial Independence or Retire Early Content (F.I.R.E. for Dummies)   🌐 Visit Catching Up to FI website  🔗Connect with us ☕ Like what you hear on Catching Up to FI? Support the show at "Buy Me a Coffee"  🎙️We love hearing from you! Record a Voice Message with your feedback or question Record a Voice Message with your feedback or question   ===DEALS & DISCOUNTS FROM OUR TRUSTED PARTNERS=== 🆕Big changes with student loans in the new budget bill that just passed. Get help from the experts at Student Loan Planner, all CFP®, CFA and CSLP® professionals. They charge a one-time fee for their thorough review. Our listeners receive $100 off a 1:1 consult using the link below. Flat fee is normally $595, but after your $100 off 'Catching Up to FI' discount, it's $495. 👉🏼 Be sure to use this link: studentloanplanner.com/catchingup    For a full list of current deals and discounts from our partners, sponsors and affiliates, click here: catchinguptofi.com/our-partners   RESOURCES MENTIONED ON THE SHOW: (As an Amazon Associate, I earn from qualifying purchases.) Charity: Malaria Consortium 🌐 Of Dollars and Data  📗 The Wealth Ladder 📘 Just Keep Buying Survey of Consumer Finances  The Panel Study of Income Dynamics   Saving is For the Poor, Investing is For the Rich   ⏰ 'Catching Up to FI' Episodes How to Bake a Cake: An Asset Allocation Mashup | Rick Ferri & Paul Merriman | 134 How to Think About Time: A Humble Legacy | Jonathan Clements | 081 How a Second Grader Beats Wall Street | Allan Roth | 033   If you enjoyed this episode, please follow the show on your podcast player and leave us a rating or review. If you want to watch, be sure to subscribe to our YouTube Channel. This helps others find the show and keeps us creating great content for you!   ⚠️Disclaimer: Our content is for general education and information purposes only. We are not providing financial, legal, or tax advice. Always do your own research or consult a professional before making important decisions.

Bill hops onto Jesse Cramer's 'Personal Finance for Long-Term Investors' (formally The Best Interest) podcast. Along with some of our favorite content creators, he shares his crazy spending screw ups-- and the life lessons that followed. Stories from:  Bill Yount (Catching Up to FI) Jesse Cramer (Personal Finance For Long-Term Investors) Diania Merriam (EconoMe Conference & Optimal Finance Daily)  Justin Peters (FI Minded, formally The Struggle is Real) Jordan (Doc G) Grumet (Earn & Invest) Joe Saul-Sehy (Stacking Benjamins) Jeremy Schneider (Personal Finance Club)    ===    VOTE FOR US: PLUTUS AWARDS  === We need your vote for the 2025 Plutus Awards! You can now vote for your hosts behind "Catching Up to FI" - Bill Yount & Jackie Cummings Koski.   ✅ WHAT IS THE PLUTUS AWARDS? The Plutus Awards recognize excellence in independent financial content. That's the best podcasts, books, video channels, blogs, and more.     ✅ VOTE  If you've gotten value from our content and think we are worthy of recognition,  please support by casting your votes here > >>  https://plutus.awardsplatform.com/. There's a short registration needed to vote and you'll be in and out in just a few minutes.    ✅ DEADLINE The deadline to vote is August 30th, 2025. Winners will be announced in October.   ✅ CATEGORIES Below are the categories we have been nominated for and we'd love your vote in each of them.  Catching Up to FI Best New Personal Finance Content Creator - Audio Content Creator of the Year: Audio People's Choice: Audio Best Financial Advisor Content/Jackie Cummings Koski, CFP Plutus Storyteller Award Best Traditional Retirement Content Best Personal Finance Content for Underserved Communities Best Personal Finance Content for Women   Other categories  Best New Personal Finance Content Creator - Written (F.I.R.E. for Dummies) Best New Personal Finance Book (F.I.R.E. for Dummies) Plutus Resilience Award (Jackie Cummings Koski) Best Financial Independence or Retire Early Content (F.I.R.E. for Dummies)     🌐 Visit Catching Up to FI website  🔗Connect with us ☕ Like what you hear on Catching Up to FI? Support the show at "Buy Me a Coffee"  🎙️We love hearing from you! Record a Voice Message with your feedback or question Record a Voice Message with your feedback or question   ===DEALS & DISCOUNTS FROM OUR TRUSTED PARTNERS=== 🆕Big changes with student loans in the new budget bill that just passed. Get help from the experts at Student Loan Planner, all CFP®, CFA and CSLP® professionals. They charge a one-time fee for their thorough review. Our listeners receive $100 off a 1:1 consult using the link below. Flat fee is normally $595, but after your $100 off 'Catching Up to FI' discount, it's $495. 👉🏼 Be sure to use this link: studentloanplanner.com/catchingup    For a full list of current deals and discounts from our partners, sponsors and affiliates, click here: catchinguptofi.com/our-partners     RESOURCES MENTIONED ON THE SHOW: (As an Amazon Associate, I earn from qualifying purchases.) Bill Yount (Catching Up to FI) Jesse Cramer (Personal Finance For Long-Term Investors)  Diania Merriam (EconoMe Conference & Optimal Finance Daily) Justin Peters (FI Minded, formally The Struggle is Real)  Jordan (Doc G) Grumet (Earn & Invest)  https://jordangrumet.com/ Joe Saul-Sehy (Stacking Benjamins)  Jeremy Schneider (Personal Finance Club)    If you enjoyed this episode, please follow the show on your podcast player and leave us a rating or review. If you want to watch, be sure to subscribe to our YouTube Channel. This helps others find the show and keeps us creating great content for you!   ⚠️Disclaimer: Our content is for general education and information purposes only. We are not providing financial, legal, or tax advice. Always do your own research or consult a professional before making important decisions.

Bogleheads favorite Jon Luskin, CFP® drops in for part 2 of his masterclass on embracing simplicity. He specializes in providing hourly advice to do-it-yourself investors and is a long-time advocate of simple, low-cost investing. In this second part he shares with us:   Simple Investor Policy Statement (IPS) All-in-One Funds: target date and balanced/life-strategy funds as "default simple" solutions  Disability, life, and (if appropriate) long-term care insurance    This is the second part of a 2 part episode. Click here to listen to part 1.   ===    VOTE FOR US: PLUTUS AWARDS  === We need your vote for the 2025 Plutus Awards! You can now vote for your hosts behind "Catching Up to FI" - Bill Yount & Jackie Cummings Koski.   ✅ WHAT IS THE PLUTUS AWARDS? The Plutus Awards recognize excellence in independent financial content. That's the best podcasts, books, video channels, blogs, and more.     ✅ VOTE  If you've gotten value from our content and think we are worthy of recognition,  please support by casting your votes here > >>  https://plutus.awardsplatform.com/. There's a short registration needed to vote and you'll be in and out in just a few minutes.    ✅ DEADLINE The deadline to vote is August 30th, 2025. Winners will be announced in October.   ✅ CATEGORIES Below are the categories we have been nominated for and we'd love your vote in each of them.  Catching Up to FI Best New Personal Finance Content Creator - Audio Content Creator of the Year: Audio People's Choice: Audio Best Financial Advisor Content/Jackie Cummings Koski, CFP Plutus Storyteller Award Best Traditional Retirement Content Best Personal Finance Content for Underserved Communities Best Personal Finance Content for Women   Other categories  Best New Personal Finance Content Creator - Written (F.I.R.E. for Dummies) Best New Personal Finance Book (F.I.R.E. for Dummies) Plutus Resilience Award (Jackie Cummings Koski) Best Financial Independence or Retire Early Content (F.I.R.E. for Dummies)     📩 Sign up for our newsletter  NEW! 🌐 Visit Catching Up to FI website  🔗Connect with us ☕ Like what you hear on Catching Up to FI? Support the show at "Buy Me a Coffee"  🎙️We love hearing from you! Record a Voice Message with your feedback or question Record a Voice Message with your feedback or question   DEALS & DISCOUNTS FROM OUR TRUSTED PARTNERS For a full list of current deals and discounts from our partners, sponsors and affiliates, click here: catchinguptofi.com/our-partners   RESOURCES MENTIONED ON THE SHOW: (As an Amazon Associate, I earn from qualifying purchases.) Charity: Jonathan Clements Getting Going on Savings Initiative 📘 The Best of Jonathan Clements: Timeless Advice for a Financial Life Well Lived   🌐Jon's Website Jon's Sample Financial Reviews Jon' Thesis paper:  Measuring the Value Added by Alternative Assets within the Investment Pools of Non-profit Organization Bogleheads Live- Episode 39: Disability Insurance Kitces Article: Why Tax-Loss Harvesting During Down Markets Isn't Always A Good Idea Bogleheads on Investing Podcast Bogleheads Investment Policy Statement The John C. Bogle Center for Financial Literacy  2025 Bogleheads Conference (Oct 17-19, San Antonio) ⏰ 'Catching Up to FI' Episodes referenced Retirement Remix: Crafting Financial Futures with Purpose | Christine Benz | 117 Tactical Tips and Tripwires: The DIY Financial Planner's Guide | Cody Garrett | 112 How to Think About Money | Jonathan Clements | 040 How a Second Grader Beats Wall Street | Allan Roth | 033   If you enjoyed this episode, please follow the show on your podcast player and leave us a rating or review. If you want to watch, be sure to subscribe to our YouTube Channel. This helps others find the show and keeps us creating great content for you!   ⚠️Disclaimer: Our content is for general education and information purposes only. We are not providing financial, legal, or tax advice. Always do your own research or consult a professional before making important decisions.

Bogleheads favorite Jon Luskin, CFP® drops in for a masterclass on keeping money moves "so dull they sparkle." He specializes in providing hourly advice to do-it-yourself investors and is a long-time advocate of simple, low-cost investing. In this episode he shares with us: Why every late-starter's to-do list should begin with an emergency fund and Social Security game plan before touching their asset mix How low fees—not "sexy" alts—make numbers grow His soup-to-nuts review (including insurance gaps, estate docs and Investor Policy Statement) How simplicity wins This is the first part of a 2 part episode. Click here to listen to part 2.   ===    VOTE FOR US: PLUTUS AWARDS  === We need your vote for the 2025 Plutus Awards! You can now vote for your hosts behind "Catching Up to FI" - Bill Yount & Jackie Cummings Koski.   ✅ WHAT IS THE PLUTUS AWARDS? The Plutus Awards recognize excellence in independent financial content. That's the best podcasts, books, video channels, blogs, and more.     ✅ VOTE  If you've gotten value from our content and think we are worthy of recognition,  please support by casting your votes here > >>  https://plutus.awardsplatform.com/. There's a short registration needed to vote and you'll be in and out in just a few minutes.    ✅ DEADLINE The deadline to vote is August 30th, 2025. Winners will be announced in October.   ✅ CATEGORIES Below are the categories we have been nominated for and we'd love your vote in each of them.  Catching Up to FI Best New Personal Finance Content Creator - Audio Content Creator of the Year: Audio People's Choice: Audio Best Financial Advisor Content/Jackie Cummings Koski, CFP Plutus Storyteller Award Best Traditional Retirement Content Best Personal Finance Content for Underserved Communities Best Personal Finance Content for Women   Other categories  Best New Personal Finance Content Creator - Written (F.I.R.E. for Dummies) Best New Personal Finance Book (F.I.R.E. for Dummies) Plutus Resilience Award (Jackie Cummings Koski) Best Financial Independence or Retire Early Content (F.I.R.E. for Dummies)   📩 Sign up for our newsletter  NEW! 🌐 Visit Catching Up to FI website  🔗Connect with us ☕ Like what you hear on Catching Up to FI? Support the show at "Buy Me a Coffee"  🎙️We love hearing from you! Record a Voice Message with your feedback or question Record a Voice Message with your feedback or question   DEALS & DISCOUNTS FROM OUR TRUSTED PARTNERS For a full list of current deals and discounts from our partners, sponsors and affiliates, click here: catchinguptofi.com/our-partners   RESOURCES MENTIONED ON THE SHOW: (As an Amazon Associate, I earn from qualifying purchases.) Charity: Jonathan Clements Getting Going on Savings Initiative 📘 The Best of Jonathan Clements: Timeless Advice for a Financial Life Well Lived 🌐Jon's Website Jon's Sample Financial Reviews Jon' Thesis paper:  Measuring the Value Added by Alternative Assets within the Investment Pools of Non-profit Organization Bogleheads Live- Episode 39: Disability Insurance Kitces Article: Why Tax-Loss Harvesting During Down Markets Isn't Always A Good Idea Bogleheads on Investing Podcast Bogleheads Investment Policy Statement The John C. Bogle Center for Financial Literacy  2025 Bogleheads Conference (Oct 17-19, San Antonio) ⏰ 'Catching Up to FI' Episodes referenced Retirement Remix: Crafting Financial Futures with Purpose | Christine Benz | 117 Tactical Tips and Tripwires: The DIY Financial Planner's Guide | Cody Garrett | 112 How to Think About Money | Jonathan Clements | 040 How a Second Grader Beats Wall Street | Allan Roth | 033   If you enjoyed this episode, please follow the show on your podcast player and leave us a rating or review. If you want to watch, be sure to subscribe to our YouTube Channel. This helps others find the show and keeps us creating great content for you!     ⚠️Disclaimer: Our content is for general education and information purposes only. We are not providing financial, legal, or tax advice. Always do your own research or consult a professional before making important decisions.

You asked and we answered! In this episode we tackle listener questions with more than just a one-sentence response… we go deeper and give you answers with our thoughtful insights, ideas and considerations important to late starters. These are the questions we cover on today's show:   ✅ Bill's costly mistake with whole-life insurance; what should you do instead? ✅ How does the $19,000 annual gift tax exclusion work? ✅ Do I have too much in cash as I'm approaching retirement? ✅ I'm new to investing and pay someone to manage my 401(k). I also want to start a Roth IRA, is now a good time? ✅ What if you're low income and can barely save, how do you move the needle? ✅ What is the middle class trap?   📩 Sign up for our newsletter  NEW! 🌐 Visit Catching Up to FI website  🔗Connect with us ☕ Like what you hear on Catching Up to FI? Support the show at "Buy Me a Coffee"    🎙️We love hearing from you! Record a Voice Message with your feedback or question Record a Voice Message with your feedback or question   ===DEALS & DISCOUNTS FROM OUR TRUSTED PARTNERS=== 🎓 Student Loan Planner: Get a custom student loan plan from our CFP®, CFA and CSLP® professionals. They charge a one-time fee for their thorough review. Our listeners receive $100 off a 1:1 consult using the link below. Flat fee is normally $595, but after your $100 off 'Catching Up to FI' discount, it's $495. 👉🏼 Be sure to use this link: studentloanplanner.com/catchingup    📈 Boldin (formerly NewRetirement): Retirement planning software that's like having a financial advisor at your fingertips. You can get started with the free version or choose the premium option (PlannerPlus) and get a 14-day free trial.   👉🏼 Be sure to use this link to get started:  Go.boldin.com/catchingup   Personal Finance Club: Use code CUTOFI to get $30 OFF any course or PFC investing course only   Nectarine: Advice-Only and Flat-Fee Hourly Fiduciary Financial Advisors (Catching Up to FI will be compensated by Nectarine if you use our affiliate link, which creates an incentive and conflict of interest. We are not current clients or employees of Nectarine.)   For a full list of current deals and discounts from our partners, sponsors and affiliates, click here: catchinguptofi.com/our-partners   RESOURCES MENTIONED ON THE SHOW: (As an Amazon Associate, I earn from qualifying purchases.) 📕F.I.R.E. For Dummies by Jackie Cummings Koski 📗The Wealth Ladder by Nick Maggiulli Podcast episode with Nick Maggiulli coming July 27th, 2025 Rebel Finance School Portfolio Visualizer   ⏰ 'Catching Up to FI' Episodes referenced A Boat Named YOLO | Bill Yount | 001 From Poverty to Wealth and Early Retirement | Jackie Cummings Koski | 007 SpongeBob and Drawdown Strategies | Frank Vasquez | 044  Life & Taxes | Sean Mullaney | 013 72(t) Expert Tells All: No More Secrets About Early Withdrawals (Part 1) | Bill Stecker | 131 Cashing in on 72(t): The Goldmine of Early Retirement Rules (Part2) | Bill Stecker | 133   If you enjoyed this episode, please follow the show on your podcast player and leave us a rating or review. If you want to watch, be sure to subscribe to our YouTube Channel. This helps others find the show and keeps us creating great content for you!   ⚠️Disclaimer: Our content is for general education and information purposes only. We are not providing financial, legal, or tax advice. Always do your own research or consult a professional before making important decisions.

On this mid-week episode we join the upbeat creators of 'Rebel Finance School', Alan and Katie Donegan, for a turbo-charged pep rally aimed at every late-starter who's ever whispered "it's too late for me." We kicked off the Donegans' free 10-week course that's helping thousands around the world on their journey to FI.     📩 Sign up for our newsletter  NEW! 🌐 Visit Catching Up to FI website  🔗Connect with us ☕ Like what you hear on Catching Up to FI? Support the show at "Buy Me a Coffee"  🎙️We love hearing from you! Record a Voice Message with your feedback or question Record a Voice Message with your feedback or question   ===DEALS & DISCOUNTS FROM OUR TRUSTED PARTNERS=== 🎓 Student Loan Planner: Get a custom student loan plan from our CFP®, CFA and CSLP® professionals. They charge a one-time fee for their thorough review. Our listeners receive $100 off a 1:1 consult using the link below. Flat fee is normally $595, but after your $100 off 'Catching Up to FI' discount, it's $495. 👉🏼 Be sure to use this link: studentloanplanner.com/catchingup    📈 Boldin (formerly NewRetirement): Retirement planning software that's like having a financial advisor at your fingertips. You can get started with the free version or choose the premium option (PlannerPlus) and get a 14-day free trial.   👉🏼 Be sure to use this link to get started:  Go.boldin.com/catchingup   Personal Finance Club: Use code CUTOFI to get $30 OFF any course or PFC investing course only   Nectarine: Advice-Only and Flat-Fee Hourly Fiduciary Financial Advisors (Catching Up to FI will be compensated by Nectarine if you use our affiliate link, which creates an incentive and conflict of interest. We are not current clients or employees of Nectarine.)   For a full list of current deals and discounts from our partners, sponsors and affiliates, click here: catchinguptofi.com/our-partners   RESOURCES MENTIONED ON THE SHOW: (As an Amazon Associate, I earn from qualifying purchases.) 🌐Rebel Finance School 🎶New Album: Money Revolution: The World's First Financial Independence Music Album! 📙New Book: 'The Rebels' Guide to Financial Freedom: Simple Missions to take you from Zero to Money Superhero Rebel Entrepreneur Podcast Rebel Donegans YouTube   ⏰ 'Catching Up to FI' Episodes referenced Not Just Another Album, It's A Money Revolution! | Alan & Katie Donegan | 129 Indiana Jones and an Extraordinary Life with the Donegans | Alan and Katie Donegan | 079     If you enjoyed this episode, please follow the show on your podcast player and leave us a rating or review. If you want to watch, be sure to subscribe to our YouTube Channel. This helps others find the show and keeps us creating great content for you!   ⚠️Disclaimer: Our content is for general education and information purposes only. We are not providing financial, legal, or tax advice. Always do your own research or consult a professional before making important decisions.

Jillian Johnsrud—mini-retirement evangelist, mother of five, and author of 'Retire Often'—returns to show us why pressing pause can be the ultimate career accelerator. In this episode she explains the three hallmarks of a bona-fide mini retirement and the three ways to snag one: 1️⃣ Negotiate a sabbatical 2️⃣ Slot it between jobs 3️⃣ Pounce when life throws an unexpected layoff or family crisis   📩 Sign up for our newsletter  NEW! 🌐 Visit Catching Up to FI website  🔗Connect with us ☕ Like what you hear on Catching Up to FI? Support the show at "Buy Me a Coffee"  🎙️We love hearing from you! Record a Voice Message with your feedback or question Record a Voice Message with your feedback or question   ===DEALS & DISCOUNTS FROM OUR TRUSTED PARTNERS=== 🎓 Student Loan Planner: Get a custom student loan plan from our CFP®, CFA and CSLP® professionals. They charge a one-time fee for their thorough review. Our listeners receive $100 off a 1:1 consult using the link below. Flat fee is normally $595, but after your $100 off 'Catching Up to FI' discount, it's $495. 👉🏼 Be sure to use this link: studentloanplanner.com/catchingup    📈 Boldin (formerly NewRetirement): Retirement planning software that's like having a financial advisor at your fingertips. You can get started with the free version or choose the premium option (PlannerPlus) and get a 14-day free trial.   👉🏼 Be sure to use this link to get started:  Go.boldin.com/catchingup   Personal Finance Club: Use code CUTOFI to get $30 OFF any course or PFC investing course only   Nectarine: Advice-Only and Flat-Fee Hourly Fiduciary Financial Advisors (Catching Up to FI will be compensated by Nectarine if you use our affiliate link, which creates an incentive and conflict of interest. We are not current clients or employees of Nectarine.)   For a full list of current deals and discounts from our partners, sponsors and affiliates, click here: catchinguptofi.com/our-partners   RESOURCES MENTIONED ON THE SHOW: (As an Amazon Associate, I earn from qualifying purchases.) Charity: The Hope Effect 🌐 Retire Often 📘 Retire Often Book 🎙️Retire Often Podcast    Free Opt-In Worksheets: Planning Negotiating Workbook Group Coaching   ⏰ 'Catching Up to FI' Episodes referenced Retire Often | Jillian Johnsrud | 043   If you enjoyed this episode, please follow the show on your podcast player and leave us a rating or review. If you want to watch, be sure to subscribe to our YouTube Channel. This helps others find the show and keeps us creating great content for you!   ⚠️Disclaimer: Our content is for general education and information purposes only. We are not providing financial, legal, or tax advice. Always do your own research or consult a professional before making important decisions.

On this mid-week episode, we're switching it up again. This time Bill joins the 'Finance for Physicians' podcast with host Daniel Wrenne, CFP®. In this vulnerable interview, Bill owns up to every late-starter mistake—credit-card splurges, 'free' advisors, and lifestyle creep after a twin-sized home upgrade. Then he slings real-world antidotes: pause-plan-pivot, backward budgeting, downsizing the McMansion, and letting Social Security's 'inflation-proof annuity' finish the job. Bill's best advice is that physicians should treat money like they treat medicine—learn the language, follow the protocol, and stop ignoring the labs. Now a Financially Independent Physician, we're giving Bill a new name: the (FI)sician!   📩 Sign up for our newsletter  NEW! 🌐 Visit Catching Up to FI website  🔗Connect with us ☕ Like what you hear on Catching Up to FI? Support the show at "Buy Me a Coffee"  🎙️We love hearing from you! Record a Voice Message with your feedback or question Record a Voice Message with your feedback or question   ===DEALS & DISCOUNTS FROM OUR TRUSTED PARTNERS=== 🎓 Student Loan Planner: Get a custom student loan plan from our CFP®, CFA and CSLP® professionals. They charge a one-time fee for their thorough review. Our listeners receive $100 off a 1:1 consult using the link below. Flat fee is normally $595, but after your $100 off 'Catching Up to FI' discount, it's $495. 👉🏼 Be sure to use this link: studentloanplanner.com/catchingup    📈 Boldin (formerly NewRetirement): Retirement planning software that's like having a financial advisor at your fingertips. You can get started with the free version or choose the premium option (PlannerPlus) and get a 14-day free trial.   👉🏼 Be sure to use this link to get started:  Go.boldin.com/catchingup   Personal Finance Club: Use code CUTOFI to get $30 OFF any course or PFC investing course only   Nectarine: Advice-Only and Flat-Fee Hourly Fiduciary Financial Advisors (Catching Up to FI will be compensated by Nectarine if you use our affiliate link, which creates an incentive and conflict of interest. We are not current clients or employees of Nectarine.)   For a full list of current deals and discounts from our partners, sponsors and affiliates, click here: catchinguptofi.com/our-partners   RESOURCES MENTIONED ON THE SHOW: (As an Amazon Associate, I earn from qualifying purchases.)   🌐Finance for Physicians The White Coat Investor  Physician On FIRE Open Social Security   If you enjoyed this episode, please follow the show on your podcast player and leave us a rating or review. If you want to watch, be sure to subscribe to our YouTube Channel. This helps others find the show and keeps us creating great content for you!   ⚠️Disclaimer: Our content is for general education and information purposes only. We are not providing financial, legal, or tax advice. Always do your own research or consult a professional before making important decisions.

In this episode we are joined by Cary Carbonaro, an award-winning author, and Certified Financial Planner™ with over 25 years of experience. Her specialty is empowering women to discover their unique path to financial independence. One thing we love the most about Cary is how radically transparent she is with her clients. Just call her the "Queen of Transparency" because she shares her tax return, investment portfolio and other parts of her financial life with them. In our conversation with her we discuss: The Great Wealth Transfer that she talks about in her latest book, 'Women and Wealth.' The unique needs of women and the psychology driving their financial decisions. The played out "widows and divorcees" stereotypes of women. Her analogy of comparing different shoes to asset classes. What women really want from financial professionals (hint: it's not just beating the market).   📩 Sign up for our newsletter  NEW! 🌐 Visit Catching Up to FI website  🔗Connect with us ☕ Like what you hear on Catching Up to FI? Support the show at "Buy Me a Coffee"  🎙️We love hearing from you! Record a Voice Message with your feedback or question Record a Voice Message with your feedback or question   ===DEALS & DISCOUNTS FROM OUR TRUSTED PARTNERS=== 🎓 Student Loan Planner: Get a custom student loan plan from our CFP®, CFA and CSLP® professionals. They charge a one-time fee for their thorough review. Our listeners receive $100 off a 1:1 consult using the link below. Flat fee is normally $595, but after your $100 off 'Catching Up to FI' discount, it's $495. 👉🏼 Be sure to use this link: studentloanplanner.com/catchingup    📈 Boldin (formerly NewRetirement): Retirement planning software that's like having a financial advisor at your fingertips. You can get started with the free version or choose the premium option (PlannerPlus) and get a 14-day free trial.   👉🏼 Be sure to use this link to get started:  Go.boldin.com/catchingup   Personal Finance Club: Use code CUTOFI to get $30 OFF any course or PFC investing course only   Nectarine: Advice-Only and Flat-Fee Hourly Fiduciary Financial Advisors (Catching Up to FI will be compensated by Nectarine if you use our affiliate link, which creates an incentive and conflict of interest. We are not current clients or employees of Nectarine.)   For a full list of current deals and discounts from our partners, sponsors and affiliates, click here: catchinguptofi.com/our-partners   RESOURCES MENTIONED ON THE SHOW: (As an Amazon Associate, I earn from qualifying purchases.) Charity: Girl Scouts 🌐Cary Carbonaro 📗Women and Wealth: A Playbook to Empower Clients and Unlock Their Fortune 📕The Money Queen's Guide: For Women Who Want to Build Wealth and Banish Fear 📄Stepping Up Your Function and Style with Asset Classes   ⏰ 'Catching Up to FI' Episodes referenced ATM Receipts, Origami, and Unravelling Your Relationship With Money | Shannah Game | 123 The Power of Cash Flow Planning | Sarah-Catherine Gutierrez | 016   If you enjoyed this episode, please follow the show on your podcast player and leave us a rating or review. If you want to watch, be sure to subscribe to our YouTube Channel. This helps others find the show and keeps us creating great content for you!   ⚠️Disclaimer: Our content is for general education and information purposes only. We are not providing financial, legal, or tax advice. Always do your own research or consult a professional before making important decisions.

This mid-week episode is the recording of a session done with the smart women of the WE (Women Empowered) Wealth Collective, titled: What Every Woman Should Know About Minimizing Taxes in Retirement. 'Catching Up to FI' co-host and author of 'F.I.R.E for Dummies', Jackie Cummings Koski, CFP®, AFC®, continues through an easy to follow checklist of tax considerations in retirement. She demo-drives 72(t) and RMD calculators, live-shops the ACA site to score premium tax credits, and shows how Medicare surcharges work.  Topics for the series include: Age-band tax checklist (pre-55, 55-65, 65-75, 75+) Separating "macro" worry (markets, policy) from micro action (what you control) Early withdrawal strategies  (Rule of 55/50, 72(t) / Equal Payments, HSAs, Affordable Care Act/Tax Credits, Brokerage Accounts, ect) Tax Minimizing tips during normal retirement (Social Security, Medicare Surcharge, Increased Standard Deduction, Balancing account types) Later in life considerations (RMDs, Qualified Charitable Distribution, Inheritances, ect)   This is the second part of a two-part series and part 1 aired last Wednesday. This session references visuals from a presentation that is better viewed on youtube or you can follow along using this slide deck.   Disclaimer for this session: The intent of this session is open discussion about money topics that makes us all a little smarter. The content is for general education and information purposes only, and is not providing financial, legal, or tax advice. Always do your own research or consult a professional before making important decisions.   🌐 Visit Catching Up to FI website  🔗Connect with us 📩 Sign up for our newsletter  ☕ Like what you hear on Catching Up to FI? Support the show at "Buy Me a Coffee"  🎙️We love hearing from you! Record a Voice Message with your feedback or question Record a Voice Message with your feedback or question   ===DEALS & DISCOUNTS FROM OUR TRUSTED PARTNERS=== 🎓 Student Loan Planner: Get a custom student loan plan from our CFP®, CFA and CSLP® professionals. They charge a one-time fee for their thorough review. Our listeners receive $100 off a 1:1 consult using the link below. Flat fee is normally $595, but after your $100 off 'Catching Up to FI' discount, it's $495. 👉🏼 Be sure to use this link: studentloanplanner.com/catchingup    📈 Boldin (formerly NewRetirement): Retirement planning software that's like having a financial advisor at your fingertips. You can get started with the free version or choose the premium option (PlannerPlus) and get a 14-day free trial.   👉🏼 Be sure to use this link to get started:  Go.boldin.com/catchingup   Personal Finance Club: Use code CUTOFI to get $30 OFF any course or PFC investing course only   Nectarine: Advice-Only and Flat-Fee Hourly Fiduciary Financial Advisors (Catching Up to FI will be compensated by Nectarine if you use our affiliate link, which creates an incentive and conflict of interest. We are not current clients or employees of Nectarine.)   For a full list of current deals and discounts from our partners, sponsors and affiliates, click here: catchinguptofi.com/our-partners   RESOURCES MENTIONED ON THE SHOW: (As an Amazon Associate, I earn from qualifying purchases.) WE Wealth Collective (Facebook Group) WE Wealth Collective is a group dedicated to empowering women to take control of their finances, cultivate abundance in every aspect of life, and live boldly on their own terms.    🌐JackieCummingsKoski.com 📕F.I.R.E. For Dummies 📘Money Letters 2 My Daughter Jackie's EconoMe Talk Sarah Catherine "SC" Gutierrez Sarah Catherine "SC" Gutierrez talk at EconoMe Official IRS Tax Code & Publications 📗But First, Save 10 Official IRS Tax Code & Publications Healthcare.gov – ACA Enrollment & Subsidy Calculator 72tCalc.com Dinkytown.net   ⏰ 'Catching Up to FI' Episodes Mind Blowing ways to Maximize Your Health Savings Account (HSA) | Jeff York | 98 Maximizing HSAs Part 2: Devising Drawdowns, Badass Scenarios, Listener Questions | Jeff York | 99 https://youtu.be/36S67X4s4pc?si=UzbaPS2qJcO3ri2W 72(t) Expert Tells All: No More Secrets About Early Withdrawals (Part 1) | Bill Stecker | 131 Cashing in on 72(t): The Goldmine of Early Retirement Rules (Part2) | Bill Stecker | 133  Social Security Made Simple | Mike Piper | 054 Life & Taxes | Sean Mullaney | 013 Attorney Spilling all the Legal Tea on Estate Planning | Jenny Rozelle | 121     If you enjoyed this episode, please follow the show on your podcast player and leave us a rating or review. If you want to watch, be sure to subscribe to our YouTube Channel. This helps others find the show and keeps us creating great content for you!   ⚠️Disclaimer: Our content is for general education and information purposes only. We are not providing financial, legal, or tax advice. Always do your own research or consult a professional before making important decisions.

Mention financial independence and one of the first names that come up is JL Collins, author of the bestselling book 'The Simple Path to Wealth'. In fact, he is affectionately known as the Godfather of FI. One million copies and 10 years after its original publication, JL back with a shiny new, revised and expanded edition... and it just hit the New York Times Bestseller list!!! We know you've heard and seen JL all over the place because he is a BIG deal. But we uncovered some intriguing facts about his life and career that isn't often talked about (we're just curious like that). Here are five things you probably didn't know about JL Collins that we discuss in this episode: Before he ever started writing about financial independence, he worked in the magazine publishing industry.  He was a job-hopper throughout his career to make more money and took lots of sabbaticals because he liked working, just not all the time. He started writing his blog to teach is daughter (Jessica) about investing, problem was… she wasn't listening when she was a kid. His daughter (Jessica) is now in her thirties and turns out, she has gained a deep understanding of his teachings (way more than he originally thought). She's now firmly on the path to FI and just left her corporate job. His daughter Jessica was part of his team in updating the new version of 'The Simple to Wealth' and getting to work so closely with her was the most gratifying part for him as a dad.   📩 Sign up for our newsletter  NEW! 🌐 Visit Catching Up to FI website  🔗Connect with us ☕ Like what you hear on Catching Up to FI? Support the show at "Buy Me a Coffee"  🎙️We love hearing from you! Record a Voice Message with your feedback or question Record a Voice Message with your feedback or question   ===DEALS & DISCOUNTS FROM OUR TRUSTED PARTNERS=== 🎓 Student Loan Planner: Get a custom student loan plan from our CFP®, CFA and CSLP® professionals. They charge a one-time fee for their thorough review. Our listeners receive $100 off a 1:1 consult using the link below. Flat fee is normally $595, but after your $100 off 'Catching Up to FI' discount, it's $495. 👉🏼 Be sure to use this link: studentloanplanner.com/catchingup    📈 Boldin (formerly NewRetirement): Retirement planning software that's like having a financial advisor at your fingertips. You can get started with the free version or choose the premium option (PlannerPlus) and get a 14-day free trial.   👉🏼 Be sure to use this link to get started:  Go.boldin.com/catchingup   Personal Finance Club: Use code CUTOFI to get $30 OFF any course or PFC investing course only   Nectarine: Advice-Only and Flat-Fee Hourly Fiduciary Financial Advisors (Catching Up to FI will be compensated by Nectarine if you use our affiliate link, which creates an incentive and conflict of interest. We are not current clients or employees of Nectarine.)   For a full list of current deals and discounts from our partners, sponsors and affiliates, click here: catchinguptofi.com/our-partners   RESOURCES MENTIONED ON THE SHOW: (As an Amazon Associate, I earn from qualifying purchases.) 🌐JLCollinsnh.com 📗 The Simple Path to Wealth (Revised & Expanded 2025 Edition & NYT Best Seller!) : Your Road Map to Financial Independence and a Rich, Free Life 📕 Pathfinders: Extraordinary Stories of People Like You on the Quest for Financial Independence—and How to Join Them 📘 How I Lost Money in Real Estate Before It Was Fashionable: A Cautionary Tale   ⏰ 'Catching Up to FI' Episodes referenced Pathfinders: Triumphs and Trials on the Road to Financial Independence | JL Collins | 070 Pathfinders: Stories of Success and Financial Independence | JL Collins | 069 F-You Money Part 2 | JL Collins | 024 F-You Money Part 1 | JL Collins | 023 Mr 4% is now Mr 5% | Bill Bengen | 111 Sustainable FIlosophy with Mr. Money Mustache | Pete Adeney | 073   If you enjoyed this episode, please follow the show on your podcast player and leave us a rating or review. If you want to watch, be sure to subscribe to our YouTube Channel. This helps others find the show and keeps us creating great content for you!   ⚠️Disclaimer: Our content is for general education and information purposes only. We are not providing financial, legal, or tax advice. Always do your own research or consult a professional before making important decisions.

Tax talk without the snooze-fest! This mid-week episode is the recording of a session done with the smart women of the WE (Women Empowered) Wealth Collective, titled: What Every Woman Should Know About Minimizing Taxes in Retirement. 'Catching Up to FI' co-host and author of 'F.I.R.E for Dummies' Jackie Cummings Koski, CFP®, AFC®, turns this insightful discussion into a masterclass on trimming Uncle Sam's tab at every phase of retirement. Jackie rewinds to her own FIRE (Financial Independence, Retire Early) journey: the divorce-day "401(k) gap" that lit her savings rocket, supersizing her HSA past $200,000, and hitting FI at 49 with a 40% savings rate. Expect plain-English breakdowns, plenty of 'there are no dumb questions' crowd chat, and Jackie's trademark mix of CFP level and girlfriend realness. Topics for the series include: Age-band tax checklist (pre-55, 55-65, 65-75, 75+) Separating "macro" worry (markets, policy) from micro action (what you control) Early withdrawal strategies  (Rule of 55/50, 72(t) / Equal Payments, HSAs, Affordable Care Act/Tax Credits, Brokerage Accounts, ect) Tax Minimizing tips during normal retirement (Social Security, Medicare Surcharge, Increased Standard Deduction, Balancing account types) Later in life considerations (RMDs, Qualified Charitable Distribution, Inheritances, ect) This is part one of a two-part series and the second part will be aired next Wednesday (6/18/25). This session references visuals from a presentation that is better viewed on youtube or you can follow along using this slide deck.   Disclaimer for this session: The intent of this session is open discussion about money topics that makes us all a little smarter. The content is for general education and information purposes only, and is not providing financial, legal, or tax advice. Always do your own research or consult a professional before making important decisions.     🌐 Visit Catching Up to FI website  🔗Connect with us 📩 Sign up for our newsletter  ☕ Like what you hear on Catching Up to FI? Support the show at "Buy Me a Coffee"  🎙️We love hearing from you! Record a Voice Message with your feedback or question Record a Voice Message with your feedback or question   ===DEALS & DISCOUNTS FROM OUR TRUSTED PARTNERS=== 🎓 Student Loan Planner: Get a custom student loan plan from our CFP®, CFA and CSLP® professionals. They charge a one-time fee for their thorough review. Our listeners receive $100 off a 1:1 consult using the link below. Flat fee is normally $595, but after your $100 off 'Catching Up to FI' discount, it's $495. 👉🏼 Be sure to use this link: studentloanplanner.com/catchingup    📈 Boldin (formerly NewRetirement): Retirement planning software that's like having a financial advisor at your fingertips. You can get started with the free version or choose the premium option (PlannerPlus) and get a 14-day free trial.   👉🏼 Be sure to use this link to get started:  Go.boldin.com/catchingup   Personal Finance Club: Use code CUTOFI to get $30 OFF any course or PFC investing course only   Nectarine: Advice-Only and Flat-Fee Hourly Fiduciary Financial Advisors (Catching Up to FI will be compensated by Nectarine if you use our affiliate link, which creates an incentive and conflict of interest. We are not current clients or employees of Nectarine.)   For a full list of current deals and discounts from our partners, sponsors and affiliates, click here: catchinguptofi.com/our-partners   RESOURCES MENTIONED ON THE SHOW: (As an Amazon Associate, I earn from qualifying purchases.) WE Wealth Collective (Facebook Group) WE Wealth Collective is a group dedicated to empowering women to take control of their finances, cultivate abundance in every aspect of life, and live boldly on their own terms.    🌐JackieCummingsKoski.com 📕F.I.R.E. For Dummies 📘Money Letters 2 My Daughter Jackie's EconoMe Talk Sarah Catherine "SC" Gutierrez Sarah Catherine "SC" Gutierrez talk at EconoMe Official IRS Tax Code & Publications 📗But First, Save 10 Official IRS Tax Code & Publications Healthcare.gov – ACA Enrollment & Subsidy Calculator 72tCalc.com Dinkytown.net ⏰ 'Catching Up to FI' Episodes Mind Blowing ways to Maximize Your Health Savings Account (HSA) | Jeff York | 98 Maximizing HSAs Part 2: Devising Drawdowns, Badass Scenarios, Listener Questions | Jeff York | 99 72(t) Expert Tells All: No More Secrets About Early Withdrawals (Part 1) | Bill Stecker | 131 Cashing in on 72(t): The Goldmine of Early Retirement Rules (Part2) | Bill Stecker | 133  Social Security Made Simple | Mike Piper | 054 Life & Taxes | Sean Mullaney | 013 Attorney Spilling all the Legal Tea on Estate Planning | Jenny Rozelle | 121 If you enjoyed this episode, please follow the show on your podcast player and leave us a rating or review. If you want to watch, be sure to subscribe to our YouTube Channel. This helps others find the show and keeps us creating great content for you!   ⚠️Disclaimer: Our content is for general education and information purposes only. We are not providing financial, legal, or tax advice. Always do your own research or consult a professional before making important decisions.

Wall Street has us all on edge right now, so we called in one of the smartest people we know when it comes to stock market to help us make sense of it all, Sam Stovall. Sam is CFRA's Chief Strategist and a market historian that knows his stuff! He joins us in this episode to discuss: What stock market history tells us about the shaky situation we're in today  What tariffs really have to do with the stock market and economy  The 'rebalance' rule  Mid-term election tailwinds  Where the federal reserve fits into all of this   📩 Sign up for our newsletter  NEW! 🌐 Visit Catching Up to FI website  🔗Connect with us ☕ Like what you hear on Catching Up to FI? Support the show at "Buy Me a Coffee"  🎙️We love hearing from you! Record a Voice Message with your feedback or question Record a Voice Message with your feedback or question   ===DEALS & DISCOUNTS FROM OUR TRUSTED PARTNERS=== 🎓 Student Loan Planner: Get a custom student loan plan from our CFP®, CFA and CSLP® professionals. They charge a one-time fee for their thorough review. Our listeners receive $100 off a 1:1 consult using the link below. Flat fee is normally $595, but after your $100 off 'Catching Up to FI' discount, it's $495. 👉🏼 Be sure to use this link: studentloanplanner.com/catchingup    📈 Boldin (formerly NewRetirement): Retirement planning software that's like having a financial advisor at your fingertips. You can get started with the free version or choose the premium option (PlannerPlus) and get a 14-day free trial.   👉🏼 Be sure to use this link to get started:  Go.boldin.com/catchingup   Personal Finance Club: Use code CUTOFI to get $30 OFF any course or PFC investing course only   Nectarine: Advice-Only and Flat-Fee Hourly Fiduciary Financial Advisors (Catching Up to FI will be compensated by Nectarine if you use our affiliate link, which creates an incentive and conflict of interest. We are not current clients or employees of Nectarine.)   For a full list of current deals and discounts from our partners, sponsors and affiliates, click here: catchinguptofi.com/our-partners   RESOURCES MENTIONED ON THE SHOW: (As an Amazon Associate, I earn from qualifying purchases.) Charity- W!SE (Working in Support of Education) 🌐CFRA Research 📗The Seven Rules of Wall Street 📕Standard & Poor's Sector Investing 📘Stock Trader's Almanac BetterInvesting.org National Bureau of Economic Research   ⏰ 'Catching Up to FI' Episodes referenced Catching Up to FI in Uncertain Times | Bill & Jackie | 138 Bonus Episode: The Market is Crashing, Now What? | Bill & Jackie | 135   If you enjoyed this episode, please follow the show on your podcast player and leave us a rating or review. If you want to watch, be sure to subscribe to our YouTube Channel. This helps others find the show and keeps us creating great content for you!   ⚠️Disclaimer: Our content is for general education and information purposes only. We are not providing financial, legal, or tax advice. Always do your own research or consult a professional before making important decisions.

We just hit 1 Million Podcast Downloads... that puts us in the top 1% of podcasts world wide!!! And we have you to thank 💞 This is a special message from Bill and Jackie to everyone that helped the podcast grow to this level. We are so grateful for the support and looking forward to the next million downloads with our regular Sunday episodes and occasional pop-up episodes on Wednesdays.  🌐 Visit Catching Up to FI website  🔗Connect with us 📩Sign up for our newsletter  ☕ Like what you hear on Catching Up to FI? Support the show at "Buy Me a Coffee"  🎙️We love hearing from you! Record a Voice Message with your feedback or question Record a Voice Message with your feedback or question   ===DEALS & DISCOUNTS FROM OUR TRUSTED PARTNERS=== For a full list of current deals and discounts from our partners, sponsors and affiliates, click here: catchinguptofi.com/our-partners   If you enjoyed this episode, please follow the show on your podcast player and leave us a rating or review. If you want to watch, be sure to subscribe to our YouTube Channel. This helps others find the show and keeps us creating great content for you!   ⚠️Disclaimer: Our content is for general education and information purposes only. We are not providing financial, legal, or tax advice. Always do your own research or consult a professional before making important decisions.

In this episode we are joined by Julien and Kiersten Saunders, co-creators of rich & REGULAR and authors of 'Cashing Out: Win the Wealth Game by Walking Away'. What started as a blog in 2017 has grown into a multimedia powerhouse, all centered around their mission… to inspire better conversations about money. Hear why Julien walked out of corporate life before he had 'FU money,' and how Kiersten's Valentine's Day resignation collided with the pandemic. They also talk to us about:  Their 15-year 'Cashing Out' career sprint The power of 'Money on the Table' (think Anthony Bourdain meets FIRE) The joy of raising an eight-year-old who calls 78-year-olds his besties A reminder that aiming for the heart—rather than the wallet—can turn any late start into a blockbuster finale  📩 Sign up for our newsletter  NEW! 🌐 Visit Catching Up to FI website  🔗Connect with us ☕ Like what you hear on Catching Up to FI? Support the show at "Buy Me a Coffee"  🎙️We love hearing from you! Record a Voice Message with your feedback or question Record a Voice Message with your feedback or question   ===DEALS & DISCOUNTS FROM OUR TRUSTED PARTNERS=== 🎓 Student Loan Planner: Get a custom student loan plan from our CFP®, CFA and CSLP® professionals. They charge a one-time fee for their thorough review. Our listeners receive $100 off a 1:1 consult using the link below. Flat fee is normally $595, but after your $100 off 'Catching Up to FI' discount, it's $495. 👉🏼 Be sure to use this link: studentloanplanner.com/catchingup    📈 Boldin (formerly NewRetirement): Retirement planning software that's like having a financial advisor at your fingertips. You can get started with the free version or choose the premium option (PlannerPlus) and get a 14-day free trial.   👉🏼 Be sure to use this link to get started:  Go.boldin.com/catchingup   Personal Finance Club: Use code CUTOFI to get $30 OFF any course or PFC investing course only   Nectarine: Advice-Only and Flat-Fee Hourly Fiduciary Financial Advisors (Catching Up to FI will be compensated by Nectarine if you use our affiliate link, which creates an incentive and conflict of interest. We are not current clients or employees of Nectarine.)   For a full list of current deals and discounts from our partners, sponsors and affiliates, click here: catchinguptofi.com/our-partners   RESOURCES MENTIONED ON THE SHOW: (As an Amazon Associate, I earn from qualifying purchases.) Charity- Umi Feeds 🌐rich & REGULAR Blog 📗Cashing Out: Win the Wealth Game by Walking Away rich & REGULAR YouTube  rich & REGULAR YouTube Episode 199: The late starters guide to investing after 40 rich & REGULAR: Taste the Impact | The Money Behind Every Meal Julien's talk at EconoMe Conference  MarketWatch FIRE Starters video profiling rich & REGULAR Invest for Better   ⏰ 'Catching Up to FI' Episodes referenced Vote Your Money: Values Aligned Investing | Janine Firpo | 139 Mom and Dad, We Need to Talk | Cameron Huddleston | 048   If you enjoyed this episode, please follow the show on your podcast player and leave us a rating or review. If you want to watch, be sure to subscribe to our YouTube Channel. This helps others find the show and keeps us creating great content for you!   ⚠️Disclaimer: Our content is for general education and information purposes only. We are not providing financial, legal, or tax advice. Always do your own research or consult a professional before making important decisions.

Childhood crushes can bloom into full-blown FI fairy tales, and Paul and Amanda Mollenkopf are living proof. They join us to tell their story and showcase the world premiere of Paul's first book, 'Once Upon a FI.' What started out as letters to his daughter grew into a delightful collection of short stories inspired by timeless classics and fables. The book is a refreshing approach to spreading the message of financial independence to even the youngest readers. The clever analogies using classic tales inspire valuable generational conversations around money and include: The Tortoise and the Hare: A Race to Financial Independence The Odd Duckling: Finding the Like-Minded Jack and the Beanstalk: Magic Cards that Sprout Growing Debt The Boy Who Cried Wealth: A Lesson in Stealth Wealth The Three Little Pigs: Getting a Straw, Sticks or Bricks Mortgage Chicken Little: The Market is Falling A Spending Carol: The Spirits of Spending Past, Present and Future Oh, The Places You'll Go: The Things that You'll Do, with FI Community standing by You   🌐 Visit Catching Up to FI website  🔗Connect with us 📩Sign up for the newsletter  ☕ Like what you hear on Catching Up to FI? Support the show at "Buy Me a Coffee"  🎙️We love hearing from you! Record a Voice Message with your feedback or question Record a Voice Message with your feedback or question   ===DEALS & DISCOUNTS FROM OUR TRUSTED PARTNERS=== 🎓 Student Loan Planner: Get a custom student loan plan from our CFP®, CFA and CSLP® professionals. They charge a one-time fee for their thorough review. Our listeners receive $100 off a 1:1 consult using the link below. Flat fee is normally $595, but after your $100 off 'Catching Up to FI' discount, it's $495. 👉🏼 Be sure to use this link: studentloanplanner.com/catchingup    📈 Boldin (formerly NewRetirement): Retirement planning software that's like having a financial advisor at your fingertips. You can get started with the free version or choose the premium option (PlannerPlus) and get a 14-day free trial.   👉🏼 Be sure to use this link to get started:  Go.boldin.com/catchingup   Personal Finance Club: Use code CUTOFI to get $30 OFF any course or PFC investing course only   Nectarine: Advice-Only and Flat-Fee Hourly Fiduciary Financial Advisors (Catching Up to FI will be compensated by Nectarine if you use our affiliate link, which creates an incentive and conflict of interest. We are not current clients or employees of Nectarine.)   For a full list of current deals and discounts from our partners, sponsors and affiliates, click here: catchinguptofi.com/our-partners   RESOURCES MENTIONED ON THE SHOW: (As an Amazon Associate, I earn from qualifying purchases.) 🌐Once Upon a FI 📗Once Upon a FI Charity- Freedom for FIDO 📕The Simple Path to Wealth 📘Your Money or Your Life Go Curry Cracker Mr. Money Mustache JL Collins The Retirement Manifesto 1500 Days to Freedom Afford Anything CampFI   ⏰ 'Catching Up to FI' Episodes Enoughness: Your Life or Your Money | Vicki Robin | 95 Doña Quixote, Life Energy, and The Coming of Aging | Vicki Robin | 94 Sustainable FIlosophy with Mr. Money Mustache | Pete Adeney | 073 From Tech Stocks to Toilet Brushes: The Jensens' FI Journey | Mindy and Carl Jensen | 071 Pathfinders: Triumphs and Trials on the Road to Financial Independence | JL Collins | 070 Pathfinders: Stories of Success and Financial Independence | JL Collins | 069 Scamalot! | Paula Pant | 066 Stories, Hacks, & Tribes | Brad Barrett | 021 Hard & Soft Sides of Retirement | Fritz Gilbert | 019   If you enjoyed this episode, please follow the show on your podcast player and leave us a rating or review. If you want to watch, be sure to subscribe to our YouTube Channel. This helps others find the show and keeps us creating great content for you!   ⚠️Disclaimer: Our content is for general education and information purposes only. We are not providing financial, legal, or tax advice. Always do your own research or consult a professional before making important decisions.

Aussie paramedic-turned-life-coach Tasch Rogers joins us to unpack the head-on crash that shattered her body, her finances—and ultimately her limiting beliefs. After a 30-year career as a first responder, she had to leave it all behind and start over. She became intimately familiar with the effects of trauma and PTSD, having personally navigated through her own healing journey. Now as a life coach with expertise in holistic modalities and various other disciplines, she helps others using a warm, compassionate, and non-judgmental approach.  ***Trigger Warning: This episode includes discussions of mental health issues such as PTSD and suicide. These topics may be difficult for some listeners. If you need support, please consider reaching out to a trusted friend, professional, or crisis resource. Take care of yourself and listen at your own pace.   🌐 Visit Catching Up to FI website  🔗Connect with us ☕ Like what you hear on Catching Up to FI? Support the show at "Buy Me a Coffee"  🎙️We love hearing from you! Record a Voice Message with your feedback or question Record a Voice Message with your feedback or question   ===DEALS & DISCOUNTS FROM OUR TRUSTED PARTNERS=== 🎓 Student Loan Planner: Get a custom student loan plan from our CFP®, CFA and CSLP® professionals. They charge a one-time fee for their thorough review. Our listeners receive $100 off a 1:1 consult using the link below. Flat fee is normally $595, but after your $100 off 'Catching Up to FI' discount, it's $495. 👉🏼 Be sure to use this link: studentloanplanner.com/catchingup    📈 Boldin (formerly NewRetirement): Retirement planning software that's like having a financial advisor at your fingertips. You can get started with the free version or choose the premium option (PlannerPlus) and get a 14-day free trial.   👉🏼 Be sure to use this link to get started:  Go.boldin.com/catchingup   Personal Finance Club: Use code CUTOFI to get $30 OFF any course or PFC investing course only   Nectarine: Advice-Only and Flat-Fee Hourly Fiduciary Financial Advisors (Catching Up to FI will be compensated by Nectarine if you use our affiliate link, which creates an incentive and conflict of interest. We are not current clients or employees of Nectarine.)   For a full list of current deals and discounts from our partners, sponsors and affiliates, click here: catchinguptofi.com/our-partners   RESOURCES MENTIONED ON THE SHOW: (As an Amazon Associate, I earn from qualifying purchases.) 🌐Tasch's Transformational Teachings Charity: Kids with Cancer Foundation (Australia) Real Talk Finance (Amy Coroso) The Happy Saver (New Zealand) EconoMe Conference FI Freedom Retreat   ⏰ 'Catching Up to FI' Episodes The Father of Financial Life Planning (Part 1) | George Kinder | 140 The Three Kinder Questions (Part 2) | George Kinder | 141  Avocado Toast & Guardians of the Galaxy | Amy Coroso | 018 Thunder Down Under | Late Starter Fire | 004   If you enjoyed this episode, please follow the show on your podcast player and leave us a rating or review. If you want to watch, be sure to subscribe to our YouTube Channel. This helps others find the show and keeps us creating great content for you!   ⚠️Disclaimer: Our content is for general education and information purposes only. We are not providing financial, legal, or tax advice. Always do your own research or consult a professional before making important decisions.

Bill hops onto Jesse Cramer's 'Personal Finance for Long-Term Investors' (formally The Best Interest) podcast to spread the message that it's never too late to start. In this episode he shares: The messy, shame-to-FI journey that inspired Catching Up to FI His three-step "Pause-Plan-Pivot" playbook His trademark mix of candor, nerdy humor, and high-five optimism   🌐 Visit Catching Up to FI website  🔗Connect with us ☕ Like what you hear on Catching Up to FI? Support the show at "Buy Me a Coffee"  🎙️We love hearing from you! Record a Voice Message with your feedback or question Record a Voice Message with your feedback or question   ===DEALS & DISCOUNTS FROM OUR TRUSTED PARTNERS=== 🎓 Student Loan Planner: Get a custom student loan plan from our CFP®, CFA and CSLP® professionals. They charge a one-time fee for their thorough review. Our listeners receive $100 off a 1:1 consult using the link below. Flat fee is normally $595, but after your $100 off 'Catching Up to FI' discount, it's $495. 👉🏼 Be sure to use this link: studentloanplanner.com/catchingup    📈 Boldin (formerly NewRetirement): Retirement planning software that's like having a financial advisor at your fingertips. You can get started with the free version or choose the premium option (PlannerPlus) and get a 14-day free trial.   👉🏼 Be sure to use this link to get started:  Go.boldin.com/catchingup   Personal Finance Club: Use code CUTOFI to get $30 OFF any course or PFC investing course only   Nectarine: Advice-Only and Flat-Fee Hourly Fiduciary Financial Advisors (Catching Up to FI will be compensated by Nectarine if you use our affiliate link, which creates an incentive and conflict of interest. We are not current clients or employees of Nectarine.)   For a full list of current deals and discounts from our partners, sponsors and affiliates, click here: catchinguptofi.com/our-partners   RESOURCES MENTIONED ON THE SHOW: (As an Amazon Associate, I earn from qualifying purchases.) 🌐 Personal Finance For Long-Term Investors with Jesse Cramer   ⏰ 'Catching Up to FI' Episodes Pathfinders: Stories of Success and Financial Independence | JL Collins | 069 Pathfinders: Triumphs and Trials on the Road to Financial Independence | JL Collins | 070 F-You Money Part 1 | JL Collins | 023 F-You Money Part 2 | JL Collins | 024   If you enjoyed this episode, please follow the show on your podcast player and leave us a rating or review. If you want to watch, be sure to subscribe to our YouTube Channel. This helps others find the show and keeps us creating great content for you!   ⚠️Disclaimer: Our content is for general education and information purposes only. We are not providing financial, legal, or tax advice. Always do your own research or consult a professional before making important decisions.

George Kinder is the pioneering mind behind Life Planning and founder of the Kinder Institute. He joins us for the second half of our enlightening conversation about the essence of financial freedom from last week. George is best known as the Father of Life Planning and creator of The Three Kinder Questions that probe deeper into our hopes, dreams, and fears. This episode brings you: The real meaning behind the Kinder Questions A little live therapy session with Bill & Jackie as they share thier answers to the Kinder Questions The EVOKE life‑planning process (Exploration – Vision – Obstacles – Knowledge – Execution) The Three Domains of Freedom: the freedom of each moment, the freedom to live one's life purpose, and the freedom of civilization 'The Freedom Song' — written and performed by George Kinder & his daughter London Kinder  Be sure to go back and listen to last week's episode 140 to catch the first part of our conversation with George Kinder.   🌐 Visit Catching Up to FI website  🔗Connect with us ☕ Like what you hear on Catching Up to FI? Support the show at "Buy Me a Coffee"  🎙️We love hearing from you! Record a Voice Message with your feedback or question Record a Voice Message with your feedback or question   ===DEALS & DISCOUNTS FROM OUR TRUSTED PARTNERS=== 🎓 Student Loan Planner  Get a custom student loan plan from our CFP®, CFA and CSLP® professionals. They charge a one-time fee for their thorough review. Our listeners receive $100 off a 1:1 consult using the link below. Flat fee is normally $595, but after your $100 off 'Catching Up to FI' discount, it's $495. 👉🏼 Be sure to use this link: studentloanplanner.com/catchingup   For a full list of current deals and discounts from our partners, sponsors and affiliates, click here: catchinguptofi.com/our-partners   RESOURCES MENTIONED ON THE SHOW: (As an Amazon Associate, I earn from qualifying purchases.) 🌐George Kinder website Freedom Song || London and George Kinder Kinder Institute of Life Planning Youtube The Three Questions presented by George Kinder Fiduciary In All Things (FIAT) A Golden Civilization Find a Life Planner Do your own life plan NAPFA (National Association of Personal Financial Advisors) 📗 The Three Domains of Freedom  📕 A Golden Civilization and The Map of Mindfulness 📚 The Seven Stages of Money Maturity 📗 Life Planning for You: How to Design & Deliver the Life of Your Dreams 📕Lighting the Torch   ⏰ 'Catching Up to FI' Episodes The Father of Financial Life Planning (Part 1) | George Kinder | 140 Vote Your Money: Values Aligned Investing | Janine Firpo | 139   If you enjoyed this episode, please follow the show on your podcast player and leave us a rating or review. If you want to watch, be sure to subscribe to our YouTube Channel. This helps others find the show and keeps us creating great content for you!   ⚠️Disclaimer: Our content is for general education and information purposes only. We are not providing financial, legal, or tax advice. Always do your own research or consult a professional before making important decisions.

In part one of this enlightening two-part series, we are joined by George Kinder, founder of the Kinder Institute. He's best known as the Father of Life Planning and creator of The Three Kinder Questions that probe deeper into our hopes, dreams, and fears. In this episode we discuss: The essence of financial maturity The profound practice of living in the present moment to achieve true freedom The power of envisioning meaningful goals and the practical steps to integrate them into your financial planning Tips to embark on your own hero's journey towards financial and personal fulfillment   🌐 Visit Catching Up to FI website  🔗Connect with us ☕ Like what you hear on Catching Up to FI? Support the show at "Buy Me a Coffee"  🎙️We love hearing from you! Record a Voice Message with your feedback or question Record a Voice Message with your feedback or question   ===DEALS & DISCOUNTS FROM OUR TRUSTED PARTNERS=== MyBudgetCoach A zero-based budgeting app that allows you to connect your banks, categorize your transactions, and work with a certified budget coach at your own pace. Receive 10% off subscription costs by entering code: Catchingup Boston Institute of Finance CFP® level curriculum for those that don't need course credit, but want to gain useful knowledge for personal development. Special pricing for self-paced and instructor lead 'Personal Growth Track' course or package. Receive 5% off by entering code: Catchingup  For a full list of current deals and discounts from our partners, sponsors and affiliates, click here: catchinguptofi.com/our-partners   RESOURCES MENTIONED ON THE SHOW: (As an Amazon Associate, I earn from qualifying purchases.) 🌐George Kinder website   Kinder Institute of Life Planning Youtube   The Three Questions presented by George Kinder   Freedom Song || London and George Kinder   Fiduciary In All Things (FIAT)   A Golden Civilization   Find a Life Planner   Do your own life plan   NAPFA (National Association of Personal Financial Advisors)   📗 The Three Domains of Freedom    📕 A Golden Civilization and The Map of Mindfulness   📚 The Seven Stages of Money Maturity   📗 Life Planning for You: How to Design & Deliver the Life of Your Dreams   📕Lighting the Torch   If you enjoyed this episode, please follow the show on your podcast player and leave us a rating or review. If you want to watch, be sure to subscribe to our YouTube Channel. This helps others find the show and keeps us creating great content for you!   ⚠️Disclaimer: Our content is for general education and information purposes only. We are not providing financial, legal, or tax advice. Always do your own research or consult a professional before making important decisions.

Today on the show we welcome Janine Firpo, an accomplished speaker, author, and social entrepreneur, dedicated to empowering women through values-aligned investing. She has a relentless drive to make a difference and poured it all into her book, 'Activate Your Money: Invest to Grow Your Wealth and Build a Better World'. In this episode, you will learn: How Janine transitioned from a lucrative career in big tech to impact investing The importance of aligning financial goals with social values How to integrate ethical considerations into your investment portfolio Practical steps you can take to manage your finances ethically and effectively   🌐 Visit Catching Up to FI website  🔗Connect with us ☕ Like what you hear on Catching Up to FI? Support the show at "Buy Me a Coffee"  🎙️We love hearing from you! Record a Voice Message with your feedback or question Record a Voice Message with your feedback or question   ===DEALS & DISCOUNTS FROM OUR TRUSTED PARTNERS=== MyBudgetCoach A zero-based budgeting app that allows you to connect your banks, categorize your transactions, and work with a certified budget coach at your own pace. Receive 10% off subscription costs by entering code: Catchingup Boston Institute of Finance CFP® level curriculum for those that don't need course credit, but want to gain useful knowledge for personal development. Special pricing for self-paced and instructor lead 'Personal Growth Track' course or package. Receive 5% off by entering code: Catchingup  For a full list of current deals and discounts from our partners, sponsors and affiliates, click here: catchinguptofi.com/our-partners   RESOURCES MENTIONED ON THE SHOW: (As an Amazon Associate, I earn from qualifying purchases.) 🌐Invest For Better Free membership in Invest for Better Circle experience for Black women 📗Book: Activate Your Money Activate Your Money Janine's Talk at EconoMe 2025 As Your Sow | Invest your values BetterInvesting.org | Educating individual investors and investment clubs Mighty Deposits | Find banking that matches your values Circle experience for Black women 📗Book: Your Money or Your Life 📗Book: The Beardstown Ladies' Common-Sense Investment Guide Lynn Frair EconoMe Talk     ⏰ 'Catching Up to FI' Episodes Doña Quixote, Life Energy, and The Coming of Aging | Vicki Robin | 94 Enoughness: Your Life or Your Money | Vicki Robin | 95 Money for the Rest of Us | David Stein | 041 The pURPOSE Code | Jordan Grumet | 115 Purpose, Identity, & Connection | Jordan Grumet | 022   If you enjoyed this episode, please follow the show on your podcast player and leave us a rating or review. If you want to watch, be sure to subscribe to our YouTube Channel. This helps others find the show and keeps us creating great content for you!   ⚠️Disclaimer: Our content is for general education and information purposes only. We are not providing financial, legal, or tax advice. Always do your own research or consult a professional before making important decisions.

In this episode, Bill & Jackie joined Doc G (Jordan Grumet) on the 'Earn & Invest Podcast' to talk about what it feels like to be a late starter in these uncertain times. Questions about a recession are looming and it's scary, especially for those just waking up and trying to catch up. They discuss the ups and downs and how late starters can still stay on track.   🔗Connect with us ☕ Like what you hear on Catching Up to FI? Support the show at "Buy Me a Coffee"  🎙️We love hearing from you! Record a Voice Message with your feedback or question Record a Voice Message with your feedback or question   ===  DEALS AND DISCOUNTS FROM OUR TRUSTED PARTNERS=== Personal Finance Club: Use code CUTOFI to get $30 OFF any course or PFC investing course only Nectarine: Advice-Only and Flat-Fee Hourly Fiduciary Financial Advisors (Catching Up to FI will be compensated by Nectarine if you use our affiliate link, which creates an incentive and conflict of interest. We are not current clients or employees of Nectarine.) For a full list of current deals and discounts from our partners, sponsors and affiliates, click here: catchinguptofi.com/our-partners   RESOURCES MENTIONED ON THE SHOW: (As an Amazon Associate, I earn from qualifying purchases.) The Earn & Invest Podcast Scott Trench- Bigger Pockets Book- F.I.R.E. For Dummies FI Freedom Retreats   ⏰ 'Catching Up to FI' Episodes Bonus Episode: The Market is Crashing, Now What? | Bill & Jackie | 135 International Educator, Bali FIRE | Amy Minkley | 137 The pURPOSE Code | Jordan Grumet | 115 Purpose, Identity, & Connection | Jordan Grumet | 022 "The Risk Parity Paradox" an Exercise in Simple Complexity? | Frank Vasquez | 124 SpongeBob and Drawdown Strategies | Frank Vasquez | 044     If you enjoyed this episode, please follow the show on your podcast player and leave us a rating or review. If you want to watch, be sure to subscribe to our YouTube Channel. This helps others find the show and keeps us creating great content for you!   ⚠️Disclaimer: Our content is for general education and information purposes only. We are not providing financial, legal, or tax advice. Always do your own research or consult a professional before making important decisions.

Amy Minkley is the founder of FI Freedom Retreats, a passion project that was born out of her love and gratitude for the F.I.R.E. (Financial Independence, Retire Early) movement and community. In this episode, she shares her journey to achieving financial independence (FI) while living in Bali, Indonesia. Amy gives us a glimpse into her lavish yet affordable lifestyle, spending only $30k a year. She details her frugal upbringing, early teaching career in Japan, and subsequent well-paid international teaching positions that allowed her to save aggressively. The episode also highlights Amy's contributions to the local Balinese community through the FI Freedom Retreats, aimed at educating and bringing together the FI community in Asia.   🌐 Visit Catching Up to FI website  🔗Connect with us ☕ Like what you hear on Catching Up to FI? Support the show at "Buy Me a Coffee"  🎙️We love hearing from you! Record a Voice Message with your feedback or question Record a Voice Message with your feedback or question   ===DEALS AND DISCOUNTS FROM OUR TRUSTED PARTNERS=== Personal Finance Club: Use code CUTOFI to get $30 OFF any course or PFC investing course only Nectarine: Advice-Only and Flat-Fee Hourly Fiduciary Financial Advisors (Catching Up to FI will be compensated by Nectarine if you use our affiliate link, which creates an incentive and conflict of interest. We are not current clients or employees of Nectarine.) For a full list of current deals and discounts from our partners, sponsors and affiliates, click here: catchinguptofi.com/our-partners   RESOURCES MENTIONED ON THE SHOW: (As an Amazon Associate, I earn from qualifying purchases.) 🌐Website- FI Freedom Retreats Facebook Instagram Amy's CampFI Talk Charity: PKP Women's Centre EconoMe Conference FI Friends Travel CampFI 📗Book: Your Money or Your Life (Vicki Robin & Joe Dominguez) IRS Foreign Tax Credit   ⏰ 'Catching Up to FI' Episodes Doña Quixote, Life Energy, and The Coming of Aging | Vicki Robin | 94 Enoughness: Your Life or Your Money | Vicki Robin | 95 Mr 4% is now Mr 5% | Bill Bengen | 111 Stories, Hacks, & Tribes | Brad Barrett | 021 Leaning Out: Cracking the Burnout Code | Dawn Baker | 119 Weathering Financial Storms | Kristen Knapp | 114 Twin Wins with the Baughier Brothers: CampFI, EAGLE Cohousing, and Fiology | David & Stephen Baughier | 089 If you enjoyed this episode, please follow the show on your podcast player and leave us a rating or review. If you want to watch, be sure to subscribe to our YouTube Channel. This helps others find the show and keeps us creating great content for you!   ⚠️Disclaimer: Our content is for general education and information purposes only. We are not providing financial, legal, or tax advice. Always do your own research or consult a professional before making important decisions.

We're excited to introduce you to our newest 'Catching Up to FI' team member, Patrick McDonnal. In this episode, you'll get to hear some of his money story and how he'll be helping with the show. Patrick discusses his career transition from engineering to financial planning and openly shares how the early financial education he got from his grandfather helped shape his journey. We're also celebrating with Patrick because he just sat for the very challenging, CFP Exam in March and got a preliminary 'Pass'. He is now well on his way to earning his Certified Financial Planner credential.   🔗Connect with us ☕ Like what you hear on Catching Up to FI? Support the show at "Buy Me a Coffee"  🎙️We love hearing from you! Record a Voice Message with your feedback or question Record a Voice Message with your feedback or question   === DEALS AND DISCOUNTS FROM OUR TRUSTED PARTNERS=== Personal Finance Club: Use code CUTOFI to get $30 OFF any course or PFC investing course only Nectarine: Advice-Only and Flat-Fee Hourly Fiduciary Financial Advisors (Catching Up to FI will be compensated by Nectarine if you use our affiliate link, which creates an incentive and conflict of interest. We are not current clients or employees of Nectarine.) For a full list of current deals and discounts from our partners, sponsors and affiliates, click here: catchinguptofi.com/our-partners   RESOURCES MENTIONED ON THE SHOW: (As an Amazon Associate, I earn from qualifying purchases.) FPA NexGen Leadership CASHFLOW Game George Kinder / Life Planning ChooseFI 📗 Choose FI: Your Blueprint to Financial Independence Chris Mamula EconoMe Conference Personal Finance Club   ⏰ 'Catching Up to FI' Episodes George Kinder (coming in May) The Powers of Starting Late, Retirement Calculators, and More | Chris Mamula | 086  Simplicity, Empathy, Leadership, Robots, Oh My! | Jeremy Schneider | 056  Stories, Hacks, & Tribes | Brad Barrett | 021  Find Your Camino | Diania Merriam | 029    If you enjoyed this episode, please follow the show on your podcast player and leave us a rating or review. If you want to watch, be sure to subscribe to our YouTube Channel. This helps others find the show and keeps us creating great content for you!   ⚠️Disclaimer: Our content is for general education and information purposes only. We are not providing financial, legal, or tax advice. Always do your own research or consult a professional before making important decisions.

Joining us on this episode is not just one, but TWO titans in the investing and financial literacy space, Rick Ferri and Paul Merriman. These two great minds go head-to-head on topics like asset allocation, and the risks/rewards of small cap value funds vs. total stock market funds. Through this high energy debate, they also provide expert insights into the various stages of your investing journey. Rick and Paul both share how they empower investors through their platforms and continue their relentless mission of spreading financial education.   🔗Connect with us ☕ Like what you hear on Catching Up to FI? Support the show at "Buy Me a Coffee"  🎙️We love hearing from you! Record a Voice Message with your feedback or question Record a Voice Message with your feedback or question   ===  DEALS AND DISCOUNTS FROM OUR TRUSTED PARTNERS===   🎓 Student Loan Planner Get a custom student loan plan from our CFP®, CFA and CSLP® professionals. They charge a one-time fee for their thorough review. Our listeners receive $100 off a 1:1 consult using the link below. Flat fee is normally $595, but after your $100 off 'Catching Up to FI' discount, it's $495.  👉🏼 Be sure to use this link: studentloanplanner.com/catchingup   📈 Boldin (formerly NewRetirement)  Retirement planning software that's like having a financial advisor at your fingertips. You can get started with the free version or choose the premium option (PlannerPlus) and get a 14-day free trial.   👉🏼 Be sure to use this link to get started:  Go.boldin.com/catchingup   For a full list of current deals and discounts from our partners, sponsors and affiliates, click here: catchinguptofi.com/our-partners   RESOURCES MENTIONED ON THE SHOW: (As an Amazon Associate, I earn from qualifying purchases.) 🌐RickFerri.com Bogleheads on Investing Podcast The John C. Bogle Center for Financial Literacy List of Vanguard Funds and ETFs Bogleheads Investment Policy Statement 🌐PaulMerriman.com Merriman Financial Education Foundation Merriman Financial Literacy Program at Western Washington University Paul Merriman Quilt Charts (1928-2024) - 2024 Returns Paul Merriman Sound Investing Portfolios Performance (50-50) - 2024 Returns 📗What Works on Wall Street, Fourth Edition       'Catching Up to FI' Episodes: Financial Literacy and Mastering the Million Dollar Decisions | Paul Merriman | 132 We're Talking Millions! Part 1 | Paul Merriman | 008  We're Talking Millions! Part 2 | Paul Merriman | 009    If you enjoyed this episode, please follow the show on your podcast player and leave us a rating or review. If you want to watch, be sure to subscribe to our YouTube Channel. This helps others find the show and keeps us creating great content for you!   ⚠️Disclaimer: Our content is for general education and information purposes only. We are not providing financial, legal, or tax advice. Always do your own research or consult a professional before making important decisions.

📈 Between April 3rd and 4th, the stock market dropped 10% and the S&P 500 is down nearly 15% so far this year. That's huge in such a short period of time and downright frightening! So, what do you do? Start by listening to this episode where Bill and Jackie take a deep breath, and discuss the impact of these recent market declines. There is a natural human reaction of fear, but they share tips on tempering those emotions and remaining levelheaded during volatile times. They also talk through the importance of understanding stock market history and cover practical strategies like rebalancing and tax-loss harvesting. They highlight personal experiences from past market drops like the 2008 financial crisis and the COVID-19 market scare, stressing the significance of maintaining a long-term perspective.  Tell us how you're feeling about this market drop and any tips you have for other late starters:🎙️ Record a Voice Message here 🔗Connect with us ☕ Like what you hear on Catching Up to FI? Support the show at "Buy Me a Coffee"  Join 'Catching Up to FI' Community Facebook Group 🔗 https://www.facebook.com/groups/catchinguptofi   ===  DEALS AND DISCOUNTS FROM OUR TRUSTED PARTNERS=== 🎓 Student Loan Planner Get a custom student loan plan from our CFP®, CFA and CSLP® professionals. They charge a one-time fee for their thorough review. Our listeners receive $100 off a 1:1 consult using the link below. Flat fee is normally $595, but after your $100 off 'Catching Up to FI' discount, it's $495.  👉🏼 Be sure to use this link: studentloanplanner.com/catchingup 📈 Boldin (formerly NewRetirement)  Retirement planning software that's like having a financial advisor at your fingertips. You can get started with the free version or choose the premium option (PlannerPlus) and get a 14-day free trial.   👉🏼 Be sure to use this link to get started:  Go.boldin.com/catchingup   For a full list of current deals and discounts from our partners, sponsors and affiliates, click here: catchinguptofi.com/our-partners   RESOURCES MENTIONED ON THE SHOW: A Guided Meditation for When the Stock Market is Dropping (JL Collins) Bogleheads Investment Policy Statement Rob Berger: Trump, Tariffs and Turmoil | Live Q&A (recording) Morningstar Article: What We've Learned From 150 Years of Stock Market Crashes: Though they varied in length and severity, the market always recovered and went on to new highs. AP News Article: A 10% drop for stocks is scary, but isn't that rare Forbes Article: How Long Do Recessions Last? Tax Loss Harvesting (Jesse Cramer) How to Tax-Loss Harvest – Step-by-Step Guide (White Coat Investor)   'Catching Up to FI Episodes' Space Telescopes, Sunflowers, and Financial Gardening | Jesse Cramer | 105 Pathfinders: Stories of Success and Financial Independence | JL Collins | 069 Pathfinders: Triumphs and Trials on the Road to Financial Independence | JL Collins | 070 F-You Money Part 1 | JL Collins | 023 F-You Money Part 2 | JL Collins | 024   If you enjoyed this episode, please follow the show on your podcast player and leave us a rating or review. If you want to watch, be sure to subscribe to our YouTube Channel. This helps others find the show and keeps us creating great content for you!   ⚠️Disclaimer: Our content is for general education and information purposes only. We are not providing financial, legal, or tax advice. Always do your own research or consult a professional before making important decisions.

One of the most frequent questions we get about retiring early is: 'How do I get money out of my retirement accounts before age 59.5, without paying the 10% penalty'? This episode answers that question and more with CPA and 72(t) expert, Bill Stecker. Bill is the founder of The Marble Group which specializes in federal income taxes and early retirement distributions. He's also the brilliant mind behind the website '72tcalc', hands down the most comprehensive resource we've found specifically focusing on 72(t)s. Cohost Jackie knows because she set up her own substantially equal periodic payments (SEPP) using IRS rule 72(t) in 2024 and will share some details of her first-hand experience. If you've been fearful and confused about how 72(t)s work, fear no more! In this episode, we thoroughly break down everything you need to know in a way you've never heard before. We also discuss more than a dozen other ways the IRS allows you to legally avoid federal tax penalties for early withdrawals from your retirement accounts. To make sure we did this topic justice, we turned it into a 2-part series. This is part 2, so make sure you go back and listen to part 1 which was released on March 30th. Both episodes are packed with valuable insights and practical tips for anyone considering early retirement.   🔗Connect with us ☕ Like what you hear on Catching Up to FI? Support the show at "Buy Me a Coffee"  🎙️We love hearing from you! Record a Voice Message with your feedback or question Record a Voice Message with your feedback or question   ===  THANK YOU TO OUR SPONSOR  === 📈 Boldin (formerly NewRetirement) is our newest sponsor!  Boldin is retirement planning software that's like having a financial advisor at your fingertips. With Boldin, you can: ✅ Track your savings ✅ Get personalized retirement advice based on your goals ✅ Explore investment options to grow your wealth ✅ And create a strategy that's built for your unique needs You can get started with the free version or choose the premium option (PlannerPlus) and get a 14-day free trial. Be sure to use this link to get started:  Go.boldin.com/catchingup For a full list of our partners, sponsors and affiliates, click here: catchinguptofi.com/our-partners   RESOURCES MENTIONED ON THE SHOW: 🌐72tcalc.com Website Free consultation with Bill Stecker's Firm- The Marble Group email: [email protected] Phone: (312) 361-0221 Jackie's review of 72tcalc.com website Most recent IRS list of exceptions to 10% tax penalty on early withdrawals IRS Tax Code 72(t)- Substantially Equal Periodic Payments (SEPP) IRS Single Life Table- Effective 1/1/2022 IRS website with the listing of recent interest rates (120% of Applicable Federal Midterm Rate) IRA first time homebuyer exception (you are considered a first-timer if you haven't owned a primary home the past 2 years) Rule 72(t) Example- Eric Cooper Rule 72(t) Example- Dare to Draw Down   📱72(t) CALCULATORS FI Tax Guy Google Sheet  Dinkytown CalcXML 72tcalc  72net   If you enjoyed this episode, please follow the show on your podcast player and leave us a rating or review. If you want to watch, be sure to subscribe to our YouTube Channel. This helps others find the show and keeps us creating great content for you!   ⚠️Disclaimer: Our content is for general education and information purposes only. We are not providing financial, legal, or tax advice. Always do your own research or consult a professional before making important decisions.

April is Financial Literacy Month, and to help us celebrate we brought in a returning guest, Paul Merriman. Paul has been on the show before to discuss investment portfolios, but today he talks with us about some extraordinary strides he's making as a financial literacy advocate through his nonprofit, The Merriman Financial Education Foundation. We also share some of our favorite financial literacy resources.   🔗Connect with us ☕ Like what you hear on Catching Up to FI? Support the show at "Buy Me a Coffee"  🎙️We love hearing from you! Record a Voice Message with your feedback or question Record a Voice Message with your feedback or question   ===  THANK YOU TO OUR SPONSOR  === 📈 Boldin (formerly NewRetirement) is our newest sponsor!  Boldin is retirement planning software that's like having a financial advisor at your fingertips. With Boldin, you can: ✅ Track your savings ✅ Get personalized retirement advice based on your goals ✅ Explore investment options to grow your wealth ✅ And create a strategy that's built for your unique needs You can get started with the free version or choose the premium option (PlannerPlus) and get a 14-day free trial. Be sure to use this link to get started:  Go.boldin.com/catchingup For a full list of our partners, sponsors and affiliates, click here: catchinguptofi.com/our-partners   RESOURCES MENTIONED ON THE SHOW: 🌐Website Merriman Financial Literacy Program at Western Washington University IGrad Next Gen Personal Finance White Coat Investor The John C. Bogle Center for Financial Literacy 'Catching Up to FI' Episodes: We're Talking Millions! Part 1 | Paul Merriman | 008  We're Talking Millions! Part 2 | Paul Merriman | 009  Celebrating Financial Literacy Month with Next Gen Personal Finance | Tim Ranzetta | 072    If you enjoyed this episode, please follow the show on your podcast player and leave us a rating or review. If you want to watch, be sure to subscribe to our YouTube Channel. This helps others find the show and keeps us creating great content for you!   ⚠️Disclaimer: Our content is for general education and information purposes only. We are not providing financial, legal, or tax advice. Always do your own research or consult a professional before making important decisions.

One of the most frequent questions we get about retiring early is: 'How do I get money out of my retirement accounts before age 59.5, without paying the 10% penalty'? This episode answers that question and more with CPA and 72(t) expert, Bill Stecker. Bill is the founder of The Marble Group which specializes in federal income taxes and early retirement distributions. He's also the brilliant mind behind the website '72tcalc', hands down the most comprehensive resource we've found specifically focusing on 72(t)s. Cohost Jackie knows because she set up her own substantially equal periodic payments (SEPP) using IRS rule 72(t) in 2024 and will share some details of her first-hand experience. If you've been fearful and confused about how 72(t)s work, fear no more! In this episode, we thoroughly break down everything you need to know in a way you've never heard before. We also discuss more than a dozen other ways the IRS allows you to legally avoid federal tax penalties for early withdrawals from your retirement accounts. To make sure we did this topic justice, we turned it into a 2-part series. This is part 1, and part 2 will be released next week; both packed with valuable insights and practical tips for anyone considering early retirement.   ⚠️ Clarifications from this episode: IRS 'Rule of 50' for public safety workers who retire after age 50 are exempt from the 10% early distribution penalty. It does include EMTs (Emergency Medical Technicians), however, it does not include all doctors and nurses (see IRS code linked below or read this article).     For medical expenses, the 10% early withdrawal penalty can be waived without itemizing your deductions if the amount of unreimbursed medical expenses is more than 7.5% AGI.  (see IRS code linked below or read this article).   🔗Connect with us ☕ Like what you hear on Catching Up to FI? Support the show at "Buy Me a Coffee"  🎙️We love hearing from you! Record a Voice Message with your feedback or question Record a Voice Message with your feedback or question   ===  THANK YOU TO OUR SPONSOR  === 📈 Boldin (formerly NewRetirement) is our newest sponsor!  Boldin is retirement planning software that's like having a financial advisor at your fingertips. You can get started with the free version or choose the premium option (PlannerPlus) and get a 14-day free trial. Be sure to use this link to get started:  Go.boldin.com/catchingup For a full list of our partners, sponsors and affiliates, click here: catchinguptofi.com/our-partners   RESOURCES MENTIONED ON THE SHOW: 🌐72tcalc.com Website Free consultation with Bill Stecker's Firm- The Marble Group email: [email protected] Phone: (312) 361-0221 Jackie's review of 72tcalc.com website Most recent IRS list of exceptions to 10% tax penalty on early withdrawals IRS Tax Code 72(t)- Substantially Equal Periodic Payments (SEPP) IRS Single Life Table- Effective 1/1/2022 IRS website with the listing of recent interest rates (120% of Applicable Federal Midterm Rate) IRA first time homebuyer exception (you are considered a first-timer if you haven't owned a primary home the past 2 years) Rule 72(t) Example- Eric Cooper Rule 72(t) Example- Dare to Draw Down   📱72(t) CALCULATORS FI Tax Guy Google Sheet  Dinkytown CalcXML 72tcalc  72net   If you enjoyed this episode, please follow the show on your podcast player and leave us a rating or review. If you want to watch, be sure to subscribe to our YouTube Channel. This helps others find the show and keeps us creating great content for you!   ⚠️Disclaimer: Our content is for general education and information purposes only. We are not providing financial, legal, or tax advice. Always do your own research or consult a professional before making important decisions.

'Catching Up to FI' founder and co-host, Bill Yount, appeared as a guest on the EverydayFI podcast with host Meghan Combs. The show explores the lives and stories of everyday people in the financial independence community so Bill opens up about his FI journey as a late starter. He of course represents our Catching Up to FI community. He had a lot to say so this is the second part of a two-part episode. The first part was aired last Wednesday (episode 128) so be sure to check it out.    🌐 Visit Catching Up to FI website 🔗Connect with us ☕ Like what you hear on Catching Up to FI? Support the show at "Buy Me a Coffee"  🎙️We love hearing from you! Record a Voice Message with your feedback or question Record a Voice Message with your feedback or question   ===  THANK YOU TO OUR SPONSOR  === 📈 Boldin (formerly NewRetirement) is our newest sponsor!  Boldin is retirement planning software that's like having a financial advisor at your fingertips. With Boldin, you can: ✅ Track your savings ✅ Get personalized retirement advice based on your goals ✅ Explore investment options to grow your wealth ✅ And create a strategy that's built for your unique needs You can get started with the free version or choose the premium option (PlannerPlus) and get a 14-day free trial. Be sure to use this link to get started:  Go.boldin.com/catchingup   For a full list of our partners, sponsors and affiliates, click here: catchinguptofi.com/our-partners   Resources mentioned on the show:  (As an Amazon Associate, I earn from qualifying purchases.) EverydayFI podcast     If you enjoyed this episode, please follow the show on your podcast player and leave us a rating or review. If you want to watch, be sure to subscribe to our YouTube Channel. This helps others find the show and keeps us creating great content for you!   Disclaimer: Our content is for general education and information purposes only. We are not providing financial, legal, or tax advice. Always do your own research or consult a professional before making important decisions.

In this episode we welcome back the rebels, Katie and Alan Donegan. They are founders of the Rebel Finance School and have turned the concept of financial independence (FI) into an energetic global movement. We are celebrating the launch of their brand-new music album. But it's not just music, it's a Money Revolution and the world's first financial independence album! The Donegans give us a behind the scenes look at the making the of the album and a backstage pass to some of the tracks, including: 🎤 4% Rule 🎤 Badassity (Mustachianism) 🎤 Create a Gap 🎤 The Boring Middle But wait... there's more! We also get a preview of the Donegans' upcoming book, 'The Rebels Guide to Financial Freedom: Simple Missions to Take you from Zero to Money Superhero'. The forward is written by one of the most recognized names in the FI Movement, Mr. Money Mustache!   🌐 Visit Catching Up to FI website 🔗Connect with us ☕ Like what you hear on Catching Up to FI? Support the show at "Buy Me a Coffee"  🎙️We love hearing from you! Record a Voice Message with your feedback or question Record a Voice Message with your feedback or question   ===  THANK YOU TO OUR SPONSOR  === 📈 Boldin (formerly NewRetirement) is our newest sponsor!  Boldin is retirement planning software that's like having a financial advisor at your fingertips. With Boldin, you can: ✅ Track your savings ✅ Get personalized retirement advice based on your goals ✅ Explore investment options to grow your wealth ✅ And create a strategy that's built for your unique needs You can get started with the free version or choose the premium option (PlannerPlus) and get a 14-day free trial. Be sure to use this link to get started:  Go.boldin.com/catchingup For a full list of our partners, sponsors and affiliates, click here: catchinguptofi.com/our-partners   RESOURCES MENTIONED ON THE SHOW (As an Amazon Associate, I earn from qualifying purchases.) 🌐Website 🎶New Album: Money Revolution: The World's First Financial Independence Music Album! Buy👉🏻 🎵💿  📙New Book: 'The Rebels' Guide to Financial Freedom: Simple Missions to take you from Zero to Money Superhero Rebel Entrepreneur Podcast Sign up for Alan & Katie's 2025 Rebel Finance School  Rebel Donegans YouTube The Shockingly Simple Math behind retiring early  retirement article  'Catching Up to FI' Episodes: Indiana Jones and an Extraordinary Life with the Donegans | Alan and Katie Donegan | 079 Sustainable FIlosophy with Mr. Money Mustache | Pete Adeney | 073 The pURPOSE Code | Jordan Grumet | 115 Mr 4% is now Mr 5% | Bill Bengen | 111   If you enjoyed this episode, please follow the show on your podcast player and leave us a rating or review. If you want to watch, be sure to subscribe to our YouTube Channel. This helps others find the show and keeps us creating great content for you!   ⚠️ Disclaimer: Our content is for general education and information purposes only. We are not providing financial, legal, or tax advice. Always do your own research or consult a professional before making important decisions.

'Catching Up to FI' founder and co-host, Bill Yount, appeared as a guest on the EverydayFI podcast with host Meghan Combs. The show explores the lives and stories of everyday people in the financial independence community so Bill opens up about his FI journey as a late starter. He of course represents our Catching Up to FI community. He had a lot to say so this is a two-parter and will be aired over the next two Wednesday episodes.     🌐 Visit Catching Up to FI website 🔗Connect with us ☕ Like what you hear on Catching Up to FI? Support the show at "Buy Me a Coffee"  🎙️We love hearing from you! Record a Voice Message with your feedback or question Record a Voice Message with your feedback or question   ===  THANK YOU TO OUR SPONSOR  === 📈 Boldin (formerly NewRetirement) is our newest sponsor!  Boldin is retirement planning software that's like having a financial advisor at your fingertips. With Boldin, you can: ✅ Track your savings ✅ Get personalized retirement advice based on your goals ✅ Explore investment options to grow your wealth ✅ And create a strategy that's built for your unique needs You can get started with the free version or choose the premium option (PlannerPlus) and get a 14-day free trial. Be sure to use this link to get started:  Go.boldin.com/catchingup   For a full list of our partners, sponsors and affiliates, click here: catchinguptofi.com/our-partners   Resources mentioned on the show:  (As an Amazon Associate, I earn from qualifying purchases.) EverydayFI podcast     If you enjoyed this episode, please follow the show on your podcast player and leave us a rating or review. If you want to watch, be sure to subscribe to our YouTube Channel. This helps others find the show and keeps us creating great content for you!   Disclaimer: Our content is for general education and information purposes only. We are not providing financial, legal, or tax advice. Always do your own research or consult a professional before making important decisions.

Jackie is out this week, and her co-host seat is being filled by Mindy Jensen (the hostess with the mostest 😂) from the 'BiggerPockets Money' and 'Living a FI Life' podcasts. In this episode we talk with Matt and Yana Tarr, the married duo behind the 'CoastFI Couple' blog and podcast. The conversation centers around the power of Coast FI, and how open, healthy communication about money can strengthen partnerships and marriages. We also highlight their favorite budgeting and accountability tool, Qube Money and why it's such a great tool for late starters.   🌐 Visit Catching Up to FI website 🔗Connect with us ☕ Like what you hear on Catching Up to FI? Support the show at "Buy Me a Coffee"  🎙️We love hearing from you! Record a Voice Message with your feedback or question Record a Voice Message with your feedback or question   ===  THANK YOU TO OUR SPONSOR  === 📈 Boldin (formerly NewRetirement) is our newest sponsor!  Boldin is retirement planning software that's like having a financial advisor at your fingertips. With Boldin, you can: ✅ Track your savings ✅ Get personalized retirement advice based on your goals ✅ Explore investment options to grow your wealth ✅ And create a strategy that's built for your unique needs You can get started with the free version or choose the premium option (PlannerPlus) and get a 14-day free trial. Be sure to use this link to get started:  Go.boldin.com/catchingup   For a full list of our partners, sponsors and affiliates, click here: catchinguptofi.com/our-partners   RESOURCES MENTIONED ON THE SHOW: 🌐Website: Coast FI Couple Podcast: Coast FI Couple Charity: Best Buddies Qube Money Mindy's 'Catching Up to FI Episode': From Tech Stocks to Toilet Brushes: The Jensens' FI Journey | Mindy and Carl Jensen | 071 BiggerPockets Money & Living a FI Life podcast (Mindy Jensen) Inside Out Money podcast (Maggie Tucker)    If you enjoyed this episode, please follow the show on your podcast player and leave us a rating or review. If you want to watch, be sure to subscribe to our YouTube Channel. This helps others find the show and keeps us creating great content for you!   Disclaimer: Our content is for general education and information purposes only. We are not providing financial, legal, or tax advice. Always do your own research or consult a professional before making important decisions.

Jackie Cummings Koski is co-host of the 'Catching Up to FI' podcast and author of the book 'F.I.R.E. For Dummies'. In case you're new here, FIRE stands for Financial Independence, Retire Early. In this episode, Jackie comes clean and publicly shares her non-FIRE confessions. Recorded at a CampFI near San Diego, she reveals surprising financial decisions that didn't exactly follow the 'rules' of FI, and some are downright shocking… such as taking a 401(k) loan (don't judge too soon😁). These moves may have gone against traditional FI principles, but they didn't ruin her plans or curb her enthusiasm.   From her early life in poverty to building wealth through strategic saving and investing, Jackie provides a transparent look at her imperfect journey, aiming to inspire others on the path to FI. She not only shares her real numbers, but also her genuine thoughts and feelings beyond the math. Join us to learn from her experience and embrace the big takeaway that 'precision is not required' to reach your financial goals, even when you're getting a late start.   🗣️ SHARE YOUR CONFESSION! Do you have a non-FI confession to make??? Leave us a voice message and we may just play it on a future show! Use this link to record a message from your computer or right from your phone:  📲 https://catchinguptofi.com/contact-us/#voicemail 🌐 Visit Catching Up to FI website 🔗Connect with us ☕ Like what you hear on Catching Up to FI? Support the show at "Buy Me a Coffee"  🎙️We love hearing from you! Record a Voice Message with your feedback or question Record a Voice Message with your feedback or question   ===  THANK YOU TO OUR SPONSOR  === 📈 Boldin (formerly NewRetirement) is our newest sponsor!  Boldin is retirement planning software that's like having a financial advisor at your fingertips. With Boldin, you can: ✅ Track your savings ✅ Get personalized retirement advice based on your goals ✅ Explore investment options to grow your wealth ✅ And create a strategy that's built for your unique needs You can get started with the free version or choose the premium option (PlannerPlus) and get a 14-day free trial. Be sure to use this link to get started:  Go.boldin.com/catchingup   For a full list of our partners, sponsors and affiliates, click here: catchinguptofi.com/our-partners   Resources mentioned on the show:  🌐Jackie's website FInomenalWoman.com  🎙️From Poverty to Wealth and Early Retirement | Jackie Cummings Koski | 007  📕Jackie's book: 'F.I.R.E. For Dummies'  📈Jackie's Investment Club through BetterInvesting.org CampFI website  Watch other inspiring talks on CampFI's YouTube channel   If you enjoyed this episode, please follow the show on your podcast player and leave us a rating or review. If you want to watch, be sure to subscribe to our YouTube Channel. This helps others find the show and keeps us creating great content for you!   Disclaimer: Our content is for general education and information purposes only. We are not providing financial, legal, or tax advice. Always do your own research or consult a professional before making important decisions.

Lynnette Khalfani-Cox (also known as 'The Money Coach') is an icon in the financial media and financial education space. She is the author of 16 money-management books, including the New York Times bestseller 'Zero Debt: The Ultimate Guide to Financial Freedom'. Lynette joins us on this episode to share some of the big takeaways from her latest book 'Bounce Back', offering practical and emotional guidance for those recovering from financial setbacks. She guides us on how to take on―and defeat―the most common and difficult challenges most of us face, like being downsized from a job, disasters, debt, divorce, discrimination, and more. Lynette also gets vulnerable with us, sharing her emotional stories about dealing with her own divorce and the death of her sister.   🌐 Visit Catching Up to FI website 🔗Connect with us ☕ Like what you hear on Catching Up to FI? Support the show at "Buy Me a Coffee"  🎙️We love hearing from you! Record a Voice Message with your feedback or question Record a Voice Message with your feedback or question   ===  THANK YOU TO OUR SPONSOR  === 📈 Boldin (formerly NewRetirement) is our newest sponsor!  Boldin is retirement planning software that's like having a financial advisor at your fingertips. With Boldin, you can: ✅ Track your savings ✅ Get personalized retirement advice based on your goals ✅ Explore investment options to grow your wealth ✅ And create a strategy that's built for your unique needs You can get started with the free version or choose the premium option (PlannerPlus) and get a 14-day free trial. Be sure to use this link to get started:  Go.boldin.com/catchingup   For a full list of our partners, sponsors and affiliates, click here: catchinguptofi.com/our-partners   Resources mentioned on the show:  (As an Amazon Associate, I earn from qualifying purchases.) 🌐Website Ask the Money Coach YouTube 📕Bounce Back: The Ultimate Guide to Financial Resilience  📗The Bounce Back Workbook: The Interactive Companion Guide to Bounce Back CNBC Make It: How I Achieved The Perfect Credit Score — Here's The Magic Formula I Used The Nourish Spot in NYC   Charity: Big Sister Little Sister of Houston   Charity: Electus Global Education (Life Hub)   If you enjoyed this episode, please follow the show on your podcast player and leave us a rating or review. If you want to watch, be sure to subscribe to our YouTube Channel. This helps others find the show and keeps us creating great content for you!   Disclaimer: Our content is for general education and information purposes only. We are not providing financial, legal, or tax advice. Always do your own research or consult a professional before making important decisions.

Frank Vasquez (also affectionately known as Uncle Frank) is a mostly retired lawyer and host of the 'Risk Parity Radio' podcast. In this episode, he gives us a dose of his investing wisdom complete with his unique 'SpongeBob' sense of humor. We discuss financial independence (FI) in the older years, emphasizing the importance of enjoying the fruits of your labor after decades of saving. We explore diversified portfolios, the principles of risk parity, and introduce listeners to various investment approaches such as the 'Golden Butterfly' and 'Golden Ratio' portfolios. Frank also shares his thoughts on the shortcomings of traditional personal finance gurus, who often fail to provide viable strategies for retirement spending.   🌐 Visit Catching Up to FI website 🔗Connect with us ☕ Like what you hear on Catching Up to FI? Support the show at "Buy Me a Coffee"  🎙️We love hearing from you! Record a Voice Message with your feedback or question Record a Voice Message with your feedback or question   ===  THANK YOU TO OUR SPONSORS  === 📈 Boldin (formerly NewRetirement) is our newest sponsor!  Boldin is retirement planning software that's like having a financial advisor at your fingertips. With Boldin, you can: ✅ Track your savings ✅ Get personalized retirement advice based on your goals ✅ Explore investment options to grow your wealth ✅ And create a strategy that's built for your unique needs You can get started with the free version or choose the premium option (PlannerPlus) and get a 14-day free trial. Be sure to use this link to get started:  Go.boldin.com/catchingup   💵Student Loan Planner  Flat fee for a one-on-one consultation is normally $595, but after your $100 off 'Catching Up to FI' discount, it's $495. 👉🏼 Be sure to use this link: link   For a full list of our partners, sponsors and affiliates, click here: catchinguptofi.com/our-partners   Resources mentioned on the show: (As an Amazon Associate, I earn from qualifying purchases.) 🌐Risk Parity Radio website  🎙️Risk Parity Radio podcast  Portfolio Charts https://portfoliocharts.com/ Charity: Father McKenna Center  Catching Up to FI podcast episodes: SpongeBob and Drawdown Strategies | Frank Vasquez | 044 Sequence of Returns Risk: What Every Retiree Needs to Know | Karsten Jeske | 106       If you enjoyed this episode, please follow the show on your podcast player and leave us a rating or review. If you want to watch, be sure to subscribe to our YouTube Channel. This helps others find the show and keeps us creating great content for you!   Disclaimer: Our content is for general education and information purposes only. We are not providing financial, legal, or tax advice. Always do your own research or consult a professional before making important decisions.

Ever felt anxious around money, or like you're stuck no matter how much you try to save? You're not alone. In this episode, we unravel all of that with Shannah Game, a leading transformational money expert helping you heal your relationship with money. Shannah is host of the popular podcast 'Everyone's Talkin' Money' and author of the new book 'Unraveling Your Relationship with Money', a step-by-step guide to breaking free from money stress, shame, and self-doubt.   🌐 Visit Catching Up to FI website 🔗Connect with us ☕ Like what you hear on Catching Up to FI? Support the show at "Buy Me a Coffee"  🎙️We love hearing from you! Record a Voice Message with your feedback or question Record a Voice Message with your feedback or question   ===  THANK YOU TO OUR SPONSORS  === 📈 Boldin (formerly NewRetirement) is our newest sponsor!  Boldin is retirement planning software that's like having a financial advisor at your fingertips. With Boldin, you can: ✅ Track your savings ✅ Get personalized retirement advice based on your goals ✅ Explore investment options to grow your wealth ✅ And create a strategy that's built for your unique needs You can get started with the free version or choose the premium option (PlannerPlus) and get a 14-day free trial. Be sure to use this link to get started:  Go.boldin.com/catchingup   💵Student Loan Planner  Flat fee for a one-on-one consultation is normally $595, but after your $100 off 'Catching Up to FI' discount, it's $495. 👉🏼 Be sure to use this link: link   For a full list of our partners, sponsors and affiliates, click here: catchinguptofi.com/our-partners   Resources mentioned on the show: (As an Amazon Associate, I earn from qualifying purchases.) 🌐Everyone's Talkin' Money website  🎙️Everyone's Talkin' Money Podcast 📗 Shannah's new book: 'Unraveling Your Relationship with Money'  🥇 Reward for Purchase 🎁 (freebies) George Kinder  Klontz Money Scripts The Trauma of Money Method CRASH!: Money Trauma and Recovery | Shannah Game | 057   If you enjoyed this episode, please follow the show on your podcast player and leave us a rating or review. If you want to watch, be sure to subscribe to our YouTube Channel. This helps others find the show and keeps us creating great content for you!   Disclaimer: Our content is for general education and information purposes only. We are not providing financial, legal, or tax advice. Always do your own research or consult a professional before making important decisions.

We're pulling back the curtain on student loans with expert and founder of Student Loan Planner, Travis Hornsby. Initially impacting younger borrowers, the student loan crisis now affects those in their 40s, 50s, and even 60s. The balances are getting bigger, lasting longer and rules are becoming more complex! It can be confusing, but this episode will give you clarity and help you tackle your student loan challenges head-on. We explore smart repayment strategies, student loan forgiveness, the impact of current and future government policies and more.    🌐 Visit Catching Up to FI website 🔗Connect with us ☕ Like what you hear on Catching Up to FI? Support the show at "Buy Me a Coffee"  🎙️We love hearing from you! Record a Voice Message with your feedback or question Record a Voice Message with your feedback or question   ===  THANK YOU TO OUR SPONSOR  === 📈 Boldin (formerly NewRetirement) is our newest sponsor!  Boldin is retirement planning software that's like having a financial advisor at your fingertips. With Boldin, you can: ✅ Track your savings ✅ Get personalized retirement advice based on your goals ✅ Explore investment options to grow your wealth ✅ And create a strategy that's built for your unique needs You can get started with the free version or choose the premium option (PlannerPlus) and get a 14-day free trial. Be sure to use this link to get started:  Go.boldin.com/catchingup   For a full list of our partners, sponsors and affiliates, click here: catchinguptofi.com/our-partners   Resources mentioned on the show:  💵Discount for Student Loan Planner consultation Flat fee is normally $595, but after your $100 off 'Catching Up to FI' discount, it's $495. 👉🏼 Be sure to use this link: link 🌐 Student Loan Planner website 🎙️Student Loan Planner podcast 🗣️Travis' talk at EconoMe 2020   If you enjoyed this episode, please follow the show on your podcast player and leave us a rating or review. If you want to watch, be sure to subscribe to our YouTube Channel. This helps others find the show and keeps us creating great content for you!   Disclaimer: Our content is for general education and information purposes only. We are not providing financial, legal, or tax advice. Always do your own research or consult a professional before making important decisions.

Attorney Jennifer (Jenny) Rozelle joins us to unravel the complexities of estate planning and help you get your estate plans in order. In this episode she covers the essentials- healthcare directives, probate, wills, beneficiaries, trusts and more. She's a lawyer with a sense of humor and sprinkles in her special blend of wit and wisdom to liven up a topic that many people try to avoid. She also shares cautionary tales, current trends, and celebrity mishaps that she often talks about on her podcast, "Legal Tea". #DoYourEstatePlan   🔗Connect with us  Buy CUtFI a coffee  Record a message for CUtFI   ===  NEW SPONSOR  === 📈 Boldin (formerly NewRetirement) is our newest sponsor!  Boldin is retirement planning software that's like having a financial advisor at your fingertips. With Boldin, you can: ✅ Track your savings ✅ Get personalized retirement advice based on your goals ✅ Explore investment options to grow your wealth ✅ And create a strategy that's built for your unique needs You can get started with the free version, or choose the premium option (PlannerPlus) and get a 14-day free trial. Be sure to use this link to get started:  Go.boldin.com/catchingup   For a full list of our partners, sponsors and affiliates, click here: catchinguptofi.com/our-partners   Resources mentioned on the show: (As an Amazon Associate, I earn from qualifying purchases.) 🌐 Indiana Estate Elder Law 🎙️Legal Tea Podcast 🎙️Legal Tea podcast episode #174 (Estate Tax Planning Post-Trump Reelection) n Jenny's talk at Bogleheads 2024 LinkedIn Twitter/X The online Estate Planning program Jackie used for her will 👉🏽 Trust & Will If you enjoyed this episode, please follow the show on your podcast player and leave us a rating or review. If you want to watch, be sure to subscribe to our YouTube Channel. This helps others find the show and keeps us creating great content for you!   Disclaimer: Our content is for general education and information purposes only. We are not providing financial, legal, or tax advice. Always do your own research or consult a professional before making important decisions.

Monica Scudieri started late on her financial independence journey but finished early. Her financial watershed moment was when she discovered she had $257,000 in debt.  She was in serious financial despair but managed to slowly dig out. The progress she made was impressive and just ten years later, she reached financial independence. In this episode Monica shares the challenges she faced as a divorced single mom, her parents' immigrant story, and the smart, scrappy moves she made to transform her financial life.   🔗Connect with us  Buy CUtFI a coffee  Record a message for CUtFI   ===  NEW SPONSOR  === 📈 Boldin (formerly NewRetirement) is our newest sponsor!  Boldin is retirement planning software that's like having a financial advisor at your fingertips. With Boldin, you can: ✅ Track your savings ✅ Get personalized retirement advice based on your goals ✅ Explore investment options to grow your wealth ✅ And create a strategy that's built for your unique needs You can get started with the free version, or choose the premium option (PlannerPlus) and get a 14-day free trial. Be sure to use this link to get started:  Go.boldin.com/catchingup   For a full list of our partners, sponsors and affiliates, click here: catchinguptofi.com/our-partners   Resources mentioned on the show: (As an Amazon Associate, I earn from qualifying purchases.) 🌐 Grab Your Slice of Financial Independence 📗Order 'Grab Your Slice of Financial Independence' on Amazon LinkedIn  Instagram ESI Money article: Journey to FIRE as a Late Starting Single Parent   If you enjoyed this episode, please follow the show on your podcast player and leave us a rating or review. If you want to watch, be sure to subscribe to our YouTube Channel. This helps others find the show and keeps us creating great content for you!   Disclaimer: Our content is for general education and information purposes only. We are not providing financial, legal, or tax advice. Always do your own research or consult a professional before making important decisions.

Ever felt burnout creeping into your life? Then join us for this discussion about tackling the widespread issue of burnout with Dr. Dawn Baker, author of the book 'Lean Out'. Discover practical advice for high-powered professionals struggling with exhaustion, cynicism, and lack of motivation. Whether you're an overworked physician, a stressed corporate employee, or overloaded entrepreneur, this episode will give you actionable tips to help you regain balance and find fulfillment.    🔗Connect with us  Buy CUtFI a coffee  Record a message for CUtFI   🔥🔥🔥 Check out these discounts from our new partners:   💰MyBudgetCoach MyBudgetCoach is the only budgeting app to connect every user with a real-life coach from Day 1. You pick the coach that resonates most with you from their directory. Unlock 35 Days of free financial coaching and start making Smart Money Moves plus receive 10% off subscription costs by entering code: Catchingup   🎓 Student Loan Planner Get a custom student loan plan from our CFP®, CFA and CSLP® professionals. They charge a one-time fee for their thorough review. Our listeners receive $100 off a 1:1 consult using the link below. Flat fee is normally $595, but after your $100 off 'Catching Up to FI' discount, it's $495. 👉🏼 Be sure to use this link: studentloanplanner.com/catchingup   For a full list of our partners, sponsors and affiliates, click here: catchinguptofi.com/our-partners   Resources mentioned on the show: (As an Amazon Associate, I earn from qualifying purchases.) 🌐 Practice Balance 📗Order 'Lean Out' on Amazon Lean Out Podcast In the Line of FIRE | Escaping Avalon | 090 Money Zen | Manisha Thakor | 055 📕The Purpose Code: How to unlock meaning, maximize happiness, and leave a lasting legacy ~Jordan Grumet If you enjoyed this episode, please follow the show on your podcast player and leave us a rating or review. If you want to watch, be sure to subscribe to our YouTube Channel. This helps others find the show and keeps us creating great content for you!   Disclaimer: Our content is for general education and information purposes only. We are not providing financial, legal, or tax advice. Always do your own research or consult a professional before making important decisions.

In this episode, we're taking it to the streets of Atlanta, GA where the 2024 FinCon took place. FinCon is the largest (and funnest) conference for independent content creators in the personal finance space. We wish you could have been there but since we couldn't bring our audience to FinCon, we're bringing a little FinCon to you. We chatted with some of them and asked the big question:  "What is your best tip for late starters?" 🔗Connect with us  Buy CUtFI a coffee  Record a message for CUtFI   Huge thanks to our fellow content creators that contributed their valuable tips!  (As an Amazon Associate, I earn from qualifying purchases.)   Gwen Merz (Firey Millennials) 🌐 Firey Millennials   Rocky Lalvani (Profit Comes First) 🌐 Profit Comes First   Heather Phillips (Tiller) 🌐 Tiller   Fritz Gilbert (Retirement Manifesto) 🌐 Retirement Manifesto Podcast Episode: Hard & Soft Sides of Retirement | Fritz Gilbert | 019 📗 Keys to a Successful Retirement: Staying Happy, Active, and Productive in Your Retired Years Buy👉🏻 https://amzn.to/4g31kMr   Diania Merriam (EconoMe Conference) 🌐 EconoMe Conference Podcast Episode: Find Your Camino | Diania Merriam | 029   Skyler Fleming (Money Talk with Skyler Fleming) 🌐 Money Talk with Skyler Fleming   Sean Mullaney (The FI Tax Guy) 🌐 The FI Tax Guy Podcast Episodes:  Year End Tax Planning | Sean Mullaney | 045 Life & Taxes | Sean Mullaney | 013   Doug Nordman aka Nords (Military Financial Independence) 🌐 Military Financial Independence Podcast Episode: Catching the Wave to FI | Doug Nordman & Carol Pittner | 067 📗Raising Your Money-Savvy Family For Next Generation Financial Independence Buy👉🏻 https://amzn.to/4jpGLNs 📕Military Guide to Financial Independence and Retirement Buy👉🏻 https://amzn.to/40DVrRt Larry Tuch (The Abundant Wallet) 🌐 The Abundant Wallet   Crystina Cardozo (Run the Numbers) 🌐 Run the Numbers    Avanti Shetye (Wealthwyzr) 🌐 Wealthwyzr   Aseefa Ismail (Balanced Checkbook) 🌐 Balanced Checkbook   Marvá Morrow 🌐 Marvá Morrow     If you enjoyed this episode, please follow the show on your podcast player and leave us a rating or review. If you want to watch, be sure to subscribe to our YouTube Channel. This helps others find the show and keeps us creating great content for you!   Disclaimer: Our content is for general education and information purposes only. We are not providing financial, legal, or tax advice. Always do your own research or consult a professional before making important decisions.

In this episode we welcome back Christine Benz, director of personal finance and retirement planning for Morningstar. Christine is one of the most respected thought leaders on the topic of retirement and shares insights from her new book, 'How to Retire'. We discuss the importance of preparing for retirement well in advance, building social networks, the significance of diversity in relationships, and more. Today's show is packed with valuable advice and a must listen for anyone approaching or in retirement.    🔗Connect with us  Buy CUtFI a coffee  Record a message for CUtFI   🔥🔥🔥 Check out our new partners and affiliates: 💰MyBudgetCoach MyBudgetCoach is the only budgeting app to connect every user with a real-life coach from Day 1. You pick the coach that resonates most with you from their directory. You can message your coach or set up a one-on-one call with them for an additional fee. Unlock 35 Days of free financial coaching and start making Smart Money Moves plus receive 10% off subscription costs by entering code: Catchingup   🎓 Student Loan Planner Get a custom student loan plan from our CFP®, CFA and CSLP® professionals. Student Loan Planner has consulted on hundreds of millions in student debt and found millions in forecasted student loan savings for clients they've worked with. They charge a one-time fee for their thorough review. Our listeners receive $100 off a 1:1 consult using the link below. Flat fee is normally $595, but after your $100 off 'Catching Up to FI' discount, it's $495 👉🏼 Be sure to use this link: studentloanplanner.com/catchingup   📈 ProjectionLab Build Financial Plans You Love. ProjectionLab is a financial modeling tool for people seeking financial independence and retirement. Battle-test your plans against varying market conditions and build confidence in your chance of success using. Monte Carlo simulations. Get started for free. No sign-up or credit card required. 👉🏼 Be sure to use this link: projectionlab.com/catchingup   💸Lunch Money  Lunch Money has been making personal finance management delightfully simple for the modern-day spender since 2019 and steadily built a loyal customer base of thousands of users in 30+ different countries. They have a pay-what-you-want pricing plan for annual subscriptions starting at $50. 👉🏼 Be sure to use this link: https://lunchmoney.app/?fp_ref=catchingup   For a full list of our partners, sponsors and affiliates, click here: catchinguptofi.com/our-partners   Resources mentioned on the show: (As an Amazon Associate, I earn from qualifying purchases.) 🌐 Morningstar 📗Order "How to Retire: 20 lessons for a happy, successful, and wealthy retirement" on Amazon The Long View John C. Bogle Center for Financial Literacy Bogleheads Conference William Bengen opensocialsecurity.com Bogleheads Conference 2023 - Jordan Grumet on Living without Regrets bogleheads.org   Catching Up to FI Episodes mentioned: The Life and Death of The 4% Rule | Christine Benz | 077 Social Security Made Simple | Mike Piper | 054 Mom and Dad, We Need to Talk | Cameron Huddleston | 048 How to Think About Money | Jonathan Clements | 040 Purpose, Identity, & Connection | Jordan Grumet | 022 Hard & Soft Sides of Retirement | Fritz Gilbert | 019 Say Cheese!: The Retirement Spending Smile | David Blanchett | 110 F-You Money Part 1 | JL Collins | 023 F-You Money Part 2 | JL Collins | 024 Pathfinders: Stories of Success and Financial Independence | JL Collins | 069 Pathfinders: Triumphs and Trials on the Road to Financial Independence | JL Collins | 070 Jennifer Rozelle (coming in February 2025)   If you enjoyed this episode, please follow the show on your podcast player and leave us a rating or review. If you want to watch, be sure to subscribe to our YouTube Channel. This helps others find the show and keeps us creating great content for you!   Disclaimer: Our content is for general education and information purposes only. We are not providing financial, legal, or tax advice. Always do your own research or consult a professional before making important decisions.

In this episode, we talk with Jen and Jill from the Frugal Friends Podcast and authors of the new book Buy What You Love Without Going Broke. They believe the secret to saving money isn't in coupons and sales, it's in identifying what you value and pursuing it unapologetically. We chat about how value-based spending can meet higher emotional and psychological needs beyond mere financial savings. The Frugal Friends also share personal stories of overcoming debt, understanding the 'real' needs behind our purchases, and how frugality can be both sustainable and enjoyable.    🔗Connect with us  Buy CUtFI a coffee  Record a message for CUtFI   🔥🔥🔥 Check out our new partners and affiliates:   💰MyBudgetCoach MyBudgetCoach is the only budgeting app to connect every user with a real-life coach from Day 1. You pick the coach that resonates most with you from their directory. You can message your coach or set up a one-on-one call with them for an additional fee. Unlock 35 Days of free financial coaching and start making Smart Money Moves plus receive 10% off subscription costs by entering code: Catchingup   🎓 Student Loan Planner Get a custom student loan plan from our CFP®, CFA and CSLP® professionals. Student Loan Planner has consulted on hundreds of millions in student debt and found millions in forecasted student loan savings for clients they've worked with. They charge a one-time fee for their thorough review. Our listeners receive $100 off a 1:1 consult using the link below. Flat fee is normally $595, but after your $100 off 'Catching Up to FI' discount, it's $495 👉🏼 Be sure to use this link: studentloanplanner.com/catchingup   📈 ProjectionLab Build Financial Plans You Love. ProjectionLab is a financial modeling tool for people seeking financial independence and retirement. Battle-test your plans against varying market conditions and build confidence in your chance of success using. Monte Carlo simulations. Get started for free. No sign-up or credit card required. 👉🏼 Be sure to use this link: https://projectionlab.com/?ref=catchingup   💸Lunch Money Lunch Money has been making personal finance management delightfully simple for the modern-day spender since 2019 and steadily built a loyal customer base of thousands of users in 30+ different countries. They have a pay-what-you-want pricing plan for annual subscriptions starting at $50. 👉🏼 Be sure to use this link: https://lunchmoney.app/?fp_ref=catchingup   For a full list of our partners, sponsors and affiliates, click here: catchinguptofi.com/our-partners   Resources mentioned on the show: (As an Amazon Associate, I earn from qualifying purchases.) 🌐 Frugal Friends Podcast 📗Order "Buy What You Love Without Going Broke" on Amazon Bloom for Women   If you enjoyed this episode, please follow the show on your podcast player and leave us a rating or review. If you want to watch, be sure to subscribe to our YouTube Channel. This helps others find the show and keeps us creating great content for you!   Disclaimer: Our content is for general education and information purposes only. We are not providing financial, legal, or tax advice. Always do your own research or consult a professional before making important decisions.

In this episode we are joined by the multi-talented Jordan Grumet, a hospice doctor, storyteller, and the host of the award-winning 'Earn & Invest' podcast. Jordan shares insights from his latest book, 'The Purpose Code', diving deep into the nuances of Big 'P' vs Little 'p' purpose, legacy, and finding true happiness. From his personal journey from medicine to financial independence, to discussing meaningful legacy and generational growth, Jordan offers valuable advice for late starters. Listen in to discover why Little 'p' Purpose might just be the key to a joyful and fulfilled life, and how you can start integrating it into your daily routine.   🔗Connect with us  Buy CUtFI a coffee  Record a message for CUtFI   In this episode, we talk with Jen and Jill from the Frugal Friends Podcast and authors of the new book Buy What You Love Without Going Broke. They  believe the secret to saving money isn't in coupons and sales, it's in identifying what you value and pursuing it unapologetically. We chat about how value-based spending can meet higher emotional and psychological needs beyond mere financial savings. The Frugal Friends also share personal stories of overcoming debt, understanding the 'real' needs behind our purchases, and how frugality can be both sustainable and enjoyable.    🔗Connect with us  Buy CUtFI a coffee  Record a message for CUtFI   🔥🔥🔥 Check out our new partners and affiliates:   💰MyBudgetCoach MyBudgetCoach is the only budgeting app to connect every user with a real-life coach from Day 1. You pick the coach that resonates most with you from their directory. You can message your coach or set up a one-on-one call with them for an additional fee. Unlock 35 Days of free financial coaching and start making Smart Money Moves plus receive 10% off subscription costs by using this link: https://projectionlab.com/?ref=catchingup   🎓 Student Loan Planner Get a custom student loan plan from our CFP®, CFA and CSLP® professionals. Student Loan Planner has consulted on hundreds of millions in student debt and found millions in forecasted student loan savings for clients they've worked with. They charge a one-time fee for their thorough review. Our listeners receive $100 off a 1:1 consult using the link below. Flat fee is normally $595, but after your $100 off 'Catching Up to FI' discount, it's $495. 👉🏼  Be sure to use this link: studentloanplanner.com/catchingup   📈 ProjectionLab Build Financial Plans You Love. ProjectionLab is a financial modeling tool for people seeking financial independence and retirement. Battle-test your plans against varying market conditions and build confidence in your chance of success using. Monte Carlo simulations. Get started for free. No sign-up or credit card required. 👉🏼  Be sure to use this link: projectionlab.com/catchingup   💸Lunch Money  Lunch Money has been making personal finance management delightfully simple for the modern-day spender since 2019 and steadily built a loyal customer base of thousands of users in 30+ different countries. They have a pay-what-you-want pricing plan for annual subscriptions starting at $50. 👉🏼  Be sure to use this link: https://lunchmoney.app/?fp_ref=catchingup   For a full list of our partners, sponsors and affiliates, click here: catchinguptofi.com/our-partners     Resources mentioned on the show: (As an Amazon Associate, I earn from qualifying purchases.) 🌐Earn and Invest Website & Podcast 🌐Jordan Grumet Website 📗Order The Purpose Code on Amazon 📗Order Taking Stock on Amazon Catching Up to FI Episode: Purpose, Identity, & Connection | Jordan Grumet | 022 If you enjoyed this episode, please follow the show on your podcast player and leave us a rating or review. If you want to watch, be sure to subscribe to our YouTube Channel. This helps others find the show and keeps us creating great content for you!   Disclaimer: Our content is for general education and information purposes only. We are not providing financial, legal, or tax advice. Always do your own research or consult a professional before making important decisions.

After 28 years of playing the weather girl on TV, Kristen Knapp moved to part time work to follow her passion for travel planning for the financial independence (FI) community. She shares her fascinating backstory of growing up in poverty, dealing with childhood money trauma, becoming a successful broadcast meteorologist, and ultimately achieving FI. As someone who loves to travel, loves to plan travel, and loves spending time with the FI community, she thought why not combine those things? So, she launched a new venture called 'FI Friends Travel' which offers travel experiences that bring the FI Community together to see the world! Join us as Kristen takes us through how she made this unlikely transformation, even after getting a late start. 🔗Connect with us  Buy CUtFI a coffee  Record a message for CUtFI   Thank you to our sponsor:  DeleteMe: Your personal data is yours again. Hands-free subscription service that removes you from data broker sites. Enter the code Catchingup at checkout to get 20% off  Resources mentioned on the show: 🌐 FI Friends Travel Email: [email protected]  CampFI Economy Conference Episode Mentioned: From Poverty to Wealth and Early Retirement | Jackie Cummings Koski | 007   If you enjoyed this episode, please follow the show on your podcast player and leave us a rating or review. If you want to watch, be sure to subscribe to our YouTube Channel. This helps others find the show and keeps us creating great content for you!   Disclaimer: Our content is for general education and information purposes only. We are not providing financial, legal, or tax advice. Always do your own research or consult a professional before making important decisions.

We love games so today we're bringing you a podcast takeover and having some fun with 'Money Jeopardy'! This was recorded live at FinCon 2024 (a conference for personal finance content creators) with 'The Struggle is Real' podcast, hosted by our friend Justin Peters. He's joined by Jackie Cummings Koski (your co-host on 'Catching Up to FI'), Joel Larsgaard from 'How to Money' and Justin Brown-Woods from 'Price of Avocado Toast' to play!  The contestants will be choosing questions from 4 categories: Binge or Cringe - are you in or out on this personal finance topic History of Money - a tough money-related trivia question Frugal or Cheap - are you being a good steward of your money or just a cheapo Fill in the blank - complete this statement We weigh in on some serious topics like: Is Couponing Worth it, Using Your Old Student ID for Discounts, Weirdest Way You've Made Money, and more. You will chuckle and laugh throughout this whole conversation, but you'll also pick up tips and tricks along the way.    🔗Connect with us  Buy CUtFI a coffee  Record a message for CUtFI   Thank you to our sponsor:  DeleteMe: Your personal data is yours again. Hands-free subscription service that removes you from data broker sites. Enter the code Catchingup at checkout to get 20% off    Resources mentioned on the show: As an Amazon Associate, I earn from qualifying purchases.) The Struggle is Real (Justin Peters) How to Money (Joel Larsgaard) Catching Up to FI (Jackie Cummings Koski) 📕 F.I.R.E. For Dummies ~ Jackie Cummings Koski  👉🏻 https://amzn.to/3BInEgu Price of Avocado Toast (Justin Brown-Woods) FinCon   If you enjoyed this episode, please follow the show on your podcast player and leave us a rating or review. If you want to watch, be sure to subscribe to our YouTube Channel. This helps others find the show and keeps us creating great content for you!   Disclaimer: Our content is for general education and information purposes only. We are not providing financial, legal, or tax advice. Always do your own research or consult a professional before making important decisions.

Happy Holidays! Join us for this lighthearted chat with a longtime friend of the show, Cody Garrett, CFP. He shares his list of the 24 common DIY investment mistakes that might be hindering your path to financial independence and some tips on how to fix them. He steps us through the list which includes things like underutilizing employer benefits, misunderstanding how the 4% "rule" should be applied, and assuming health insurance coverage is expensive in early retirement. Cody is the founder of Measure Twice Money and Measure Twice Planners, and known for his unique advice-only planning approach.  Be sure to listen to the end as Cody plays a beautiful Holiday piano medley to get us all in this spirit of the season.   🔗Connect with us  Buy CUtFI a coffee  Record a message for CUtFI   Thank you to our sponsor:  DeleteMe: Your personal data is yours again. Hands-free subscription service that removes you from data broker sites. Enter the code Catchingup at checkout to get 20% off    Resources mentioned on the show: 🌐 Measure Twice Planners 🌐 Measure Twice Money "Create Your Own Financial Plan" Comprehensive Video Course ($100 OFF) Cody's Create Your Own Financial Plan on YouTube (Free) Cody's Youtube Channel with recordings of real client meetings 24 DIY Investor Mistakes on LinkedIn 24 DIY Investor Mistakes on X (Twitter) 2024 Bogleheads Conference Recordings on YouTube     If you enjoyed this episode, please follow the show on your podcast player and leave us a rating or review. If you want to watch, be sure to subscribe to our YouTube Channel. This helps others find the show and keeps us creating great content for you!   Disclaimer: Our content is for general education and information purposes only. We are not providing financial, legal, or tax advice. Always do your own research or consult a professional before making important decisions.

In this episode we welcome the legendary Bill Bengen! He is the creator of the infamous 4% rule that is referenced in any quality conversation about retirement and withdrawal rates. There's been spirited debates and lengthy discussions about Bengen's research but there is no one better than the man himself to weigh in on what he thinks about it 30 years later. We talk about the evolution of Bengen's research, his thoughts on market timing vs. managing risk, and he gives us a preview of his upcoming book geared toward consumers.   🔗Connect with us  Buy CUtFI a coffee  Record a message for CUtFI   Thank you to our sponsor:  DeleteMe: Your personal data is yours again. Hands-free subscription service that removes you from data broker sites. Enter the code Catchingup at checkout to get 20% off    Resources mentioned on the show: (As an Amazon Associate, I earn from qualifying purchases.) 🌐 Bill Bengen Wikepedia page Bill Bengen on Kitces podcast/blog  📗 Conserving Client Portfolios During Retirement If you enjoyed this episode, please follow the show on your podcast player and leave us a rating or review. If you want to watch, be sure to subscribe to our YouTube Channel. This helps others find the show and keeps us creating great content for you!   Disclaimer: Our content is for general education and information purposes only. We are not providing financial, legal, or tax advice. Always do your own research or consult a professional before making important decisions.

Today Bill and Jackie are joined by another genius in the world of retirement planning research, David Blanchett, PhD, CFA, CFP. In his role at PGIM, David is responsible for Target Date Funds and Retirement Spending Portfolios. In this episode he discusses redefined retirement concepts, the myths surrounding the 60/40 portfolio and some practical adjustments of the 4% rule. He also explains the 'retirement spending smile,' and retirement strategies for late starters.   🔗Connect with us  Buy CUtFI a coffee  Record a message for CUtFI   Thank you to our sponsor:  DeleteMe: Your personal data is yours again. Hands-free subscription service that removes you from data broker sites. Enter the code Catchingup at checkout to get 20% off    Resources mentioned on the show: 🌐David's Website David's Latest Research A Time-Honored Strategy Puts Your Retirement at Risk of Financial Ruin Guided Spending Rates: Rethinking "Safe" Initial Withdrawal Rates Redefining the Optimal Retirement Income Strategy   If you enjoyed this episode, please follow the show on your podcast player and leave us a rating or review. If you want to watch, be sure to subscribe to our YouTube Channel. This helps others find the show and keeps us creating great content for you!   Disclaimer: Our content is for general education and information purposes only. We are not providing financial, legal, or tax advice. Always do your own research or consult a professional before making important decisions.

In this episode we turn the tables as Bill joins Dr. Jay Zigmont, CFP on the Childfree Wealth podcast. Bill shares his journey as a late starter physician who lived largely a paycheck-to-paycheck existence until waking up at age 50. He now co-hosts the 'Catching Up to FI' podcast to help other late starters. Jay is the author of the upcoming book 'The Childfree Guide to Life and Money' and the founder of Childfree Wealth, a financial planning firm that addresses the needs of childfree people in a way that traditional financial companies don't. Jay and Bill cover topics like investing, long-term care, and preparing for unexpected medical emergencies.   🔗Connect with us  Buy CUtFI a coffee  Record a message for CUtFI   Thank you to our sponsor:  DeleteMe: Your personal data is yours again. Hands-free subscription service that removes you from data broker sites. Enter the code Catchingup at checkout to get 20% off    Resources mentioned on the show: 🌐 Childfree Wealth  Order Jay's new book: The Childfree Guide to Life and Money   If you enjoyed this episode, please follow the show on your podcast player and leave us a rating or review. If you want to watch, be sure to subscribe to our YouTube Channel. This helps others find the show and keeps us creating great content for you!   Disclaimer: Our content is for general education and information purposes only. We are not providing financial, legal, or tax advice. Always do your own research or consult a professional before making important decisions.

Hard to believe that 2024 is almost over but before we close it out, we have some end-of-year financial tips with special guest Eric Simonson, CFP and CEO of Abundo Wealth (an advice-only financial planning firm). Eric shares insights on maximizing different types of contributions, FSAs, charitable donations, and other tax strategies. There are a few things you'll want to check off your financial to-do list before December 31st; some have a true deadline, and others are smart things you should review every year.   Eric also clues us in on a unique service the firm offers- 'travel hacking'. They love teaching skills such as budgeting for trips, finding cost-effective travel options, and maximizing travel rewards programs for their clients.    🔗Connect with us  Buy CUtFI a coffee  Record a message for CUtFI   Thank you to our sponsor:  DeleteMe: Your personal data is yours again. Hands-free subscription service that removes you from data broker sites. Enter the code Catchingup at checkout to get 20% off    Resources mentioned on the show: 🌐 Abundo Wealth: Advice-Only Financial Planning for Everyone  End of Year Financial Checklist: The Must-Do's  Abundo Wealth Blog Eric Simonson Interview on Kitces podcast Beginning in 2025, the catch-up contribution increases for those age 60, 61, 62 or 63 is an extra $11,250   If you enjoyed this episode, please follow the show on your podcast player and leave us a rating or review. If you want to watch, be sure to subscribe to our YouTube Channel. This helps others find the show and keeps us creating great content for you!   Disclaimer: Our content is for general education and information purposes only. We are not providing financial, legal, or tax advice. Always do your own research or consult a professional before making important decisions.

Our guest today is Jacqueline (Jack) Howard, head of Money Wellness at Ally Financial, a leading voice in financial health & wellness, and fierce change maker. We are thrilled to bring you this special episode recorded live from FinCon 2024 in Atlanta, GA! It's no secret that we love Ally and talk about them often on the podcast. From the high yield savings accounts to the cool buckets that are perfect for allocating your sinking funds, they're our favorite. But what really blew us away in this interview was Jack's money story and how it led to her incredible work as the face of financial wellness at Ally.  Jack blends personal finance and psychology to help people achieve holistic financial well-being that helps shift their perspective on money. She shares more about Ally's newest community initiative, Money Roots, a free financial education program designed to help people uncover the 'why' behind their money behaviors. Jack also gets vulnerable with us as she shares her own resilient story of the loss of her mother as a young girl and winning her heroic battle against breast cancer. With her giving spirit, she proudly served as chair of the Making Strides Against Breast Cancer of Detroit in 2023 and 2024. Special thanks to LLC Attorney for sponsoring the Podcast booth at FinCon 2024.   🔗Connect with us  Buy CUtFI a coffee  Record a message for CUtFI   Thank you to our sponsor:  DeleteMe: Your personal data is yours again. Hands-free subscription service that removes you from data broker sites. Enter the code Catchingup at checkout to get 20% off    Resources mentioned on the show: 🌐 Ally.com Sign up for free Ally 'Money Roots' Virtual Workshop 5 steps to uncover your money story Jack's appearance on the show 'Side Hustlers' (Episode 2) Catching Up to FI Episode: Sinking Funds Are Sexy | Bill Yount & Becky Heptig | 003 Support Jack's favorite charity: Making Strides Against Breast Cancer of Detroit (Search on 'Jacqueline Howard')   If you enjoyed this episode, please follow the show on your podcast player and leave us a rating or review. This helps others find the show and keeps us creating great content for you!   Disclaimer: Our content is for general education and information purposes only. We are not providing financial, legal, or tax advice. Always do your own research or consult a professional before making important decisions.

Karsten Jeske also known as "Big ERN" is the founder and genius behind Early Retirement Now. He writes on all topics related to personal finance but is best known for his comprehensive series on safe withdrawal strategies.  In this episode he dives deep into the intricacies of safe withdrawal rates, sequence of return risk, the importance of market valuations for retirees and the 'one more year' syndrome often discussed in the Financial Independence community. Karsten also shares his personal journey from a modest upbringing in Germany to early retirement in the U.S.   🔗Connect with us  Buy CUtFI a coffee  Record a message for CUtFI   Thank you to our sponsor:  DeleteMe: Your personal data is yours again. Hands-free subscription service that removes you from data broker sites. Enter the code Catchingup at checkout to get 20% off    Resources mentioned on the show: 🌐 Early Retirement Now The Safe Withdrawal Rate Series Ten things the "Makers" of the 4% Rule don't want you to know (SWR Series Part 26) Karsten on Two Sides of FI YouTube    If you enjoyed this episode, please follow the show on your podcast player and leave us a rating or review. This helps others find the show and keeps us creating great content for you!   Disclaimer: Our content is for general education and information purposes only. We are not providing financial, legal, or tax advice. Always do your own research or consult a professional before making important decisions.

In this episode, Jesse Cramer discusses the essential considerations for pre and post-retirement planning and the major factors late starters should consider. Jesse is founder of the award winning 'The Best Interest' blog and podcast. He left a career as a mechanical and aerospace engineer to work with clients at a fiduciary, fee-only financial planning firm. Now, he uses those valuable engineering skills to simplify the most complex financial topics into fun explanations for his clients and his audience.    🔗Connect with us  Buy CUtFI a coffee  Record a message for CUtFI   Thank you to our sponsors:  Boomer Benefits: The nation's leading family-owned Medicare brokers  DeleteMe: Your personal data is yours again. Hands-free subscription service that removes you from data broker sites. Enter the code Catchingup at checkout to get 20% off  Resources mentioned on the show: 🌐 Best Interest Blog Best Interest Podcast Blog Post: The Market Reacts to An Assassination Attempt Blog Post: It's Not Too Late: 6 Finance Tips for Older Beginners Blog Post:  NVIDIA's Day in the Sun(flower) Social Security Made Simple | Mike Piper | 054 Open Social Security calculator   Disclaimer: Our content is for general education and information purposes only. We are not providing financial, legal, or tax advice. Always do your own research or consult a professional before making important decisions.

By day, Dr. Disha Spath is an internist caring for her patient's physical and mental health.  By night, my she's known as The Frugal Physician and hosts the Finding Financial Freedom podcast. In this episode, Disha shares her personal journey from financial struggles to becoming an advocate for frugality and financial independence. She also discusses the differences between frugal and cheap, the gender wage gap, and strategies to manage income disparities in relationships.  *Trigger warning: There are brief mentions of suicide in this episode.   🔗Connect with us  Buy CUtFI a coffee  Record a message for CUtFI   Thank you to our sponsors:  Boomer Benefits: The nation's leading family-owned Medicare brokers  DeleteMe: Your personal data is yours again. Hands-free subscription service that removes you from data broker sites. Enter the code Catchingup at checkout to get 20% off    Resources mentioned on the show: (As an Amazon Associate, I earn from qualifying purchases.) 🌐 The Frugal Physician Finding Financial Freedom Podcast SPIVA® U.S. Scorecard, Year-End 2023, S&P Dow Jones Indices  "The Loser's Game" by Charles D. Ellis, Financial Analysts Journal, Jan/Feb, 1995 "Why Lifestyle Creep is Mostly a Myth" by Nick Maggiulli, Of Dollars And Data, July 23,2024 "She makes $550K a year. Her husband makes $60K.  Here is how it affects her relationship", July 25, 2024, CNBC   Disclaimer: Our content is for general education and information purposes only. We are not providing financial, legal, or tax advice. Always do your own research or consult a professional before making important decisions.

Andy Hill is an award-winning blogger, podcaster, Youtuber and family finance coach. All under the brand of 'Marriage, Kids, and Money', his primary focus is helping families build wealth and happiness. He shares his inspiring story of going from a $50,000 negative net worth to achieving financial independence and now living his best 'Coast FI' life with his family. Andy also shares how he is creating a meaningful legacy of giving and generosity with his kids.   🔗Connect with us  Buy CUtFI a coffee  Record a message for CUtFI   Thank you to our sponsors:  Boomer Benefits: The nation's leading family-owned Medicare brokers https://boomerbenefits.com/catchingup/   DeleteMe: Your personal data is yours again. Hands-free subscription service that removes you from data broker sites. Enter the code Catchingup at checkout to get 20% off  http://joindeleteme.com/catchingup   Resources mentioned on the show: (As an Amazon Associate, I earn from qualifying purchases.) 🌐 Marriage, Kids, and Money Website https://www.marriagekidsandmoney.com YouTube https://www.youtube.com/@MarriageKidsandMoney Instagram http://instagram.com/marriagekidsandmoney Podcast https://marriagekidsandmoney.com/podcast-archive/ Coast FIRE Number: What Is It And How To Calculate It https://marriagekidsandmoney.com/coast-fire-number/  Charities for Children: 12 Organizations Giving Kids a Better Chance at Life https://marriagekidsandmoney.com/top-charities-for-children/ An Alternative to 10% Giving for the Modern Family https://marriagekidsandmoney.com/podcast/alternative-to-10-percent-giving/   🕒 Timestamps/Chapters: 00:00 The Financial Wake-Up Call 00:41 Discovering the Debt-Free Movements  02:25 Introduction to Andy Hill 06:18 Andy Hill's Financial Journey 13:37 The House Blunders and Lessons Learned 17:31 The Psychological Benefits of Being Mortgage-Free 28:02 Understanding Coast FI 31:47 Understanding Coast FI 33:16 Personal Journey to Coast FI 33:41 Balancing Work and Life 35:22 Marriage Counseling and Career Shift 38:38 Transition to Financial Coaching 42:40 Generational Wealth and Giving 44:33 Teaching Kids About Money and Generosity 53:17 Family Traditions and Generosity 55:25 Final Thoughts and Reflections   Disclaimer: Our content is for general education and information purposes only. We are not providing financial, legal, or tax advice. Always do your own research or consult a professional before making important decisions.

This episode explores the intricate and confusing world of Medicare with leading expert Danielle Roberts. Danielle is founding partner at Boomer Benefits, an agency that has helped thousands of ordinary Americans learn and navigate their entry into Medicare since 2005. She's also author of the bestselling book '10 Costly Medicare Mistakes You Can't Afford to Make'. Danielle breaks through the confusion and explains Medicare's history, enrollment rules, Parts A, B, C, and D, and the differences between Medigap and Medicare Advantage plans. Discover the importance of early planning, common pitfalls to avoid, and critical decisions about Medicare coverage.   🔗Connect with us  Buy CUtFI a coffee  Record a message for CUtFI   Thank you to our sponsors: Boomer Benefits: The nation's leading family-owned Medicare brokers https://boomerbenefits.com/catchingup/  DeleteMe: Your personal data is yours again. Hands-free subscription service that removes you from data broker sites. Enter the code Catchingup at checkout to get 20% off  http://joindeleteme.com/catchingup   Resources mentioned on the show: (As an Amazon Associate, I earn from qualifying purchases.) 🌐 Boomer Benefits Website: https://boomerbenefits.com  Boomer Benefits YouTube Channel:  https://youtube.com/@boomerbenefits Boomer Benefits Facebook Group: https://m.facebook.com/groups/BoomerBenefits/ 📗 10 Costly Medicare Mistakes You Can't Afford to Make: https://amzn.to/3BLdL1b   Catching Up to FI Health Savings Account Episode Part 1, Episode 98:  https://www.youtube.com/watch?v=8vaUH8UfPTQ&t=3629s   Catching Up to FI Health Savings Account Episode Part 2, Episode 99:  https://www.youtube.com/watch?v=36S67X4s4pc&t=8s     🕒 Timestamps/Chapters: 00:00 Introduction to Medicare Planning 00:25 Common Medicare Mistakes 01:28 Welcome to Catching Up to FI 02:04 Shoutouts and Acknowledgements 03:31 Introducing Danielle Roberts 05:31 History and Evolution of Medicare 07:59 Medicare Eligibility and Enrollment 10:55 Understanding Medicare Parts A and B 18:40 Medicare Part D: Drug Coverage 27:24 Medigap Plans Explained 36:56 Medicare Advantage Plans 42:17 Understanding Medigap and Medicare Advantage Plans 44:00 Cost Savings with Medicare Advantage 45:21 Tips for Medicare Advantage Plan Holders 46:57 Using HSA Dollars for Medicare Premiums 50:56 Common Medicare Mistakes to Avoid 01:08:22 The Importance of Reviewing Your Coverage Annually 01:12:19 Final Thoughts and Future of Medicare     Disclaimer: Our content is for general education and information purposes only. We are not providing financial, legal, or tax advice. Always do your own research or consult a professional before making important decisions.

Cris Gawlik sold all her possessions in 2019 to travel the world, and in this episode she shares her fascinating nomadic journey. Learn how she utilizes geo-arbitrage, manages her finances on the go, and maintains strong social connections across the globe. She gives us insights into how she handles banking, health insurance, and taxes while living internationally. This conversation provides a comprehensive guide for those considering a similar path to financial independence. Get inspired by her creative approach to generating income and the community she finds along her adventurous journey.   🔗Connect with us  Buy CUtFI a coffee  Record a message for CUtFI   Thank you to our sponsor: DeleteMe: Your personal data is yours again Hands-free subscription service that removes you from data broker sites. Enter the code Catchingup at checkout to get 20% off:  http://joindeleteme.com/catchingup   Resources mentioned on the show: (As an Amazon Associate, I earn from qualifying purchases.) Website https://christinagawlik.wixsite.com/asuitcaseandasmile   Facebook https://www.facebook.com/asuitcaseandasmile   Linktree https://linktr.ee/ChristinaGawlik   IRS Foreign earned income exclusion https://www.irs.gov/individuals/international-taxpayers/foreign-earned-income-exclusion   🕒 Timestamps/Chapters: 00:00 Why I Chose to Leave the U.S. 00:38 Designing a Life Abroad 02:18 Welcome to Catching Up to FI 03:19 Introducing Dr. Christina Gawlik 04:34 Chris's Nomadic Lifestyle 08:01 Early Life and Influences 13:47 Financial Missteps and Lessons Learned 22:03 Transition to a Nomadic Life 32:31 Building a Business on the Road40:10 Creative Job Hunting Strategies 41:29 Navigating Logistics as a Digital Nomad 41:52 Banking Tips for Global Travelers 46:16 Overcoming Language Barriers 48:16 Health Insurance and Medical Care Abroad 57:48 Handling Taxes as an Expat 59:32 Social Life and Loneliness 01:02:50 Impact of COVID-19 on Nomadic Life 01:06:12 Future Plans and Reflections   Disclaimer: Our content is for general education and information purposes only. We are not providing financial, legal, or tax advice. Always do your own research or consult a professional before making important decisions.

Subscribe and Watch on YouTube Join host Bill and guest Diana Falck as they explore the intersection of community resilience and getting involved. In the wake of a recent crisis in Western North Carolina and East Tennessee, the duo highlights local relief efforts and community collaboration. Then in this special 100th episode, we get back to the basics with a step-by-step guide for late starters on the path to financial independence. Our guest for this special episode is original Catching Up to FI co-host, Becky Heptig! She joins Bill and Jackie as they share insights and guide you through how to get on track with your finances. They not only share what to do but in what order. It's hard starting late and feeling like you've done everything wrong. The good news is, there is time to catch up and this is the place to start.  🔗Connect with us  Buy CUtFI a coffee  Record a message for CUtFI Thank you to our sponsors: 💵 Abundo Wealth: Advice-Only Financial Planning for Everyone https://www.abundowealth.com ❌ DeleteMe: Your personal data is yours again http://joindeleteme.com/catchingup 🧑🏼‍🏫 Personal Finance Club (Use code CUTOFI to get $30 OFF) PFC courses https://courses.personalfinanceclub.com/?ref=0114d0 or PFC investing course only https://courses.personalfinanceclub.com/courses/build-wealth-by-investing-in-index-funds?ref=0114d0 🍑 Nectarine: Advice-Only Financial Advisors https://hellonectarine.com/r/cutfi (Catching Up to FI will be compensated by Nectarine if you use our affiliate link, which creates an incentive and conflict of interest. We are not current clients or employees of Nectarine.) 🏦 Boston Institute of Finance Personal Growth Track: Enter code catchingup to get 5% off any "Personal Growth Track" course or package http://www.bostonifi.com/personal-growth Resources mentioned on the show: (As an Amazon Associate, I earn from qualifying purchases.) Red Cross: Donate  Episodes: Retiring Before Mom & Dad | Rob Berger | 25 A Hero's Journey: The Mother of All Case Studies! | Krista and Ed Kim | 97  Enoughness: Your Life or Your Money | Vicki Robin | 95 Doña Quixote, Life Energy, and The Coming of Aging | Vicki Robin | 94  Catch-Up Contributions 📗Your Money or Your Life: 9 Steps to Transforming Your Relationship with Money and Achieving Financial Independence Shocking Simple Math Behind Early Retirement ~Mr. Money Mustache The Simple Path to Wealth: Your Road Map to Financial Independence and a Rich, Free Life ~JL Collins Ally High Yield Savings Account (4% as of 10/4/24 + $100 Bonus with direct deposit-by 12/31/22024) Personal Finance Club - example for late starters:  https://www.personalfinanceclub.com/is-it-too-late-to-start-to-investing The Ultimate Investing Checklist: https://www.personalfinanceclub.com/the-ultimate-investing-checklist Ground Rules according to the Money Guys 2/1/24: https://moneyguy.com/article/foo 🕒 Timestamps/Chapters: 00:00 Call to Action: How You Can Help in the Disaster in North Carolina and Tennessee 05:28 Introduction 07:50 Celebrating 100 Episodes with Becky Heptig 10:52 Why People Get a Late Start in Financial Independence 17:16 Disadvantages of a Late Start 25:26 Advantages of a Late Start 38:01 Financial Order of Operations for Late Starters 44:57 Eliminating Debt: The First Step to Financial Freedom 45:57 Big Picture Wealth Building Strategies 47:27 Calculating Your Net Worth and FI Number  49:32 Increasing Income and Reducing Expenses 51:06 Playing Defense: Insurance and Protection 54:51 Offensive Strategies: Emergency Funds and Employer Matches 01:01:35 Investing Wisely: Roth IRAs, HSAs, and More 01:06:15 Risk Tolerance and Rebalancing Your Portfolio 01:10:02 Maximizing Employer Plans and Mid-Range Debts 01:12:55 Hyperaccumulation and Taxable Brokerage Accounts 01:16:06 Prepaying Future Expenses and College Funding 01:22:57 Reevaluating and Automating Your Financial Plan 01:27:09 Final Thoughts and Encouragement 🎧 Listen & Subscribe: Don't forget to subscribe to "Catching Up to FI" for more insightful episodes. Tap the bell icon 🔔 to get notified of new episodes! ✍🏻 Leave a Comment: Share your thoughts or experiences in the comments below. Have questions for our guests or the hosts? Drop them here, and we'll get back to you! 👍🏻👍🏿 Like, Share, and Subscribe: If you enjoyed this episode, please like, share, and subscribe! Your support helps us bring more valuable content to you. Disclaimer: Our content is for general education and information purposes only. We are not providing financial, legal, or tax advice. Always do your own research or consult a professional before making important decisions.

In the second episode of this special two-part series we continue with our deep dive conversation about Health Savings Accounts (HSAs) with Bill and Jackie, and guest co-host, Jeff York (also known as the Wealthy Custodian from episode 74 & 76). We break down in-depth scenarios, including unique contribution rules for domestic partners and adult children, investment strategies, drawdown plans and estate planning considerations. We answer listener questions and share our wish list for HSAs in the future. For this episode we are providing a formal presentation here: PDF of Full HSA Presentation    🔗Connect with us  Buy CUtFI a coffee  Record a message for CUtFI   Thank you to our sponsors:  Abundo Wealth: Advice-Only Financial Planning for Everyone  DeleteMe: Your personal data is yours again Personal Finance Club: Use code CUTOFI to get $30 OFF any course or PFC investing course only Nectarine: Advice-Only Financial Advisors (Catching Up to FI will be compensated by Nectarine if you use our affiliate link, which creates an incentive and conflict of interest. We are not current clients or employees of Nectarine.)  Boston Institute of Finance Personal Growth Track: Enter code catchingup to get 5% off any "Personal Growth Track" course or package   Resources mentioned on the show: (As an Amazon Associate, I earn from qualifying purchases.) HSA Rules and Regulations (IRS Pub#969) Qualified Medical/Dental/Vision Expenses (IRS Pub#502) Preventive Care and Chronic Conditions (IRS Notice) Morningstar / Best HSA Providers  Kitces / HSA 'Deathbed Drawdown' Fidelity / HSA Education   Wex Health / HDHP with HSA vs. traditional health plan calculator Consumer Friendly List of HSA-Eligible expenses     🕒 Time stamps: 00:00 Introduction to HSA Series Part Two 00:23 Maximizing HSA Contributions for Families 02:34 Drawdown Strategies for Health Savings Accounts 06:59 Planning for HSA Beneficiaries 14:55 Case Study: Domestic Partners and HSA Contributions 20:06 Q&A Session: HSA Myths, Tips, and Tricks 28:17 Evaluating HSA Options for Chronic Conditions 28:53 Financial Considerations for High Deductible Plans 29:54 Using Calculators to Compare Health Plans 31:25 HSA Contributions and Family Plans 33:18 Maximizing HSA Benefits and Investment Strategies 43:54 Legislative Changes and Future of HSAs 47:57 HSAs for Late Starters in Financial Independence 53:01 Conclusion and Final Thoughts     Disclaimer: Our content is for general education and information purposes only. We are not providing financial, legal, or tax advice. Always do your own research or consult a professional before making important decisions.

In this special two-part episode we unveil the 'Wealthy Custodian,' Jeff York (from episode 74 & 76), and take a deep dive into the world of Health Savings Accounts (HSAs). Jeff joins as co-host along with Bill and Jackie (our HSA Maven) to share how they supersized thier HSAs and discovered how powerful they can be on the path to FI. This comprehensive series starts with Part 1 where we explore tips, tricks, and common misconceptions about HSAs and tackle little known strategies that are rarely discussed. We'll also talk about who should consider a high deductible plan, eligible expenses, bright ideas like using your HSA for health expenses abroad, and even IRA to HSA transfers. Whether you are new to HSAs or looking to maximize your FI strategy, you won't want to miss this episode. Stay tuned for Part 2 where we explore HSA drawdown strategies, advanced scenarios and answer listener questions! For this episode we are providing a formal presentation here: PDF of Full HSA Presentation    🔗Connect with us  Buy CUtFI a coffee  Record a message for CUtFI   Thank you to our sponsors:  Abundo Wealth: Advice-Only Financial Planning for Everyone  DeleteMe: Your personal data is yours again Personal Finance Club: Use code CUTOFI to get $30 OFF any course or PFC investing course only Nectarine: Advice-Only Financial Advisors (Catching Up to FI will be compensated by Nectarine if you use our affiliate link, which creates an incentive and conflict of interest. We are not current clients or employees of Nectarine.)  Boston Institute of Finance Personal Growth Track: Enter code catchingup to get 5% off any "Personal Growth Track" course or package   Resources mentioned on the show: (As an Amazon Associate, I earn from qualifying purchases.) HSA Rules and Regulations (IRS Pub#969) Qualified Medical/Dental/Vision Expenses (IRS Pub#502) Preventive Care and Chronic Conditions (IRS Notice) Morningstar / Best HSA Providers  Kitces / HSA 'Deathbed Drawdown' Fidelity / HSA Education   Wex Health / HDHP with HSA vs. traditional health plan calculator Consumer Friendly List of HSA-Eligible expenses   🕒 Time stamps: 00:00 Introduction to the Special Episode 00:07 Unveiling the Wealthy Custodian 00:33 Diving into HSAs: Tips, Tricks, and Misnomers 03:00 Personal HSA Journeys 13:09 Understanding High Deductible Plans 25:02 Flexible Spending Accounts vs. Health Savings Accounts 28:11 HSA Eligibility and Contribution Limits 34:09 State-Specific HSA Tax Rules 37:58 Unique Provisions for Different States 38:10 Understanding the Last Month Rule 40:09 HSA Eligible Expenses 41:48 Supersizing Your HSA 42:27 Investment Strategies for HSA 44:50 Maximizing Contributions and Advanced Strategies 47:20 Reimbursement Strategies and Record Keeping 52:40 IRA to HSA Conversions 01:02:16 Bright Ideas for HSA Usage 01:09:21 Using HSA Funds Abroad 01:11:30 Conclusion and Final Thoughts   Disclaimer: Our content is for general education and information purposes only. We are not providing financial, legal, or tax advice. Always do your own research or consult a professional before making important decisions. 

This heartfelt episode dives into the incredible story of Krista and Ed. From growing up in poverty to facing financial insecurity as adults, this resilient couple shares their journey of overcoming adversity and finding hope in the FIRE movement. Discover how a deep bond of love, open communication, strategic planning, and an unwavering spirit led them to financial independence. Learn about their pivotal experiences, including a live case study at the EconoMe conference and actionable tips that can help you on your financial journey. Don't miss their powerful message of never giving up and transforming your dreams into reality.   🔗Connect with us  Buy CUtFI a coffee  Record a message for CUtFI   Thank you to our sponsors:  Abundo Wealth: Advice-Only Financial Planning for Everyone  DeleteMe: Your personal data is yours again Personal Finance Club: Use code CUTOFI to get $30 OFF any course or PFC investing course only Nectarine: Advice-Only Financial Advisors (Catching Up to FI will be compensated by Nectarine if you use our affiliate link, which creates an incentive and conflict of interest. We are not current clients or employees of Nectarine.)  Boston Institute of Finance Personal Growth Track: Enter code catchingup to get 5% off any "Personal Growth Track" course or package   Resources mentioned on the show: (As an Amazon Associate, I earn from qualifying purchases.)   EconoMe Case Study: Real Life Numbers   Case Study Template   🕒 Time stamps:       00:00 A Childhood of Hardship and Resilience 02:11 Introduction to the Case Study 02:27 Meet Krista and Ed 03:03 The Financial Journey Begins 06:37 Krista's Reading Habit 08:11 Ed's Gaming Passion 08:45 Ed's Immigrant Upbringing 15:00 Krista's Struggles and Triumphs 25:44 The Debt Story Unfolds 36:56 Exploring Contentment and Consumerism 37:16 Discovering the FI Movement 39:09 Joining the ChooseFI Community 41:32 Applying for the EconoMe Case Study 42:49 Sharing Financial Details Publicly 45:53 Case Study Insights and Learnings 47:22 Financial Goals and Planning 52:57 Budgeting and Debt Management 01:03:59 Investment Strategies and Risk Tolerance 01:07:25 Final Thoughts and Advice for Late Starters   Disclaimer: Our content is for general education and information purposes only. We are not providing financial, legal, or tax advice. Always do your own research or consult a professional before making important decisions.

Former award-winning teacher turned educator on financial literacy and relationships, Brian Page discusses the concept of 'Modern Husbands' and the importance of viewing marriage as a partnership. Learn about his innovative Marriage Toolkit, designed with insights from over 30 experts, and discover practical tips on managing money, home, careers, and family life in the 21st century. From navigating second marriages to conducting effective money dates, this episode is packed with valuable advice for couples looking to achieve financial harmony and a thriving relationship. 🔗Connect with us  Buy CUtFI a coffee  Record a message for CUtFI   Thank you to our sponsors: Modern Husbands Marriage Toolkit:  60+ lessons with evidence-based ideas from 40+ of the nation's leading experts in managing money and the home as a team. Use this link to get the toolkit for just $299 ($100 off).   Abundo Wealth: Advice-Only Financial Planning for Everyone  DeleteMe: Your personal data is yours again Personal Finance Club: Use code CUTOFI to get $30 OFF any course or PFC investing course only Nectarine: Advice-Only Financial Advisors (Catching Up to FI will be compensated by Nectarine if you use our affiliate link, which creates an incentive and conflict of interest. We are not current clients or employees of Nectarine.)  Boston Institute of Finance Personal Growth Track: Enter code catchingup to get 5% off any "Personal Growth Track" course or package   Resources mentioned on the show: (As an Amazon Associate, I earn from qualifying purchases.) Modern Husbands Website Modern Husbands Podcast Modern Husbands Marriage Toolkit   🕒 Time stamps:       00:00 Introduction to Modern Husbands 00:30 The Money Date Lottery Ticket 01:08 The Marriage Toolkit 02:07 Welcome to Catching Up to FI 02:30 Introducing Brian Page 02:40 Brian's Career Shift 03:32 Brian's Accolades and Personal Life 04:31 Defining the Modern Husband 05:09 Supporting Ambitious Partners 06:27 Brian's Career Transition 08:05 Personal Finance and Relationships 10:14 Brian's Upbringing and Money Memories 14:58 Early Retirement and Frugality 18:52 Becoming a Personal Finance Teacher 19:37 Financial Independence Journey 21:27 Challenges of Modern Husbands 23:01 Higher Divorce Rates in Female Breadwinner Households 27:37 John Gottman and Relationship Dynamics 28:11 Commingling Finances in Marriages 30:57 Financial Translucency: Yours, Mine, and Ours 32:43 Navigating Finances in Second Marriages 33:55 Introducing the Marriage Toolkit 44:16 The Importance of Money Dates 51:34 Engaging Your Partner in Financial Conversations 57:17 Conclusion and Toolkit Access   Disclaimer: Our content is for general education and information purposes only. We are not providing financial, legal, or tax advice. Always do your own research or consult a professional before making important decisions.

Join hosts Bill and Jackie as they delve into a profound conversation with Vicki Robin, co-author of 'Your Money or Your Life.' Vicki discusses the concept of 'enoughness' as a spiritual practice and the fulfillment curve, offering insights into how recognizing enough can lead to a more satisfying life. The dialogue covers financial independence, the impact of societal norms, aging, and the emotional aspects of letting go. Explore Vicki's unique perspective on how living simply and investing in community can transform our lives and the world around us. This episode is a rich tapestry of wisdom for anyone seeking a deeper understanding of life's true value. 🔗Connect with us  Buy CUtFI a coffee  Record a message for CUtFI   Thank you to our sponsors:  Abundo Wealth: Advice-Only Financial Planning for Everyone  DeleteMe: Your personal data is yours again Personal Finance Club: Use code CUTOFI to get $30 OFF any course or PFC investing course only Nectarine: Advice-Only Financial Advisors (Catching Up to FI will be compensated by Nectarine if you use our affiliate link, which creates an incentive and conflict of interest. We are not current clients or employees of Nectarine.)  Boston Institute of Finance Personal Growth Track: Enter code catchingup to get 5% off any "Personal Growth Track" course or package   Resources mentioned on the show: (As an Amazon Associate, I earn from qualifying purchases.)   Website   Your Money or Your Life   Order Book- Your Money or Your Life   Coming of Age Substack   YouTube- What Could Possibly Go Right       Disclaimer: Our content is for general education and information purposes only. We are not providing financial, legal, or tax advice. Always do your own research or consult a professional before making important decisions.

Join Bill and Jackie in an engaging conversation with Vicki Robin, co-author of the best-selling book 'Your Money or Your Life'. Vicki shares her insightful philosophy on financial independence, community resilience, and the power of frugality. She discusses her journey from active community building to aging with purpose on Whidbey Island, and how she has woven herself into the fabric of her local community. This episode delves into the thought-provoking aspects of spending life energy wisely, the importance of supportive communities, and the meaningful transition of knowledge and responsibility to younger generations. Tune in to learn how Vicki has managed to align her values with her financial and personal investments and gain inspiration from her lifelong exploration of living a fulfilled life. 🔗Connect with us  Buy CUtFI a coffee  Record a message for CUtFI   Thank you to our sponsors: Abundo Wealth: Advice-Only Financial Planning for Everyone Personal Finance Club: Use code CUTOFI to get $30 OFF any course or PFC investing course only Measure Twice Money: $100 OFF "Create Your Own Financial Plan" Comprehensive Video Course Nectarine: Advice-Only Financial Advisors (Catching Up to FI will be compensated by Nectarine if you use our affiliate link, which creates an incentive and conflict of interest. We are not current clients or employees of Nectarine.)  Boston Institute of Finance Personal Growth Track: Enter code catchingup to get 5% off any "Personal Growth Track" course or package   Resources mentioned on the show: (As an Amazon Associate, I earn from qualifying purchases.)   Website   Your Money or Your Life   Order Book- Your Money or Your Life   Coming of Age Substack   YouTube- What Could Possibly Go Right     Disclaimer: Our content is for general education and information purposes only. We are not providing financial, legal, or tax advice. Always do your own research or consult a professional before making important decisions.

Subscribe and Watch on YouTube Kristy Shen and Bryce Leung are the dynamic duo behind the Millennial Revolution blog and movement. In this insightful episode, Kristy and Bryce discuss their journey from house-hunting to achieving Financial Independence (FI) and retiring in their early 30s. They delve into why they chose to reject traditional housing and career advice, their innovative 'POT Score' (Pay Over Tuition) method for evaluating education costs, and how they handle investments to maintain their FI lifestyle—despite new challenges like parenting. Discover their interesting perspectives on scarcity vs. abundance mindset, and how the FIRE approach has impacted their personal lives, relationships, and travel adventures. This episode is packed with financial wisdom and real-life experiences that will inspire late starters and aspiring FI enthusiasts alike. 🔗 Connect with us ☕ Buy CUtFI a coffee 📼 Record a message for CUtFI Thank you to our sponsors: Abundo Wealth: Advice-Only Financial Planning for Everyone Personal Finance Club: Use code CUTOFI to get $30 OFF any course or PFC investing course only Measure Twice Money: $100 OFF "Create Your Own Financial Plan" Comprehensive Video Course Nectarine: Advice-Only Financial Advisors (Catching Up to FI will be compensated by Nectarine if you use our affiliate link, which creates an incentive and conflict of interest. We are not current clients or employees of Nectarine.) Boston Institute of Finance Personal Growth Track: Enter code catchingup to get 5% off any "Personal Growth Track" course or package Resources mentioned on the show: (As an Amazon Associate, I earn from qualifying purchases.) Millennial-Revolution Quit Like A Millionaire Little Miss Evil CBC News Segment 🕒 Time stamps:                      00:00 The Unexpected Path to Financial Independence 00:24 Challenging Traditional Financial Advice 02:20 Introduction to the Guests: Christy Shen and Bryce Leung 04:53 Parenting and Financial Independence 05:52 Financial Strategies for Raising a Child 07:19 The Importance of Geographic Arbitrage 09:42 The Pay Over Tuition (POT) Score Explained 12:14 Balancing Financial Independence with Family Priorities 17:36 The Impact of FIRE on Personal Relationships 19:08 Scarcity Mindset as a Superpower 25:52 Overcoming the Fear of Investing 28:15 Investment Strategies for Canadians 34:07 Mitigating Sequence of Return Risk 36:32 Navigating Early Retirement Challenges 38:50 Understanding Yield Shield Components 45:57 Philosophy on Housing and FIRE 50:46 The Rule of 150 for Housing Costs 56:09 Adapting and Overcoming Challenges 01:00:19 Diversity in Books and Personal Finance 01:03:14 Final Thoughts and Reflections Disclaimer: We are not lawyers, financial advisors, accountants or tax experts. Please consult your own professional advisors before making any important decisions. Our content is for entertainment and education purposes only.

Subscribe and Watch on YouTube Meet Nadia and Nicole, the Wealth Twins! Raised by a single mother in New York City's toughest projects, these twin sisters overcame obstacles to graduate from Columbia University, work on Wall Street, and ultimately achieve early retirement. In this episode, they recount experiences from 9/11 and the 2008 financial crisis, discuss multifamily real estate and dividend investing strategies, and offer practical tips for late financial starters. Learn how they built the Wealth Twins platform to share their knowledge and drive towards financial independence. 🔗Connect with us  Buy CUtFI a coffee  Record a message for CUtFI Thank you to our sponsors: Personal Finance Club: Use code CUTOFI to get $30 OFF any course or PFC investing course only Measure Twice Money: $100 OFF "Create Your Own Financial Plan" Comprehensive Video Course Nectarine: Advice-Only Financial Advisors (Catching Up to FI will be compensated by Nectarine if you use our affiliate link, which creates an incentive and conflict of interest. We are not current clients or employees of Nectarine.) 🎙️SquadCast: The Cloud Recording Studio that Producers, Listeners, Guests, Creators, YouTubers Love & Trust  Boston Institute of Finance Personal Growth Track: Enter code catchingup to get 5% off any "Personal Growth Track" course or package Modern Husbands Marriage Toolkit: Empowers couples with evidence based ideas from 40+ of the nation's leading experts in managing money and the home as a team.    Real Talk Finance: Create a solid foundation and take control of your future   Resources mentioned on the show: 🌐 Wealth Twins YouTube ⓕ Facebook Instagram FinLitUniversity Broke to Financially Independent Retire Early in Less Than 10 years What To Do When You Are Investing For Retirement Later In Life   Top 5 ETFs to Buy for High Dividends and Passive Income    What is Dividend Investing and How to Start (3 Easy Strategies)    How to Invest – 7 Mistakes Beginner Investors Make     A Guided Meditation for When the Stock Market Is Dropping     Time stamps:   00:00 Defying Expectations: From Guidance Counselor Doubts to Ivy League Success 00:40 Avoiding Financial Scams: Tips for Beginners   02:29 Introduction to Catching Up to FI: Meet the Hosts and Guests   03:24 The Wealth Twins: From Humble Beginnings to Financial Independence   05:39 Discovering Twin Identity: The Twins Festival Experience       09:17 Money Management: Different Approaches to Saving and Spending       12:40 The Influence of a Single Mom: Education and Financial Lessons       18:14 Navigating Tragedy: 9/11 and the Financial Crisis       31:50 Building Passive Income: Real Estate, Dividends, and Entrepreneurship       36:36 Budgeting for Business and Personal Finances       37:03 Investing Together: Sharing Knowledge and Strategies       37:57 Real Estate and Business Management Insights       40:07 Principles of Financial Independence       41:45 The Wealth Twins: Origin and Mission       46:17 Dividend Investing Explained       56:25 Common Investing Mistakes to Avoid       01:11:21 Final Tips and Encouragement for Late Starters       Disclaimer: We are not lawyers, financial advisors, accountants or tax experts. Please consult your own professional advisors before making any important decisions. Our content is for entertainment and education purposes only.

Subscribe and Watch on YouTube Joe Saul-Sehy of Stacking Benjamins joins the show to discuss financial planning, overcoming debt, and the importance of surrounding yourself with the right people. Joe shares his personal journey of financial mismanagement as a young financial planner, the principles behind the efficient frontier, and his thoughts on target date funds. Tune in to learn and laugh with Joe, Bill, and Jackie.  🔗Connect with us  Buy CUtFI a coffee  Record a message for CUtFI Thank you to our sponsors: Personal Finance Club: Use code CUTOFI to get $30 OFF any course or PFC investing course only Measure Twice Money: $100 OFF "Create Your Own Financial Plan" Comprehensive Video Course Nectarine: Advice-Only Financial Advisors (Catching Up to FI will be compensated by Nectarine if you use our affiliate link, which creates an incentive and conflict of interest. We are not current clients or employees of Nectarine.) 🎙️SquadCast: The Cloud Recording Studio that Producers, Listeners, Guests, Creators, YouTubers Love & Trust  Boston Institute of Finance Personal Growth Track: Enter code catchingup to get 5% off any "Personal Growth Track" course or package Modern Husbands Marriage Toolkit: Empowers couples with evidence based ideas from 40+ of the nation's leading experts in managing money and the home as a team.      Real Talk Finance: Create a solid foundation and take control of your future      DeleteMe: Your personal data is yours again     Resources mentioned on the show: (As an Amazon Associate, I earn from qualifying purchases.)   👕 Stacking Benjamins T-shirts!: HTTP://stackingbenjamins.com/shirts 📕 STACKED: Your Super Serious Guide to Modern Money Management 👉🏻 https://amzn.to/3YlJAXB 🌐 Stacking Benjamins Benefits Guide ChooseFI EconoMe Frank Vasquez The Shockingly Simple Math Behind Early Retirement CampFI The Simple Path to Wealth by JL Collins Of Dollars and Data Paul Merriman Efficient Frontier Dr. Harry Markowitz  The Retirement Answer Man Rule of 72 Timestamps: 00:00 Living Two Lies: The Money Myth 00:29 The Fear of Making Mistakes 02:03 Welcome to Catching Up to FI 03:35 Introducing Joe Saul-Sehy 04:49 Ohio vs. Michigan: A Friendly Rivalry 09:38 Board Games and Life Lessons 14:04 Joe's Late Starter Story 23:53 Financial Planning Mistakes 32:37 Trivia Time: Swiss Cheese Production 33:26 Cheese and Roadside Attractions Trivia 35:22 Explaining the Efficient Frontier 37:11 The Simple Path to Wealth vs. The Optimal Path 42:22 Modern Portfolio Theory and Efficient Frontier 49:41 Listener Questions: Alternative Paths to Wealth 58:16 Target Date Funds: Pros and Cons 01:05:12 What's Next for Stacking Benjamins? 01:09:33 Final Thoughts and Farewell   Disclaimer: We are not lawyers, financial advisors, accountants or tax experts. Please consult your own professional advisors before making any important decisions. Our content is for entertainment and education purposes only.

Subscribe and Watch on YouTube Bill and Jackie sit down with 'Jay,' an anonymous guest who shares his incredible journey from a military and police background to achieving financial independence by the age of 39. Jay discusses his experiences on the SWAT team and as an undercover detective, and the mental health challenges that came with his career. He also talks about his blog, Escaping Avalon, and provides a deep dive into mental health strategies, therapy, and self-care. Whether you're a late starter on the path to FI or someone looking to improve your mental well-being, Jay offers invaluable insights and resources that can benefit everyone. Don't miss this compelling and informative conversation.  🔗Connect with us  Buy CUtFI a coffee  Record a message for CUtFI Thank you to our sponsors: Personal Finance Club: Use code CUTOFI to get $30 OFF any course or PFC investing course only Measure Twice Money: $100 OFF "Create Your Own Financial Plan" Comprehensive Video Course Nectarine: Advice-Only Financial Advisors (Catching Up to FI will be compensated by Nectarine if you use our affiliate link, which creates an incentive and conflict of interest. We are not current clients or employees of Nectarine.) 🎙️SquadCast: The Cloud Recording Studio that Producers, Listeners, Guests, Creators, YouTubers Love & Trust   Boston Institute of Finance Personal Growth Track: Enter code catchingup to get 5% off any "Personal Growth Track" course or package Modern Husbands Marriage Toolkit: Empowers couples with evidence based ideas from 40+ of the nation's leading experts in managing money and the home as a team.    Real Talk Finance: Create a solid foundation and take control of your future    DeleteMe: Your personal data is yours again   Resources mentioned on the show: (As an Amazon Associate, I earn from qualifying purchases.) Escaping Avalon  "Mental Health and FI" Talk Mental Health Resource Guide Mental Health Landing Page and PTSD Info Pathfinders: Extraordinary Stories of People Like You on the Quest for Financial Independence--And How to Join Them by JL Collins Total Money Makeover: A Proven Plan for Financial Fitness by Dave Ramsey Mr. Money Mustache Your Money or Your Life: 9 Steps to Transforming Your Relationship with Money and Achieving Financial Independence by Vicki Robin and Joe Dominguez Sebastian Junger Jillian Johnsrud Diania Merriam Outlive: The Science and Art of Longevity by Peter Attia and Bill Gifford Andrew Huberman   Disclaimer: We are not lawyers, financial advisors, accountants or tax experts. Please consult your own professional advisors before making any important decisions. Our content is for entertainment and education purposes only.

Meet David and Stephen Baughier, twin brothers and prominent figures in the Financial Independence community. David, a 20-year Navy veteran and founder of Fiology, and Stephen, creator of CampFI, share their financial journeys from early money lessons to becoming community leaders. David, Stephen, Bill, and Jackie discuss the impact of life events, such as divorce, on financial independence, and the importance of prenups, managing single parenthood, and balancing passion projects. Tune in for insights on creating supportive communities, innovative cohousing projects, and the significant role of mindset in achieving financial goals. 🔗Connect with us  Buy CUtFI a coffee  Record a message for CUtFI Thank you to our sponsors: Personal Finance Club: Use code CUTOFI to get $30 OFF any course or PFC investing course only Measure Twice Money: $100 OFF "Create Your Own Financial Plan" Comprehensive Video Course Nectarine: Advice-Only Financial Advisors (Catching Up to FI will be compensated by Nectarine if you use our affiliate link, which creates an incentive and conflict of interest. We are not current clients or employees of Nectarine.) 🎙️SquadCast: The Cloud Recording Studio that Producers, Listeners, Guests, Creators, YouTubers Love & Trust   Boston Institute of Finance Personal Growth Track: Enter code catchingup to get 5% off any "Personal Growth Track" course or package Modern Husbands Marriage Toolkit: Empowers couples with evidence based ideas from 40+ of the nation's leading experts in managing money and the home as a team.   Real Talk Finance: Create a solid foundation and take control of your future   DeleteMe: Your personal data is yours again   Resources mentioned on the show: (As an Amazon Associate, I earn from qualifying purchases.)   📗 The Fiology Workbook: Your Guide to Financial Independence CampFI EAGLE Cohousing  FIology Forget About Money Podcast Thrift Savings Plan The Shockingly Simple Math Behind Early Retirement ChooseFI Blue Zones The Cohousing Association of America Jacob Lund Fisker Can Prenups Really Save Your Marriage | Aaron Thomas | 081 00:00 Childhood Money Memories  00:37 The Impact of CampFI 02:17 Introduction to the Baughier Twins 03:39 David and Stephen's Financial Journeys 11:58 Military Service and Financial Lessons 16:59 Stephen's Path to Financial Independence 23:56 The Birth of CampFI 37:37 Life-Changing Impact of CampFI 38:45 What to Expect at CampFI 42:35 Breakout Sessions and Attendee-Led Discussions 45:39 Evolution of CampFI Topics 50:08 Introduction to Fiology 54:46 The Forget About Money Podcast 56:54 EAGLE: The Future of FI Cohousing 01:08:09 Single Player FI: Navigating Financial Independence Solo 01:16:19 Final Thoughts and Tips for Late Starters Disclaimer: We are not lawyers, financial advisors, accountants or tax experts. Please consult your own professional advisors before making any important decisions. Our content is for entertainment and education purposes only.

Today we dive deep into the stock market with special guest, Brian Feroldi. As a financial educator, YouTuber, and author of "Why Does the Stock Market Go Up?", Brian shares his wisdom on the long-term growth of the S&P 500, the significance of stock market indices, and the nuances of volatility and investment strategies. Bill, Jackie, and Brian discuss lump sum vs. dollar-cost averaging, dividends, and individual stock investing, while addressing common questions about tax implications and account types. Brian's passionate and detailed explanations offer invaluable insights for both new and seasoned investors. Don't miss the fascinating history of the 401k and why a solid understanding of the stock market is crucial for financial independence! 🔗Connect with us  Buy CUtFI a coffee  Record a message for CUtFI Thank you to our sponsors: Personal Finance Club: Use code CUTOFI to get $30 OFF any course or PFC investing course only Measure Twice Money: $100 OFF "Create Your Own Financial Plan" Comprehensive Video Course Nectarine: Advice-Only Financial Advisors (Catching Up to FI will be compensated by Nectarine if you use our affiliate link, which creates an incentive and conflict of interest. We are not current clients or employees of Nectarine.) 🎙️SquadCast: The Cloud Recording Studio that Producers, Listeners, Guests, Creators, YouTubers Love & Trust   Boston Institute of Finance Personal Growth Track: Enter code catchingup to get 5% off any "Personal Growth Track" course or package Modern Husbands Marriage Toolkit: Empowers couples with evidence based ideas from 40+ of the nation's leading experts in managing money and the home as a team.     Real Talk Finance: Create a solid foundation and take control of your future     DeleteMe: Your personal data is yours again     Resources mentioned on the show: (As an Amazon Associate, I earn from qualifying purchases.)     Find Brian on social media: YouTube   , X,    href="https://www.instagram.com/brianferoldi/">IG     Long-Term Mindset     Why Does The Stock Market Go Up?: Everything You Should Have Been Taught About Investing In School, But Weren't by Brian Feroldi     Money and the Mattress Podcast: Mastering Financial Independence with Diana Falck     EconoMe     The Intelligent Investor: The Definitive Book on Value Investing by Benjamin Graham "In the short run, the market is a voting machine, but in the long run, it is a weighing machine."     The Wealthy Custodian Part 1: A Blue Collar Guide to Financial Freedom | Jeff York | 074     The Rule of 72     BetterInvesting     Disclaimer: We are not lawyers, financial advisors, accountants or tax experts. Please consult your own professional advisors before making any important decisions. Our content is for entertainment and education purposes only.

Subscribe and Watch on YouTube Amy Weinland Daughters is an award-winning author and keynote speaker, who joins Bill and Jackie to chat about the powerful impact of handwritten letters in the digital age. Amy shares her unique journey of reconnecting with an old friend, leading to an inspiring project of writing 580 letters to her Facebook friends. Learn about the transformative power of personal connections, the emotional impact of handwritten notes, and how this old school practice can bridge divides and change lives. Listen in to be moved by Amy's story and inspired to reach out with your own handwritten message. 🔗Connect with us  Buy CUtFI a coffee  Record a message for CUtFI Thank you to our sponsors: Personal Finance Club (Use code CUTOFI to get $30 OFF any course or PFC investing course only!) Measure Twice Money ($100 OFF "Create Your Own Financial Plan" Comprehensive Video Course) Nectarine: Advice-Only Financial Advisors (Catching Up to FI will be compensated by Nectarine if you use our affiliate link, which creates an incentive and conflict of interest. We are not current clients or employees of Nectarine.) 🎙️SquadCast: The Cloud Recording Studio that Producers, Listeners, Guests, Creators, YouTubers Love & Trust  Boston Institute of Finance Personal Growth Track: Comprehensive & efficient CFP® level curriculum for those that don't need course credit, but want to gain useful knowledge for yourself. Modern Husbands Marriage Toolkit: Empowers couples with evidence based ideas from 40+ of the nation's leading experts in managing money and the home as a team.     Resources mentioned on the show: (As an Amazon Associate, I earn from qualifying purchases.)     👉🏻 Dear Dana: That time I went crazy and wrote all 580 of my Facebook friends a handwritten letter by Amy Weinland Daughters 🌐 amydaughters.com Doc G Disclaimer: We are not lawyers, financial advisors, accountants or tax experts. Please consult your own professional advisors before making any important decisions. Our content is for entertainment and education purposes only.

Subscribe and Watch on YouTube Chris Mamula, a former physical therapist who achieved early retirement at 41, shares his journey from financial mistakes to becoming a Certified Financial Planner (CFP) and a prominent voice in the FIRE movement. Discover practical tips on budgeting, saving during peak earning years, and utilizing retirement calculators. Chris, Bill, and Jackie chat about the advantages of starting late, advice-only financial planning, and strategies for aligning spending with personal values.   🔗Connect with us  Buy CUtFI a coffee  Record a message for CUtFI Thank you to our sponsors: Personal Finance Club (Use code CUTOFI to get $30 OFF any course or PFC investing course only!) Measure Twice Money ($100 OFF "Create Your Own Financial Plan" Comprehensive Video Course) Nectarine: Advice-Only Financial Advisors (Catching Up to FI will be compensated by Nectarine if you use our affiliate link, which creates an incentive and conflict of interest. We are not current clients or employees of Nectarine.) 🎙️SquadCast: The Cloud Recording Studio that Producers, Listeners, Guests, Creators, YouTubers Love & Trust  Boston Institute of Finance Personal Growth Track: Comprehensive & efficient CFP® level curriculum for those that don't need course credit, but want to gain useful knowledge for yourself.     Modern Husbands Marriage Toolkit: Empowers couples with evidence based ideas from 40+ of the nation's leading experts in managing money and the home as a team.     Resources mentioned on the show: As an Amazon Associate we earn from qualifying purchases.     🌐 Can I Retire Yet?     📗ChooseFI: Your Blueprint to Financial Independence by Chris Mamula, Brad Barrett, and Jonathan Mendonsa EconoMe Mr. Money Mustache JL Collins Mad FIentist Can I Retire Yet?: How to Make the Biggest Financial Decision of the Rest of Your Life by Darrow Kirkpatrick F.I.R.E. For Dummies by Jackie Cummings Koski ChooseFI The Tim Ferriss Show Tools of Titans: The Tactics, Routines, and Habits of Billionaires, Icons, and World-Class Performers by Tim Ferriss The Power of Reinvention with The Financial Tortoise | Tae Kim | 082 7 Advantages When You Start Saving for Retirement Late Early Retirement Extreme Maximize ACA Subsidies and Minimize Health Insurance Costs Music Money Man | Cody Garrett | 035 Abundo Wealth The Best Retirement Calculators by Darrow Kirkpatrick  Disclaimer: We are not lawyers, financial advisors, accountants or tax experts. Please consult your own professional advisors before making any important decisions. Our content is for entertainment and education purposes only.

Here is the second half of Bill and Jackie's conversation with Mindy and Scott on the BiggerPockets Money Podcast. They dig into the practical steps on how to start your financial journey as a late-starter. Enjoy! 🔗 Connect with us  Buy CUtFI a coffee  Record a message for CUtFI Thank you to our sponsors: Personal Finance Club (Use code CUTOFI to get $30 OFF any course or PFC investing course only!) Measure Twice Money ($100 OFF "Create Your Own Financial Plan" Comprehensive Video Course) Nectarine: Advice-Only Financial Advisors 🎙️SquadCast: The Cloud Recording Studio that Producers, Listeners, Guests, Creators, YouTubers Love & Trust  Catching Up to FI will be compensated by Nectarine if you use our affiliate link, which creates an incentive and conflict of interest. We are not current clients or employees of Nectarine. Resources mentioned on the show: BiggerPockets Money Podcast Paul Merriman The Shockingly Simple Math to Early Retirement, Mr. Money Mustache Annual Report of the Supplemental Security Income Program, May 2024 4% Rule Rethink Social Security: Myths, Benefits, and Clearing Up Misconceptions opensocialsecurity.com Retiring Before Mom & Dad | Rob Berger | 025 HSA - The Ultimate Retirement Account, Mad FIentist Fidelity HSA Year End Tax Planning | Sean Mullaney | 045 Disclaimer: We are not lawyers, financial advisors, accountants or tax experts. Please consult your own professional advisors before making any important decisions. Our content is for entertainment and education purposes only.

Tae Kim, also known as the Financial Tortoise online, is a former U.S. Army captain, MBA graduate, and finance director turned successful personal finance YouTuber. He shares his journey from being $105,000 in student debt to achieving financial security and discovering the Financial Independence movement. Tae chats with Bill and Jackie about his experience reinventing himself, the importance of slow and steady progress, prioritizing values over materialism, and overcoming financial mistakes. 🔗 Connect with us  Buy CUtFI a coffee  Record a message for CUtFI Thank you to our sponsors: Personal Finance Club (Use code CUTOFI to get $30 OFF any course or PFC investing course only!) Measure Twice Money ($100 OFF "Create Your Own Financial Plan" Comprehensive Video Course) Nectarine: Advice-Only Financial Advisors 🎙️SquadCast: The Cloud Recording Studio that Producers, Listeners, Guests, Creators, YouTubers Love & Trust  Catching Up to FI will be compensated by Nectarine if you use our affiliate link, which creates an incentive and conflict of interest. We are not current clients or employees of Nectarine. Resources mentioned on the show: Financial Tortoise EconoMe Dave Ramsey "Spend confidently on the things you love, and cut back mercilessly on the things you don't." - Ramit Sethi Jeremey Schneider Chris Hutchins 40 Reasons Why Life Gets Better After 40 40 Things I Realized After I Turned 40 Naval Ravikant Dr. Bobby Talks Healthspan | Dr. Bobby Dubois | 059 Disclaimer: We are not lawyers, financial advisors, accountants or tax experts. Please consult your own professional advisors before making any important decisions. Our content is for entertainment and education purposes only.

Bill and Jackie were invited to join Mindy and Scott on the BiggerPockets Money podcast to go through a step-by-step process of how to get started on the path to financial independence as a late-starter, a topic highly relevant to their audience. Take a listen to this week's part one and then tune in next week for part two! 🔗 Connect with us  Buy CUtFI a coffee Record a message for CUtFI Thank you to our sponsors: Personal Finance Club (Use code CUTOFI to get $30 OFF any course or PFC investing course only!) Measure Twice Money ($100 OFF "Create Your Own Financial Plan" Comprehensive Video Course) Nectarine: Advice-Only Financial Advisors 🎙️SquadCast: The Cloud Recording Studio that Producers, Listeners, Guests, Creators, YouTubers Love & Trust  Catching Up to FI will be compensated by Nectarine if you use our affiliate link, which creates an incentive and conflict of interest. We are not current clients or employees of Nectarine. Resources mentioned on the show: BiggerPockets Money Monarch Money Empower Disclaimer: We are not lawyers, financial advisors, accountants or tax experts. Please consult your own professional advisors before making any important decisions. Our content is for entertainment and education purposes only.

Meet Aaron Thomas, an attorney, founder of Prenups.com, and author of the book "The Prenup Prescription." In perfect time for wedding season, Aaron chats with Bill and Jackie about how a proper prenup can not only protect but improve your relationship. As a former divorce attorney who helped hundreds of clients secure favorable settlements, Aaron shares his expert advice on how to build healthy, successful marriages founded on transparency and communication through loving and fair pre- and post-nups.  🔗 Connect with us  Buy CUtFI a coffee Record a message for CUtFI Thank you to our sponsors: Personal Finance Club (Use code CUTOFI to get $30 OFF any course or PFC investing course only!) Measure Twice Money ($100 OFF "Create Your Own Financial Plan" Comprehensive Video Course) Nectarine: Advice-Only Financial Advisors Catching Up to FI will be compensated by Nectarine if you use our affiliate link, which creates an incentive and conflict of interest. We are not current clients or employees of Nectarine. Resources mentioned on the show: As an Amazon Associate we earn from qualifying purchases. prenups.com The Prenup Prescription: Meet the Premarital Contract Designed to Save Your Marriage by Aaron Thomas EconoMe Disclaimer: We are not lawyers, financial advisors, accountants or tax experts. Please consult your own professional advisors before making any important decisions. Our content is for entertainment and education purposes only.

Today we're rerunning our episode with Jonathan Clements who is a dear personal friend and a friend of our community. He recently posted on his blog, HumbleDollar, about his final lap around the sun yesterday. Let's send him our love.   🔗 Connect with us  Buy CUtFI a coffee Record a message for CUtFI Thank you to our sponsors: Personal Finance Club (Use code CUTOFI to get $30 OFF any course or PFC investing course only!) Measure Twice Money ($100 OFF "Create Your Own Financial Plan" Comprehensive Video Course) Nectarine: Advice-Only Financial Advisors Catching Up to FI will be compensated by Nectarine if you use our affiliate link, which creates an incentive and conflict of interest. We are not current clients or employees of Nectarine. Resources mentioned on the show: As an Amazon Associate I earn from qualifying purchases. The C Word Humble Dollar The White Coat Investor's Financial Boot Camp: A 12-Step High-Yield Guide to Bring Your Finances Up to Speed by James M Dahle Saving Our Retirement by Bill Yount How to Think About Money by Jonathan Clements My Money Journey: How 30 People Found Financial Freedom - And You Can Too by Jonathan Clements What is the Easterlin paradox? Catching Up to FI Episode 039 with Mark Trautman  Catching Up to FI Episode 019 with Fritz Gilbert Catching Up to FI Episode 022 with Jordan Grumet Taking Stock: A Hospice Doctor's Advice on Financial Independence, Building Wealth, and Living a Regret-Free Life by Jordan Grumet The Seven Stages of Money Maturity: Understanding the Spirit and Value of Money in Your Life by George Kinder Disclaimer: We are not lawyers, financial advisors, accountants or tax experts. Please consult your own professional advisors before making any important decisions. Our content is for entertainment and education purposes only.

Kyle Landis-Marinello is a practicing attorney specializing in environmental and energy law. Bill and Jackie dive deep with Kyle into topics such as socially responsible investing, student loan forgiveness, and his book, Personal Finance and Investing: How Anyone can Make More, Spend Less, and Invest Wisely. We also learn about Kyle's unique financial journey to improve his family's finances without compromising his values. 🔗Connect with us  Buy CUtFI a coffee  Record a message for CUtFI Thank you to our sponsors: Personal Finance Club (Use code CUTOFI to get $30 OFF any course or PFC investing course only!) Measure Twice Money ($100 OFF "Create Your Own Financial Plan" Comprehensive Video Course) Nectarine Advice-Only Financial Advisors Resources mentioned on the show: As an Amazon Associate I earn from qualifying purchases. Personal Finance and Investing: How Anyone can Make More, Spend Less, and Invest Wisely by Kyle Landis-Marinello EconoMe CampFI F.I.R.E. for Dummies by Jackie Cummings Koski studentaid.gov Ramit Sethi Environmental, Social and Governance (ESG) Investing Simple Path to Wealth by JL Collins Socially Responsible Investing: Is It Also More Profitable? Article by Mr. Money Mustache Mr. 1500 Days Disclaimer: We are not lawyers, financial advisors, accountants or tax experts. Please consult your own professional advisors before making any important decisions. Our content is for entertainment and education purposes only.

Meet the dynamic duo, Alan and Katie Donegan! The Donegans, known for their Rebel Finance School and Rebel Business School, share their insights on living an extraordinary life, both financially and personally. From defining what "extraordinary" means on an individual level to the importance of financial independence and entrepreneurship, Alan and Katie's passion for helping others shines through. Bill, Jackie, and the Donegans dive into practical steps to improve financial health, build a debt-free business, and create a life by design. They also explore the significance of continuous self-motivation, the power of asking the right questions, and how to blend traditional financial wisdom with a rebel mindset. Tune in to get inspired and learn how to never compare your pineapples!  🔗Connect with us  Buy CUtFI a coffee  Record a message for CUtFI Thank you to our sponsors: Personal Finance Club (Use code CUTOFI to get $30 OFF any course or PFC investing course only!) Measure Twice Money ($100 OFF "Create Your Own Financial Plan" Comprehensive Video Course) Nectarine Advice-Only Financial Advisors Catching Up to FI will be compensated by Nectarine if you use our affiliate link, which creates an incentive and conflict of interest. We are not current clients or employees of Nectarine. Resources mentioned on the show: As an Amazon Associate I earn from qualifying purchases. Rebel Finance School The Rebel Business School The Donegan's YouTube  EconoMe Notes from a Friend: A Quick and Simple Guide to Taking Charge of Your Life by Tony Robbins Wheel of Life Disclaimer: We are not lawyers, financial advisors, accountants or tax experts. Please consult your own professional advisors before making any important decisions. Our content is for entertainment and education purposes only.

Donna Peterson is a retired supervisory special agent and joins Bill and Jackie to cover the essential topic of internet and financial security. Drawing from her extensive background in combating cybercrime with the FBI, Donna shares her expert advice on how to secure personal and financial information against common hacks, the importance of two-factor authentication, and best practices for digital hygiene. Donna also gives practical tips on using password managers, safeguarding email accounts, and navigating the complexities of online privacy and data breaches.  🔗 Connect with us  Buy CUtFI a coffee  Record a message for CUtFI Thank you to our sponsors: Personal Finance Club (Use code CUTOFI to get $30 OFF any course or PFC investing course only!) Measure Twice Money ($100 OFF "Create Your Own Financial Plan" Comprehensive Video Course) Nectarine: Advice-Only Financial Advisors Catching Up to FI will be compensated by Nectarine if you use our affiliate link, which creates an incentive and conflict of interest. We are not current clients or employees of Nectarine. Resources mentioned on the show:  EconoMe FinTalks Scamalot! | Paula Pant | 066 Internet Crime Complaint Center FBI Internet Crime Report 2023 Cloudflare Private Internet Access LastPass Dashlane 1Password Security To Do List Disclaimer: We are not lawyers, financial advisors, accountants or tax experts. Please consult your own professional advisors before making any important decisions. Our content is for entertainment and education purposes only.

Christine Benz is the Director of Personal Finance and Retirement Planning at Morningstar. Christine shares her extensive insights into retirement planning, emphasizing the flexibility and adaptability of the 4 percent guideline over the rigid 4 percent rule. She discusses the value of variable withdrawal strategies, the importance of personalizing one's retirement plan, and tackles the nuances of various saving vehicles like HSAs. Bill, Jackie, and Christine also chat about the sequence of returns risk and offer practical advice on asset allocation and preparing for healthcare costs in retirement. Additionally, she highlights the significance of community and working in retirement for financial and non-financial well-being, along with a sneak peek into her upcoming book and the Bogleheads conference. 🔗 Connect with us  Buy CUtFI a coffee  Record a message for CUtFI Thank you to our sponsors: Personal Finance Club (Use code CUTOFI to get $30 OFF any course or PFC investing course only!) Measure Twice Money ($100 OFF "Create Your Own Financial Plan" Comprehensive Video Course) Nectarine: Advice-Only Financial Advisors  Catching Up to FI will be compensated by Nectarine if you use our affiliate link, which creates an incentive and conflict of interest. We are not current clients or employees of Nectarine. Resources mentioned on the show: As an Amazon Associate I earn from qualifying purchases. Bogleheads Conference Morningstar The Long View John C. Bogle Center for Financial Literacy How to Retire: 20 Lessons for a Happy, Successful, and Wealthy Retirement by Christine Bentz Retirement Glide Path: Is Comfort Key? Treasury Inflation Protected Securities Social Security Made Simple | Mike Piper | 054 Six Retirement Withdrawal Strategies that Stretch Savings William Bengen opensocialsecurity.com Zweig: Prepare for 'Meflation' Die With Zero: Getting All You Can from Your Money and Your Life by Bill Perkins Income Lab Marc Freedman: The Case for Encore Careers Bogleheads Conference 2023 - Jordan Grumet on Living without Regrets Sequence of Returns Risk bogleheads.org Disclaimer: We are not lawyers, financial advisors, accountants or tax experts. Please consult your own professional advisors before making any important decisions. Our content is for entertainment and education purposes only.

In part 2, Jeff York continues his discussion with Bill and Jackie about the financial importance of amicable divorces, the nitty gritty on his investments, and how he was able to "graduate" on his modest salary. The three also dive deep into Jeff's unique lifestyle, the necessity of personal health before and after retirement, and the rewarding nature of sharing knowledge through educating and mentoring. 🔗 Connect with us  Buy CUtFI a coffee Record a message for CUtFI Thank you to our sponsors: Personal Finance Club (Use code CUTOFI to get $30 OFF any course or PFC investing course only!) Measure Twice Money ($100 OFF "Create Your Own Financial Plan" Comprehensive Video Course) Nectarine: Advice-Only Financial Advisors  Catching Up to FI will be compensated by Nectarine if you use our affiliate link, which creates an incentive and conflict of interest. We are not current clients or employees of Nectarine. Resources mentioned on the show: As an Amazon Associate I earn from qualifying purchases. The Millionaire Next Door: The Surprising Secrets of America's Wealthy by Thomas J. Stanley and William D. Danko EconoMe Live It Up Without Outliving Your Money!: Getting the Most From Your Investments in Retirement by Paul Merriman The Simple Path to Wealth: Your Roadmap to Financial Independence and a Rich, Free Life by JL Collins Dr. Bobby Talks Healthspan | Dr. Bobby Dubois | 059 Disclaimer: We are not lawyers, financial advisors, accountants or tax experts. Please consult your own professional advisors before making any important decisions. Our content is for entertainment and education purposes only.

In this special pop up episode, Bill, Jackie, and special guest Amy Coroso engage in a thought-provoking discussion sparked by a controversial New York Times Magazine article about the FIRE (Financial Independence, Retire Early) movement. The three chat about the article's portrayal of diverse financial independence approaches as well as the article's impact on the FIRE community, discussing its potential to both attract attention and misconstrue the movement's core values.  🔗 Connect with us  Buy CUtFI a coffee Record a message for CUtFI Thank you to our sponsors: Personal Finance Club (Use code CUTOFI to get $30 OFF any course or PFC investing course only!) Measure Twice Money ($100 OFF "Create Your Own Financial Plan" Comprehensive Video Course) Nectarine: Advice-Only Financial Advisors Catching Up to FI will be compensated by Nectarine if you use our affiliate link, which creates an incentive and conflict of interest. We are not current clients or employees of Nectarine. Resources mentioned on the show: As an Amazon Associate I earn from qualifying purchases. "Your Neighbors Are Retiring in Their 30s. Why Can't You?" NYT Article Avocado Toast & Guardians of the Galaxy | Amy Coroso | 018 EconoMe F.I.R.E for Dummies by Jackie Cummings Koski But First, Save 10: The One Simple Money Move That Will Change Your Life by Sarah-Catherine Gutierrez Early Retirement Extreme by Jacob Lund Fisker Disclaimer: We are not lawyers, financial advisors, accountants or tax experts. Please consult your own professional advisors before making any important decisions. Our content is for entertainment and education purposes only.

Jeff York is a remarkable individual whose journey from custodian to millionaire offers a wealth of inspiration and practical advice. Jeff's story breaks down conventional barriers, showcasing the power of education, financial literacy, and personal responsibility. From his unique investment strategies and the importance of health to his experiences with divorce and the insights gained therefrom, the conversation delves into the essence of achieving financial independence and living a fulfilled life. Stay tuned for part 2! 🔗 Connect with us Buy CUtFI a coffee Record a message for CUtFI Thank you to our sponsors: Personal Finance Club (Use code CUTOFI to get $30 OFF any course or PFC investing course only!) Measure Twice Money ($100 OFF "Create Your Own Financial Plan" Comprehensive Video Course) Nectarine: Advice-Only Financial Advisors Catching Up to FI will be compensated by Nectarine if you use our affiliate link, which creates an incentive and conflict of interest. We are not current clients or employees of Nectarine. Resources mentioned on the show:  As an Amazon Associate I earn from qualifying purchases. 403bwise Deferred Compensation Plans CalPERS (California Public Employees' Retirement System) CalSTRS (California State Teachers' Retirement System) Mark Trautman Early Retirement Extreme: A Philosophical and Practical Guide to Financial Independence by Jacob Lund Fisker Disclaimer: We are not lawyers, financial advisors, accountants or tax experts. Please consult your own professional advisors before making any important decisions. Our content is for entertainment and education purposes only.

He's here, Mr. Money Mustache! Also known as Pete Adeney, the financial independence OG shares his story with Bill and Jackie. From retiring at 30 and starting one of the most popular blogs in the community to the importance of choosing sustainability with your money. The three discuss some of Pete's most impactful articles (listed below), highlighting alternative health insurance options and discussing socially responsible investing. Pete also chats candidly about life post-divorce, the temptations of consumerist culture, and the potential of car-free communities.  🔗 Connect with us Buy CUtFI a coffee Record a message for CUtFI Thank you to our sponsors: Personal Finance Club (Use code CUTOFI to get $30 OFF any course or PFC investing course only!) Measure Twice Money ($100 OFF "Create Your Own Financial Plan" Comprehensive Video Course) Nectarine: Advice-Only Financial Advisors Catching Up to FI will be compensated by Nectarine if you use our affiliate link, which creates an incentive and conflict of interest. We are not current clients or employees of Nectarine. Resources mentioned on the show: As an Amazon Associate I earn from qualifying purchases. Mr. Money Mustache The Simple Path to Wealth by JL Collins 1500 Days to Freedom The Shockingly Simple Math Behind Early Retirement Early Retirement Extreme: A Philosophical and Practical Guide to Financial Independence by Jacob Lund Fisker Your Money or Your Life: 9 Steps to Transforming Your Relationship with Money and Achieving Financial Independence by Vicki Robin and Joe Dominguez Two Years Without Health Insurance (and What I'm Doing Now) Target-Date Retirement Funds Get Smart With Money How to Go from Middle-Class to Kickass Culdesac Waymo Purpose, Identity, & Connection | Jordan Grumet | 022 Socially Responsible Investing: Is It Also More Profitable? Dr. Bobby Talks Healthspan | Dr. Bobby Dubois | 059 Outlive: The Science and Art of Longevity by Peter Attia Disclaimer: We are not lawyers, financial advisors, accountants or tax experts. Please consult your own professional advisors before making any important decisions. Our content is for entertainment and education purposes only.

In celebration of Financial Literacy Month, Tim Ranzetta, co-founder of NextGen Personal Finance, chats with Bill and Jackie on the transformative power of teaching personal finance to students. Discussing stats, stories, and strategies, this episode covers everything from the ripple effects of financial literacy to state-level advocacy for required personal finance courses in high school. Tim shares how Next Gen carefully curated (free!) resources and games designed to make finance fun and accessible, highlighting the significance of teachers' partnership in this endeavor. Finally, Tim also outlines ways individuals can contribute to fostering a financially literate future generation. 🔗 Connect with us Buy CUtFI a coffee Record a message for CUtFI Thank you to our sponsors: Personal Finance Club (Use code CUTOFI to get $30 OFF any course or PFC investing course only!) Measure Twice Money ($100 OFF "Create Your Own Financial Plan" Comprehensive Video Course) Nectarine: Advice-Only Financial Advisors Catching Up to FI will be compensated by Nectarine if you use our affiliate link, which creates an incentive and conflict of interest. We are not current clients or employees of Nectarine. Resources mentioned on the show: As an Amazon Associate I earn from qualifying purchases. Financial Literacy Project Money Letters 2 My Daughter by Jackie Cummings Koski  F.I.R.E. for Dummies by Jackie Cummings Koski  Next Gen Personal Finance Yanely Espinal EconoMe FinCon Bogleheads Conference NGPF Arcade Next Gen YouTube Channel 10 Money Milestones Disclaimer: We are not lawyers, financial advisors, accountants or tax experts. Please consult your own professional advisors before making any important decisions. Our content is for entertainment and education purposes only.

Although you've probably heard of this powerful pair, Mindy and Carl Jensen hop onto our show to share their personal journeys to financial independence and beyond. The Jensens discuss their experiences with podcasting, real estate investing, individual stock investments, and the lifestyle adjustments they've made after achieving financial independence. From buying a Tesla to planning for their children's futures, Mindy and Carl offer a transparent look at their lives post-FI, imparting valuable lessons along the way. 🔗 Connect with us Buy CUtFI a coffee Record a message for CUtFI Thank you to our sponsors: Personal Finance Club (Use code CUTOFI to get $30 OFF any course or PFC investing course only!) Measure Twice Money ($100 OFF "Create Your Own Financial Plan" Comprehensive Video Course) Nectarine: Advice-Only Financial Advisors Catching Up to FI will be compensated by Nectarine if you use our affiliate link, which creates an incentive and conflict of interest. We are not current clients or employees of Nectarine. Resources mentioned on the show: As an Amazon Associate I earn from qualifying purchases. 1500 Days to Freedom Bigger Pockets Money Podcast Mile High FI Mindy (and Carl) On Money The Prenup Prescription: Meet the Premarital Contract Designed to Save Your Marriage by Aaron Thomas EconoMe Mr. Money Mustache 4% Rule fatFIRE Real Estate Rookie Podcast Mindy and Carl on Ramit Sethi's "I Will Teach You To Be Rich" Podcast Die With Zero: Getting All You Can From Your Money and Your Life by Bill Perkins Mindy on Money Scholarship [email protected] [email protected] [email protected] Disclaimer: We are not lawyers, financial advisors, accountants or tax experts. Please consult your own professional advisors before making any important decisions. Our content is for entertainment and education purposes only.

In Part 2 of Bill and Jackie's conversation with JL Collins, the three explore his latest book "Pathfinders" and unravel the powerful narratives that underscore the ethos of financial independence. The trio discuss various topics such as the significance of starting early in investments, the pivotal moments which define one's financial path, and the universal applicability of Collins' financial principles across different life situations. Sharing touching and motivational stories from "Pathfinders", they emphasize the book's role as a beacon for those striving for financial independence, regardless of their starting point. 🔗 Connect with us Buy CUtFI a coffee Record a message for CUtFI Thank you to our sponsors: Personal Finance Club (Use code CUTOFI to get $30 OFF any course or PFC investing course only!) Measure Twice Money ($100 OFF "Create Your Own Financial Plan" Comprehensive Video Course) Nectarine: Advice-Only Financial Advisors Catching Up to FI will be compensated by Nectarine if you use our affiliate link, which creates an incentive and conflict of interest. We are not current clients or employees of Nectarine. Resources mentioned on the show: As an Amazon Associate I earn from qualifying purchases. Hard & Soft Sides of Retirement | Fritz Gilbert | 019 From Poverty to Wealth and Early Retirement | Jackie Cummings Koski | 007 Sapiens: A Brief History of Humankind by Yuval Noah Harari Pathfinders "Money is more open-minded than language, state laws, cultural codes, religious beliefs and social habits. Money is the only trust system created by humans that can bridge almost any cultural gap, and that does not discriminate on the basis of religion, gender, race, age or sexual orientation." -Yuval Noah Harari JL Collins on Roman Koshovskyi's Podcast 4% Rule Disclaimer: We are not lawyers, financial advisors, accountants or tax experts. Please consult your own professional advisors before making any important decisions. Our content is for entertainment and education purposes only.

Welcome back, JL Collins! Affectionately known as the Godfather of FI, Collins returns to discuss his latest book, "Pathfinders: Extraordinary Stories of People Like You on the Quest for Financial Independence" which explores real-life stories of individuals from diverse backgrounds navigating the journey toward financial freedom. Bill and official new co-host, Jackie Koski, chat with JL about the transformative power of simple yet strategic financial decisions, the significance of community, and the universal applicability of the principles of financial independence. Prepare to be inspired by tales of resilience, adaptability, and the pursuit of a life rich not just in wealth, but in fulfillment and joy. Stay tuned for part 2! 🔗 Connect with us Buy CUtFI a coffee Record a message for CUtFI Thank you to our sponsors: Personal Finance Club (Use code CUTOFI to get $30 OFF any course or PFC investing course only!) Measure Twice Money ($100 OFF "Create Your Own Financial Plan" Comprehensive Video Course) Nectarine: Advice-Only Financial Advisors Catching Up to FI will be compensated by Nectarine if you use our affiliate link, which creates an incentive and conflict of interest. We are not current clients or employees of Nectarine. Resources mentioned on the show: As an Amazon Associate I earn from qualifying purchases. The Simple Path to Wealth: Your Road Map to Financial Independence and a Rich, Free Life by JL Collins Pathfinders: Extraordinary Stories of People Like You on the Quest for Financial Independence--And How to Join Them by JL Collins FU Money Part 1 | JL Collins | 023 Mr. Money Mustache Disclaimer: We are not lawyers, financial advisors, accountants or tax experts. Please consult your own professional advisors before making any important decisions. Our content is for entertainment and education purposes only.

Mark Ross is a retired executive and a rewired encorepreneur. Mark shares his journey from a traditional career into retirement and how he shaped a fulfilling post-retirement life through diversifying his interests, categorizing his work into things he does for a fee, for free, and just for himself. Through his personal story, he highlights the importance of a growth mindset, staying curious, and building relationships. This episode also marks a bittersweet moment as Becky says her final goodbye as co-host, but we will see her around the community. Thank you for everything, Becky! 🔗 Connect with us Buy CUtFI a coffee Record a message for CUtFI Thank you to our sponsors: Personal Finance Club (Use code CUTOFI to get $30 OFF any course or PFC investing course only!) Measure Twice Money ($100 OFF "Create Your Own Financial Plan" Comprehensive Video Course) Nectarine: Advice-Only Financial Advisors Catching Up to FI will be compensated by Nectarine if you use our affiliate link, which creates an incentive and conflict of interest. We are not current clients or employees of Nectarine. Resources mentioned on the show: As an Amazon Associate, I earn from qualifying purchases. Next Thing Coaching Rock Retirement Club The Real Life Process Career Pivot Don't Retire, Rewire!: 5 Steps to Fulfilling That Fuels Your Passion, Suits Your Personality, and Fills Your Pocket by Jeri Sedlar and Rick Miners 48 Days to the Work You Love by Dan Miller Mindset: The New Psychology of Success by Carol S. Dweck Dr. Bobby Talks Healthspan | Dr. Bobby Dubois | 059 Disclaimer: We are not lawyers, financial advisors, accountants or tax experts. Please consult your own professional advisors before making any important decisions. Our content is for entertainment and education purposes only.

Doug Nordman and Carol Pittner are a financially-savvy father-daughter duo who take us on their money journey as a family. From learning about money management through unique family practices like the "Bank of Carol," to achieving financial independence, Doug and Carol share the milestones, strategies, and setbacks of their financial journeys. They discuss the importance of saving, investing, and making prudent life choices, all set against the backdrop of their unique military lifestyle. Moreover, they discuss the profound impact of teaching financial literacy from a young age. Whether you're a late starter to financial independence or seeking to pave a smoother path for the next generation, this episode is packed with wisdom, humor, and inspiring stories to guide you on your journey to FI. 🔗 Connect with us Buy CUtFI a coffee Record a message for CUtFI Thank you to our sponsors: Personal Finance Club (Use code CUTOFI to get $30 OFF any course or PFC investing course only!) Measure Twice Money ($100 OFF "Create Your Own Financial Plan" Comprehensive Video Course) Nectarine: Advice-Only Financial Advisors Catching Up to FI will be compensated by Nectarine if you use our affiliate link, which creates an incentive and conflict of interest. We are not current clients or employees of Nectarine. Resources mentioned on the show: (As an Amazon Associate, I earn from qualifying purchases.) Look for their books at your local library in order to "try before you buy." militaryfinancialindependence.com The Military Guide to Financial Independence and Retirement by Doug Nordman Raising Your Money-Savvy Family for Next Generation Financial Independence by Doug Nordman and Carol Pittner Redeployment Wealth Strategies Mr. Money Mustache 4% Rule The First National Bank of Dad by David Owen If You Made a Million by David M. Schwartz Quicken SoFi Ally Paula Pant FamZoo Thrift Savings Plan Your Kid 401(k) Plan Top Gun Finance | Stephen Heptig | 031 Mom and Dad, We Need to Talk | Cameron Huddleston | 048 Doug's recommendations for military-friendly charities: - Fisher House Foundation: either the national foundation (with Brian Gawne, one of my college classmates and a military retiree) or your local Fisher House at a hospital. - Local chapters of the Wounded Warrior Program and their services for your local military veterans. Their favorite surfing beaches: - White Plains Beach at Kalaeloa near Kapolei (Oahu) - Pua 'Ena Point at Haleiwa Beach Park (north side) on Oahu ...but Mission Bay and South Ponto Beach in San Diego are also pretty good, as well as Shifting Sands Beach Club at Dam Neck in Virginia Beach. Disclaimer: We are not lawyers, financial advisors, accountants or tax experts. Please consult your own professional advisors before making any important decisions. Our content is for entertainment and education purposes only.

Paula Pant is the creator and host of the Afford Anything podcast. She is also a writer, speaker, and media commentator on financial independence, real estate investing, money management, and financial literacy. Today Paula joins us to dive deep into the world of scams, particularly focusing on the elderly. We explore why scams are so convincing, and Paula offers practical advice for protection against scams, advocating the use of credit over debit cards for enhanced federal protection, and emphasizes the importance of vigilance in the digital age. She gives us a comprehensive guide to understanding and combating scams, highlighting the significance of cybersecurity alongside financial independence.  🔗 Connect with us Buy CUtFI a coffee Record a message for CUtFI Thank you to our sponsors: Personal Finance Club (Use code CUTOFI to get $30 OFF any course or PFC investing course only!) Measure Twice Money ($100 OFF "Create Your Own Financial Plan" Comprehensive Video Course) Nectarine: Advice-Only Financial Advisors Resources mentioned on the show: (As an Amazon Associate, I earn from qualifying purchases.) Afford Anything Federal Reserve's Beige Book Your First Rental Property YouTube.com/AffordAnything Frank Abagnale The Perfect Scam Podcast AARP Fraud Watch Network The Internet Crime Complaint Center LastPass 1Password The Psychology of Money by Morgan Housel Same as Ever by Morgan Housel Of Dollars and Data Just Keep Buying by Nick Maggiulli Dan Ariely James Clear Build the Life You Want by Aurthur C. Brooks and Oprah Winfrey Disclaimer: We are not lawyers, financial advisors, accountants or tax experts. Please consult your own professional advisors before making any important decisions. Our content is for entertainment and education purposes only.

Lauren Beltz is an engineer turned personal finance enthusiast who shares her insights on budgeting and financial independence with Bill and Becky. The three discuss topics such as the role of contentment in personal finance, necessity of an emergency fund and insurance, and tips for successful budgeting. They also touch on the concept of zero-based budgeting and the importance of a finance community for guidance and support. Overall, Lauren's personal journey and professionally garnered insights provide listeners with a practical and strategic understanding of managing finances for future security. 🔗 Connect with us Buy CUtFI a coffee Record a message for CUtFI Thank you to our sponsors: Personal Finance Club (Use code CUTOFI to get $30 OFF any course or PFC investing course only!) Measure Twice Money ($100 OFF "Create Your Own Financial Plan" Comprehensive Video Course) Nectarine: Advice-Only Financial Advisors Resources mentioned on the show: Financial Peace University Budget Brigade Lauren Beltz Ramit Sethi Paula Pant FIRE Ladder FinTalks Fritz Gilbert What the (Insurance) Hack? | Chris Hutchins | 058 GeoBlue ROI (return on investment) Opportunity Cost The Surprising Lifetime Cost of Car Ownership FatFIRE vs LeanFIRE Roomba & JOMO | Sarah-Catherine Gutierrez | 016 EconoMe Conference Zero-Based Budgeting The 50/30/20 Budget 10 Financial Tips We Wish We'd Learned Earlier in our FIRE Journey YNAB (You Need a Budget) EveryDollar Monarch Money (formerly Mint)  Disclaimer: We are not lawyers, financial advisors, accountants or tax experts. Please consult your own professional advisors before making any important decisions. Our content is for entertainment and education purposes only.

To wrap up this installment of On the Road with Catching up to FI, Becky and Mark chat with Vince and Briana from their $lackers group. Vince discusses his transition to retirement and Briana sheds light on how she's preparing for her future while still working full-time.  Thank you to the $lackers for sharing your stories with us! 🔗 Connect with us Buy CUtFI a coffee Record a message for CUtFI Thank you to our sponsors: Personal Finance Club (Use code CUTOFI to get $30 OFF any course or PFC investing course only!) Measure Twice Money ($100 OFF "Create Your Own Financial Plan" Comprehensive Video Course) Nectarine: Advice-Only Financial Advisors Resources mentioned on the show: Roger Whitney The Retirement and IRA Show Annuity Empower (formerly Personal Capital) 529 Plan Mark's Financial Literacy Course The Wealthy Barber: Everyone's Commonsense Guide to Becoming Financially Independent by David Chilton "Start where you are. Use what you have. Do what you can." Arthur Ashe Disclaimer: We are not lawyers, financial advisors, accountants or tax experts. Please consult your own professional advisors before making any important decisions. Our content is for entertainment and education purposes only.

Andy Panko is the founder and owner of Tenon Financial, a retirement planning and investment management firm, and Tenon Tax Preparation, a tax return preparation company. Andy joins Becky and guest co-host, Mark, to discuss retirement planning, the role and value of annuities, when to claim social security, and how to determine if you have saved enough for retirement. They also delve into handling taxes in retirement and the importance of community in one's retirement journey. Welcome to the show, Andy! 🔗 Connect with us Buy CUtFI a coffee Record a message for CUtFI Thank you to our sponsors: Personal Finance Club (Use code CUTOFI to get $30 OFF any course or PFC investing course only!) Measure Twice Money ($100 OFF "Create Your Own Financial Plan" Comprehensive Video Course) Nectarine: Advice-Only Financial Advisors Resources mentioned on the show: Mark's Money Mind Podcast Tenon Financial Tenon Tax Preparation Retirement Planning Education Website Find Andy's FB, YT, & Podcast Here Free Resources Annuity MYGA – Multi-Year Guaranteed Annuity SPIA – Single Premium Immediate Annuity Immediateannuitites.com Minimum Dignity Floor Die With Zero: Getting All You Can From Your Money and Your Life by Bill Perkins Social Security Made Simple | Mike Piper | 054 4% Rule The Retirement Answer Man   The Retirement and IRA Show   NewRetirement   Rock Retirement Club   Advise-Only Network   [email protected]   Disclaimer: We are not lawyers, financial advisors, accountants or tax experts. Please consult your own professional advisors before making any important decisions. Our content is for entertainment and education purposes only.

Meet the $lackers! Becky and guest co-host, Mark Trautman, introduce us to this fun-loving and world-traveling group made up of individuals who started as a mastermind and now enjoy doing life together. This week we meet Bob and Sharon, a couple who share about their transition into retirement, and Kevin, who offers insights on retirement life and the importance of health. Tune in as they discuss financial strategies, life adjustments, the value of having an accountability group, and much more. 🔗 Connect with us Buy CUtFI a coffee Record a message for CUtFI Thank you to our sponsors: Personal Finance Club (Use code CUTOFI to get $30 OFF any course or PFC investing course only!) Measure Twice Money ($100 OFF "Create Your Own Financial Plan" Comprehensive Video Course) Nectarine: Advice-Only Financial Advisors Resources mentioned on the show: Camp FI Retire Often | Jillian Johnsrud | 043 Rock Retirement Club Younger Next Year: Live Strong, Fit, & Sexy - Until You're 80 and Beyond by Chris Crowley and Henry S. Lodge Outlive: The Science & Art of Longevity by Peter Attia Life in FIRE Disclaimer: We are not lawyers, financial advisors, accountants or tax experts. Please consult your own professional advisors before making any important decisions. Our content is for entertainment and education purposes only.

Kevin Lyles, a retired lawyer turned retirement guru and coach, joins Becky and guest co-host Mark Trautman to discuss several aspects of planning for retirement, both financial and non-financial. Kevin talks about the difference between retirement planning and financial advice during the accumulation phase. He advises on how to navigate Social Security and Medicare, and emphasizes the importance of financial resilience in retirement. Kevin explains the significance of replacing the structure and fulfillment you get from work through relationships, a sense of usefulness, and financial security as you transition to retirement. Kevin, Becky, and Mark also chat about lifelong learning, lifestyle adjustments, and how to find a sense of meaning and purpose in retirement. 🔗 Connect with us Buy CUtFI a coffee Record a message for CUtFI Thank you to our sponsors: Personal Finance Club (Use code CUTOFI to get $30 OFF any course or PFC investing course only!) Measure Twice Money ($100 OFF "Create Your Own Financial Plan" Comprehensive Video Course) Nectarine: Advice-Only Financial Advisors Resources mentioned on the show: The Wealthy Barber: Everyone's Commonsense Guide to Becoming Financially Independent The Millionaire Next Door: The Surprising Secrets of America's Wealthy Mark's Money Mind EconoMe Rock Retirement Club Retirement Researcher Academy Social Security Made Simple | Mike Piper | 054 Sequence Risk Ramit Sethi Retirement Coaches Association [email protected] Disclaimer: We are not lawyers, financial advisors, accountants or tax experts. Please consult your own professional advisors before making any important decisions. Our content is for entertainment and education purposes only.

This week is a bittersweet episode for the Catching Up to FI team as our beloved friend and co-host, Becky, announces she's stepping down from the podcast next month in order to pursue other aspirations during her go-go years of retirement as well as spend more time with her grandkids. While she may not be asking questions on the podcast, be sure to look for Becky in the Facebook group and FI community as she will be present and active in those spaces. Becky, we want to thank you for all you've done to mold the Catching Up to FI community, foster meaningful and educational conversations, and give practical yet compassionate advice to all of us in the financial independence space. Your dedication, spark, and humor will be missed on the podcast but we can't wait to see where life takes you in the coming years.  Although we cannot replace Becky, we are excited to welcome the lovely and joyful Jackie Cummings Koski to the show! Jackie is a transparent financial educator and author of "Money Letters to My Daughter" (and upcoming book, "F.I.R.E. for Dummies"). She has helped Bill co-host as a guest on previous episodes and is excited to jump into the seat full time. Bill and Jackie are cooking up some tasty future episodes, so be sure to stay tuned! 🔗 Connect with us Buy CUtFI a coffee Record a message for CUtFI Thank you to our sponsors: Personal Finance Club (Use code CUTOFI to get $30 OFF any course or PFC investing course only!) Measure Twice Money ($100 OFF "Create Your Own Financial Plan" Comprehensive Video Course) Nectarine: Advice-Only Financial Advisors Resources mentioned on the show: Money Letters 2 My Daughter by Jackie Cummings Koski Disclaimer: We are not lawyers, financial advisors, accountants or tax experts. Please consult your own professional advisors before making any important decisions. Our content is for entertainment and education purposes only.

Dr. Bobby Dubois is a Harvard graduate and physician-scientist who joins Catching Up to FI to talk about the six components of functional health: exercise, sleep, nutrition, mind-body work, exposure to hot and cold, and social relationships. Dr. Dubois takes us through each of these areas, sharing palatable advice backed by scientific evidence.  This episode is abundant with practical tips to help you pave a healthier path in your journey towards financial independence and is a must-listen if you're looking to prioritize your health in your daily routine. And if you're interested in hearing more from our guest, be on the lookout for his upcoming podcast "Live Long and Well with Dr. Bobby." 🔗 Connect with us Buy CUtFI a coffee Record a message for CUtFI Thank you to our sponsors: Personal Finance Club (Use code CUTOFI to get $30 OFF any course or PFC investing course only!) Measure Twice Money ($100 OFF "Create Your Own Financial Plan" Comprehensive Video Course) Nectarine: Advice-Only Financial Advisors Resources mentioned on the show: MadroneSpringsRanch.com Six Activities to "Live Long and Well": Learn Them During Your Next Stay At Madrone Springs Ranch The Peter Attia Drive Podcast Huberman Lab Podcast The 7 Habits of Highly Effective People: Powerful Lessons in Personal Change by Stephen Covey Why We Sleep: Unlocking the Power of Sleep and Dreams by Matthew Walker Oura Ring examine.com N of 1 U. S. Preventive Services Task Force Final Recommendation Statement on Vitamin, Mineral, and Multivitamin Supplementation to Prevent Cardiovascular Disease and Cancer Blue Zones Harvard Study on Aging The Retirement Answer Man Instagram @madronespringsranch Disclaimer: We are not lawyers, financial advisors, accountants or tax experts. Please consult your own professional advisors before making any important decisions. Our content is for entertainment and education purposes only.

Chris Hutchins is an experienced life hacker and financial optimizer. Chris chats with Bill and Becky about his treasure trove of hacks, bringing attention to ones that deal specifically with insurance. From auto to property, and term life to travel insurance, Chris shares valuable tips and insights on how to manage these policies more efficiently. Crucially, he maintains that you shouldn't have to compromise your lifestyle to ensure you're getting the most from your insurance policies. Whether you're an insurance novice or you think you've heard it all before, Chris offers a fresh and insightful perspective on how to hack your way to better insurance understanding and management.  🔗 Connect with us Buy CUtFI a coffee Record a message for CUtFI Thank you to our sponsors: Personal Finance Club (Use code CUTOFI to get $30 OFF any course or PFC investing course only!) Measure Twice Money ($100 OFF "Create Your Own Financial Plan" Comprehensive Video Course) Nectarine: Advice-Only Financial Advisors Resources mentioned on the show: allthehacks.com Playing With FIRE Documentary ChooseFI Optimizing Your Insurance Policies (Auto, Home/Renters, Umbrella, Life, Disability, Pet, and Travel) Insurance Hacks Part 1 (Home/Auto/Liability/Pet) Insurance Hacks Part 2 (Life, Disability and Travel) Navigating Open Enrollment: Choosing the Best Health Insurance and Other Benefits in 2024 Rental Cars: Saving Money, Avoiding Fees and All the Secret Tricks All the Rental Car Hacks Policygenius Disclaimer: We are not lawyers, financial advisors, accountants or tax experts. Please consult your own professional advisors before making any important decisions. Our content is for entertainment and education purposes only.

Shannah Game is a certified financial planner, prolific entrepreneur, author of the Money Mindset Journal, engaging speaker, and the host of Everyone's Talkin' Money podcast. Shannah, Bill, and Becky dig deep into the subject of money traumas, exploring their impact on individuals, relationships and overall financial health. Shannah offers practical strategies for identifying and healing from these traumas. She also emphasizes the importance of understanding our relationship with money and suggests helpful practices like journaling to gain better insights and manage these relationships effectively. Find Shannah on Instagram and TikTok @shannahgame 🔗 Connect with us Buy CUtFI a coffee Record a message for CUtFI Thank you to our sponsors: Personal Finance Club (Use code CUTOFI to get $30 OFF any course or PFC investing course only!) Measure Twice Money ($100 OFF "Create Your Own Financial Plan" Comprehensive Video Course) Nectarine: Advice-Only Financial Advisors Resources mentioned on the show: Everyone's Talkin' Money Podcast Payoff Study About Money Trauma in Americans 10 Money Questions to Ask Yourself Freebie The ABC's of Money Trauma CUtFI Episode with Manisha Thankor Disclaimer: We are not lawyers, financial advisors, accountants or tax experts. Please consult your own professional advisors before making any important decisions. Our content is for entertainment and education purposes only.

Jeremy Schneider is the passionate financial educator behind Personal Finance Club and the innovative platform Nectarine. Jeremy shares his unique perspective on the simplicity of financial success, underscored by his simple rules - 'live below your means' and 'invest early and often.' We delve into the value of robo-advisors versus human advisors, Jeremy's thoughtful approach to constructing a portfolio, his views on cryptocurrency, and the common financial mistakes he witnessed over the years. Plus, you'll hear about Jeremy's newest venture that democratizes access to financial advice and his clear stance on avoiding the pitfalls of lifestyle creep and complex investing.  🔗 Connect with us Buy CUtFI a coffee Record a message for CUtFI Thank you to our sponsors: Personal Finance Club (Use code CUTOFI to get $30 OFF any course or PFC investing course only!) Measure Twice Money ($100 OFF "Create Your Own Financial Plan" Comprehensive Video Course) Nectarine: Advice-Only Financial Advisors Resources mentioned on the show:   Personal Finance Club   Jeremy's Instagram   Nectarine   My $632K Mistake Article   The Go-Giver: A Little Story About a Powerful Business Idea by Bob Burg and John David Mann   Target-Date Funds   The Millionaire Next Door: Enduring Strategies for Building Wealth by Thomas J. Stanley and Sarah Stanley Fallaw   Vanguard   Fidelity Go   Schwab   Wealthfront   Betterment   Disclaimer: We are not lawyers, financial advisors, accountants or tax experts. Please consult your own professional advisors before making any important decisions. Our content is for entertainment and education purposes only.

Manisha Thakor is the author of "Money Zen," and shares her personal journey navigating the pressures of high achievement and workaholism to discover what truly matters. Through her poignant stories and insights, we delve into the meaning of "enough" in both personal finance and emotional wealth. Join us as we explore how to find balance between financial health and emotional wealth, and discuss the cultural pressure of perpetual busyness.  Whether you identify as a workaholic or someone caught up in the race of modern life, this episode offers invaluable opportunities for reflection. 🔗 Connect with us Buy CUtFI a coffee Record a message for CUtFI Thank you to our sponsors: Personal Finance Club (Use code CUTOFI to get $30 OFF any course or PFC investing course only!) Measure Twice Money ($100 OFF "Create Your Own Financial Plan" Comprehensive Video Course) Nectarine: Advice-Only Financial Advisors Resources mentioned on the show: (As an Amazon Associate, I earn from qualifying purchases.) 📗MoneyZen: The Secret to Finding Your "Enough" by Manisha Thakor http://moneyzen.com 📕On My Own Two Feet: A Mondern Girl's Guide to Personal Finance by Manisha Thakor 📚Get Financially Naked: How to Talk Money with Your Honey by Manisha Thakor Money O2 Podcast with Erin Kuhn: Manisha's Story Maslow's Hierarchy of Needs Hungry Ghosts Reflection Journal Book Club Guide Your Money or Your Life: 9 Steps to Transforming Your Relationship with Money and Achieving Financial Independence by Vicki Robin and Joe Dominguez Enough: True Measures of Money, Business, and Life by John C. Bogle Carl Richards' Behavior Gap Catching Up to FI Episode 022 with Jordan Grumet The Simple Path to Wealth: Your Roadmap to Financial Independence and a Rich Free Life by J L Collins Disclaimer: We are not lawyers, financial advisors, accountants or tax experts. Please consult your own professional advisors before making any important decisions. Our content is for entertainment and education purposes only.

Mike Piper, author of the book, "Social Security Made Simple", helps Bill and Becky navigate through the many nuances of Social Security. They discuss everything from claiming strategies to survivor benefits as well as taxation and the implications of delaying benefits. Mike sheds light on the often overlooked aspect of spousal benefits, emphasizing that delaying your benefits can help boost the household income for as long as either spouse is alive. The team also explores the complications that can arise from differing ages and earning histories of spouses. Mike has numerous helpful resources available at his blog, Oblivious Investor, that simplify how Social Security works and how individuals can make informed decisions about when to file for benefits. Whether you're single, married, or thinking about retirement planning, this episode offers important insights to help you understand and maximize your Social Security benefits. 🔗 Connect with us Buy CUtFI a coffee Record a message for CUtFI Thank you to our sponsors: Personal Finance Club (Use code CUTOFI to get $30 OFF any course or PFC investing course only!) Measure Twice Money ($100 OFF "Create Your Own Financial Plan" Comprehensive Video Course) Nectarine: Advice-Only Financial Advisors Resources mentioned on the show: (As an Amazon Associate, I earn from qualifying purchases.)   opensocialsecurity.com   Oblivious Investor   📗 Social Security Made Simple: Social Security Retirement Benefits and Related Planning Topics Explained in 100 Pages or Less by Mike Piper   ssa.gov/myaccount   Full Retirement Age   Primary Insurance Amount   4% Rule   SSA Windfall Elimination Provision   Social Security Bridge Payment   W-4V Form   Garrett Planning Network   Advice-Only Network   [email protected]   Disclaimer: We are not lawyers, financial advisors, accountants or tax experts. Please consult your own professional advisors before making any important decisions. Our content is for entertainment and education purposes only.

Matt Richter, the Financial Imagineer, is a personal finance aficionado who joins us from Basel, Switzerland to chat about playing the game of life, managing windfalls, how to live in stealth wealth, and following your Ikigai.  Matt loves spending time with his family, traveling, brewing beer, and writing on his blog to share his biggest passion, Financial Imagineering: making money work for you so you can unlock and spend more of your most precious resource on this planet, self-determined time, in order to pursue your dreams and passions. Matt Richter on Facebook, X, and Medium 🔗 Connect with us Buy CUtFI a coffee Record a message for CUtFI Thank you to our sponsors: Personal Finance Club (Use code CUTOFI to get $30 OFF any course or PFC investing course only!) Measure Twice Money ($100 OFF "Create Your Own Financial Plan" Comprehensive Video Course) Nectarine: Advice-Only Financial Advisors Resources mentioned on the show: Financial Imagineer Website Playing the Game of Life: Comparing Life to Video Games Tim Ferriss The Millionaire Next Door: Enduring Strategies for Building Wealth by Thomas J. Stanley and Sarah Stanley Fallaw MoneyZen: The Secret to Finding Your "Enough" by Manisha Thakor Enough: True Measures of Money, Business, and Life by John C. Bogle How to Build Your Abundant Waterfall of Income Streams Your Money or Your Life: 9 Steps to Transforming Your Relationship with Money and Achieving Financial Independence by Vicki Robin and Joe Dominguez Richer, Wiser, Happier: How the World's Greatest Investors Win in Markets and Life by William Green Disclaimer: We are not lawyers, financial advisors, accountants or tax experts. Please consult your own professional advisors before making any important decisions. Our content is for entertainment and education purposes only.

 Happy Holidays from the Catching Up to FI team! Please enjoy this episode where Bill and Becky share their financial stories with Mindy Jensen and Scott Trench of Bigger Pockets Money, their most listened to episode! 🔗 Connect with us Buy CUtFI a coffee Record a message for CUtFI Thank you to our sponsors: Personal Finance Club (Use code CUTOFI to get $30 OFF any course or PFC investing course only!) Measure Twice Money ($100 OFF "Create Your Own Financial Plan" Comprehensive Video Course) Nectarine: Advice-Only Financial Advisors Resources mentioned on the show: Dave Ramsey Die With Zero: Getting All You Can From Your Money and Your Life by Bill Perkins White Coat Investor BiggerPockets Money Podcast Episode 344: Rethink Social Security: Myths, Benefits, and Clearing Up Misconceptions Playing With FIRE Documentary Set for Life: Dominate Life, Money, and the American Dream by Scott Drench Music Credit Disclaimer: We are not lawyers, financial advisors, accountants or tax experts. Please consult your own professional advisors before making any important decisions. Our content is for entertainment and education purposes only.

Bill and Becky sit down together at Podcast Movement Live to chat about the importance of charitable giving. Giving money may seem difficult, even counterintuitive, if you're a late starter, but there are other ways to give beyond cash; you can also donate your time, talent, and even your car! Bill and Becky list a few of their favorite charitable organizations as well as the advantages of donor-advised funds and qualified charitable distributions. Happy giving! 🔗 Connect with us Buy CUtFI a coffee Record a message for CUtFI Thank you to our sponsors: Personal Finance Club (Use code CUTOFI to get $30 OFF any course or PFC investing course only!) Measure Twice Money ($100 OFF "Create Your Own Financial Plan" Comprehensive Video Course) Nectarine: Advice-Only Financial Advisors Resources mentioned on the show: Guidestar Financial Peace University  Habitat for Humanity Ronald McDonald House Charities  Salvation Army  Vehicles for Veterans  Kars4Kids  On Ramp  Donor-Advised Fund Definition  CareCuts of Knoxville  Qualified Charitable Distribution  Freedom for Fido  Catching Up to FI Episode 019 with Fritz Gilbert  Living Journeys Community Cancer Support  The Go-Giver: A Little Story About a Powerful Business Idea  CUtFI Recommended Charities  Disclaimer: We are not lawyers, financial advisors, accountants or tax experts. Please consult your own professional advisors before making any important decisions. Our content is for entertainment and education purposes only.

Bill and returning guest co-host, Jackie, sit down with Jeff Opdyke to talk about raising financially savvy children as well as the pros and cons of living internationally.  Jeff was born and raised in South Louisiana but grew up traveling the world and has never really stopped. He spent 17 years covering personal finance and investing for The Wall Street Journal, and seven years writing the Journal's nationally syndicated "Love & Money" column that chronicled the real ways personal finances and personal relationships clash.  Jeff has traveled to more than 70 countries and currently works as a digital nomad living and writing from Cascais, Portugal about retirement lifestyle, travel, and global investing. Jeff Opdyke is the editor of The Global Intelligence Letter and contributor to International Living.  🔗 Connect with us Buy CUtFI a coffee Record a message for CUtFI Thank you to our sponsors: Personal Finance Club (Use code CUTOFI to get $30 OFF any course or PFC investing course only!) Measure Twice Money ($100 OFF "Create Your Own Financial Plan" Comprehensive Video Course) Nectarine: Advice-Only Financial Advisors Resources mentioned on the show: Replay: Your Second Chance to Invest in the American Dream by Jeff Opdyke Financially Ever After: The Couples' Guide to Managing Money by Jeff Opdyke Bite Your Tongue Podcast Episode 2: MONEY...and Your Adult Children! Money Letters 2 My Daughter by Jackie Cummings Koski 4% Rule International Living International Living Conferences Disclaimer: We are not lawyers, financial advisors, accountants or tax experts. Please consult your own professional advisors before making any important decisions. Our content is for entertainment and education purposes only.

Jennifer Mah is an FI enthusiast, and you can find her wit and wisdom all over many FI social media channels. She is an administrator of the Afford Anything Facebook Group and is active in the Choose FI Community locally and worldwide. Her home base is in the San Diego area where she is an entrepreneurial financial coach at Your Money, Your Life Financial Coaching. Jen's services are designed to reduce anxiety and stress, help people take control of their money, and empower them to build the life that they want. Jen's personal and money stories are moving to say the least. Bill and guest co-host Jackie Cummings Koski dive deep with Jen to explore the intersection of personal and financial trauma and inspirational resilience. Please be aware that some of the topics we discuss in today's show can be triggering. It is with great pleasure that we welcome Jen to the Catching Up to FI Family! 🔗 Connect with us Buy CUtFI a coffee Record a message for CUtFI Thank you to our sponsors: Personal Finance Club (Use code CUTOFI to get $30 OFF any course or PFC investing course only!) Measure Twice Money ($100 OFF "Create Your Own Financial Plan" Comprehensive Video Course) Nectarine: Advice-Only Financial Advisors Resources mentioned on the show: 988 Suicide & Crisis Lifeline Letters 2 My Daughter by Jackie Cummings Koski FinCon Afford Anything Facebook Your Money, Your Life Financial Coaching ChooseFI San Diego Coast FIRE Dough Roller Podcast Stacking Benjamins Earn & Invest Portfolio Visualizer cFIREsim Die With Zero: Getting All You Can From Your Money and Your Life by Bill Perkins Disclaimer: We are not lawyers, financial advisors, accountants or tax experts. Please consult your own professional advisors before making any important decisions. Our content is for entertainment and education purposes only.

Cameron Huddleston is the author of "Mom and Dad, We Need to Talk: How to Have Essential Conversations With Your Parents About Their Finances." She is an award-winning journalist with 20 years of experience writing about personal finance. Her work has appeared in Forbes, Kiplinger's Personal Finance, Chicago Tribune, MSN, Yahoo and many more print and online publications.  Cameron is a mom of three young kids and is also a daughter; she juggled raising her kids while caring for her mom, who had Alzheimer's disease. It was a stressful situation, but it gave her great insight into how financially devastating Alzheimer's and dementia can be. It also made her realize how necessary it is for adult children to be having conversations with their parents about their finances before a health issue or emergency leaves their parents unable to manage their own finances. 🔗 Connect with us Buy CUtFI a coffee Record a message for CUtFI Thank you to our sponsors: Personal Finance Club (Use code CUTOFI to get $30 OFF any course or PFC investing course only!) Measure Twice Money ($100 OFF "Create Your Own Financial Plan" Comprehensive Video Course) Nectarine: Advice-Only Financial Advisors Resources mentioned on the show: (As an Amazon Associate, I earn from qualifying purchases.) Mom and Dad, We Need to Talk: How to Have Essential Conversations With Your Parents About Their Finances by Cameron Huddleston Cameron Huddleston Website Scam Red Flags ICE (In Case of Emergency) Binder Disclaimer: We are not lawyers, financial advisors, accountants or tax experts. Please consult your own professional advisors before making any important decisions. Our content is for entertainment and education purposes only.

Diana Falck is a 52-year-old retired wife, stepmom to six, Glamma to six, and financial literacy advocate residing in Arizona. She is also on the staff of Catching Up to FI as our Facebook group administrator and social media maven.  Diana has an inspiring story of persistence, diligence, and compassion. Burdened with a six-figure MBA debt for over a decade, the Chicago-born Italian was determined to become debt free and enrolled in Financial Peace University. She went gazelle intense to pay off debt, save for an emergency fund, and invest for retirement. Due to the overhaul in her life, she wanted freedom for others and volunteered in stewardship ministries and then the Financial Independence community. Diana married at 48 and went around the debt mountain for a second round. She is passionate to help and encourage late starters as the journey hits very close to home. 🔗 Connect with us Buy CUtFI a coffee Record a message for CUtFI Thank you to our sponsors: Personal Finance Club (Use code CUTOFI to get $30 OFF any course or PFC investing course only!) Measure Twice Money ($100 OFF "Create Your Own Financial Plan" Comprehensive Video Course) Nectarine: Advice-Only Financial Advisors Corrections:  12:30 Study abroad in Spain was a program that Marquette sponsored at Universidad Complutense de Madrid. 29:07 Gig was for three weeks 29:14 21 days  30:11 three weeks 42:21 2020, not 2000 49:30 Jan 2020, not Dec 2020…it took 19 months   Diana's favorite links Resources mentioned on the show: EconoMe Conference Peace Corps: The Toughest Job You'll Ever Love Food for the Hungry House Hacking CURE International (Afghanistan) Taxes Geoarbitrage: Physical Presence Test Begin at 14:40 for scene: Break the Chains of Debt Gazelle Intensity Debt Snowball vs Avalanche Episode 31 Top Gun Finance Legacy Drawer (Dead Box-Jeremy Personal Finance Club) Financial Literacy Education - ChooseFI The Shockingly Simple Math Behind Early Retirement FatFI defined Fight back and WIN - "Bankrupt" - Taylor Swift Bad Blood Parody Ben & Arthur Chart Resources that helped Diana's/Falck's Money Journeys Apps that saved our marriage Google Calendar: shared Life360 YNAB & Nick True for YNAB Help Movies Playing with FIRE Books The Total Money Makeover ~ Dave Ramsey: For Debt ONLY ChooseFI: Your Blueprint to Financial Independence I Will Teach You to Be Rich ~ Ramit Sethi Financial Freedom ~ Grant Sabatier 48 Days to the Work You Love ~ Dan Miller Taking Stock: A Hospice Doctor's Advice on Financial Independence, Building Wealth, and Living a Regret-Free Life ~ Jordan Grumet, M.D. Diana would like to dedicate her first podcast to her late cousin, Ida and brother, Tony.  If you or someone you know is struggling with addiction, help is out there, and freedom is possible. As with any program…the steps work: 12-step Celebrate Recovery Disclaimer: We are not lawyers, financial advisors, accountants or tax experts. Please consult your own professional advisors before making any important decisions. Our content is for entertainment and education purposes only.

Today's episode is a live recording from the FI Freedom Retreat that took place in Bali, Indonesia in October 2023. Amy Minkley organized this awesome event and there were around 45 people in attendance from all over the globe. Becky Heptig and Joe Saul-Sehy from Stacking Benjamins Podcast hosted a few of the attendees to get their unique and interesting stories. You'll meet Annie, who has tried out Van Life, Chris, a full-time digital nomad, and Tania, who discovered she was FI and didn't even know it! 🔗 Connect with us Buy CUtFI a coffee Record a message for CUtFI Thank you to our sponsors: Personal Finance Club (Use code CUTOFI to get $30 OFF any course or PFC investing course only!) Measure Twice Money ($100 OFF "Create Your Own Financial Plan" Comprehensive Video Course) Nectarine: Advice-Only Financial Advisors Resources mentioned on the show: Stacking Benjamins Stacked: Your Super-Serious Guide to Modern Money Management by Joe Saul-Sehy and Emily Guy Birken FI Freedom Retreats EconoMe  CampFI Disclaimer: We are not lawyers, financial advisors, accountants or tax experts. Please consult your own professional advisors before making any important decisions. Our content is for entertainment and education purposes only.

We welcome back Sean Mullaney to the show! Also known as The FI Tax Guy, Sean is a financial planner who offers fee-only and advice-only financial planning at Mullaney Financial & Tax, Inc. He was first on the show back in Episode 013 to discuss the basics of retirement accounts and the tax aspects of those accounts in the accumulation and drawdown years. Sean sits down with Bill and Becky for a second time today to discuss important year-end tax planning, a very timely and important topic. Sean will give us a taste for what we should be thinking about for 2023 and planning for 2024. 🔗 Connect with us Buy CUtFI a coffee Record a message for CUtFI Thank you to our sponsors: Personal Finance Club (Use code CUTOFI to get $30 OFF any course or PFC investing course only!) Measure Twice Money ($100 OFF "Create Your Own Financial Plan" Comprehensive Video Course) Nectarine: Advice-Only Financial Advisors Resources mentioned on the show: (As an Amazon Associate, I earn from qualifying purchases.) FItaxguy.com 2023 Year-End Tax Planning What is a Donor Advised Fund? Daffy GuideStar Solo 401(k): The Solopreneur's Retirement Account by Sean Mullaney Backdoor Roth IRA for Beginners Split-Year Backdoor Roth IRAs Roth Conversions Before It's Too Late? Disclaimer: The discussion is intended to be for general educational purposes and is not tax, legal, or investment advice for any individual. Becky, Bill, and the Catching Up to FI podcast do not endorse Sean Mullaney, Mullaney Financial & Tax, Inc. and their services.

Frank Vasquez is a mostly retired lawyer with over 30 years' experience in investing for his own accounts. He holds degrees in Economics and Engineering from the California Institute of Technology and a law degree from Georgetown University. He is extremely active in the Financial Independence community, answering questions of all types in forums and Facebook groups. He has appeared as a guest on the Choose FI, What's Up Next and Security Analysis podcasts, and run workshops at the EconoMe Conference. His involvement in FI topics and issues predates the FI Community as it is known today. He is the founder and host of Risk Parity Radio, a laboratory or dive bar devoted to asset allocations for the DIY investor and drawdown portfolios.  🔗 Connect with us Buy CUtFI a coffee Record a message for CUtFI Thank you to our sponsors: Personal Finance Club (Use code CUTOFI to get $30 OFF any course or PFC investing course only!) Measure Twice Money ($100 OFF "Create Your Own Financial Plan" Comprehensive Video Course) Nectarine: Advice-Only Financial Advisors Resources mentioned on the show: (As an Amazon Associate, I earn from qualifying purchases.) Interview Notes for Frank Vasquez What's Up Next Podcast Security Analysis Podcast FinCon Risk Parity Radio Histories of the FIRE Community Early Retirement Extreme With Jacob Lund Fisker Retirement Planning Education with Andy Panko What is a Drawdown? Retirement and IRA Show Dave Ramsey Catching Up to FI Episode 022 with Jordan Grumet Open Social Security Bill Bengen's 4% Rule Liz Ann Sonders With Charles Schwab 📕 Cashing in on the American Dream: How to Retire at 35 by Paul Terhorst Catching Up to FI Episode 033 with Allan Roth Morningstar Portfolio Manager A Wealth of Common Sense Blog with Ben Carlson Risk Parity Radio Episode 289 Big Ern's Safe Withdrawal Rate Series 📗 The Little Book of Common Sense Investing by John Bogle Walk4McKenna Disclaimer: We are not lawyers, financial advisors, accountants or tax experts. Please consult your own professional advisors before making any important decisions. Our content is for entertainment and education purposes only.

Jillian Johnsrud is the author of "Fire the Haters: Finding Courage to Create Online In a Critical World," a blogger at montanamoneyadventures.com, a podcaster at Everyday Courage and Retire Often, and a Life Coach. When Jillian and her husband married, they had $55,000 in debt. They also had big dreams: take mini-retirements, travel the world, and adopt children. In the last 21 years, they have paid off all their debt, traveled to 27 counties, lived abroad for 4 years, taken 12 mini-retirements, and adopted 4 kids (plus had 2 biological kids!). They paid cash for their very first home and bought 2 rental properties that they fixed up themselves. They have served on boards of nonprofits, mentored kids from tough situations, and volunteered in all sorts of roles.  At 32, Jillian became financially independent. Now it's her mission to help others build a life that perfectly lines up with their values, passion and purpose 🔗 Connect with us Buy CUtFI a coffee Record a message for CUtFI Thank you to our sponsors: Personal Finance Club (Use code CUTOFI to get $30 OFF any course or PFC investing course only!) Measure Twice Money ($100 OFF "Create Your Own Financial Plan" Comprehensive Video Course) Nectarine: Advice-Only Financial Advisors Resources mentioned on the show: Fire the Haters: Finding the Courage to Create Online in a Critical World by Jillian Johnsrud Retire Often Retire Often Podcast Catching Up to FI Episode 019 with Fritz Gilbert Catching Up to FI Episode 022 with Jordan Grumet retireoften.com/intentional Record a Message for CUtFI Disclaimer: We are not lawyers, financial advisors, accountants or tax experts. Please consult your own professional advisors before making any important decisions. Our content is for entertainment and education purposes only.

On this special addition of Catching Up to FI, we get to hear a live panel from CampFI Midwest 2023 hosted by Becky, Diania Merriam of Optimal Finance Daily, and Jordan Grumet of Earn & Invest. The hosts discuss the surprising and maybe not-so-fun sides of financial independence and how to work through them. We also hear personal stories from the panel's audience.  🔗 Connect with us Buy CUtFI a coffee Record a message for CUtFI Thank you to our sponsors: Personal Finance Club (Use code CUTOFI to get $30 OFF any course or PFC investing course only!) Measure Twice Money ($100 OFF "Create Your Own Financial Plan" Comprehensive Video Course) Nectarine: Advice-Only Financial Advisors Resources mentioned on the show: Optimal Finance Daily with Diania Merriam Earn & Invest with Doc G Camp FI EconoMe Disclaimer: We are not lawyers, financial advisors, accountants or tax experts. Please consult your own professional advisors before making any important decisions. Our content is for entertainment and education purposes only.

David Stein is the host of the personal finance podcast Money for the Rest of Us. The show has over 20M downloads and reaches more than 40,000 listeners per episode. Prior to launching his podcast, David advised and managed assets for institutions and financial planners. He was a Chief Investment Strategist and Chief Portfolio Strategist at Fund Evaluation Group, LLC. David perfected his teaching style as an investment consultant to numerous not-for-profit institutions. His book Money for the Rest of Us: 10 Questions to Master Successful Investing is different from many of the investing books our audience may have read. It is pivotal in helping "the rest of us" make less emotional and risk conscious decisions when making any investment. 🔗 Connect with us Buy CUtFI a coffee Record a message for CUtFI Thank you to our sponsors: Personal Finance Club (Use code CUTOFI to get $30 OFF any course or PFC investing course only!) Measure Twice Money ($100 OFF "Create Your Own Financial Plan" Comprehensive Video Course) Nectarine: Advice-Only Financial Advisors Resources mentioned on the show:  Money for the Rest of Us Money for the Rest of US: 10 Questions to Master Successful Investing by David Stein Catching Up to FI Episode 025 with Rob Berger assetcamp.com The White Coat Investing Disclaimer: We are not lawyers, financial advisors, accountants or tax experts. Please consult your own professional advisors before making any important decisions. Our content is for entertainment and education purposes only.

Jonathan Clements is the founder and editor of the personal finance website HumbleDollar and author of nine personal finance books. Earlier in his career, Jonathan spent almost 20 years at The Wall Street Journal, where he was the newspaper's personal finance columnist, and six years at Citigroup, where he was director of financial education for the bank's U.S. wealth management arm.  Jonathan about covers topics from two of his books: "How to Think About Money" and his most recent book "My Money Journey: How 30 People Found Financial Freedom – And You Can Too." Note that one journey described in this book is that of a person who "makes a comeback in midlife". 🔗 Connect with us Buy CUtFI a coffee Record a message for CUtFI Thank you to our sponsors: Personal Finance Club (Use code CUTOFI to get $30 OFF any course or PFC investing course only!) Measure Twice Money ($100 OFF "Create Your Own Financial Plan" Comprehensive Video Course) Nectarine: Advice-Only Financial Advisors Resources mentioned on the show: Humble Dollar The White Coat Investor's Financial Boot Camp: A 12-Step High-Yield Guide to Bring Your Finances Up to Speed by James M Dahle Saving Our Retirement by Bill Yount How to Think About Money by Jonathan Clements My Money Journey: How 30 People Found Financial Freedom - And You Can Too by Jonathan Clements What is the Easterlin paradox? Catching Up to Fi Episode 039 with Mark Trautman  Catching Up to FI Episode 019 with Fritz Gilbert Catching Up to FI Episode 022 with Jordan Grumet Taking Stock: A Hospice Doctor's Advice on Financial Independence, Building Wealth, and Living a Regret-Free Life by Jordan Grumet The Seven Stages of Money Maturity: Understanding the Spirit and Value of Money in Your Life by George Kinder Disclaimer: We are not lawyers, financial advisors, accountants or tax experts. Please consult your own professional advisors before making any important decisions. Our content is for entertainment and education purposes only.

We welcome back Mark Trautman of Mark's Money Mind. Bill and Becky chatted with Mark on episode 12 about money in relationships. Mark also stood in for Bill as a co-host with Roger Whitney, the Q&A panel from CampFI, and On the Road with Catching Up to FI. In this conversation, we are going to dive into an alternative to the 4% Rule of Thumb. We see people in our community ask about a drawdown strategy in retirement, and the go-to answer seems to be the 4% Rule. But we would like to present another way of solving for that question, "How much money do I need for retirement?" 🔗 Connect with us Buy CUtFI a coffee Record a message for CUtFI Thank you to our sponsors: Personal Finance Club (Use code CUTOFI to get $30 OFF any course or PFC investing course only!) Measure Twice Money ($100 OFF "Create Your Own Financial Plan" Comprehensive Video Course) Nectarine: Advice-Only Financial Advisors Resources mentioned on the show: 4% Rule Early Retirement Now The Retirement and IRA Show with Jim Saulnier and Chris Stein The 4% Rule: EDU #2216 - The Retirement and IRA Show The Fun Number Part 1: EDU #2302 - The Retirement and IRA Show All About The Minimum Dignity Floor (MDF) Part 1: EDU #2231 - The Retirement and IRA Show What's an Annuity? Delayed Annuity Qualified Longevity Annuity Contract (QLAC) Fixed Period Annuity Amberly Grant CampFI FI Freedom Retreats Disclaimer: We are not lawyers, financial advisors, accountants or tax experts. Please consult your own professional advisors before making any important decisions. Our content is for entertainment and education purposes only.

For our last installment of On the Road with Catching Up to FI, Becky and co-host Mark chat with Stacey, a (p)retired fellow traveler and member of the Rock Retirement Club. Stacey graciously opens up about the challenges of moving, caring for an aging parent, and being a widow while on the path to FI.  🔗 Connect with us Buy CUtFI a coffee Record a message for CUtFI Thank you to our sponsors: Personal Finance Club (Use code CUTOFI to get $30 OFF any course or PFC investing course only!) Measure Twice Money ($100 OFF "Create Your Own Financial Plan" Comprehensive Video Course) Nectarine: Advice-Only Financial Advisors Resources mentioned on the show: Rock Retirement Club The Retirement Answer Man Show Disclaimer: We are not lawyers, financial advisors, accountants or tax experts. Please consult your own professional advisors before making any important decisions. Our content is for entertainment and education purposes only.

Caroline Ceniza-Levine is one half of Costa Rica Fire.  She and her husband, Scott (the other half), both grew up in New York City and have been married for 29 years.  In their 20s and 30s, financial independence and early retirement were not at all on Scott and Caroline's radar. They were focused on their jobs and raising their kids in New York City, but also starting to invest in real estate. After focusing on FIRE in their 40s, Scott and Caroline were both able to leave their corporate jobs, and now, in their 50s, they are empty nesters, traveling and splitting their time between New York City, Jacksonville, FL, and Tamarindo, Costa Rica. 🔗 Connect with us Buy CUtFI a coffee Record a message for CUtFI Thank you to our sponsors: Personal Finance Club (Use code CUTOFI to get $30 OFF any course or PFC investing course only!) Measure Twice Money ($100 OFF "Create Your Own Financial Plan" Comprehensive Video Course) Nectarine: Advice-Only Financial Advisors Resources mentioned on the show: Financial Mentor Financial Samurai Bigger Pockets International Living Costa Rica FIRE What is a HELOC? The Risk Paradox: Life Lessons from 102 Amazing Risk-Takers by Alan Ying and Doug Schneider The Small and Mighty Real Estate Investor: How to Reach Financial Freedom with Fewer Rental Properties by Chad Carson Disclaimer: We are not lawyers, financial advisors, accountants or tax experts. Please consult your own professional advisors before making any important decisions. Our content is for entertainment and education purposes only.

We take the show on the road again.  Becky and Mark Trautman, our guest co-host, chat with Rusty on their recent Alaskan cruise with Roger Whitney's Rock Retirement Club.  These episodes were recorded in front of a live audience.  They are simply chats with people in their peri-retirement years. 🔗 Connect with us Buy CUtFI a coffee Record a message for CUtFI Thank you to our sponsors: Personal Finance Club (Use code CUTOFI to get $30 OFF any course or PFC investing course only!) Measure Twice Money ($100 OFF "Create Your Own Financial Plan" Comprehensive Video Course) Nectarine: Advice-Only Financial Advisors Resources mentioned on the show: @catchinguptoFI Rock Retirement Club The Retirement Answer Man Show Boomer Benefits Disclaimer: We are not lawyers, financial advisors, accountants or tax experts. Please consult your own professional advisors before making any important decisions. Our content is for entertainment and education purposes only.

Cody Garrett, CFP, is a professional musician turned money man. He is the founder of the platform and financial advisory firm Measure Twice Financial.  He is a prolific contributor to the financial independence movement.  Among other things, we talk to him about vetting a financial advisor in an often confusing financial services industry.  Enjoy the show! 🔗 Connect with us Buy CUtFI a coffee Record a message for CUtFI Thank you to our sponsors: Personal Finance Club (Use code CUTOFI to get $30 OFF any course or PFC investing course only!) Measure Twice Money ($100 OFF "Create Your Own Financial Plan" Comprehensive Video Course) Nectarine: Advice-Only Financial Advisors Resources mentioned on the show: MeasureTwicePlanners.com MeasureTwiceMoney.com MeasureTwiceFinancial.com Data Gathering Checklist AdviceOnlyNetwork.com FlatFeeAdvisors.org Dave Ramsey Mad Fientist Bigger Pockets Money with Mindy Jensen and Scott Trench The Simple Path to Wealth: Your Road Map to Financial Independence and a Rich, Free Life by JL Collins Abundo Wealth Nectarine Disclaimer: We are not lawyers, financial advisors, accountants or tax experts. Please consult your own professional advisors before making any important decisions. Our content is for entertainment and education purposes only.

In this episode of On the Road with Catching Up to FI, Becky and guest co-host, Mark Trautman, talk candidly with a fellow traveler and recent retiree, Mike.  They are all on an Alaskan Cruise with the Rock Retirement Club, founded by a previous guest on the show, Roger Whitney, The Retirement Answer Man. 🔗 Connect with us Buy CUtFI a coffee Record a message for CUtFI Thank you to our sponsors: Personal Finance Club (Use code CUTOFI to get $30 OFF any course or PFC investing course only!) Measure Twice Money ($100 OFF "Create Your Own Financial Plan" Comprehensive Video Course) Nectarine: Advice-Only Financial Advisors Resources mentioned on the show: IRMAA (income-related monthly adjustment amount) SSA-44 Disclaimer: We are not lawyers, financial advisors, accountants or tax experts. Please consult your own professional advisors before making any important decisions. Our content is for entertainment and education purposes only.

Allan Roth is the founder of Wealth Logic, LLC, an hourly-based Investment Advisory and Financial Planning firm that uses behavioral finance, logic, and data to develop a financial approach that will produce significantly higher real returns than most investors for their desired level of risk.  He has been working in the investment world for 25 years in corporate finance and also has additional decades of experience in portfolio construction and performance benchmarking. Allan takes pride in being mocked on a semi-regular basis by some financial professionals for his hourly fee model and its apparent inability to make him rich. He is also the author of How A Second Grader Beats Wall Street and writes for AARP, Barron's, ETF.com, Advisor Perspectives, and others.  Allan has taught investments and behavioral finance at the University of Denver, Colorado College, and the University of Colorado at Colorado Springs and currently teaches continuing education classes on the subject to CPAs, attorneys, and CFP® certificants. Despite the many credentials he has earned, Allan claims he can still keep investing simple and "dares us to be dull" and think like second graders in our investing. His professional goal is never to be confused with Jim Cramer. 🔗 Connect with us Buy CUtFI a coffee Record a message for CUtFI Thank you to our sponsors: Personal Finance Club (Use code CUTOFI to get $30 OFF any course or PFC investing course only!) Measure Twice Money ($100 OFF "Create Your Own Financial Plan" Comprehensive Video Course) Nectarine: Advice-Only Financial Advisors Resources mentioned on the show: Wealth Logic - Dare to be Dull How a Second Grader Beats Wall Street by Allan Roth A Random Walk Down Wall Street: The Time-Tested Strategy for Successful Investing by Burton G. Malkiel The Millionaire Next Door: The Surprising Secrets of America's Wealthy by Thomas J. Stanley Prospect Theory Predictably Irrational by Dr. Dan Ariely The Bogleheads' Guide to the Three-Fund Portfolio: How a Simple Portfolio of Three Total Market Index Funds Outperforms Most Investors with Less Risk by Taylor Larimore The Simple Path to Wealth: Your road map to financial independence and a rich, free life by JL Collins How to Think About Money by Jonathan Clements The Four Pillars of Investing: Lessons for Building a Winning Portfolio by William J. Bernstein The Little Book of Common Sense Investing: The Only Way to Guarantee Your Fair Share of Stock Market Returns by John C. Bogle Common Sense on Mutual Funds by John C. Bogle tipsladder.com Fama and French's Three-Factor Model Open Social Security: Free, open-sourced Social Security strategy calculator The Long View Podcast Episode: I Embrace Dumb Beta with Allan Roth Catching Up to FI Episodes 008 & 009: We're Talking Millions! With Paul Merriman bogleheads.org Morningstar Yahoo Finance Winning the Loser's Game: Timeless Strategies for Successful Investing by Charles D. Ellis 2023 Bogleheads Conference Disclaimer: We are not lawyers, financial advisors, accountants or tax experts. Please consult your own professional advisors before making any important decisions. Our content is for entertainment and education purposes only.

Becky and guest co-host, Mark Trautman, talk to Tony about his journey to FI and retirement while on a cruise to Alaska.  This is part of a new series called On the Road with Catching Up to FI. 🔗 Connect with us Buy CUtFI a coffee Record a message for CUtFI Thank you to our sponsors: Personal Finance Club (Use code CUTOFI to get $30 OFF any course or PFC investing course only!) Measure Twice Money ($100 OFF "Create Your Own Financial Plan" Comprehensive Video Course) Nectarine: Advice-Only Financial Advisors Resources mentioned on the show: Rock Retirement Club The Retirement Answer Man Show Taking Stock: A Hospice Doctor's Advice on Financial Independence, Building Wealth, and Living a Regret-Free Life by Jordan Grumet But First, Save 10: The One Simple Money Move That Will Change Your Life by Sarah-Catherine Gutierrez Disclaimer: We are not lawyers, financial advisors, accountants or tax experts. Please consult your own professional advisors before making any important decisions. Our content is for entertainment and education purposes only.

Bill & Becky chat with our first surprise mystery guest!  Check it out! 🔗 Connect with us Buy CUtFI a coffee Record a message for CUtFI Thank you to our sponsors: Personal Finance Club (Use code CUTOFI to get $30 OFF any course or PFC investing course only!) Measure Twice Money ($100 OFF "Create Your Own Financial Plan" Comprehensive Video Course) Nectarine: Advice-Only Financial Advisors Resources mentioned on the show: TSP (Thrift Savings Plan) Grit: The Power of Passion and Perseverance by Angela Duckworth The Psychology of Money: Timeless lessons on wealth, greed, and happiness by Morgan Housel Dave Ramsey Rich Dad Poor Dad: What the Rich Teach Their Kids About Money That the Poor and Middle Class Do Not! By Robert Kiyosaki Rich Dad's Cashflow Quadrant: Rich Dad's Guide to Financial Freedom by Robert Kiyosaki The Simple Path to Wealth: Your Road Map to Financial Independence and a Rich, Free Life by JL Collins I Will Teach You To Be Rich by Ramit Sethi Audio from The Unshakeable Podcast with Tony Robbins: Part 1 and Part 2 Afford Anything with Paula Pant YNAB (You Need a Budget) Playing with FIRE Documentary The Stacking Benjamins Show Catching Up to FI Episode 022: Purpose, Identity, & Connection with Jordan Grumet Jillian Johnsrud's Mini Retirements Die With Zero: Getting All You Can from Your Money and Your Life by Bill Perkins ChooseFI 101 ChooseFI Podcast Essential Listening Guide Dexa AI The Kinetic Man [email protected] Disclaimer: We are not lawyers, financial advisors, accountants or tax experts. Please consult your own professional advisors before making any important decisions. Our content is for entertainment and education purposes only.

Bill & Becky chat about the conference Podcast Movement and our show live from the FinCon Booth. 🔗 Connect with us Buy CUtFI a coffee Record a message for CUtFI Thank you to our sponsors: Personal Finance Club (Use code CUTOFI to get $30 OFF any course or PFC investing course only!) Measure Twice Money ($100 OFF "Create Your Own Financial Plan" Comprehensive Video Course) Nectarine: Advice-Only Financial Advisors Resources mentioned on the show: FinCon Podcast Movement FI Tax Guy Sean Mullaney's YouTube Channel Stacking Benjamins Afford Anything with Paula Pant Lynn Frair: The 8 Forms of Capital Bigger Pockets Money with Mindy Jensen and Scott Trench Bite Your Tongue Podcast with Denise Gorant and Dr. Ellen Braaten Hey, Boomer! Podcast with Wendy Green [email protected] Disclaimer: We are not lawyers, financial advisors, accountants or tax experts. Please consult your own professional advisors before making any important decisions. Our content is for entertainment and education purposes only.

Diania Merriam is the founder of The EconoMe Conference, a party about money designed for the FI/FIRE Movement.  She is also the host of the popular podcast, Optimal Finance Daily, where she narrates articles from the best personal finance blogs on the planet (1M downloads per month). Discovering the FIRE movement in 2015 led her to get out of $30k of debt in 11 months, save 60% of her income, take a 2-month sabbatical to walk 500 miles across northern Spain on the Camino de Santiago, and self-fund her own business.  She retired from her corporate career at 33 years old and now helps others find community and inspiration on the path to financial freedom. 🔗 Connect with us Buy CUtFI a coffee Record a message for CUtFI Thank you to our sponsors: Personal Finance Club (Use code CUTOFI to get $30 OFF any course or PFC investing course only!) Measure Twice Money ($100 OFF "Create Your Own Financial Plan" Comprehensive Video Course) Nectarine: Advice-Only Financial Advisors Resources mentioned on the show: (As an Amazon Associate, I earn from qualifying purchases.) EconoMe Conference (Discount code: CATCHINGUP) Optimal Finance Daily Camino de Santiago Camp FI Mr. Money Mustache Camp Mustache The 4-Hour Workweek: Escape 9-5, Live Anywhere, Join the New Rich by Tim Ferriss The Simple Path to Wealth: Your Road Map to Financial Independence and a Rich, Free Life by JL Collins Sacred Rest: Recover Your Life, Renew Your Energy, Restore Your Sanity by Saundra Dalton-Smith Oura Ring Risk Parity Radio Podcast Disclaimer: We are not lawyers, financial advisors, accountants or tax experts. Please consult your own professional advisors before making any important decisions. Our content is for entertainment and education purposes only.

CampFI Rocky Mountain live recording Week 1 of a Panel Discussion answering questions from the attendees.  On the Panel are the Moderator, our own Becky Heptig, Mark Trautman, a guest on Episode 12 and a guest host on Episode 27, Doug Cunnington (The Doug Show), and Carl Jensen (Mr. 1500 Days).  Doug and Carl are the cohosts of the Mile Hi FI Podcast.  Sit back, relax with your favorite beverage and enjoy the tips, tricks, hacks, and humor of FI. 🔗 Connect with us Buy CUtFI a coffee Record a message for CUtFI Thank you to our sponsors: Personal Finance Club (Use code CUTOFI to get $30 OFF any course or PFC investing course only!) Measure Twice Money ($100 OFF "Create Your Own Financial Plan" Comprehensive Video Course) Nectarine: Advice-Only Financial Advisors Resources mentioned on the show: Camp FI The Mile High FI Podcast with Carl Jensen and Doug Cunnington Doug Show Podcast 1500 Days to Freedom Mr. Money Mustache Afford Anything FIREdating.me Mark's Money Mind Disclaimer: We are not lawyers, financial advisors, accountants or tax experts. Please consult your own professional advisors before making any important decisions. Our content is for entertainment and education purposes only.

Becky and guest co-host, Mark Trautman, chat with The Retirement Answer Man, Roger Whitney.  They are all on vacation with a group from the Rock Retirement Club.  Bill is back at the ranch working his day job and editing podcasts dreaming of time freedom on the path to financial independence, but still living his best life. As a certified financial planner for over 25 years, Roger uses his credentials and every channel possible to help people live well today without sacrificing tomorrow.  He is a three-time Plutus Award Winner for best retirement blog/podcast.  The podcast has over 8 million downloads and 475 episodes (and counting!).  He is the author of "Rock Retirement: A Simple Guide to Help You Take Control and Be More Optimistic About the Future."  Investopedia has ranked him as one of the top 100 most influential advisors several years in a row.  His mom passed away at 48, sacrificing the now while dreaming of the retirement brochure in the future.  He wants to help us shift what is possible in retirement by how we live, work, and celebrate what is possible right now - and keep doing it! 🔗 Connect with us Buy CUtFI a coffee Record a message for CUtFI Thank you to our sponsors: Personal Finance Club (Use code CUTOFI to get $30 OFF any course or PFC investing course only!) Measure Twice Money ($100 OFF "Create Your Own Financial Plan" Comprehensive Video Course) Nectarine: Advice-Only Financial Advisors Resources mentioned on the show: The Retirement Answer Man Rock Retirement Club Rock Retirement: A Simple Guide to Help You Take Control and Be More Optimistic About the Future by Roger Whitney The Second Mountain: The Quest for a Moral Life Atomic Habits: An Easy & Proven Way To Build Good Habits & Break Bad Ones by James Clear Outlive: The Science and Art of Longevity by Peter Attia Mark's Money Mind Disclaimer: We are not lawyers, financial advisors, accountants or tax experts. Please consult your own professional advisors before making any important decisions. Our content is for entertainment and education purposes only.

Barbara Sloan founded the Tipped Finance Platform and is the author of "Tipped: The life-changing guide to financial freedom for waitresses, bartenders, strippers, and other service industry professionals".  Her life story is incredible and inspirational.  She once lived in her car, danced for dollars, and definitely did not graduate from college.  She now owns a multi-million dollar construction company in New York, and is also a personal finance expert and a money coach.  Barbara is as brazenly brave, honest, resourceful, and transparent as any person that I have ever met. She is also, like many of us, a late starter. 🔗 Connect with us Buy CUtFI a coffee Record a message for CUtFI Thank you to our sponsors: Personal Finance Club (Use code CUTOFI to get $30 OFF any course or PFC investing course only!) Measure Twice Money ($100 OFF "Create Your Own Financial Plan" Comprehensive Video Course) Nectarine: Advice-Only Financial Advisors Resources mentioned on the show: Tipped Finance Tipped: The life changing guide to financial freedom for waitresses, bartenders, strippers, and all other service industry professionals Brene Brown Disclaimer: We are not lawyers, financial advisors, accountants or tax experts. Please consult your own professional advisors before making any important decisions. Our content is for entertainment and education purposes only.

Rob Berger wears many hats, he is a deputy editor at Forbes, an investor, lawyer, personal finance blogger, and YouTuber.  He founded the popular website Doughroller.net.  We discuss his book "Retire Before Mom & Dad: The Simple Numbers Behind a Lifetime of Financial Freedom."  The difference here is that we are mom and dad!  He recently published a video on his YouTube channel called "50+ and Haven't Saved for Retirement? Here's What To Do."  He gave our show a shout-out in the same breath as Mr. Money Mustache and Choose FI!  We reached out to him and he did not hesitate to join us today on Catching Up to FI. 🔗 Connect with us Buy CUtFI a coffee Record a message for CUtFI Thank you to our sponsors: Personal Finance Club (Use code CUTOFI to get $30 OFF any course or PFC investing course only!) Measure Twice Money ($100 OFF "Create Your Own Financial Plan" Comprehensive Video Course) Nectarine: Advice-Only Financial Advisors Resources mentioned on the show: Doughroller.net Retire Before Mom & Dad: The Simple Numbers Behind a Lifetime of Financial Freedom by Rob Berger 50+ and Haven't Saved for Retirement? Here's What To Do YouTube Video Financial Freedom Calculator What Is the 4% Rule for Withdrawals in Retirement and How Much Can You Spend? Atomic Habits: An Easy & Proven Way To Build Good Habits & Break Bad Ones by James Clear The Progress Principle: Using Small Wins to Ignite Joy, Engagement, and Creativity at Work by Steven Kramer and Teresa Amabile But First, Save 10: The One Simple Money Move That Will Change Your Life by Sarah-Catherine Gutierrez The Simple Path to Wealth: Your Road Map to Financial Independence and a Rich, Free Life by JL Collins Rocket Money Rob Berger's YouTube Channel Empower Personal Dashboard Mint NewRetirement Mr. Money Mustache LeanFIRE ChubbyFIRE FatFIRE Disclaimer: We are not lawyers, financial advisors, accountants or tax experts. Please consult your own professional advisors before making any important decisions. Our content is for entertainment and education purposes only.

Bill & Becky continue their chat with THE JL Collins, author of THE Simple Path to Wealth and the acclaimed "Godfather of FI".  We began the last episode with JL Collins playing John Goodman in the "Why you need F-You Money" clip.  We start this episode with "A Guided Meditation for When the Stock Market is Dropping".  JL helps us answer many questions.  What do we do when the stock market drops? What about international diversification?  What about dollar cost averaging a lump sum into the market?  Tune in! Just like the old EF Hutton commercial, "When JL Collins talks, people listen!" :) 🔗 Connect with us Buy CUtFI a coffee Record a message for CUtFI Thank you to our sponsors: Personal Finance Club (Use code CUTOFI to get $30 OFF any course or PFC investing course only!) Measure Twice Money ($100 OFF "Create Your Own Financial Plan" Comprehensive Video Course) Nectarine: Advice-Only Financial Advisors Resources mentioned on the show: JL Collins homepage A Guided Meditations for When the Stock Market is Dropping The Stock Series The Simple Path to Wealth: Your Roadmap to Financial Independence and a Rich, Free Life by JL Collins How I Lost Money in Real Estate Before it was Fashionable: A Cautionary Tale by JL Collins Pathfinders:  Extraordinary Stories of People Like You on the Path to Financial Independence-And How to Join Them by JL Collins to be released October 31, 2023 Dollar Cost Averaging Posts VTSAX, Vanguard's Total Stock Market Index Fund VBTLX, Vanguard's Total Bond Market Index Fund How I Failed My Daughter and a Simple Path to Wealth Disclaimer: We are not lawyers, financial advisors, accountants or tax experts. Please consult your own professional advisors before making any important decisions. Our content is for entertainment and education purposes only.

THE JL Collins is the author of THE Simple Path to Wealth and aptly named the "Godfather of FI".  For over 600,000 readers, his first book has become a sort of "Bible of FI".  He is a humble spokesperson for those on their own personal journey to financial independence.  In Part 1 of our conversation, we talk with him about his own journey and his thoughts on real estate and index fund investing.  We start the show with R-Rated audio from the popular JL Collins parody of a John Goodman clip from the movie "The Gambler", "The Position of F**k You". 🔗 Connect with us Buy CUtFI a coffee Record a message for CUtFI Thank you to our sponsors: Personal Finance Club (Use code CUTOFI to get $30 OFF any course or PFC investing course only!) Measure Twice Money ($100 OFF "Create Your Own Financial Plan" Comprehensive Video Course) Nectarine: Advice-Only Financial Advisors Resources mentioned on the show: JL Collins homepage The Position of F@#% You, JL Collins tribute to The Gambler with John Goodman The Simple Path to Wealth:  Your Roadmap to Financial Independence and a Rich, Free Life by JL Collins How I Lost Money in Real Estate Before It Was Fashionable: A Cautionary Tale by JL Collins Pathfinders: Extraordinary Stories of People Like You on the Quest for Financial Independence-And How to Join Them by JL Collins  The Stock Series by JL Collins The Simple Path to Wealth, JL Collins talks at Google  Why Your House is a Terrible Investment Roots vs Wings: Considering Home Ownership Rent vs Owning Your Home: Opportunity Cost and Running Some Numbers Time Machine and the Future Returns for Stocks Disclaimer: We are not lawyers, financial advisors, accountants or tax experts. Please consult your own professional advisors before making any important decisions. Our content is for entertainment and education purposes only.

Jordan Grumet, aka Doc G, is an accomplished doctor, blogger, public speaker, podcaster, and author.  He is the host of the incredibly popular and award-winning podcast Earn & Invest.  Bill thinks of him as a time-money philosopher.  Today we discuss his book Taking Stock: A Hospice Doctor's Advice on Financial Independence, Building Wealth, and Living a Regret-Free Life.  Bill would consider this book a companion book to JL Collin's "The Simple Path to Wealth".  Actually, Bill would read Jordan's book first. This is a show about mindset, life, and reverse engineering your death.  As one of Jordan's patients aptly said, "Dying is easy. Living is the harder part." 🔗 Connect with us Buy CUtFI a coffee Record a message for CUtFI Thank you to our sponsors: Personal Finance Club (Use code CUTOFI to get $30 OFF any course or PFC investing course only!) Measure Twice Money ($100 OFF "Create Your Own Financial Plan" Comprehensive Video Course) Nectarine: Advice-Only Financial Advisors Resources mentioned on the show: Earn & Invest Podcast Taking Stock: A Hospice Doctor's Advise on Financial Independence, Building Wealth, and Living a Regret-Free Life by Jordan Grumet The Simple Path to Wealth: Your Roadmap to Financial Independence and a Rich Free Life by J L Collins Vicki Robbin Jim Dahle Maslow's Hierarchy of Needs Disclaimer: We are not lawyers, financial advisors, accountants or tax experts. Please consult your own professional advisors before making any important decisions. Our content is for entertainment and education purposes only.

Brad Barrett is the co-founder and host of the ChooseFI Podcast and Platform.  We talk about his personal story, travel hacking, and the genesis of ChooseFI.  Since 2016, ChooseFI has literally changed the world in which we live.  It is the "ultimate crowdsourced personal finance podcast" with over 60M downloads.  It is a standard-bearer of hope that Bill has no doubt the majority of FI enthusiasts follow.  It encourages us to take action in all aspects of our lives, not just the financial ones. ChooseFI teaches us how to compound our marginal gains towards financial and time freedom and living our best lives. 🔗 Connect with us Buy CUtFI a coffee Record a message for CUtFI Thank you to our sponsors: Personal Finance Club (Use code CUTOFI to get $30 OFF any course or PFC investing course only!) Measure Twice Money ($100 OFF "Create Your Own Financial Plan" Comprehensive Video Course) Nectarine: Advice-Only Financial Advisors Resources mentioned on the show: ChooseFI ChooseFI online FI101 Class ChooseFI Travel Rewards Richmond Savers Travel Miles 101 The 4-Hour Work Week by Tim Ferriss Undercover Tourist Radical Personal Finance Disclaimer: We are not lawyers, financial advisors, accountants or tax experts. Please consult your own professional advisors before making any important decisions. Our content is for entertainment and education purposes only.

Amberly Grant is a community leader, financial educator, real estate investor, and was recently featured on CNBC's Make It Series.  She currently owns seven doors between Canada and the US, comprised of STRs and LTRs.  She creates financial educational content on Instagram, hosts a Tuesday FinTalks (where 30-50 people from all walks of life talk weekly about different financial topics), runs a mentorship program, and mastermind.  She does all this while holding down a W-2 job and breastfeeding her first child.  Amberly is bubbly, energetic, quirky, and determined to bring others along with her on the path to financial independence. 🔗 Connect with us Buy CUtFI a coffee Record a message for CUtFI Thank you to our sponsors: Personal Finance Club (Use code CUTOFI to get $30 OFF any course or PFC investing course only!) Measure Twice Money ($100 OFF "Create Your Own Financial Plan" Comprehensive Video Course) Nectarine: Advice-Only Financial Advisors Resources mentioned on the show: 50% Rule of Real Estate Investing CNBC Make It! Series FinTalks CampFI Amberly Grant Finance Disclaimer: We are not lawyers, financial advisors, accountants or tax experts. Please consult your own professional advisors before making any important decisions. Our content is for entertainment and education purposes only.

Fritz Gilbert is the author of the popular blog The Retirement Manifesto with over 13,000 subscribers.  He takes us on his journey to retirement in his fifties and discusses the hard (monetary) and soft (non-monetary) sides of retirement.  He emphasizes the importance of both and that the numbers are the easy part making up only really 20% of the journey to time freedom.  We discuss the "what are you going to do with your freedom" when you get there and when you should start that transition.  This is a long one, but you are gonna want to hear it all. 🔗 Connect with us Buy CUtFI a coffee Record a message for CUtFI Thank you to our sponsors: Personal Finance Club (Use code CUTOFI to get $30 OFF any course or PFC investing course only!) Measure Twice Money ($100 OFF "Create Your Own Financial Plan" Comprehensive Video Course) Nectarine: Advice-Only Financial Advisors Resources mentioned on the show: (As an Amazon Associate, I earn from qualifying purchases.) The Retirement Manifesto Keys to a Successful Retirement: Staying Happy, Active, and Productive in Your Retired Years by Fritz Gilbert John Bogle Vanguard How To Do A Backdoor Roth IRA, White Coat Investor Are Safe Withdrawal Rates Ridiculous Wade Pfau Retirement Researcher Capital One 360 Our Retirement Investment Drawdown Strategy, The Retirement Manifesto Blog Is The Bucket Strategy a Cheap Gimmick, The Retirement Manifesto Blog Mike Piper Retirement Heaven or Hell: 9 Principles For Designing Your Ideal Post-Career LIfestyle by Michael Drak Freedom for Fido It's Never Too Late To Save For Retirement, The Retirement Manifesto Blog Freedom For Fido Facebook Page Disclaimer: We are not lawyers, financial advisors, accountants or tax experts. Please consult your own professional advisors before making any important decisions. Our content is for entertainment and education purposes only.

Amy Coroso is a passionate advocate for women's financial literacy and retirement equality.  She is a divorced single mother of two boys with a middle income who woke up in her mid-forties to face her own financial illiteracy and poor planning.  She is now on track to reach financial freedom at 59.  She is also a brand new author and financial coach.  She has turned her financial weaknesses into the superpower of helping others build their financial muscles.  This is her first podcast guest appearance ever!  🔗 Connect with us Buy CUtFI a coffee Record a message for CUtFI Thank you to our sponsors: Personal Finance Club (Use code CUTOFI to get $30 OFF any course or PFC investing course only!) Measure Twice Money ($100 OFF "Create Your Own Financial Plan" Comprehensive Video Course) Nectarine: Advice-Only Financial Advisors Resources mentioned on the show: Planning Your Retirement Life: Secure Your Future NOW: A Woman's 8-Step Guide To Financial Freedom, Even If You Have No Money, No Time, and Don't Know Where to Start CBS News Article, The Shocking Reality for US Moms, Half Have No Retirement Savings Spousal IRA Financial Feminist The Budgetnista YNAB Dave Ramsey Tardus Wealth Strategies Income Snowball AJC Publications National Financial Education Council Happy Money Books Amy's email: [email protected] Disclaimer: We are not lawyers, financial advisors, accountants or tax experts. Please consult your own professional advisors before making any important decisions. Our content is for entertainment and education purposes only.

Vincent Pugliese was a self-proclaimed thief, taker, and failure in his formative years.  He later evolved into an award-winning professional photographer.  In his most recent life, he is an author, motivational speaker, professional coach, a time freedom fighter, an eternal optimist, and a giver. He is a contrarian philosopher and does not believe in FIRE (Financial Independence Retire Early) or Retirement.  This show is not about money, at least directly.  Bill & Becky talk with Vincent about freelancing to freedom and a wealth of connections.  Let us take you on a mindset journey into your best life now.  Why wait? 🔗 Connect with us Buy CUtFI a coffee Record a message for CUtFI Thank you to our sponsors: Personal Finance Club (Use code CUTOFI to get $30 OFF any course or PFC investing course only!) Measure Twice Money ($100 OFF "Create Your Own Financial Plan" Comprehensive Video Course) Nectarine: Advice-Only Financial Advisors Resources mentioned on the show: The Go Giver by Bob Burg and John David Mann Seth Godin Total Life Freedom website The Wealth of Connection by Vincent Pugliese free audio book Total Life Freedom School Total Life Freedom Mastermind and Community Disclaimer: We are not lawyers, financial advisors, accountants or tax experts. Please consult your own professional advisors before making any important decisions. Our content is for entertainment and education purposes only.