Catching Up to FI: Financial Independence for Late Starters
Catching Up to FI is mindset, money, and life show for late starters of any age and for any reason, on the journey to Financial Independence (FI). The show is hosted by two late starters that have clawed their way back financially and share a passion for financial literacy and education. Bill Yount, MD is an emergency room physician that is still working and Jackie Cummings Koski, CFP®, AFC® is a financial educator that reached FI and manage to retire at the age of 49 even after getting a late start. Together they talk to experts, other late starters, and explore topics that help listeners catch up and move closer to achieving their money and life goals. Our past guests have been thought leaders in the FI community with a special lens toward late starters, such as JL Collins (Simple Path to Wealth & Pathfinders), Brad Barrett (ChooseFI), Pete Adeney (Mr. Money Mustache), Paula Pant (Afford Anything), Mindy Jensen & Scott Trench (BiggerPockets), Jeremy Schneider (Personal Finance Club & Necatrine) and more.
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Banishing The Burden of Student Loan Debt | Travis Hornsby | 122
02/16/2025
Banishing The Burden of Student Loan Debt | Travis Hornsby | 122
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. 🌐 🔗 ☕ Like what you hear on Catching Up to FI? Support the show at 🎙️We love hearing from you! 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: For a full list of our partners, sponsors and affiliates, click here: 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: 🌐 🎙️ 🗣️ 📢 Charity shout out: 📣 Podcast shout out: 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 . 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.
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Attorney Spilling all the Legal Tea on Estate Planning | Jenny Rozelle | 121
02/09/2025
Attorney Spilling all the Legal Tea on Estate Planning | Jenny Rozelle | 121
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 🔗 === 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: For a full list of our partners, sponsors and affiliates, click here: Resources mentioned on the show: (As an Amazon Associate, I earn from qualifying purchases.) 🌐 🎙️ 🎙️ n The online Estate Planning program Jackie used for her 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 . 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.
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"Mama, Are We Poor?”: a Single Mom's Millionaire Mindset | Monica Scudieri | 120
02/02/2025
"Mama, Are We Poor?”: a Single Mom's Millionaire Mindset | Monica Scudieri | 120
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. 🔗 === 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: For a full list of our partners, sponsors and affiliates, click here: Resources mentioned on the show: (As an Amazon Associate, I earn from qualifying purchases.) 🌐 📗 ESI Money article: 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 . 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.
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Leaning Out: Cracking the Burnout Code | Dawn Baker | 119
01/26/2025
Leaning Out: Cracking the Burnout Code | Dawn Baker | 119
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 . 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. 🔗 🔥🔥🔥 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: 🎓 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: For a full list of our partners, sponsors and affiliates, click here: Resources mentioned on the show: (As an Amazon Associate, I earn from qualifying purchases.) 🌐 📗 📕 ~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 . 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.
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Taking it to the Streets: Best Pro Tips for Late Starters | FinCon Attendees | 118
01/22/2025
Taking it to the Streets: Best Pro Tips for Late Starters | FinCon Attendees | 118
In this episode, we're taking it to the streets of Atlanta, GA where the 2024 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?" 🔗 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) 🌐 Rocky Lalvani (Profit Comes First) 🌐 Heather Phillips (Tiller) 🌐 Fritz Gilbert (Retirement Manifesto) 🌐 Podcast Episode: 📗 Keys to a Successful Retirement: Staying Happy, Active, and Productive in Your Retired Years Buy👉🏻 https://amzn.to/4g31kMr Diania Merriam (EconoMe Conference) 🌐 Podcast Episode: Skyler Fleming (Money Talk with Skyler Fleming) 🌐 Sean Mullaney (The FI Tax Guy) 🌐 Podcast Episodes: Doug Nordman aka Nords (Military Financial Independence) 🌐 Podcast Episode: 📗Raising Your Money-Savvy Family For Next Generation Financial Independence Buy👉🏻 📕Military Guide to Financial Independence and Retirement Buy👉🏻 Larry Tuch (The Abundant Wallet) 🌐 Crystina Cardozo (Run the Numbers) 🌐 Avanti Shetye (Wealthwyzr) 🌐 Aseefa Ismail (Balanced Checkbook) 🌐 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 . 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.
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Retirement Remix: Crafting Financial Futures with Purpose | Christine Benz | 117
01/19/2025
Retirement Remix: Crafting Financial Futures with Purpose | Christine Benz | 117
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, . 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. 🔗 🔥🔥🔥 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: 🎓 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: 📈 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: 💸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: For a full list of our partners, sponsors and affiliates, click here: Resources mentioned on the show: (As an Amazon Associate, I earn from qualifying purchases.) 🌐 📗 Catching Up to FI Episodes mentioned: 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 . 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.
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Value-Based Spending: The Latte Chronicles | Jen Smith & Jill Sirianni | 116
01/12/2025
Value-Based Spending: The Latte Chronicles | Jen Smith & Jill Sirianni | 116
In this episode, we talk with Jen and Jill from the Frugal Friends Podcast and authors of the new book 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. 🔗 🔥🔥🔥 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: 🎓 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: 📈 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: 💸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: For a full list of our partners, sponsors and affiliates, click here: Resources mentioned on the show: (As an Amazon Associate, I earn from qualifying purchases.) 🌐 📗 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 . 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.
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The pURPOSE Code | Jordan Grumet | 115
01/05/2025
The pURPOSE Code | Jordan Grumet | 115
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. 🔗 In this episode, we talk with Jen and Jill from the Frugal Friends Podcast and authors of the new book 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. 🔗 🔥🔥🔥 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: 🎓 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: 📈 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: 💸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: For a full list of our partners, sponsors and affiliates, click here: Resources mentioned on the show: (As an Amazon Associate, I earn from qualifying purchases.) 🌐 🌐 📗 📗 Catching Up to FI Episode: 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 . 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.
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Weathering Financial Storms | Kristen Knapp | 114
12/29/2024
Weathering Financial Storms | Kristen Knapp | 114
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. 🔗 Thank you to our sponsor: Resources mentioned on the show: 🌐 Email: Episode Mentioned: 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 . 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.
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FINCON Jeopardy | Justin Peters, Joel Larsgaard & Justin Brown-Woods | 113
12/25/2024
FINCON Jeopardy | Justin Peters, Joel Larsgaard & Justin Brown-Woods | 113
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. 🔗 Thank you to our sponsor: Resources mentioned on the show: As an Amazon Associate, I earn from qualifying purchases.) 📕 F.I.R.E. For Dummies ~ Jackie Cummings Koski 👉🏻 https://amzn.to/3BInEgu 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 . 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.
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Tactical Tips and Tripwires: The DIY Financial Planner's Guide | Cody Garrett | 112
12/22/2024
Tactical Tips and Tripwires: The DIY Financial Planner's Guide | Cody Garrett | 112
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. 🔗 Thank you to our sponsor: Resources mentioned on the show: 🌐 🌐 "Create Your Own Financial Plan" Comprehensive Video Course ($100 OFF) 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 . 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.
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Mr 4% is now Mr 5% | Bill Bengen | 111
12/15/2024
Mr 4% is now Mr 5% | Bill Bengen | 111
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. 🔗 Thank you to our sponsor: Resources mentioned on the show: (As an Amazon Associate, I earn from qualifying purchases.) 🌐 📗 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 . 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.
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Say Cheese!: The Retirement Spending Smile | David Blanchett | 110
12/08/2024
Say Cheese!: The Retirement Spending Smile | David Blanchett | 110
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. 🔗 Thank you to our sponsor: Resources mentioned on the show: 🌐 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 . 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.
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Childfree Wealth and Life Planning | Dr. Jay Zigmont | 109
12/04/2024
Childfree Wealth and Life Planning | Dr. Jay Zigmont | 109
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 '' 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. 🔗 Thank you to our sponsor: Resources mentioned on the show: 🌐 Order Jay's new book: 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 . 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.
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Year-End Financial Wrap-Up, Tips, and Resolutions | Eric Simonson | 108
12/01/2024
Year-End Financial Wrap-Up, Tips, and Resolutions | Eric Simonson | 108
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. 🔗 Thank you to our sponsor: Resources mentioned on the show: 🌐 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 . 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.
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Finding the Sweet Spot: Financial Literacy Meets Psychology | Jack Howard From Ally at FinCon | 107
11/24/2024
Finding the Sweet Spot: Financial Literacy Meets Psychology | Jack Howard From Ally at FinCon | 107
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, , 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 in 2023 and 2024. Special thanks to for sponsoring the Podcast booth at FinCon 2024. 🔗 Thank you to our sponsor: Resources mentioned on the show: 🌐 (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.
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Sequence of Returns Risk: What Every Retiree Needs to Know | Karsten Jeske | 106
11/17/2024
Sequence of Returns Risk: What Every Retiree Needs to Know | Karsten Jeske | 106
Karsten Jeske also known as “Big ERN” is the founder and genius behind . He writes on all topics related to personal finance but is best known for his comprehensive . 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. 🔗 Thank you to our sponsor: Resources mentioned on the show: 🌐 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.
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Space Telescopes, Sunflowers, and Financial Gardening | Jesse Cramer | 105
11/10/2024
Space Telescopes, Sunflowers, and Financial Gardening | Jesse Cramer | 105
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. 🔗 Thank you to our sponsors: Resources mentioned on the show: 🌐 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.
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Tennis and the Stock Market: Winning the Loser's Game | Disha Spath | 104
11/03/2024
Tennis and the Stock Market: Winning the Loser's Game | Disha Spath | 104
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. 🔗 Thank you to our sponsors: Resources mentioned on the show: (As an Amazon Associate, I earn from qualifying purchases.) 🌐 , Year-End 2023, S&P Dow Jones Indices by Charles D. Ellis, Financial Analysts Journal, Jan/Feb, 1995 by Nick Maggiulli, Of Dollars And Data, July 23,2024 , 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.
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Generosity and Smart Spending: A Family Affair | Andy Hill | 103
10/27/2024
Generosity and Smart Spending: A Family Affair | Andy Hill | 103
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. 🔗 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.) 🌐 Marriage, Kids, and Money Website YouTube Instagram Podcast Coast FIRE Number: What Is It And How To Calculate It Charities for Children: 12 Organizations Giving Kids a Better Chance at Life An Alternative to 10% Giving for the Modern Family 🕒 Timestamps/Chapters: The Financial Wake-Up Call Discovering the Debt-Free Movements Introduction to Andy Hill Andy Hill's Financial Journey The House Blunders and Lessons Learned The Psychological Benefits of Being Mortgage-Free Understanding Coast FI Understanding Coast FI Personal Journey to Coast FI Balancing Work and Life Marriage Counseling and Career Shift Transition to Financial Coaching Generational Wealth and Giving Teaching Kids About Money and Generosity Family Traditions and Generosity 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.
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Beyond the Alphabet Soup: Expert Tips for Mastering Medicare & Avoiding Pitfalls | Danielle Roberts | 102
10/20/2024
Beyond the Alphabet Soup: Expert Tips for Mastering Medicare & Avoiding Pitfalls | Danielle Roberts | 102
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. 🔗 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.) 🌐 Boomer Benefits Website: Boomer Benefits YouTube Channel: Boomer Benefits Facebook Group: 📗 10 Costly Medicare Mistakes You Can't Afford to Make: Catching Up to FI Health Savings Account Episode Part 1, Episode 98: Catching Up to FI Health Savings Account Episode Part 2, Episode 99: 🕒 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.
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Wanderlust and Wealth: A Nomadic Guide to FI | Cris Gawlik | 101
10/13/2024
Wanderlust and Wealth: A Nomadic Guide to FI | Cris Gawlik | 101
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. 🔗 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.) Website Facebook Linktree IRS 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.
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From Zero to Hero: A Late Starter’s Guide to the Galaxy | Becky Heptig | 100
10/06/2024
From Zero to Hero: A Late Starter’s Guide to the Galaxy | Becky Heptig | 100
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. 🔗 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) PFC courses https://courses.personalfinanceclub.com/?ref=0114d0 or PFC investing course only 🍑 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 Resources mentioned on the show: (As an Amazon Associate, I earn from qualifying purchases.) : Donate Episodes: 📗 ~Mr. Money Mustache : Your Road Map to Financial Independence and a Rich, Free Life ~JL Collins (4% as of 10/4/24 + $100 Bonus with direct deposit-by 12/31/22024) Personal Finance Club - example for late starters: The Ultimate Investing Checklist: Ground Rules according to the Money Guys 2/1/24: 🕒 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.
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Maximizing HSAs Part 2: Devising Drawdowns, Badass Scenarios & Listener Questions | Jeff York | 99
10/01/2024
Maximizing HSAs Part 2: Devising Drawdowns, Badass Scenarios & Listener Questions | Jeff York | 99
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 & ). 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: 🔗 Thank you to our sponsors: : Advice-Only Financial Planning for Everyone : Your personal data is yours again : Use code CUTOFI to get $30 OFF any course or : 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.) 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.) 🕒 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.
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Mind Blowing ways to Maximize Your Health Savings Account (HSA) | Jeff York | 98
09/29/2024
Mind Blowing ways to Maximize Your Health Savings Account (HSA) | Jeff York | 98
In this special two-part episode we unveil the 'Wealthy Custodian,' Jeff York (from episode & ), 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: 🔗 Thank you to our sponsors: : Advice-Only Financial Planning for Everyone : Your personal data is yours again : Use code CUTOFI to get $30 OFF any course or : 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.) 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.) 🕒 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.
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A Hero’s Journey: Krista & Ed, The Mother of All Case Studies! | Krista and Ed Kim | 97
09/22/2024
A Hero’s Journey: Krista & Ed, The Mother of All Case Studies! | Krista and Ed Kim | 97
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. 🔗 Thank you to our sponsors: : Advice-Only Financial Planning for Everyone : Your personal data is yours again : Use code CUTOFI to get $30 OFF any course or : 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.) 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.) 🕒 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.
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Money Dates and Marriage Myths: A Financial Toolkit for Couples | Brian Page | 96
09/15/2024
Money Dates and Marriage Myths: A Financial Toolkit for Couples | Brian Page | 96
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. 🔗 Thank you to our sponsors: 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). : Advice-Only Financial Planning for Everyone : Your personal data is yours again : Use code CUTOFI to get $30 OFF any course or : 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.) 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.) 🕒 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.
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Enoughness: Your Life or Your Money | Vicki Robin | 95
09/08/2024
Enoughness: Your Life or Your Money | Vicki Robin | 95
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. 🔗 Thank you to our sponsors: : Advice-Only Financial Planning for Everyone : Your personal data is yours again : Use code CUTOFI to get $30 OFF any course or : 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.) 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.) 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.
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Doña Quixote, Life Energy, and The Coming of Aging | Vicki Robin | 94
09/01/2024
Doña Quixote, Life Energy, and The Coming of Aging | Vicki Robin | 94
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. 🔗 Thank you to our sponsors: : Advice-Only Financial Planning for Everyone : Use code CUTOFI to get $30 OFF any course or $100 OFF "Create Your Own Financial Plan" Comprehensive Video Course : 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.) 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.) 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.
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Millennial Revolution is in The House! | Kristy Shen, Bryce Leung & Little Matchstick | 93
08/25/2024
Millennial Revolution is in The House! | Kristy Shen, Bryce Leung & Little Matchstick | 93
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. 🔗 ☕ 📼 Thank you to our sponsors: : Advice-Only Financial Planning for Everyone : Use code CUTOFI to get $30 OFF any course or $100 OFF "Create Your Own Financial Plan" Comprehensive Video Course : 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.) 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.) 🕒 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.
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