Is Early Retirement still achievable for a 25 year old starting now? | 9 to FI 044

Is Financial Independence Still Repeatable? Talking “Beating the System,” Time, and Modern OptionsJosh asks Elliott about co-presenting an FI 201 session, which Elliott says went well with positive feedback and a turnout in the mid-60s to 70s, and they discuss continuing educational events to complement the group’s social focus. Josh then shares a comment from his 25-year-old son Caleb after Josh’s one-year “quitiversary,” saying Josh “beat the system” and implying retirement is getting harder, prompting a discussion about generational doom-and-gloom versus broader historical data. Elliott argues time is a 25-year-old’s advantage and that FI remains achievable by creating a savings gap and investing rather than holding cash, while Josh notes past high mortgage rates and today’s broader lifestyle options enabled by the internet and gig work. They discuss Caleb’s low-cost van-travel lifestyle, investing for long horizons, ignoring market-prediction headlines, and avoiding speculation like crypto or gambling.00:00 FI 201 Recap02:31 Quitiversary Reflection05:44 Is FI Still Possible08:32 Boomers Rates And Housing10:07 Caleb Van Life Economics14:14 Alternative Paths To Work20:45 Spending Less Superpower25:38 Markets Headlines Noise30:06 Wrap Up AdviceDo you have feedback or suggestions? We want to hear from you!Contact Elliot: [email protected] Josh: [email protected]’s other podcast: Stuck In BetaJosh’s YouTube channel: How To Fix It WorkshopAny of these products help the show. Thanks for your support!Mint Mobile - We both use ⁠Mint Mobile⁠ and save a ton on our phone plan: ⁠https://my.mintmobile.com/refer/aEWp5rL⁠Empower⁠ is Josh’s choice for Net Worth and BudgetingWanna create a podcast? We use ⁠Descript⁠Looking for a new credit card?  We’re big fans of ⁠Chase⁠⁠Buy Us a Coffee⁠ - One time donation or monthly, it’s up to youWant to save money on gas? Try ⁠Upside!⁠Books mentioned in this episode:Come find us and subscribe on YouTube: http://www.youtube.com/@9toFI