Retired at 48, lessons learned in the first year | 9toFI 039

One Year Retired: Finding Pace, Purpose, and Permission to SpendElliot and Josh discuss Josh passing one year since retiring after a 25-year career. Josh reflects on celebrating the milestone with a commemorative bike ride, says retirement has been overwhelmingly positive, and describes learning to slow down, avoid overloading projects, and use the power of saying no. He wants more small-group social activities because solo hobbies dominate his routine and large groups feel overstimulating. Josh explains a smooth career transition via a 14-month notice, gradual handoffs, and vacation time, though he still feels awkward using the word “retired,” partly due to ongoing rental property work. They discuss staying challenged without seeking constant entertainment, balancing house projects with hobbies, and shifting from scarcity to abundance by spending more, considering major home upgrades, and possibly selling problem rentals, while noting market downturns and withdrawal-rate comfort.00:00 Sunday Morning Check In00:44 One Year Retired03:43 Finding a New Pace05:47 Small Group Social Life11:43 Saying No and FOMO13:22 Career Transition Glide Path16:47 Owning the R Word20:56 Rentals Hobbies and Purpose29:53 Money Mindset and Spending52:00 Wrap Up and Listener ThanksDo you have feedback or suggestions? We want to hear from you!Contact Elliot: [email protected] Josh: [email protected] 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://fbuy.me/vgAmz⁠⁠Empower⁠ 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