9 to FI - Financial Independence Conversations

Should We Tap a 401(k) Early for Home Upgrades? A Middle-Class Trap Liquidity DebateJosh and Elliot discuss the “middle class trap” idea—having most wealth tied up in 401(k)s and home equity—and how it affects liquidity and flexibility. Josh is retired with nearly $2.9M net worth, outlines cash ($65K), taxable brokerage (~$95K), $1.4M tax-deferred 401(k)s, paid-off home with a $135K HELOC at 7.75%, rental property equity (~$600K), and his wife Lori’s income (~$4,500/month) and pension value. They consider funding roughly $60K of long-delayed home projects (deck, fence, hardscaping). Josh explores early 401(k) withdrawal while Lori works (12% bracket plus 10% penalty) versus using cash/taxable, HELOC, rental cash flow, Roth conversions, 72(t) strategies, or a margin loan, debating taxes, penalties, opportunity cost, and psychological comfort with liquidity and debt.00:00 Basement Backdrop Banter01:05 Hybrid Worker Setup02:09 Middle Class Trap Debate06:56 Real Estate vs Liquidity10:53 Home Projects Wish List12:15 Net Worth Breakdown14:18 Income and Rental Cash Flow17:39 Spending Goals and Timeline19:23 Why Spend Now22:03 401k Withdrawal Idea28:09 Elliot Runs the Numbers31:54 Lori Cash Flow Mindset33:54 Equity Return Reality Check35:08 Liquidity Options Beyond 401k36:44 Psychology Versus Math39:44 Early Withdrawal Penalty Math42:56 FI Tax Strategies 72t And Roth46:43 Opportunity Cost Of Cashing Out48:38 Option A Spend Taxable Cash49:55 Hybrid Plan And ACA Angle52:35 Replenish Reserves And Debt Aversion54:46 HELOC Bridge Versus Penalty56:18 Middle Class Trap And Money Trauma57:56 Drawdown Order And Account Strategy59:40 Margin Loans And Market Risk01:04:03 Wrap Up And Next Episode TeaseDo 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

Morning Routines After FI: Slow Mornings, Habits, and StructureJosh and Elliot discuss the value of routines—especially morning routines—after retirement and in working life, sparked by Sarah sharing an Inside Out Money episode about compounding habits. Josh recounts the host’s early-retirement lack of structure and how adopting morning habits (sunlight, water, exercise) improved her feelings of laziness, prompting reflection on their own routines. Elliot describes minimal weekday routines shaped by hybrid commuting (up around 5:15–5:30 for office days; 6:30 for work-from-home) and weekends influenced by young kids, meal planning, and shared calendars. Josh outlines a long-standing 5:00 AM “slow morning” routine with water, coffee, reading/creative work, and workouts, plus consistent bedtime habits, limited news/social media, and discussion of experimenting with exercise schedules and subscription “money leaks.”00:00 Why Routines Matter00:17 Podcast Spark02:10 Elliot Morning Schedule04:54 Josh Slow Mornings12:09 Habits And Motivation19:05 Making Workouts Work27:10 Evening Routine Talk32:23 Social Media And Shopping35:24 Streaming Subscriptions38:41 Final Routine TakeawaysDo 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://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

The Power of Saying No: Boundaries at Work, with Family, and with YourselfJosh and Elliot discuss how to say no to bosses, coworkers, friends, family, and oneself, reflecting on their shared people-pleasing tendencies. They open with accountability updates (Josh scheduling a colonoscopy; Elliot struggling to restart workouts after illness and foot pain), then share examples of difficulty setting boundaries, including Josh’s guilt over refusing Elliot’s brake help but spending a Sunday fixing another friend’s brakes after giving bad advice. Josh describes learning to say no at work by clarifying priorities and negotiating tradeoffs to avoid burnout, influenced by ideas like Cal Newport’s, while Elliot notes that extra effort isn’t always rewarded and emphasizes focusing on the most impactful work. They contrast work boundaries with the harder emotional challenge of saying no to friends and family, discuss regret and FOMO, and address saying no to oneself by limiting new projects, side hustles, and time commitments in early retirement.00:00 Why Saying No Matters01:14 Accountability Buddy Check In03:59 The Brake Job Karma Story06:28 Saying No at Work11:15 Quality Over Quantity15:53 COVID Era Boundaries19:05 Declining the Return Invite21:35 Friends Family Guilt23:04 People Pleaser Guilt24:06 Hell Yes Philosophy25:28 Saying Yes Then Regret27:02 Retirement Boundaries28:28 Fence Favor Fallout31:38 No To Yourself32:35 Side Hustle Temptations35:39 Time Value Debate37:57 Babysitter Rate Reality39:07 Practicing Better Nos41:16 Closing And FeedbackDo 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://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

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

Health Updates, Market Dip Investing, Rental Property Drag, and the Decision to Stay in the U.S.Josh and Elliot discuss several updates: both are working on fitness routines and comparing heavier-weight/low-rep training with lighter-weight/higher-rep approaches focused on avoiding injury, while Josh admits he still hasn’t scheduled a colonoscopy after his physical. They talk investing during a market downturn, with Josh buying small amounts of VTI when it hits a self-set price threshold and Elliot funding two IRAs ($14,000) while weighing Roth vs traditional vs brokerage contributions near income limits. Josh shares frustration with scope creep and low urgency on two rental property projects, including a vacant unit he hopes to rent by end of June. They review 2025 taxes, noting Josh’s unexpected near-break-even result due partly to a small Roth conversion and rental profit, and Josh considers Roth conversions in 2026. Elliot reveals his family decided not to move to France due to difficult travel and desire to stay close to family.00:00 Catch Up And Teaser01:12 Health Journey Updates03:05 Training Styles And Injury Prevention06:34 Doctor Visits And Colonoscopy07:09 Game Of Thrones Tangent15:12 Investing During A Dip18:18 IRA Choices And Cash Plans22:14 Rental Rehab Scope Creep24:04 Motivation Without Deadlines25:10 Part Time Landlord Reality26:27 June Rental Deadline Pressure27:24 Decumulating Rentals Debate28:43 Tax Meeting Takeaways30:11 Roth Conversion Surprise34:24 Refunds Versus Withholding36:17 Roth Ladder Planning38:06 Retirement Pressure Stories39:46 France Move Decision44:10 Testing The Hypothesis46:08 Staying Put Wrap UpDo 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

Exploring a Move to France: Small-Town Life, Schools, Housing, and the Travel Reality CheckElliot returns to the podcast and briefly recaps how Lori filled in as a guest, then he shares details from a 10-day exploratory trip to France with Dawn focused on potentially relocating. They flew from St. Louis to Atlanta, Amsterdam, and Bordeaux, rented a car, and spent most of their time in the small village of Eymet, noting its expat presence, language realities, walkable town center, and seasonal tourism. They toured a potential school for their kids, met the principal and teachers, and viewed a possible in-town rental whose British owners made the process easier than typical French “dossier” requirements. Despite a highly positive visit, they express new hesitation about the burdensome multi-leg travel for family and friends, plus constraints around Elliot’s job not being remote if they stay with his employer, leaving their plans more uncertain.00:00 Cold Open Banter00:23 Lori Fills In01:34 311 Concert Recap03:41 France Trip Begins04:44 Life in Eymet07:43 Getting Around and Wine11:35 Schools and Housing Plans16:38 Travel Friction Doubts20:03 Friends Family Visits27:07 Work and FIRE Options31:51 Facebook and Prime Confessions40:04 Wrap Up and Next StepsSpotify:Do 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

Why We Paid Off a 3.75% Mortgage Early (and What My First Year of Retirement Looks Like) | Josh & LoriWhy would Josh and Lori pay off a low-interest 3.75% mortgage years early—before Josh retired? On 9 to FI, Josh hosts the show solo while co-host Elliot travels in France, and welcomes first-time guest Lori for a candid conversation recorded in a Columbia, Missouri hotel before a Nick Hexum concert. They explain paying off their primary home mortgage in 2024—about 19 years into a 30-year loan—despite common advice to invest instead, with Lori emphasizing emotional security, reduced stress, and eliminating a major monthly expense before relying less on Josh’s income. They discuss budgeting changes, remaining costs like taxes and insurance, and wanting to avoid future debt. Lori also shares an honest assessment of Josh’s first year of retirement, including struggles with structure, balancing fun with chores and rental rehabs, and how rental demands have affected his mood and routines, alongside benefits like more help at home.00:00 Welcome and Guest Setup01:36 Meet Lori in Columbia02:51 Why Pay Off Mortgage04:46 Emotional Money Mindset06:49 Low Rate vs Investing Debate09:24 Debt Free Future Plans12:03 One Year Into Retirement14:00 Finding Structure and Balance15:52 Rental Rehab Season18:28 Household Chores and Roles21:01 Wrap Up and Future Episode Tease21:38 Hotel Room BloopersDo 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

Do Josh and Elliot Regret Chasing Financial Independence? ACA Health Insurance Costs, FI Sacrifices, and Lessons LearnedDo Josh and Elliot have regrets from chasing financial independence? Before discussing regrets, Josh shares what he learned about ACA health insurance and premium tax credits after listening to ChooseFI episode 588 with Cody Garrett: premiums rise with age (potentially 7–8% yearly), and healthcare costs are often obscured by employer coverage. He tests estimates on healthcare.gov: at ages 49/48 with $84,000 MAGI, a bronze plan is $1,080/month with a $700 credit (~$380 out of pocket), while at age 62 the premium rises nearly $800 with a larger $1,656 credit, and without subsidies could approach $2,000/month ($24,000/year). They then reflect on FI regrets: early “fast and furious” scrimping, being cheap vs frugal (thermostat battles, delaying home improvements), saying no to experiences like concerts, overdoing side hustles and rehabs at the expense of time with grandparents and kids, pushing a spouse toward retirement, and staying too cautious in careers.00:00 Welcome and Setup00:34 ACA Premiums Surprise03:52 Running Healthcare Estimates06:47 Planning for Subsidy Cliffs08:42 Switching to Regrets08:58 Early FI Mindset10:45 Josh Story and Thermostat15:01 Home Upgrades and Cheapness22:06 Time Tradeoffs with Family34:29 Saying No to Experiences36:09 Pushing Spouse and Career39:17 Closing Thoughts on Regret40:17 Wrap Up and GoodbyeSpotify:Do 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: Tax Planning To And Through Early Retirement: https://amzn.to/4bstLmNCome find us and subscribe on YouTube: http://www.youtube.com/@9toFI

Josh Recaps a Two-Week Las Vegas Trip as Josh and Elliot Discuss FIRE Spending, the 4% Rule, and ACA Subsidy CliffsJosh and Elliot record an off-the-cuff episode to keep their weekly podcast goal, with Josh recapping a two-week Las Vegas trip focused on concerts (Def Leppard and two long 311 sets), hiking, and other entertainment rather than heavy gambling, though a brief roulette/blackjack run with his son ended in losing winnings. Josh notes dining out cost nearly $2,000 over two weeks for a group that sometimes totaled five people, prompting broader FIRE discussions about tracking true annual spending, budgeting “guardrails,” and sequence-of-returns risk. Josh shares that early 2026 expense tracking suggests $80–90K annual spend rather than a guessed $60K, affecting reliance on the 4% rule. They discuss withdrawal cadence, investor policy statements, 72(t) vs Roth conversion ladders, and Josh’s concern about ACA subsidy cliffs around ~$84K MAGI given rental income and tax-deferred assets. Elliot updates on planning a France move, uncertain timing, remote-work approval, and whether to sell or rent their house.00:00 Back From Vegas00:56 Concerts And Hiking03:16 Roulette And Blackjack06:04 Trip Costs Reality Check09:07 Tracking Spending Guardrails14:26 Market Drops And Mindset21:31 Withdrawal Strategy Talk29:32 ACA Subsidy Cliff37:19 Drawdown Options Complexity40:24 France Move Update43:12 Sell Or Rent The House47:10 Wrap Up And 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

Josh and Elliot Do an Expense Audit: Stop Lifestyle Creep, Cut Money Leaks, and Reduce Big Tech DependenceJosh tells Elliot he was mentioned in ChooseFI episode 586 (“Stop Lifestyle Creep with the Expense Audit”) after emailing in about finding “money leaks” by reviewing Q4 expenses, comparing the process to cleaning out a junk drawer, and cutting about $400/month. Josh and Elliot discuss how periodic expense audits help restore intentional spending habits and reference the idea that each $100/month saved can reduce a FI “fine number” by about $30,000.They share recent budget snapshots: Josh describes January spending as “lumpy,” with about $4,000 in core spending plus another roughly $4,000 in travel payments for a big trip, bringing total monthly spend to about $8,500, while noting improved intentionality compared to earlier spending. Elliot reports a 54.2% January savings rate, about $8,300 in expenses on a little over $18,000 take-home pay, helped by a January reimbursement tied to work’s flexible spending account for children’s tuition; he notes this is the last year of preschool tuition. Elliot’s top categories remain groceries and food/drink; restaurants were about $400, while “groceries” were about $1,470, reflecting both inflation and a shift toward higher-quality food.They discuss reducing spending and “friction” from subscriptions and retailers, including Elliot’s effort to “sever ties” with Amazon, while Josh finds Amazon Prime re-billed after he thought it was paused and plans to investigate. Elliot describes limited Amazon use after canceling Prime (with occasional purchases for a small business and one instance using a family member to obtain lunchboxes). Josh mentions buying the new “Tax” book by Mullaney and Cody Garrett through Amazon when he couldn’t find it locally, and they share a tip from Mile Hi FI about finding inexpensive used books on eBay.Elliot also describes cutting ties with Facebook as part of “cutting allegiance to the billionaires,” noting his main prior use was groups (including local ChooseFI meetups), and that removing the app reduced reflexive checking and “phantom notification” behavior. He mentions a downside: he learned about a friend’s sudden death only because his wife still uses social media, and he missed seeing birthday posts. They talk about Facebook Marketplace and Messenger, with Josh saying Messenger is one reason he keeps an account.They close with media and time-use habits (Josh watches YouTube mainly on TV; Elliot watches YouTube for research on a move to France) and preview a future discussion about Elliot’s potential early retirement and move timeline (possibly about six months), including planning for a drawdown portfolio versus accumulation, referencing Frank Vasquez’s research and Carl from “Mr. 1500” as contrasting approaches.00:00 ChooseFI Shoutout Surprise01:53 Expense Audit Money Leaks03:07 Savings Rate Math Wins04:44 January Spending Lumps09:09 Groceries Inflation Reality12:10 Breaking Up With Amazon16:51 Book Buying Alternatives18:50 Cutting Facebook Ties26:24 Notifications Phone Habits30:59 YouTube Replaces Scrolling34:01 France Move Retirement Talk37:20 Wrap Up And Next TimeDo 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

Josh on Early Retirement Real Estate Turnover + Elliot’s Plan to Move His Family to France in 2026Josh shares how a tenant turnover and light rehab has felt like a part-time job in early retirement, especially due to multiple commutes into the city, and explains they’re not rushing the turnaround while handling painting and minor repairs themselves. He also discusses tracking hours toward IRS real estate professional status (750 hours) and gives an update that Lori is gradually reducing work hours by taking partial days off, with plans to take a full day off next week. Elliot then discusses his family’s decision to relocate to France in September 2026 so their three children can enroll in French public school, and describes using a paid course/checklist to project-manage the move. He explains that his wife and kids have EU citizenship (Italy) and that he plans to use a familial visa, and outlines why France: favorable US–France tax treaty treatment as he understands it, cultural and lifestyle reasons, language immersion, reputed public education, milder weather in southwestern France, and access to healthcare. Elliot notes they will likely rent first, describes key cost-of-living considerations including higher fuel/transport costs, and says the hardest part so far has been choosing a location among many municipalities, with an upcoming March trip to decide. He outlines plans to keep their US house as a long-term rental while selling most possessions, and contrasts furnished vs. unfurnished rentals in France. Elliot shares excitement about potentially transitioning into full FIRE and feeling burned out at work, nervousness about language and building community away from family, and discusses possible work options including remote work or alternative roles at his global company, while acknowledging fluency and higher taxes as constraints for local jobs. They talk about the move as a multi-year plan, potential reasons it could be derailed (major family events), what success could look like in five years (family fluent in French, different school schedule, frequent breaks enabling travel), and how the kids are adjusting—initial resistance from their daughter but growing excitement, including using a language-learning app called Study Cat and beginning to downsize belongings.00:00 Retirement Balance Check00:47 Real Estate Isn’t Passive03:06 Turnover Rehab Tradeoffs04:12 Tax Status and Time Tracking05:43 Lori Eases Into Part Time06:57 Moving to France Reveal07:54 Project Managing the Move09:37 Checklist and Visa Path13:42 Why France Taxes Culture18:59 Cost of Living Reality Check23:19 Renting First and Countryside Life25:04 City Convenience Tradeoffs25:51 Paris Dream vs Countryside Reality27:22 Choosing Where to Live29:04 House Plans and Downsizing30:35 Renting Furnished in France31:36 Excited and Nervous34:50 Work Options and Visas38:49 Long Term Commitment40:15 What Could Derail It42:19 Five Year Success Vision44:45 How the Kids Feel46:39 Wrapping Up and Next StepsDo 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

Considering a Move to Europe for FI: Italian Passports, Geoarbitrage, and Escaping Rising US CostsThe conversation centers on a family’s renewed consideration of relocating from the US to Europe. Elliot describes a prior relocation request that was approved and then reversed at the last minute, and explains that with a new boss they may ask again this year, noting the worst outcome is being told no. They discuss the appeal of geoarbitrage—keeping a US salary while living in a lower-cost EU country—and emphasize giving their children cultural exposure and an easier window to learn a new language while young, potentially enrolling them in local schools.Healthcare and future college costs are highlighted as major uncertainties in a US-based FI plan, with Elliot suggesting these concerns are often mitigated in the EU. Josh shares a recent example of Affordable Care Act insurance subsidy changes making coverage far more expensive for a 20-year-old dependent. They reference anecdotal research showing a family in France potentially living on around $50,000 annually—about half of their current expenses—and discuss income differences between the US and Europe, with US median salary figures cited around $77,000 versus mid-$40,000s in France. The discussion also explores optionality for the children’s education, including the ability to return to the US for college, and briefly addresses work logistics such as a 6–7 hour time zone difference between the US and parts of Europe.00:00 Considering EU Relocation02:09 Work Approval and Geoarbitrage03:08 Why Move Now for Kids04:01 US Politics and Safety Concerns05:00 Healthcare Costs Wakeup Call06:35 FI Benefits in Europe08:01 How Much Cheaper Abroad10:18 Geoarbitrage and Salary Gaps12:06 Kids Education and Optionality13:11 Next Steps and Time Zones14:25 Wrapping UpDo 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

Do you have feedback or suggestions? We want to hear from you!Contact Elliot: [email protected] Josh: [email protected] Great Transition: How to Move from Full-Time Work to Early Retirement Without One-More-Year SyndromeElliot and Josh discuss the under-covered topic of transitioning from full-time employment into early retirement. Josh recounts how he ended up at a company he hadn’t heard of, worked there for 25 years, and viewed work primarily as a means to provide benefits and income rather than an identity. They share tactics for excelling while protecting time—prioritizing what a boss says matters most, pushing back on low-value meetings, managing deadlines, and avoiding burnout by not immediately turning in work early—which Josh says helped him become highly efficient and even led to two back-to-back promotions. The conversation then shifts to retirement logistics and psychology: Josh gave 14 months’ notice to a new manager, explains why he wasn’t worried about being let go, and contrasts Elliot’s experience of being quickly escorted out of a sensitive cybersecurity role (though paid out for his notice). They address “one more year syndrome,” with Josh describing how he delayed retirement for milestones like paying off the house and getting their youngest through high school, and how setting a firm retirement date tied to his 25-year anniversary helped commit him to leaving. Josh emphasizes preparing for retirement by testing hobbies and routines before quitting, asking what a perfect day looks like, and ensuring activities are scalable and fulfilling; he admits to pre-retirement anxiety about running out of things to do despite having many interests. They also discuss the social friction of being retired—how people ask “what do you do?”—and how the FI community provides more authentic conversations than broader work-centered culture. Josh shares a recent doctor visit where the doctor was surprised by his retirement and Josh framed his activities as managing rental properties. They close by encouraging listeners to flip the “I’ll be bored” script, use current interests (including social media algorithms) as clues for passions, and start experimenting with how to spend time if money were not a constraint.00:00 Kicking Off: From ‘Being Vertical’ to Early Retirement Talk00:29 Why the ‘Retirement Transition’ Is the Missing FIRE Conversation02:43 Josh’s Career Origin Story: Falling Into a 25-Year Job04:33 Work as a Means to an End: Not Living to Work07:43 Cracking the Corporate Code: Priorities, Saying No, and Time Defense15:54 Cruise Control & Side Hustles During the Workday (Rentals + Woodworking)20:01 Giving Notice: Why Josh Told His Boss 14 Months Early21:36 Risk of Getting Shown the Door + Beating ‘One More Year’ Syndrome28:30 Coordinating Retirement Timing & Hitting Key Milestones29:10 The ‘One More Year’ Trap: Layering Conservatism in FIRE Plans32:23 Two Sides of the Decision: Money Confidence vs. Time Purpose36:44 Designing Your Perfect Day: Test-Driving Retirement Before the Ripcord39:37 ‘What Do You Do?’: Identity, Productivity, and Being Authentic After FIRE45:51 Why Community Matters (and When FIRE Media Becomes Consumption)51:33 Closing Advice: Flip the Script on Boredom & Reverse-Engineer Your DayAny 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

Navigating Life's Inevitable: Reverse Obituaries, Financial Planning, and Living FullyIn this episode, Josh and Elliot discuss the impact of Snow Apocalypse 2026 and delve into the concept of a 'reverse obituary,' inspired by Warren Buffet's idea of planning life with the end in mind. They highlight the importance of financial preparedness and estate planning, emphasizing actions like creating wills, trusts, and TODs. Personal anecdotes about preparing for the inevitable and ensuring smooth transitions for loved ones are shared. Additionally, they touch on balancing life and work within the FIRE community, advocating for thoughtful life planning and making the most of the present.00:00 Introduction and Snow Apocalypse 202600:50 The Concept of a Reverse Obituary01:50 Personal Stories and Financial Preparedness05:45 Balancing Life and Work10:55 Reflecting on Life Goals22:15 Practical Steps for Financial Planning26:27 Conclusion and Final ThoughtsDo 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: The Art Of Spending Money: https://amzn.to/45SnKOp Come find us and subscribe on YouTube: http://www.youtube.com/@9toFI

Navigating Early Retirement: Reflections and PlansIn this episode of 'Nine to FI,' hosts Josh and Elliot discuss the ups and downs of early retirement. Josh shares his experiences since retiring at 48, including the surprising challenges of maintaining a routine and staying healthy. The duo also reflects on 'Blue Monday' and its impact on mental health. They talk about their plans for the future, including potential travel to France and Glacier National Park. The conversation covers the perks and drawbacks of leaving the corporate world, with a focus on social connections and the sense of stability provided by a steady paycheck. Both hosts reveal their personal goals and struggles, aiming to inspire listeners who are considering early retirement.00:00 Introduction to Nine to FI Podcast00:39 Discussing Blue Monday and Personal Updates01:49 Planning Summer Adventures06:23 Reflecting on Full-Time Employment17:10 Maintaining Relationships Post-Retirement29:13 Health and Fitness Goals41:57 Conclusion and Listener EngagementDo 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

Balancing Financial Support: Navigating Family Investments in Children's FuturesIn this episode, hosts Josh and Elliot discuss varying approaches to financially supporting children from high school through to adulthood. They explore concepts such as purchasing first cars, college funding, and financial independence, drawing on their own experiences as well as the evolving landscape of education and employment. They also touch on the importance of balancing support with encouraging self-reliance, and consider the potential benefits of providing financial assistance at pivotal life milestones like weddings and buying a first home. The conversation is framed within the broader context of creating a stable, supportive family environment while fostering independence and financial responsibility.00:00 Introduction: Supporting Children Financially00:26 Hosts' Personal Updates and Reflections04:10 High School Years: Car Purchases and Responsibilities17:00 College Support: Plans and Perspectives31:06 Post-College Independence and Financial Responsibility34:15 Weddings and Financial Gifts39:57 Final Thoughts and Wrap-UpAny 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/@9toFIWe want to hear from you!Contact Elliot: [email protected] Josh: [email protected]

Year-End Financial Review: Analyzing Spending Habits and Optimizing SavingsIn this episode of Nine to FI, Josh and Elliot delve into their year-end financial reviews, discussing Josh's early retirement journey and Elliot's steps towards the same goal. The hosts share their insights on managing finances post-retirement, including a detailed analysis of their spending categories such as travel, groceries, dining out, and utilities. Josh explains their approach to utilizing owner distributions from rental properties to cover expenses, while Elliot reflects on using various financial tools and spreadsheets to track savings and manage investments. Both emphasize the importance of scrutinizing expenses to identify possible areas for optimization and share strategies for continuous financial improvement. The episode wraps up with plans to revisit this detailed financial review in the future to keep refining their budgeting processes.00:00 Introduction to Nine to FI Podcast00:39 Casual Catch-Up and Weather Talk01:52 Year-End Financial Review04:59 Detailed Breakdown of Expenses11:06 Comparing Annual Spending14:39 Tools and Methods for Financial Tracking22:26 RSUs and Future Financial Planning23:26 Josh's Financial Estimates and Projections25:07 Analyzing Credit Card Spending25:56 Grocery and Household Expenses27:13 Travel Expenditures Breakdown28:42 Dining Out Costs34:16 Bills and Utilities Overview34:52 Cutting Down on Subscriptions36:29 Entertainment and Shopping36:55 Automotive and Home Improvement40:47 Income and Cash Flow Management45:16 Optimizing Business Expenses46:35 Conclusion and Future PlansAny 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/@9toFIWe want to hear from you!Contact Elliot: [email protected] Josh: [email protected]

Navigating the Journey Beyond Financial IndependenceIn this episode of the 'Nine to FI' podcast, hosts Josh and Elliot discuss an article from the Mad Fientist about leaving the FIRE (Financial Independence Retire Early) movement. They explore the nuanced stages of pursuing financial independence and the shift in focus from aggressive saving to enjoying financial freedom. The conversation highlights the challenges of maintaining the FIRE mentality post-retirement, the evolution of personal priorities, and the importance of balancing community engagement with other life interests. The hosts also reflect on their own experiences and share insights for both newcomers and seasoned members of the FIRE community.00:00 Introduction to Nine to FI Podcast00:45 Discussing the Mad Fientist Article03:04 Reactions to the Article's Bold Statements05:42 Personal Experiences with the FIRE Community10:40 Balancing FIRE and Personal Life16:12 Challenges of Maintaining FIRE Habits18:47 Reflections on FIRE and Future Directions37:33 Closing Thoughts and Listener AppreciationAny 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/@9toFIWe want to hear from you!Contact Elliot: [email protected] Josh: [email protected]

Navigating Holiday Breaks and Amazon Prime CancellationIn this episode of the Nine to FI podcast, hosts Josh and Elliot discuss their experiences and reflections on holiday breaks, detailing the contrast between Josh's retired life and Elliot's imminent return to full-time employment. They dive into the 'Sunday scaries' and how the ability to manage time during holidays has shifted. The episode also covers a discussion on the decision to cancel Amazon Prime in favor of supporting local businesses, including the reasons behind it and the resulting changes to their shopping habits. The hosts highlight their ad-free podcast model and encourage listener support through links in the show notes.Is amazon prime worth it? Amazon prime cancellation. Breaking up with Amazon. Quitting Amazon. Why I cancelled amazon prime00:00 Introduction to Nine to FI Podcast00:41 Holiday Reflections and Work Transitions01:37 Balancing Work and Personal Life04:38 Morning Routines and Exercise07:10 Amazon Prime Cancellation Discussion09:42 Supporting Local CommunitiesAny 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/@9toFIWe want to hear from you!Contact Elliot: [email protected] Josh: [email protected]

Setting Intentional Goals and Resolutions for Growth in 2026In this episode, Josh and Elliot discuss their approaches to goal-setting and New Year's resolutions as they enter 2026. Josh shares his practice of yearly goal-setting with his wife while Elliot shares his preference for building sustainable systems over resolutions. They reflect on their journeys, including lessons learned from the financial independence (FI) community, the importance of planning, and the significance of maintaining health. They also commit to becoming each other's accountability partners for health goals in 2026. The episode ends with a request for listener support via YouTube subscriptions to help enhance the podcast's quality.00:00 Introduction and Greetings00:06 Setting Goals for the New Year03:59 The Concept of Resolutions vs. Goals04:58 Personal Experiences with Resolutions16:05 Health and Wellness Goals28:34 Podcast Journey and Future Plans35:27 Conclusion and Call to ActionAny 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 http://fbuy.me/vgAmzEmpower is Josh’s choice for Net Worth and Budgeting https://empowerreferral.link/joshuaepleyWanna create a podcast? We use Descript https://descript.cello.so/IVNVNzQT7GfLooking for a new credit card?  We’re big fans of Chase https://www.referyourchasecard.com/226d/VXSG31N8OFBuy Us a Coffee - One time donation or monthly, it’s up to you https://buymeacoffee.com/9tofiWant to save money on gas? Try Upside! https://upside.app.link/JOSH56339Books mentioned in this episode:James Clear's Atomic Habits: https://amzn.to/49zWfv7

Exploring Side Hustles: From Handyman Jobs to YouTube SuccessIn this episode, hosts Josh and Elliot dive into the world of side hustles, continuing their discussion from episode 21 - Winning With Side Hustles. Josh shares his journey starting in 2012 with handyman work and eventually transitioning into real estate investing. He highlights the flexibility and opportunities available through various side hustles such as YouTube content creation and flipping furniture. Elliot and Josh also discuss the importance of leveraging your unique skills, the evolving mindset of financial independence, and encouraging younger generations to explore side hustles. They conclude with reflections on their podcasting experience and the excitement of continuously learning and challenging themselves.00:00 Introduction and Catching Up00:38 Josh's Handyman Side Hustle Journey03:26 Exploring YouTube as a Passive Income Source05:30 Real Estate Investing and Flexibility07:17 Monetizing Skills and Hobbies18:20 Teaching Kids About Side Hustles19:49 Reflections on Side Hustles and Financial Independence24:22 Podcasting as a New Endeavor27:42 Conclusion and Listener EngagementWe want to hear from you!Contact Elliot: [email protected] Josh: [email protected] find us and subscribe on YouTube: http://www.youtube.com/@9toFIAny 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:

Navigating Gift Giving and Reflections on the Nine to FI PodcastIn this episode of the Nine to FI Podcast, hosts Josh and Elliot share their thoughts on gift-giving practices during the holiday season. Covering everything from family traditions to budgeting, they discuss their preference for experiences over material possessions and reflect on their personal approaches to giving gifts. Additionally, they touch on their podcast's progress, audience engagement, future topics, and improvements in audio quality. The episode ends with mutual appreciation for their listeners and plans for upcoming discussions in the new year.00:00 Introduction and Podcast Overview01:31 Discussing Gift Giving Philosophies02:55 Personal Gift Giving Experiences04:33 Gift Giving with Kids and Family06:12 Gift Giving Between Partners08:26 Wrapping Up the ConversationDo 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

Leaving a Six-Figure Career for Personal Independence: Insights from the 9toFI PodcastIf you found this discussion helpful, please Like this video, Subscribe to the 9toFI channel, and let us know your biggest takeaway in the comments below!https://youtube.com/@9tofi?si=hvip4nsvatb-D1q0In this episode of 9toFI, hosts Elliot and Josh discuss their experiences and decisions of stepping away from high-paying full-time jobs and how it impacted their Financial Independence, Retire Early (FIRE) journeys. They explore the change in mindset, lessons learned, and negotiating salary increases that led to their financial milestones. Josh shares his story of negotiating his salary to reach six figures and beyond while Elliot discusses similar financial growth in his career. They delve into the psychological challenges and societal perceptions of retiring early, and the balance between financial prudence and living a fulfilling life. Josh also touches on the unexpected challenges of early retirement, such as managing free time and dealing with sudden expenses. They conclude by discussing the potential of rejoining the workforce in different capacities and the importance of having supportive communities to navigate the FIRE journey.00:00 Introduction and Episode Overview00:24 Thanksgiving Break Reflections01:58 The Six-Figure Milestone03:21 Negotiating Salary Increases06:46 Career Progression and Salary History09:37 Early Retirement and Financial Independence16:24 Challenges and Considerations in Early Retirement32:19 Psychological and Social Aspects of Early Retirement36:06 Surprises and New Opportunities Post-Retirement40:15 Advice for High Earners Considering Early Retirement44:40 Final Thoughts and Wrap-Up#financialindependence #firemovement #personalfinance #careersDo 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

In this episode of Nine to FI, hosts Josh and Elliot dive deep into the world of side hustles, discussing their own experiences and the various types of side gigs people undertake. The episode covers the financial and personal benefits of side hustles, highlighted by interesting statistics and generational differences. They explore part-time jobs, gig economy roles, freelance work, entrepreneurial ventures, and credit card reward hacking. Josh and Elliot also share stories from their own lives, emphasizing skill-building and the impact on their journey towards financial independence. The episode concludes with a call to action for listeners to examine their own expenses and consider the potential of side hustles in their lives.00:00 Introduction and Audio Quality Disclaimer00:35 The Benefits of Side Hustles01:23 Personal Experiences and Seasonal Chit-Chat03:26 Statistics on Side Hustles in the US05:42 Generational Differences in Side Hustles09:33 Motivations Behind Side Hustles12:28 Cutting Down on Recurring Expenses20:23 The Impact of Reducing Expenses on FI21:28 Listener Engagement and Feedback22:59 Josh's Side Hustle Journey27:41 Personal Side Hustle Stories29:46 Exploring the Gig Economy30:29 Freelancing and Entrepreneurship33:04 The eBay Store Experience38:07 YouTube Ventures52:20 Credit Card Reward Hacking54:32 Dawn's Entrepreneurial Journey56:31 Conclusion and Future Plans#sidehustleDo 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

Preparing for Early Retirement: Elliot's Journey and Financial PlanningIn this episode, hosts Elliot and Josh delve into Elliot's financial journey and imminent transition to early retirement. They discuss key aspects that contribute to readiness for retirement, such as setting retirement dates, understanding the 4% rule, evaluating current and projected expenses, and planning for major upcoming costs. Elliot reveals his financial numbers, including savings, investments, and his approach to healthcare expenses. The conversation also touches on psychological aspects of retirement, like avoiding the 'one more year syndrome' and planning for a balanced post-retirement life with personal goals and explorations. They conclude by discussing the emotional and practical steps Elliot is taking as he approaches his retirement target date of March 2027.00:00 Introduction: Can Elliot Retire Yet?00:16 Elliot's Early Retirement Plan03:37 Financial Considerations and Strategies04:03 Discussing the 4% Rule and Withdrawal Rates10:35 Elliot's Financial Snapshot13:02 Planning for the Future: Expenses and Savings33:42 Healthcare and Insurance Plans42:04 Life After Retirement: Goals and Concerns48:24 Conclusion and Final ThoughtsDo 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

In this episode of the Nine to FI podcast, hosts Josh and Elliot dive into a comprehensive discussion about Josh's early retirement strategy. Josh retired at the age of 48, while his wife Lori still works full-time but is considering a shift to part-time employment. The episode offers a detailed look at their current financial status, including their cash reserves, brokerage account, and rental income. Josh shares his spreadsheet calculations and insights from his Empower account, discussing their monthly and annual expenses, and potential strategies for Lori's reduced work hours or complete retirement. The conversation touches on important financial concepts like the 4% rule, Roth conversion ladders, and 72-T distributions, aiming to find the best approach for their family. The hosts also emphasize the importance of adaptability and proper planning to ensure financial security in early retirement. Feedback and topic suggestions are welcomed at [email protected]:00 Introduction and Podcast Overview00:59 Josh's Retirement and Financial Situation01:46 Current Financial Snapshot04:01 Income and Expenses Breakdown07:49 Lori's Potential Part-Time Work Impact16:14 Full Retirement Scenario for Lori18:13 Empower Retirement Planner Insights24:20 Withdrawal Strategies and Future Planning30:25 Conclusion and Future DiscussionsDo 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

In this episode of the Nine to FI podcast, hosts Josh and Elliot kick off a case study addressing Elliot's housing dilemma. They discuss the pros and cons of moving, building a new home, or expanding the current one, considering financial constraints and family needs. Elliot shares past experiences with contractors and the challenges of financing a large home addition through loans. They also explore different loan options like HELOC, home equity, and construction loans, contemplating the impact of these choices on their financial independence journey. Audience feedback and ratings are encouraged to help the podcast grow.00:00 Introduction and Podcast Overview01:05 Elliot's House Dilemma: Initial Thoughts02:03 Exploring Housing Options and Costs07:32 Financial Considerations and Loan Options16:15 Family Dynamics and Final ThoughtsDo 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

In this episode of nine to FI, we dive into how owning a 13-year-old Chevy Colorado for over nine years has significantly contributed to my journey towards financial independence and early retirement. Join Josh and Elliot as they discuss the financial benefits of keeping an older vehicle, the insights from recent car ownership statistics, and practical steps for turning a vehicle from a money pit into a money-making asset. We also share strategies on monthly savings, the gig economy, and how to maximize your car's utility for small businesses and side hustles. Don't miss out on the valuable tips for anyone looking to make thoughtful financial decisions about car ownership!00:00 Introduction: Can Cars Build Wealth?00:25 Meet the Hosts: Josh and Elliot00:56 Car Ownership Stats and Trends03:21 Commuting and Carpooling Insights05:57 Monthly Savings Project06:40 Streaming Services and Mobile Savings09:47 Internet Provider Hacks15:36 Josh's Truck: A Wealth-Building Tool22:38 Cost of Ownership and Financial Impact24:44 Mindset and Identity: Truck as a Symbol30:19 Turning Vehicles into Moneymakers32:12 Advice for Younger Self and ConclusionDo 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

In this episode of 'Nine to FI', hosts Josh and Elliot delve into the financial burdens and benefits of car ownership. They explore the average costs associated with car maintenance and offer practical tips for managing these expenses effectively. The conversation highlights the importance of preventative maintenance, how it can enhance vehicle longevity, improve safety, and save money in the long run. The hosts share personal anecdotes and recommendations for DIY maintenance, reflecting on their own car maintenance journeys. Addressing common reasons people delay car care, like cost and time constraints, they propose solutions to help listeners better manage their vehicle maintenance and expenses. The episode aims to provide valuable insights and actionable advice for those seeking financial independence and reliability in their vehicles.00:00 The Financial Burden of Car Ownership00:20 Introduction to the Episode01:30 Car Maintenance Costs and Tips07:33 Personal Car Maintenance Stories19:05 The Importance of Preventative Maintenance30:49 Personal Car Maintenance Stories31:20 Common Reasons for Neglecting Car Maintenance32:41 The Importance of Regular Car Maintenance36:49 Benefits of Preventative Maintenance38:23 Cost of Car Ownership42:50 Tracking Car Maintenance47:11 DIY Car Repairs and Savings55:36 Rapid Fire Questions01:01:02 Conclusion and Next Episode TeaserDo 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

How CARS helped me achieve FIRE (reducing the cost for one of the BIG 3)In this episode of Nine to FI, Josh and Elliot explore the complex world of auto financing. They offer practical tips for car purchasing, share a mix of success and failure stories, and discuss their personal car ownership journeys. This episode kicks off a multi-part series focusing on cars and financial independence. Tune in for insights on making smarter car decisions and the financial benefits that come with it. Enjoy the casual conversation and learn how you can turn your car savings into investments for a secure and comfortable future.00:00 Introduction to Smart Car Ownership00:40 Meet the Hosts: Josh and Elliot01:24 Halloween Fun and Family Talk03:14 Shocking Car Payment Statistics09:54 Call to Action: Support the Show10:36 Personal Car Ownership Stories26:30 Financial Strategies for Car Purchases28:50 The Money Guy Show's Car Buying Rule32:46 The Cost of Car Ownership34:44 Interest Rates and Financing37:28 Smart Spending Strategies49:45 Leveraging Your Car for Income54:39 Shifting Mindsets for Financial Freedom57:09 Rapid Fire Questions01:03:43 Closing ThoughtsDo 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

Navigating Retirement and Housing Dilemmas: A Conversation on Financial StrategiesIn this episode, Josh and Elliot delve into personal financial challenges and decisions. Josh grapples with his wife Lori's reluctance to leave full-time work due to uncertainties about income replacement post-retirement. This kicks off a discussion on withdrawal strategies and asset management. Elliot shares his own dilemma about whether to move to a larger house, which is complicated by the high cost and the location his family enjoys. The episode further explores housing decisions as Josh considers downsizing to a more amenable town, but struggles with finding the right property. Both hosts commit to returning with detailed financial analyses, hoping these conversations will help others facing similar issues.00:00 Introduction and Podcast Purpose00:35 Discussing Retirement and Financial Planning03:22 Exploring Housing Dilemmas05:41 Comparing Housing Options and Financial Implications08:55 Concluding Thoughts and Future PlansDo 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

Raising a FIRE-Conscious Family | 9toFI 013 | 9 to FI PodcastJoin hosts Josh and Elliot on the 9 to FI Podcast as they discuss strategies for raising a family with a mindset focused on Financial Independence, Retire Early (FIRE). They share personal experiences, including the concept of the 'Bank of Mom and Dad', emphasizing the value of teaching money management and values to children from different age groups. The conversation covers practical ways to cut costs, such as using libraries, buying secondhand, and leveraging credit card reward hacking for economical travel. They also delve into the significance of making intentional big purchases, the benefits of not always having the latest and greatest, and the importance of experiences over material items. Wrapping up with rapid-fire questions, they highlight key financial lessons and family splurges that reinforce the FIRE principles.00:00 Welcome to the 9 to FI Podcast00:11 Introducing the Concept of a FIRE Conscious Family01:34 The Bank of Mom and Dad: Teaching Financial Responsibility08:45 Balancing Extracurricular Activities and Financial Independence14:24 The Value of Secondhand Items22:44 Travel Hacking: Saving Money on Family Trips26:32 Big Purchases: Vehicles and Housing33:26 The Bond of Twins and House Hacking34:17 Minimalist Gift-Giving Strategies41:24 Library Hacks and Resourcefulness47:02 529 Plans and College Costs52:41 The True Cost of Raising Kids55:43 Rapid Fire Questions and Final ThoughtsDo 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

How Real Estate Fast-Tracked Financial Freedom | 9toFI 012 | 9 to FI PodcastIn this episode of 9 to FI, hosts Josh and Elliot delve into how building a portfolio of properties can accelerate the path to financial independence. Josh shares his personal journey, starting from his first fixer-upper in the early 2000s to a diversified portfolio that generates significant cash flow. Along the way, they discuss the skills needed for property renovation, the BRRRR strategy, and the challenges faced in real estate investing. Whether you're curious about getting started in real estate or looking to expand your investment knowledge, this episode is packed with valuable insights and real-world experiences.00:00 Introduction to Real Estate and Financial Independence01:05 Josh's First Real Estate Experience02:18 Developing Handy Skills and Early Influences05:22 Transitioning to Real Estate Investment07:25 The Role of Mentorship and Networking18:42 First Property Purchase and Renovation25:39 Executing the BRRRR Strategy31:33 The Hustle Culture and Time Freedom33:33 Balancing Real Estate and Parenting34:34 Involving Kids in Real Estate37:03 Financial Strategies and Cash Flow42:44 The Challenges of Real Estate Investing45:11 The Big Renovation Project51:20 Lessons Learned and Advice for New Investors58:13 Rapid Fire Questions and Final ThoughtsDo 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

From Nervous Speakers to Confident PodcastersIn this episode, Elliot and Josh reflect on their podcast journey, particularly revisiting their very first episode, 'Intro to 9 to FI.' They discuss the feedback received and their initial challenges, then outline their personal and shared goals for the podcast. These goals include becoming better speakers, having deeper and more meaningful conversations, meeting new people, and impacting others' lives. This episode is a candid and unedited discussion about their aspirations and the future direction of the podcast.00:00 Introduction and First Episode Recap00:16 Reflecting on Feedback and Improvements01:21 Setting Goals for the Podcast01:56 Personal Development Goals03:38 Deep Conversations and Feedback04:56 Meeting New People and Overcoming Anxieties06:16 Impacting Lives and Financial Independence07:10 Preparing for Early Retirement08:15 Learning New Skills and Marketing09:31 Sustainability and Enjoying the Process10:42 Conclusion and Call to ActionDo 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

How to avoid Retirement Burnout | 9toFI 010 | 9 to FI PodcastElliot and Josh continue their deep dive into retirement planning on this episode of the 9 to FI Podcast. Reflecting on their meticulously planned retirement schedules, they share their real post-retirement experiences, highlighting the inevitable deviations and surprises. Josh opens up about the challenges of maintaining a perfect retirement day, dealing with cognitive overload, and the struggle to balance multiple interests and obligations. They explore the importance of flexibility, the evolution of personal schedules, and the universal human tendency to overcommit. Tune in to gain insights into navigating the unpredictable journey of early retirement, along with practical tips on managing activities and expectations.00:00 Introduction and Welcome00:13 Recap of the Perfect Retirement Plan01:28 Josh's Perfect Day Vision03:34 Elliot's Perfect Day Vision06:10 Reality of Retirement: The First Week10:11 Adjusting the Plan: Overwhelm and Realizations15:24 Balancing Activities and Mental Health19:29 The Struggle of Saying No28:19 Conclusion and Final ThoughtsDo 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

Planning Your Perfect Post Work Life | 9toFI 009 | 9 to FI PodcastJoin Elliot and Josh as they delve deep into the concept of early retirement and the journey of financial independence. Josh shares his personal experiences and plans leading up to his transition to early retirement, emphasizing the importance of having a purpose and activities to retire to. The episode explores various exercises and strategies to prepare for a fulfilling retirement, addressing concerns about potential boredom and anxiety. They discuss the balance between decompression and productivity, stressing the value of intentional planning and regular self-reflection. Whether you're nearing retirement or just considering it, this episode offers valuable insights and practical advice for a smoother transition.00:00 Introduction and Greetings00:08 Discussing Early Retirement Plans00:54 Concerns About Early Retirement01:47 Planning for Post-Retirement Life06:34 Creating a Retirement To-Do List09:19 Finding Purpose in Retirement12:06 Reflecting on Retirement Activities19:25 Adapting to Retirement Life26:18 Conclusion and Final ThoughtsDo 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

Crafting Community on the Road to FIJoin Josh and Elliot as they dive into their weekend activities and talk about the value of community. They recount experiences from fixing rental properties and attending children's soccer games, to meeting and learning about the Financial Independence (FI) community. The discussion touches on car repairs, kid's sports, and engaging with local FI meetups. Find out how Elliot and Josh fostered their FI communities before and after retirement, the challenges they faced, the benefits of being part of a cohesive group, and the importance of pushing out of one’s comfort zone to connect with like-minded individuals. This conversation not only highlights their personal journeys but also offers insights on how to build and sustain community ties in pursuit of financial independence.00:00 Opening Banter00:40 Car Troubles and DIY Fixes02:25 Kids' Soccer and Healthy Competition04:25 Introduction to Community Building05:07 Personal Community Stories08:36 Discovering Financial Independence13:32 Attending In-Person Events26:01 Post-FI Community Building34:33 Encouragement to Build Community36:07 Closing Remarks and Call to ActionDo 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

Retire Early or Enjoy Now?Welcome to the 9 to FI Podcast with Elliot and Josh! In this episode, we explore the evolution of the Financial Independence, Retire Early (FIRE) movement. Starting with 'Old School' FIRE principles, focused on extreme frugality and rapid wealth accumulation, we transition into the emerging 'New FIRE' concepts like Slow FI, Barista FI, and Fat FI. Join us as we discuss the pros and cons of each approach, share personal journeys, and debate which method might be best for different lifestyles. We wrap up with some fun, quick-fire questions and encourage you to reflect on your own path to financial independence. Don't forget to like, subscribe, and leave a review!00:00 Introduction to the Podcast00:11 Old School FIRE: The Original Playbook01:30 New Voices in the FIRE Community02:41 Balancing Old and New FIRE Concepts04:14 Personal Stories and Reflections08:29 Core Tenets of Old School FIRE10:12 Shifts in the FIRE Movement11:15 Perfect Day in Retirement24:47 Lightning Round: Fun FIRE Choices27:46 Conclusion and Listener EngagementDo 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

Are You Saving or Just Being Cheap? | 9 to FI PodcastJoin Josh and Elliot in this episode of the 9 to FI Podcast as they delve into the often blurred line between frugality and being cheap. In a world where upgrading to the latest gadgets and luxurious cars is the norm, how do you define what's truly necessary versus what's merely extravagant? The hosts share personal anecdotes, discuss living intentionally with purchases, and address the stigma that surrounds frugal living. From scrutinizing phone plans and car choices to discussing the importance of intentional spending on food and experiences, this episode provides a comprehensive guide to making smart financial decisions without sacrificing quality of life. Don't miss their engaging debate and practical advice for navigating these common financial dilemmas!00:00 Introduction and Greetings00:10 Frugality vs. Cheapness: Setting the Stage01:06 Defining Frugality and Cheapness02:09 Personal Stories and Examples09:25 Phone Plans and Upgrades18:32 Car Choices and Social Perceptions28:04 Justifying Frugality to Others38:31 Challenges and Final ThoughtsDo 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

How to finally get your partner on the same page about MoneyWelcome to the 9 to FI Podcast with hosts Elliot and Josh! In this episode, they dive into the topics of budgeting and the concept of 'money dates.' Elliot and Josh share personal experiences on how they and their partners manage finances and the evolution of their budgeting practices. They discuss the importance of budgeting for different life stages, strategies for making financial meetings enjoyable, and how communication plays a key role in financial planning. The hosts also touch on challenges of budgeting, setting financial goals, and the balance between strict budgeting and the anti-budget approach. This candid conversation is packed with valuable insights to help you and your partner achieve financial harmony.00:00 Introduction and Today's Topic01:11 The Importance of Budgeting04:28 Budgeting Strategies and Evolution08:27 Current Budgeting Systems14:54 Money Dates and Communication27:44 Conclusion and Next StepsDo 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

Navigating Conversations about FIRE with Friends | 9 to FI PodcastWelcome to the 9 to FI Podcast with hosts Elliot and Josh. In this episode, we dive into the tricky topic of discussing FIRE (Financial Independence, Retire Early) with friends. Imagine explaining to friends that you want to retire decades earlier than they thought possible. We cover why talking about money and FIRE can be challenging, share personal anecdotes, and offer tips on how to keep these conversations light and friendly. We also explore common reactions, from skepticism to genuine interest, and discuss how to avoid common pitfalls and missteps when introducing others to the FIRE movement. Join us for a candid discussion on how to navigate these important, but often taboo conversations!00:00 Introduction to the Nine to FI Podcast00:04 Explaining Financial Independence to Friends00:18 Personal Stories and Cultural Taboos Around Money03:24 Transparency and Celebrating Financial Success05:56 Consumerism and Financial Signaling07:34 Challenges of Discussing FIRE with Friends11:44 Skeptics and Misconceptions About Early Retirement15:48 Different Reactions to FIRE: Jokers, Uninterested, and Curious Friends23:22 Navigating Conversations About FIRE24:10 Personal Stories and Examples27:44 Crafting the FIRE Elevator Pitch34:42 Avoiding Common Pitfalls42:42 Lighthearted Stories and Mishaps47:04 Wrapping Up and Final ThoughtsDo 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

The Money Lessons that shaped Elliot. In this episode, Josh and Elliot recount their mutual connection, setting the stage for Elliot's captivating financial journey. Starting from a privileged yet not overly abundant childhood, Elliot navigates through private and public schooling, budget-conscious parenting, and early job experiences. He shares his early lessons on money, heavily influenced by his father's 'it's only money' mantra, and recounts the trials and triumphs he faced—from school transitions to job losses and personal hardships. Elliot's story doesn't stop there; he goes on to discuss his ventures into side hustles, relationships, and ultimately, his path to financial independence. Inspirational and introspective, this episode highlights the emotional and practical aspects of personal finance, the importance of mindset, and the value of persistence in overcoming financial and personal challenges. Don't miss out on this incredible journey of resilience and financial acumenDo 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

From Financial Struggles to Early Retirement: Josh's JourneyIn this episode, Josh and Elliot recount their personal stories of financial struggle and triumph. Josh shares his early experiences with money, growing up with modest means, and facing financial challenges through high school and early adulthood. From struggling with debt, foreclosure, and chapter seven bankruptcy, Josh narrates his journey to turning his finances around. The conversation also highlights Josh’s introduction to financial literacy through impactful books and blogs, leading him to the concept of financial independence. After years of dedicated learning and discipline, Josh recently retired early, achieving his financial goals. Tune in to learn from his inspiring story of resilience, financial awakening, and success.00:00 Introduction and Weekend Catch-Up02:55 Early Money Memories04:45 Middle School and High School Experiences07:43 First Job and Financial Struggles13:33 Early Adulthood and Family Life18:48 Financial Crisis and Divorce22:43 Financial Turmoil and Bankruptcy23:35 Employment Anxiety and Layoff Fears25:30 Meeting Lori and Shared Financial Struggles27:15 Discovering Financial Education28:45 Implementing Financial Strategies36:16 The Influence of Financial Blogs38:33 Discovering Financial Independence40:59 Achieving Early RetirementDo 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

Introduction to Financial Independence and Early RetirementIn the debut episode of '9 to FI,' hosts Elliot and Josh launch their podcast discussing financial independence (FI) and early retirement. They introduce their mission to break away from the traditional nine to five grind, seeking greater freedom and control over their lives. The hosts emphasize that they are just regular guys, not financial advisors, aiming to provide relatable insights. They share personal experiences that led them towards FI, such as dealing with the 'Sunday night scaries' and budget frustrations. Future episodes will cover various related topics, including the psychology of money, life post-retirement, and integrating relationships into the FI journey. This introductory episode sets the stage for a journey toward financial freedom, promising practical advice and personal anecdotes.00:00 Introduction to 9 to FI Podcast00:36 What is Financial Independence?00:52 Personal Stories and Realizations01:20 Podcast Goals and Future Topics01:58 Wrapping Up and Next StepsDo 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