Podcasts about Financial independence

There's really only one way to reach the level of success most people say they want, and it's not about working until 65. It's about having a plan to retire early. Not as a finish line, but as a mindset.Early retirement means your money is working for you, giving you the ability to choose how you spend your time instead of waiting for an arbitrary age when you're “supposed” to stop working. In this video, James walks through a real case study to show how this mindset changes everything — from cash flow and withdrawal rates to how much of life you actually get to enjoy while your health and energy are still there.Watch as James breaks down how retirement cash flows work, how living expenses, healthcare, goals, and taxes all interact, and how much needs to come from a portfolio each year to support the life you want. The numbers tell a powerful story: staying on the traditional path leads to dying with far more money than needed, while retiring earlier trades excess dollars for time, freedom, and experiences.The truth is not that you should quit working, it's that everyone should know when they could. When you understand your early retirement number, work becomes optional, saving eventually stops being necessary, and money can start being used for living, not just growing.-Advisory services are offered through Root Financial Partners, LLC, an SEC-registered investment adviser. This content is intended for informational and educational purposes only and should not be considered personalized investment, tax, or legal advice. Viewing this content does not create an advisory relationship. We do not provide tax preparation or legal services. Always consult an investment, tax or legal professional regarding your specific situation.The strategies, case studies, and examples discussed may not be suitable for everyone. They are hypothetical and for illustrative and educational purposes only. They do not reflect actual client results and are not guarantees of future performance. All investments involve risk, including the potential loss of principal.Comments reflect the views of individual users and do not necessarily represent the views of Root Financial. They are not verified, may not be accurate, and should not be considered testimonials or endorsementsParticipation in the Retirement Planning Academy or Early Retirement Academy does not create an advisory relationship with Root Financial. These programs are educational in nature and are not a substitute for personalized financial advice. Advisory services are offered only under a written agreement with Root Financial.Create Your Custom Strategy ⬇️ Get Started Here.Join the new Root Collective HERE!

Should you retire the second you hit financial independence, or is there value in working just a little longer? Steven faced this exact decision at 40 and chose to work four more years. The result? He added $1 million to his net worth and entered retirement at 44 with $3.5 million and a bulletproof plan. In this conversation, Steven shares his complete early retirement strategy, including why he delayed retirement past his FI number, how those extra years set him up for flexible spending of $120K-$180K annually, and the specific withdrawal tactics he uses to optimize taxes and health insurance subsidies. This Episode Covers: Steven's journey from engineer to early retirement at 44 Why he chose to work four more years after hitting his FI number Career transitions and strategic income optimization Investment strategy and asset allocation for early retirement Planning the transition to early retirement Flexible spending strategy: $120K-$180K annual range Navigating the ACA subsidy cliff for health insurance Strategic Roth conversions and tax optimization Safe withdrawal rates and managing inflation Starting new business ventures in early retirement What daily life actually looks like in early retirement at 44 Steven's story proves that "one more year syndrome" isn't always fear-based procrastination—sometimes it's strategic planning that pays off big. Whether you're close to your FI number or just beginning your journey, his practical approach offers a roadmap for retiring early with confidence. Follow BiggerPockets Money: Website: https://www.biggerpocketsmoney.com Facebook: https://www.facebook.com/groups/BPMoney Instagram: https://www.instagram.com/biggerpocketsmoney/ Learn more about your ad choices. Visit megaphone.fm/adchoices

Today, we dive into financial literacy with Daniel Rodgers, author of Escape The Clock: Your Program Guide for Financial Freedom and Early Retirement. After achieving economic independence and retiring early from a successful career as a program manager, Daniel now dedicates his time to helping others take control of their finances and live life on their own terms. Though not a financial professional by training, Daniel's disciplined planning and problem-solving transformed his personal experience into a practical, step-by-step guide for escaping the 9-to-5 — empowering countless people through his speaking, writing, and podcast content…  In this episode, we cover:  Strategies for budgeting, saving, and investing. The mindset and discipline required to escape the traditional work cycle. Lessons from the FIRE (Financial Independence, Retire Early) movement. How to create passive income streams and manage debt effectively. If you're ready to take control of your finances and design a life on your own terms, this episode is for you. Click play now to dive in! You can find more on Daniel by visiting the Escape the Clock website.

Welcome to the ThrivetimeShow.com Cleaning Business Podcast Series. During this 100 episode business coach podcast series Clay Clark teaches how you can achieve success in automotive repair, carpet cleaning, dog training, grooming, home building, home cleaning, home remodeling, manufacturing, medical, online sales, podcasting, photography, signage, skin care, and other industries. #CleaningBusinessPodcast   Where You Find Thousands of Clay Clark Client Success Stories?  https://www.thrivetimeshow.com/testimonials/    Breaking Down the 1,462% Growth of Stephanie Pipkin with Clay Clark: An EOFire Classic from 2022 - https://www.eofire.com/podcast/clayclark8/    Who is Clay Clark?  Clay Clark is the co-founder of five kids, the host of the 6X iTunes chart-topping ThrivetimeShow.com Podcast, the 2007 Oklahoma SBA Entrepreneur of the Year, the 2002 Tulsa Metro Chamber of Commerce Young Entrepreneur of the Year, an Amazon best-selling author, a singer / song-writer and the founder of several multi-million dollar businesses.  https://www.forbes.com/councils/forbescoachescouncil/people/clayclark/    Where Can You Learn More About Clay Clark? https://www.thrivetimeshow.com/need-business-coach/#coaching-about-founders    Where Can You Read Clay Clark's 40+ Books? https://www.amazon.com/stores/Clay-Clark/author/B004M6F5T4?ref=sr_ntt_srch_lnk_1&qid=1767189818&sr=8-1&shoppingPortalEnabled=true    Where Can You Discover Clay Clark's Songs & Original Music?  https://open.spotify.com/album/2ZdE8VDS6PYQgdilQ1vWTP?si=Am65WUlIQba4OLbinBYo1g

Want to reach financial independence faster? The quickest path isn't extreme frugality—it's earning more. And that starts with salary negotiation. Paula Pant from the Afford Anything podcast joins Mindy Jensen and Scott Trench to break down exactly how to negotiate your salary, whether you're asking for a raise, negotiating a job offer, or realizing you're chronically underpaid. Paula shares her personal negotiation journey, the strategies that worked (and what didn't), and the mindset shifts that helped her confidently ask for more. This Episode Covers: Paula Pant's personal salary negotiation experiences and lessons learned How to determine your true market value (beyond salary surveys) Understanding the employer's perspective in negotiations BATNA (Best Alternative to a Negotiated Agreement) and why it's your secret weapon Daily negotiation practice: building the skill in low-stakes situations Using scorecards and performance reviews to document your value Perfect timing for asking for a raise (and when NOT to ask) How to set yourself up for a promotion before you ask Negotiating strategies in tough job markets and recessions Aligning your incentives with your employer's goals Whether you're early in your career, a seasoned professional, or someone who's never negotiated before, Paula's practical advice will help you earn more and reach financial independence faster. Every successful negotiation adds years of compounding returns to your FIRE timeline. Subscribe to our Weekly Newsletter: www.biggerpocketsmoney.com Want to be a guest on the show? Apply here: https://biggerpocketsmoney.com/contact/ Get 50% Off Your First Year of Monarch by using code ‘Pockets': https://www.monarchmoney.com/ Connect with Paula Pant: Website: https://affordanything.com/ Instagram: https://www.instagram.com/paulapant Connect with Scott and Mindy: Scott: https://www.instagram.com/scott_trench/ Mindy: https://www.instagram.com/_mindyatbp/ Follow BiggerPockets Money on Social: Facebook: https://www.facebook.com/groups/BPMoney Instagram: https://www.instagram.com/biggerpocketsmoney/ Learn more about your ad choices. Visit megaphone.fm/adchoices

Morgan Housel breaks down the exact framework he uses to build wealth, minimize financial stress, and buy freedom. While most financial advice focuses on how to get rich, Morgan explains why the skills needed to stay rich are completely different. You will learn why "boring" investing beats complex strategies, how to avoid the social traps that destroy wealth, and the specific equation for finding contentment. Morgan Housel is a partner at Collaborative Fund and the bestselling author of The Psychology of Money. Enjoy! ----- Approximate Timestamps: (00:00) Trailer/Introduction (00:58) What Drives You? (04:50) What Can Money Do For Us? (07:22) Happiness vs. Satisfaction (11:45) Becoming Financially Independent (14:40) Survival and Contrast (20:16) Ad Break (21:05) Investing: Can You Beat the Market? (22:32) When Is The Right Time To Buy a House? (26:45) Housing Affordability and Equity (28:39) Step by Step Investing (35:08) Eras of Life and Spending In Those Eras (43:50) Raising Kids With Money (48:46) Social Media: Expectations and Comparison (55:46) Lessons From the Vanderbilts (01:01:21) Learning From Others Spending Habits (01:07:51) Lessons From History: Depressions, Panics, Downturns (01:11:40) Net Worth in Cash (01:14:20) Passive Income and Financial Independence (01:25:58) Massive Success: Doing It All Again (01:32: 27) What Should You Optimize For? (01:38:24) What Do You Splurge On? (01:40:38) What Can History Teach Us About Inflation? (01:47:46) Index Funds Allocation (01:53:36) What Is Success For You? ----- This episode of the Knowledge Project is for informational purposes only. The views and opinions expressed by Shane Parrish or our guests are solely their own. Nothing in this conversation should be considered investment advice, financial guidance, or a recommendation to buy or sell any security. Always do your own due diligence or consult with a qualified financial advisor before making investment decisions. It's time to listen and learn. ----- Psychology of Money: https://geni.us/my3K ----- Upgrade: Get a hand edited transcripts and ad free experiences along with my thoughts and reflections at the end of every conversation. Learn more @ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠fs.blog/membership⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ------ Newsletter: The Brain Food newsletter delivers actionable insights and thoughtful ideas every Sunday. It takes 5 minutes to read, and it's completely free. Learn more and sign up at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠fs.blog/newsletter⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠------ Follow Shane Parrish: X: ⁠⁠⁠⁠⁠⁠https://x.com/shaneparrish⁠ Insta: ⁠https://www.instagram.com/farnamstreet/⁠ LinkedIn: ⁠https://www.linkedin.com/in/shane-parrish-050a2183/⁠ ------ Thank you to the sponsors for this episode: Granola AI, The AI notepad for people in back-to-back meetings: https://www.granola.ai/shane Learn more about your ad choices. Visit megaphone.fm/adchoices

Our guests on the podcast today are Cody Garrett and Sean Mullaney. They're both advice-only financial planners, and they're the co-authors of a new book called Tax Planning To and Through Early Retirement. Cody is a certified financial planner and the founder of Measure Twice Money, where he helped DIY investors make informed decisions aligned with their values. He also leads Measure Twice Planners, which is an educational community for financial planners. Sean Mullaney is a certified public accountant and head of Mullaney Financial & Tax. He also writes the blog, FITaxGuy.com, which is focused on the intersection between financial independence and taxes.BackgroundSean MullaneyCody GarrettMeasure Twice MoneyMeasure Twice FinancialMeasure Twice PlannersMullaney Financial & TaxFITaxGuy.comTax Planning and Early RetirementTax Planning To and Through Early Retirement, by Cody Garrett and Sean Mullaney“The Backdoor Roth IRA After an Excess Contribution to a Roth IRA,” Sean Mullaney, FITaxGuy.com, Dec 16, 2025“Why I Don't Worry Much About Sequence of Returns Risk,” Sean Mullaney, FITaxGuy.com, Jun 10, 2025“The Tax Planning World Has Changed,” by Sean Mullaney, FITaxGuy.com, Sep. 22, 2025“Bogleheads on Investing® with Cody Garrett, CFP®, and Sean Mullaney, CPA on tax planning to and through retirement: Episode 89″ by Bogleheads on Investing® podcast, BogleCenter.net, Dec. 7, 2025“Managing Taxes in Retirement with Sean Mullaney,” by the White Coat Investor Podcast, WhiteCoatInvestor.com, Nov 20, 2025.Die With Zero: Getting All You Can from Your Money and Your Life―A Revolutionary Approach to Maximizing Life Experiences Over Accumulating Wealth, by Bill Perkins“Reframing Risk In Retirement As “Over- And Under-Spending” To Better Communicate Decisions To Clients, And Finding “Best Guess” Spending Level,” by Michael Kitces, Kitces.com, Apr. 24 2024.More on Early Retirement and FIRE“My Baptism by FIRE: Lessons on Financial Independence,” by Christine Benz, Morningstar.com, May 29, 2025.“Aiming to ‘Die with Zero'? Here Are the Implications for Portfolio Construction and Retirement Spending,” by Jess Bebel, Morningstar.com, Apri. 6, 2025"Derek Tharp: An Alternative Approach to Calculating In-Retirement Withdrawals," The Long View podcast, Morningstar.com, Feb. 21, 2023 Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Many people retire with enough money — and still feel lost.James explains why financial readiness alone doesn't guarantee a fulfilling retirement, and why some of the most financially prepared retirees struggle once work ends. Through a real-life example, he shows how retirement can solve a money problem while leaving a life problem untouched. The episode explores the hidden challenges that often surprise retirees: losing identity, too much unstructured time, and strained relationships when expectations don't align. These risks aren't captured by retirement software, but they shape how retirement actually feels day to day.The takeaway is simple and powerful: before asking “Can I retire?”, it's worth asking “Will I like the life I'm building?”Money matters — but it's meant to support a meaningful life, not define it.-Advisory services are offered through Root Financial Partners, LLC, an SEC-registered investment adviser. This content is intended for informational and educational purposes only and should not be considered personalized investment, tax, or legal advice. Viewing this content does not create an advisory relationship. We do not provide tax preparation or legal services. Always consult an investment, tax or legal professional regarding your specific situation.The strategies, case studies, and examples discussed may not be suitable for everyone. They are hypothetical and for illustrative and educational purposes only. They do not reflect actual client results and are not guarantees of future performance. All investments involve risk, including the potential loss of principal.Comments reflect the views of individual users and do not necessarily represent the views of Root Financial. They are not verified, may not be accurate, and should not be considered testimonials or endorsementsParticipation in the Retirement Planning Academy or Early Retirement Academy does not create an advisory relationship with Root Financial. These programs are educational in nature and are not a substitute for personalized financial advice. Advisory services are offered only under a written agreement with Root Financial.Create Your Custom Strategy ⬇️ Get Started Here.Join the new Root Collective HERE!

This week on Ask Farnoosh, we're zooming out—on money, career, and life—and talking about the moments when endings, uncertainty, and discomfort can actually become powerful financial turning points.I start the episode reflecting on a popular “10-years-ago” trend and what my own life looked like in 2016—from a canceled CNBC show to pregnancy news that reframed everything. It's a reminder that what feels like loss in the moment can open space for growth we couldn't have planned.I also break down a few headlines that matter to your wallet, including what retail bankruptcies mean for consumers, why bank stocks took a hit this week, and how proposed credit-card interest rate caps could affect access to credit. Plus, a personal reflection on watching events unfold in Iran and how global news can be deeply personal—and financially relevant.Then we head into your questions:

Key Topics Covered:  1. Starting Point: Mindset and MotivationTom's journey was sparked by personal catalysts: his mother's passing and a desire to be present for his young daughters.The importance of defining your “why” and setting clear financial milestones.Facing the reality of relying solely on a job for income—and using that as motivation for change.2. Laying the Foundations and Building PillarsTom and his wife began by securing wills, powers of attorney, and reviewing their finances to ensure a solid foundation (“the roof”).They chose property as their initial wealth-building pillar, focusing on buy-to-let for simplicity and sustainability.The process took time—over 12–18 months for their first deal—but commitment and clarity paid off.3. Momentum and the Power of RepetitionThe first property was the hardest, but each subsequent deal became easier as confidence and experience grew.Tom now owns 15 properties, primarily in the Bristol area, and has diversified into investments and other wealth pillars.Monthly recurring income from assets reached £6,000+, providing true freedom of choice.4. The Role of Coaching and CommunityTom credits his WealthBuilders coaches (especially Ian Halfpenny) for challenging his assumptions, providing guidance, and keeping him accountable.Support from family, coaches, and the WealthBuilders community was crucial—especially during setbacks like the pandemic.Taking massive action, even when uncomfortable, was key to overcoming obstacles and building momentum.5. Looking Ahead: Diversification and Giving BackWith financial independence achieved, Tom is now exploring more advanced property projects and investment strategies.He's passionate about sharing his experience and encouraging others to take consistent action—one step every month. Actionable Takeaways:Commit to the process and focus on one strategy until you gain traction.Secure your financial “roof” (wills, powers of attorney, expense review) before building assets.Don't underestimate the value of coaching, community, and accountability.Take one small action every month—compound progress leads to big results.Diversify your income streams once you've built a secure base.Don't DIY your wealth journey—get support and don't give up when it gets tough. Resources & Next Steps:Book a Financial GPS Call for a personal financial strategy session.WealthBuilders Membership: Free access to guides, webinars, and communityDownload our FREE Pensions and Inheritance Tax GuideConnect with Us:Listen on Spotify, Apple Podcasts, YouTube, and all major platforms.Next Steps On Your WealthBuilding Journey:  Join the WealthBuilders Facebook CommunitySchedule a 1:1 call with one of our teamBecome a member of WealthBuildersIf you have been enjoying listening to WealthTalk - Please Leave Us A Review!

In this engaging conversation, Christina and Richart Ruddie explore the journey of entrepreneurship, the importance of taking action over excessive planning, and the role of mentorship in shaping careers. Rich shares his insights on defining success, the significance of gratitude, and the attributes that contribute to success in business. They discuss the challenges and rewards of building company culture, the dynamics of remote work, and the qualities that make employees successful. The conversation concludes with Rich's thoughts on leadership and the importance of human connection in today's world.About The Guest: Richart Ruddie is the founder and CEO of Captain Compliance a data privacy and compliance software company that protects businesses large and small from privacy litigation risks while building trust with their end users. Connect with him on Linkedin.If you enjoyed this episode, make sure and give us a five star rating  and leave us a comment on iTunes, Podcast Addict, Podchaser and Castbox about what you'd like us to talk about that will help you realize that at any moment, any day, you too can decide, it's your turn! 

In this episode: Decompressing from corporate life, forcing vs. allowing in early retirement, discovering true purpose through financial independence, the LinkedIn comparison trap, building real human connection in the AI age with Katrina McGheeEpisode SummaryAfter 14 years at Google, Adam reflects on his first 14+ months of early retirement with career break coach Katrina McGhee. From the six-month decompression timeline to navigating the "not far enough along" narrative, Adam shares the raw truth about corporate burnout, learning to trust himself after betrayal, and figuring out what his entrepreneurial vision actually looks like in practice. He reveals his evolving purpose—empowering a generation to achieve financial independence before the hamster wheel traps them—and his desire to build authentic human connection in an AI-driven world.Guest BioKatrina McGhee is a Career Break Coach, author of *Taking a Career Break for Dummies*, and co-host of the *Taking a Career Break* podcast. She has supported 200+ people through career breaks over 8+ years.Resources & Books Mentioned- Taking a Career Break for Dummies by Katrina McGhee- One Last Talk by Philip McKernan- Return to Real by Ryan Levesque (Spring 2026)- Front Row Dads community- Break Space – Katrina's career break communityGuest Contact InformationLinkedIn: Katrina McGheeWebsite: https://www.kmcgheecoaching.com/Podcast: Taking a Career Break with Katrina McGheeKey Takeaways- Decompression takes time: Expect 3-6+ months minimum; toxic environments require 6-12 months before you feel like yourself again.- Your brain will lie to you: High achievers hear "you're not far enough along" even with no rush—recognize and release this narrative.- Financial independence changes decision-making: When work is optional, choose based on excitement and alignment rather than ROI and efficiency.- Early retirement is walking into fog: Clarity emerges through experimentation and allowing organic unfolding, not forcing outcomes.

Today we are talking to an ER doc who fulfilled her dream of doing an epic bike ride across Europe. She rode 2,500 miles from Italy to Norway with over 500 people from all over the world. She knows that health is never guaranteed and wanted to accomplish this goal while she is still physically strong enough. She has taken care of her financial life and has reached financial independence so she had the freedom to make some changes to achieve her goal. She was willing to quit her job if necessary but ended up going to part time and with the help of great colleagues she was able to take 7 weeks off. She shows us what the point of financial freedom really is - getting to do what you value with your life! As a white coat, you have valuable knowledge. Various companies want that knowledge. And they're willing to pay you for it! That's why we've put together a list of recommendations for companies that pay you to take surveys. If you're looking for a profitable side gig for not too much effort, getting paid for surveys could be the perfect solution for you. You can make extra money, start a solo 401(k), and use your medical knowledge to impact new products. One of the WCI columnists makes an extra $30,000 a year just doing these surveys. Sign up today and use a fraction of your downtime to make extra cash! Go to https://whitecoatinvestor.com/MDSurveys Celebrating your stories of success along the journey to financial freedom! Tune in every Monday to the Milestones to Millionaire Podcast, where we celebrate the financial achievements of our listeners and share practical tips for reaching your own milestones. We want to celebrate your milestones—no matter how big or small—and help inspire others to follow your lead. Every week, these episodes feature one listener who has recently achieved a milestone they are proud of and want to celebrate, and they give any advice they have for those who want to follow their example. Make sure to listen every Monday to be inspired by your fellow white coat investors. Celebrate YOUR Milestone on the Milestones to Millionaire Podcast: https://whitecoatinvestor.com/milestones  Website: https://www.whitecoatinvestor.com  YouTube: https://www.whitecoatinvestor.com/youtube  Student Loan Advice: https://studentloanadvice.com  TikTok: https://www.tiktok.com/@thewhitecoatinvestor  Facebook: https://www.facebook.com/thewhitecoatinvestor  Twitter: https://twitter.com/WCInvestor  Instagram: https://www.instagram.com/thewhitecoatinvestor  Subreddit: https://www.reddit.com/r/whitecoatinvestor  Online Courses: https://whitecoatinvestor.teachable.com  Newsletter: https://www.whitecoatinvestor.com/free-monthly-newsletter  00:00 MtoM Podcast #257 02:20 EM Doc Reaches Financial Independence 20:14 How Does PSLF Work?

This final Best Of She Slays 2025 episode tackles one of the most important—and most avoided—topics for practice owners and entrepreneurs: money. Not just how to make it, but how to think about it, protect it, and use it as a tool for long-term freedom. Because financial independence isn't built by accident or by blindly following the traditional path—it's built through intentional decisions, better systems, and the willingness to question what you've been taught about wealth.In this episode, you'll hear curated segments that challenge conventional retirement planning, explore how money dynamics show up inside relationships, break down how smarter systems create real profit, confront the hard math behind insurance-based models, and introduce digital assets as a long-term wealth strategy. Together, these conversations offer a grounded, practical look at what it really takes to build wealth as a healthcare provider or business owner—so money stops being a source of stress and starts becoming a vehicle for choice, stability, and freedom.Join the FREE Rich Doc Rising mastermind, register here!Want to listen to the full version of one of the featured episodes? Find them all below:Episode 314 — Mastering Money: The Real Path to Wealth and Financial Independence (feat. Garrett Gunderson)Listen on Spotify | Apple Episode 315 — Growth vs. Security: Finding Financial Peace in a Marriage of OppositesListen on Spotify | Apple Episode 325 — Rewiring Your Business for Profit and Freedom with Smarter Systems (feat. Dr. Elise Rigney)Listen on Spotify | Apple Episode 330 — Insurance or Independence? How Practice Owners Can Thrive Out of NetworkListen on Spotify | Apple Episode 331 — Crypto 101: Building Wealth Through Bitcoin and Digital Assets (feat. Dr. Hans Boateng)Listen on Spotify | Apple Resources:Join the waitlist for

As the new year begins, Roger Whitney launches a new Retirement Plan Live case study, introducing Henry and Lucy, a couple in their mid-40s pursuing Financial Independence and Retire Early (FIRE). Roger revisits the 4% rule as a planning heuristic, explains when it can be helpful, and sets the stage for a live community analysis later this month. The episode closes with a Smart Sprint focused on updating your net worth statement and a listener's word for 2026.OUTLINE OF THIS EPISODE OF THE RETIREMENT ANSWER MAN(00:00) This show is dedicated to helping you not just survive retirement, but to have the confidence to lean in and rock it.(00:30) Roger introduces a new Retirement Plan Live case study series and previews the upcoming live community meetup on January 29.RETIREMENT TOOLKIT(01:58) Roger revisits the 4% rule, explaining what it is, where it came from, and why it is often misunderstood.(04:55) Roger talks about the 25x rule commonly used in the FIRE community.(06:38) He discusses the drawbacks of using these heuristics and who they are best used for.(11:05) Roger shares how the 4% rule can help overfunded retirees move beyond scarcity and spend more intentionally.(13:55) A breakdown of FIRE- Financial Independence, Retire Early.RETIREMENT PLAN LIVE(17:41) Roger introduces Henry and Lucy.(20:01) They share how they discovered FIRE and what it means to them.(23:10) Lucy reflects on spending habits, saving, and budgeting(25:30) Henry talks about the start of their relationship.(28:12) Henry and Lucy discuss how saving impacted their lifestyle.(31:20) They discuss what drives their desire to retire early.(32:55) Roger reflects on his first impression of the FIRE Movement.(34:15) What are the obstacles of retiring so early?(38:45) Roger talks about the difference between a complicated problem and a complex problem.(40:35) Roger asks if they think about landmines that could pop up with such a long retirement.(43:57) Roger invites listeners further along the retirement path to share perspective and advice for their 40-something selves.SMART SPRINT(45:20) Roger encourages listeners to update their end-of-year net worth statement and identify trends for the year ahead.WORD OF THE YEAR(47:31) Listener Lindsay shares her word for 2026: Listen, and Roger reflects on the value of deep listening.REFERENCESSubmit a Question for RogerSign up for The NoodleThe Retirement Answer ManLivewithroger.comThe Millionaire Next Door: The Surprising Secrets of America's Wealthy- Thomas J Stanley, Ph.D.

On Jesse's 12th "Ask Me Anything" episode, he opens the year by tackling the questions that tend to surface when calendars turn and retirement feels closer than ever. He begins with a thoughtful exploration of whether "this is the year to retire," unpacking how sequence-of-returns risk, market valuations, spending accuracy, and portfolio construction matter far more than trying to guess the next market move, and why building flexibility—not perfect timing—is the real defense against early-retirement risk. From there, Jesse shifts to a practical and surprisingly nuanced discussion on getting kids and grandkids started in investing, weighing Roth IRAs, custodial accounts, and taxable strategies while emphasizing the twin lessons of earned money and compounding—and how to balance long-term discipline with making investing engaging and educational. He then addresses how portfolios should evolve as investors age and as assets grow, explaining why the glide path toward retirement is as much about risk capacity, risk need, and behavioral fit as it is about age, and why excess capital fundamentally changes how—and why—you take risk. He closes with a comprehensive walk through the key ages and milestones that shape a financial plan, from early adulthood to Social Security, Medicare, and required minimum distributions, giving listeners a clear mental map of when critical doors open and close. Throughout, Jesse blends technical insight with behavioral clarity, helping listeners not just answer financial questions, but build a durable way of thinking about decisions that will compound for decades. Key Takeaways:• The decision to retire is less about predicting markets and more about understanding cash flow, spending flexibility, and downside protection in the early years. • Writing down the rationale behind major investment decisions helps reduce future regret and emotional reactions. • Many retirees underestimate their spending, which can create false confidence in retirement readiness. • Teaching kids about investing works best when it combines earned income, parental matching, and simple, long-term strategies. • Excess capital changes the nature of investment decisions, allowing greater freedom without jeopardizing core goals. • Knowing the key financial ages—Social Security, Medicare, Roth rules, and required minimum distributions—helps investors anticipate decisions rather than react under pressure. Links:https://bestinterest.blog/should-retirees-sell-stocks-move-to-cash/ https://bestinterest.blog/great-investors-little-secret/ https://bestinterest.blog/rmds-sequence-risk-retirement-destruction/ https://bestinterest.blog/e87/ Wade Pfau's SRR Chart: https://www.bogleheads.org/forum/viewtopic.php?t=461168 https://bestinterest.blog/when-not-to-rebalance/ Key Timestamps:(03:51) – Smart and Dumb Reasons to Move to Cash (16:46) – Sequence of Returns Risk (20:47) – Spending and Lifestyle in Early Retirement (23:30) – Getting Kids Involved in Investing (26:10) – Tax Implications and Control of UGMA Accounts (30:38) – Investment Strategies for Financial Independence (36:44) – Rebalancing in Retirement (43:57) – Important Ages and Events in Retirement Planning Key Topics Discussed:The Best Interest, Jesse Cramer, Wealth Management Rochester NY, Financial Planning for Families, Fiduciary Financial Advisor, Comprehensive Financial Planning, Retirement Planning Advice, Tax-Efficient Investing, Risk Management for Investors, Generational Wealth Transfer Planning, Financial Strategies for High Earners, Personal Finance for Entrepreneurs, Behavioral Finance Insights, Asset Allocation Strategies, Advanced Estate Planning Techniques More of The Best Interest:Check out the Best Interest Blog at https://bestinterest.blog/ Contact me at jesse@bestinterest.blog Consider working with me at https://bestinterest.blog/work/ The Best Interest Podcast is a personal podcast meant for education and entertainment. It should not be taken as financial advice, and is not prescriptive of your financial situation.

Christina Lecuyer is kicking off 2026 with a grounded, refreshing perspective: no New Year's resolutions, no hustle, and no pressure to have it all figured out by January 1.Recorded just before Christmas, this episode shares how Christina is approaching 2026 with intention, flexibility, and a deep focus on mindset over rigid strategy. She reminds listeners that real change doesn't need a specific date and that you can decide to start fresh on any random Tuesday, whenever it actually feels aligned.Christina breaks down what truly drives long-term success in business and life: consistency, accountability, self-trust, and the ability to move through mindset blocks quickly. She also pulls back the curtain on what she's seeing with her clients heading into 2026, how they're avoiding burnout, regulating their nervous systems, and creating businesses that allow them to work less while making more.If you enjoyed this episode, make sure and give us a five star rating  and leave us a comment on iTunes, Podcast Addict, Podchaser and Castbox about what you'd like us to talk about that will help you realize that at any moment, any day, you too can decide, it's your turn! 

In this episode of the Real Estate Pros podcast, host Q Edmonds interviews Chris Miles, a hands-off investor and financial expert. Chris shares his journey from being a financial advisor to becoming a successful real estate investor. He discusses the challenges he faced, including financial struggles and personal growth, and emphasizes the importance of identity shifts in achieving success. Chris also highlights his goal of helping 1000 families achieve financial independence by 2030, showcasing his commitment to teaching others about financial freedom and investment strategies.   Professional Real Estate Investors - How we can help you: Investor Fuel Mastermind:  Learn more about the Investor Fuel Mastermind, including 100% deal financing, massive discounts from vendors and sponsors you're already using, our world class community of over 150 members, and SO much more here: http://www.investorfuel.com/apply   Investor Machine Marketing Partnership:  Are you looking for consistent, high quality lead generation? Investor Machine is America's #1 lead generation service professional investors. Investor Machine provides true 'white glove' support to help you build the perfect marketing plan, then we'll execute it for you…talking and working together on an ongoing basis to help you hit YOUR goals! Learn more here: http://www.investormachine.com   Coaching with Mike Hambright:  Interested in 1 on 1 coaching with Mike Hambright? Mike coaches entrepreneurs looking to level up, build coaching or service based businesses (Mike runs multiple 7 and 8 figure a year businesses), building a coaching program and more. Learn more here: https://investorfuel.com/coachingwithmike   Attend a Vacation/Mastermind Retreat with Mike Hambright: Interested in joining a "mini-mastermind" with Mike and his private clients on an upcoming "Retreat", either at locations like Cabo San Lucas, Napa, Park City ski trip, Yellowstone, or even at Mike's East Texas "Big H Ranch"? Learn more here: http://www.investorfuel.com/retreat   Property Insurance: Join the largest and most investor friendly property insurance provider in 2 minutes. Free to join, and insure all your flips and rentals within minutes! There is NO easier insurance provider on the planet (turn insurance on or off in 1 minute without talking to anyone!), and there's no 15-30% agent mark up through this platform!  Register here: https://myinvestorinsurance.com/   New Real Estate Investors - How we can work together: Investor Fuel Club (Coaching and Deal Partner Community): Looking to kickstart your real estate investing career? Join our one of a kind Coaching Community, Investor Fuel Club, where you'll get trained by some of the best real estate investors in America, and partner with them on deals! You don't need $ for deals…we'll partner with you and hold your hand along the way! Learn More here: http://www.investorfuel.com/club   —--------------------

285 - Silicon Valley to Mobile Home Rentals with Valentina Selskaya   In this episode of the Real Estate Investor Growth Network Podcast, Jen Josey sits down with REIGN member Valentina Selskaya, a former Silicon Valley IT leader turned powerhouse real estate investor. Valentina shares the unfiltered story of her first mobile home project—a deal that started with skepticism and ended with a cash-flowing rental, offering up a treasure trove of lessons for investors at every stage. The conversation is packed with actionable tips, candid reflections, and a healthy dose of humor about the realities of flipping and holding unconventional properties.   The episode opens with Jen's signature "Badassery Bestowment," highlighting the importance of keeping business and personal finances separate—a rookie mistake that can cause major headaches down the line. Valentina then takes listeners through her journey: from finding the deal through a wholesaler, to navigating a hoarder house filled with surprises (and fleas!), to overcoming financing hurdles and ultimately turning a challenge into a high-yield rental. Along the way, she shares the unexpected costs, the joys of working with great tenants, and the unique quirks of mobile home investing in Florida.   The conversation wraps with Valentina's insights on mindset, systems, and the value of community. She discusses her approach to time management, the role of the REIGN Mastermind in her growth, and what success means to her now that she's achieved financial freedom. Whether you're new to real estate or looking for inspiration to tackle your next big project, this episode delivers practical takeaways and motivational wisdom in classic REIGN style. 5 Key Takeaways Keep Your Finances Separate: Mixing business and personal funds can lead to confusion, legal issues, and tax-time headaches. Open dedicated business accounts and track every transaction from day one. Expect the Unexpected: Flipping a hoarder mobile home brought surprises—like four dumpsters of trash, hidden structural issues, and a flea infestation. Always budget extra for the unknown and bring a flashlight! Mobile Homes Are Different (and Profitable!): While mobile homes come with unique challenges, they can offer strong cash flow and easier permitting—especially in markets like Florida. Just be prepared for stricter lending limits. Trust Your Gut with Tenants: Valentina's story highlights the value of trusting intuition when selecting renters. Her contractor tenant not only pays on time but improved the property, proving that good people make great investments. Community & Action Drive Success: Valentina credits her growth to taking action (not overthinking), leveraging mastermind support, and focusing on systems that fit her style. Financial freedom, for her, means spending time with loved ones and living life on her terms. Guest Bio: Valentina Selskaya Valentina Selskaya is a former IT leader from Silicon Valley who launched her real estate investing journey in 2017 as a weekend side hustle. In just four years, she achieved full financial independence, leaving the corporate world to build a thriving business focused on house flips and a diverse portfolio of long, mid, and short-term rentals. Based in Georgia, Valentina is known for her analytical mind, fearless approach to new challenges, and commitment to helping others succeed. She's a licensed real estate agent, a valued REIGN Mastermind member, and a passionate advocate for the power of mindset and community in transforming lives. Connect with her at southoffer.com.   00:00 Introduction and Today's Topic 01:08 Common Rookie Mistake: Mixing Business and Personal Funds 01:35 Steps to Keep Financials Organized 03:25 Introducing Today's Guest: Valentina Selskaya 04:54 Valentina's Journey to Financial Independence 07:42 Valentina's First Mobile Home Project 12:16 Challenges and Surprises in the Renovation 19:01 Final Touches and Listing the Property 25:22 Negotiating with the Wholesaler 25:58 Deciding to Rent Instead of Sell 27:16 Refinancing Challenges 28:14 Successful Rental Experience 30:26 Tenant Improvements and Satisfaction 33:43 Reflections on Mobile Home Investment 38:18 Valentina's Personal Insights and Goals 47:46 Conclusion and Final Thoughts  

Everyone is talking about starting an AI business - zero code, zero employees, and a $1M outcome. And while that can be true, it usually assumes you have 40+ hours a week to learn AI from the ground up. But what if you don't? What if you're working a full-time job, have kids and family commitments, and only have 8-12 hours a week to work on a side hustle?In this episode, we talk about why a digital agency may be a far better option in that situation, but not in the way most people think about agencies. Digital agencies are one of the easiest and highest cash-flow online businesses heading into 2026, and one of the few business models where you can start from zero, build real digital skills, and potentially grow into a seven-figure or even multimillion-dollar exit.I'm joined by Greg from Empire Flippers, who shares what he's seeing from serious buyers, why digital agencies are becoming so attractive, and where the biggest opportunities are right now. If you want 2026 to be the year you finally build an income online, this is an interview you don't want to miss.Want To Learn How To Buy Websites for Income and Financial Independence?You don't need tech skills or prior experience, just the right strategy and a proven plan. Learn how 6-figure earners are buying profitable online businesses (the smart and safe way in 2025): https://www.ebusinessinstitute.com.au/dip

If you want to sell your online business or digital agency one day, you have to understand 3 things:1) How big buyers actually think2) What buyers look for in a digital agency And 3) how to increase your agency valuation ... so it's not just an asset that brings in cash flow but one that pay you 2-3x your annual profit if you do decide to exit in the future.That's why in this episode of the Digital Investor Podcast, I'm sitting down with Dom Wells, founder and CEO of Onfolio, a NASDAQ-listed company that acquires online businesses and digital agencies.He's going to share what large buyers actually look for when acquiring online businesses and digital agencies, why have digital agencies have become so attractive, and what separates businesses that are easy to buy from those that struggle to exit.Want To Learn How To Buy Websites for Income and Financial Independence?You don't need tech skills or prior experience, just the right strategy and a proven plan. Learn how 6-figure earners are buying profitable online businesses (the smart and safe way in 2025): https://www.ebusinessinstitute.com.au/dip

AI is revolutionizing how we build wealth and achieve financial independence. In this episode, Mindy Jensen and Scott Trench break down exactly how to use AI tools to accelerate your path to FI—from automating budgets and analyzing investments to generating income streams and optimizing your financial strategy. Discover which AI tools actually work for personal finance, how AI is changing job markets and earning potential, and practical ways to leverage this technology today. Whether you're new to AI or already experimenting, learn how to use artificial intelligence as your secret weapon for reaching financial freedom faster. This Episode Covers: How AI tools can accelerate your path to financial independence Practical AI applications for budgeting and personal finance management Using AI for investment research and strategy development AI-powered income generation and side hustle opportunities How AI is changing job markets and what it means for your career Real risks and limitations of AI in financial decision-making Future trends in AI and personal finance How to stay ahead in the AI revolution without getting overwhelmed Whether you're an AI skeptic or enthusiast, you'll walk away with actionable ways to use this technology to reach your financial goals faster. Subscribe to our Weekly Newsletter: www.biggerpocketsmoney.com Follow BiggerPockets Money on Social: Facebook: https://www.facebook.com/groups/BPMoney Instagram: https://www.instagram.com/biggerpocketsmoney/ Learn more about your ad choices. Visit megaphone.fm/adchoices

Tripp Limehouse delves into the concept of financial independence, emphasizing that it goes beyond just accumulating wealth. They discuss the emotional aspects of retirement, the importance of creating income and distribution plans, and the role of passive income in achieving financial stability. The conversation also covers retirement savings trends, the transition from accounts to plans, and the significance of estate planning. Additionally, they highlight the importance of catch-up contributions, navigating hardship withdrawals, and preparing for healthcare costs in retirement. The episode concludes with a focus on long-term care planning and the necessity of having a comprehensive retirement plan. Visit Limehouse Financial to learn more. Call 800-940-6979See omnystudio.com/listener for privacy information.

Tripp Limehouse discusses the financial challenges faced by baby boomers as they approach retirement. He highlights common financial missteps, the importance of proper planning, and the role of social security in retirement income. Tripp emphasizes the need for a comprehensive financial strategy that includes understanding social security benefits and avoiding reliance solely on them. The discussion also touches on the Green Line Principle as a safe money strategy for retirement planning. Visit Limehouse Financial to learn more. Call 800-940-6979See omnystudio.com/listener for privacy information.

Well, here we are—for the last time, for now. A couple weeks ago, I wrote an end-of-year letter that functioned like a little “status update” on how I'm feeling moving into 2026. In this episode, I invite back five of my favorite guests for their own check-ins. We talk about: What it feels like to finally pull the “F.I.” rip cord (and whether it “works”) How money changes relationships, and vice versa Marriage between entrepreneurs An economic diagnosis of our present moment  Things we've changed our minds about in 2025 This felt like the most fitting possible capstone for the year and this chapter of the show. Thank you for tuning in week after week; thank you for being along for the ride as this show has evolved over the years and as I have evolved over the years; thank you for arguing with me in good faith and expanding my worldview; thank you for engaging with this show so earnestly and consistently. Until next time! Subscribe to my weekly newsletter: ⁠⁠⁠⁠⁠⁠⁠⁠https://moneywithkatie.com/newsletter⁠⁠⁠⁠⁠⁠⁠⁠ Get your copy of Rich Girl Nation, one of Barnes & Noble's Best Business Books of 2025:⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.moneywithkatie.com/rich-girl-nation⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Transcripts, show notes, resources, and credits at: https://moneywithkatie.com/the_mwk_show/curtain-call/ — Money with Katie's mission is to be the intersection where the economic, cultural, and political meet the tactical, practical, personal finance education everyone needs. Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3406: A Purple Life shares her simple yet powerful approach to guiding friends through the path to financial independence. By letting curiosity lead the conversation, encouraging preparation, and offering gentle follow-ups, she shows how to make meaningful financial change feel both approachable and empowering. Read along with the original article(s) here: https://apurplelife.com/2019/04/16/how-to-teach-a-curious-friend-about-financial-independence/ Quotes to ponder: "People are sensitive to money talk." "Finances in the US have the weird distinction of being up there with sex, religion and politics for topics that we don't often discuss." "Gentle reminders seem to help keep people on track." Episode references: 401(k): https://www.investopedia.com/terms/1/401kplan.asp Mint: https://www.mint.com Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3406: A Purple Life shares her simple yet powerful approach to guiding friends through the path to financial independence. By letting curiosity lead the conversation, encouraging preparation, and offering gentle follow-ups, she shows how to make meaningful financial change feel both approachable and empowering. Read along with the original article(s) here: https://apurplelife.com/2019/04/16/how-to-teach-a-curious-friend-about-financial-independence/ Quotes to ponder: "People are sensitive to money talk." "Finances in the US have the weird distinction of being up there with sex, religion and politics for topics that we don't often discuss." "Gentle reminders seem to help keep people on track." Episode references: 401(k): https://www.investopedia.com/terms/1/401kplan.asp Mint: https://www.mint.com Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3406: A Purple Life shares her simple yet powerful approach to guiding friends through the path to financial independence. By letting curiosity lead the conversation, encouraging preparation, and offering gentle follow-ups, she shows how to make meaningful financial change feel both approachable and empowering. Read along with the original article(s) here: https://apurplelife.com/2019/04/16/how-to-teach-a-curious-friend-about-financial-independence/ Quotes to ponder: "People are sensitive to money talk." "Finances in the US have the weird distinction of being up there with sex, religion and politics for topics that we don't often discuss." "Gentle reminders seem to help keep people on track." Episode references: 401(k): https://www.investopedia.com/terms/1/401kplan.asp Mint: https://www.mint.com Learn more about your ad choices. Visit megaphone.fm/adchoices

Most producers say they want to dominate 2026, yet many are still waiting for permission. Waiting for the “right time” to invest in themselves. Waiting to see if someone else will sign off on it. That mindset quietly keeps people stuck—and it's far more common than most want to admit.In this episode, I sit down with my client and friend, Andy Neary, for an honest, no-fluff conversation about what actually holds high performers back. We talk about why driven professionals often struggle with self-worth, why chasing a “guaranteed ROI” can sabotage momentum, and how confidence isn't something you wait to feel—it's something you build by consistently showing up for yourself.This is a real conversation about responsibility, ownership, and what it takes to stop playing small as the new year approaches.About The Guest: Andy Neary is a speaker, author, podcast host, and coach dedicated to helping professionals build the mindset, habits, and strategies needed to excel in business and life. A former professional baseball player in the Milwaukee Brewers organization, Andy leveraged discipline, unshakeable drive, and consistent daily habits to succeed at the highest level — despite being undersized for his position. Andy Neary - Speaker, Author, ConsultantToday, he applies those same lessons off the field through Complete Game Consulting, a coaching and training company he founded in 2019, where he advises insurance professionals and agencies on mindset, marketing, branding, and performance. Andy is also host of Bullpen Sessions, a podcast for driven professionals focused on mindset and tactics for success. He's a contributing author to the Amazon best-selling book Breaking Through the Status Quo and is a sought-after keynote speaker for events and podcasts. Andy lives in south-central Wisconsin.If you enjoyed this episode, make sure and give us a five star rating  and leave us a comment on iTunes, Podcast Addict, Podchaser and Castbox about what you'd like us to talk about that will help you realize that at any moment, any day, you too can decide, it's your turn! 

In this episode: year-end reflection, self-awareness, coaching yourself, creating goals, daily check-ins, with Morgan Bricca Episode Summary Join host Adam Coelho as he welcomes back Morgan Bricca to discuss the importance of year-end reflection and planning. Morgan shares her approach to self-awareness, self-coaching, and how to set meaningful goals for the upcoming year. Learn how to develop habits that align with your desired feelings and intentions, and discover practical tips for maintaining focus and motivation throughout the year. Guest Bio Morgan Bricca is a passionate advocate for mindful living and financial independence. With a background in coaching and personal development, she emphasizes the significance of self-awareness and intentional goal setting in achieving a fulfilling life. Key Takeaways Self-awareness is crucial for efficient living and helps align actions with one's life purpose. Coaching yourself can save costs and empower personal growth through self-reflection and accountability. Setting a daily checklist can enhance focus on personal goals and help track progress effectively. Year-end reflections help in recognizing changes in priorities and recalibrating for the upcoming year. Identifying core feelings can guide goal-setting and daily actions, making them more meaningful. Embracing discomfort and being brave can lead to significant personal growth and fulfillment.

The FIRE movement has changed - and we've got your comprehensive guide to it here. Join Canna Campbell - a financial planner for 20 years - and Fear & Greed's Michael Thompson as they look at why FIRE is now more about Financial Independence, and less about Retiring Early. ---The information in this podcast is general in nature and does not take into account your personal circumstances, financial needs or objectives. Before acting on any information, you should consider the appropriateness of it and the relevant product having regard to your objectives, financial situation and needs. In particular, you should seek independent financial advice and read the relevant Product Disclosure Statement or other offer document prior to acquiring any financial product.​Canna Campbell is an Authorised Representative and Financial Adviser of Links Licensee Services Pty Ltd AFSL No. 700012 ABN 97 678 975 589.See omnystudio.com/listener for privacy information.

What is the FIRE movement and how did it get started? It's not a club or a cult: It doesn't have a headquarters, rather it's a set of investment principles: And it just might be a breakthrough for you in the year ahead. Lionel Lee joins James Kirby in the episode. --------In today's show, we cover: The key principles of FIRE Getting the best from what the movement has to offer A case study that spans a lifetime The realities of 'firing up' Please note, this is a repeat episode of The Money Puzzle. It originally aired in December 2024.See omnystudio.com/listener for privacy information.

In this year-end reflection episode, Ginger and Brad share memorable insights from past interviews on budgeting, spending, and the importance of values in financial decisions. They discuss how taking action can lead to financial independence, the impact of community, and the transformative power of generosity. This episode encourages listeners to implement strategies that align with their personal values and relationships for achieving true wealth beyond financial metrics. Timestamps 00:00:00 - Intro to the Episode 00:01:47 - Reflecting on Memorable Interviews 00:03:41 - The Importance of Budgeting 00:05:20 - Seasons of Life and Spending 00:09:16 - Community Impact 00:10:52 - Generosity and Giving 00:12:31 - Mindset Shifts 00:52:05 - Concluding Thoughts Key Takeaways Reflecting on Past Episodes (00:01:47) Ginger and Brad explore moments from previous interviews that resonated with them, focusing on actionable insights. Importance of Budgeting (00:03:41) Budgeting is vital to achieving financial independence. Prioritize spending on experiences and values that bring joy, as highlighted by guest Ron Babcock. Seasons of Life and Spending (00:05:20) Understand that spending should align with your current life stage. Budgeting isn't just about saving; it's also about recognizing what matters right now. Community in Financial Independence (00:09:16) The FI community supports each other through shared experiences and service projects. Efforts like the FI Service Core highlight collective impact. Generosity and Giving (00:10:52) Act on urges to be generous immediately; this reinforces meaningful connections and contributes to fulfilling relationships. Mindset Shifts (00:12:31) Challenge limiting beliefs about what's possible in life. Acknowledge that perceptions can often be changed with the right reflection. Actionable Takeaways Align Your Budget with Your Values (00:05:20) Identify what matters most in your life today and reflect this in your budget. Practice Generosity (00:10:52) Make acts of generosity immediate to enrich your relationships and community. Reflect on Beliefs (00:29:19) Question beliefs that limit possibilities and explore what changes can be made to achieve your goals. Quotes "Embrace spending on values; it's essential for a fulfilling life." - Brad (00:07:18) "True love requires sacrifices and effort." - Ginger (00:50:36) "Little changes lead to significant results in financial independence." - Brad (00:41:32) Related Resources The Happiness Trap - A book discussed in the episode that explores cognitive behavioral tools for a healthier mindset. Discussion Questions How do you prioritize your spending to align with your values? (00:05:20) What small sacrifice can you make today for someone you care about? (00:50:36) Action Items Reflect on your current financial habits. (00:05:20) Set up a high-interest savings account for future goals. (00:25:54)

Nick Maggiulli's latest article in Of Dollars & Data challenges one of the core ideas that drives personal finance blogs, podcasts, and even some of our own thinking — the belief that financial independence should be the ultimate goal. We explore the surprising downsides of chasing early retirement, the difference between financial independence and financial freedom, and why something called "Coast FIRE" might be the real goal worth aiming for. I also answer a listener question: What can retirees do to fight back against inflation? One listener asks how to protect their buying power as costs keep rising. We go over several practical, actionable ways to stretch your dollars and build an inflation-resistant retirement. Resource: Article by Nick Maggiulli in Of Dollars & Data: Why Financial Independence is Overrated Connect with Benjamin Brandt Get the Retire-Ready Toolkit: http://retirementstartstodayradio.com Subscribe to the newsletter: https://retirementstartstodayradio.com/newsletter Work with Benjamin: https://retirementstartstoday.com/start Follow Retirement Starts Today in:Apple Podcasts, Spotify, Overcast, Pocket Casts, Amazon Music, or iHeart Get the book!Retirement Starts Today: Your Non-financial Guide to an Even Better Retirement  

Should you turn your primary home into a rental property or sell it when you move? It's one of the biggest financial decisions homeowners face, and in this episode, Mindy Jensen and Scott Trench are helping Alyssa and John figure out the answer. This couple is relocating and facing a dilemma: they have a home with a low mortgage rate that could generate rental income, but they're also craving simplicity and wondering if selling would accelerate their path to financial independence. Alyssa and John open up about their complete financial picture, investment portfolio, and long-term FI goals as Scott and Mindy crunch the numbers and weigh the options. This Episode Covers: The financial pros and cons of converting your primary residence into a rental property How to analyze rental property cash flow and return on investment Tax implications of selling vs. renting out your home The impact of low mortgage rates on the rent vs. sell decision Lifestyle considerations: being a long-distance landlord and property management challenges How rental income affects your path to financial independence Real numbers breakdown: Alyssa and John's complete financial analysis Property management costs and whether DIY landlording is worth it How to make smarter real estate decisions during major life transitions And SO much more! Learn more about your ad choices. Visit megaphone.fm/adchoices

What if your 401(k) isn't really your money? In this episode, we break down Willie Sutton's Law and expose how government-controlled retirement plans quietly limit your freedom, liquidity, and control over your wealth. Follow Mary Jo Here: https://www.youtube.com/@MaryJoIrmen?sub_confirmation=1 Get the book: https://www.farmingwithoutthebank.com/book/?utm_source=youtube&utm_medium=organic&utm_campaign=wtb-ep249&utm_term=desc-top In WTB Episode 249, we continue our Becoming Your Own Banker chapter review, diving deep into Willie Sutton's Law: "Wherever wealth is accumulated, someone will try to steal it." This episode challenges conventional thinking around 401(k)s, IRAs, Roth limits, and tax-deferred retirement plans. We unpack how taxation works, why qualified plans were created, and how government incentives quietly shape your financial behavior — often at your expense. We also discuss the historical role of churches vs. government welfare, the dangers of inaccessible retirement savings, and why many people feel "broke" while technically having money they can't touch. Key Takeaways: Why tax-deferred retirement plans come with hidden control and risk How Willie Sutton's Law applies directly to 401(k)s and IRAs The real reason Roth IRAs are limited and capped Why tax refunds are NOT a win How lack of liquidity keeps people financially stressed Why responsibility—not government—is the key to financial freedom Chapters: (00:00) – Is the Government Your Savings Account? (05:50) – Willie Sutton's Law & Government Taxation (10:37) – Qualified Plans & Changing the Rules (15:38) – Roth IRAs, 401(k)s, and Control (20:55) – Liquidity Problems & Opportunity Cost (25:07) – Tax Refunds Explained (30:08) – A Private Solution Outside Government Control Grab your copy of Becoming Your Own Banker and follow along with us https://www.withoutthebank.com/product/becoming-your-own-banker/?utm_source=youtube&utm_medium=organic&utm_campaign=wtb-ep249&utm_term=desc-bot1 Drop your questions or comments — we read them. Like, subscribe, and share if this episode made you rethink retirement Links Mentioned: Becoming Your Own Banker by Nelson Nash: https://www.withoutthebank.com/product/becoming-your-own-banker/?utm_source=youtube&utm_medium=organic&utm_campaign=wtb-ep249&utm_term=desc-bot2 Austrian Economics & Mises Institute: https://mises.org/austrian-school/austrian-economics-overview FEE.org (Foundation for Economic Education): https://fee.org/

In this year-end episode, Christina sits down with her husband Nathan Salter for an honest reflection on the year—what challenged them, what surprised them, and what ultimately changed them.They talk candidly about navigating uncertainty in business, the mindset shifts that mattered most, and lessons learned around hiring, leadership, and decision-making. The conversation also goes personal, touching on health, mental well-being, and the importance of support, trust, and communication in both marriage and work.This episode is about growth—professionally and personally—and what it really looks like to build a life and business together while staying present along the way. If you enjoyed this episode, make sure and give us a five star rating  and leave us a comment on iTunes, Podcast Addict, Podchaser and Castbox about what you'd like us to talk about that will help you realize that at any moment, any day, you too can decide, it's your turn! 

 This episode is sponsored by Lightstone DIRECT. Lightstone DIRECT invites you to partner with a $12B AUM real estate institution as you grow your portfolio. Access the same single-asset multifamily and industrial deals Lightstone pursues with its own capital – Lightstone co-invests a minimum of 20% in each deal alongside individual investors like you. You're an institution. Time to invest like one.____________What if the search for your “one true purpose” is actually making you miserable and the real path to a regret-free life is simpler than you think?In this insightful conversation, Dr. Bradley Block reconnects with returning guest Dr. Jordan Grumet to explore the ideas in his new book, The Purpose Code. Building on his first book Taking Stock, Jordan tackles the question he's asked most: “How do I actually find purpose?” He breaks down why we get purpose wrong, introduces Big P vs. little p purpose, and shares why focusing on process over outcome creates abundance, community, and lasting happiness. From hospice stories to personal examples like podcasting and baseball cards, Jordan shows physicians how to build purpose around what truly fills them up, without needing to quit medicine or chase scarcity-driven goals.If you've ever felt purpose anxiety or wondered whether being a doctor is “enough,” this episode offers a practical, liberating framework to live intentionally and regret-free.Three Actionable Takeaways:Distinguish Big P from little p purpose: Stop chasing scarce, audacious goals (e.g., curing cancer, becoming a billionaire) that breed anxiety and failure. Instead, identify activities where you love the process itself regardless of outcome or pay. Ask: “Would I do this even if no one paid me or noticed?” These abundant little p purposes bring joy, flow, and surprisingly greater impact.Build purpose now, not after financial milestones: Don't wait for financial independence to pursue what lights you up. Use the 5–6 hours of daily free time most people have to fill time slots with purposeful activities. At work, maximize what you enjoy (addition), minimize what you loathe (subtraction), or switch roles or employers to increase joy without blowing up your finances.Pair purpose with meaning for true happiness: Purpose (present/future actions that fill you up) needs meaning, a heroic narrative of your past, to thrive. Reframe past struggles as a hero's journey “I am enough” to quiet victim stories that sabotage new purposeful pursuits. Strong relationships and community naturally flow from living your little p purpose, which research shows is the biggest predictor of health and longevity.About the Show:Succeed In Medicine  covers patient interactions, burnout, career growth, personal finance, and more. If you're tired of dull medical lectures, tune in for real-world lessons we should have learned in med school!About the Guest:Dr. Jordan Grumet, known as Doc G, is an associate medical director at Unity Hospice, a Plutus award-winning podcaster for Earn & Invest, and a prominent voice in the Financial Independence, Retire Early (FIRE) community. With a background in internal medicine and a shift to hospice care, he authored Taking Stock: A Hospice Doctor's Advice on Financial Independence, Building Wealth, and Living a Regret-Free Life, which reshaped how people align money with values. His second book, The Purpose Code (releasing January 7, 2025), explores creating purpose through process rather than goals, drawing from his hospice insights and personal journey to inspire a fulfilling life.LinkedIn: http://linkedin.com/in/jordan-grumet-38a506179 Website: https://jordangrumet.com/ Podcast: https://podcasts.apple.com/ng/podcast/earn-invest/id1440355498About the Host:Dr. Bradley Block – Dr. Bradley Block is a board-certified otolaryngologist at ENT and Allergy Associates in Garden City, NY. He specializes in adult and pediatric ENT, with interests in sinusitis and obstructive sleep apnea. Dr. Block also hosts Succeed In Medicine podcast, focusing on personal and professional development for physiciansWant to be a guest?Email Brad at brad@physiciansguidetodoctoring.com  or visit www.physiciansguidetodoctoring.com to learn more!Socials:@physiciansguidetodoctoring on Facebook@physicianguidetodoctoring on YouTube@physiciansguide on Instagram and Twitter This medical podcast is your physician mentor to fill the gaps in your medical education. We cover physician soft skills, charting, interpersonal skills, doctor finance, doctor mental health, medical decisions, physician parenting, physician executive skills, navigating your doctor career, and medical professional development. This is critical CME for physicians, but without the credits (yet). A proud founding member of the Doctor Podcast Network!Visit www.physiciansguidetodoctoring.com to connect, dive deeper, and keep the conversation going. Let's grow! Disclaimer:This podcast is for informational purposes only and is not a substitute for professional medical, financial, or legal advice. Always consult a qualified professional for personalized guidance. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Are you inspired by the powerful legacy grandparents can leave for their grandchildren? Are you striving to move beyond daily crisis management and set up systems for lifelong resilience, healing, and financial stability? Do you wonder how the lessons of your own upbringing could shape the future of the children in your care?I'm Laura Brazan, host of "Grandparents Raising Grandchildren: Nurturing Through Adversity." In this episode, I sit down with Nathaniel Turner—a TEDx speaker, spiritual leader, and financial expert—who credits his remarkable success to the intentional systems built by his two influential grandmothers. Discover how trauma, spiritual guidance, and the “financial rebel” mindset led to generational breakthroughs.For more information about Nathaniel Turner, please visit his website. Visit this link for more information about the League of Extraordinary Parents.Together, we'll explore real-world strategies for kinship caregivers, from trauma-informed parenting, building emotional and financial systems, modeling resilience, and creating powerful relational legacies. Hear actionable advice, honest stories, and practical frameworks you can apply today to transform adversity into opportunity for your family.Join our community of grandparents reshaping the future—gain hope, support, and essential wisdom for raising grandchildren through life's toughest moments. Don't miss this transformative journey!Send us a textKids on the specturm have the most imaginative minds. They can say the silliest things. My world can get way too serious. Sometimes the best thing to do is "get on the train" with them! Here's another fun Self-care tip with Jeanette Yates!Thank you for tuning into today's episode. It's been a journey of shared stories, insights, and invaluable advice from the heart of a community that knows the beauty and challenges of raising grandchildren. Your presence and engagement mean the world to us and to grandparents everywhere stepping up in ways they never imagined. Remember, you're not alone on this journey. For more resources, support, and stories, visit our website and follow us on our social media channels. If today's episode moved you, consider sharing it with someone who might find comfort and connection in our shared experiences. We look forward to bringing more stories and expert advice your way next week. Until then, take care of yourselves and each other.Want to be a guest on Grandparents Raising Grandchildren: Nurturing Through Adversity? Send Laura Brazan a message on PodMatch, here: https://www.podmatch.com/hostdetailpreview/grgLiked this episode? Share it and tag us on Facebook @GrandparentsRaisingGrandchilden Love the show? Leave a review and let us know! CONNECT WITH US: Website | Facebook

What if the real trap is not working hard, it is spending your best years building someone else's empire with money you do not even trust?Mike Peterson sits down with Efrat Fenigson (@efenigson) during Bitcoin Historico for a blunt conversation about the fiat system, corporate life, and why “growth for growth's sake” eventually stops making sense. Efrat explains how years of being great at driving revenue for other people pushed her toward a bigger question: who is this all really for?Before Bitcoin, Efrat Fenigson was deep in the tech world, first as a developer in Australia, then rising to executive roles in Israel. She talks about being a woman in tech on male-dominated teams, the early career reality behind the kinds of paths people imagine when they search video game designer job opportunities, and the moment she realized the work was not the same as purpose.Then things get personal. Efrat shares what happened when she spoke out during Covid, how backlash followed, and why free speech became a line she would not cross, even if it cost her socially and professionally. This is the part of the story where “play it safe” stops being advice and starts being a warning.Bitcoin enters through one sharp question that changed everything, “can they touch it?” Efrat Fenigson describes why self-custody, sound money, and censorship resistance felt like freedom tech, not just finance. It is also where her drive for financial independence turns into something broader, a freedom movement mindset built around sovereignty and personal responsibility.Finally, they zoom out to Bitcoin adoption in El Salvador, including Bitcoin Beach in El Zonte and what a real circular economy looks like when it is not just theory. Efrat and Mike Peterson talk about merchants accepting Bitcoin, why even small savings windows can change how people plan their lives, and why on-the-ground reality matters more than headlines.-Bitcoin Beach TeamConnect and Learn more about X: https://x.com/efenigson YT: https://www.youtube.com/@EfratFenigson Support and follow Bitcoin Beach:X: https://www.twitter.com/BitcoinBeach IG: https://www.instagram.com/bitcoinbeach_sv TikTok: https://www.tiktok.com/@livefrombitcoinbeach Web: https://www.bitcoinbeach.com Browse through this quick guide to learn more about the episode:00:00:00 - Intro: Observing the reality of Bitcoin in El Salvador 00:08:13 - How do you become a global CMO in Israel? 00:09:43 - How can single motherhood and divorce debt push someone to pursue financial independence and retire early? 00:13:58 - Why do high earners quit corporate jobs? 00:17:51 - What happens when you speak out during Covid? 00:21:11 - How did Efrat Fenigson get into Bitcoin?  00:21:47 - Can the government seize Bitcoin? What does ‘can they touch it' mean for self-custody and censorship resistance?  00:34:52 - Is Bitcoin still being used in El Salvador? What is Bitcoin Beach in El Zonte really like for visitors?  00:41:20 - Why do merchants accept Bitcoin in El Salvador? Does Bitcoin adoption actually help small businesses save money?  00:42:13 - Why is Bitcoin called freedom tech? How does sound money connect to a freedom movement and personal sovereignty? Live From Bitcoin Beach

In this episode of Boldin Your Money, Steve Chen catches up with Paula Pant, founder of Afford Anything to explore how her work and thinking have evolved. Paula shares how earning a graduate degree in economic journalism deepened her approach to personal finance, why her audience is juggling more competing priorities than ever, and how rising uncertainty is shaping financial behavior. She and Steve discuss housing lock-in, geo-arbitrage, and the growing value of human soft skills in an AI-driven world. Paula also breaks down her “Double-I FIRE” framework and explains why real estate, entrepreneurship, and empowered decision-making matter more than ever.

In this episode of "Money Meets Medicine," Dr. Jimmy Turner and Justin Harvey CFP share a comprehensive year-end financial checklist for physicians. They discuss maximizing contributions to tax-advantaged accounts, coordinating retirement savings during job transitions, managing tax withholdings and 1099 income, and optimizing investment portfolios through rebalancing and tax loss harvesting. The hosts also cover charitable giving strategies using donor-advised funds, tax planning for self-employed physicians, insurance reviews, and important deadlines for 529 plans, RMDs, and Roth conversions—offering practical advice to help medical professionals finish the year financially strong.Not sure where to start? Join the once-weekly MMM Update where we send a personal finance lesson of the week to your inbox in addition to that week's content and exclusive deals and discounts: https://moneymeetsmedicine.com/update Download a free copy of The Physician Philosopher's Guide to Personal Finance: https://moneymeetsmedicine.com/freebookEvery doctor needs own-occupation disability insurance.  To get it from a source you can trust? Visit https://moneymeetsmedicine.com/disability  Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

We're taking some time to highlight our best Gymsplain Episodes. In this episode of Financially Naked: Stories from The Financial Gym, host Sara B is joined by the multi-talented Paige Williams, a career coach and salary negotiation expert who recently achieved Financial Independence, Retire Early (FIRE) after an impressive eight-year corporate career.  For more details check out our show notes here! If you want to work with a Certified Financial Trainer to help navigate your finances, schedule a free warm-up call today! If you have any ideas or questions for the show, send an email to trainerpodcast@fingyms.com.    

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Join Mindy Jensen and Scott Trench for a powerful conversation with Regina Moore, who achieved millionaire status before 35 through frugality and her career as a pharmacist. But when her young son was diagnosed with cancer, everything changed. In this deeply personal episode, Regina opens up about how a healthcare crisis tested her Lean FIRE plan in ways she never anticipated. And how financial independence—despite not being a perfect shield—gave her family options during their hardest moments. Her family was placed in an incredibly difficult position due to subsidy cliffs. The conversation highlights the practical realities Regina and others face, examines the structural challenges within current healthcare policy, and discusses potential solutions. This episode covers: How achieving FI before crisis provided crucial flexibility The ACA subsidy cliff and impossible financial trade-offs Adjusting FIRE plans when life doesn't go as expected Why she's still grateful she achieved financial independence Systemic healthcare issues  A must-listen for anyone pursuing financial independence who wants to understand what happens when real life tests your plan. Learn more about your ad choices. Visit megaphone.fm/adchoices

From the archive: This episode was originally recorded and published in 2022. Our interviews on Entrepreneurs On Fire are meant to be evergreen, and we do our best to confirm that all offers and URL's in these archive episodes are still relevant. Dan Sheeks is the author of First to a Million - A Teenager's Guide to Achieving Early Financial Independence, and the founder of SheeksFreaks: a community of young entrepreneurs and early FI seekers. Dan has also been teaching high school business classes for 19 years. Top 3 Value Bombs 1. If you are a young person, or a parent of a young person, flip the script on the status quo. If a person is going to go to college, community colleges are a great option. Do an internship or an apprenticeship that won't put them in tens of thousands of dollars in debt. 2. Entrepreneurship is going to matter for them, no matter what they decide to do after high school. It's just a matter of making the lessons and curriculum interesting for them by using different technologies, guest speakers, and videos that will help get students engaged. 3. It's difficult to know what you want to do for the next 40 years of your life when you're 18 years old. Cheek out Dan's website and join a community of like-minded people - SheeksFreaks Sponsors HighLevel - The ultimate all-in-one platform for entrepreneurs, marketers, coaches, and agencies. Learn more at HighLevelFire.com. Freedom Circle - A powerful community of entrepreneurs led by JLD. Are you ready to go from idea to income in 90-days? Visit Freedom-Circle.com to learn more.

Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Steve Selengut. Also known as The Income Coach. Here's a detailed summary of the episode:

Financial independence isn't just about early retirement. It's giving your future self freedom.J.L. Collins is the best-selling author of “The Simple Path to Wealth: Your Road Map to Financial Independence and a Rich, Free Life.” In this replay from earlier this year, Robert Brokamp caught up with Collins for a conversation about: -The challenges and appeal of being a super-saver-How to use the 4% rule-Lessons from past market crashes-The “self-cleansing” value of index funds Company discussed: VTI Host: Robert BrokampGuest: J.L. CollinsEngineer: Bart Shannon Advertisements are sponsored content and provided for informational purposes only. The Motley Fool and its affiliates (collectively, “TMF”) do not endorse, recommend, or verify the accuracy or completeness of the statements made within advertisements. TMF is not involved in the offer, sale, or solicitation of any securities advertised herein and makes no representations regarding the suitability, or risks associated with any investment opportunity presented. Investors should conduct their own due diligence and consult with legal, tax, and financial advisors before making any investment decisions. TMF assumes no responsibility for any losses or damages arising from this advertisement. Learn more about your ad choices. Visit megaphone.fm/adchoices