Podcasts about our next life

Andy chats with real people (not advisors) doing their own retirement planning. In this episode, Andy talks with Ali & Alison Walker, who live in Arizona currently but lived and traveled abroad for a few years after retiring. They talk about a wide array of retirement planning topics such as when Ali & Alison started getting serious about retirement planning, what they wish they would have known earlier, how they planned for the non-financial aspects of retirement, and a variety of financial topics such as Social Security, investing, portfolio distributions, how they plan to address any potential long term care scenarios and more!Links in this episode:Ali & Alison's website - All Options ConsideredBetter Investing organization - hereTanja Hester's Our Next Life blog - hereTenon Financial monthly e-newsletter - Retirement Planning InsightsFacebook group - Retirement Planning Education (formerly Taxes in Retirement)YouTube channel - Retirement Planning Education (formerly Retirement Planning Demystified)Retirement Planning Education website - www.RetirementPlanningEducation.com

This December is my final year end month for Martinis and Your Money and around this time every year, I'm always talking to clients about goal setting for the following year. And if you've listened to this show before, you know that one of the most important financial goals that I am most passionate about is Financial Independence and that's the ability to work because you WANT to work and not because you HAVE to work. Fi is the number one goal we give to all of our clients at Financial Gym and it's the number one goal I beg of you to set for 2024 and beyond. Joining me today is Tanja Hester, founder of the Our Next Life blog and author of the books Work Optional and Wallet Activism. I have always appreciated Tanja's approach to Financial Independence and she joins me today to share more of that journey and what she and her husband have been up to since the declared Financial Independence six years ago.  For more information, visit the show https://www.martinisandyourmoney.com/show-notes/episode509-tonja-hester

Your money is a tool to support the people and the causes that you care about. In this episode, I talk with Tanja Hester about becoming a wallet activist. Tanja Hester is the author of the award-winning book Wallet Activism: How to Use Every Dollar You Spend, Earn, and Save as a Force for Change. She is also, as The New York Times called her, “the matriarch of the women's FIRE movement.” Listen and learn how to find out what your values are, spend on what matters, and raise your consciousness around how things are made and the impact our purchases have on the environment and other people. “Wallet activism is using your financial power and all its forms for the greater good or the collective good.” -  Tanja Hester What You Will Learn From This Episode What is wallet activism and how it can help us spend our money appropriately How can we find out what our values are and how to not get paralyzed when making decisions that align with our values What are ‘externalities', why it's important to recognize them, how it can help us, and what to consider when shopping for deals Why Starbucks, notebooks, and the dollar store can be problematic How we can be aware when a company is using ‘greenwashing' as a marketing tactic What white people should consider before buying certain food or living in a certain area that can impact indigenous people or people of color All about ESG (Environmental Social and Governance) investing Do you need money to be a conscious and empowered consumer; what you can do if you don't have much financial resources About Tanja Hester: Tanja Hester is the author of the award-winning books Wallet Activism: How to Use Every Dollar You Spend, Earn, and Save as a Force for Change and Work Optional: Retire Early the Non-Penny-Pinching Way. After spending most of her career as a consultant to Democratic politics and progressive issue campaigns, and before that as a public radio journalist, Tanja retired early at the age of thirty-eight. She documented the process on her financial independence/retire early (FIRE) blog, Our Next Life. She's been an outspoken voice in the personal finance media community to consider systemic barriers and opportunity gaps, rather than simply pushing people with lots of advantages already to accumulate more wealth, part of why The New York Times called her “the matriarch of the women's FIRE movement.” She hosts a podcast also called Wallet Activism, writes an occasional opinion column for MarketWatch, and lives in a burgeoning permaculture food forest she's growing in North Lake Tahoe, California, with her husband, Mark Bunge, and a flock of tiny rescue dogs. You can follow her on Twitter and Instagram at @our_nextlife and visit her blog at OurNextLife.com Resources: Wallet Activism: How to Use Every Dollar You Spend, Earn, and Save as a Force for Change by Tanja Hester Connect with Tanja ournextlife.com Instagram Twitter Connect with Melanie mentalhealthandwealth.com melanielockert.com Instagram Support the podcast through Ko-Fi Buy Melanie's book “Dear Debt” Contact: mentalhealthandwealthshow@gmail.com  Want more content and support? Sign up for the Mental Hump Newsletter and get our free Mental Health and Money inventory worksheet. You can sign up at MentalHealthandWealth.com. Also, we host a Mental Health and Wealth Hangout every other Thursday over Zoom at 5 pm PT to chat about all things money and mental health. Join here! Follow us on Apple Podcast or Libsyn! Love the podcast? Leave a review on iTunes!

Tanja Hester is the author of Wallet Activism: How to Use Every Dollar You Spend, Earn, and Save as a Force for Changeand Work Optional: Retire Early the Non-Penny-Pinching Way. After spending most of her career as a consultant to Democratic politics and progressive issue campaigns, and before that as a public radio journalist, Tanja retired early at the age of thirty-eight. She documented the process on her award-winning financial independence/retire early (FIRE) blog, Our Next Life.She's been an outspoken voice in the personal finance media community to consider systemic barriers and opportunity gaps, rather than simply pushing people with lots of advantages already to accumulate more wealth, part of why the New York Times called her "the matriarch of the women's FIRE movement." She hosts a podcast also called Wallet Activism, writes an occasional opinion column for MarketWatch, and lives in a burgeoning permaculture food forest she's growing in North Lake Tahoe, California, with her husband, Mark Bunge, and a flock of tiny rescue dogs.To learn more about Tanja, including her public speaking, visit TanjaHester.com. You can follow Tanja on Instagram, Facebook, Twitter & YouTube. & be sure to purchase her new book here.Loving this episode? Leave us a review if you're listening on Apple podcasts and be sure to follow us on Instagram, Facebook, Twitter and YouTube!WANT TO KICKSTART YOUR FINANCIAL JOURNEY?Download our FREE 14-page guide covering all the topics you need to start making your dinero moves. Visit here. From money mindset, to budget basics, we've got you covered.yoquierodineropodcast.com/courses See acast.com/privacy for privacy and opt-out information.

Frustrated with the state of our economy, the culture, environment and LGBTQ rights? Here's how ‘Wallet Activism' can hasten LGBTQ activism. Today, we're talking with Tanja Hester of the blog Our Next Life and the author of Work Optional and the new book, Wallet Activism. Tanja shares how voting with your dollar can apply to so much more than just when you're at the checkout counter. And, don't worry, you can still live frugally and FI/RE. Remember to subscribe to the weekly show notes newsletter for a chance to win a copy of Tanya's book.

Tanja Hester is the author of Wallet Activism: How to Use Every Dollar You Spend, Earn, and Save as a Force for Change and Work Optional: Retire Early the Non-Penny-Pinching Way. She spent most of her career as a consultant to Democratic politics and progressive issue campaigns, and before that as a public radio journalist. Tanja retired early at the age of thirty-eight. She documented the process on her award-winning financial independence/retire early (FIRE) blog, Our Next Life. Today, we're going to be talking about how every purchase you buy matters, and how every one counts as a vote for the way you want the world to be. Are your purchases aligned with your values? Find Tanja Hester Online: Wallet Activism: How to Use Every Dollar you Spend, Earn, and Save as a Force for Change Tanja Hester on Twitter Tanja Hester on Instagram Our Next Life: Tanja Hester's Blog Find me online: This Sustainable Life: Solve For Nature Podcast: https://anchor.fm/solvefornature Blog: https://verdantgrowth.blog/ YouTube: https://www.youtube.com/channel/UC24IiwM0BPQ-_3DVz2KnuVw Twitter: https://twitter.com/VerdantGrowth Facebook: https://www.facebook.com/realverdantgrowth Instagram: http://instagram.com/verdant.growth --- Support this podcast: https://anchor.fm/solvefornature/support

Renai is ready to retire at the age of 36. No, she's not a tech founder who just sold her company; she was raised working class by a single mom and has worked in non-profits most of her life. We asked Renai to come on the podcast and share how she was able to reach financial independence so early in her career, because unlike many such stories, hers is as attainable as it is aspirational. A few things that come up in the episode: -- We discuss the FIRE lifestyle movement. FIRE stands for Financial Independence / Retire Early. Read more at https://en.wikipedia.org/wiki/FIRE_movement. We reference the term “coast FI.” When someone has reached “coast FI” this means they have enough money in their retirement accounts that they'd have enough to retire at a typical retirement age without making any additional contributions-- simply by letting their current balance accrue interest. -- Renai references the book “Work Optional,” written by Tanja Hester of the Our Next Life blog. Read more here: https://ournextlife.com/2018/10/24/work-optional/ -- Renai discusses using a down payment assistance loan from a state agency to finance her first home purchase. Many public entities offer such support to first-time home buyers. Find out more about the program Renai accessed via the Washington State Housing Finance Commission here: https://www.wshfc.org/ https://www.seattle.gov/housing/renters/buy-a-home -- We discuss house hacking, which essentially refers to buying a property for use as both your primary residence as well as a rental property. Read more about house hacking here: https://www.forbes.com/sites/davidgreene/2018/12/04/house-hacking-how-financially-savvy-people-live-in-expensive-markets-while-saving-money/?sh=4cf4a65470f0 -- One of Renai's ventures is running a vacation rental, and we discuss some of the mechanics of that starting at around 14:50.

Wallet activism is using your financial power in all its forms to change the status quo, going beyond what you spend to look at how you earn money, where you live, where you bank, how you donate, and so many more financial choices we make every day.To kick off this new show, today Tanja Hester is talking about Wallet Activism: what it is as a concept, and how the podcast and the book are different. We also talk about all the bonus resources you can get for free if you pre-order the book (available as a paperback, ebook and audiobook).Post on my blog Our Next Life with info on pre-order bonus resourcesPlaces to pre-order:Pre-order on Indiebound (can also connect you to your local indie bookseller)Pre-order on Bookshop.orgPre-order from Powell'sPre-order on Amazon Smile (be sure to use smile.amazon.com so a portion goes to the nonprofit of your choice)Pre-order on Barnes & NoblePre-order from BenBella BooksPre-order from Booktopia (Australia)

With the uncertainty of the Affordable Care Act (ACA) looming before us, many are asking: How can we plan for healthcare - now and in the future? How much will I need to save to cover healthcare in retirement? What can I do if I can't afford the expensive premiums?  As a community of entrepreneurs and early retirees, this is a major concern. To help us understand the healthcare landscape, Tanja Hester, author of Work Optional and the blog Our Next Life, joins us. For more information, visit the show notes at https://affordanything.com/psathursday

Our guest this week is Tanja Hester, whom The New York Times referred to as the matriarch of the FIRE movement. For the uninitiated, FIRE stands for financial independence/retire early. Tanja is the author of the Our Next Life blog, and she is also author of the book Work Optional: Retire Early the Non-Penny-Pinching Way. Tanja and her husband Mark retired in 2017 at the ages of 38 and 41. Her blog is devoted to chronicling their journey and sharing guidance for others who might be considering an early retirement.BackgroundTanja Hester’s blog “Our Next Life” Tanja Hester’s bio and backstory Tanja Hester’s twitter handle @ournextlife Tanja Hester’s author/speaker page Tanja Hester’s book, “Work Optional: Retire Early the Non-Penny-Pinching Way”“For These Women, a FIRE That Burns Too Male and Too White” by Charlotte Cowles; The New York Times; June 7, 2019  Early Retirement/Sequence-of-Return Risk Tanja Hester’s writings on sequence-of-return riskKarsten Jaske’s “Early Retirement Now” blog Tanja Hester’s multi-phase retirement financial plan Savings and Withdrawal Rates“You’ve been diligently investing for retirement all these years. Why now is the time to hang onto cash” by Tanja Hester; MarketWatch; March 7, 2020Tanja Hester’s writings on savings rates Tanja Hester’s writings on mortgage pay-off Tanja Hester’s writings on 4% safe-withdrawal rule “The 4% Rule is Not Your Friend” by Tanja Hester; Our Next Life blog; June 10, 2019 Karsten Jaske’s “Safe Withdrawal Rate” series“How We Calculated Our ‘Enough’ Number for Early Retirement” by Tanja Hester; Our Next Life blog; Aug. 23, 2017 “The Best Retirement Withdrawal Strategies” by Darrow Kirkpatrick; Can I Retire Yet blog; March 9, 2016 Healthcare PlanningTanja Hester’s writings on health insurance “The Roth strategy we wish we’d built for early retirement” by Tanja Hester; MarketWatch; Jan. 29, 2020 Home Ownership and Rental PropertiesTanja Hester’s tweet on peace of mind from owning a home mortgage-free“Choosing People Over Money: The Story of Our Rental Property” by Tanja Hester; Our Next Life blog; Aug. 29, 2016 Motivation for Retiring Early“Why the Urgency?” by Tanja Hestery; Our Next Life Blog; April 8, 2015“The Privilege of Retiring When We Want, How We Want” by Tanja Hester; Our Next Life blog; Nov. 7, 2016 “My Other Motivation for Retiring Early” by Tanja Hester; Our Next Life blog; July 23, 2018 “New Life Rhythms, A Delayed Reckoning and Being Okay with Blogging Less” by Tanja Hester; Our Next Life blog; Sept. 16, 2019 Budgeting and Travel-PlanningTanja Hester’s writings on budgeting Tanja Hester’s writings on travel planningLessons Learned“What Everyone Should Know About Early Retirement” by Tanja Hester; Our Next Life blog; Sept. 12, 2018 Social Security, Medicare, and Later-Life Needs “Why We Aren’t Banking on Social Security for Our Retirement--But Why You Might” by Tanja Hester; Our Next Life Blog; Oct. 9, 2017Tanja Hester’s writings on medicare “Don’t Forget About Your Later Years” by Tanja Hester; Our Next Life blog; Aug. 16, 2017    

What is Financial Feminism and should it mean something to me? Bethany and Ellie are joined this week in the Millhouse by Tanja Hester, author of Work Optional and creator of Our Next Life blog and The Fairer Cents podcast in a special two part series on Financial Feminism. This week they focus on Women and money in the home--specifically the roles women normally take when it comes to money. Tanja started her podcast because she felt like there were conversations that were not being had in the financial space when it comes to the unloved playing field and economic inequality. Tanja defines feminism as women and men are equal and that we are going to create a society and systems that uphold equality, even though the word often comes with unnecessary baggage. There are so many connections between finances and feminizes, and Tanja identifies a few of them. One of them is that men are often entrusted with "high finances" decisions, like where to invest their money, and women are often entrusted with the "low finance" decisions like how to stretch the grocery budget or how to clip coupons. They also talk about the stigma associated with women making major financial decisions and the idea of who is the bread winner. Tanja gives words for Ellie and Bethany to use when in situations where they may need to push back on perceived sexist comments and conversations without coming across overly bossy or dominant as a woman. Bethany and Ellie end the discussion talking about how stay at home moms have as much right and access to the money eared by their family even though they aren't the ones bringing in the money. Ellie shares how when she was a SAHM, she never felt like it was "his money" and "her money," but always "our money." Join the conversation next week as Tanja is in the Millhouse again talking about women in business. For more information, visit the show notes at https://themoneymillhouse.com/financial-feminism-tanja-hester-our-nextz-life-fairer-cents-part-1

In this week’s podcast episode, Zero shares her amazing story of adversity and triumphs. She saved half her income when she made $60,000 a year in New York while also navigating health challenges. In her twenties, she had brain surgery and doctors told her she may not be able to work or live independently. Instead of surrendering to her prognosis, she got through her recovery and moved to New York City.  Not only did Zero find a job, but she went from making $37,000 a year to $75,000 in a short period. Zero maximized her income when she was making less, so she was able to max out her retirement savings when she earned more money. Zero saved $100,000 by 30 and recently quit her job to become a full-time entrepreneur. She continues to navigate her health challenges but has never allowed them to limit her abilities or accomplishments on her journey to financial freedom.  In this episode you will learn: How to boost your income so you can max out your savings Ways to save on taxes and medical expenses  The power of a positive perspective and money mindset How to save, invest, and survive on less in New York City and so much more Other related blog posts/links mentioned in this episode: If you liked this interview with Zero, you may also enjoy episodes 52 and 84 with Tanja Hester from Our Next Life.  Finding Adventure and Happiness on Your Journey to Financial Independence with Tanja from Our Next Life--Episode 52 How To Achieve A Work-Optional Life & Retire Early with Tanja Hester--Episode 84  Check out the Journey To Launch Podcast index here which categorizes all of the Journey To Launch podcast episodes by subject. Now you can binge on your favorite topics or type of episode. Join The Weekly Newsletter List Leave me a voicemail– Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! Watch me on News12  Watch my latest segments on News12 YNAB –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 2 month trial of YNAB, my go-to budgeting app by using my referral link. Connect with Zero: Instagram:@zero2fi Twitter:@zero2fire Connect with me: Instagram: @journeytolaunch Twitter: @JourneyToLaunch Facebook: Journey To Launch Join the private Facebook Group Money Launch Club

Early retirement is one of those things that many people dream about and some do. My guest today is Tanja Hester. Tanja and her husband Mark Bunge were able to retire from formal employment when she was 38, and he was 41. Tanja is now able to devote her life to fun and purpose. She is the author of Work Optional: Retire Early the Non-Penny-Pinching Way. Tanja and Mark have an award-winning financial independence blog called Our Next Life. Tanja also podcasts on The Fairer Cents Podcast with her friend Kara Perez where they explore marginalized and tricky financial topics.  Her new found freedom also allows her to focus on interests like gathering women together to talk about financial independence at Cents Positive retreats and volunteering in her community. She’s also able to indulge her love of traveling the world, and enjoy sports like skiing, hiking, biking, paddling, and climbing around her home in North Lake Tahoe, California. She is basically living the dream. On today’s show, we talk about how she and her husband tracked their progress and timed their leaving work and how they downsized their lifestyle to retire early.  Tanja has researched and explored every aspect of early retirement from the best strategies for saving to redefining your identity without a career. She applies those lessons every day in her work-optional life. She has a regular column on MarketWatch. She’s spoken at Google, Tesla and at conferences around the U.S. She has been featured in the New York Times, TIME, MONEY Magazine, Vice Media, Yahoo! Finance, Forbes, LifeHacker, Bloomberg, Buzzfeed, and media outlets around the world. If you want to learn how Tanja was able to retire early and make it work, this episode is for you.    Highlights from Episode 18 [02:11] Tanja retired early at 38. [02:20] Tanja's definition of retired probably most closely matches the military definition of retired.  [02:40] She feels that things like being able to podcast and write are a privilege, because they don't feel like work. [03:01] When approached with projects, she's more concerned with the fun aspect as opposed to how much it may pay.  [05:01] Every six month period of Tanja's retirement has been different.  [05:31] Tanja was 38, and her husband was 41 when they both retired. Looking back, they would probably have gone a little slower and not been so aggressive with their savings goals and said yes to more things.  [06:18] If they could do it over again, they would have taken more vacation and rested more.  [06:58] They both started out at entry level pay, but they were making six figures before retirement. At the end, they were saving quickly.  [08:01] A micro retirement is more of a career intermission where you take a year or two off. You could also use it as a bridge to a new career.  [09:40] Tanja saw her dad retire with a genetic disability when he was 42. She didn’t want to be powerless and forced into retirement. She wanted to travel, hike and have fun.  [12:01] She developed her love of travel as a kid.  [14:44] Tanja and her husband were die hard index fund investors. They have tax advantaged funds that they can't access until later and then regular investment accounts that they can access.  [18:04] Solid investors have to think about downturns. Good investors need to be mentally tough or not look at things and get emotions involved.  [20:04] The worst thing would be to retire and not have a cushion.  [22:35] They have insurance on the exchange and pay $1000.00 a month.  [24:58] If you want to look into retiring early, track three months of spending and see where your money is going. Then get very clear about what you want to spend. Set up automated saving and investing.  [29:43] When you are watching your savings grow, it's a lot easier to avoid that impulse buy.  [30:43] If you know you're going to retire, think about what you want to do in advance and where you get your identity and community.  [33:28] She’s found ways to do public speaking without having to have a job.  [33:51] Tanja has learned that podcasting takes more time than anyone thinks. She also found that writing her book was more enjoyable than she thought it would be.  [35:35] She's a Top Gun fan!   Links and Resources Work Optional: Retire Early the Non-Penny-Pinching Way Our Next Life ADVENTURES in Early Retirement The Fairer Cents Tanja Hester on Twitter Tanja Hester on Facebook Tanja Hester on Instagram

This week’s show is part 1 of a 2-part series on the wellness industrial complex, and all the ways it manipulates women and makes us poorer. First up, we’re tackling yoga culture in particular, because of how ubiquitous it has become in western society, and just how problematic that is. We talk with Tejal Patel and Jesal Parikh of the Yoga Is Dead podcast about how yoga has been culturally appropriated from its roots in India and from Desi people today, and Tanja draws on her long career teaching yoga to delve into yoga’s problems with economics and inclusivity. Big thanks to Freshbooks for sponsoring season 4 of The Fairer Cents. If you’d like to try their cloud accounting software for free, go to freshbooks.com/tfc and enter “the fairer cents” in the How did you hear about us?   Links from the episode: Yoga Is Dead podcast Yoga Is Dead on Instagram Tanja’s piece on Our Next Life, “How Teaching Yoga Is Like Multilevel Marketing” Yoga Alliance and Ipsos 2014 survey International Association of Yoga Therapists 2004 study The Billfold piece by Jessica Pishko, “Spiritually Bankrupt: How I Went Broke Trying to Teach Yoga” PayScale data on yoga instructor hourly pay Atlantic piece by Rosalie Murphy, “Why Your Yoga Class Is So White” Yoga Journal piece by Rina Deshpande, “What’s the Difference Between Cultural Appropriation and Cultural Appreciation?” “(More) Reasons Why Your Yoga Class Is So White” by Chanelle John on Decolonizing Yoga “The cover shoot that brought me face to face with racism in the wellness industry,” by Nicole Cardoza in Quartz “Jessamyn Stanley and the Yoga Journal Debacle” on Yoga for All Training blog

On today’s episode of The His & Her Money Show, we talk with Tanja Hester from Our Next Life and author of the phenomenal new book Work Optional (Retire Early The Non-Pinching Penny Way), and she shares her secrets to achieving early retirement. She retired at age 38 and her husband at the age of 41.   What You Will Learn In This Episode How you can save money without being a penny pincher You can start the process at any age  How to trick yourself into saving What is your vision What do you want your life to look like How to go through the transition retire process Why you need to track your spending What it means to hide money from yourself How to focus on earning instead of cutting Why all of this is worth it   Episode Shownotes https://www.hisandhermoney.com/Episode395   Today’s show is sponsored by Legal and General America. Legal & General America makes understanding and applying for life insurance easy. Also, agents are standing by to help you determine the best coverage to fit your family’s needs. Visit  HisandHerMoney.com/lgapodcast to get started on your journey toward financial wellness.

Sponsors: Master Your Money Super Bundle: This one’s not a sponsor but an amazing deal and every purchase supports the show. The Master Your Money Super Bundle is a collection of 45 courses, ebooks, printables and videos to help you do better in all areas of your money. Whether that’s budgeting, paying off debt, investing, making more money, whatever. The bundle has over $1200 worth of resources in it but you can get it for only $49.97 when you visit frugalfriendspodcast.com/masteryourmoney Friendship: That’s right - it’s friendship that brings you this podcast today. Obviously. Because friends are the ones you can laugh with, get angry with (as in alongside :)), make bracelets with, start podcasts with, and so much more! Friendship leads to so many great things - try it today! Friendship; the best kind of ship. Notable Notes: What the Internet has to say: This article from Living Well Spending Less gives tips on how to maintain friendships while becoming debt free! What Jen and Jill have to say: Refine how you spend time with others. Good rule of thumb: “If a night out on the town for the two of you costs more than the GDP of a small country, it’s time to scale back your quality time.” Have a heart-to-heart - explain your goals to your friends and how this may impact relationship and make suggestions for how to spend quality time together going forward! Make hard decisions. We like this quote: “You should never kick a friend to the curb over money. However, if you are tempted to overspend or go into debt merely by having a relationship with someone else, you may want to identify whether or not you’re allowing a friend to have too much power over your finances and life.” More from the Internet: This article from Our Next Life takes a different look on this topic and discusses how to build a frugal community, and make new friends based on the common ground of frugality! More from Jen and Jill: We like the tip to look for thematically appropriate meet-ups Send signals through your actions - by living frugally you will most likely attract like-minded individuals BILL OF THE WEEK - Thank you Amarylis for sharing your bill with us! If you want to submit your bill of the week visit frugalfriendspodcast.com/bill to leave us a bill Lightning Round We thought it was important to offer four ways to lose friends and make enemies! 1. Assume they don’t care about their finances - don’t ask them, just assume that because they spend money, it’s not because they feel overwhelmed by their finances, but rather they just don’t care 2. Shame them when they make a purchase you don’t approve of - don’t consider you probably would have made the same purchase several weeks ago, just let everyone know you wouldn’t do it now. 3. Talk only about Dave Ramsey - seriously, only topics from the latest radio show, book, Financial Peace University class, that’s it. Occasionally you can mention Rachel Cruz or Chris Hogan but don’t go crazy. 4. Only advertise your successes - Did you bust your budget? Did an unexpected expense cut your student loan payment? DON’T TELL ANYONE. Only post on social media about how well you’re doing and that God is obviously smiling on you because of your choice to become financially secure Frugal Friends Book Club: We’re finishing up The Soul of Money by Lynne Twist for book club! If you want a free copy, leave us a review on iTunes or Stitcher, screenshot the review and send it to frugalfriendspodcast@gmail.com. We’ll select the winners at the end of the month. See you next week!

Living frugally is a great way to get your spending under control and set a base to improve your personal finances. However, what's the point of cutting every expense and possibly retiring early if you aren't able to put your money to good use on the things you enjoy in life? Tanja Hester is the writer behind the blog Our Next Life and the new book Work Optional, and she's joining us to share her views on how we can be selectively hardcore in our money saving ways but be able to spend on quality items or experiences that align with our priorities. You can find the show notes for this episode at https://maplemoney.com/tanjahester  You may soon find yourself with a big tax refund burning a hole in your pocket. How should you spend it? The smartest thing you can do is invest it. In fact, put it right into your RRSP and get a jump start on your contributions. As a MapleMoney reader, get $10,000 managed for free when you open a new account or transfer your existing RRSP to our sponsor, Wealthsimple. Go to https://maplemoney.com/wealthsimple 

Do you have to penny pinch to even dream of early retirement? What is the 'FIRE' movement and why does it matter? How does planning for early retirement look different than traditional retirement planning? What's the first step in planning for early retirement? Jordan Goodman, host of The Money Answers Show, talks with Tanja Hester about how and why she retired at the age of 38and her book, 'Work Optional: Retire Early The Non-Penny Pincher Way.' Hester and Goodman discuss why the best retirement plans come from the heart and the role of a purpose driven life in long-range planning.

Do you have to penny pinch to even dream of early retirement? What is the 'FIRE' movement and why does it matter? How does planning for early retirement look different than traditional retirement planning? What's the first step in planning for early retirement? Jordan Goodman, host of The Money Answers Show, talks with Tanja Hester about how and why she retired at the age of 38and her book, 'Work Optional: Retire Early The Non-Penny Pincher Way.' Hester and Goodman discuss why the best retirement plans come from the heart and the role of a purpose driven life in long-range planning.

Bobbi reveals her favorite new money books, and how to know if they are right for you. This month’s picks include: The Dumb Things Smart People Do With Their Money. Thirteen Ways to Right Your Financial Wrongs by CBS News Business Analyst and Certified Financial Planner Jill Schlesinger Startup Money Made Easy: The Inc. Guide to Every Financial Question About Starting, Running and Grownup Your Business by Inc magazine Editor at Large Maria Aspan Work Optional: Retire Early the Non-Penny Pinching Way by Our Next Life blogger and podcaster Tanja Hester. For more information, visit the show notes at https://www.bobbirebell.com/podcast/march2019books 

In Ep. 57, Tim talks with Tanja Hester.  Tanja is the creator of the Our Next Life blog, and the author of the recently released book 'Work Optional: Retire Early the Non-Penny-Pinching Way'.  They talk about how Tanja's book outlines ways for people of all living situations to retire early and spend more time doing what they love.  Tanja debunks a few myths about the early retirement/FIRE movement, and how this lifestyle isn't just for the extremely frugal.  Tanja talks about her experience retiring early, and how others can achieve their financial and non-financial goals too!

This week I spoke with Tanja Hester. She is the founder of the Cents Positive Retreat, the Our Next Life blog, and podcast The Fairer Cents. For a person who retired at 38 years old-she's really busy.  To access the show notes go to: https://michelleismoneyhungry.com/tanja-hester   #FIRE #RETIREEARLY #PERSONALFINANCE

New Year, New Financial Goals! In this episode Gwen and J receive voice messages and emails from people in the community talking about their financial goals for 2019. We also hear Gwen's achievements and goals for the year coming, as well as J's exciting news about her house and her financial plans. You'll love this little chat. We also chat about... 2018 side hustle recap The comfort of having a paycheck Voicemails from other bloggers Gwen and J's financial goals Up and coming for 2019 Enjoy this chat with Gwen and J, and please subscribe to us in iTunes if you enjoyed it! Show notes and links from today's episode Mad Fientist Spreadsheet FIRE Drill Facebook Group Tanya's Our Next Life blog Donate to Uriah Etsy Mastermind Episode: How to Create Passive Income from Etsy Digital Products Mad Fientist episode with J's husband: How to Get Fit (And Actually Enjoy it) The FI Show A Purple Life YNAB ChooseFI Blatimore Tanya's book: Work Optional Episode: Saving 70% of Your Income to Be With Your Kids Fly to FI MK's book: Enemies of the Peace Key takeaways from the chat between Gwen and J 1 - Having a paycheck can be a huge relief Gwen tells us that she received her first paycheck at her new job, and how relieved she is to be making good money again. Thanks to her new job, she now has health insurance and doesn't have to worry about breaking bones, and can now also afford therapy. Gwen realised that thanks to having a normal monthly paycheck she can enjoy life again and really enjoy the journey to FI. She plans on doing a stand up comedy course, on looking for a good place to live and putting money into her HSA. 2 - Your financial goals for 2019 We got tons of messages with everyone's 2019 goals! For James, 2018 was the year of discovery, so 2019 is the year of side hustles. Heidi will continue on her debt free journey all through out 2019, and Josh plans to max out his Roth IRA. Mary Kate is on a roll with clients through her new side hustle, and Chad is aiming for a 20% savings rate along with paying off his Chase card. Yvonne wants to learn the fundamentals on how to close a real estate sale and is aiming to save $100,000 in 2019 (wow!). Jenny wants to increase her 401k contributions, learn about real estate and work on some local causes she believes in. Some amazing goals for 2019! 3 - Some expert budgeters give advice Gwen tells us she budgets her after tax income from the month, and then extrapolates over the year. She tracks spending and translates that into an accurate looking budget. She's decided this year to not be so aggressive on keeping her expenses low and wants to have more fun. J also isn't keen on keeping a strict budget and uses the 'save first, spend the rest' method. The FI Show explain the magic of local deals and using your freezer to store meat. A Purple Life tells us that her annual budget is based on the realities of last year. She uses YNAB to keep track and makes sure to not feel too restricted. Other bloggers tell us how they use envelopes, different accounts and cash to manage their money. Some pretty great tactics and strategies! Questions? Like or dislike? Leave us a comment! Want to support the podcast? Here are three things you can do. 1. Start tracking your net worth with Personal Capital using our link. It's free. 2. Subscribe to our YouTube Channel and get one extra LIVE episode from us per week. 3. Join our Facebook group and connect with other members of the FI community.

Ever dream of retiring early? Or just having enough in the bank so you can truly live a life on your terms? We’re looking back at the year and we had quite a few individuals on So Money in 2018 who are part of the so-called FIRE movement, have you heard of this? It stands for Financial Independence Retire Early. Now, just to be clear - because I know there is a bit of back and forth on what this actually entails- from my understanding and having interviewed so many people who are a part of this movement, retiring early does not mean quitting working, it just means you’re not tethered to your 9 to 5, you’re not working a job that you don’t love. You may be still making money even though - but you’re doing it on your terms. One of our guests this year from episode 687 was Tanja Hester, who arrived on the podcast having just retired and she’s not even 40 years old. After saving half of her income for years, she and her husband finally reached financial independence at the end of 2017. They left their careers and currently are enjoying outdoor life in Lake Tahoe. Along the way Tanja started a blog called, Our Next Life, to document the couple’s journey and she does monetize this so herein is how she’s making her early retirement money. But here’s the beginning of our interview when Tanja shared the specifics behind how she arrived at early retirement.  Also mentioned in this episode: Mrs. Frugalwoods, Vicki Robin and Andy Hill

Tanja and Mark from Our Next Life have been rocking early retirement. As recent early retirees at the ages of 38 and 41 they share how their next life is one filled with intentionality and purpose, without a single trace of boredom. They bring a unique perspective as having now walked the path they envisioned. With this comes insightful thoughts about the FIRE community and the larger society as a whole. Give these two a listen and we promise you that your world will be broadened.   You can find the shownotes for this episode at hisandherfi.com/17

Should financial bloggers and financial podcasters who tout that they're "retired" share the WHOLE story with their audience? Plus, if they're managing a successful blog or podcast, how "retired" are they actually? Additionally....does it matter to a reader or listener if the writer/podcaster is actually retired, if their information is on point? We'll tackle a great article on this topic from Tanja Hester from the Our Next Life blog with our special guest, CFP Dana Anspach from SensibleMoney.com. We'll also say hello to Tiller CEO Peter Polson in our Friday FinTech segment, who shares some BIG changes to his company's spreadsheet budgeting and money tracking apps. Then we'll answer a question from a listener about investing, worry over Doug's trivia, and more. Thanks also to MagnifyMoney.com for sponsoring Stacking Benjamins. MagnifyMoney.com saves users on average $450 when they compare, ditch, switch and save on credit cards, student loan refinancing, checking, savings and more. Check out MagnifyMoney.com for your savings. Thanks to Away for supporting Stacking Benjamins. Go to Awaytravel.com/sb and use the promo code sb to get $20 off a suitcase!  

One of the best things about the journey to Financial Independence is that while planning for early retirement, it is not always a requirement to forsake your other life goals. Tanja Hester, the blogger behind the Plutus Award-winning early retirement blog, Our Next Life, set out on the journey with her husband Mark to retire at the end of 2017. Our Next Life, places a huge focus on putting life goals first and then building money goals around them–not the other way around. In fact, Tanja Hester became financially independent at the age of 36 and retired early at the age of 38, all despite never being a super saver or even naturally good with money. Tanja has graced the show with very practical advice for all journeyers at any place on the path to FI.  In this episode we discuss: What caused her to start the path and how she managed to keep it a secret from her job What retirement actually means to her Health considerations for someone looking to retire early Tanja’s blog post, "What FIRE bloggers owe their readers" Practical advice for people who want to start or who are on this path Advice for high earners vs mid-low earners At the end of the podcast, I also talk about the waitlist to the soft launch of my monthly membership program. Get monthly tips, tools, and classes to help you launch to Financial Freedom. Click here to sign up and be the first to be notified when the doors open in Summer/Fall 2018. Other related blog posts/links mentioned in this episode: Our Next Life Blog The Fire Blogger Manifesto Join The Weekly Newsletter List Leave me a voicemail– Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! Watch me on News12  Watch my latest segments on News12 My One on One Money Coaching Services – Get my personalized 1on1 money coaching expertise to help you reach your financial goals YNAB –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 2 month trial of YNAB, my go-to budgeting app by using my referral link. Connect with Tanja: Instagram: @our_nextlife Twitter: @our_nextlife Facebook: Our Next Life Connect with me: Instagram: @journeytolaunch Twitter: @JourneyToLaunch Facebook: Journey To Launch Join the private Facebook Group

Today, I’m interviewing Tanja Hester, who has been retired now for just a couple months. Here’s the thing, though, she’s only 38 years old. Tanja and her husband both worked as political consultants making six figures each. Both of them loved their work and found it fulfilling. However, after watching her father lose his mobility early in his life due to a degenerative neuromuscular disability, Tanja realized she could have the same fate. So, she decided to spend her able bodied years hiking, traveling, and enjoying all the world had to offer --- away from the office. After years of saving half their income, Tanja and her husband finally reached financial independence. At the end of 2017, they left their careers and are currently enjoying outdoor life where they live in Lake Tahoe. Along the way, Tanja started a blog called Our Next Life to document her journey. It now gets over 150,000 page views every month and even earned her the 2017 Plutus Award, the top honor in the personal finance community, for one of the best blog. We’ll talk about her journey, her blog, and how someone who is NOT naturally a saver or naturally frugal she says to retire before 38 and not have to work another day in your life. You can visit Tanja at ournextlife.com or follow along on Twitter @our_nextlife. To learn more visit www.somoneypodcast.com.

Tanja from Our Next Life is a blogging celeb these days.(Show notes and takeaways here: https://doyouevenblog.com/podcast/tanjaNevermind the fact that she was 100% anonymous for years. Nevermind the fact she's only just begun to monetize her blog a little bit. Doesn't matter.She's built up an incredibly tight-knit and loyal community of followers and proven herself as a top-tier writer (and podcaster!)How?She follows a simple framework of helping people with authentic, honest, and transparent content, and has put for the work necessary to build valuable (but really just organic and "human") relationships.She has a TON of wisdom to add (and she's also really, really good in audio format...hence The Fairer Cents Podcast)We chat about:What needs to be talked about in the blogosphere? What aren't we talking about (this is good)Sexism in the workplace, and in bloggingPRO TIPS for being an anonymous bloggerHow long-term relationships are possibly the biggest blogging "hack" or "secret."Enjoy the episode!

Retiring early isn't just for the privileged and doesn't have to be a daydream you refer at your 9 to 5 grind. You can actually retire if you have a plan to get you there, and Tanja from Our Next Life shares how her and her husband were able to do it. Long description: Ever since I connected with Tanja from Our Next Life about a year ago, I was waiting for the opportunity to have her on my show. But for most of the year she was an anonymous blogger. You see, she was waiting to reveal herself until she was able to hand in her notice at her job so her and her husband could retire early. Well, she’s handed in her notice and is set to officially retire early this January. I know, I know, this sounds like a dream most of us have had while putting in those long hours at our day jobs. But what’s awesome about my interview with Tanja is she discusses how her and her husband were able to do it. And they didn’t go to any extremes to reach their goal. They didn’t sell all their things or sacrifice their present happiness and comfort to reach tomorrow’s goal of financial independence. Besides sharing the steps she took to be able to retire early (in her 30s!), she also shares the book that inspired her to take this journey. It’s called How to Retire Early by Robert & Robin Charlton, and it’s a book she highly recommends if anyone wants to learn more about how to make a solid plan to retire early. I know I’m definitely going to check it out, because achieving F.I.R.E. is definitely one of my new crazy big life goals! And if Tanja can do it, really anyone can do it! Learn More About Tanja Sign up to Tanja’s email newsletter Check out Tanja’s recommended resources Read Tanja’s 10 Questions to Retire Early Learn about Tanja’s steps to achieving FIRE Follow Tanja Follow Tanja on Twitter Like Tanja on Facebook Check out Tanja in Instagram Follow Tanja on Pinterest For full episode show notes, visit https://jessicamoorhouse.com/133

Introducing The Fairer Cents, a podcast hosted by Tanja Hester of Our Next Life and Kara Perez of Bravely, that's all about the deeper stuff that impacts women, our money and our fight to get equal. This isn't a typical personal finance podcast -- we're not here only to cheer each other on with shallow epithets like "You go, girl!" and leave it at that, or to teach you how to save money at the grocery store. Instead, we want to understand together what we're truly up against, and hear from women whose stories don't often get told. If you're game to get real about money while taking down the patriarchy, then this is the podcast for you. Subscribe now! 

Ms. Our Next Life and her husband have been blogging about their path to financial independence. The day we recorded her interview was actually the day she “outed” herself on her blog and officially stopped blogging anonymously. We talk about that and her post FI plans which she plans to enact at the end of this year. My biggest takeaway is that Financial Independence - like any goal - is a possibility for anyone and if you decide to make it a goal for yourself, just remember that your vision of Financial Independence will look different than other people’s. But I highly encourage you to start laying out the plan now for how you get there. Notes for this show can be found on my blog, http://financially-blonde.com. If you have any topics you would like for us to talk about during happy hour, please feel free to email me to shannon@finblonde.com or tweet to me @Blonde_Finance or join the private Martinis and Your Money Facebook group and let us know. 

046R | In today's podcast we discuss our takeaways from Episode 46 with Ms. ONL from Our Next Life plus community feedback and voicemails and a discussion of travel rewards. In Today’s Podcast we cover: A recap of Episode 46 with Tanja from Our Next Life Brad and Jonathan are on their way to Fincon – the annual financial bloggers conference Jonathan’s upcoming trip to South Africa with his family using travel rewards points Tanja’s reveal of her identity after being anonymous for the entirety of the blog’s life What do you want out of life and how are you going to approach that question in the leadup to FI? The ‘internet retirement police’ and people making money in early retirement ‘We are some of the luckiest people in human history’ as Tanja described The safety Mr. and Mrs. ONL have built into their FI plan The different stories and plans our various guests have and how there is no ‘one size fits all’ plan for Financial Independence How they are selectively hardcore about certain things like their heating bill Corrections and feedback from episodes 43 and 43R Updates on Mega Backdoor Roth options including feedback from William Brad’s feedback on Keith from The Wealthy Accountant’s thoughts on the Mega Backdoor Roth and the Roth IRA conversion ladder going away Discussion of Roth versus traditional IRA and marginal tax brackets plus info on the Earned Income Tax Credit Email from Giselle from our ChooseFI community and her question about spending now versus the future and frugality versus enjoyment Brad and Jonathan’s response to Giselle about how we view the path to FI as a positive and gives us more control over our lives Giselle’s question about using travel rewards points for a 2 week trip to Europe and when to get started and how to avoid issues with mileage expiration Voicemail from community member Joel listing all the incredible changes he has made since finding the ChooseFI podcast Itunes review and book giveaway Links from the show: Our Next Life Get Rich Slowly The Wealthy Accountant The Frugal Professor Frugalwoods

046 | In today's podcast we have a wide-ranging conversation with Ms. ONL from Our Next Life on her decision to stop being anonymous on the blog to what their journey looked like to FI plus what they expect life to be like after FI and much more. In Today’s Podcast we cover: A financial independence discussion with Ms. ONL from Our Next Life The big reveal: Their names are Tanja and Mark What does it feel like for them to come out behind the veil of anonymity? Why have they been so strict about remaining anonymous? How do they view the concept of early retirement? How they can pursue the aspects of their jobs that they still enjoy How is early retirement different than working for yourself? One of the best parts of early retirement is that you can try so many different things Their friends and family are extremely supportive of their early retirement plans Finding their ‘why’ behind early retirement A discussion of how silly the notion of being “bored” in early retirement truly is The Endless Winter: Following the snow to ski for an entire winter How they try to save money on their heating costs How difficult the transition could be from working to not working and to mentally prepare yourself in advance for life after retirement How to mentally prepare yourself for future situations with “disaster drills” The value of finding progress in difficult things in life The questions you need to consider when pondering early retirement: How will you support yourself or your family without a job? They do not plan to tap their tax deferred items before 59.5 How they projected the amount they need to reach Financial Independence What is your backup plan for dealing with financial emergencies? The value of insurance and especially umbrella insurance How will you get healthcare? How your income impacts your health care subsidies and the consideration of FI strategies How will you keep your body and mind healthy? What will a day look like for them in retirement? The importance of community in maintaining a healthy balanced life