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In this solo "10 Things" episode of the Earn and Invest podcast, host Doc G outlines ten ways he and his wife manage their wealth that completely defy the traditional rules of the personal finance and FIRE (Financial Independence, Retire Early) communities. Learn more about your ad choices. Visit megaphone.fm/adchoices
El movimiento conocido como FIRE (Financial Independence, Retire Early), que propone alcanzar la independencia financiera para retirarse entre los 35 y 44 años, ha generado un intenso debate sobre si el costo de esta libertad es, en realidad, una vida "miserable". Para lograr este objetivo, sus seguidores adoptan medidas de ahorro extremo que incluyen compartir vivienda, evitar cualquier gasto en ocio, usar electrodomésticos hasta que dejen de funcionar y trabajar en el extranjero en condiciones precarias para maximizar ingresos. Sin embargo, voces críticas en el programa señalan que este estilo de vida puede derivar en "jubilarse sin ganas de vivir", ya que implica sacrificar los mejores años de la juventud y las relaciones sociales por un futuro que, debido al aumento constante de la edad de jubilación y la precariedad laboral actual, parece cada vez más utópico.
On this week's episode of the Who Are You? Podcast we welcome back Bruce Breedlove, founder of Align Money Mastery. We get into what people most commonly waist money on, how he has been able to help almost 200 family get out of debt and start saving for retirement, why pensions are not actually as good of a retirement plan as people may think, we both speak about how finances are not taught in school, how the economy is not the reason you are not saving money, He breaks down how it is still possible to retire early than your 60s, how he has been able to grow his company in a short amount of time and so much more!For more on Bruce and Align Money Mastery check out the links belowInstagram: https://www.instagram.com/thatrealbrucelee/Website: https://www.alignmoneymastery.com/Make sure to turn on your notifications so you don't miss an episode, please share the episode, leave a like, a review and a 5-star rating. All those things help the podcast be seen by more people!For all questions, business inquires or are interested in being on the show please reach out to: whoareyoupod@yahoo.comFor all updates and information about the podcast:Instagram: https://www.instagram.com/whoareyoupod/?hl=enFacebook: https://www.facebook.com/profile.php?...TikTok: https://www.tiktok.com/@who.are.you.podcaYouTube: https://www.youtube.com/@whoareyoupodAll other audio links: https://linktr.ee/Whoareyoupod#whoareyoupodcast #jacksonville
What if the biggest risk in your portfolio isn't a crash, a recession, or even inflation, but the very human urge to believe that whatever just worked will work forever? Bill and Jackie sit down with Ben Carlson of A Wealth of Common Sense and Animal Spirits for a market-history masterclass that somehow manages to be equal parts calming, nerdy, and deeply practical. This one is for anyone who's ever stared at their portfolio, read one scary headline too many, and wondered whether simplicity still works. Ben's answer is basically yes—but only if you understand the risks, respect your own behavior, and build a portfolio you can actually stick with. This episode covers: Ben Carlson's "Bob" thought experiment and why even terrible market timing can still work out over the long run Why dollar cost averaging often beats waiting for the perfect entry point The psychology of lump-sum investing versus spreading money out over time What inflation looked like before World War II versus in the modern era How to think about inflation through a personal-finance lens, not just an investing lens Why housing, transportation, income growth, and stocks are major inflation defenses What Japan's lost decades teach us about home-country bias and international diversification Why diversification matters even more in retirement because of sequence-of-returns risk How to think about bonds, cash, duration, and risk tolerance in a more nuanced way . === SUPPORT THE SHOW ===
Don't want to wait until 65 to retire? With a combination of rental properties and some of the other investments we're covering on today's show, you may not have to. Whether you're starting from zero or diligently building your nest egg, use these eight steps to build a diversified portfolio and reach financial freedom much faster! Welcome back to the Real Estate Rookie podcast! Today Ashley and Tony are pulling back the curtain on their actual retirement plans—what they're doing, why they're doing it, and what they wish they'd known sooner. They share how they first got into real estate investing and how they've adjusted their portfolios over time. They also break down the investment “order of operations,” a sequence of financial moves that will help you build long-term wealth! Along the way, we'll get into things like the 401(k) employer match, the triple-tax-advantaged HSA account, and the often-misunderstood 529 college savings plan. Whether you want to gradually step away from your W-2 job or simply have “enough” when you reach traditional retirement age, this episode gives you a clear roadmap for achieving your long-term financial goals! Check out more resources from this show on BiggerPockets.com and https://www.biggerpockets.com/blog/rookie-741. Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email advertise@biggerpockets.com. Learn more about your ad choices. Visit megaphone.fm/adchoices
What if "legacy" looks completely different when there are no kids in the picture and that difference actually unlocks a freer, more intentional version of FI? In this thoughtful crossover between Childfree Life by Design and Catching Up to FI, Dr. Jay and Bill sit down for the kind of conversation most money media skips: what happens after you hit the number and realize the bigger question is no longer "Can I retire?" but "What am I retiring to?" It's philosophical, personal, a little messy in the best way, and exactly the kind of episode that reminds listeners that FI is not the finish line. It's the moment when the real design work begins. This episode covers: The "fog of FI" and the identity shift that can come after reaching financial independence The childfree midlife crisis and why "now what?" hits harder than many expect Legacy beyond lineage and how childfree people often redefine impact Why it is more important to know what you are retiring to than what you are retiring from The tension between purpose, freedom, and drifting after hitting major goals Health span, lifespan, and why time becomes more valuable once money pressure drops How giving, service, and creativity can become the next chapter after FI Why books, podcasts, and numbers alone cannot answer life-design questions The difference between being rich on paper and living a truly wealthy life Why underspending and over-optimizing can become their own retirement risks . === SUPPORT THE SHOW ===
Send us Fan MailIf delayed claiming of Social Security benefits is such a great deal, why do only about 4% to 9% of Americans actually wait until age 70 to collect Social Security? Are the other 91% of Americans ignorant of this strategy, or is there some better process?Here's the podcast for the 91% of Americans who don't wait until age 70 and are shamed by the media for their decision.If you'd like to be a part of a free online retirement community, join us on Facebook: https://www.facebook.com/groups/399117455706255/?ref=share
We're thrilled to welcome our newest partner to The Lifestyle Practice — Dr. Raheel Haider! In this episode, Derek Williams, Matt Vogt, and Steve Van De Graaff sit down with Raheel to talk dental practice ownership, financial freedom for dentists, and the mindset shifts that took him from a burned-out associate with imposter syndrome to a confident practice owner growing his dental practice 50% in under a year. Raheel shares his journey from growing up in Dallas, Texas, with immigrant parents who pushed dentistry as "the way out," to discovering personal finance and financial literacy in college after a missed car payment wrecked his credit score. He walks through his dental school strategy at UNLV, why he prioritized clinical volume over grades, how he found and negotiated his first dental practice acquisition, and the exact playbook he used to grow collections without adding new procedures — renegotiating insurance, fixing front desk phone answer rates, and pricing corrections. If you're a dental student, associate dentist, or practice owner interested in dental practice ownership, financial independence for dentists, or scaling a dental practice through better systems (not more chairside hours), this episode is packed with practical lessons. Connect with Dr. Raheel Haider:
Bill jumps into a last-minute solo conversation with Rebecca Herbst of Yield and Spread for a surprisingly energizing deep dive into generosity, guilt, and what happens after the finish line of financial independence. Rebecca shares how hitting FI at 32 did not lead to endless victory-lap bliss so much as an identity jolt: if money is a tool, then what is it actually for? This episode covers: Why Rebecca felt guilt, not just freedom, after reaching FI at 32 How giving can be framed as money, time, or skills—not just writing checks Why generosity is a habit and a muscle, especially for lifelong savers The surprisingly small impact that a 1% giving rate can have on your FI timeline How "effective giving" applies investing-style thinking to charitable impact The difference between reactive emotional giving and proactive intentional giving Tax-smart giving tools like appreciated securities, donor-advised funds, and QCDs Why the FI community may be uniquely positioned to normalize bold generosity How giving can become part of a "life portfolio," not just a side project References & Resources Mentioned . === SUPPORT THE SHOW ===
Everyone tells you leaving a job is a math problem: runway, comp, the next offer, the spreadsheet that finally tips. But most people who ask "how do I know when it's time?" have already answered the question. They just haven't let themselves hear it yet. In this episode, Rodney and Sam get personal, both are in the middle of their own transitions, and unpack what it actually takes to leave well. They dig into the difference between the best days, the worst days, and the average day that actually tells you the truth; why your body tends to figure it out long before your brain does; and why leaving of your own volition is often better for your mental health than running out the clock. -------------------------------- Ready to change your organization? Let's talk. Get our newsletter: Sign up here. Follow us: LinkedIn Instagram -------------------------------- Mentioned references: Sky and Midnight Zones "layoffs episode": BNW Ep. 152 EOT (Employee-Owned Trust) "ways of working episode": AWWTR Ep. 50 Dual Transformation: AWWTR Ep. 43 "Gareth": BNW Ep. 5 with Dr. Gareth Holman FIRE (Financially Independent, Retire Early) "10% of Americans don't have enough food" Sound engineering and design by Taylor Marvin of Coupe Studios.
What if the person inspiring the room didn't come from a polished finance background at all, but from payday loans, being unbanked, a credit score in the 500s, and the kind of rock bottom most FI stories rarely admit out loud? In this on-location episode from Madison, WI, Jackie sits down with Afra Smith, founder of The Melanin Project and creator of the Wealth Empowerment Conference, for a conversation that is as honest as it gets. She's a late-starter and shares how depression, financial chaos, and a painful career setback forced her to finally confront what wasn't working. She shares how one financial coach, one budget, and one decision to stop waiting for someone else to rescue her changed the direction of her life. From there, she built something much bigger than a comeback story. It's now a growing movement centered on financial wellness, lived experience, and giving people the tools to rebuild from where they actually are. Her raw truth is proof that your hardest chapter does not have to be your final one. This episode covers: Afra's journey from payday loans, ChexSystems, and depression to financial stability The career disappointment that became her wake-up call How one financial coach and a basic budget started her turnaround Why financial struggles in underserved communities are often deeper than "just spend less" The origin of The Melanin Project and the Wealth Empowerment Conference Why lived experience and emotional honesty matter in financial education The link between mental health, physical health, and wealth-building How Afra built a meaningful community event while still working a full-time job Why consumption habits and appearances can distort how we judge wealth and value What it looks like to turn pain into service and purpose . === SUPPORT THE SHOW ===
Could an Etsy shop earning $200–$1,000 per month be worth more than you realize? In this episode, Cody and I discuss the surprising power of passive income, investing, and the role Etsy can play in building long-term wealth. Drawing from his FIRE (Financial Independence, Retire Early) background and his new book Retire by 30, Cody explains why you don't need a six-figure Etsy shop to change your financial future—and how even modest monthly profits can create meaningful freedom over time. **"How to Sell Your Stuff on Etsy" is not affiliated with or endorsed by Etsy.com STUFF I MENTIONED: Get Cody's Book: Retire by 30: https://amzn.to/4xmoRlv Join EPrintables for our private launch: https://lizziesmiley--gold-city-ventures.thrivecart.com/private-enrollment/ Joining Scaling Society (get $50 off your first month with code 50SCALE): https://www.howtosellyourstuff.com/scaling-society ⭐ FIND GOLD CITY VENTURES: Instagram: @GoldCityVentures Check out Cody's previous appearances on the podcast: Ep 226 | How Cody Scaled a $1K Printable Shop to $4K in 30 Days -with Gold City Ventures Details: https://www.howtosellyourstuff.com/blog/226 Ep 199 | How to Start Selling Printables for the Holidays Details: https://www.howtosellyourstuff.com/blog/199 Ep 147 | Side Hustle Guy Commits to Etsy Printables After Earning $700 in One Week Details: https://www.howtosellyourstuff.com/blog/147 Ep 121 | Create a Passive Income Etsy Shop with Trending Digital Products Details: https://www.howtosellyourstuff.com/blog/121 Ep 101 | How to Create Passive Income with Digital Products Over the Holidays Details: https://www.howtosellyourstuff.com/blog/101 Ep 74 | Secrets to Creating a Passive Income Stream selling e-Printables Details: https://www.howtosellyourstuff.com/blog/how-to-create-digital-products-to-sell Episodes with Cody's Business Partner Julie: Ep 175 | 5 Growing Digital Product Niches Details: https://www.howtosellyourstuff.com/blog/175 Ep 35 | Create a Passive Income Selling Printables on Etsy Details: https://www.howtosellyourstuff.com/blog/Sell-printables-on-etsy HOW I HELP ETSY SELLERS GROW: ⭐Scaling Society: https://www.howtosellyourstuff.com/scaling-society ⭐"How to Blow Up Your Etsy Shop" free training: https://www.howtosellyourstuff.com/interested-in-blow-up-shop ⭐Trendspotting: https://www.howtosellyourstuff.com/trendspotting ----------------------
Every financial decision you make either moves your retirement closer or pushes it further away. Here is the exact math and plan to retire in 10 years or less.
An investor works really hard to live off a side hustle, maximize saving, minimize spending, and retire by 25. Sounds great, right? Today, Paul and Jim challenge the idea of the FIRE (Financial Independence, Retire Early) movement and what happens when you put financial independence as your ultimate objective. Paul explains that FIRE retirees may open themselves up to a life in which they miss personal milestones, worry about shrinking portfolios, and struggle to find work because they don't have an active work history. Listen along as Paul helps you see the full picture around purpose, work, and money, and why the FIRE movement could seriously backfire. Later in the episode, Paul warns investors that advisers are putting private equity in portfolios because it's a trendy new option without explaining the risks to you. Want to cut through the myths about retirement income and learn evidence-based strategies backed by over a century of data? Download our free Retirement Income Guide now at paulwinkler.com/relax and take the stress out of planning your retirement. This material is for general educational purposes only and is not personalized investment, financial, tax, or legal advice. Past performance does not guarantee future results. Nothing here is an offer, solicitation, or recommendation for any security or strategy. All financial decisions involve risk, and you should consult qualified professionals before acting on this information. Advisory services offered through Paul Winkler, Inc., an SEC-registered investment adviser.
Can gay men successfully retire early? A lot of gay men tell us the same thing:“I want to retire early.”Or, let's be honest, “I want to retire yesterday.”But then comes the panic: “I don't know if I have enough.” “I don't know how much money I actually need.” “I don't know how to get from here to there.”And this is where most retirement advice makes everything worse. It tells you to chase one giant magic number: $2 million, $3 million, $4 million, or whatever number makes you want to close your laptop, pour a cocktail, and think about it later.But early retirement usually isn't about one giant number. It's about having the right money in the right places at the right time.In this episode of Queer Money, we're talking about how gay men successfully retire early by using five tactics that can speed up your retirement timeline, reduce panic, and help you design a retirement that actually fits your life.Because for gay men, retirement planning is not just about money. It's also about time, health, freedom, safety, location, relationships, and whether you really want to keep working under fluorescent lighting until Medicare shows up.Takeaways from this episode:Why chasing one giant retirement number can sabotage early retirement planningHow to calculate your gap number and your bridge numberWhy early retirement is about income sequencing, not just accumulationHow to build an income bridge before you leave workWhy taxable brokerage accounts, Rule of 55, 72(t), Roth conversions, and cash may all matterHow early retirement can create a powerful tax-planning windowWhy your health should be treated as a financial assetWhy working “just a few more years” is not always freeHow to stress test your retirement plan before you leave workWhy gay men may need to design retirement more intentionally than the traditional advice suggestsThe bigger truth? Early retirement is not always about having more money. Sometimes it's about making better decisions with the money you already have.If you want help understanding your numbers, your timeline, and your next steps, schedule a Queer Money Retirement Readiness Review at the link in the show notes.We'll help you look at where you are, what you have, what you want, and what steps may help you retire early, retire abroad, or simply retire better.Stay fabulous, not fabulously broke.Mentioned in this episode:What if your portfolio came with a visa and passport?That's exactly what the Optimize Portugal Golden Opportunities Fund can do, bringing together diversification, tax efficiency, and a path to EU residency and a passport. Click the link below to explore your ticket to Europe.Get Your Portugal Golden Visa Here!Portugal is calling. Will you answer?Don't just dream of moving to Portugal, make it happen with the investments in your IRA. Investing in Portugal gets you residency, the ability to work in Portugal and returns that just may outpace the U.S. like the Optimize Portugal Golden Opportunities fund did in 2025. Get Your Portugal Golden Visa Here!
What if the smartest legacy move isn't leaving your kids a pile of money someday, but using your wealth right now to help them buy time, build habits, and change their future while you're still here to watch it happen? We sit down with Allen Mueller of 7 Saturdays Financial for a practical, deeply useful conversation about gifting to family with intention. The thread running through all of it is simple: money is not just for accumulating. It's for strengthening the people and values you care about most. This episode covers: Why gifting during your lifetime can be more impactful than leaving a larger inheritance later The difference between a tax threshold and a paperwork threshold for gifts How the annual gift exclusion really works Why many retirees underspend and unintentionally miss chances to help family now Smart ways to fund kids' and grandkids' futures through 529s, custodial Roths, and brokerage accounts How to think about gifting for college, healthcare, and home down payments Why "skin in the game" still matters when helping younger family members How appreciated shares can be gifted downstream or upstream for tax advantages Why wisdom and stewardship matter more than simply transferring money How FI can turn parents and grandparents into real-time wealth builders for the next generation . === SUPPORT THE SHOW ===
Cette vidéo explore le mouvement FIRE (Financial Independence, Retire Early) et le frugalisme, deux approches visant l'indépendance financière et la retraite anticipée, généralement avant 40 ou 50 ans. Elle détaille les stratégies utilisées pour y parvenir : investissement en bourse via les ETF indiciels, investissement immobilier locatif, optimisation de l'épargne et réduction des dépenses. Elle aborde également les fondements théoriques de la retraite par capitalisation, le calcul du capital nécessaire pour vivre de ses revenus passifs (taux de retrait, règle des 4%), ainsi que les limites et risques de ce mode de vie. Une ressource pour comprendre les mécanismes de l'indépendance financière, de l'investissement passif et de la planification de la retraite anticipée.═══════════════════
Send us Fan MailI started taking RMD‘s two years ago. RMDs may be straightforward, but the decision is not! Since taxpayers with a qualified retirement plan normally take RMD‘s, there are questions concerning timing and best strategies once RMDs are required.If you'd like to be a part of a free online retirement community, join us on Facebook: https://www.facebook.com/groups/399117455706255/?ref=share
What if the smartest move on your road to FI isn't buying a bigger house, but shrinking the footprint, clearing the clutter, and finally designing a life that actually fits? In this episode, we sit down with Sarah Susanka, the architect behind the bestselling "Not So Big House" movement. We talk about what happens when you stop building for appearances and start building for how you really live. Sarah shares how growing up in England, then landing in car-centric suburban Los Angeles made her question why Americans kept buying "hamburger bun but no hamburger" houses full of unused rooms. This episode covers: Sarah Susanka's origin story and how suburbia pushed her toward architecture The difference between building bigger and building better Why unused rooms are the housing version of lifestyle bloat - How right-sizing a home parallels right-sizing a life The design power of light, ceiling height, flow, and multi-use space How small architectural moves can create huge changes in mood and function Why old thought patterns can clutter a life just like unused rooms clutter a house The connection between beauty, sustainability, and building things that last How Bill used Sarah's ideas in his own home design and life redesign Why intentional design matters even more for late starters making a reset spaces. . === SUPPORT THE SHOW ===
Overweighted S&P 500. Accidental landlords. Early retirement in Japan.
What if the fastest way to understand women's financial power isn't another lecture, but a trivia game that quietly reveals how recent, fragile, and still unfinished so much of women's economic progress really is? In this special "Sheconomy" quiz-show episode, Jackie and Bill join Janine Firpo and financial planner Sarah-Catherine Gutierrez for a lively game show. They move from Equal Pay Day and credit-card rights to why women often outperform men as investors, why female-led companies and firms still get shut out, and what could happen if women intentionally shifted even a slice of their wealth toward their values. The tone is playful, but the message is serious: money is power, and women stepping into that power changes families, businesses, markets, and maybe the whole economy. This episode covers: The surprising timeline of women's financial rights in the US What Equal Pay Day reveals about how far women still have to go Why women often outperform men as investors How overconfidence and overtrading hurt returns Why women-led businesses still receive a tiny share of venture capital The rise of advice-only and flat-fee financial planning models What values-aligned and ESG investing actually mean Why women's money choices can reshape markets and communities How much wealth women are expected to control in the coming years The collective impact women could have by shifting capital intentionally . === SUPPORT THE SHOW ===
Send us Fan MailJoin Sarah Thompson and me as we discuss in detail her experiences with ill and aging parents.If you'd like to be a part of a free online retirement community, join us on Facebook: https://www.facebook.com/groups/399117455706255/?ref=share
You don't need a big, expensive, stressful rental property portfolio to retire on your terms. Today's guest was able to leave her W-2 job in her late 30s, all thanks to a small, smart rental property portfolio. Most people think they need a dozen (or more) doors to reach a level of “freedom” that lets them walk away from their job. Lucy Hinds did it with half that amount. Did we mention she only started investing in 2022? After deciding that jumping out of airplanes for the Army was where Lucy wanted her excitement from, she decided to tackle her debt ASAP. But this former Dave Ramsey disciple quickly became a real estate debt enthusiast, buying three rental properties in three months, all using equity from her personal residence. From there, Lucy continued to scale until one day she decided she could step away from her job. The best part? She had only a handful of rentals at the time, but they'd cover her living expenses, giving her the freedom to do what she wanted with her days. Discovering her “enough” led to her early retirement, with far fewer rentals than most people think is possible. Think you're still decades away from retirement? Lucy proves that even in this market, a few rentals can go a long way. In This Episode We Cover How to retire (early) with fewer rental properties than you think Using your home equity to fund your first (or your first three!) rental properties Scared of taking on debt for real estate? How Lucy switched from the zero-debt mindset to scaling with rentals Cash flow even at 7% interest rates? It's still possible, and Lucy is proof! Pay off a rental property vs. your primary residence: why one can “free” you far faster And So Much More! Check out more resources from this show on BiggerPockets.com and https://www.biggerpockets.com/blog/real-estate-1288. Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email advertise@biggerpockets.com. Learn more about your ad choices. Visit megaphone.fm/adchoices
Two retirees. Same portfolio. Same returns. One ran out of money at 87. The only difference was when the bad years hit. Here is how to make sure you are not the unlucky one.
What happens when women in the financial independence community finally get a room of their own and use it not just to talk numbers, but to unpack the invisible stuff they've been carrying for years? In this on-location episode, Jackie takes us inside the Women of FI annual weekend in Maryland. This was a rare women-centered FI retreat that blends case studies, life design, laughter, and vulnerability. She catches up with two familiar voices from past episodes, Kim Hunter-Borst and Lisa B. to hear what retirement, sabbaticals, and post-FI life actually look like in motion, not just on paper. Other attendees also share why a women-only space hits differently: less posturing, more honesty, more room to talk about emotional labor, caregiving, identity, and the inner work that often gets skipped in mixed-money spaces. This episode covers: What happened at the Women of FI annual women's weekend in Maryland Why women-centered FI spaces create a different kind of openness and trust Kim Hunter-Borst's vision for building a smaller, more vulnerable, more intentional retreat The 2026 theme of "release" and what women said they were ready to put down A retirement update from Kim after leaving full-time work A follow-up from Lisa B. on quitting her job, taking a summer break, and what happened next Why women said they needed space for both the "outer" and "inner" work of FI How attendees are thinking about Coast FI, sabbaticals, community, and post-FI life . === SUPPORT THE SHOW ===
Your home insurance bill is not going up because of inflation. It is going up because of a risk that was mispriced for decades and is now coming due. Episode Sponsor Coalition for an Insurable Future Website: https://coalitionforaninsurablefuture.com/ Facebook: https://www.facebook.com/people/Coalition-For-An-Insurable-Future/61584013622275/ What You'll Learn in This Episode Why home insurance is up 74% since 2008 and is not coming back down How one weather event turns into a coverage gap, an un-mortgageable home, and a collapsing property value Why insurance companies are not the villain here and who actually is What happens when state-backed insurance plans run out of money Why one in seven homeowners now has zero insurance coverage What every homeowner should do right now to reduce their exposure Why renters are not off the hook from this crisis either Start Here Join the community built to help you master your money, stay accountable, and reach financial freedom.
He lost $50 million in 2008 and built it all back. Here is exactly what he did and what he would never do again.
Send us Fan MailI don't know if you've noticed, but writing checks is almost a thing of the past. Most people write very few, if any, checks anymore. The digital transfer of money has become quicker and easier with the advent of multiple options for cash transfers, such as ACH, debit cards, Zelle, and Venmo. But, are electronic money transfers safer?If you'd like to be a part of a free online retirement community, join us on Facebook: https://www.facebook.com/groups/399117455706255/?ref=share
Real millionaires do not look rich. They look boring on purpose, and that is exactly how they got there.
Czy praca może być wyborem, a nie przymusem? W dzisiejszym odcinku gościmy Przemysława Gerschmanna, który ponad dwa lata temu podjął decyzję o rezygnacji z pracy na etacie, aby żyć na własnych zasadach. Poznaj kulisy ruchu FIRE (Financial Independence, Retire Early) w polskim wydaniu i dowiedz się, jak nudna, systematyczna praca w bankowości doprowadziła do finansowej wolności. Przemek dzieli się swoją strategią budowania majątku, w której kluczową rolę odegrała maksymalizacja stopy oszczędności oraz inwestowanie w siebie i rynek kapitałowy. Usłyszysz o tym, dlaczego „pieniądze zarabia się w pracy, ale majątek buduje się w domu” oraz jak przestać wierzyć w telewizyjny obraz milionera w Rolls-Royce'ie na rzecz „milionera z sąsiedztwa”W tym odcinku dowiesz się:
Eight questions. Eight real financial situations. Eight answers that might change the way you think about your money.
Financial independence can be a powerful goal. You work hard, save aggressively, invest consistently, hit your number, and create the freedom to make decisions from choice instead of fear. But what happens when life changes after the spreadsheet says you are done? In this solo episode of Business, Finance and Soul, Shaun talks about the practical side of FIRE — Financial Independence, Retire Early — especially for parents considering LeanFIRE. While early retirement can create discipline, hope, and long-term freedom, the challenge is that kids are not spreadsheet assumptions. Their lives evolve. Their talents, interests, needs, and opportunities can become more meaningful and more expensive than you ever expected. Shaun shares his own personal example of his daughter being accepted into a top boarding school — an incredible opportunity that also created a major financial reality years earlier than expected. The episode explores the tension between protecting the plan and supporting the people you love. This is not an episode telling anyone what to do. It is a cautionary conversation about the importance of building flexibility, liquidity, earning capacity, and a wider margin of safety into any early retirement plan when children are part of the equation. Because true financial independence is not just about walking away from work. It is about having the ability to respond to life. Timeline / Chapter Markers 00:00 – Welcome to Business, Finance and Soul Shaun introduces the solo episode and the practical side of Financial Independence, Retire Early. 00:35 – The appeal of FIRE and the Freedom Fund Why early retirement creates hope, discipline, and the ability to make decisions from choice instead of fear. 02:07 – LeanFIRE, ChubbyFIRE, and FatFIRE A breakdown of the different FIRE paths and why LeanFIRE has a much tighter margin of error. 03:20 – The problem with forecasting life too tightly Spreadsheets can model housing, food, healthcare, and college, but they cannot fully predict how life will unfold. 04:34 – Kids are not spreadsheet assumptions Children grow into changing human beings with dreams, talents, interests, and opportunities parents may never have expected. 05:25 – When your child's opportunity challenges the plan Sports, music, art, robotics, debate, private school, boarding school, or other paths can create real financial decisions. 06:47 – Shaun's personal example Shaun shares how his daughter's acceptance into a top boarding school became both an exciting opportunity and a major financial consideration. 08:44 – College-like tuition arriving early Why some expenses cannot be solved by cutting coffee, canceling subscriptions, or trimming the grocery bill. 10:00 – Financial independence should create freedom, not pressure If a plan is too light, you may be free from work but not free to respond to life. 11:07 – Life does not stop changing once you hit your number New opportunities do not ask whether they fit into your withdrawal rate. 12:15 – Why LeanFIRE with kids deserves caution "Just enough" may work for the life you can currently see, but not always for the life that shows up later. 12:57 – Do not build your plan around perfect conditions A strong plan should account for major changes, not assume everything goes exactly as expected. 13:55 – Build a Life Expansion Fund Beyond an emergency fund, Shaun introduces the idea of a fund for opportunities you did not know you would care about later. 15:19 – Be careful making early retirement the only goal Sometimes the better goal is not to never work again, but to make work optional, meaningful, flexible, or on your terms. 17:19 – Maintain earning capacity If life changes after early retirement, how easy would it be to earn again? 18:20 – Talk openly with your spouse Parents should discuss what they are willing to say yes to before the major opportunity arrives. 19:36 – Money is a tool The goal is not just to win the math game. The goal is peace, options, and the ability to support the people you love. 20:25 – The unknown is not always a disaster Sometimes the surprise is not a crisis. Sometimes it is your child's dream. 21:30 – Final thoughts Shaun closes with a reminder to expect the unexpected and leave room for the opportunities life may bring. www.BusinessFinanceAndSoul.com www.CallTSG.com https://www.linkedin.com/in/shaunenders/ https://www.youtube.com/@Businessfinanceandsoul
Skylar (23) and Milet (26) are already living like financial mutants. They're saving 25%, maxing Roth IRAs, and sitting on a net worth of nearly $300,000, all while Skylar works three jobs and DIYs 1,800 square feet of backyard pavers on weekends. But the system that got them here might be holding them back from the flexibility they're building toward. We reveal the solo 401(k) opportunity that could save them nearly $7,000 in taxes annually, show why their 457 accounts are perfect for early retirement, and map out how they could reach their more beautiful tomorrow by 50-55, even if they drop to one income with kids. Jump start your journey with our FREE financial resources Reach your goals faster with our products Take the relationship to the next level: become a client Subscribe on YouTube for early access and go beyond the podcast Connect with us on social media for more content Bring confidence to your wealth building with simplified strategies from The Money Guy. Learn how to apply financial tactics that go beyond common sense and help you reach your money goals faster. Make your assets do the heavy lifting so you can quit worrying and start living a more fulfilled life. Learn more about your ad choices. Visit megaphone.fm/adchoices
Most people try to retire early by saving more and spending less. The people who actually pull it off use these six strategies instead.
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 3567: Christina Browning explains how the path to financial independence starts with one powerful metric: your savings rate. By increasing income without inflating your lifestyle and intentionally reducing major expenses, you can dramatically shorten the number of years you need to work and build a portfolio capable of supporting early retirement. Read along with the original article(s) here: https://www.ourrichjourney.com/post/want-to-retire-early-focus-on-this-rate Quotes to ponder: "Your savings rate is the key to reaching financial independence and retiring early." "Most people tend to spend more as they make more." "The goal is to save more so that you can invest more so that you can reach financial independence and retire early!" Episode references: FIRE Movement: https://www.investopedia.com/terms/f/financial-independence-retire-early-fire.asp The 4% Rule: https://www.investopedia.com/terms/f/four-percent-rule.asp 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 3567: Christina Browning explains how the path to financial independence starts with one powerful metric: your savings rate. By increasing income without inflating your lifestyle and intentionally reducing major expenses, you can dramatically shorten the number of years you need to work and build a portfolio capable of supporting early retirement. Read along with the original article(s) here: https://www.ourrichjourney.com/post/want-to-retire-early-focus-on-this-rate Quotes to ponder: "Your savings rate is the key to reaching financial independence and retiring early." "Most people tend to spend more as they make more." "The goal is to save more so that you can invest more so that you can reach financial independence and retire early!" Episode references: FIRE Movement: https://www.investopedia.com/terms/f/financial-independence-retire-early-fire.asp The 4% Rule: https://www.investopedia.com/terms/f/four-percent-rule.asp 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 3567: Christina Browning explains how the path to financial independence starts with one powerful metric: your savings rate. By increasing income without inflating your lifestyle and intentionally reducing major expenses, you can dramatically shorten the number of years you need to work and build a portfolio capable of supporting early retirement. Read along with the original article(s) here: https://www.ourrichjourney.com/post/want-to-retire-early-focus-on-this-rate Quotes to ponder: "Your savings rate is the key to reaching financial independence and retiring early." "Most people tend to spend more as they make more." "The goal is to save more so that you can invest more so that you can reach financial independence and retire early!" Episode references: FIRE Movement: https://www.investopedia.com/terms/f/financial-independence-retire-early-fire.asp The 4% Rule: https://www.investopedia.com/terms/f/four-percent-rule.asp Learn more about your ad choices. Visit megaphone.fm/adchoices
Click Here for the Show Notes In this insightful conversation, the podcast featured a seasoned real estate investor and entrepreneur who shared how financial independence through real estate can create true freedom and flexibility in life. The guest discussed transitioning from a traditional career path into entrepreneurship after discovering a passion for real estate investing and the lifestyle it could provide. Throughout the episode, the discussion centered on why real estate remains one of the most powerful wealth-building tools available due to its ability to generate consistent income, provide investor control, and protect against inflation. The guest explained that “retirement” is less about stopping work entirely and more about achieving the freedom to choose how to spend your time and energy. Topics included calculating a financial independence number, understanding the stages of wealth creation, leveraging strategies like house hacking and rental property investing, and using a debt snowball approach to reduce risk while increasing long-term cash flow. The conversation also emphasized that the ultimate goal is not simply accumulating money, but creating time freedom, flexibility, and the ability to live life on your own terms while building a lasting legacy for future generations. If you enjoyed this Throwback Thursday episode, be sure to subscribe, leave a review, and share it with someone who wants to build wealth and achieve financial freedom through real estate investing. -------------------------------- Throwback Thursday Episode (The episode originally took place in the year 2022) This episode is part of our Throwback Series and may include references to older content such as web classes, events, promotions, or links that are no longer active or available. While the conversation and insights still hold value, please note that some information may be outdated. -------------------------------- If you missed our last episode, be sure to listen to TBT: 7 Common Questions Asked of Our Investment Counselors (Part 3) Download your FREE copy of: The Ultimate Guide to Passive Real Estate Investing. See our available Turnkey Cash-Flow Rental Properties. Our team of Investment Counselors has much more inventory available than what you see on our website. Contact us today for more deals.
In this video, I explained that your Coast FI number and timeline aren't fixed and shares five nurse-specific strategies to accelerate Coast FI by pulling three levers: 00:00 Coast FI Isn't Fixed 01:03 How Coast FI Works 02:17 Tip 1 04:36 Tip 2 07:38 Tip 3 10:44 Tip 4 16:14 Tip 5 20:08 Stack Strategies and Recalculate 21:42 Next Steps and Wrap Up Connect with me: Instagram: http://www.instagram.com/nursewhoinvests Website: https://nursingflowsheet.com/ ➤ Subscribe for more videos on nursing, career growth, and financial freedom! Coast FI Calculator: https://nursingflowsheet.com/coast-fi-calculator-financial-freedom-for-nurses/ ➤ Free Investment CHEAT SHEET: https://www.nursewhoinvests.com/starter ➤ Nurse Money Starter Kit with 40% off for youtube viewers: https://www.nursewhoinvests.com/offers/ty7TNPpx?coupon_code=IG40 Free Investing Class: https://www.nursewhoinvests.com/class
This week, Jean sits down with Louise, 56, a high-tech executive who's burned out, stretched thin, and seriously asking herself whether it's time to walk away from her career. Louise has done everything right: she and her husband have $3.2M in retirement accounts, over $400k in vested stock, a home worth almost $2 million, and 529s for the kids. But with a family of six to cover, and healthcare costs that could rival a mortgage, the math is murkier than it looks. Jean helps her think through what early retirement would actually cost, where the real risks are, and what she needs to figure out before she makes any moves. In this episode: The Rule of 55 — what it is, how it works, and whether it's the right move Why the 4% rule may not be enough when you're only 56 Healthcare on the open market: what it really costs for a family of six post-subsidy How unvested stock grants could completely change Louise's retirement picture Why your home equity belongs in your net worth calculation The case for finding a middle path between burnout and full retirement What to ask a financial advisor before making any early retirement decisions Never miss a money moment — sign up for the free HerMoney newsletter. Learn more about your ad choices. Visit megaphone.fm/adchoices
What would it look like to stop working at 50? Or to step away from a high-powered career and spend your time doing something that lights you up instead? For many women, this is not just a dream. With the right plan, it is a very real option. Melissa Joy, CFP® sits down with Bridget Grimes, founder of Wealth Choice and co-founder of Equita Financial Network, to talk about what retiring in your 50s or 60s actually requires, from knowing your cost of living to healthcare coverage, Roth conversions, and finding purpose on the other side.Bridget is a financial planner, CFP Board Ambassador, and fierce advocate for women and women-led financial firms. She works with breadwinner women every day who are building toward financial independence, and in this conversation she pulls back the curtain on the planning conversations that make early retirement possible.What You'll LearnWhat Coast FIRE is and why it resonates with so many high-achieving womenWhy knowing your actual cost of living is one of the most important retirement planning inputsHow a stair-step retirement, with part-time or passion work, can meaningfully improve your financial pictureWhy healthcare is the biggest wild card for anyone retiring before Medicare eligibility at 65How to think about COBRA, the ACA exchange, and HSAs as part of your early retirement planWhy having multiple account types, taxable, pre-tax, and Roth, gives you flexibility and tax optionsHow Roth conversions work as a multi-year strategy and why doing them all at once can backfireWhat the Rule of 55 means for 401k access and how it differs from IRA rulesWhy rebalancing your investment allocation matters when you stop earning and start drawingHow to give yourself permission to think about what you actually want your life to look likeWhy early retirement is as much a social and emotional transition as it is a financial oneWhat to look for in a financial advisor if you are planning to retire earlier than traditional agesConnect with Bridget GrimesWebsite: wealthchoice.comLinkedIn: linkedin.com/in/bridget-venus-grimes-cfpFacebook: facebook.com/wealthchoiceInstagram: The previous presentation by PEARL PLANNING was intended for general information purposes only. No portion of the presentation serves as the receipt of, or as a substitute for, personalized investment advice from PEARL PLANNING or any other investment professional of your choosing. Different types of investments involve varying degrees of risk, and it should not be assumed that future performance of any specific investment or investment strategy, or any non-investment related or planning services, discussion or content, will be profitable, be suitable for your portfolio or individual situation, or prove successful. Neither PEARL PLANNING's investment adviser registration status, nor any amount of prior experience or success, should be construed that a certain level of results or satisfaction will be achieved if PEARL PLANNING is engaged, or continues to be engaged, to provide investment advisory services. PEARL PLANNING is neither a law firm nor accounting firm, and no portion of its services should be construed as legal or accounting advice. No portion of the video content should be construed by a client or prospective client as a guarantee that he/she will experience a certain level of results if PEARL PLANNING is engaged, or continues to be engaged, to provide investment advisory services. A copy of PEARL PLANNING's current written disclosure Brochure discussing our advisory services and fees is available upon request or at https...
The share of older workers is on the decline — about 37% of people age 55 and above are now active in the labor force. About a decade ago, it was around 40%.The pandemic chased some older workers out, and others can simply afford to retire. Another factor that's causing some to exit? The emergence of artificial intelligence. Learning how to interact with it as a tool, maybe even as a colleague, seems like a headache to some. So, they're choosing retirement instead.Marketplace's Stephanie Hughes spoke with Wall Street Journal reporter Lauren Weber, who's been covering the phenomenon.
The share of older workers is on the decline — about 37% of people age 55 and above are now active in the labor force. About a decade ago, it was around 40%.The pandemic chased some older workers out, and others can simply afford to retire. Another factor that's causing some to exit? The emergence of artificial intelligence. Learning how to interact with it as a tool, maybe even as a colleague, seems like a headache to some. So, they're choosing retirement instead.Marketplace's Stephanie Hughes spoke with Wall Street Journal reporter Lauren Weber, who's been covering the phenomenon.
In this episode, we sit down with Daniel Rodgers, author of Escape The Clock: Your Program Guide for Financial Freedom and Early Retirement, to explore practical strategies for gaining financial independence and retiring early. After achieving his own financial freedom as a program manager, Daniel now dedicates his time to helping others break free from the traditional 9-to-5 work cycle. While not formally trained as a financial professional, Daniel's disciplined approach to budgeting, saving, and investing allowed him to retire early and design the life he wanted. In this conversation, he shares his step-by-step guide to financial independence, providing actionable advice for anyone looking to take control of their finances. In this episode, we cover: Essential strategies for budgeting, saving, and investing wisely. The mindset and discipline necessary for breaking free from the traditional work cycle. Key lessons from the FIRE (Financial Independence, Retire Early) movement. How to create passive income streams and manage debt effectively. If you're ready to transform your financial future and design a life on your terms, this episode is for you. Tune in now to learn how to escape the clock and take control of your financial destiny. For more information, visit the Escape the Clock website to access Daniel's resources and tools. Episode also available on Apple Podcasts: https://apple.co/38oMlMr Keep up with Dan Rodgers socials here: Instagram: https://www.instagram.com/escapetheclockpodcast/ Youtube: https://www.youtube.com/@EscapeTheClockMedia
With Tax Day right around the corner, Laura and Kevin take a hard look at a question a lot of high earners quietly avoid: if you're making great money in tech, why aren't you actually on track to retire?Haley Gray, CFP®, joins the pod to break down the gap between income and real wealth. She explains how strong salaries can create a false sense of security, especially when taxes, lifestyle creep, and equity compensation complicate the picture more than people expect. The conversation digs into how rapid income growth subtly reshapes spending habits, often locking people into a higher cost of living before they've built a solid financial foundation. Haley also unpacks the realities of equity comp, from RSUs to stock options, and why having too much tied up in one company can create risk that's easy to overlook when things are going well. With a practical, no-nonsense approach, Haley walks through what “retirement readiness” actually means, how often people should be checking in on their progress, and the moment of truth many face when they finally run the numbers.The big takeaway: making good money isn't the same as building wealth. But with a few smart moves, starting now, it's possible to get on track faster than most people think.Haley Gray is a CFP® professional and Financial Advisor at Stellarix Group, where she works with professionals in technology and other fast-paced industries to navigate complex financial decisions with clarity and confidence. Her work focuses on retirement planning, tax strategy, and long-term wealth building, with an emphasis on areas that are especially relevant for tech professionals, such as equity compensation, variable income, and concentrated stock positions. Haley brings a modern, practical perspective to financial planning, helping clients simplify complexity and make smarter decisions with their money over time. She is known for her practical, education-first approach, helping clients focus on what actually matters and make confident financial decisions without unnecessary complexity. Her goal is to help clients build strong financial foundations that support both their careers and their long-term goals.Haley Gray is a registered representative of and offers securities and investment advisory services through qualified MML Investors Services, LLC. Member SIPC. OSJ: 2000 S Colorado Blvd, Tower 2, Ste 800, Denver, CO, 80222-7952, (303) 692-8183. The Stellarix Group is not a subsidiary or affiliate of MML Investors Services, LLC or its affiliated companies. CA Insurance License #4087390
Today, we dive deep into the transformative world of financial empowerment with Dr. Paris Woods, a dynamic educator and advocate. The crux of our conversation centers on her groundbreaking book, *The Black Girl's Guide to Financial Freedom*, which serves as a beacon for those seeking to break generational cycles of financial instability. Dr. Woods, who has dedicated her career to equipping young people and families with essential financial knowledge, shares her journey from financial hardship to success, emphasizing that financial literacy is not just a privilege but a necessity for all.With her upcoming release, *The Student's Guide to Financial Freedom*, she aims to arm teens with the tools they need to navigate the complexities of money management as they step into adulthood. Join us as we explore her insights on creating pathways to hope, opportunity, and lasting wealth, proving that financial freedom is not only attainable but can be a shared journey for everyone. This episode features Dr. Paris Woods, an educator and advocate whose mission is to break the cycle of financial illiteracy in underserved communities. Dr. Woods shares her journey from a financially strained background to achieving academic success at Harvard, emphasizing the importance of education in escaping poverty. Her insights into the challenges of navigating financial decisions resonate deeply, especially for young listeners who may find themselves at a crossroads in their own financial journeys.The conversation explores her groundbreaking book, 'The Black Girl's Guide to Financial Freedom,' which aims to provide accessible financial knowledge specifically tailored for Black women. Through witty banter and heartwarming stories, Dr. Woods illustrates that financial freedom is not just a dream but an attainable goal for anyone willing to put in the effort. Furthermore, she introduces her upcoming book, 'The Student's Guide to Financial Freedom,' which aims to equip teens with essential financial skills and ultimately encourage a generation to take charge of their financial futures with confidence and clarity.Takeaways:Dr. Paris Woods emphasizes the importance of authentic self-expression as a foundational aspect of personal and financial growth, stating, 'Be yourself so that your people can find you.'In her journey, Woods highlights the necessity of financial literacy, particularly for young people, to break generational cycles of poverty and establish lasting wealth through informed decision-making.The upcoming 'Student's Guide to Financial Freedom' is designed to equip teens with critical money management skills, enabling them to navigate their financial futures with confidence and clarity.Woods shares her personal narrative of overcoming financial struggles, emphasizing that education alone is not sufficient; understanding financial principles is essential for true empowerment.The FIRE movement, which stands for Financial Independence, Retire Early, is presented as a viable strategy for achieving financial freedom, allowing individuals to live on their own terms without being tethered to traditional employment.Woods advocates for a mindset shift regarding debt and investing, challenging the misconceptions that debt is a privilege and that investing is inherently risky, thus empowering individuals to take control of their finances.Links referenced in this episode:pariswoods.comMentioned in this episode:My friend Dr. Noah St. John calls this 'the invisible brake.' He's giving our listeners a free Revenue Ceiling Audit to help you see what's REALLY holding you back. You'll also get a FREE 30-day membership to Noah Bot, giving you access to Dr. Noah's 30 years of experience to help you reach your next level. But hurry, because there are only 50 available this month. So if you're tired of being stuck at the same revenue level and want to finally break through, get your FREE Revenue Ceiling Audit at https://www.noahvault.com?aff=d28bf6c78150c7f09896297dfe1701c1cd191ac6fc9976779212cec5d38e94d6
In this episode of The Bitcoin for Corporations Show, Pierre Rochard sits down with Trey Sellers from Unchained to discuss the evolution of Bitcoin custody and financial services. Trey shares his journey from traditional banking at Goldman Sachs to building the premier collaborative custody platform for Bitcoiners. We dive deep into why 2-of-3 Multi-Sig is the gold standard for securing wealth, the fundamental differences between holding real Bitcoin versus a Bitcoin ETF, and how the "FIRE" (Financial Independence, Retire Early) movement is being revolutionized by the hardest money on earth.Chapters: 00:00 - Trey Sellers' Background and Journey to Bitcoin03:43 - Collaborative Custody and the Multi-Sig Model07:56 - Comparing Bitcoin ETFs vs. Direct Ownership13:21 - The History and Evolution of Unchained16:03 - Mechanics and Transparency of Bitcoin-Backed Loans20:46 - Commercial Lending and Business Use Cases30:17 - Market Outlook: Price Action, Gold, and HODL Waves43:30 - Yield Strategies, Volatility, and Institutional Banks53:23 - Bitcoin and the FIRE (Financial Independence) Movement59:57 - Intentional Spending and Building Wealth with BitcoinDISCLAIMER: The views and opinions expressed in this show are those of the participants and do not necessarily reflect the official policy or position of BTC Inc., Bitcoin Magazine, or any affiliated entities. This content is provided for informational and educational purposes only and should not be construed as investment, legal, tax, or accounting advice. Nothing contained in this show constitutes a solicitation, recommendation, endorsement, or offer to buy or sell any securities or financial instruments. Viewers should consult their own advisors before making financial or business decisions.
The Hack That Turns Trump Accounts Into $3M Nest Eggs & Retire Sooner Method vs. FIRE Wes Moss breaks down a powerful financial "hack" involving the new Trump Accounts that could change the trajectory of your family's wealth forever. By shifting the conversation to a "Year 0" savings plan, parents and grandparents can use these accounts to kickstart a child's financial life from the day they are born. It's a dramatic shift in how we think about retirement, proving that the one thing we can truly control is the amount of time we allow our money to grow. Also, Wes tackles the growing divide between the "Retire Sooner" method and the popular FIRE (Financial Independence, Retire Early) movement, which over half of Gen Z now claims to follow. While the FIRE movement often requires hyper-lean budgeting, high savings percentages, and extreme deprivation to retire by 40, Wes argues for a more realistic and sustainable approach. Plus, Mallory shares your #AskWes questions and Wes gives his take. All this and more on the March 31, 2026, Ask an Advisor episode of the Clark Howard podcast. Submit your questions at clark.com/ask. Note: Christa will be back on Ask an Advisor next week! We hope you enjoy our weekly Ask An Advisor episodes. Let us know what you think in the comments! Learn more about Wes: BOOKS BY WES MOSS Wes Moss, CFP® Wes Moss - Clark.com Learn more about your ad choices. Visit megaphone.fm/adchoices
My husband wants to retire in a year when he turns 55, but I don't feel comfortable with our numbers. Am I wrong? Have a money question? Email us here Subscribe to Jill on Money LIVE Subscribe to Jill on Money Newsletter YouTube: @jillonmoney Instagram: @jillonmoney Twitter: @jillonmoney "Jill on Money" theme music is by Joel Goodman, www.joelgoodman.com. To learn more about listener data and our privacy practices visit: https://www.audacyinc.com/privacy-policy Learn more about your ad choices. Visit https://podcastchoices.com/adchoices
If you've ever looked at the FIRE movement — Financial Independence, Retire Early — and thought, that sounds great… but what about kids? — today's episode is for you.For years, the assumption has been that FIRE works best for people without children: dual-income professionals willing to live extremely frugally in pursuit of early retirement. But what happens when you want both financial independence and a family?My guest today, Kristy Shen and Bryce Leung are some of the pioneers of the modern FIRE movement. The couple retired in their early 30s with over a million dollars invested and inspired thousands of people to rethink the traditional path of working for decades before enjoying life.But even after achieving financial independence, Kristy found herself confronting a new financial question: Could they afford to have a child?In their new book, Parent Like a Millionaire, Kristy and Bryce explore what it really takes to raise a family while maintaining financial freedom. From resisting the pressure to overspend on baby gear, to rethinking housing, childcare, and education, their approach challenges many of the assumptions we've been taught about the cost of raising kids.In this conversation, Kristy and Bryce share practical strategies for making your money work harder as a parent — and how thoughtful financial planning can reduce stress and create more freedom for families.We also explore the deeper emotional layer behind financial independence. Kristy grew up in poverty, and her pursuit of FIRE was driven not just by the desire to retire early, but by the need for security and stability. What happens when someone who has worked so hard to escape financial instability decides to raise a child? Can financial independence help break cycles of generational money trauma? Hosted on Acast. See acast.com/privacy for more information.
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