Catching Up to FI

Today's episode is something TRULY special— something that's never happened before! For the first time ever… we're joined by two remarkable women who've lived alongside one of the most influential voices in the FI community, JL Collins. In this one-of-a-kind episode we introduce you to his wife, Jane Collins and daughter, Jessica Collins. This is their first-ever joint podcast appearance. We're pulling back the curtain to hear their perspectives. What was it like living with someone so passionate about financial independence? How did his philosophy shape their lives, their choices, and their own views on wealth and freedom? This isn't just a conversation about finance—it's about family, legacy, and the ripple effects of good financial education in a household. You're about to hear a side of the story that's never been told before. 📩 Sign up for our newsletter (NEW!) 🌐 Visit Catching Up to FI website 🔗Connect with us ☕ Like what you hear on Catching Up to FI? Support the show at "Buy Me a Coffee" 🎙️We love hearing from you! Record a Voice Message with your feedback or question Record a Voice Message with your feedback or question ===DEALS & DISCOUNTS FROM OUR TRUSTED PARTNERS=== 📈 Boldin (formerly NewRetirement): Retirement planning software that's like having a financial advisor at your fingertips. You can get started with the free version or choose the premium option (PlannerPlus) and get a 14-day free trial. 👉🏼 Be sure to use this link to get started: Go.boldin.com/catchingup For a full list of current deals and discounts from our partners, sponsors and affiliates, click here: catchinguptofi.com/our-partners RESOURCES MENTIONED ON THE SHOW: (As an Amazon Associate, I earn from qualifying purchases.) Charity: CHARITY: savethechildren.org https://www.anelder.org/ The Adopt-A-Nation-Elder Food Runs are the heart of the organizations program and community. Twice a year they travel to the reservation in service to the Elders whose lives, culture and traditions they cherish. Because of the trust built between the Elders and their families, the staff and volunteers are allowed to travel to the Elders remote homelands and distribute assistance directly to the Elders in their communities. The Food Runs involve hundreds of volunteers transporting hundreds of thousand pounds of food and supplies to the most remote lands in the United State. 🌐JL Collins Blog https://jlcollinsnh.com 📗 The Simple Path to Wealth (Revised & Expanded 2025 Edition & NYT Best Seller!) https://amzn.to/4kFGdTM 📕 Pathfinders: Extraordinary Stories of People Like You on the Quest for Financial Independence—and How to Join Them https://amzn.to/4kHHKbS 📘 How I Lost Money in Real Estate Before It Was Fashionable: A Cautionary Tale https://amzn.to/4dVJb3O ⏰ 'Catching Up to FI' Episodes referenced Pathfinders: Triumphs and Trials on the Road to Financial Independence | JL Collins | 070 https://www.youtube.com/watch?v=-abgF8nW58c&t=1195s Pathfinders: Stories of Success and Financial Independence | JL Collins | 069 https://www.youtube.com/watch?v=m-iKa32_xI8&t=27s F-You Money Part 1 & 2 | JL Collins | 023 & 024 https://www.youtube.com/watch?v=00lWfkBTJ6g&t=29s If you enjoyed this episode, please follow the show on your podcast player and leave us a rating or review. If you want to watch, be sure to subscribe to our YouTube Channel. This helps others find the show and keeps us creating great content for you! ⚠️Disclaimer: Our content is for general education and information purposes only. We are not providing financial, legal, or tax advice. Always do your own research or consult a professional before making important decisions.

If you're within ten years of retirement (early or traditional age) or just want to get a head start on going from being a saver to a spender, this episode is for you. Decumulation without drama—that's the mission as retirement pros Dana Anspach (Sensible Money) and Fritz Gilbert (The Retirement Manifesto) join the show to turn "build-your-own paycheck" into a repeatable process. Dana lays out why drawdown is a hundred small decisions, not one big leap; and Fritz brings in the field notes. Together they demystify: Tax Pitfalls Timing Social Security Asset Allocation and Location Why Most Retirees Underspend The big takeaway: document the plan, automate the paycheck, and give yourself permission to enjoy the "go-go" years—because money's job is to fund a life, not gather dust. 📩 Sign up for our newsletter (NEW!) 🌐 Visit Catching Up to FI website 🔗Connect with us ☕ Like what you hear on Catching Up to FI? Support the show at "Buy Me a Coffee" 🎙️We love hearing from you! Record a Voice Message with your feedback or question Record a Voice Message with your feedback or question ===DEALS & DISCOUNTS FROM OUR TRUSTED PARTNERS=== 📈 Boldin (formerly NewRetirement): Retirement planning software that's like having a financial advisor at your fingertips. You can get started with the free version or choose the premium option (PlannerPlus) and get a 14-day free trial. 👉🏼 Be sure to use this link to get started: Go.boldin.com/catchingup For a full list of current deals and discounts from our partners, sponsors and affiliates, click here: catchinguptofi.com/our-partners RESOURCES MENTIONED ON THE SHOW: (As an Amazon Associate, I earn from qualifying purchases.) Charity: Freedom for Fido 🌐The Retirement Manifesto 📘 Keys to a Successful Retirement 🌐 Sensible Money Sensible Money YouTube 📕 Control Your Retirement Destiny 📗 Social Security Sense 📄 Dana's breakdown of OBBBA 📄 Retirement Red Zone: Rethinking Your Investment Strategy ⏰ 'Catching Up to FI' Episodes Hard & Soft Sides of Retirement | Fritz Gilbert | 019 If you enjoyed this episode, please follow the show on your podcast player and leave us a rating or review. If you want to watch, be sure to subscribe to our YouTube Channel. This helps others find the show and keeps us creating great content for you! ⚠️Disclaimer: Our content is for general education and information purposes only. We are not providing financial, legal, or tax advice. Always do your own research or consult a professional before making important decisions.

Carl Richards is one of the leading voices when it comes to money and emotions. For over a decade, he was the creator of the Sketch Guy column in The New York Times, where his hand-drawn sketches made financial complexity surprisingly simple—and deeply emotional. He joins us to ask the question that instantly ties our brain in knots: 'What is money, really?' From there, he discusses: Why we unknowingly organize life around money and work Why 'enough' is a way of being (not a number) How we keep handing money jobs it can't do—like self-worth, love, and happiness Come for the doodles; leave with a gentler, saner way to align your calendar, your checkbook, and your life. 📩 Sign up for our newsletter (NEW!) 🌐 Visit Catching Up to FI website 🔗Connect with us ☕ Like what you hear on Catching Up to FI? Support the show at "Buy Me a Coffee" 🎙️We love hearing from you! Record a Voice Message with your feedback or question Record a Voice Message with your feedback or question ===DEALS & DISCOUNTS FROM OUR TRUSTED PARTNERS=== 🆕Big changes with student loans in the new budget bill that just passed. Get help from the experts at Student Loan Planner, all CFP®, CFA and CSLP® professionals. They charge a one-time fee for their thorough review. Our listeners receive $100 off a 1:1 consult using the link below. Flat fee is normally $595, but after your $100 off 'Catching Up to FI' discount, it's $495. 👉🏼 Be sure to use this link: studentloanplanner.com/catchingup For a full list of current deals and discounts from our partners, sponsors and affiliates, click here: catchinguptofi.com/our-partners RESOURCES MENTIONED ON THE SHOW: (As an Amazon Associate, I earn from qualifying purchases.) 🌐 BehaviorGap.com 📗 Your Money: Reimagining Wealth in Simple Sketches 📕 The Behavior Gap 📘 The One-Page Financial Plan 50 Fires Podcast ⏰ 'Catching Up to FI' Episodes Enoughness: Your Life or Your Money | Vicki Robin | 95 Doña Quixote, Life Energy, and The Coming of Aging | Vicki Robin | 94 If you enjoyed this episode, please follow the show on your podcast player and leave us a rating or review. If you want to watch, be sure to subscribe to our YouTube Channel. This helps others find the show and keeps us creating great content for you! ⚠️Disclaimer: Our content is for general education and information purposes only. We are not providing financial, legal, or tax advice. Always do your own research or consult a professional before making important decisions.

We are welcoming back the man behind the most debated number in retirement, Bill Bengen- this time with a special appearance from his lovely wife, Barbara. We take a brief detour to hear their love story and how they met, before getting into his new book, 'A Richer Retirement: Supercharging the 4% Rule to Spend More and Enjoy More'. He joins us in this episode to: Break down the primary goals of the book Help you understand what's required to create and manage a successful personal retirement withdrawal plan Step us through all the tools required to make your money last your entire lifetime 📩 Sign up for our newsletter (NEW!) 🌐 Visit Catching Up to FI website 🔗Connect with us ☕ Like what you hear on Catching Up to FI? Support the show at "Buy Me a Coffee" 🎙️We love hearing from you! Record a Voice Message with your feedback or question Record a Voice Message with your feedback or question ===DEALS & DISCOUNTS FROM OUR TRUSTED PARTNERS=== 🆕Big changes with student loans in the new budget bill that just passed. Get help from the experts at Student Loan Planner, all CFP®, CFA and CSLP® professionals. They charge a one-time fee for their thorough review. Our listeners receive $100 off a 1:1 consult using the link below. Flat fee is normally $595, but after your $100 off 'Catching Up to FI' discount, it's $495. 👉🏼 Be sure to use this link: studentloanplanner.com/catchingup For a full list of current deals and discounts from our partners, sponsors and affiliates, click here: catchinguptofi.com/our-partners RESOURCES MENTIONED ON THE SHOW: (As an Amazon Associate, I earn from qualifying purchases.) 🌐 Bill Bengen 📘A Richer Retirement Charts and Tables from 'A Richer Retirement' ⏰ 'Catching Up to FI' Episodes Mr 4% is now Mr 5% | Bill Bengen | 111 If you enjoyed this episode, please follow the show on your podcast player and leave us a rating or review. If you want to watch, be sure to subscribe to our YouTube Channel. This helps others find the show and keeps us creating great content for you! ⚠️Disclaimer: Our content is for general education and information purposes only. We are not providing financial, legal, or tax advice. Always do your own research or consult a professional before making important decisions.

The average financial planner is about 56 years old, but 25-year-old Emma Von Weise got a running start learning about money as a teenager and is now one of the youngest CFP professionals in the US. She shares how she became money savvy so early and what influences impacted her the most. She isn't here to judge the rest of us who started late, but to help us make up for lost time—with humor, heart, and practical advice that meets you exactly where you are. In this episode, we discuss: Emma's money story and early financial literacy The spark that led to a career in financial planning at such a young age Why she is an old soul that just loves working with retirees Modern day Continuing-Care Retirement Communities 📩 Sign up for our newsletter (NEW!) 🌐 Visit Catching Up to FI website 🔗Connect with us ☕ Like what you hear on Catching Up to FI? Support the show at "Buy Me a Coffee" 🎙️We love hearing from you! Record a Voice Message with your feedback or question Record a Voice Message with your feedback or question ===DEALS & DISCOUNTS FROM OUR TRUSTED PARTNERS=== 🆕Big changes with student loans in the new budget bill that just passed. Get help from the experts at Student Loan Planner, all CFP®, CFA and CSLP® professionals. They charge a one-time fee for their thorough review. Our listeners receive $100 off a 1:1 consult using the link below. Flat fee is normally $595, but after your $100 off 'Catching Up to FI' discount, it's $495. 👉🏼 Be sure to use this link: studentloanplanner.com/catchingup For a full list of current deals and discounts from our partners, sponsors and affiliates, click here: catchinguptofi.com/our-partners RESOURCES MENTIONED ON THE SHOW: (As an Amazon Associate, I earn from qualifying purchases.) Charity: 3rd Decade 🌐 Focus Partners Wealth If you enjoyed this episode, please follow the show on your podcast player and leave us a rating or review. If you want to watch, be sure to subscribe to our YouTube Channel. This helps others find the show and keeps us creating great content for you! ⚠️Disclaimer: Our content is for general education and information purposes only. We are not providing financial, legal, or tax advice. Always do your own research or consult a professional before making important decisions.

Darrow Kirkpatrick retired from a 29-year career in civil and software engineering in April 2011 at the age of 50 and started the blog 'Can I Retire Yet' that same year. The Blog was one of the first in the FIRE (Financial Independence, Retire Early) space and focuses on the personal finance needs of anyone who is thinking about retirement or early retirement. He joins us for a deeply human masterclass on retiring, drawing down without drama, and pursuing hard goals the slow, sane way. In this episode, Darrow shares with us: The origins of his blog 'Can I Retire Yet?' How a nervous breakdown derailed his career His six-year, section-by-section completion of the Colorado Trail on forearm crutches The inspiration behind his new book 'Two Sticks One Path' 📩 Sign up for our newsletter (NEW!) 🌐 Visit Catching Up to FI website 🔗Connect with us ☕ Like what you hear on Catching Up to FI? Support the show at "Buy Me a Coffee" 🎙️We love hearing from you! Record a Voice Message with your feedback or question Record a Voice Message with your feedback or question RESOURCES MENTIONED ON THE SHOW: (As an Amazon Associate, I earn from qualifying purchases.) Charities: National Alliance on Mental Illness The Colorado Trail 🌐 Can I Retire Yet? 🌐Trail Memoir 📗 Two Sticks, One Path 📘 Can I Retire Yet? 📕 Retiring Sooner Critique circle (Online Writing Workshop) Lessons Learned from Writing a Book Pralana- Personal Financial Modeling ⏰ 'Catching Up to FI' Episodes The Powers of Starting Late, Retirement Calculators, and More | Chris Mamula | 086 Sustainable FIlosophy with Mr. Money Mustache | Pete Adeney | 073 ===DEALS & DISCOUNTS FROM OUR TRUSTED PARTNERS=== 📈 Boldin (formerly NewRetirement): Retirement planning software that's like having a financial advisor at your fingertips. You can get started with the free version or choose the premium option (PlannerPlus) and get a 14-day free trial. 👉🏼 Be sure to use this link to get started: Go.boldin.com/catchingup Personal Finance Club: Use code CUTOFI to get $30 OFF any course or PFC investing course only Nectarine: Advice-Only and Flat-Fee Hourly Fiduciary Financial Advisors (Catching Up to FI will be compensated by Nectarine if you use our affiliate link, which creates an incentive and conflict of interest. We are not current clients or employees of Nectarine.) For a full list of current deals and discounts from our partners, sponsors and affiliates, click here: catchinguptofi.com/our-partners If you enjoyed this episode, please follow the show on your podcast player and leave us a rating or review. If you want to watch, be sure to subscribe to our YouTube Channel. This helps others find the show and keeps us creating great content for you! ⚠️Disclaimer: Our content is for general education and information purposes only. We are not providing financial, legal, or tax advice. Always do your own research or consult a professional before making important decisions.

In this crossover episode, Jackie joins the 'Wicked Pissah Podcast', brought to you by the Financial Planning Association (FPA) of New England. She trades in the Sunday sweatshirt for her CFP® blazer but still stays true to openly sharing her fascinating money story and spreading financial literacy. They discuss: The story behind her $2-bill savings habit The divorce-day gut punch that pushed her from $20k to FI Why she is so passionate about the 'Catching Up to FI' platform and late starters How she demystifies FIRE for financial professionals How she tackled the big skeptic questions about retiring early 📩 Sign up for our newsletter (NEW!) 🌐 Visit Catching Up to FI website 🔗Connect with us ☕ Like what you hear on Catching Up to FI? Support the show at "Buy Me a Coffee" 🎙️We love hearing from you! Record a Voice Message with your feedback or question Record a Voice Message with your feedback or question RESOURCES MENTIONED ON THE SHOW: (As an Amazon Associate, I earn from qualifying purchases.) 🌐Jackie's website FInomenalWoman.com 📕F.I.R.E. For Dummies 📘Money Letters 2 My Daughter 📈Jackie's Investment Club through BetterInvesting.org 🎙️Wicked Pissah Podcast https://wickedpissahpodcast.libsyn.com/about Jonathan Clements Getting Going on Savings Initiative https://boglecenter.net/gettinggoing ⏰ 'Catching Up to FI' Episodes From Poverty to Wealth and Early Retirement | Jackie Cummings Koski | 007 ===DEALS & DISCOUNTS FROM OUR TRUSTED PARTNERS=== 📈 Boldin (formerly NewRetirement): Retirement planning software that's like having a financial advisor at your fingertips. You can get started with the free version or choose the premium option (PlannerPlus) and get a 14-day free trial. 👉🏼 Be sure to use this link to get started: Go.boldin.com/catchingup Personal Finance Club: Use code CUTOFI to get $30 OFF any course or PFC investing course only Nectarine: Advice-Only and Flat-Fee Hourly Fiduciary Financial Advisors (Catching Up to FI will be compensated by Nectarine if you use our affiliate link, which creates an incentive and conflict of interest. We are not current clients or employees of Nectarine.) For a full list of current deals and discounts from our partners, sponsors and affiliates, click here: catchinguptofi.com/our-partners If you enjoyed this episode, please follow the show on your podcast player and leave us a rating or review. If you want to watch, be sure to subscribe to our YouTube Channel. This helps others find the show and keeps us creating great content for you! ⚠️Disclaimer: Our content is for general education and information purposes only. We are not providing financial, legal, or tax advice. Always do your own research or consult a professional before making important decisions.

Ruth Henderson is the creator of 'The Happy Saver,' a beloved New Zealand blog and podcast that brings personal finance down to earth. She transitioned from part-time work to full-time content creation, sharing her journey toward early retirement with honesty, humor, and heart. In this episode we swap notes with her on the financial independence journey of Americans vs. Kiwis (New Zealanders). She also shares with us: Her late starter journey to FI What inspired her to create 'The Happy Saver' to help everyday Kiwis reach FI A breakdown of New Zealand's surprisingly simple ecosystem including universal healthcare and pension How KiwiSaver operates similarly to US employer-sponsored retirement plans 📩 Sign up for our newsletter (NEW!) 🌐 Visit Catching Up to FI website 🔗Connect with us ☕ Like what you hear on Catching Up to FI? Support the show at "Buy Me a Coffee" 🎙️We love hearing from you! Record a Voice Message with your feedback or question Record a Voice Message with your feedback or question ===DEALS & DISCOUNTS FROM OUR TRUSTED PARTNERS=== 🆕Big changes with student loans in the new budget bill that just passed. Get help from the experts at Student Loan Planner, all CFP®, CFA and CSLP® professionals. They charge a one-time fee for their thorough review. Our listeners receive $100 off a 1:1 consult using the link below. Flat fee is normally $595, but after your $100 off 'Catching Up to FI' discount, it's $495. 👉🏼 Be sure to use this link: studentloanplanner.com/catchingup For a full list of current deals and discounts from our partners, sponsors and affiliates, click here: catchinguptofi.com/our-partners RESOURCES MENTIONED ON THE SHOW: (As an Amazon Associate, I earn from qualifying purchases.) 🌐The Happy Saver The Happy Saver Podcast Rebel Finance School Sorted Sorted Smart Investor If you enjoyed this episode, please follow the show on your podcast player and leave us a rating or review. If you want to watch, be sure to subscribe to our YouTube Channel. This helps others find the show and keeps us creating great content for you! ⚠️Disclaimer: Our content is for general education and information purposes only. We are not providing financial, legal, or tax advice. Always do your own research or consult a professional before making important decisions.

Azul Terronez went from being an unknown schoolteacher to a Wall Street Journal and USA Today bestselling author. He is co-founder and lead coach at "Authors Who Lead," a platform dedicated to empowering authors to share their stories. He turns our conversation with him into a courage clinic for would-be storytellers, late starters, and anyone who suspects their "zone of genius" is dying to be unleashed. He gives us the reframe that authorship isn't about words so much as the message beneath them. === PLUTUS AWARDS: ONLY ONE WEEK LEFT TO VOTE === We need your vote for the 2025 Plutus Awards! You can now vote for your hosts behind "Catching Up to FI" - Bill Yount & Jackie Cummings Koski. The deadline to vote is August 30th, 2025. Winners will be announced in October. ✅ WHAT IS THE PLUTUS AWARDS? The Plutus Awards recognize excellence in independent financial content. That's the best podcasts, books, video channels, blogs, and more. ✅ VOTE If you've gotten value from our content and think we are worthy of recognition, please support by casting your votes here > >> https://plutus.awardsplatform.com/. There's a short registration needed to vote and you'll be in and out in just a few minutes. ✅ CATEGORIES Below are the categories we have been nominated for and we'd love your vote in each of them. Catching Up to FI Best New Personal Finance Content Creator - Audio Content Creator of the Year: Audio People's Choice: Audio Best Financial Advisor Content/Jackie Cummings Koski, CFP Plutus Storyteller Award Best Traditional Retirement Content Best Personal Finance Content for Underserved Communities Best Personal Finance Content for Women Other categories Best New Personal Finance Content Creator - Written (F.I.R.E. for Dummies) Best New Personal Finance Book (F.I.R.E. for Dummies) Plutus Resilience Award (Jackie Cummings Koski) Best Financial Independence or Retire Early Content (F.I.R.E. for Dummies) 📩 Sign up for our newsletter (NEW!) 🌐 Visit Catching Up to FI website 🔗Connect with us ☕ Like what you hear on Catching Up to FI? Support the show at "Buy Me a Coffee" 🎙️We love hearing from you! Record a Voice Message with your feedback or question Record a Voice Message with your feedback or question === DEALS & DISCOUNTS FROM OUR TRUSTED PARTNERS === 🆕Big changes with student loans in the new budget bill that just passed. Get help from the experts at Student Loan Planner, all CFP®, CFA and CSLP® professionals. They charge a one-time fee for their thorough review. Our listeners receive $100 off a 1:1 consult using the link below. Flat fee is normally $595, but after your $100 off 'Catching Up to FI' discount, it's $495. 👉🏼 Be sure to use this link: studentloanplanner.com/catchingup For a full list of current deals and discounts from our partners, sponsors and affiliates, click here: catchinguptofi.com/our-partners RESOURCES MENTIONED ON THE SHOW: (As an Amazon Associate, I earn from qualifying purchases.) Charity: Grey Bears 🌐Authors Who Lead Authors Who Lead podcast 📗 The Art of Apprenticeship: How to Hack Your Way into Any Industry, Land a Kick-Ass Mentor, and Make A Killing Doing What You Love Born to Write, Scared to Start: A secret podcast for the ones who whisper, "I think I'm supposed to write a book." Why I Coached My Son to Drop Out of University and Maybe You Should, Too TEDx Talk: What makes a good teacher great? EconoMe Conference Talk If you enjoyed this episode, please follow the show on your podcast player and leave us a rating or review. If you want to watch, be sure to subscribe to our YouTube Channel. This helps others find the show and keeps us creating great content for you! ⚠️Disclaimer: Our content is for general education and information purposes only. We are not providing financial, legal, or tax advice. Always do your own research or consult a professional before making important decisions.

J.C. and Bev Webber's late-starter journey is proof that resilience + innovation can outrun even a Great Financial Crisis. J.C. gives us his real numbers and how he sprinted from a net worth of ~$120k (age 51) to $1.5M (age 57)—only to see it crash to ~$864k in early 2009. But that didn't derail their plans because he and his wife Bev still retired early and hit the road in their RV. You could say they reached FIRE (Financial Independence, Retire Early) before it was hot! In this episode they walk us through all the twists and turns, giving us the excruciating details that you rarely hear about, including: J.C.'s brother-in-law bailing him out of credit-card debt by loaning him money J.C.'s military service and using the GI Bill hack college Ditching dead-end jobs for higher paying tech careers and eventually retiring from Apple Weathering multiple divorces and proving that it doesn't have to ruin your finances The unshakeable confidence in their human capital Plans to live out their later years in Mexico === VOTE FOR US: PLUTUS AWARDS === We need your vote for the 2025 Plutus Awards! You can now vote for your hosts behind "Catching Up to FI" - Bill Yount & Jackie Cummings Koski. ✅ WHAT IS THE PLUTUS AWARDS? The Plutus Awards recognize excellence in independent financial content. That's the best podcasts, books, video channels, blogs, and more. ✅ VOTE If you've gotten value from our content and think we are worthy of recognition, please support by casting your votes here > >> https://plutus.awardsplatform.com/. There's a short registration needed to vote and you'll be in and out in just a few minutes. ✅ DEADLINE The deadline to vote is August 30th, 2025. Winners will be announced in October. ✅ CATEGORIES Below are the categories we have been nominated for and we'd love your vote in each of them. Catching Up to FI Best New Personal Finance Content Creator - Audio Content Creator of the Year: Audio People's Choice: Audio Best Financial Advisor Content/Jackie Cummings Koski, CFP Plutus Storyteller Award Best Traditional Retirement Content Best Personal Finance Content for Underserved Communities Best Personal Finance Content for Women Other categories Best New Personal Finance Content Creator - Written (F.I.R.E. for Dummies) Best New Personal Finance Book (F.I.R.E. for Dummies) Plutus Resilience Award (Jackie Cummings Koski) Best Financial Independence or Retire Early Content (F.I.R.E. for Dummies) 🌐 Visit Catching Up to FI website 🔗Connect with us ☕ Like what you hear on Catching Up to FI? Support the show at "Buy Me a Coffee" 🎙️We love hearing from you! Record a Voice Message with your feedback or question Record a Voice Message with your feedback or question ===DEALS & DISCOUNTS FROM OUR TRUSTED PARTNERS=== 📈 Boldin (formerly NewRetirement): Retirement planning software that's like having a financial advisor at your fingertips. You can get started with the free version or choose the premium option (PlannerPlus) and get a 14-day free trial. 👉🏼 Be sure to use this link to get started: Go.boldin.com/catchingup Personal Finance Club: Use code CUTOFI to get $30 OFF any investing course Nectarine: Advice-Only and Flat-Fee Hourly Fiduciary Financial Advisors (Catching Up to FI will be compensated by Nectarine if you use our affiliate link, which creates an incentive and conflict of interest. We are not current clients or employees of Nectarine.) For a full list of current deals and discounts from our partners, sponsors and affiliates, click here: catchinguptofi.com/our-partners RESOURCES MENTIONED ON THE SHOW: 🌐 J.C. and Bev's Trip Journal Images of J.C.'s Spreadsheets and numbers YNAB (You Need A Budget) If you enjoyed this episode, please follow the show on your podcast player and leave us a rating or review. If you want to watch, be sure to subscribe to our YouTube Channel. This helps others find the show and keeps us creating great content for you! ⚠️Disclaimer: Our content is for general education and information purposes only. We are not providing financial, legal, or tax advice. Always do your own research or consult a professional before making important decisions.

In this midweek episode, Bill and Jackie join the 'The Visible Voices' podcast, hosted by Dr. Resa E Lewiss. We highlight the voice of late starters and discuss: The huge gap that 'Catching Up to FI' is filling and what we mean by the 'silent majority' How shock, regret, and money-trauma can become fuel Unique advantages you may have when beginning your financial independence journey later in life Why micro-steps (Kaizen-style) beat grand gestures every time === VOTE FOR US: PLUTUS AWARDS === We need your vote for the 2025 Plutus Awards! You can now vote for your hosts behind "Catching Up to FI" - Bill Yount & Jackie Cummings Koski. ✅ WHAT IS THE PLUTUS AWARDS? The Plutus Awards recognize excellence in independent financial content. That's the best podcasts, books, video channels, blogs, and more. ✅ VOTE If you've gotten value from our content and think we are worthy of recognition, please support by casting your votes here > >> https://plutus.awardsplatform.com/. There's a short registration needed to vote and you'll be in and out in just a few minutes. ✅ DEADLINE The deadline to vote is August 30th, 2025. Winners will be announced in October. ✅ CATEGORIES Below are the categories we have been nominated for and we'd love your vote in each of them. Catching Up to FI Best New Personal Finance Content Creator - Audio Content Creator of the Year: Audio People's Choice: Audio Best Financial Advisor Content/Jackie Cummings Koski, CFP Plutus Storyteller Award Best Traditional Retirement Content Best Personal Finance Content for Underserved Communities Best Personal Finance Content for Women Other categories Best New Personal Finance Content Creator - Written (F.I.R.E. for Dummies) Best New Personal Finance Book (F.I.R.E. for Dummies) Plutus Resilience Award (Jackie Cummings Koski) Best Financial Independence or Retire Early Content (F.I.R.E. for Dummies) 🌐 Visit Catching Up to FI website 🔗Connect with us ☕ Like what you hear on Catching Up to FI? Support the show at "Buy Me a Coffee" 🎙️We love hearing from you! Record a Voice Message with your feedback or question Record a Voice Message with your feedback or question ===DEALS & DISCOUNTS FROM OUR TRUSTED PARTNERS=== 🆕Big changes with student loans in the new budget bill that just passed. Get help from the experts at Student Loan Planner, all CFP®, CFA and CSLP® professionals. They charge a one-time fee for their thorough review. Our listeners receive $100 off a 1:1 consult using the link below. Flat fee is normally $595, but after your $100 off 'Catching Up to FI' discount, it's $495. 👉🏼 Be sure to use this link: studentloanplanner.com/catchingup For a full list of current deals and discounts from our partners, sponsors and affiliates, click here: catchinguptofi.com/our-partners RESOURCES MENTIONED ON THE SHOW: (As an Amazon Associate, I earn from qualifying purchases.) Charity: 🌐 'This Visible Voices' Podcast Bill and Jackie's Episode on 'The Visible Voices' Podcast 📗 Micro Skills If you enjoyed this episode, please follow the show on your podcast player and leave us a rating or review. If you want to watch, be sure to subscribe to our YouTube Channel. This helps others find the show and keeps us creating great content for you! ⚠️Disclaimer: Our content is for general education and information purposes only. We are not providing financial, legal, or tax advice. Always do your own research or consult a professional before making important decisions.

We ❤️ Case Studies! Nurse practitioner and mom of three, Lisa, opens up and shares what's in her wallet, and her heart. In this episode we dive into her fascinating late-starter story and financials. She was also this year's brave Case Study at the EconoMe conference and revealed all her numbers in front of a live audience to get crowd-sourced feedback in real time. What transpired afterwards was powerful- she quit her day job and handed in her clinical badge to enjoy a sabbatical she had been longing for! With a little help from some Boldin financial modeling and a Nectarine hourly planner, she made the leap and takes us through exactly how she did it. === VOTE FOR US: PLUTUS AWARDS === We need your vote for the 2025 Plutus Awards! You can now vote for your hosts behind "Catching Up to FI" - Bill Yount & Jackie Cummings Koski. ✅ WHAT IS THE PLUTUS AWARDS? The Plutus Awards recognize excellence in independent financial content. That's the best podcasts, books, video channels, blogs, and more. ✅ VOTE If you've gotten value from our content and think we are worthy of recognition, please support by casting your votes here > >> https://plutus.awardsplatform.com/. There's a short registration needed to vote and you'll be in and out in just a few minutes. ✅ DEADLINE The deadline to vote is August 30th, 2025. Winners will be announced in October. ✅ CATEGORIES Below are the categories we have been nominated for and we'd love your vote in each of them. Catching Up to FI Best New Personal Finance Content Creator - Audio Content Creator of the Year: Audio People's Choice: Audio Best Financial Advisor Content/Jackie Cummings Koski, CFP Plutus Storyteller Award Best Traditional Retirement Content Best Personal Finance Content for Underserved Communities Best Personal Finance Content for Women Other categories Best New Personal Finance Content Creator - Written (F.I.R.E. for Dummies) Best New Personal Finance Book (F.I.R.E. for Dummies) Plutus Resilience Award (Jackie Cummings Koski) Best Financial Independence or Retire Early Content (F.I.R.E. for Dummies) 🌐 Visit Catching Up to FI website 🔗Connect with us ☕ Like what you hear on Catching Up to FI? Support the show at "Buy Me a Coffee" 🎙️We love hearing from you! Record a Voice Message with your feedback or question Record a Voice Message with your feedback or question ===DEALS & DISCOUNTS FROM OUR TRUSTED PARTNERS=== 📈 Boldin (formerly NewRetirement): Retirement planning software that's like having a financial advisor at your fingertips. You can get started with the free version or choose the premium option (PlannerPlus) and get a 14-day free trial. 👉🏼 Be sure to use this link to get started: Go.boldin.com/catchingup Personal Finance Club: Use code CUTOFI to get $30 OFF any investing course Nectarine: Advice-Only and Flat-Fee Hourly Fiduciary Financial Advisors (Catching Up to FI will be compensated by Nectarine if you use our affiliate link, which creates an incentive and conflict of interest. We are not current clients or employees of Nectarine.) For a full list of current deals and discounts from our partners, sponsors and affiliates, click here: catchinguptofi.com/our-partners RESOURCES MENTIONED ON THE SHOW: Charity: Adelante Latina 🌐 Lisa's Blog ⏬ Catching Up to FI version of Case Study Template (Download and save a copy) The Advisor Lisa used at Nectarine (John O'Callaghan, CFP®). Book your own session using this Nectarine Affilate Link: https://hellonectarine.com/r/cutfi Fioneers 'Coast With Confidence' Course https://thefioneers.com/coast-with-confidence-waitlist ⏰ 'Catching Up to FI' Episodes Mini Retirements, Sabbaticals, Career Breaks- Yes Please! | Jillian Johnsrud | 153 The Godfather of FI Talks Fatherhood | JL Collins | 149 Vote Your Money: Values Aligned Investing | Janine Firpo | 139 $1M Debt!: "One Dollar at a Time" | Naseema McElroy | 014 If you enjoyed this episode, please follow the show on your podcast player and leave us a rating or review. If you want to watch, be sure to subscribe to our YouTube Channel. This helps others find the show and keeps us creating great content for you! ⚠️Disclaimer: Our content is for general education and information purposes only. We are not providing financial, legal, or tax advice. Always do your own research or consult a professional before making important decisions.

Morningstar's Christine Benz and investing-history legend Dr. William Bernstein announces the Jonathan Clements "Getting Going on Savings" Initiative. In 2024, Jonathan was diagnosed with a terminal illness and decided to use the proceeds from a final book to kick-start a new program that will directly help fund Roth IRAs for young adults (especially from low-income households) to the tune of $1,000 each. The John C. Bogle Center for Financial Literacy, a 501(c)(3) non-profit, is assisting with the project and 'Catching Up to FI' is proud to spread the word by replaying this conversation that originally aired on the 'Bogleheads on Investing' podcast (5/27/25). === VOTE FOR US: PLUTUS AWARDS === We need your vote for the 2025 Plutus Awards! You can now vote for your hosts behind "Catching Up to FI" - Bill Yount & Jackie Cummings Koski. ✅ WHAT IS THE PLUTUS AWARDS? The Plutus Awards recognize excellence in independent financial content. That's the best podcasts, books, video channels, blogs, and more. ✅ VOTE If you've gotten value from our content and think we are worthy of recognition, please support by casting your votes here > >> https://plutus.awardsplatform.com/. There's a short registration needed to vote and you'll be in and out in just a few minutes. ✅ DEADLINE The deadline to vote is August 30th, 2025. Winners will be announced in October. ✅ CATEGORIES Below are the categories we have been nominated for and we'd love your vote in each of them. Catching Up to FI Best New Personal Finance Content Creator - Audio Content Creator of the Year: Audio People's Choice: Audio Best Financial Advisor Content/Jackie Cummings Koski, CFP Plutus Storyteller Award Best Traditional Retirement Content Best Personal Finance Content for Underserved Communities Best Personal Finance Content for Women Other categories Best New Personal Finance Content Creator - Written (F.I.R.E. for Dummies) Best New Personal Finance Book (F.I.R.E. for Dummies) Plutus Resilience Award (Jackie Cummings Koski) Best Financial Independence or Retire Early Content (F.I.R.E. for Dummies) 🌐 Visit Catching Up to FI website 🔗Connect with us ☕ Like what you hear on Catching Up to FI? Support the show at "Buy Me a Coffee" 🎙️We love hearing from you! Record a Voice Message with your feedback or question Record a Voice Message with your feedback or question ===DEALS & DISCOUNTS FROM OUR TRUSTED PARTNERS=== 🆕Big changes with student loans in the new budget bill that just passed. Get help from the experts at Student Loan Planner, all CFP®, CFA and CSLP® professionals. They charge a one-time fee for their thorough review. Our listeners receive $100 off a 1:1 consult using the link below. Flat fee is normally $595, but after your $100 off 'Catching Up to FI' discount, it's $495. 👉🏼 Be sure to use this link: studentloanplanner.com/catchingup For a full list of current deals and discounts from our partners, sponsors and affiliates, click here: catchinguptofi.com/our-partners RESOURCES MENTIONED ON THE SHOW: (As an Amazon Associate, I earn from qualifying purchases.) Charity: Jonathan Clements Getting Going on Savings Initiative 📘The Best of Jonathan Clements: Timeless Advice for a Financial Life Well Lived 🌐William Bernstein 🌐Christine Benz 🎙️Bogleheads on Investing- Episode 82 ⏰ 'Catching Up to FI' Episodes How to Bake a Cake: An Asset Allocation Mashup | Rick Ferri & Paul Merriman | 134 Retirement Remix: Crafting Financial Futures with Purpose | Christine Benz | 117 How to Think About Time: A Humble Legacy | Jonathan Clements | 081 If you enjoyed this episode, please follow the show on your podcast player and leave us a rating or review. If you want to watch, be sure to subscribe to our YouTube Channel. This helps others find the show and keeps us creating great content for you! ⚠️Disclaimer: Our content is for general education and information purposes only. We are not providing financial, legal, or tax advice. Always do your own research or consult a professional before making important decisions.

Nick Maggiulli is the data-driven creator of the blog 'Of Dollars And Data', Chief Operating Officer at Ritholtz Wealth, and author of the newly released book 'The Wealth Ladder'. He joins us on the show to break down his six-level wealth ladder and openly shares some of his steps and missteps as he moved up on his own wealth-building journey. In this episode, we discuss these financial insights he shared in the book: Six Wealth Levels ( 0.01 % Daily-Growth Spending Rule Grocery / Restaurant / Travel Freedom progression Cookie-cutter asset allocation across ALL accounts Health-span extension as a late-starter strategy === VOTE FOR US: PLUTUS AWARDS === We need your vote for the 2025 Plutus Awards! You can now vote for your hosts behind "Catching Up to FI" - Bill Yount & Jackie Cummings Koski. ✅ WHAT IS THE PLUTUS AWARDS? The Plutus Awards recognize excellence in independent financial content. That's the best podcasts, books, video channels, blogs, and more. ✅ VOTE If you've gotten value from our content and think we are worthy of recognition, please support by casting your votes here > >> https://plutus.awardsplatform.com/. There's a short registration needed to vote and you'll be in and out in just a few minutes. ✅ DEADLINE The deadline to vote is August 30th, 2025. Winners will be announced in October. ✅ CATEGORIES Below are the categories we have been nominated for and we'd love your vote in each of them. Catching Up to FI Best New Personal Finance Content Creator - Audio Content Creator of the Year: Audio People's Choice: Audio Best Financial Advisor Content/Jackie Cummings Koski, CFP Plutus Storyteller Award Best Traditional Retirement Content Best Personal Finance Content for Underserved Communities Best Personal Finance Content for Women Other categories Best New Personal Finance Content Creator - Written (F.I.R.E. for Dummies) Best New Personal Finance Book (F.I.R.E. for Dummies) Plutus Resilience Award (Jackie Cummings Koski) Best Financial Independence or Retire Early Content (F.I.R.E. for Dummies) 🌐 Visit Catching Up to FI website 🔗Connect with us ☕ Like what you hear on Catching Up to FI? Support the show at "Buy Me a Coffee" 🎙️We love hearing from you! Record a Voice Message with your feedback or question Record a Voice Message with your feedback or question ===DEALS & DISCOUNTS FROM OUR TRUSTED PARTNERS=== 🆕Big changes with student loans in the new budget bill that just passed. Get help from the experts at Student Loan Planner, all CFP®, CFA and CSLP® professionals. They charge a one-time fee for their thorough review. Our listeners receive $100 off a 1:1 consult using the link below. Flat fee is normally $595, but after your $100 off 'Catching Up to FI' discount, it's $495. 👉🏼 Be sure to use this link: studentloanplanner.com/catchingup For a full list of current deals and discounts from our partners, sponsors and affiliates, click here: catchinguptofi.com/our-partners RESOURCES MENTIONED ON THE SHOW: (As an Amazon Associate, I earn from qualifying purchases.) Charity: Malaria Consortium 🌐 Of Dollars and Data 📗 The Wealth Ladder 📘 Just Keep Buying Survey of Consumer Finances The Panel Study of Income Dynamics Saving is For the Poor, Investing is For the Rich ⏰ 'Catching Up to FI' Episodes How to Bake a Cake: An Asset Allocation Mashup | Rick Ferri & Paul Merriman | 134 How to Think About Time: A Humble Legacy | Jonathan Clements | 081 How a Second Grader Beats Wall Street | Allan Roth | 033 If you enjoyed this episode, please follow the show on your podcast player and leave us a rating or review. If you want to watch, be sure to subscribe to our YouTube Channel. This helps others find the show and keeps us creating great content for you! ⚠️Disclaimer: Our content is for general education and information purposes only. We are not providing financial, legal, or tax advice. Always do your own research or consult a professional before making important decisions.

Bill hops onto Jesse Cramer's 'Personal Finance for Long-Term Investors' (formally The Best Interest) podcast. Along with some of our favorite content creators, he shares his crazy spending screw ups-- and the life lessons that followed. Stories from: Bill Yount (Catching Up to FI) Jesse Cramer (Personal Finance For Long-Term Investors) Diania Merriam (EconoMe Conference & Optimal Finance Daily) Justin Peters (FI Minded, formally The Struggle is Real) Jordan (Doc G) Grumet (Earn & Invest) Joe Saul-Sehy (Stacking Benjamins) Jeremy Schneider (Personal Finance Club) === VOTE FOR US: PLUTUS AWARDS === We need your vote for the 2025 Plutus Awards! You can now vote for your hosts behind "Catching Up to FI" - Bill Yount & Jackie Cummings Koski. ✅ WHAT IS THE PLUTUS AWARDS? The Plutus Awards recognize excellence in independent financial content. That's the best podcasts, books, video channels, blogs, and more. ✅ VOTE If you've gotten value from our content and think we are worthy of recognition, please support by casting your votes here > >> https://plutus.awardsplatform.com/. There's a short registration needed to vote and you'll be in and out in just a few minutes. ✅ DEADLINE The deadline to vote is August 30th, 2025. Winners will be announced in October. ✅ CATEGORIES Below are the categories we have been nominated for and we'd love your vote in each of them. Catching Up to FI Best New Personal Finance Content Creator - Audio Content Creator of the Year: Audio People's Choice: Audio Best Financial Advisor Content/Jackie Cummings Koski, CFP Plutus Storyteller Award Best Traditional Retirement Content Best Personal Finance Content for Underserved Communities Best Personal Finance Content for Women Other categories Best New Personal Finance Content Creator - Written (F.I.R.E. for Dummies) Best New Personal Finance Book (F.I.R.E. for Dummies) Plutus Resilience Award (Jackie Cummings Koski) Best Financial Independence or Retire Early Content (F.I.R.E. for Dummies) 🌐 Visit Catching Up to FI website 🔗Connect with us ☕ Like what you hear on Catching Up to FI? Support the show at "Buy Me a Coffee" 🎙️We love hearing from you! Record a Voice Message with your feedback or question Record a Voice Message with your feedback or question ===DEALS & DISCOUNTS FROM OUR TRUSTED PARTNERS=== 🆕Big changes with student loans in the new budget bill that just passed. Get help from the experts at Student Loan Planner, all CFP®, CFA and CSLP® professionals. They charge a one-time fee for their thorough review. Our listeners receive $100 off a 1:1 consult using the link below. Flat fee is normally $595, but after your $100 off 'Catching Up to FI' discount, it's $495. 👉🏼 Be sure to use this link: studentloanplanner.com/catchingup For a full list of current deals and discounts from our partners, sponsors and affiliates, click here: catchinguptofi.com/our-partners RESOURCES MENTIONED ON THE SHOW: (As an Amazon Associate, I earn from qualifying purchases.) Bill Yount (Catching Up to FI) Jesse Cramer (Personal Finance For Long-Term Investors) Diania Merriam (EconoMe Conference & Optimal Finance Daily) Justin Peters (FI Minded, formally The Struggle is Real) Jordan (Doc G) Grumet (Earn & Invest) https://jordangrumet.com/ Joe Saul-Sehy (Stacking Benjamins) Jeremy Schneider (Personal Finance Club) If you enjoyed this episode, please follow the show on your podcast player and leave us a rating or review. If you want to watch, be sure to subscribe to our YouTube Channel. This helps others find the show and keeps us creating great content for you! ⚠️Disclaimer: Our content is for general education and information purposes only. We are not providing financial, legal, or tax advice. Always do your own research or consult a professional before making important decisions.

Bogleheads favorite Jon Luskin, CFP® drops in for part 2 of his masterclass on embracing simplicity. He specializes in providing hourly advice to do-it-yourself investors and is a long-time advocate of simple, low-cost investing. In this second part he shares with us: Simple Investor Policy Statement (IPS) All-in-One Funds: target date and balanced/life-strategy funds as "default simple" solutions Disability, life, and (if appropriate) long-term care insurance This is the second part of a 2 part episode. Click here to listen to part 1. === VOTE FOR US: PLUTUS AWARDS === We need your vote for the 2025 Plutus Awards! You can now vote for your hosts behind "Catching Up to FI" - Bill Yount & Jackie Cummings Koski. ✅ WHAT IS THE PLUTUS AWARDS? The Plutus Awards recognize excellence in independent financial content. That's the best podcasts, books, video channels, blogs, and more. ✅ VOTE If you've gotten value from our content and think we are worthy of recognition, please support by casting your votes here > >> https://plutus.awardsplatform.com/. There's a short registration needed to vote and you'll be in and out in just a few minutes. ✅ DEADLINE The deadline to vote is August 30th, 2025. Winners will be announced in October. ✅ CATEGORIES Below are the categories we have been nominated for and we'd love your vote in each of them. Catching Up to FI Best New Personal Finance Content Creator - Audio Content Creator of the Year: Audio People's Choice: Audio Best Financial Advisor Content/Jackie Cummings Koski, CFP Plutus Storyteller Award Best Traditional Retirement Content Best Personal Finance Content for Underserved Communities Best Personal Finance Content for Women Other categories Best New Personal Finance Content Creator - Written (F.I.R.E. for Dummies) Best New Personal Finance Book (F.I.R.E. for Dummies) Plutus Resilience Award (Jackie Cummings Koski) Best Financial Independence or Retire Early Content (F.I.R.E. for Dummies) 📩 Sign up for our newsletter NEW! 🌐 Visit Catching Up to FI website 🔗Connect with us ☕ Like what you hear on Catching Up to FI? Support the show at "Buy Me a Coffee" 🎙️We love hearing from you! Record a Voice Message with your feedback or question Record a Voice Message with your feedback or question DEALS & DISCOUNTS FROM OUR TRUSTED PARTNERS For a full list of current deals and discounts from our partners, sponsors and affiliates, click here: catchinguptofi.com/our-partners RESOURCES MENTIONED ON THE SHOW: (As an Amazon Associate, I earn from qualifying purchases.) Charity: Jonathan Clements Getting Going on Savings Initiative 📘 The Best of Jonathan Clements: Timeless Advice for a Financial Life Well Lived 🌐Jon's Website Jon's Sample Financial Reviews Jon' Thesis paper: Measuring the Value Added by Alternative Assets within the Investment Pools of Non-profit Organization Bogleheads Live- Episode 39: Disability Insurance Kitces Article: Why Tax-Loss Harvesting During Down Markets Isn't Always A Good Idea Bogleheads on Investing Podcast Bogleheads Investment Policy Statement The John C. Bogle Center for Financial Literacy 2025 Bogleheads Conference (Oct 17-19, San Antonio) ⏰ 'Catching Up to FI' Episodes referenced Retirement Remix: Crafting Financial Futures with Purpose | Christine Benz | 117 Tactical Tips and Tripwires: The DIY Financial Planner's Guide | Cody Garrett | 112 How to Think About Money | Jonathan Clements | 040 How a Second Grader Beats Wall Street | Allan Roth | 033 If you enjoyed this episode, please follow the show on your podcast player and leave us a rating or review. If you want to watch, be sure to subscribe to our YouTube Channel. This helps others find the show and keeps us creating great content for you! ⚠️Disclaimer: Our content is for general education and information purposes only. We are not providing financial, legal, or tax advice. Always do your own research or consult a professional before making important decisions.

Bogleheads favorite Jon Luskin, CFP® drops in for a masterclass on keeping money moves "so dull they sparkle." He specializes in providing hourly advice to do-it-yourself investors and is a long-time advocate of simple, low-cost investing. In this episode he shares with us: Why every late-starter's to-do list should begin with an emergency fund and Social Security game plan before touching their asset mix How low fees—not "sexy" alts—make numbers grow His soup-to-nuts review (including insurance gaps, estate docs and Investor Policy Statement) How simplicity wins This is the first part of a 2 part episode. Click here to listen to part 2. === VOTE FOR US: PLUTUS AWARDS === We need your vote for the 2025 Plutus Awards! You can now vote for your hosts behind "Catching Up to FI" - Bill Yount & Jackie Cummings Koski. ✅ WHAT IS THE PLUTUS AWARDS? The Plutus Awards recognize excellence in independent financial content. That's the best podcasts, books, video channels, blogs, and more. ✅ VOTE If you've gotten value from our content and think we are worthy of recognition, please support by casting your votes here > >> https://plutus.awardsplatform.com/. There's a short registration needed to vote and you'll be in and out in just a few minutes. ✅ DEADLINE The deadline to vote is August 30th, 2025. Winners will be announced in October. ✅ CATEGORIES Below are the categories we have been nominated for and we'd love your vote in each of them. Catching Up to FI Best New Personal Finance Content Creator - Audio Content Creator of the Year: Audio People's Choice: Audio Best Financial Advisor Content/Jackie Cummings Koski, CFP Plutus Storyteller Award Best Traditional Retirement Content Best Personal Finance Content for Underserved Communities Best Personal Finance Content for Women Other categories Best New Personal Finance Content Creator - Written (F.I.R.E. for Dummies) Best New Personal Finance Book (F.I.R.E. for Dummies) Plutus Resilience Award (Jackie Cummings Koski) Best Financial Independence or Retire Early Content (F.I.R.E. for Dummies) 📩 Sign up for our newsletter NEW! 🌐 Visit Catching Up to FI website 🔗Connect with us ☕ Like what you hear on Catching Up to FI? Support the show at "Buy Me a Coffee" 🎙️We love hearing from you! Record a Voice Message with your feedback or question Record a Voice Message with your feedback or question DEALS & DISCOUNTS FROM OUR TRUSTED PARTNERS For a full list of current deals and discounts from our partners, sponsors and affiliates, click here: catchinguptofi.com/our-partners RESOURCES MENTIONED ON THE SHOW: (As an Amazon Associate, I earn from qualifying purchases.) Charity: Jonathan Clements Getting Going on Savings Initiative 📘 The Best of Jonathan Clements: Timeless Advice for a Financial Life Well Lived 🌐Jon's Website Jon's Sample Financial Reviews Jon' Thesis paper: Measuring the Value Added by Alternative Assets within the Investment Pools of Non-profit Organization Bogleheads Live- Episode 39: Disability Insurance Kitces Article: Why Tax-Loss Harvesting During Down Markets Isn't Always A Good Idea Bogleheads on Investing Podcast Bogleheads Investment Policy Statement The John C. Bogle Center for Financial Literacy 2025 Bogleheads Conference (Oct 17-19, San Antonio) ⏰ 'Catching Up to FI' Episodes referenced Retirement Remix: Crafting Financial Futures with Purpose | Christine Benz | 117 Tactical Tips and Tripwires: The DIY Financial Planner's Guide | Cody Garrett | 112 How to Think About Money | Jonathan Clements | 040 How a Second Grader Beats Wall Street | Allan Roth | 033 If you enjoyed this episode, please follow the show on your podcast player and leave us a rating or review. If you want to watch, be sure to subscribe to our YouTube Channel. This helps others find the show and keeps us creating great content for you! ⚠️Disclaimer: Our content is for general education and information purposes only. We are not providing financial, legal, or tax advice. Always do your own research or consult a professional before making important decisions.

You asked and we answered! In this episode we tackle listener questions with more than just a one-sentence response… we go deeper and give you answers with our thoughtful insights, ideas and considerations important to late starters. These are the questions we cover on today's show: ✅ Bill's costly mistake with whole-life insurance; what should you do instead? ✅ How does the $19,000 annual gift tax exclusion work? ✅ Do I have too much in cash as I'm approaching retirement? ✅ I'm new to investing and pay someone to manage my 401(k). I also want to start a Roth IRA, is now a good time? ✅ What if you're low income and can barely save, how do you move the needle? ✅ What is the middle class trap? 📩 Sign up for our newsletter NEW! 🌐 Visit Catching Up to FI website 🔗Connect with us ☕ Like what you hear on Catching Up to FI? Support the show at "Buy Me a Coffee" 🎙️We love hearing from you! Record a Voice Message with your feedback or question Record a Voice Message with your feedback or question ===DEALS & DISCOUNTS FROM OUR TRUSTED PARTNERS=== 🎓 Student Loan Planner: Get a custom student loan plan from our CFP®, CFA and CSLP® professionals. They charge a one-time fee for their thorough review. Our listeners receive $100 off a 1:1 consult using the link below. Flat fee is normally $595, but after your $100 off 'Catching Up to FI' discount, it's $495. 👉🏼 Be sure to use this link: studentloanplanner.com/catchingup 📈 Boldin (formerly NewRetirement): Retirement planning software that's like having a financial advisor at your fingertips. You can get started with the free version or choose the premium option (PlannerPlus) and get a 14-day free trial. 👉🏼 Be sure to use this link to get started: Go.boldin.com/catchingup Personal Finance Club: Use code CUTOFI to get $30 OFF any course or PFC investing course only Nectarine: Advice-Only and Flat-Fee Hourly Fiduciary Financial Advisors (Catching Up to FI will be compensated by Nectarine if you use our affiliate link, which creates an incentive and conflict of interest. We are not current clients or employees of Nectarine.) For a full list of current deals and discounts from our partners, sponsors and affiliates, click here: catchinguptofi.com/our-partners RESOURCES MENTIONED ON THE SHOW: (As an Amazon Associate, I earn from qualifying purchases.) 📕F.I.R.E. For Dummies by Jackie Cummings Koski 📗The Wealth Ladder by Nick Maggiulli Podcast episode with Nick Maggiulli coming July 27th, 2025 Rebel Finance School Portfolio Visualizer ⏰ 'Catching Up to FI' Episodes referenced A Boat Named YOLO | Bill Yount | 001 From Poverty to Wealth and Early Retirement | Jackie Cummings Koski | 007 SpongeBob and Drawdown Strategies | Frank Vasquez | 044 Life & Taxes | Sean Mullaney | 013 72(t) Expert Tells All: No More Secrets About Early Withdrawals (Part 1) | Bill Stecker | 131 Cashing in on 72(t): The Goldmine of Early Retirement Rules (Part2) | Bill Stecker | 133 If you enjoyed this episode, please follow the show on your podcast player and leave us a rating or review. If you want to watch, be sure to subscribe to our YouTube Channel. This helps others find the show and keeps us creating great content for you! ⚠️Disclaimer: Our content is for general education and information purposes only. We are not providing financial, legal, or tax advice. Always do your own research or consult a professional before making important decisions.

On this mid-week episode we join the upbeat creators of 'Rebel Finance School', Alan and Katie Donegan, for a turbo-charged pep rally aimed at every late-starter who's ever whispered "it's too late for me." We kicked off the Donegans' free 10-week course that's helping thousands around the world on their journey to FI. 📩 Sign up for our newsletter NEW! 🌐 Visit Catching Up to FI website 🔗Connect with us ☕ Like what you hear on Catching Up to FI? Support the show at "Buy Me a Coffee" 🎙️We love hearing from you! Record a Voice Message with your feedback or question Record a Voice Message with your feedback or question ===DEALS & DISCOUNTS FROM OUR TRUSTED PARTNERS=== 🎓 Student Loan Planner: Get a custom student loan plan from our CFP®, CFA and CSLP® professionals. They charge a one-time fee for their thorough review. Our listeners receive $100 off a 1:1 consult using the link below. Flat fee is normally $595, but after your $100 off 'Catching Up to FI' discount, it's $495. 👉🏼 Be sure to use this link: studentloanplanner.com/catchingup 📈 Boldin (formerly NewRetirement): Retirement planning software that's like having a financial advisor at your fingertips. You can get started with the free version or choose the premium option (PlannerPlus) and get a 14-day free trial. 👉🏼 Be sure to use this link to get started: Go.boldin.com/catchingup Personal Finance Club: Use code CUTOFI to get $30 OFF any course or PFC investing course only Nectarine: Advice-Only and Flat-Fee Hourly Fiduciary Financial Advisors (Catching Up to FI will be compensated by Nectarine if you use our affiliate link, which creates an incentive and conflict of interest. We are not current clients or employees of Nectarine.) For a full list of current deals and discounts from our partners, sponsors and affiliates, click here: catchinguptofi.com/our-partners RESOURCES MENTIONED ON THE SHOW: (As an Amazon Associate, I earn from qualifying purchases.) 🌐Rebel Finance School 🎶New Album: Money Revolution: The World's First Financial Independence Music Album! 📙New Book: 'The Rebels' Guide to Financial Freedom: Simple Missions to take you from Zero to Money Superhero Rebel Entrepreneur Podcast Rebel Donegans YouTube ⏰ 'Catching Up to FI' Episodes referenced Not Just Another Album, It's A Money Revolution! | Alan & Katie Donegan | 129 Indiana Jones and an Extraordinary Life with the Donegans | Alan and Katie Donegan | 079 If you enjoyed this episode, please follow the show on your podcast player and leave us a rating or review. If you want to watch, be sure to subscribe to our YouTube Channel. This helps others find the show and keeps us creating great content for you! ⚠️Disclaimer: Our content is for general education and information purposes only. We are not providing financial, legal, or tax advice. Always do your own research or consult a professional before making important decisions.

Jillian Johnsrud—mini-retirement evangelist, mother of five, and author of 'Retire Often'—returns to show us why pressing pause can be the ultimate career accelerator. In this episode she explains the three hallmarks of a bona-fide mini retirement and the three ways to snag one: 1️⃣ Negotiate a sabbatical 2️⃣ Slot it between jobs 3️⃣ Pounce when life throws an unexpected layoff or family crisis 📩 Sign up for our newsletter NEW! 🌐 Visit Catching Up to FI website 🔗Connect with us ☕ Like what you hear on Catching Up to FI? Support the show at "Buy Me a Coffee" 🎙️We love hearing from you! Record a Voice Message with your feedback or question Record a Voice Message with your feedback or question ===DEALS & DISCOUNTS FROM OUR TRUSTED PARTNERS=== 🎓 Student Loan Planner: Get a custom student loan plan from our CFP®, CFA and CSLP® professionals. They charge a one-time fee for their thorough review. Our listeners receive $100 off a 1:1 consult using the link below. Flat fee is normally $595, but after your $100 off 'Catching Up to FI' discount, it's $495. 👉🏼 Be sure to use this link: studentloanplanner.com/catchingup 📈 Boldin (formerly NewRetirement): Retirement planning software that's like having a financial advisor at your fingertips. You can get started with the free version or choose the premium option (PlannerPlus) and get a 14-day free trial. 👉🏼 Be sure to use this link to get started: Go.boldin.com/catchingup Personal Finance Club: Use code CUTOFI to get $30 OFF any course or PFC investing course only Nectarine: Advice-Only and Flat-Fee Hourly Fiduciary Financial Advisors (Catching Up to FI will be compensated by Nectarine if you use our affiliate link, which creates an incentive and conflict of interest. We are not current clients or employees of Nectarine.) For a full list of current deals and discounts from our partners, sponsors and affiliates, click here: catchinguptofi.com/our-partners RESOURCES MENTIONED ON THE SHOW: (As an Amazon Associate, I earn from qualifying purchases.) Charity: The Hope Effect 🌐 Retire Often 📘 Retire Often Book 🎙️Retire Often Podcast Free Opt-In Worksheets: Planning Negotiating Workbook Group Coaching ⏰ 'Catching Up to FI' Episodes referenced Retire Often | Jillian Johnsrud | 043 If you enjoyed this episode, please follow the show on your podcast player and leave us a rating or review. If you want to watch, be sure to subscribe to our YouTube Channel. This helps others find the show and keeps us creating great content for you! ⚠️Disclaimer: Our content is for general education and information purposes only. We are not providing financial, legal, or tax advice. Always do your own research or consult a professional before making important decisions.

On this mid-week episode, we're switching it up again. This time Bill joins the 'Finance for Physicians' podcast with host Daniel Wrenne, CFP®. In this vulnerable interview, Bill owns up to every late-starter mistake—credit-card splurges, 'free' advisors, and lifestyle creep after a twin-sized home upgrade. Then he slings real-world antidotes: pause-plan-pivot, backward budgeting, downsizing the McMansion, and letting Social Security's 'inflation-proof annuity' finish the job. Bill's best advice is that physicians should treat money like they treat medicine—learn the language, follow the protocol, and stop ignoring the labs. Now a Financially Independent Physician, we're giving Bill a new name: the (FI)sician! 📩 Sign up for our newsletter NEW! 🌐 Visit Catching Up to FI website 🔗Connect with us ☕ Like what you hear on Catching Up to FI? Support the show at "Buy Me a Coffee" 🎙️We love hearing from you! Record a Voice Message with your feedback or question Record a Voice Message with your feedback or question ===DEALS & DISCOUNTS FROM OUR TRUSTED PARTNERS=== 🎓 Student Loan Planner: Get a custom student loan plan from our CFP®, CFA and CSLP® professionals. They charge a one-time fee for their thorough review. Our listeners receive $100 off a 1:1 consult using the link below. Flat fee is normally $595, but after your $100 off 'Catching Up to FI' discount, it's $495. 👉🏼 Be sure to use this link: studentloanplanner.com/catchingup 📈 Boldin (formerly NewRetirement): Retirement planning software that's like having a financial advisor at your fingertips. You can get started with the free version or choose the premium option (PlannerPlus) and get a 14-day free trial. 👉🏼 Be sure to use this link to get started: Go.boldin.com/catchingup Personal Finance Club: Use code CUTOFI to get $30 OFF any course or PFC investing course only Nectarine: Advice-Only and Flat-Fee Hourly Fiduciary Financial Advisors (Catching Up to FI will be compensated by Nectarine if you use our affiliate link, which creates an incentive and conflict of interest. We are not current clients or employees of Nectarine.) For a full list of current deals and discounts from our partners, sponsors and affiliates, click here: catchinguptofi.com/our-partners RESOURCES MENTIONED ON THE SHOW: (As an Amazon Associate, I earn from qualifying purchases.) 🌐Finance for Physicians The White Coat Investor Physician On FIRE Open Social Security If you enjoyed this episode, please follow the show on your podcast player and leave us a rating or review. If you want to watch, be sure to subscribe to our YouTube Channel. This helps others find the show and keeps us creating great content for you! ⚠️Disclaimer: Our content is for general education and information purposes only. We are not providing financial, legal, or tax advice. Always do your own research or consult a professional before making important decisions.

In this episode we are joined by Cary Carbonaro, an award-winning author, and Certified Financial Planner™ with over 25 years of experience. Her specialty is empowering women to discover their unique path to financial independence. One thing we love the most about Cary is how radically transparent she is with her clients. Just call her the "Queen of Transparency" because she shares her tax return, investment portfolio and other parts of her financial life with them. In our conversation with her we discuss: The Great Wealth Transfer that she talks about in her latest book, 'Women and Wealth.' The unique needs of women and the psychology driving their financial decisions. The played out "widows and divorcees" stereotypes of women. Her analogy of comparing different shoes to asset classes. What women really want from financial professionals (hint: it's not just beating the market). 📩 Sign up for our newsletter NEW! 🌐 Visit Catching Up to FI website 🔗Connect with us ☕ Like what you hear on Catching Up to FI? Support the show at "Buy Me a Coffee" 🎙️We love hearing from you! Record a Voice Message with your feedback or question Record a Voice Message with your feedback or question ===DEALS & DISCOUNTS FROM OUR TRUSTED PARTNERS=== 🎓 Student Loan Planner: Get a custom student loan plan from our CFP®, CFA and CSLP® professionals. They charge a one-time fee for their thorough review. Our listeners receive $100 off a 1:1 consult using the link below. Flat fee is normally $595, but after your $100 off 'Catching Up to FI' discount, it's $495. 👉🏼 Be sure to use this link: studentloanplanner.com/catchingup 📈 Boldin (formerly NewRetirement): Retirement planning software that's like having a financial advisor at your fingertips. You can get started with the free version or choose the premium option (PlannerPlus) and get a 14-day free trial. 👉🏼 Be sure to use this link to get started: Go.boldin.com/catchingup Personal Finance Club: Use code CUTOFI to get $30 OFF any course or PFC investing course only Nectarine: Advice-Only and Flat-Fee Hourly Fiduciary Financial Advisors (Catching Up to FI will be compensated by Nectarine if you use our affiliate link, which creates an incentive and conflict of interest. We are not current clients or employees of Nectarine.) For a full list of current deals and discounts from our partners, sponsors and affiliates, click here: catchinguptofi.com/our-partners RESOURCES MENTIONED ON THE SHOW: (As an Amazon Associate, I earn from qualifying purchases.) Charity: Girl Scouts 🌐Cary Carbonaro 📗Women and Wealth: A Playbook to Empower Clients and Unlock Their Fortune 📕The Money Queen's Guide: For Women Who Want to Build Wealth and Banish Fear 📄Stepping Up Your Function and Style with Asset Classes ⏰ 'Catching Up to FI' Episodes referenced ATM Receipts, Origami, and Unravelling Your Relationship With Money | Shannah Game | 123 The Power of Cash Flow Planning | Sarah-Catherine Gutierrez | 016 If you enjoyed this episode, please follow the show on your podcast player and leave us a rating or review. If you want to watch, be sure to subscribe to our YouTube Channel. This helps others find the show and keeps us creating great content for you! ⚠️Disclaimer: Our content is for general education and information purposes only. We are not providing financial, legal, or tax advice. Always do your own research or consult a professional before making important decisions.

This mid-week episode is the recording of a session done with the smart women of the WE (Women Empowered) Wealth Collective, titled: What Every Woman Should Know About Minimizing Taxes in Retirement. 'Catching Up to FI' co-host and author of 'F.I.R.E for Dummies', Jackie Cummings Koski, CFP®, AFC®, continues through an easy to follow checklist of tax considerations in retirement. She demo-drives 72(t) and RMD calculators, live-shops the ACA site to score premium tax credits, and shows how Medicare surcharges work. Topics for the series include: Age-band tax checklist (pre-55, 55-65, 65-75, 75+) Separating "macro" worry (markets, policy) from micro action (what you control) Early withdrawal strategies (Rule of 55/50, 72(t) / Equal Payments, HSAs, Affordable Care Act/Tax Credits, Brokerage Accounts, ect) Tax Minimizing tips during normal retirement (Social Security, Medicare Surcharge, Increased Standard Deduction, Balancing account types) Later in life considerations (RMDs, Qualified Charitable Distribution, Inheritances, ect) This is the second part of a two-part series and part 1 aired last Wednesday. This session references visuals from a presentation that is better viewed on youtube or you can follow along using this slide deck. Disclaimer for this session: The intent of this session is open discussion about money topics that makes us all a little smarter. The content is for general education and information purposes only, and is not providing financial, legal, or tax advice. Always do your own research or consult a professional before making important decisions. 🌐 Visit Catching Up to FI website 🔗Connect with us 📩 Sign up for our newsletter ☕ Like what you hear on Catching Up to FI? Support the show at "Buy Me a Coffee" 🎙️We love hearing from you! Record a Voice Message with your feedback or question Record a Voice Message with your feedback or question ===DEALS & DISCOUNTS FROM OUR TRUSTED PARTNERS=== 🎓 Student Loan Planner: Get a custom student loan plan from our CFP®, CFA and CSLP® professionals. They charge a one-time fee for their thorough review. Our listeners receive $100 off a 1:1 consult using the link below. Flat fee is normally $595, but after your $100 off 'Catching Up to FI' discount, it's $495. 👉🏼 Be sure to use this link: studentloanplanner.com/catchingup 📈 Boldin (formerly NewRetirement): Retirement planning software that's like having a financial advisor at your fingertips. You can get started with the free version or choose the premium option (PlannerPlus) and get a 14-day free trial. 👉🏼 Be sure to use this link to get started: Go.boldin.com/catchingup Personal Finance Club: Use code CUTOFI to get $30 OFF any course or PFC investing course only Nectarine: Advice-Only and Flat-Fee Hourly Fiduciary Financial Advisors (Catching Up to FI will be compensated by Nectarine if you use our affiliate link, which creates an incentive and conflict of interest. We are not current clients or employees of Nectarine.) For a full list of current deals and discounts from our partners, sponsors and affiliates, click here: catchinguptofi.com/our-partners RESOURCES MENTIONED ON THE SHOW: (As an Amazon Associate, I earn from qualifying purchases.) WE Wealth Collective (Facebook Group) WE Wealth Collective is a group dedicated to empowering women to take control of their finances, cultivate abundance in every aspect of life, and live boldly on their own terms. 🌐JackieCummingsKoski.com 📕F.I.R.E. For Dummies 📘Money Letters 2 My Daughter Jackie's EconoMe Talk Sarah Catherine "SC" Gutierrez Sarah Catherine "SC" Gutierrez talk at EconoMe Official IRS Tax Code & Publications 📗But First, Save 10 Official IRS Tax Code & Publications Healthcare.gov – ACA Enrollment & Subsidy Calculator 72tCalc.com Dinkytown.net ⏰ 'Catching Up to FI' Episodes Mind Blowing ways to Maximize Your Health Savings Account (HSA) | Jeff York | 98 Maximizing HSAs Part 2: Devising Drawdowns, Badass Scenarios, Listener Questions | Jeff York | 99 https://youtu.be/36S67X4s4pc?si=UzbaPS2qJcO3ri2W 72(t) Expert Tells All: No More Secrets About Early Withdrawals (Part 1) | Bill Stecker | 131 Cashing in on 72(t): The Goldmine of Early Retirement Rules (Part2) | Bill Stecker | 133 Social Security Made Simple | Mike Piper | 054 Life & Taxes | Sean Mullaney | 013 Attorney Spilling all the Legal Tea on Estate Planning | Jenny Rozelle | 121 If you enjoyed this episode, please follow the show on your podcast player and leave us a rating or review. If you want to watch, be sure to subscribe to our YouTube Channel. This helps others find the show and keeps us creating great content for you! ⚠️Disclaimer: Our content is for general education and information purposes only. We are not providing financial, legal, or tax advice. Always do your own research or consult a professional before making important decisions.

Mention financial independence and one of the first names that come up is JL Collins, author of the bestselling book 'The Simple Path to Wealth'. In fact, he is affectionately known as the Godfather of FI. One million copies and 10 years after its original publication, JL back with a shiny new, revised and expanded edition... and it just hit the New York Times Bestseller list!!! We know you've heard and seen JL all over the place because he is a BIG deal. But we uncovered some intriguing facts about his life and career that isn't often talked about (we're just curious like that). Here are five things you probably didn't know about JL Collins that we discuss in this episode: Before he ever started writing about financial independence, he worked in the magazine publishing industry. He was a job-hopper throughout his career to make more money and took lots of sabbaticals because he liked working, just not all the time. He started writing his blog to teach is daughter (Jessica) about investing, problem was… she wasn't listening when she was a kid. His daughter (Jessica) is now in her thirties and turns out, she has gained a deep understanding of his teachings (way more than he originally thought). She's now firmly on the path to FI and just left her corporate job. His daughter Jessica was part of his team in updating the new version of 'The Simple to Wealth' and getting to work so closely with her was the most gratifying part for him as a dad. 📩 Sign up for our newsletter NEW! 🌐 Visit Catching Up to FI website 🔗Connect with us ☕ Like what you hear on Catching Up to FI? Support the show at "Buy Me a Coffee" 🎙️We love hearing from you! Record a Voice Message with your feedback or question Record a Voice Message with your feedback or question ===DEALS & DISCOUNTS FROM OUR TRUSTED PARTNERS=== 🎓 Student Loan Planner: Get a custom student loan plan from our CFP®, CFA and CSLP® professionals. They charge a one-time fee for their thorough review. Our listeners receive $100 off a 1:1 consult using the link below. Flat fee is normally $595, but after your $100 off 'Catching Up to FI' discount, it's $495. 👉🏼 Be sure to use this link: studentloanplanner.com/catchingup 📈 Boldin (formerly NewRetirement): Retirement planning software that's like having a financial advisor at your fingertips. You can get started with the free version or choose the premium option (PlannerPlus) and get a 14-day free trial. 👉🏼 Be sure to use this link to get started: Go.boldin.com/catchingup Personal Finance Club: Use code CUTOFI to get $30 OFF any course or PFC investing course only Nectarine: Advice-Only and Flat-Fee Hourly Fiduciary Financial Advisors (Catching Up to FI will be compensated by Nectarine if you use our affiliate link, which creates an incentive and conflict of interest. We are not current clients or employees of Nectarine.) For a full list of current deals and discounts from our partners, sponsors and affiliates, click here: catchinguptofi.com/our-partners RESOURCES MENTIONED ON THE SHOW: (As an Amazon Associate, I earn from qualifying purchases.) 🌐JLCollinsnh.com 📗 The Simple Path to Wealth (Revised & Expanded 2025 Edition & NYT Best Seller!) : Your Road Map to Financial Independence and a Rich, Free Life 📕 Pathfinders: Extraordinary Stories of People Like You on the Quest for Financial Independence—and How to Join Them 📘 How I Lost Money in Real Estate Before It Was Fashionable: A Cautionary Tale ⏰ 'Catching Up to FI' Episodes referenced Pathfinders: Triumphs and Trials on the Road to Financial Independence | JL Collins | 070 Pathfinders: Stories of Success and Financial Independence | JL Collins | 069 F-You Money Part 2 | JL Collins | 024 F-You Money Part 1 | JL Collins | 023 Mr 4% is now Mr 5% | Bill Bengen | 111 Sustainable FIlosophy with Mr. Money Mustache | Pete Adeney | 073 If you enjoyed this episode, please follow the show on your podcast player and leave us a rating or review. If you want to watch, be sure to subscribe to our YouTube Channel. This helps others find the show and keeps us creating great content for you! ⚠️Disclaimer: Our content is for general education and information purposes only. We are not providing financial, legal, or tax advice. Always do your own research or consult a professional before making important decisions.

Tax talk without the snooze-fest! This mid-week episode is the recording of a session done with the smart women of the WE (Women Empowered) Wealth Collective, titled: What Every Woman Should Know About Minimizing Taxes in Retirement. 'Catching Up to FI' co-host and author of 'F.I.R.E for Dummies' Jackie Cummings Koski, CFP®, AFC®, turns this insightful discussion into a masterclass on trimming Uncle Sam's tab at every phase of retirement. Jackie rewinds to her own FIRE (Financial Independence, Retire Early) journey: the divorce-day "401(k) gap" that lit her savings rocket, supersizing her HSA past $200,000, and hitting FI at 49 with a 40% savings rate. Expect plain-English breakdowns, plenty of 'there are no dumb questions' crowd chat, and Jackie's trademark mix of CFP level and girlfriend realness. Topics for the series include: Age-band tax checklist (pre-55, 55-65, 65-75, 75+) Separating "macro" worry (markets, policy) from micro action (what you control) Early withdrawal strategies (Rule of 55/50, 72(t) / Equal Payments, HSAs, Affordable Care Act/Tax Credits, Brokerage Accounts, ect) Tax Minimizing tips during normal retirement (Social Security, Medicare Surcharge, Increased Standard Deduction, Balancing account types) Later in life considerations (RMDs, Qualified Charitable Distribution, Inheritances, ect) This is part one of a two-part series and the second part will be aired next Wednesday (6/18/25). This session references visuals from a presentation that is better viewed on youtube or you can follow along using this slide deck. Disclaimer for this session: The intent of this session is open discussion about money topics that makes us all a little smarter. The content is for general education and information purposes only, and is not providing financial, legal, or tax advice. Always do your own research or consult a professional before making important decisions. 🌐 Visit Catching Up to FI website 🔗Connect with us 📩 Sign up for our newsletter ☕ Like what you hear on Catching Up to FI? Support the show at "Buy Me a Coffee" 🎙️We love hearing from you! Record a Voice Message with your feedback or question Record a Voice Message with your feedback or question ===DEALS & DISCOUNTS FROM OUR TRUSTED PARTNERS=== 🎓 Student Loan Planner: Get a custom student loan plan from our CFP®, CFA and CSLP® professionals. They charge a one-time fee for their thorough review. Our listeners receive $100 off a 1:1 consult using the link below. Flat fee is normally $595, but after your $100 off 'Catching Up to FI' discount, it's $495. 👉🏼 Be sure to use this link: studentloanplanner.com/catchingup 📈 Boldin (formerly NewRetirement): Retirement planning software that's like having a financial advisor at your fingertips. You can get started with the free version or choose the premium option (PlannerPlus) and get a 14-day free trial. 👉🏼 Be sure to use this link to get started: Go.boldin.com/catchingup Personal Finance Club: Use code CUTOFI to get $30 OFF any course or PFC investing course only Nectarine: Advice-Only and Flat-Fee Hourly Fiduciary Financial Advisors (Catching Up to FI will be compensated by Nectarine if you use our affiliate link, which creates an incentive and conflict of interest. We are not current clients or employees of Nectarine.) For a full list of current deals and discounts from our partners, sponsors and affiliates, click here: catchinguptofi.com/our-partners RESOURCES MENTIONED ON THE SHOW: (As an Amazon Associate, I earn from qualifying purchases.) WE Wealth Collective (Facebook Group) WE Wealth Collective is a group dedicated to empowering women to take control of their finances, cultivate abundance in every aspect of life, and live boldly on their own terms. 🌐JackieCummingsKoski.com 📕F.I.R.E. For Dummies 📘Money Letters 2 My Daughter Jackie's EconoMe Talk Sarah Catherine "SC" Gutierrez Sarah Catherine "SC" Gutierrez talk at EconoMe Official IRS Tax Code & Publications 📗But First, Save 10 Official IRS Tax Code & Publications Healthcare.gov – ACA Enrollment & Subsidy Calculator 72tCalc.com Dinkytown.net ⏰ 'Catching Up to FI' Episodes Mind Blowing ways to Maximize Your Health Savings Account (HSA) | Jeff York | 98 Maximizing HSAs Part 2: Devising Drawdowns, Badass Scenarios, Listener Questions | Jeff York | 99 72(t) Expert Tells All: No More Secrets About Early Withdrawals (Part 1) | Bill Stecker | 131 Cashing in on 72(t): The Goldmine of Early Retirement Rules (Part2) | Bill Stecker | 133 Social Security Made Simple | Mike Piper | 054 Life & Taxes | Sean Mullaney | 013 Attorney Spilling all the Legal Tea on Estate Planning | Jenny Rozelle | 121 If you enjoyed this episode, please follow the show on your podcast player and leave us a rating or review. If you want to watch, be sure to subscribe to our YouTube Channel. This helps others find the show and keeps us creating great content for you! ⚠️Disclaimer: Our content is for general education and information purposes only. We are not providi

Wall Street has us all on edge right now, so we called in one of the smartest people we know when it comes to stock market to help us make sense of it all, Sam Stovall. Sam is CFRA's Chief Strategist and a market historian that knows his stuff! He joins us in this episode to discuss: What stock market history tells us about the shaky situation we're in today What tariffs really have to do with the stock market and economy The 'rebalance' rule Mid-term election tailwinds Where the federal reserve fits into all of this 📩 Sign up for our newsletter NEW! 🌐 Visit Catching Up to FI website 🔗Connect with us ☕ Like what you hear on Catching Up to FI? Support the show at "Buy Me a Coffee" 🎙️We love hearing from you! Record a Voice Message with your feedback or question Record a Voice Message with your feedback or question ===DEALS & DISCOUNTS FROM OUR TRUSTED PARTNERS=== 🎓 Student Loan Planner: Get a custom student loan plan from our CFP®, CFA and CSLP® professionals. They charge a one-time fee for their thorough review. Our listeners receive $100 off a 1:1 consult using the link below. Flat fee is normally $595, but after your $100 off 'Catching Up to FI' discount, it's $495. 👉🏼 Be sure to use this link: studentloanplanner.com/catchingup 📈 Boldin (formerly NewRetirement): Retirement planning software that's like having a financial advisor at your fingertips. You can get started with the free version or choose the premium option (PlannerPlus) and get a 14-day free trial. 👉🏼 Be sure to use this link to get started: Go.boldin.com/catchingup Personal Finance Club: Use code CUTOFI to get $30 OFF any course or PFC investing course only Nectarine: Advice-Only and Flat-Fee Hourly Fiduciary Financial Advisors (Catching Up to FI will be compensated by Nectarine if you use our affiliate link, which creates an incentive and conflict of interest. We are not current clients or employees of Nectarine.) For a full list of current deals and discounts from our partners, sponsors and affiliates, click here: catchinguptofi.com/our-partners RESOURCES MENTIONED ON THE SHOW: (As an Amazon Associate, I earn from qualifying purchases.) Charity- W!SE (Working in Support of Education) 🌐CFRA Research 📗The Seven Rules of Wall Street 📕Standard & Poor's Sector Investing 📘Stock Trader's Almanac BetterInvesting.org National Bureau of Economic Research ⏰ 'Catching Up to FI' Episodes referenced Catching Up to FI in Uncertain Times | Bill & Jackie | 138 Bonus Episode: The Market is Crashing, Now What? | Bill & Jackie | 135 If you enjoyed this episode, please follow the show on your podcast player and leave us a rating or review. If you want to watch, be sure to subscribe to our YouTube Channel. This helps others find the show and keeps us creating great content for you! ⚠️Disclaimer: Our content is for general education and information purposes only. We are not providing financial, legal, or tax advice. Always do your own research or consult a professional before making important decisions.

We just hit 1 Million Podcast Downloads... that puts us in the top 1% of podcasts world wide!!! And we have you to thank 💞 This is a special message from Bill and Jackie to everyone that helped the podcast grow to this level. We are so grateful for the support and looking forward to the next million downloads with our regular Sunday episodes and occasional pop-up episodes on Wednesdays. 🌐 Visit Catching Up to FI website 🔗Connect with us 📩Sign up for our newsletter ☕ Like what you hear on Catching Up to FI? Support the show at "Buy Me a Coffee" 🎙️We love hearing from you! Record a Voice Message with your feedback or question Record a Voice Message with your feedback or question ===DEALS & DISCOUNTS FROM OUR TRUSTED PARTNERS=== For a full list of current deals and discounts from our partners, sponsors and affiliates, click here: catchinguptofi.com/our-partners If you enjoyed this episode, please follow the show on your podcast player and leave us a rating or review. If you want to watch, be sure to subscribe to our YouTube Channel. This helps others find the show and keeps us creating great content for you! ⚠️Disclaimer: Our content is for general education and information purposes only. We are not providing financial, legal, or tax advice. Always do your own research or consult a professional before making important decisions.

In this episode we are joined by Julien and Kiersten Saunders, co-creators of rich & REGULAR and authors of 'Cashing Out: Win the Wealth Game by Walking Away'. What started as a blog in 2017 has grown into a multimedia powerhouse, all centered around their mission… to inspire better conversations about money. Hear why Julien walked out of corporate life before he had 'FU money,' and how Kiersten's Valentine's Day resignation collided with the pandemic. They also talk to us about: Their 15-year 'Cashing Out' career sprint The power of 'Money on the Table' (think Anthony Bourdain meets FIRE) The joy of raising an eight-year-old who calls 78-year-olds his besties A reminder that aiming for the heart—rather than the wallet—can turn any late start into a blockbuster finale 📩 Sign up for our newsletter NEW! 🌐 Visit Catching Up to FI website 🔗Connect with us ☕ Like what you hear on Catching Up to FI? Support the show at "Buy Me a Coffee" 🎙️We love hearing from you! Record a Voice Message with your feedback or question Record a Voice Message with your feedback or question ===DEALS & DISCOUNTS FROM OUR TRUSTED PARTNERS=== 🎓 Student Loan Planner: Get a custom student loan plan from our CFP®, CFA and CSLP® professionals. They charge a one-time fee for their thorough review. Our listeners receive $100 off a 1:1 consult using the link below. Flat fee is normally $595, but after your $100 off 'Catching Up to FI' discount, it's $495. 👉🏼 Be sure to use this link: studentloanplanner.com/catchingup 📈 Boldin (formerly NewRetirement): Retirement planning software that's like having a financial advisor at your fingertips. You can get started with the free version or choose the premium option (PlannerPlus) and get a 14-day free trial. 👉🏼 Be sure to use this link to get started: Go.boldin.com/catchingup Personal Finance Club: Use code CUTOFI to get $30 OFF any course or PFC investing course only Nectarine: Advice-Only and Flat-Fee Hourly Fiduciary Financial Advisors (Catching Up to FI will be compensated by Nectarine if you use our affiliate link, which creates an incentive and conflict of interest. We are not current clients or employees of Nectarine.) For a full list of current deals and discounts from our partners, sponsors and affiliates, click here: catchinguptofi.com/our-partners RESOURCES MENTIONED ON THE SHOW: (As an Amazon Associate, I earn from qualifying purchases.) Charity- Umi Feeds 🌐rich & REGULAR Blog 📗Cashing Out: Win the Wealth Game by Walking Away rich & REGULAR YouTube rich & REGULAR YouTube Episode 199: The late starters guide to investing after 40 rich & REGULAR: Taste the Impact | The Money Behind Every Meal Julien's talk at EconoMe Conference MarketWatch FIRE Starters video profiling rich & REGULAR Invest for Better ⏰ 'Catching Up to FI' Episodes referenced Vote Your Money: Values Aligned Investing | Janine Firpo | 139 Mom and Dad, We Need to Talk | Cameron Huddleston | 048 If you enjoyed this episode, please follow the show on your podcast player and leave us a rating or review. If you want to watch, be sure to subscribe to our YouTube Channel. This helps others find the show and keeps us creating great content for you! ⚠️Disclaimer: Our content is for general education and information purposes only. We are not providing financial, legal, or tax advice. Always do your own research or consult a professional before making important decisions.

Childhood crushes can bloom into full-blown FI fairy tales, and Paul and Amanda Mollenkopf are living proof. They join us to tell their story and showcase the world premiere of Paul's first book, 'Once Upon a FI.' What started out as letters to his daughter grew into a delightful collection of short stories inspired by timeless classics and fables. The book is a refreshing approach to spreading the message of financial independence to even the youngest readers. The clever analogies using classic tales inspire valuable generational conversations around money and include: The Tortoise and the Hare: A Race to Financial Independence The Odd Duckling: Finding the Like-Minded Jack and the Beanstalk: Magic Cards that Sprout Growing Debt The Boy Who Cried Wealth: A Lesson in Stealth Wealth The Three Little Pigs: Getting a Straw, Sticks or Bricks Mortgage Chicken Little: The Market is Falling A Spending Carol: The Spirits of Spending Past, Present and Future Oh, The Places You'll Go: The Things that You'll Do, with FI Community standing by You 🌐 Visit Catching Up to FI website 🔗Connect with us 📩Sign up for the newsletter ☕ Like what you hear on Catching Up to FI? Support the show at "Buy Me a Coffee" 🎙️We love hearing from you! Record a Voice Message with your feedback or question Record a Voice Message with your feedback or question ===DEALS & DISCOUNTS FROM OUR TRUSTED PARTNERS=== 🎓 Student Loan Planner: Get a custom student loan plan from our CFP®, CFA and CSLP® professionals. They charge a one-time fee for their thorough review. Our listeners receive $100 off a 1:1 consult using the link below. Flat fee is normally $595, but after your $100 off 'Catching Up to FI' discount, it's $495. 👉🏼 Be sure to use this link: studentloanplanner.com/catchingup 📈 Boldin (formerly NewRetirement): Retirement planning software that's like having a financial advisor at your fingertips. You can get started with the free version or choose the premium option (PlannerPlus) and get a 14-day free trial. 👉🏼 Be sure to use this link to get started: Go.boldin.com/catchingup Personal Finance Club: Use code CUTOFI to get $30 OFF any course or PFC investing course only Nectarine: Advice-Only and Flat-Fee Hourly Fiduciary Financial Advisors (Catching Up to FI will be compensated by Nectarine if you use our affiliate link, which creates an incentive and conflict of interest. We are not current clients or employees of Nectarine.) For a full list of current deals and discounts from our partners, sponsors and affiliates, click here: catchinguptofi.com/our-partners RESOURCES MENTIONED ON THE SHOW: (As an Amazon Associate, I earn from qualifying purchases.) 🌐Once Upon a FI 📗Once Upon a FI Charity- Freedom for FIDO 📕The Simple Path to Wealth 📘Your Money or Your Life Go Curry Cracker Mr. Money Mustache JL Collins The Retirement Manifesto 1500 Days to Freedom Afford Anything CampFI ⏰ 'Catching Up to FI' Episodes Enoughness: Your Life or Your Money | Vicki Robin | 95 Doña Quixote, Life Energy, and The Coming of Aging | Vicki Robin | 94 Sustainable FIlosophy with Mr. Money Mustache | Pete Adeney | 073 From Tech Stocks to Toilet Brushes: The Jensens' FI Journey | Mindy and Carl Jensen | 071 Pathfinders: Triumphs and Trials on the Road to Financial Independence | JL Collins | 070 Pathfinders: Stories of Success and Financial Independence | JL Collins | 069 Scamalot! | Paula Pant | 066 Stories, Hacks, & Tribes | Brad Barrett | 021 Hard & Soft Sides of Retirement | Fritz Gilbert | 019 If you enjoyed this episode, please follow the show on your podcast player and leave us a rating or review. If you want to watch, be sure to subscribe to our YouTube Channel. This helps others find the show and keeps us creating great content for you! ⚠️Disclaimer: Our content is for general education and information purposes only. We are not providing financial, legal, or tax advice. Always do your own research or consult a professional before making important decisions.

Aussie paramedic-turned-life-coach Tasch Rogers joins us to unpack the head-on crash that shattered her body, her finances—and ultimately her limiting beliefs. After a 30-year career as a first responder, she had to leave it all behind and start over. She became intimately familiar with the effects of trauma and PTSD, having personally navigated through her own healing journey. Now as a life coach with expertise in holistic modalities and various other disciplines, she helps others using a warm, compassionate, and non-judgmental approach. ***Trigger Warning: This episode includes discussions of mental health issues such as PTSD and suicide. These topics may be difficult for some listeners. If you need support, please consider reaching out to a trusted friend, professional, or crisis resource. Take care of yourself and listen at your own pace. 🌐 Visit Catching Up to FI website 🔗Connect with us ☕ Like what you hear on Catching Up to FI? Support the show at "Buy Me a Coffee" 🎙️We love hearing from you! Record a Voice Message with your feedback or question Record a Voice Message with your feedback or question ===DEALS & DISCOUNTS FROM OUR TRUSTED PARTNERS=== 🎓 Student Loan Planner: Get a custom student loan plan from our CFP®, CFA and CSLP® professionals. They charge a one-time fee for their thorough review. Our listeners receive $100 off a 1:1 consult using the link below. Flat fee is normally $595, but after your $100 off 'Catching Up to FI' discount, it's $495. 👉🏼 Be sure to use this link: studentloanplanner.com/catchingup 📈 Boldin (formerly NewRetirement): Retirement planning software that's like having a financial advisor at your fingertips. You can get started with the free version or choose the premium option (PlannerPlus) and get a 14-day free trial. 👉🏼 Be sure to use this link to get started: Go.boldin.com/catchingup Personal Finance Club: Use code CUTOFI to get $30 OFF any course or PFC investing course only Nectarine: Advice-Only and Flat-Fee Hourly Fiduciary Financial Advisors (Catching Up to FI will be compensated by Nectarine if you use our affiliate link, which creates an incentive and conflict of interest. We are not current clients or employees of Nectarine.) For a full list of current deals and discounts from our partners, sponsors and affiliates, click here: catchinguptofi.com/our-partners RESOURCES MENTIONED ON THE SHOW: (As an Amazon Associate, I earn from qualifying purchases.) 🌐Tasch's Transformational Teachings Charity: Kids with Cancer Foundation (Australia) Real Talk Finance (Amy Coroso) The Happy Saver (New Zealand) EconoMe Conference FI Freedom Retreat ⏰ 'Catching Up to FI' Episodes The Father of Financial Life Planning (Part 1) | George Kinder | 140 The Three Kinder Questions (Part 2) | George Kinder | 141 Avocado Toast & Guardians of the Galaxy | Amy Coroso | 018 Thunder Down Under | Late Starter Fire | 004 If you enjoyed this episode, please follow the show on your podcast player and leave us a rating or review. If you want to watch, be sure to subscribe to our YouTube Channel. This helps others find the show and keeps us creating great content for you! ⚠️Disclaimer: Our content is for general education and information purposes only. We are not providing financial, legal, or tax advice. Always do your own research or consult a professional before making important decisions.

Bill hops onto Jesse Cramer's 'Personal Finance for Long-Term Investors' (formally The Best Interest) podcast to spread the message that it's never too late to start. In this episode he shares: The messy, shame-to-FI journey that inspired Catching Up to FI His three-step "Pause-Plan-Pivot" playbook His trademark mix of candor, nerdy humor, and high-five optimism 🌐 Visit Catching Up to FI website 🔗Connect with us ☕ Like what you hear on Catching Up to FI? Support the show at "Buy Me a Coffee" 🎙️We love hearing from you! Record a Voice Message with your feedback or question Record a Voice Message with your feedback or question ===DEALS & DISCOUNTS FROM OUR TRUSTED PARTNERS=== 🎓 Student Loan Planner: Get a custom student loan plan from our CFP®, CFA and CSLP® professionals. They charge a one-time fee for their thorough review. Our listeners receive $100 off a 1:1 consult using the link below. Flat fee is normally $595, but after your $100 off 'Catching Up to FI' discount, it's $495. 👉🏼 Be sure to use this link: studentloanplanner.com/catchingup 📈 Boldin (formerly NewRetirement): Retirement planning software that's like having a financial advisor at your fingertips. You can get started with the free version or choose the premium option (PlannerPlus) and get a 14-day free trial. 👉🏼 Be sure to use this link to get started: Go.boldin.com/catchingup Personal Finance Club: Use code CUTOFI to get $30 OFF any course or PFC investing course only Nectarine: Advice-Only and Flat-Fee Hourly Fiduciary Financial Advisors (Catching Up to FI will be compensated by Nectarine if you use our affiliate link, which creates an incentive and conflict of interest. We are not current clients or employees of Nectarine.) For a full list of current deals and discounts from our partners, sponsors and affiliates, click here: catchinguptofi.com/our-partners RESOURCES MENTIONED ON THE SHOW: (As an Amazon Associate, I earn from qualifying purchases.) 🌐 Personal Finance For Long-Term Investors with Jesse Cramer ⏰ 'Catching Up to FI' Episodes Pathfinders: Stories of Success and Financial Independence | JL Collins | 069 Pathfinders: Triumphs and Trials on the Road to Financial Independence | JL Collins | 070 F-You Money Part 1 | JL Collins | 023 F-You Money Part 2 | JL Collins | 024 If you enjoyed this episode, please follow the show on your podcast player and leave us a rating or review. If you want to watch, be sure to subscribe to our YouTube Channel. This helps others find the show and keeps us creating great content for you! ⚠️Disclaimer: Our content is for general education and information purposes only. We are not providing financial, legal, or tax advice. Always do your own research or consult a professional before making important decisions.

George Kinder is the pioneering mind behind Life Planning and founder of the Kinder Institute. He joins us for the second half of our enlightening conversation about the essence of financial freedom from last week. George is best known as the Father of Life Planning and creator of The Three Kinder Questions that probe deeper into our hopes, dreams, and fears. This episode brings you: The real meaning behind the Kinder Questions A little live therapy session with Bill & Jackie as they share thier answers to the Kinder Questions The EVOKE life‑planning process (Exploration – Vision – Obstacles – Knowledge – Execution) The Three Domains of Freedom: the freedom of each moment, the freedom to live one's life purpose, and the freedom of civilization 'The Freedom Song' — written and performed by George Kinder & his daughter London Kinder Be sure to go back and listen to last week's episode 140 to catch the first part of our conversation with George Kinder. 🌐 Visit Catching Up to FI website 🔗Connect with us ☕ Like what you hear on Catching Up to FI? Support the show at "Buy Me a Coffee" 🎙️We love hearing from you! Record a Voice Message with your feedback or question Record a Voice Message with your feedback or question ===DEALS & DISCOUNTS FROM OUR TRUSTED PARTNERS=== 🎓 Student Loan Planner Get a custom student loan plan from our CFP®, CFA and CSLP® professionals. They charge a one-time fee for their thorough review. Our listeners receive $100 off a 1:1 consult using the link below. Flat fee is normally $595, but after your $100 off 'Catching Up to FI' discount, it's $495. 👉🏼 Be sure to use this link: studentloanplanner.com/catchingup For a full list of current deals and discounts from our partners, sponsors and affiliates, click here: catchinguptofi.com/our-partners RESOURCES MENTIONED ON THE SHOW: (As an Amazon Associate, I earn from qualifying purchases.) 🌐George Kinder website Freedom Song || London and George Kinder Kinder Institute of Life Planning Youtube The Three Questions presented by George Kinder Fiduciary In All Things (FIAT) A Golden Civilization Find a Life Planner Do your own life plan NAPFA (National Association of Personal Financial Advisors) 📗 The Three Domains of Freedom 📕 A Golden Civilization and The Map of Mindfulness 📚 The Seven Stages of Money Maturity 📗 Life Planning for You: How to Design & Deliver the Life of Your Dreams 📕Lighting the Torch ⏰ 'Catching Up to FI' Episodes The Father of Financial Life Planning (Part 1) | George Kinder | 140 Vote Your Money: Values Aligned Investing | Janine Firpo | 139 If you enjoyed this episode, please follow the show on your podcast player and leave us a rating or review. If you want to watch, be sure to subscribe to our YouTube Channel. This helps others find the show and keeps us creating great content for you! ⚠️Disclaimer: Our content is for general education and information purposes only. We are not providing financial, legal, or tax advice. Always do your own research or consult a professional before making important decisions.

In part one of this enlightening two-part series, we are joined by George Kinder, founder of the Kinder Institute. He's best known as the Father of Life Planning and creator of The Three Kinder Questions that probe deeper into our hopes, dreams, and fears. In this episode we discuss: The essence of financial maturity The profound practice of living in the present moment to achieve true freedom The power of envisioning meaningful goals and the practical steps to integrate them into your financial planning Tips to embark on your own hero's journey towards financial and personal fulfillment 🌐 Visit Catching Up to FI website 🔗Connect with us ☕ Like what you hear on Catching Up to FI? Support the show at "Buy Me a Coffee" 🎙️We love hearing from you! Record a Voice Message with your feedback or question Record a Voice Message with your feedback or question ===DEALS & DISCOUNTS FROM OUR TRUSTED PARTNERS=== MyBudgetCoach A zero-based budgeting app that allows you to connect your banks, categorize your transactions, and work with a certified budget coach at your own pace. Receive 10% off subscription costs by entering code: Catchingup Boston Institute of Finance CFP® level curriculum for those that don't need course credit, but want to gain useful knowledge for personal development. Special pricing for self-paced and instructor lead 'Personal Growth Track' course or package. Receive 5% off by entering code: Catchingup For a full list of current deals and discounts from our partners, sponsors and affiliates, click here: catchinguptofi.com/our-partners RESOURCES MENTIONED ON THE SHOW: (As an Amazon Associate, I earn from qualifying purchases.) 🌐George Kinder website Kinder Institute of Life Planning Youtube The Three Questions presented by George Kinder Freedom Song || London and George Kinder Fiduciary In All Things (FIAT) A Golden Civilization Find a Life Planner Do your own life plan NAPFA (National Association of Personal Financial Advisors) 📗 The Three Domains of Freedom 📕 A Golden Civilization and The Map of Mindfulness 📚 The Seven Stages of Money Maturity 📗 Life Planning for You: How to Design & Deliver the Life of Your Dreams 📕Lighting the Torch If you enjoyed this episode, please follow the show on your podcast player and leave us a rating or review. If you want to watch, be sure to subscribe to our YouTube Channel. This helps others find the show and keeps us creating great content for you! ⚠️Disclaimer: Our content is for general education and information purposes only. We are not providing financial, legal, or tax advice. Always do your own research or consult a professional before making important decisions.

Today on the show we welcome Janine Firpo, an accomplished speaker, author, and social entrepreneur, dedicated to empowering women through values-aligned investing. She has a relentless drive to make a difference and poured it all into her book, 'Activate Your Money: Invest to Grow Your Wealth and Build a Better World'. In this episode, you will learn: How Janine transitioned from a lucrative career in big tech to impact investing The importance of aligning financial goals with social values How to integrate ethical considerations into your investment portfolio Practical steps you can take to manage your finances ethically and effectively 🌐 Visit Catching Up to FI website 🔗Connect with us ☕ Like what you hear on Catching Up to FI? Support the show at "Buy Me a Coffee" 🎙️We love hearing from you! Record a Voice Message with your feedback or question Record a Voice Message with your feedback or question ===DEALS & DISCOUNTS FROM OUR TRUSTED PARTNERS=== MyBudgetCoach A zero-based budgeting app that allows you to connect your banks, categorize your transactions, and work with a certified budget coach at your own pace. Receive 10% off subscription costs by entering code: Catchingup Boston Institute of Finance CFP® level curriculum for those that don't need course credit, but want to gain useful knowledge for personal development. Special pricing for self-paced and instructor lead 'Personal Growth Track' course or package. Receive 5% off by entering code: Catchingup For a full list of current deals and discounts from our partners, sponsors and affiliates, click here: catchinguptofi.com/our-partners RESOURCES MENTIONED ON THE SHOW: (As an Amazon Associate, I earn from qualifying purchases.) 🌐Invest For Better Free membership in Invest for Better Circle experience for Black women 📗Book: Activate Your Money Activate Your Money Janine's Talk at EconoMe 2025 As Your Sow | Invest your values BetterInvesting.org | Educating individual investors and investment clubs Mighty Deposits | Find banking that matches your values Circle experience for Black women 📗Book: Your Money or Your Life 📗Book: The Beardstown Ladies' Common-Sense Investment Guide Lynn Frair EconoMe Talk ⏰ 'Catching Up to FI' Episodes Doña Quixote, Life Energy, and The Coming of Aging | Vicki Robin | 94 Enoughness: Your Life or Your Money | Vicki Robin | 95 Money for the Rest of Us | David Stein | 041 The pURPOSE Code | Jordan Grumet | 115 Purpose, Identity, & Connection | Jordan Grumet | 022 If you enjoyed this episode, please follow the show on your podcast player and leave us a rating or review. If you want to watch, be sure to subscribe to our YouTube Channel. This helps others find the show and keeps us creating great content for you! ⚠️Disclaimer: Our content is for general education and information purposes only. We are not providing financial, legal, or tax advice. Always do your own research or consult a professional before making important decisions.

In this episode, Bill & Jackie joined Doc G (Jordan Grumet) on the 'Earn & Invest Podcast' to talk about what it feels like to be a late starter in these uncertain times. Questions about a recession are looming and it's scary, especially for those just waking up and trying to catch up. They discuss the ups and downs and how late starters can still stay on track. 🔗Connect with us ☕ Like what you hear on Catching Up to FI? Support the show at "Buy Me a Coffee" 🎙️We love hearing from you! Record a Voice Message with your feedback or question Record a Voice Message with your feedback or question === DEALS AND DISCOUNTS FROM OUR TRUSTED PARTNERS=== Personal Finance Club: Use code CUTOFI to get $30 OFF any course or PFC investing course only Nectarine: Advice-Only and Flat-Fee Hourly Fiduciary Financial Advisors (Catching Up to FI will be compensated by Nectarine if you use our affiliate link, which creates an incentive and conflict of interest. We are not current clients or employees of Nectarine.) For a full list of current deals and discounts from our partners, sponsors and affiliates, click here: catchinguptofi.com/our-partners RESOURCES MENTIONED ON THE SHOW: (As an Amazon Associate, I earn from qualifying purchases.) The Earn & Invest Podcast Scott Trench- Bigger Pockets Book- F.I.R.E. For Dummies FI Freedom Retreats ⏰ 'Catching Up to FI' Episodes Bonus Episode: The Market is Crashing, Now What? | Bill & Jackie | 135 International Educator, Bali FIRE | Amy Minkley | 137 The pURPOSE Code | Jordan Grumet | 115 Purpose, Identity, & Connection | Jordan Grumet | 022 "The Risk Parity Paradox" an Exercise in Simple Complexity? | Frank Vasquez | 124 SpongeBob and Drawdown Strategies | Frank Vasquez | 044 If you enjoyed this episode, please follow the show on your podcast player and leave us a rating or review. If you want to watch, be sure to subscribe to our YouTube Channel. This helps others find the show and keeps us creating great content for you! ⚠️Disclaimer: Our content is for general education and information purposes only. We are not providing financial, legal, or tax advice. Always do your own research or consult a professional before making important decisions.

Amy Minkley is the founder of FI Freedom Retreats, a passion project that was born out of her love and gratitude for the F.I.R.E. (Financial Independence, Retire Early) movement and community. In this episode, she shares her journey to achieving financial independence (FI) while living in Bali, Indonesia. Amy gives us a glimpse into her lavish yet affordable lifestyle, spending only $30k a year. She details her frugal upbringing, early teaching career in Japan, and subsequent well-paid international teaching positions that allowed her to save aggressively. The episode also highlights Amy's contributions to the local Balinese community through the FI Freedom Retreats, aimed at educating and bringing together the FI community in Asia. 🌐 Visit Catching Up to FI website 🔗Connect with us ☕ Like what you hear on Catching Up to FI? Support the show at "Buy Me a Coffee" 🎙️We love hearing from you! Record a Voice Message with your feedback or question Record a Voice Message with your feedback or question ===DEALS AND DISCOUNTS FROM OUR TRUSTED PARTNERS=== Personal Finance Club: Use code CUTOFI to get $30 OFF any course or PFC investing course only Nectarine: Advice-Only and Flat-Fee Hourly Fiduciary Financial Advisors (Catching Up to FI will be compensated by Nectarine if you use our affiliate link, which creates an incentive and conflict of interest. We are not current clients or employees of Nectarine.) For a full list of current deals and discounts from our partners, sponsors and affiliates, click here: catchinguptofi.com/our-partners RESOURCES MENTIONED ON THE SHOW: (As an Amazon Associate, I earn from qualifying purchases.) 🌐Website- FI Freedom Retreats Facebook Instagram Amy's CampFI Talk Charity: PKP Women's Centre EconoMe Conference FI Friends Travel CampFI 📗Book: Your Money or Your Life (Vicki Robin & Joe Dominguez) IRS Foreign Tax Credit ⏰ 'Catching Up to FI' Episodes Doña Quixote, Life Energy, and The Coming of Aging | Vicki Robin | 94 Enoughness: Your Life or Your Money | Vicki Robin | 95 Mr 4% is now Mr 5% | Bill Bengen | 111 Stories, Hacks, & Tribes | Brad Barrett | 021 Leaning Out: Cracking the Burnout Code | Dawn Baker | 119 Weathering Financial Storms | Kristen Knapp | 114 Twin Wins with the Baughier Brothers: CampFI, EAGLE Cohousing, and Fiology | David & Stephen Baughier | 089 If you enjoyed this episode, please follow the show on your podcast player and leave us a rating or review. If you want to watch, be sure to subscribe to our YouTube Channel. This helps others find the show and keeps us creating great content for you! ⚠️Disclaimer: Our content is for general education and information purposes only. We are not providing financial, legal, or tax advice. Always do your own research or consult a professional before making important decisions.

We're excited to introduce you to our newest 'Catching Up to FI' team member, Patrick McDonnal. In this episode, you'll get to hear some of his money story and how he'll be helping with the show. Patrick discusses his career transition from engineering to financial planning and openly shares how the early financial education he got from his grandfather helped shape his journey. We're also celebrating with Patrick because he just sat for the very challenging, CFP Exam in March and got a preliminary 'Pass'. He is now well on his way to earning his Certified Financial Planner credential. 🔗Connect with us ☕ Like what you hear on Catching Up to FI? Support the show at "Buy Me a Coffee" 🎙️We love hearing from you! Record a Voice Message with your feedback or question Record a Voice Message with your feedback or question === DEALS AND DISCOUNTS FROM OUR TRUSTED PARTNERS=== Personal Finance Club: Use code CUTOFI to get $30 OFF any course or PFC investing course only Nectarine: Advice-Only and Flat-Fee Hourly Fiduciary Financial Advisors (Catching Up to FI will be compensated by Nectarine if you use our affiliate link, which creates an incentive and conflict of interest. We are not current clients or employees of Nectarine.) For a full list of current deals and discounts from our partners, sponsors and affiliates, click here: catchinguptofi.com/our-partners RESOURCES MENTIONED ON THE SHOW: (As an Amazon Associate, I earn from qualifying purchases.) FPA NexGen Leadership CASHFLOW Game George Kinder / Life Planning ChooseFI 📗 Choose FI: Your Blueprint to Financial Independence Chris Mamula EconoMe Conference Personal Finance Club ⏰ 'Catching Up to FI' Episodes George Kinder (coming in May) The Powers of Starting Late, Retirement Calculators, and More | Chris Mamula | 086 Simplicity, Empathy, Leadership, Robots, Oh My! | Jeremy Schneider | 056 Stories, Hacks, & Tribes | Brad Barrett | 021 Find Your Camino | Diania Merriam | 029 If you enjoyed this episode, please follow the show on your podcast player and leave us a rating or review. If you want to watch, be sure to subscribe to our YouTube Channel. This helps others find the show and keeps us creating great content for you! ⚠️Disclaimer: Our content is for general education and information purposes only. We are not providing financial, legal, or tax advice. Always do your own research or consult a professional before making important decisions.

Joining us on this episode is not just one, but TWO titans in the investing and financial literacy space, Rick Ferri and Paul Merriman. These two great minds go head-to-head on topics like asset allocation, and the risks/rewards of small cap value funds vs. total stock market funds. Through this high energy debate, they also provide expert insights into the various stages of your investing journey. Rick and Paul both share how they empower investors through their platforms and continue their relentless mission of spreading financial education. 🔗Connect with us ☕ Like what you hear on Catching Up to FI? Support the show at "Buy Me a Coffee" 🎙️We love hearing from you! Record a Voice Message with your feedback or question Record a Voice Message with your feedback or question === DEALS AND DISCOUNTS FROM OUR TRUSTED PARTNERS=== 🎓 Student Loan Planner Get a custom student loan plan from our CFP®, CFA and CSLP® professionals. They charge a one-time fee for their thorough review. Our listeners receive $100 off a 1:1 consult using the link below. Flat fee is normally $595, but after your $100 off 'Catching Up to FI' discount, it's $495. 👉🏼 Be sure to use this link: studentloanplanner.com/catchingup 📈 Boldin (formerly NewRetirement) Retirement planning software that's like having a financial advisor at your fingertips. You can get started with the free version or choose the premium option (PlannerPlus) and get a 14-day free trial. 👉🏼 Be sure to use this link to get started: Go.boldin.com/catchingup For a full list of current deals and discounts from our partners, sponsors and affiliates, click here: catchinguptofi.com/our-partners RESOURCES MENTIONED ON THE SHOW: (As an Amazon Associate, I earn from qualifying purchases.) 🌐RickFerri.com Bogleheads on Investing Podcast The John C. Bogle Center for Financial Literacy List of Vanguard Funds and ETFs Bogleheads Investment Policy Statement 🌐PaulMerriman.com Merriman Financial Education Foundation Merriman Financial Literacy Program at Western Washington University Paul Merriman Quilt Charts (1928-2024) - 2024 Returns Paul Merriman Sound Investing Portfolios Performance (50-50) - 2024 Returns 📗What Works on Wall Street, Fourth Edition 'Catching Up to FI' Episodes: Financial Literacy and Mastering the Million Dollar Decisions | Paul Merriman | 132 We're Talking Millions! Part 1 | Paul Merriman | 008 We're Talking Millions! Part 2 | Paul Merriman | 009 If you enjoyed this episode, please follow the show on your podcast player and leave us a rating or review. If you want to watch, be sure to subscribe to our YouTube Channel. This helps others find the show and keeps us creating great content for you! ⚠️Disclaimer: Our content is for general education and information purposes only. We are not providing financial, legal, or tax advice. Always do your own research or consult a professional before making important decisions.

📈 Between April 3rd and 4th, the stock market dropped 10% and the S&P 500 is down nearly 15% so far this year. That's huge in such a short period of time and downright frightening! So, what do you do? Start by listening to this episode where Bill and Jackie take a deep breath, and discuss the impact of these recent market declines. There is a natural human reaction of fear, but they share tips on tempering those emotions and remaining levelheaded during volatile times. They also talk through the importance of understanding stock market history and cover practical strategies like rebalancing and tax-loss harvesting. They highlight personal experiences from past market drops like the 2008 financial crisis and the COVID-19 market scare, stressing the significance of maintaining a long-term perspective. Tell us how you're feeling about this market drop and any tips you have for other late starters:🎙️ Record a Voice Message here 🔗Connect with us ☕ Like what you hear on Catching Up to FI? Support the show at "Buy Me a Coffee" Join 'Catching Up to FI' Community Facebook Group 🔗 https://www.facebook.com/groups/catchinguptofi === DEALS AND DISCOUNTS FROM OUR TRUSTED PARTNERS=== 🎓 Student Loan Planner Get a custom student loan plan from our CFP®, CFA and CSLP® professionals. They charge a one-time fee for their thorough review. Our listeners receive $100 off a 1:1 consult using the link below. Flat fee is normally $595, but after your $100 off 'Catching Up to FI' discount, it's $495. 👉🏼 Be sure to use this link: studentloanplanner.com/catchingup 📈 Boldin (formerly NewRetirement) Retirement planning software that's like having a financial advisor at your fingertips. You can get started with the free version or choose the premium option (PlannerPlus) and get a 14-day free trial. 👉🏼 Be sure to use this link to get started: Go.boldin.com/catchingup For a full list of current deals and discounts from our partners, sponsors and affiliates, click here: catchinguptofi.com/our-partners RESOURCES MENTIONED ON THE SHOW: A Guided Meditation for When the Stock Market is Dropping (JL Collins) Bogleheads Investment Policy Statement Rob Berger: Trump, Tariffs and Turmoil | Live Q&A (recording) Morningstar Article: What We've Learned From 150 Years of Stock Market Crashes: Though they varied in length and severity, the market always recovered and went on to new highs. AP News Article: A 10% drop for stocks is scary, but isn't that rare Forbes Article: How Long Do Recessions Last? Tax Loss Harvesting (Jesse Cramer) How to Tax-Loss Harvest – Step-by-Step Guide (White Coat Investor) 'Catching Up to FI Episodes' Space Telescopes, Sunflowers, and Financial Gardening | Jesse Cramer | 105 Pathfinders: Stories of Success and Financial Independence | JL Collins | 069 Pathfinders: Triumphs and Trials on the Road to Financial Independence | JL Collins | 070 F-You Money Part 1 | JL Collins | 023 F-You Money Part 2 | JL Collins | 024 If you enjoyed this episode, please follow the show on your podcast player and leave us a rating or review. If you want to watch, be sure to subscribe to our YouTube Channel. This helps others find the show and keeps us creating great content for you! ⚠️Disclaimer: Our content is for general education and information purposes only. We are not providing financial, legal, or tax advice. Always do your own research or consult a professional before making important decisions.

One of the most frequent questions we get about retiring early is: 'How do I get money out of my retirement accounts before age 59.5, without paying the 10% penalty'? This episode answers that question and more with CPA and 72(t) expert, Bill Stecker. Bill is the founder of The Marble Group which specializes in federal income taxes and early retirement distributions. He's also the brilliant mind behind the website '72tcalc', hands down the most comprehensive resource we've found specifically focusing on 72(t)s. Cohost Jackie knows because she set up her own substantially equal periodic payments (SEPP) using IRS rule 72(t) in 2024 and will share some details of her first-hand experience. If you've been fearful and confused about how 72(t)s work, fear no more! In this episode, we thoroughly break down everything you need to know in a way you've never heard before. We also discuss more than a dozen other ways the IRS allows you to legally avoid federal tax penalties for early withdrawals from your retirement accounts. To make sure we did this topic justice, we turned it into a 2-part series. This is part 2, so make sure you go back and listen to part 1 which was released on March 30th. Both episodes are packed with valuable insights and practical tips for anyone considering early retirement. 🔗Connect with us ☕ Like what you hear on Catching Up to FI? Support the show at "Buy Me a Coffee" 🎙️We love hearing from you! Record a Voice Message with your feedback or question Record a Voice Message with your feedback or question === THANK YOU TO OUR SPONSOR === 📈 Boldin (formerly NewRetirement) is our newest sponsor! Boldin is retirement planning software that's like having a financial advisor at your fingertips. With Boldin, you can: ✅ Track your savings ✅ Get personalized retirement advice based on your goals ✅ Explore investment options to grow your wealth ✅ And create a strategy that's built for your unique needs You can get started with the free version or choose the premium option (PlannerPlus) and get a 14-day free trial. Be sure to use this link to get started: Go.boldin.com/catchingup For a full list of our partners, sponsors and affiliates, click here: catchinguptofi.com/our-partners RESOURCES MENTIONED ON THE SHOW: 🌐72tcalc.com Website Free consultation with Bill Stecker's Firm- The Marble Group email: [email protected] Phone: (312) 361-0221 Jackie's review of 72tcalc.com website Most recent IRS list of exceptions to 10% tax penalty on early withdrawals IRS Tax Code 72(t)- Substantially Equal Periodic Payments (SEPP) IRS Single Life Table- Effective 1/1/2022 IRS website with the listing of recent interest rates (120% of Applicable Federal Midterm Rate) IRA first time homebuyer exception (you are considered a first-timer if you haven't owned a primary home the past 2 years) Rule 72(t) Example- Eric Cooper Rule 72(t) Example- Dare to Draw Down 📱72(t) CALCULATORS FI Tax Guy Google Sheet Dinkytown CalcXML 72tcalc 72net If you enjoyed this episode, please follow the show on your podcast player and leave us a rating or review. If you want to watch, be sure to subscribe to our YouTube Channel. This helps others find the show and keeps us creating great content for you! ⚠️Disclaimer: Our content is for general education and information purposes only. We are not providing financial, legal, or tax advice. Always do your own research or consult a professional before making important decisions.

April is Financial Literacy Month, and to help us celebrate we brought in a returning guest, Paul Merriman. Paul has been on the show before to discuss investment portfolios, but today he talks with us about some extraordinary strides he's making as a financial literacy advocate through his nonprofit, The Merriman Financial Education Foundation. We also share some of our favorite financial literacy resources. 🔗Connect with us ☕ Like what you hear on Catching Up to FI? Support the show at "Buy Me a Coffee" 🎙️We love hearing from you! Record a Voice Message with your feedback or question Record a Voice Message with your feedback or question === THANK YOU TO OUR SPONSOR === 📈 Boldin (formerly NewRetirement) is our newest sponsor! Boldin is retirement planning software that's like having a financial advisor at your fingertips. With Boldin, you can: ✅ Track your savings ✅ Get personalized retirement advice based on your goals ✅ Explore investment options to grow your wealth ✅ And create a strategy that's built for your unique needs You can get started with the free version or choose the premium option (PlannerPlus) and get a 14-day free trial. Be sure to use this link to get started: Go.boldin.com/catchingup For a full list of our partners, sponsors and affiliates, click here: catchinguptofi.com/our-partners RESOURCES MENTIONED ON THE SHOW: 🌐Website Merriman Financial Literacy Program at Western Washington University IGrad Next Gen Personal Finance White Coat Investor The John C. Bogle Center for Financial Literacy 'Catching Up to FI' Episodes: We're Talking Millions! Part 1 | Paul Merriman | 008 We're Talking Millions! Part 2 | Paul Merriman | 009 Celebrating Financial Literacy Month with Next Gen Personal Finance | Tim Ranzetta | 072 If you enjoyed this episode, please follow the show on your podcast player and leave us a rating or review. If you want to watch, be sure to subscribe to our YouTube Channel. This helps others find the show and keeps us creating great content for you! ⚠️Disclaimer: Our content is for general education and information purposes only. We are not providing financial, legal, or tax advice. Always do your own research or consult a professional before making important decisions.

One of the most frequent questions we get about retiring early is: 'How do I get money out of my retirement accounts before age 59.5, without paying the 10% penalty'? This episode answers that question and more with CPA and 72(t) expert, Bill Stecker. Bill is the founder of The Marble Group which specializes in federal income taxes and early retirement distributions. He's also the brilliant mind behind the website '72tcalc', hands down the most comprehensive resource we've found specifically focusing on 72(t)s. Cohost Jackie knows because she set up her own substantially equal periodic payments (SEPP) using IRS rule 72(t) in 2024 and will share some details of her first-hand experience. If you've been fearful and confused about how 72(t)s work, fear no more! In this episode, we thoroughly break down everything you need to know in a way you've never heard before. We also discuss more than a dozen other ways the IRS allows you to legally avoid federal tax penalties for early withdrawals from your retirement accounts. To make sure we did this topic justice, we turned it into a 2-part series. This is part 1, and part 2 will be released next week; both packed with valuable insights and practical tips for anyone considering early retirement. ⚠️ Clarifications from this episode: IRS 'Rule of 50' for public safety workers who retire after age 50 are exempt from the 10% early distribution penalty. It does include EMTs (Emergency Medical Technicians), however, it does not include all doctors and nurses (see IRS code linked below or read this article). For medical expenses, the 10% early withdrawal penalty can be waived without itemizing your deductions if the amount of unreimbursed medical expenses is more than 7.5% AGI. (see IRS code linked below or read this article). 🔗Connect with us ☕ Like what you hear on Catching Up to FI? Support the show at "Buy Me a Coffee" 🎙️We love hearing from you! Record a Voice Message with your feedback or question Record a Voice Message with your feedback or question === THANK YOU TO OUR SPONSOR === 📈 Boldin (formerly NewRetirement) is our newest sponsor! Boldin is retirement planning software that's like having a financial advisor at your fingertips. You can get started with the free version or choose the premium option (PlannerPlus) and get a 14-day free trial. Be sure to use this link to get started: Go.boldin.com/catchingup For a full list of our partners, sponsors and affiliates, click here: catchinguptofi.com/our-partners RESOURCES MENTIONED ON THE SHOW: 🌐72tcalc.com Website Free consultation with Bill Stecker's Firm- The Marble Group email: [email protected] Phone: (312) 361-0221 Jackie's review of 72tcalc.com website Most recent IRS list of exceptions to 10% tax penalty on early withdrawals IRS Tax Code 72(t)- Substantially Equal Periodic Payments (SEPP) IRS Single Life Table- Effective 1/1/2022 IRS website with the listing of recent interest rates (120% of Applicable Federal Midterm Rate) IRA first time homebuyer exception (you are considered a first-timer if you haven't owned a primary home the past 2 years) Rule 72(t) Example- Eric Cooper Rule 72(t) Example- Dare to Draw Down 📱72(t) CALCULATORS FI Tax Guy Google Sheet Dinkytown CalcXML 72tcalc 72net If you enjoyed this episode, please follow the show on your podcast player and leave us a rating or review. If you want to watch, be sure to subscribe to our YouTube Channel. This helps others find the show and keeps us creating great content for you! ⚠️Disclaimer: Our content is for general education and information purposes only. We are not providing financial, legal, or tax advice. Always do your own research or consult a professional before making important decisions.

'Catching Up to FI' founder and co-host, Bill Yount, appeared as a guest on the EverydayFI podcast with host Meghan Combs. The show explores the lives and stories of everyday people in the financial independence community so Bill opens up about his FI journey as a late starter. He of course represents our Catching Up to FI community. He had a lot to say so this is the second part of a two-part episode. The first part was aired last Wednesday (episode 128) so be sure to check it out. 🌐 Visit Catching Up to FI website 🔗Connect with us ☕ Like what you hear on Catching Up to FI? Support the show at "Buy Me a Coffee" 🎙️We love hearing from you! Record a Voice Message with your feedback or question Record a Voice Message with your feedback or question === THANK YOU TO OUR SPONSOR === 📈 Boldin (formerly NewRetirement) is our newest sponsor! Boldin is retirement planning software that's like having a financial advisor at your fingertips. With Boldin, you can: ✅ Track your savings ✅ Get personalized retirement advice based on your goals ✅ Explore investment options to grow your wealth ✅ And create a strategy that's built for your unique needs You can get started with the free version or choose the premium option (PlannerPlus) and get a 14-day free trial. Be sure to use this link to get started: Go.boldin.com/catchingup For a full list of our partners, sponsors and affiliates, click here: catchinguptofi.com/our-partners Resources mentioned on the show: (As an Amazon Associate, I earn from qualifying purchases.) EverydayFI podcast If you enjoyed this episode, please follow the show on your podcast player and leave us a rating or review. If you want to watch, be sure to subscribe to our YouTube Channel. This helps others find the show and keeps us creating great content for you! Disclaimer: Our content is for general education and information purposes only. We are not providing financial, legal, or tax advice. Always do your own research or consult a professional before making important decisions.

In this episode we welcome back the rebels, Katie and Alan Donegan. They are founders of the Rebel Finance School and have turned the concept of financial independence (FI) into an energetic global movement. We are celebrating the launch of their brand-new music album. But it's not just music, it's a Money Revolution and the world's first financial independence album! The Donegans give us a behind the scenes look at the making the of the album and a backstage pass to some of the tracks, including: 🎤 4% Rule 🎤 Badassity (Mustachianism) 🎤 Create a Gap 🎤 The Boring Middle But wait... there's more! We also get a preview of the Donegans' upcoming book, 'The Rebels Guide to Financial Freedom: Simple Missions to Take you from Zero to Money Superhero'. The forward is written by one of the most recognized names in the FI Movement, Mr. Money Mustache! 🌐 Visit Catching Up to FI website 🔗Connect with us ☕ Like what you hear on Catching Up to FI? Support the show at "Buy Me a Coffee" 🎙️We love hearing from you! Record a Voice Message with your feedback or question Record a Voice Message with your feedback or question === THANK YOU TO OUR SPONSOR === 📈 Boldin (formerly NewRetirement) is our newest sponsor! Boldin is retirement planning software that's like having a financial advisor at your fingertips. With Boldin, you can: ✅ Track your savings ✅ Get personalized retirement advice based on your goals ✅ Explore investment options to grow your wealth ✅ And create a strategy that's built for your unique needs You can get started with the free version or choose the premium option (PlannerPlus) and get a 14-day free trial. Be sure to use this link to get started: Go.boldin.com/catchingup For a full list of our partners, sponsors and affiliates, click here: catchinguptofi.com/our-partners RESOURCES MENTIONED ON THE SHOW (As an Amazon Associate, I earn from qualifying purchases.) 🌐Website 🎶New Album: Money Revolution: The World's First Financial Independence Music Album! Buy👉🏻 🎵💿 📙New Book: 'The Rebels' Guide to Financial Freedom: Simple Missions to take you from Zero to Money Superhero Rebel Entrepreneur Podcast Sign up for Alan & Katie's 2025 Rebel Finance School Rebel Donegans YouTube The Shockingly Simple Math behind retiring early retirement article 'Catching Up to FI' Episodes: Indiana Jones and an Extraordinary Life with the Donegans | Alan and Katie Donegan | 079 Sustainable FIlosophy with Mr. Money Mustache | Pete Adeney | 073 The pURPOSE Code | Jordan Grumet | 115 Mr 4% is now Mr 5% | Bill Bengen | 111 If you enjoyed this episode, please follow the show on your podcast player and leave us a rating or review. If you want to watch, be sure to subscribe to our YouTube Channel. This helps others find the show and keeps us creating great content for you! ⚠️ Disclaimer: Our content is for general education and information purposes only. We are not providing financial, legal, or tax advice. Always do your own research or consult a professional before making important decisions.

'Catching Up to FI' founder and co-host, Bill Yount, appeared as a guest on the EverydayFI podcast with host Meghan Combs. The show explores the lives and stories of everyday people in the financial independence community so Bill opens up about his FI journey as a late starter. He of course represents our Catching Up to FI community. He had a lot to say so this is a two-parter and will be aired over the next two Wednesday episodes. 🌐 Visit Catching Up to FI website 🔗Connect with us ☕ Like what you hear on Catching Up to FI? Support the show at "Buy Me a Coffee" 🎙️We love hearing from you! Record a Voice Message with your feedback or question Record a Voice Message with your feedback or question === THANK YOU TO OUR SPONSOR === 📈 Boldin (formerly NewRetirement) is our newest sponsor! Boldin is retirement planning software that's like having a financial advisor at your fingertips. With Boldin, you can: ✅ Track your savings ✅ Get personalized retirement advice based on your goals ✅ Explore investment options to grow your wealth ✅ And create a strategy that's built for your unique needs You can get started with the free version or choose the premium option (PlannerPlus) and get a 14-day free trial. Be sure to use this link to get started: Go.boldin.com/catchingup For a full list of our partners, sponsors and affiliates, click here: catchinguptofi.com/our-partners Resources mentioned on the show: (As an Amazon Associate, I earn from qualifying purchases.) EverydayFI podcast If you enjoyed this episode, please follow the show on your podcast player and leave us a rating or review. If you want to watch, be sure to subscribe to our YouTube Channel. This helps others find the show and keeps us creating great content for you! Disclaimer: Our content is for general education and information purposes only. We are not providing financial, legal, or tax advice. Always do your own research or consult a professional before making important decisions.

Jackie is out this week, and her co-host seat is being filled by Mindy Jensen (the hostess with the mostest 😂) from the 'BiggerPockets Money' and 'Living a FI Life' podcasts. In this episode we talk with Matt and Yana Tarr, the married duo behind the 'CoastFI Couple' blog and podcast. The conversation centers around the power of Coast FI, and how open, healthy communication about money can strengthen partnerships and marriages. We also highlight their favorite budgeting and accountability tool, Qube Money and why it's such a great tool for late starters. 🌐 Visit Catching Up to FI website 🔗Connect with us ☕ Like what you hear on Catching Up to FI? Support the show at "Buy Me a Coffee" 🎙️We love hearing from you! Record a Voice Message with your feedback or question Record a Voice Message with your feedback or question === THANK YOU TO OUR SPONSOR === 📈 Boldin (formerly NewRetirement) is our newest sponsor! Boldin is retirement planning software that's like having a financial advisor at your fingertips. With Boldin, you can: ✅ Track your savings ✅ Get personalized retirement advice based on your goals ✅ Explore investment options to grow your wealth ✅ And create a strategy that's built for your unique needs You can get started with the free version or choose the premium option (PlannerPlus) and get a 14-day free trial. Be sure to use this link to get started: Go.boldin.com/catchingup For a full list of our partners, sponsors and affiliates, click here: catchinguptofi.com/our-partners RESOURCES MENTIONED ON THE SHOW: 🌐Website: Coast FI Couple Podcast: Coast FI Couple Charity: Best Buddies Qube Money Mindy's 'Catching Up to FI Episode': From Tech Stocks to Toilet Brushes: The Jensens' FI Journey | Mindy and Carl Jensen | 071 BiggerPockets Money & Living a FI Life podcast (Mindy Jensen) Inside Out Money podcast (Maggie Tucker) If you enjoyed this episode, please follow the show on your podcast player and leave us a rating or review. If you want to watch, be sure to subscribe to our YouTube Channel. This helps others find the show and keeps us creating great content for you! Disclaimer: Our content is for general education and information purposes only. We are not providing financial, legal, or tax advice. Always do your own research or consult a professional before making important decisions.

Jackie Cummings Koski is co-host of the 'Catching Up to FI' podcast and author of the book 'F.I.R.E. For Dummies'. In case you're new here, FIRE stands for Financial Independence, Retire Early. In this episode, Jackie comes clean and publicly shares her non-FIRE confessions. Recorded at a CampFI near San Diego, she reveals surprising financial decisions that didn't exactly follow the 'rules' of FI, and some are downright shocking… such as taking a 401(k) loan (don't judge too soon😁). These moves may have gone against traditional FI principles, but they didn't ruin her plans or curb her enthusiasm. From her early life in poverty to building wealth through strategic saving and investing, Jackie provides a transparent look at her imperfect journey, aiming to inspire others on the path to FI. She not only shares her real numbers, but also her genuine thoughts and feelings beyond the math. Join us to learn from her experience and embrace the big takeaway that 'precision is not required' to reach your financial goals, even when you're getting a late start. 🗣️ SHARE YOUR CONFESSION! Do you have a non-FI confession to make??? Leave us a voice message and we may just play it on a future show! Use this link to record a message from your computer or right from your phone: 📲 https://catchinguptofi.com/contact-us/#voicemail 🌐 Visit Catching Up to FI website 🔗Connect with us ☕ Like what you hear on Catching Up to FI? Support the show at "Buy Me a Coffee" 🎙️We love hearing from you! Record a Voice Message with your feedback or question Record a Voice Message with your feedback or question === THANK YOU TO OUR SPONSOR === 📈 Boldin (formerly NewRetirement) is our newest sponsor! Boldin is retirement planning software that's like having a financial advisor at your fingertips. With Boldin, you can: ✅ Track your savings ✅ Get personalized retirement advice based on your goals ✅ Explore investment options to grow your wealth ✅ And create a strategy that's built for your unique needs You can get started with the free version or choose the premium option (PlannerPlus) and get a 14-day free trial. Be sure to use this link to get started: Go.boldin.com/catchingup For a full list of our partners, sponsors and affiliates, click here: catchinguptofi.com/our-partners Resources mentioned on the show: 🌐Jackie's website FInomenalWoman.com 🎙️From Poverty to Wealth and Early Retirement | Jackie Cummings Koski | 007 📕Jackie's book: 'F.I.R.E. For Dummies' 📈Jackie's Investment Club through BetterInvesting.org CampFI website Watch other inspiring talks on CampFI's YouTube channel If you enjoyed this episode, please follow the show on your podcast player and leave us a rating or review. If you want to watch, be sure to subscribe to our YouTube Channel. This helps others find the show and keeps us creating great content for you! Disclaimer: Our content is for general education and information purposes only. We are not providing financial, legal, or tax advice. Always do your own research or consult a professional before making important decisions.

Lynnette Khalfani-Cox (also known as 'The Money Coach') is an icon in the financial media and financial education space. She is the author of 16 money-management books, including the New York Times bestseller 'Zero Debt: The Ultimate Guide to Financial Freedom'. Lynette joins us on this episode to share some of the big takeaways from her latest book 'Bounce Back', offering practical and emotional guidance for those recovering from financial setbacks. She guides us on how to take on―and defeat―the most common and difficult challenges most of us face, like being downsized from a job, disasters, debt, divorce, discrimination, and more. Lynette also gets vulnerable with us, sharing her emotional stories about dealing with her own divorce and the death of her sister. 🌐 Visit Catching Up to FI website 🔗Connect with us ☕ Like what you hear on Catching Up to FI? Support the show at "Buy Me a Coffee" 🎙️We love hearing from you! Record a Voice Message with your feedback or question Record a Voice Message with your feedback or question === THANK YOU TO OUR SPONSOR === 📈 Boldin (formerly NewRetirement) is our newest sponsor! Boldin is retirement planning software that's like having a financial advisor at your fingertips. With Boldin, you can: ✅ Track your savings ✅ Get personalized retirement advice based on your goals ✅ Explore investment options to grow your wealth ✅ And create a strategy that's built for your unique needs You can get started with the free version or choose the premium option (PlannerPlus) and get a 14-day free trial. Be sure to use this link to get started: Go.boldin.com/catchingup For a full list of our partners, sponsors and affiliates, click here: catchinguptofi.com/our-partners Resources mentioned on the show: (As an Amazon Associate, I earn from qualifying purchases.) 🌐Website Ask the Money Coach YouTube 📕Bounce Back: The Ultimate Guide to Financial Resilience 📗The Bounce Back Workbook: The Interactive Companion Guide to Bounce Back CNBC Make It: How I Achieved The Perfect Credit Score — Here's The Magic Formula I Used The Nourish Spot in NYC Charity: Big Sister Little Sister of Houston Charity: Electus Global Education (Life Hub) If you enjoyed this episode, please follow the show on your podcast player and leave us a rating or review. If you want to watch, be sure to subscribe to our YouTube Channel. This helps others find the show and keeps us creating great content for you! Disclaimer: Our content is for general education and information purposes only. We are not providing financial, legal, or tax advice. Always do your own research or consult a professional before making important decisions.

Frank Vasquez (also affectionately known as Uncle Frank) is a mostly retired lawyer and host of the 'Risk Parity Radio' podcast. In this episode, he gives us a dose of his investing wisdom complete with his unique 'SpongeBob' sense of humor. We discuss financial independence (FI) in the older years, emphasizing the importance of enjoying the fruits of your labor after decades of saving. We explore diversified portfolios, the principles of risk parity, and introduce listeners to various investment approaches such as the 'Golden Butterfly' and 'Golden Ratio' portfolios. Frank also shares his thoughts on the shortcomings of traditional personal finance gurus, who often fail to provide viable strategies for retirement spending. 🌐 Visit Catching Up to FI website 🔗Connect with us ☕ Like what you hear on Catching Up to FI? Support the show at "Buy Me a Coffee" 🎙️We love hearing from you! Record a Voice Message with your feedback or question Record a Voice Message with your feedback or question === THANK YOU TO OUR SPONSORS === 📈 Boldin (formerly NewRetirement) is our newest sponsor! Boldin is retirement planning software that's like having a financial advisor at your fingertips. With Boldin, you can: ✅ Track your savings ✅ Get personalized retirement advice based on your goals ✅ Explore investment options to grow your wealth ✅ And create a strategy that's built for your unique needs You can get started with the free version or choose the premium option (PlannerPlus) and get a 14-day free trial. Be sure to use this link to get started: Go.boldin.com/catchingup 💵Student Loan Planner Flat fee for a one-on-one consultation is normally $595, but after your $100 off 'Catching Up to FI' discount, it's $495. 👉🏼 Be sure to use this link: link For a full list of our partners, sponsors and affiliates, click here: catchinguptofi.com/our-partners Resources mentioned on the show: (As an Amazon Associate, I earn from qualifying purchases.) 🌐Risk Parity Radio website 🎙️Risk Parity Radio podcast Portfolio Charts https://portfoliocharts.com/ Charity: Father McKenna Center Catching Up to FI podcast episodes: SpongeBob and Drawdown Strategies | Frank Vasquez | 044 Sequence of Returns Risk: What Every Retiree Needs to Know | Karsten Jeske | 106 If you enjoyed this episode, please follow the show on your podcast player and leave us a rating or review. If you want to watch, be sure to subscribe to our YouTube Channel. This helps others find the show and keeps us creating great content for you! Disclaimer: Our content is for general education and information purposes only. We are not providing financial, legal, or tax advice. Always do your own research or consult a professional before making important decisions.

Ever felt anxious around money, or like you're stuck no matter how much you try to save? You're not alone. In this episode, we unravel all of that with Shannah Game, a leading transformational money expert helping you heal your relationship with money. Shannah is host of the popular podcast 'Everyone's Talkin' Money' and author of the new book 'Unraveling Your Relationship with Money', a step-by-step guide to breaking free from money stress, shame, and self-doubt. 🌐 Visit Catching Up to FI website 🔗Connect with us ☕ Like what you hear on Catching Up to FI? Support the show at "Buy Me a Coffee" 🎙️We love hearing from you! Record a Voice Message with your feedback or question Record a Voice Message with your feedback or question === THANK YOU TO OUR SPONSORS === 📈 Boldin (formerly NewRetirement) is our newest sponsor! Boldin is retirement planning software that's like having a financial advisor at your fingertips. With Boldin, you can: ✅ Track your savings ✅ Get personalized retirement advice based on your goals ✅ Explore investment options to grow your wealth ✅ And create a strategy that's built for your unique needs You can get started with the free version or choose the premium option (PlannerPlus) and get a 14-day free trial. Be sure to use this link to get started: Go.boldin.com/catchingup 💵Student Loan Planner Flat fee for a one-on-one consultation is normally $595, but after your $100 off 'Catching Up to FI' discount, it's $495. 👉🏼 Be sure to use this link: link For a full list of our partners, sponsors and affiliates, click here: catchinguptofi.com/our-partners Resources mentioned on the show: (As an Amazon Associate, I earn from qualifying purchases.) 🌐Everyone's Talkin' Money website 🎙️Everyone's Talkin' Money Podcast 📗 Shannah's new book: 'Unraveling Your Relationship with Money' 🥇 Reward for Purchase 🎁 (freebies) George Kinder Klontz Money Scripts The Trauma of Money Method CRASH!: Money Trauma and Recovery | Shannah Game | 057 If you enjoyed this episode, please follow the show on your podcast player and leave us a rating or review. If you want to watch, be sure to subscribe to our YouTube Channel. This helps others find the show and keeps us creating great content for you! Disclaimer: Our content is for general education and information purposes only. We are not providing financial, legal, or tax advice. Always do your own research or consult a professional before making important decisions.