Catching Up to FI

Allan Roth is the founder of Wealth Logic, LLC, an hourly-based Investment Advisory and Financial Planning firm that uses behavioral finance, logic, and data to develop a financial approach that will produce significantly higher real returns than most investors for their desired level of risk. He has been working in the investment world for 25 years in corporate finance and also has additional decades of experience in portfolio construction and performance benchmarking. Allan takes pride in being mocked on a semi-regular basis by some financial professionals for his hourly fee model and its apparent inability to make him rich. He is also the author of How A Second Grader Beats Wall Street and writes for AARP, Barron's, ETF.com, Advisor Perspectives, and others. Allan has taught investments and behavioral finance at the University of Denver, Colorado College, and the University of Colorado at Colorado Springs and currently teaches continuing education classes on the subject to CPAs, attorneys, and CFP® certificants. Despite the many credentials he has earned, Allan claims he can still keep investing simple and "dares us to be dull" and think like second graders in our investing. His professional goal is never to be confused with Jim Cramer. 🔗 Connect with us Buy CUtFI a coffee Record a message for CUtFI Thank you to our sponsors: Personal Finance Club (Use code CUTOFI to get $30 OFF any course or PFC investing course only!) Measure Twice Money ($100 OFF "Create Your Own Financial Plan" Comprehensive Video Course) Nectarine: Advice-Only Financial Advisors Resources mentioned on the show: Wealth Logic - Dare to be Dull How a Second Grader Beats Wall Street by Allan Roth A Random Walk Down Wall Street: The Time-Tested Strategy for Successful Investing by Burton G. Malkiel The Millionaire Next Door: The Surprising Secrets of America's Wealthy by Thomas J. Stanley Prospect Theory Predictably Irrational by Dr. Dan Ariely The Bogleheads' Guide to the Three-Fund Portfolio: How a Simple Portfolio of Three Total Market Index Funds Outperforms Most Investors with Less Risk by Taylor Larimore The Simple Path to Wealth: Your road map to financial independence and a rich, free life by JL Collins How to Think About Money by Jonathan Clements The Four Pillars of Investing: Lessons for Building a Winning Portfolio by William J. Bernstein The Little Book of Common Sense Investing: The Only Way to Guarantee Your Fair Share of Stock Market Returns by John C. Bogle Common Sense on Mutual Funds by John C. Bogle tipsladder.com Fama and French's Three-Factor Model Open Social Security: Free, open-sourced Social Security strategy calculator The Long View Podcast Episode: I Embrace Dumb Beta with Allan Roth Catching Up to FI Episodes 008 & 009: We're Talking Millions! With Paul Merriman bogleheads.org Morningstar Yahoo Finance Winning the Loser's Game: Timeless Strategies for Successful Investing by Charles D. Ellis 2023 Bogleheads Conference Disclaimer: We are not lawyers, financial advisors, accountants or tax experts. Please consult your own professional advisors before making any important decisions. Our content is for entertainment and education purposes only.

Becky and guest co-host, Mark Trautman, talk to Tony about his journey to FI and retirement while on a cruise to Alaska. This is part of a new series called On the Road with Catching Up to FI. 🔗 Connect with us Buy CUtFI a coffee Record a message for CUtFI Thank you to our sponsors: Personal Finance Club (Use code CUTOFI to get $30 OFF any course or PFC investing course only!) Measure Twice Money ($100 OFF "Create Your Own Financial Plan" Comprehensive Video Course) Nectarine: Advice-Only Financial Advisors Resources mentioned on the show: Rock Retirement Club The Retirement Answer Man Show Taking Stock: A Hospice Doctor's Advice on Financial Independence, Building Wealth, and Living a Regret-Free Life by Jordan Grumet But First, Save 10: The One Simple Money Move That Will Change Your Life by Sarah-Catherine Gutierrez Disclaimer: We are not lawyers, financial advisors, accountants or tax experts. Please consult your own professional advisors before making any important decisions. Our content is for entertainment and education purposes only.

Bill & Becky chat with our first surprise mystery guest! Check it out! 🔗 Connect with us Buy CUtFI a coffee Record a message for CUtFI Thank you to our sponsors: Personal Finance Club (Use code CUTOFI to get $30 OFF any course or PFC investing course only!) Measure Twice Money ($100 OFF "Create Your Own Financial Plan" Comprehensive Video Course) Nectarine: Advice-Only Financial Advisors Resources mentioned on the show: TSP (Thrift Savings Plan) Grit: The Power of Passion and Perseverance by Angela Duckworth The Psychology of Money: Timeless lessons on wealth, greed, and happiness by Morgan Housel Dave Ramsey Rich Dad Poor Dad: What the Rich Teach Their Kids About Money That the Poor and Middle Class Do Not! By Robert Kiyosaki Rich Dad's Cashflow Quadrant: Rich Dad's Guide to Financial Freedom by Robert Kiyosaki The Simple Path to Wealth: Your Road Map to Financial Independence and a Rich, Free Life by JL Collins I Will Teach You To Be Rich by Ramit Sethi Audio from The Unshakeable Podcast with Tony Robbins: Part 1 and Part 2 Afford Anything with Paula Pant YNAB (You Need a Budget) Playing with FIRE Documentary The Stacking Benjamins Show Catching Up to FI Episode 022: Purpose, Identity, & Connection with Jordan Grumet Jillian Johnsrud's Mini Retirements Die With Zero: Getting All You Can from Your Money and Your Life by Bill Perkins ChooseFI 101 ChooseFI Podcast Essential Listening Guide Dexa AI The Kinetic Man [email protected] Disclaimer: We are not lawyers, financial advisors, accountants or tax experts. Please consult your own professional advisors before making any important decisions. Our content is for entertainment and education purposes only.

Bill & Becky chat about the conference Podcast Movement and our show live from the FinCon Booth. 🔗 Connect with us Buy CUtFI a coffee Record a message for CUtFI Thank you to our sponsors: Personal Finance Club (Use code CUTOFI to get $30 OFF any course or PFC investing course only!) Measure Twice Money ($100 OFF "Create Your Own Financial Plan" Comprehensive Video Course) Nectarine: Advice-Only Financial Advisors Resources mentioned on the show: FinCon Podcast Movement FI Tax Guy Sean Mullaney's YouTube Channel Stacking Benjamins Afford Anything with Paula Pant Lynn Frair: The 8 Forms of Capital Bigger Pockets Money with Mindy Jensen and Scott Trench Bite Your Tongue Podcast with Denise Gorant and Dr. Ellen Braaten Hey, Boomer! Podcast with Wendy Green [email protected] Disclaimer: We are not lawyers, financial advisors, accountants or tax experts. Please consult your own professional advisors before making any important decisions. Our content is for entertainment and education purposes only.

Diania Merriam is the founder of The EconoMe Conference, a party about money designed for the FI/FIRE Movement. She is also the host of the popular podcast, Optimal Finance Daily, where she narrates articles from the best personal finance blogs on the planet (1M downloads per month). Discovering the FIRE movement in 2015 led her to get out of $30k of debt in 11 months, save 60% of her income, take a 2-month sabbatical to walk 500 miles across northern Spain on the Camino de Santiago, and self-fund her own business. She retired from her corporate career at 33 years old and now helps others find community and inspiration on the path to financial freedom. 🔗 Connect with us Buy CUtFI a coffee Record a message for CUtFI Thank you to our sponsors: Personal Finance Club (Use code CUTOFI to get $30 OFF any course or PFC investing course only!) Measure Twice Money ($100 OFF "Create Your Own Financial Plan" Comprehensive Video Course) Nectarine: Advice-Only Financial Advisors Resources mentioned on the show: (As an Amazon Associate, I earn from qualifying purchases.) EconoMe Conference (Discount code: CATCHINGUP) Optimal Finance Daily Camino de Santiago Camp FI Mr. Money Mustache Camp Mustache The 4-Hour Workweek: Escape 9-5, Live Anywhere, Join the New Rich by Tim Ferriss The Simple Path to Wealth: Your Road Map to Financial Independence and a Rich, Free Life by JL Collins Sacred Rest: Recover Your Life, Renew Your Energy, Restore Your Sanity by Saundra Dalton-Smith Oura Ring Risk Parity Radio Podcast Disclaimer: We are not lawyers, financial advisors, accountants or tax experts. Please consult your own professional advisors before making any important decisions. Our content is for entertainment and education purposes only.

CampFI Rocky Mountain live recording Week 1 of a Panel Discussion answering questions from the attendees. On the Panel are the Moderator, our own Becky Heptig, Mark Trautman, a guest on Episode 12 and a guest host on Episode 27, Doug Cunnington (The Doug Show), and Carl Jensen (Mr. 1500 Days). Doug and Carl are the cohosts of the Mile Hi FI Podcast. Sit back, relax with your favorite beverage and enjoy the tips, tricks, hacks, and humor of FI. 🔗 Connect with us Buy CUtFI a coffee Record a message for CUtFI Thank you to our sponsors: Personal Finance Club (Use code CUTOFI to get $30 OFF any course or PFC investing course only!) Measure Twice Money ($100 OFF "Create Your Own Financial Plan" Comprehensive Video Course) Nectarine: Advice-Only Financial Advisors Resources mentioned on the show: Camp FI The Mile High FI Podcast with Carl Jensen and Doug Cunnington Doug Show Podcast 1500 Days to Freedom Mr. Money Mustache Afford Anything FIREdating.me Mark's Money Mind Disclaimer: We are not lawyers, financial advisors, accountants or tax experts. Please consult your own professional advisors before making any important decisions. Our content is for entertainment and education purposes only.

Becky and guest co-host, Mark Trautman, chat with The Retirement Answer Man, Roger Whitney. They are all on vacation with a group from the Rock Retirement Club. Bill is back at the ranch working his day job and editing podcasts dreaming of time freedom on the path to financial independence, but still living his best life. As a certified financial planner for over 25 years, Roger uses his credentials and every channel possible to help people live well today without sacrificing tomorrow. He is a three-time Plutus Award Winner for best retirement blog/podcast. The podcast has over 8 million downloads and 475 episodes (and counting!). He is the author of "Rock Retirement: A Simple Guide to Help You Take Control and Be More Optimistic About the Future." Investopedia has ranked him as one of the top 100 most influential advisors several years in a row. His mom passed away at 48, sacrificing the now while dreaming of the retirement brochure in the future. He wants to help us shift what is possible in retirement by how we live, work, and celebrate what is possible right now - and keep doing it! 🔗 Connect with us Buy CUtFI a coffee Record a message for CUtFI Thank you to our sponsors: Personal Finance Club (Use code CUTOFI to get $30 OFF any course or PFC investing course only!) Measure Twice Money ($100 OFF "Create Your Own Financial Plan" Comprehensive Video Course) Nectarine: Advice-Only Financial Advisors Resources mentioned on the show: The Retirement Answer Man Rock Retirement Club Rock Retirement: A Simple Guide to Help You Take Control and Be More Optimistic About the Future by Roger Whitney The Second Mountain: The Quest for a Moral Life Atomic Habits: An Easy & Proven Way To Build Good Habits & Break Bad Ones by James Clear Outlive: The Science and Art of Longevity by Peter Attia Mark's Money Mind Disclaimer: We are not lawyers, financial advisors, accountants or tax experts. Please consult your own professional advisors before making any important decisions. Our content is for entertainment and education purposes only.

Barbara Sloan founded the Tipped Finance Platform and is the author of "Tipped: The life-changing guide to financial freedom for waitresses, bartenders, strippers, and other service industry professionals". Her life story is incredible and inspirational. She once lived in her car, danced for dollars, and definitely did not graduate from college. She now owns a multi-million dollar construction company in New York, and is also a personal finance expert and a money coach. Barbara is as brazenly brave, honest, resourceful, and transparent as any person that I have ever met. She is also, like many of us, a late starter. 🔗 Connect with us Buy CUtFI a coffee Record a message for CUtFI Thank you to our sponsors: Personal Finance Club (Use code CUTOFI to get $30 OFF any course or PFC investing course only!) Measure Twice Money ($100 OFF "Create Your Own Financial Plan" Comprehensive Video Course) Nectarine: Advice-Only Financial Advisors Resources mentioned on the show: Tipped Finance Tipped: The life changing guide to financial freedom for waitresses, bartenders, strippers, and all other service industry professionals Brene Brown Disclaimer: We are not lawyers, financial advisors, accountants or tax experts. Please consult your own professional advisors before making any important decisions. Our content is for entertainment and education purposes only.

Rob Berger wears many hats, he is a deputy editor at Forbes, an investor, lawyer, personal finance blogger, and YouTuber. He founded the popular website Doughroller.net. We discuss his book "Retire Before Mom & Dad: The Simple Numbers Behind a Lifetime of Financial Freedom." The difference here is that we are mom and dad! He recently published a video on his YouTube channel called "50+ and Haven't Saved for Retirement? Here's What To Do." He gave our show a shout-out in the same breath as Mr. Money Mustache and Choose FI! We reached out to him and he did not hesitate to join us today on Catching Up to FI. 🔗 Connect with us Buy CUtFI a coffee Record a message for CUtFI Thank you to our sponsors: Personal Finance Club (Use code CUTOFI to get $30 OFF any course or PFC investing course only!) Measure Twice Money ($100 OFF "Create Your Own Financial Plan" Comprehensive Video Course) Nectarine: Advice-Only Financial Advisors Resources mentioned on the show: Doughroller.net Retire Before Mom & Dad: The Simple Numbers Behind a Lifetime of Financial Freedom by Rob Berger 50+ and Haven't Saved for Retirement? Here's What To Do YouTube Video Financial Freedom Calculator What Is the 4% Rule for Withdrawals in Retirement and How Much Can You Spend? Atomic Habits: An Easy & Proven Way To Build Good Habits & Break Bad Ones by James Clear The Progress Principle: Using Small Wins to Ignite Joy, Engagement, and Creativity at Work by Steven Kramer and Teresa Amabile But First, Save 10: The One Simple Money Move That Will Change Your Life by Sarah-Catherine Gutierrez The Simple Path to Wealth: Your Road Map to Financial Independence and a Rich, Free Life by JL Collins Rocket Money Rob Berger's YouTube Channel Empower Personal Dashboard Mint NewRetirement Mr. Money Mustache LeanFIRE ChubbyFIRE FatFIRE Disclaimer: We are not lawyers, financial advisors, accountants or tax experts. Please consult your own professional advisors before making any important decisions. Our content is for entertainment and education purposes only.

Bill & Becky continue their chat with THE JL Collins, author of THE Simple Path to Wealth and the acclaimed "Godfather of FI". We began the last episode with JL Collins playing John Goodman in the "Why you need F-You Money" clip. We start this episode with "A Guided Meditation for When the Stock Market is Dropping". JL helps us answer many questions. What do we do when the stock market drops? What about international diversification? What about dollar cost averaging a lump sum into the market? Tune in! Just like the old EF Hutton commercial, "When JL Collins talks, people listen!" :) 🔗 Connect with us Buy CUtFI a coffee Record a message for CUtFI Thank you to our sponsors: Personal Finance Club (Use code CUTOFI to get $30 OFF any course or PFC investing course only!) Measure Twice Money ($100 OFF "Create Your Own Financial Plan" Comprehensive Video Course) Nectarine: Advice-Only Financial Advisors Resources mentioned on the show: JL Collins homepage A Guided Meditations for When the Stock Market is Dropping The Stock Series The Simple Path to Wealth: Your Roadmap to Financial Independence and a Rich, Free Life by JL Collins How I Lost Money in Real Estate Before it was Fashionable: A Cautionary Tale by JL Collins Pathfinders: Extraordinary Stories of People Like You on the Path to Financial Independence-And How to Join Them by JL Collins to be released October 31, 2023 Dollar Cost Averaging Posts VTSAX, Vanguard's Total Stock Market Index Fund VBTLX, Vanguard's Total Bond Market Index Fund How I Failed My Daughter and a Simple Path to Wealth Disclaimer: We are not lawyers, financial advisors, accountants or tax experts. Please consult your own professional advisors before making any important decisions. Our content is for entertainment and education purposes only.

THE JL Collins is the author of THE Simple Path to Wealth and aptly named the "Godfather of FI". For over 600,000 readers, his first book has become a sort of "Bible of FI". He is a humble spokesperson for those on their own personal journey to financial independence. In Part 1 of our conversation, we talk with him about his own journey and his thoughts on real estate and index fund investing. We start the show with R-Rated audio from the popular JL Collins parody of a John Goodman clip from the movie "The Gambler", "The Position of F**k You". 🔗 Connect with us Buy CUtFI a coffee Record a message for CUtFI Thank you to our sponsors: Personal Finance Club (Use code CUTOFI to get $30 OFF any course or PFC investing course only!) Measure Twice Money ($100 OFF "Create Your Own Financial Plan" Comprehensive Video Course) Nectarine: Advice-Only Financial Advisors Resources mentioned on the show: JL Collins homepage The Position of F@#% You, JL Collins tribute to The Gambler with John Goodman The Simple Path to Wealth: Your Roadmap to Financial Independence and a Rich, Free Life by JL Collins How I Lost Money in Real Estate Before It Was Fashionable: A Cautionary Tale by JL Collins Pathfinders: Extraordinary Stories of People Like You on the Quest for Financial Independence-And How to Join Them by JL Collins The Stock Series by JL Collins The Simple Path to Wealth, JL Collins talks at Google Why Your House is a Terrible Investment Roots vs Wings: Considering Home Ownership Rent vs Owning Your Home: Opportunity Cost and Running Some Numbers Time Machine and the Future Returns for Stocks Disclaimer: We are not lawyers, financial advisors, accountants or tax experts. Please consult your own professional advisors before making any important decisions. Our content is for entertainment and education purposes only.

Jordan Grumet, aka Doc G, is an accomplished doctor, blogger, public speaker, podcaster, and author. He is the host of the incredibly popular and award-winning podcast Earn & Invest. Bill thinks of him as a time-money philosopher. Today we discuss his book Taking Stock: A Hospice Doctor's Advice on Financial Independence, Building Wealth, and Living a Regret-Free Life. Bill would consider this book a companion book to JL Collin's "The Simple Path to Wealth". Actually, Bill would read Jordan's book first. This is a show about mindset, life, and reverse engineering your death. As one of Jordan's patients aptly said, "Dying is easy. Living is the harder part." 🔗 Connect with us Buy CUtFI a coffee Record a message for CUtFI Thank you to our sponsors: Personal Finance Club (Use code CUTOFI to get $30 OFF any course or PFC investing course only!) Measure Twice Money ($100 OFF "Create Your Own Financial Plan" Comprehensive Video Course) Nectarine: Advice-Only Financial Advisors Resources mentioned on the show: Earn & Invest Podcast Taking Stock: A Hospice Doctor's Advise on Financial Independence, Building Wealth, and Living a Regret-Free Life by Jordan Grumet The Simple Path to Wealth: Your Roadmap to Financial Independence and a Rich Free Life by J L Collins Vicki Robbin Jim Dahle Maslow's Hierarchy of Needs Disclaimer: We are not lawyers, financial advisors, accountants or tax experts. Please consult your own professional advisors before making any important decisions. Our content is for entertainment and education purposes only.

Brad Barrett is the co-founder and host of the ChooseFI Podcast and Platform. We talk about his personal story, travel hacking, and the genesis of ChooseFI. Since 2016, ChooseFI has literally changed the world in which we live. It is the "ultimate crowdsourced personal finance podcast" with over 60M downloads. It is a standard-bearer of hope that Bill has no doubt the majority of FI enthusiasts follow. It encourages us to take action in all aspects of our lives, not just the financial ones. ChooseFI teaches us how to compound our marginal gains towards financial and time freedom and living our best lives. 🔗 Connect with us Buy CUtFI a coffee Record a message for CUtFI Thank you to our sponsors: Personal Finance Club (Use code CUTOFI to get $30 OFF any course or PFC investing course only!) Measure Twice Money ($100 OFF "Create Your Own Financial Plan" Comprehensive Video Course) Nectarine: Advice-Only Financial Advisors Resources mentioned on the show: ChooseFI ChooseFI online FI101 Class ChooseFI Travel Rewards Richmond Savers Travel Miles 101 The 4-Hour Work Week by Tim Ferriss Undercover Tourist Radical Personal Finance Disclaimer: We are not lawyers, financial advisors, accountants or tax experts. Please consult your own professional advisors before making any important decisions. Our content is for entertainment and education purposes only.

Amberly Grant is a community leader, financial educator, real estate investor, and was recently featured on CNBC's Make It Series. She currently owns seven doors between Canada and the US, comprised of STRs and LTRs. She creates financial educational content on Instagram, hosts a Tuesday FinTalks (where 30-50 people from all walks of life talk weekly about different financial topics), runs a mentorship program, and mastermind. She does all this while holding down a W-2 job and breastfeeding her first child. Amberly is bubbly, energetic, quirky, and determined to bring others along with her on the path to financial independence. 🔗 Connect with us Buy CUtFI a coffee Record a message for CUtFI Thank you to our sponsors: Personal Finance Club (Use code CUTOFI to get $30 OFF any course or PFC investing course only!) Measure Twice Money ($100 OFF "Create Your Own Financial Plan" Comprehensive Video Course) Nectarine: Advice-Only Financial Advisors Resources mentioned on the show: 50% Rule of Real Estate Investing CNBC Make It! Series FinTalks CampFI Amberly Grant Finance Disclaimer: We are not lawyers, financial advisors, accountants or tax experts. Please consult your own professional advisors before making any important decisions. Our content is for entertainment and education purposes only.

Fritz Gilbert is the author of the popular blog The Retirement Manifesto with over 13,000 subscribers. He takes us on his journey to retirement in his fifties and discusses the hard (monetary) and soft (non-monetary) sides of retirement. He emphasizes the importance of both and that the numbers are the easy part making up only really 20% of the journey to time freedom. We discuss the "what are you going to do with your freedom" when you get there and when you should start that transition. This is a long one, but you are gonna want to hear it all. 🔗 Connect with us Buy CUtFI a coffee Record a message for CUtFI Thank you to our sponsors: Personal Finance Club (Use code CUTOFI to get $30 OFF any course or PFC investing course only!) Measure Twice Money ($100 OFF "Create Your Own Financial Plan" Comprehensive Video Course) Nectarine: Advice-Only Financial Advisors Resources mentioned on the show: (As an Amazon Associate, I earn from qualifying purchases.) The Retirement Manifesto Keys to a Successful Retirement: Staying Happy, Active, and Productive in Your Retired Years by Fritz Gilbert John Bogle Vanguard How To Do A Backdoor Roth IRA, White Coat Investor Are Safe Withdrawal Rates Ridiculous Wade Pfau Retirement Researcher Capital One 360 Our Retirement Investment Drawdown Strategy, The Retirement Manifesto Blog Is The Bucket Strategy a Cheap Gimmick, The Retirement Manifesto Blog Mike Piper Retirement Heaven or Hell: 9 Principles For Designing Your Ideal Post-Career LIfestyle by Michael Drak Freedom for Fido It's Never Too Late To Save For Retirement, The Retirement Manifesto Blog Freedom For Fido Facebook Page Disclaimer: We are not lawyers, financial advisors, accountants or tax experts. Please consult your own professional advisors before making any important decisions. Our content is for entertainment and education purposes only.

Amy Coroso is a passionate advocate for women's financial literacy and retirement equality. She is a divorced single mother of two boys with a middle income who woke up in her mid-forties to face her own financial illiteracy and poor planning. She is now on track to reach financial freedom at 59. She is also a brand new author and financial coach. She has turned her financial weaknesses into the superpower of helping others build their financial muscles. This is her first podcast guest appearance ever! 🔗 Connect with us Buy CUtFI a coffee Record a message for CUtFI Thank you to our sponsors: Personal Finance Club (Use code CUTOFI to get $30 OFF any course or PFC investing course only!) Measure Twice Money ($100 OFF "Create Your Own Financial Plan" Comprehensive Video Course) Nectarine: Advice-Only Financial Advisors Resources mentioned on the show: Planning Your Retirement Life: Secure Your Future NOW: A Woman's 8-Step Guide To Financial Freedom, Even If You Have No Money, No Time, and Don't Know Where to Start CBS News Article, The Shocking Reality for US Moms, Half Have No Retirement Savings Spousal IRA Financial Feminist The Budgetnista YNAB Dave Ramsey Tardus Wealth Strategies Income Snowball AJC Publications National Financial Education Council Happy Money Books Amy's email: [email protected] Disclaimer: We are not lawyers, financial advisors, accountants or tax experts. Please consult your own professional advisors before making any important decisions. Our content is for entertainment and education purposes only.

Vincent Pugliese was a self-proclaimed thief, taker, and failure in his formative years. He later evolved into an award-winning professional photographer. In his most recent life, he is an author, motivational speaker, professional coach, a time freedom fighter, an eternal optimist, and a giver. He is a contrarian philosopher and does not believe in FIRE (Financial Independence Retire Early) or Retirement. This show is not about money, at least directly. Bill & Becky talk with Vincent about freelancing to freedom and a wealth of connections. Let us take you on a mindset journey into your best life now. Why wait? 🔗 Connect with us Buy CUtFI a coffee Record a message for CUtFI Thank you to our sponsors: Personal Finance Club (Use code CUTOFI to get $30 OFF any course or PFC investing course only!) Measure Twice Money ($100 OFF "Create Your Own Financial Plan" Comprehensive Video Course) Nectarine: Advice-Only Financial Advisors Resources mentioned on the show: The Go Giver by Bob Burg and John David Mann Seth Godin Total Life Freedom website The Wealth of Connection by Vincent Pugliese free audio book Total Life Freedom School Total Life Freedom Mastermind and Community Disclaimer: We are not lawyers, financial advisors, accountants or tax experts. Please consult your own professional advisors before making any important decisions. Our content is for entertainment and education purposes only.

Rumba and JOMO are "characters" in the story of Olivia who is the heroine of Sarah Catherine Gutierrez's book: But First, Save 10: The One Simple Money Move That Will Change Your Life. Olivia is an 18-30-year-old woman at the beginning of her financial journey, but her path is applicable to all of us late starters of any age. SC is a friend, a certified financial planner, and sucked at math. She is also a game changer in the financial industrial complex. In this episode, we dive into her story, dreams, and goals. Along the way, we talk about Cash Flow Planning, The Tax Efficient Waterfall, Women and Money, and Save, Save, Save. You will not want to miss this episode. 🔗 Connect with us Buy CUtFI a coffee Record a message for CUtFI Thank you to our sponsors: Personal Finance Club (Use code CUTOFI to get $30 OFF any course or PFC investing course only!) Measure Twice Money ($100 OFF "Create Your Own Financial Plan" Comprehensive Video Course) Nectarine: Advice-Only Financial Advisors Resources mentioned on the show: Aptus Financial Ladysplaining Money But First, Save 10 Signed copy of Sarah Catherines' Book, But First Save 10: The One Simple Money Move That Will Change Your Life Disclaimer: We are not lawyers, financial advisors, accountants or tax experts. Please consult your own professional advisors before making any important decisions. Our content is for entertainment and education purposes only.

Bill & Becky chit-chat about what is going on in their lives this week. This week we had birthdays, funerals, and car trauma. Life throws us curve balls. It surprises us with joy, sorrow, and challenges. Time is fragile and not guaranteed. As humans and late starters, we are incredibly resilient, adaptive, and resourceful. We are here not just to survive, but to thrive together. 🔗 Connect with us Buy CUtFI a coffee Record a message for CUtFI Thank you to our sponsors: Personal Finance Club (Use code CUTOFI to get $30 OFF any course or PFC investing course only!) Measure Twice Money ($100 OFF "Create Your Own Financial Plan" Comprehensive Video Course) Nectarine: Advice-Only Financial Advisors Disclaimer: We are not lawyers, financial advisors, accountants or tax experts. Please consult your own professional advisors before making any important decisions. Our content is for entertainment and education purposes only.

Naseema McElroy is a force of nature and an inspiration in the financial literacy space, especially for late starters. She comes from very humble beginnings, raised by a low-income single dad. She is a strong black woman, a single mom of 2.5 kids, a labor and delivery nurse, and a "financially intentional" wiz! Her debt paydown story is incredible, yet still applicable to anyone with debt to pay off. Her personal story of resilience and perseverance is equally incredible. 🔗 Connect with us Buy CUtFI a coffee Record a message for CUtFI Thank you to our sponsors: Personal Finance Club (Use code CUTOFI to get $30 OFF any course or PFC investing course only!) Measure Twice Money ($100 OFF "Create Your Own Financial Plan" Comprehensive Video Course) Nectarine: Advice-Only Financial Advisors Resources mentioned on the show: Financially Intentional Smart Money: The Step-by-Step Personal Finance Plan to Crush Debt Investing for Kids eBook Disclaimer: We are not lawyers, financial advisors, accountants or tax experts. Please consult your own professional advisors before making any important decisions. Our content is for entertainment and education purposes only.

Sean Mullaney is the FI Tax Guy. Like budgets, the B word, taxes, or the T word can be intimidating and generate stress and avoidance. Sean makes tax planning and retirement accounts fun and engaging. We must all play the tax game by the rules and work to pay the least tax allowable under the law. Taxes are one of our biggest costs in life and always remember that what you don't spend, you get to keep. Sean is a financial planner and writes The FI Tax Guy blog focused on the intersection of tax and financial independence. In 2022 he authored the book Solo 401(k): The Solopreneur's Retirement Account. 🔗 Connect with us Buy CUtFI a coffee Record a message for CUtFI Thank you to our sponsors: Personal Finance Club (Use code CUTOFI to get $30 OFF any course or PFC investing course only!) Measure Twice Money ($100 OFF "Create Your Own Financial Plan" Comprehensive Video Course) Nectarine: Advice-Only Financial Advisors Resources mentioned on the show: Mullaney Financial & Tax The FI Tax Guy The Advantages of Living on Taxable Assets First in Early Retirement Sean's TikTok Advice Blog Post which includes Tax Rate Arbitrage Early Retirement and Social Security HSAs and Previously Unreimbursed Qualified Medical Expenses Disclaimer: The discussion is intended to be for general educational purposes and is not tax, legal, or investment advice for any individual. Becky, Bill and the Catching Up to FI podcast do not endorse Sean Mullaney, Mullaney Financial & Tax, Inc., and their services.

Mark Trautman is a community member, he was a caddy, a valet, and a mutual fund manager for 25 years and retired early at 50. He lives off his portfolio and in Crested Butte, CO. Mark lost his lovely wife to cancer two years ago. He is a financial whiz and takes us on his personal and money journey dropping knowledge bombs the entire show. From Tigger backpacks to Coca-Cola compounding to 529s you'll hear much about Mark's Money Mind! Don't miss this one. 🔗 Connect with us Buy CUtFI a coffee Record a message for CUtFI Thank you to our sponsors: Personal Finance Club (Use code CUTOFI to get $30 OFF any course or PFC investing course only!) Measure Twice Money ($100 OFF "Create Your Own Financial Plan" Comprehensive Video Course) Nectarine: Advice-Only Financial Advisors Resources mentioned on the show: Mr. Money Mustache's "The Shockingly Simple Math to Early Retirement" After the Death of Your Spouse: Next Financial Steps for Surviving Spouses by Mike Piper Die With Zero: Getting All You Can From Your Money and Your Life by Bill Perkins ICE Binder Taking Stock: A Hospice Doctor's Advice on Financial Independence, Building Wealth, and Living a Regret-Free LIfe by Jordan Grumet Mark's Money Mind Ramit Sethi Brad Kontz Money Scripts Stacked: Your Super-Serious Guide to Modern Money Management by Joe Saul-Sehy and Emily Guy Birken The Wealthy Barber: Everyone's Common Sense Guide to Becoming Financially Independent by David Chilton The Millionaire Next Door: The Surprising Secrets of America's Wealthy by Thomas J. Stanley Disclaimer: We are not lawyers, financial advisors, accountants or tax experts. Please consult your own professional advisors before making any important decisions. Our content is for entertainment and education purposes only.

Jennifer Allen, a Catching Up to FI Facebook community member, joins us for her first podcast! We talk about her journey to FI in her early 50s from a health scare wake-up call at 40. We touch on topics like spousal buy-in, geo-arbitrage, FI healthcare prior to Medicare, tax and income optimization in retirement, and IRMAA, among many others. 🔗 Connect with us Buy CUtFI a coffee Record a message for CUtFI Thank you to our sponsors: Personal Finance Club (Use code CUTOFI to get $30 OFF any course or PFC investing course only!) Measure Twice Money ($100 OFF "Create Your Own Financial Plan" Comprehensive Video Course) Nectarine: Advice-Only Financial Advisors Resources mentioned on the show: Mr. Money Mustache - The Shockingly Simple Math Behind Early Retirement The Mad Fientist ChooseFI Frugalwoods Empower (formerly Personal Capital) Disclaimer: We are not lawyers, financial advisors, accountants or tax experts. Please consult your own professional advisors before making any important decisions. Our content is for entertainment and education purposes only.

Bill and Becky take off the gloves and go to war. To budget or not to budget...that is the question. Bill is a "nerd light" tracker. Becky is an all-in spreadsheet nerd budgeter. This is a smackdown on what type of budget is best, styles, pros, cons, and apps. Listen to the end and find out how Bill budgeted for skydiving and Becky for race car driving. 🔗 Connect with us! Buy CUtFI a coffee Record a message for CUtFI 🔗 Connect with us Buy CUtFI a coffee Record a message for CUtFI Thank you to our sponsors: Personal Finance Club (Use code CUTOFI to get $30 OFF any course or PFC investing course only!) Measure Twice Money ($100 OFF "Create Your Own Financial Plan" Comprehensive Video Course) Nectarine: Advice-Only Financial Advisors Resources mentioned on the show: YNAB Mint Every Dollar Empower (formerly Personal Capital) Quicken Disclaimer: We are not lawyers, financial advisors, accountants or tax experts. Please consult your own professional advisors before making any important decisions. Our content is for entertainment and education purposes only.

This is Part 2 of a conversation with Paul Merriman about his book We're Talking Millions! Part 1 is Episode 8. Here we talk about Dollar Cost Averaging, managing taxes, Target-date funds, Small Cap Value, rebalancing, and more. Paul is an expert on index funds and asset allocation. He is a passionate educator focused on helping individual and DIY investors. 🔗 Connect with us Buy CUtFI a coffee Record a message for CUtFI Thank you to our sponsors: Personal Finance Club (Use code CUTOFI to get $30 OFF any course or PFC investing course only!) Measure Twice Money ($100 OFF "Create Your Own Financial Plan" Comprehensive Video Course) Nectarine: Advice-Only Financial Advisors Resources mentioned on the show: (As an Amazon Associate, I earn from qualifying purchases.) 📗 We're Talking Millions!: 12 Simple Ways to Supercharge Your Retirement www.paulmerriman.com Sound Investing Podcast Free Ebooks 2 Funds for Life Disclaimer: We are not lawyers, financial advisors, accountants or tax experts. Please consult your own professional advisors before making any important decisions. Our content is for entertainment and education purposes only.

Paul Merriman is a retired financial advisory firm founder with over a billion dollars of assets under management when he sold his company in 2012. He is a passionate financial educator who aims to help the individual investor. Today we are fortunate to have him spend time with us talking about 12 simple ways to supercharge your retirement. This is Part 1 of a 2-part episode full of nuggets of wisdom. CORRECTION: Please note that at minute 15 there is a numerical error. "I misspoke and said $100 in stocks grew from 7,500 to 12,000 and it should have been 750,000 and 15 million." 🔗 Connect with us Buy CUtFI a coffee Record a message for CUtFI Thank you to our sponsors: Personal Finance Club (Use code CUTOFI to get $30 OFF any course or PFC investing course only!) Measure Twice Money ($100 OFF "Create Your Own Financial Plan" Comprehensive Video Course) Nectarine: Advice-Only Financial Advisors Resources mentioned on the show: www.paulmerriman.com Sound Investing Podcast The Merriman Financial Education Foundation Free Ebooks https://opensocialsecurity.com Disclaimer: We are not lawyers, financial advisors, accountants or tax experts. Please consult your own professional advisors before making any important decisions. Our content is for entertainment and education purposes only.

Jackie Cummings Koski, CFP, has been featured on CNBC, The Rachel Ray Show, Marketwatch, Forbes, and People Magazine. She is a single mother and a force in financial education who grew up in poverty, started late on her path to FI, and "finished early" with a net worth of $1.4M at 49 years old. Her story is incredible. Her wisdom is vast. Her dream of a financially literate society is a palpable passion. She is not done yet! 🔗 Connect with us Buy CUtFI a coffee Record a message for CUtFI Thank you to our sponsors: Personal Finance Club (Use code CUTOFI to get $30 OFF any course or PFC investing course only!) Measure Twice Money ($100 OFF "Create Your Own Financial Plan" Comprehensive Video Course) Nectarine: Advice-Only Financial Advisors Resources mentioned on the show: (As an Amazon Associate, I earn from qualifying purchases.) Jackie can be reached at Money Letters Jackie supports Better Investing Jackie's Book Money Letters 2 My Daughter is available for purchase on Amazon If you wish to obtain an In Case of Emergency (ICE) Binder, you can find it at Emergency Binders Disclaimer: We are not lawyers, financial advisors, accountants or tax experts. Please consult your own professional advisors before making any important decisions. Our content is for entertainment and education purposes only.

Becky and Bill are interviewed by Jordan Grummet, aka Doc G, on the Earn & Invest Podcast. We attempt to answer the question is it ever too late to start among other topics for late starters. We are out of town at the Econome Conference and will return with a new guest next week. 🔗 Connect with us Buy CUtFI a coffee Record a message for CUtFI Thank you to our sponsors: Personal Finance Club (Use code CUTOFI to get $30 OFF any course or PFC investing course only!) Measure Twice Money ($100 OFF "Create Your Own Financial Plan" Comprehensive Video Course) Nectarine: Advice-Only Financial Advisors Disclaimer: We are not lawyers, financial advisors, accountants or tax experts. Please consult your own professional advisors before making any important decisions. Our content is for entertainment and education purposes only.

Deanna Hutchison of www.brokenvesselsmadewhole.life had an alcohol and drug addiction that left her devastated personally and financially in mid-life. She talks with us about her journey from despair to redemption, recovery, and forgiveness on her late start in life and financial independence. Her story, message, and mission are powerful. This is a must-listen inspirational episode. 🔗 Connect with us Buy CUtFI a coffee Record a message for CUtFI Thank you to our sponsors: Personal Finance Club (Use code CUTOFI to get $30 OFF any course or PFC investing course only!) Measure Twice Money ($100 OFF "Create Your Own Financial Plan" Comprehensive Video Course) Nectarine: Advice-Only Financial Advisors Resources mentioned on the show: Broken Vessels Made Whole Dave Ramsey Financial Peace University JL Collins, The Simple Path to Wealth ChooseFI The ancient Japanese art of Kintsugi Disclaimer: We are not lawyers, financial advisors, accountants or tax experts. Please consult your own professional advisors before making any important decisions. Our content is for entertainment and education purposes only.

Bill & Becky are joined by their first guest, Late Starter FIRE, hails from Down Under in Melbourne Australia. She woke up to financial independence at 47 and is on track to retire at 55! She takes us through her action plan for late starters available on her website www.latestarterfire.com. 🔗 Connect with us Buy CUtFI a coffee Record a message for CUtFI Thank you to our sponsors: Personal Finance Club (Use code CUTOFI to get $30 OFF any course or PFC investing course only!) Measure Twice Money ($100 OFF "Create Your Own Financial Plan" Comprehensive Video Course) Nectarine: Advice-Only Financial Advisors Resources mentioned on the show: LateStarterFire Late Starter Fire Action Plan Use discount code cathcinguptofi at checkout to get the Action Plan + Companion Journal for the price of the action plan alone. Late Starter Fire Facebook Group Disclaimer: We are not lawyers, financial advisors, accountants or tax experts. Please consult your own professional advisors before making any important decisions. Our content is for entertainment and education purposes only.

Bill and Becky talk cash flow planning and sinking funds. We try and make them sexy and help you see why they are an invaluable way to take care of occasional expected expenses and unexpected financial surprises. 🔗 Connect with us Buy CUtFI a coffee Record a message for CUtFI Thank you to our sponsors: Personal Finance Club (Use code CUTOFI to get $30 OFF any course or PFC investing course only!) Measure Twice Money ($100 OFF "Create Your Own Financial Plan" Comprehensive Video Course) Nectarine: Advice-Only Financial Advisors Disclaimer: We are not lawyers, financial advisors, accountants or tax experts. Please consult your own professional advisors before making any important decisions. Our content is for entertainment and education purposes only.

Bill interviews his co-host Becky and takes you on a behind-the-scenes look at how she and her husband started with a net worth of zero at fifty and retired "earlier than never" at 63! 🔗 Connect with us Buy CUtFI a coffee Record a message for CUtFI Thank you to our sponsors: Personal Finance Club (Use code CUTOFI to get $30 OFF any course or PFC investing course only!) Measure Twice Money ($100 OFF "Create Your Own Financial Plan" Comprehensive Video Course) Nectarine: Advice-Only Financial Advisors Resources mentioned on the show: www.startedat50.com https://www.facebook.com/groups/725860611251916 Disclaimer: We are not lawyers, financial advisors, accountants or tax experts. Please consult your own professional advisors before making any important decisions. Our content is for entertainment and education purposes only.

Becky interviews her co-host Bill regarding his conflicted relationship with money on the way to financial recovery after a late start on the journey to financial independence. 🔗 Connect with us Buy CUtFI a coffee Record a message for CUtFI Thank you to our sponsors: Personal Finance Club (Use code CUTOFI to get $30 OFF any course or PFC investing course only!) Measure Twice Money ($100 OFF "Create Your Own Financial Plan" Comprehensive Video Course) Nectarine: Advice-Only Financial Advisors Resources mentioned on the show: Catching Up to FI | Facebook Disclaimer: We are not lawyers, financial advisors, accountants or tax experts. Please consult your own professional advisors before making any important decisions. Our content is for entertainment and education purposes only.

Bill & Becky are late starters on the journey to financial independence. They introduce the show and give a glimpse of what to expect. 🔗 Connect with us Buy CUtFI a coffee Record a message for CUtFI Thank you to our sponsors: Personal Finance Club (Use code CUTOFI to get $30 OFF any course or PFC investing course only!) Measure Twice Money ($100 OFF "Create Your Own Financial Plan" Comprehensive Video Course) Nectarine: Advice-Only Financial Advisors Resources mentioned on the show: Disclaimer: We are not lawyers, financial advisors, accountants or tax experts. Please consult your own professional advisors before making any important decisions. Our content is for entertainment and education purposes only.