ChooseFI

John Zeratsky, author of Make Time, joins Brad and Jonathan to share actionable tips to build a framework that cuts through your perpetual state of busyness. For more information, visit the show notes at https://ChooseFI.com/168

Dropping mortgage rates prompt a conversation that explores the pros and cons of refinancing your mortgage at a lower rate. Plus, Steve Chen from NewRetirment joins the show to share the comprehensive retirement planning tools that his company has to offer. For more information, visit the show notes at https://choosefi.com/167R

Rob and Reshawn from Learn Hustle Grow discuss combining their finances and building a real estate portfolio. They talk about money mindsets, building a life together, paying down their home, working in sales and more. For more information, visit the show notes at https://choosefi.com/167

Find out more about the upcoming ChooseFI documentary series, Andrew and Zach's experiments in financial independence, and community corrections. For more information, visit the show notes at https://ChooseFI.com/166R

Court joins the show to share how she and her wife tackled six figures of student loan debt and achieved financial independence in their early 30s with a family. For more information, visit the show notes at https://ChooseFI.com/166

Answers to several reader questions about investing efficiently for your financial freedom. Learn more about low-cost broad-based index funds or if you should max out your 401k early. Recent market volatility has provided an opportunity to test your investment resolve. Any low-cost broad-based index fund is a solid investment strategy, VTSAX is not the only option. Understanding the difference between Roth vs traditional options can help you plan your tax-efficient retirement. Fee-only advisors that act as fiduciaries in every area can be helpful. However, many financial advisors are not fiduciaries and have an assets under management fee structure. For more information, visit the show notes at https://choosefi.com/165R

The founder of YNAB, Jesse Meacham, shares his story about: Finding your "non-negotiable" Introducing your spouse to FIRE Do you really need a budget? For more information, visit the show notes at https://ChooseFI.com/165

Learn about the five love languages and how they can help you communicate with your partner better. For more information, visit the show notes at https://ChooseFI.com/164R

Amon and Christina join the show today to share their journey to Financial Independence as two federal employees with young children. The couple was able to retire early in just eight years! For more information, visit the show notes at https://choosefi.com/164

An updated case study of the Roth IRA conversion ladder and a challenge for the community are some of the topics that Brad and Jonathan tackle today. For more information, visit the show notes at https://www.choosefi.com/163R

Liz grew up with a single mom that struggled financially after getting divorced. Due to that, she had to learn how to budget at a very young age. She helped her mom pay off some debt over a period of years. Braden had a completely different relationship with money. He grew up in a well-off family, so he never had to worry about money. He did get a job at 16 because his parents wanted him to learn the value of hard work. Liz and Braden share their story of: • Landing over $100k in scholarships • World Travels • Finding FI • Staying at Home For more information, visit the show notes at https://choosefi.com/163

Half full? Half Empty? Ehh... There's some water in the cup. Medical bills are never fun, but at least you met your deductible... at the very end of the year. Brad and Jonathan discuss building credit from ground zero, and reflecting a bit on Gretchin Rubin's "The 4 tendencies". In addition, we share a segment with Larry Hagner from the Dad Edge Alliance discussing the importance of financial intimacy. This is your Friday Roundup! For more information, visit the show notes at https://choosefi.com/162R

Although finding the path to FI can be exciting, it can be frustrating to have difficulty communicating this vision to your family and friends. Gretchen Rubin joins the show to shed some light on the four tendencies or people and how to communicate with each tendency. For more information, visit the show notes at https://ChooseFI.com/162

Welcome to the first Roundup of 2020! Brad and Jonathan share exciting announcements like: • Launch of Everyday Courage by Jillian Johnsrud • FI101 and the ChooseFI International Foundation • Updates To The Tax Code For more information, visit the show notes at https://choosefi.com/161R

Jackie Cummings Koski shares her story of a single mom that made FIRE a reality. She proves that there is no one way to achieve FI. The goal can be accomplished by people from all walks of life and Jackie offers a unique perspective of FI. For more information, visit the show notes at https://choosefi.com/161

The ChooseFI family is launching a new podcast today. Everyday Courage is officially live! Please take a moment to subscribe to Jillian Johnsrud's new podcast https://www.choosefi.com/everyday-courage

As we ring in the new year, it is time to celebrate our community's wins. This episode is dedicated entirely to the wins that have happened throughout the community this year. The goal is to congratulate everyone on a fantastic year and inspire the community to continue to achieve amazing things next year. For more information, visit the show notes at https://choosefi.com/160

It's the last Friday roundup of the decade! Learn how to level up your skills with: Everyday Courage New Year's Resolutions Building A Business with Intentionality For more information, visit the show notes at https://ChooseFI.com/159R

Jaime Masters has been a part of the personal finance space since 2011. It all started with a desire to share her story. Listen as she talks about time management, building a business, sales and marketing, and more. For more information, visit the show notes at https://choosefi.com/159

Learn how to calculate your real hourly wage and savings rate. We discuss Kim's story shared on Monday's episode, meal planning, and more. For more information, visit the show notes at https://choosefi.com/158R

Kim from The Frugal Engineers shares her journey and the importance of determining your real hourly wage. Kim's story goes from Boarding School to College to a real hourly wage to quitting her day job and building a business. For more information, visit the show notes at https://choosefi.com/158

After learning more about habits with James Clear this week, Brad and Jonathan discuss the compounding interest of self improvement and turning intention into action. What's covered in today's show: • Building Habits • Identity Statements • Find Your Tribe …and more. For more information, visit the show notes at https://choosefi.com/157R

James Clear, author of Atomic Habits , shares his story. The conversation dives into the difference between systems and goals. How To See Through The Short-Term For The Long-Term The Compounding Effect How Identity Drives Your Habits Goals, Systems, and more For more information, visit the show notes at https://choosefi.com/157

A gap year might seem unthinkable for some but Noah and Becky share exactly how they navigated their gap year. Plus, Brad and Jonathan discuss emergency funds and your risk tolerance. For more information, visit the show notes at https://www.choosefi.com/156R

Rob Berger, founder of Dough Roller and Retire Before Mom and Dad, talks about the simple math of early retirement and more essential FI lessons that are important to talk about. For more information, visit the show notes at https://ChooseFI.com/156

Sean Mullaney joins the show to discuss year-end tax planning. He goes into deductions, self-employment income, and how to get the most from your deductions. For more information, visit the show notes at https://ChooseFI.com/155r

Leslie Tayne opens up about her journey as a single parent, financial problems in her first marriage, and how to move forward from debt. For more information, visit the show notes at https://choosefi.com/155

Tim and Amy from Go With Less join Brad and Jonathan to discuss their unique travel strategy. Plus, tips on how to design your dream life. Some of the topics in today's show: House Sitting With Tim And Amy Build Your Dream Life FI 101 and more For more information, visit the show notes at https://www.choosefi.com/154r

Graduating from college debt-free can accelerate the path to FI dramatically. Brian Eufinger and Seonwoo Lee share their best tips on hacking the FAFSA on today's episode. For more information, visit the show notes at https://choosefi.com/154

On today's Friday Roundup, Jonathan's shares his experience with health coverage after his wife welcomed a new baby into their family. We also discuss Healthshare plans and Healthcare After FI. For more information, visit the show notes at https://choosefi.com/153R

Medical debt has the power to seriously hurt your financial future. Many Americans are faced with unavoidable medical debt that has crippled their financial situation. RIP Medical Debt is a nonprofit working to forgive medical debt for pennies on the dollar. Today on the show, they share their background and the amazing progress they've made. For more information, visit the show notes at https://choosefi.com/153

Big ERN comes on the show today to break down the numbers of Becky's retirement plan. He works through their real numbers to determine how solid their retirement plan is. For more information, visit the show notes at https://choosefi.com/152R https://choosefi.com/becky

Becky Heptig shares her personal story to show that FI is an attainable goal at any age. It is an encouraging story because it shows no matter what age you find FI at, it is not too late to change your life for the better. For more information, visit the show notes at https://choosefi.com/152

Using David Hauser's framework from last week of decision making through split testing, Brad and Jonathan look at their sleep, fitness, and diet. For more information, visit the show notes at https://choosefi.com/151R

As a successful start-up founder, David Hauser felt mercilessly driven to create success through extreme measures. Today, he opens up to Brad and Jonathan about his drive to succeed and how he has applied an experimentation framework to his health and wellness. For more information, visit the show notes at https://choosefi.com/151

Building your blueprint to FI starts with the basics. A simple thing like tracking your spending can set you on a path that will change your life forever. Today, we get back to FI 101 and uncover the stark difference between goals and systems. For more information, visit the show notes at https://choosefi.com/150r

Diania Merriam discusses accountability, shifting perspectives, and community. She has a great perspective on building community and life with balance. For more information, visit the show notes at https://ChooseFI.com/150

How to break Old Navy and cockamamie life insurance schemes are just two of the topics Brad and Jonathan cover in today's episode. For more information, visit the show notes at https://ChooseFI.com/149r

Tyson Koska shares his On Trajectory tool and what led him to his own path of Financial Independence. Brad and Jonathan discuss how Tyson got started with FI and how On Trajectory tools cover net worth tracking and digital options. For more information, visit the show notes at https://choosefi.com/149

Craig Curelop, author of The House Hacking Strategy: How to Use Your Home to Achieve Financial Freedom, shares his house hacking strategies. We also discuss Expense Ratios and the new book, ChooseFI: Your Blueprint to Financial Independence. For more information, visit the show notes at https://ChooseFI.com/148R

Andréa has committed her life to social studies and taking FI information to people experiencing poverty. She grew up in a similar situation. At age seven, Andréa saw her first violent murder. Throughout her childhood, being raised by a single mother, she struggled with food insecurity and housing insecurity. However, she was also a student in the elite private school system, which led to an Ivy League education. After coming such a long way, she has a unique perspective on the relationship between poverty and reaching FI. For more information, visit the show notes at https://ChooseFI.com/148

Compounding vs total return, envelopes vs simplifying your finances, and the potential value you could get from working with a "assets under management" financial advisor. Also, Tori Dunlap reached her goal to save her first $100k by age 25 on the day her interview aired! For more information, visit the show notes at https://choosefi.com/147r

Tori Dunlap about starting a business as a kid and tips for negotiating your salary. She is on a mission to help women earn their first $100k. For more information, visit the show notes at https://ChooseFI.com/147

This week's Friday Roundup includes a discussion with Chuck Jaffe about why he can't be part of the FIRE movement because he has no plans to retire. Also, a recap of Shannyn's story from Monday and ChooseFI Book Launch Parties. For more information, visit the show notes at https://choosefi.com/146R

A Guided Meditation for When the Stock Market Is Dropping The market is plunging. You're starting to panic. You want to hit the "sell" button! DON'T! Tune into this relaxing meditation, and let the soothing voice of JL Collins help you embrace this wonderful market cycle We interviewed JL Collins on episode 19 of our podcast https://www.choosefi.com/019-jlcollinsnh-stock-series-part-1/ Check out JL Collins Website JLcollinsNH where you can read the entire Stock Series https://jlcollinsnh.com/stock-series/ and his book the Simple Path to Wealth https://www.amazon.com/gp/product/1533667926/

Shannyn Allan joins us to discuss "embracing the suck"--when life just doesn't go as planned. Listen to Shannyn's stories about graduate school, calling off a wedding, and wire fraud during the purchase of her first home. ...and how she found FI at the right time in her life. Listen to the whole story at https://ChooseFI.com/146

A discussion of what to do with a windfall, a review of turnkey real estate investing, and a meditation for stock market investors when the market is falling. For more information, visit the show notes at https://ChooseFI.com/145R

Paula Pant of Afford Anything returns to dive deeper into real estate investing. In this second conversation, Paula covers turnkey, deal syndication, and building a team. For more information, visit the show notes at https://ChooseFI.com/145

A recap from Jonathan and Brad's visit to FinCon, FI Military, YNAB, and "what if my finances are like a dumpster fire?". For more information, visit the show notes at https://ChooseFI.com/144r

Crystal Law, Director of Financial Literacy Experiences, and Laura Goodman, VP of Volunteer Engagement join us to discuss Junior Achievement. For more information, visit the show notes at https://choosefi.com/144