Mile High FI Podcast

Doug chats with Mark Trautman (Mark’s Money Mind) about the relevance of The 4% Rule in modern retirement planning. They explore whether it remains a solid “north star” for those in the accumulation phase or if it has become an outdated guideline that potentially hinders retirees from living their best lives. Mark also shares his personal transition from a high-saver to a strategic retiree focused on decumulation & creating memory dividends. Do you like the podcast and want to support the show? Follow the link to find out how: https://milehighfi.com/support/ Curious to know exactly what products Doug uses? Check out his Amazon lists below. *Affiliate links below, so if you buy something or spend money, we might earn a commission. That helps the show and doesn’t cost you anything extra. Thank you! Guitar Accessories Hiking & Outdoor Essentials for Sleep Want to order MHFI stickers/temporary tattoos or create your own custom stickers? Of course you do! We ALL do! Order them here using our affiliate link so that we might earn a commission: https://www.stickermule.com/dougcunnington Links Mark Trautman/Mark’s Money Mind David Chilton, “The Wealthy Barber” Paperback William Bengen, “A Richer Retirement” Kindle Hardcover Audiobook Audio CD Retirement and IRA Show Bill Perkins, “Die With Zero” Kindle Hardcover Paperback Audiobook Big ERN on MHFI episode 280 Aubrey Williams, “Everyone Adjusts! Use Historical Analysis Risk-Based Guardrails to Reach FI Sooner!” ProjectionLab MHFI Facebook group Doug’s site Check out Producer Chris’s blog: Epic Financial Journey — Join the Mile High FI Club – It’s the email list! Get MHFi Merch – It helps support the show. Get t-shirts & more **Disclaimer: The podcast is for informational purposes. Maybe entertainment but we won’t even make such a claim. You shouldn’t take the info as financial, legal, or tax advice. We aren’t certified financial planners or advisors. We’re not qualified for much. So get advice from professionals.** Brought To You By: The Doug Show, aka Affiliate Marketing & Side Hustles Email the show: [email protected] 0:00 Introduction 1:12 Discovering & defining the 4% Rule 6:32 Mark’s portfolio & retirement strategy 12:46 Why 4% misses reality 19:13 Die With Zero & spending 26:52 Stress testing projections 31:41 Guardrails 35:06 Agile retirement planning 41:24 Mark’s Money Mind 47:02 Soundcheck – Travel

Support the Pancreatic Cancer Action Network, PanCan, for the PurpleStride. Donate here PurpleStride is an inspiring event for anyone who has been affected by pancreatic cancer. We are raising funds to ensure vital research continues and free resources are made available to all who need them. We’ll be at the Dallas event (PurpleStride) DFW. If the this episode is up, then donations are still open. Thank you.

Doug and Mark Trautman (Mark’s Money Mind) answer questions from the listener mailbag. They discuss how to prepare for retirement, building social connections beyond work, psychological shifts of leaving a career, strategies for “manufacturing” a retirement paycheck, how to navigate the changing landscape of car ownership (buying vs. leasing), and the mindset shift of decumulation & spending. Do you like the podcast and want to support the show? Follow the link to find out how: https://milehighfi.com/support/ Curious to know exactly what products Doug uses? Check out his Amazon lists below. *Affiliate links below, so if you buy something or spend money, we might earn a commission. That helps the show and doesn’t cost you anything extra. Thank you! Guitar Accessories Hiking & Outdoor Essentials for Sleep Want to order MHFI stickers/temporary tattoos or create your own custom stickers? Of course you do! We ALL do! Order them here using our affiliate link so that we might earn a commission: https://www.stickermule.com/dougcunnington Links Mark Trautman/Mark’s Money Mind Mark’s Money Mind Episode 063, “Taxes, Travel, and Market Turbulence” CampFI Mr. Money Mustache on MHFI episode 309 Kevin Sebesta on MHFI episode 302 Morgan Housel, “Psychology of Money” Kindle Hardcover Paperback Audiobook ChooseFI Ep 022, “The True Cost Of Car Ownership” MHFI Facebook group Doug’s site Check out Producer Chris’s blog: Epic Financial Journey — Join the Mile High FI Club – It’s the email list! Get MHFi Merch – It helps support the show. Get t-shirts & more **Disclaimer: The podcast is for informational purposes. Maybe entertainment but we won’t even make such a claim. You shouldn’t take the info as financial, legal, or tax advice. We aren’t certified financial planners or advisors. We’re not qualified for much. So get advice from professionals.** Brought To You By: The Doug Show, aka Affiliate Marketing & Side Hustles Email the show: [email protected] 0:00 Introduction 0:56 Recent travels 5:53 Question – Preparing to retire 11:13 Social connections, hobbies, & identity 18:50 Retirement paycheck strategy 23:35 Question – Leasing vs. buying cars 29:16 Longevity & when leasing makes sense 34:17 Question – Decumulation & spending 40:47 Calculating downside risk & seeking advice 49:24 Soundcheck – Casa Bonita

Doug chats with his wife Elizabeth about her 2-year anniversary in early retirement. Elizabeth describes why she loves not working, challenges with balancing routine vs. flexibility, and how reduced stress has improved relationships and communication. Doug & Elizabeth also discuss budgeting with a financial advisor, differences in “fun fund” spending, the impact of market returns on retirement confidence, perceived social pressure within the FI community to retire, and not necessarily retiring “to something”. Do you like the podcast and want to support the show? Follow the link to find out how: https://milehighfi.com/support/ Curious to know exactly what products Doug uses? Check out his Amazon lists below. *Affiliate links below, so if you buy something or spend money, we might earn a commission. That helps the show and doesn’t cost you anything extra. Thank you! Guitar Accessories Hiking & Outdoor Essentials for Sleep Want to order MHFI stickers/temporary tattoos or create your own custom stickers? Of course you do! We ALL do! Order them here using our affiliate link so that we might earn a commission: https://www.stickermule.com/dougcunnington Links Elizabeth on MHFI episode 281 Leckerlee Cookies Earn & Invest, “What’s the Point of FIRE?” The FI Collective Bill Perkins, “Die With Zero” Kindle Hardcover Paperback Audiobook “Survive the 9 to 5” podcast “The Doug Show” podcast MHFI Facebook group Doug’s site Check out Producer Chris’s blog: Epic Financial Journey — Join the Mile High FI Club – It’s the email list! Get MHFi Merch – It helps support the show. Get t-shirts & more **Disclaimer: The podcast is for informational purposes. Maybe entertainment but we won’t even make such a claim. You shouldn’t take the info as financial, legal, or tax advice. We aren’t certified financial planners or advisors. We’re not qualified for much. So get advice from professionals.** Brought To You By: The Doug Show, aka Affiliate Marketing & Side Hustles Email the show: [email protected] 0:00 Introduction 2:08 Leaving a full-time career 8:07 Part-time work experiment 18:36 Retirement surprises 23:03 Finding a routine 29:46 Relationship improvements 36:28 Pressure to retire 43:31 Spending & budgeting 50:30 Influence of the stock market 55:24 Retirement tips & readiness 1:00:05 What do you do? 1:08:10 Soundcheck – Caffeine cutback

Doug and Kristen Knapp (FI Friends Travel) dive into a listener-submitted topic from Dell regarding the potential benefits of oversaving. Doug & Kristen discuss the pros & cons of oversaving, the necessity of having a plan for “retiring to something” after work, and explore the psychological shifts that occur when you no longer need a paycheck. They also tackle common traps in the FI community such as “One More Year Syndrome”, golden handcuffs, and identity issues tied to a career. Do you like the podcast and want to support the show? Follow the link to find out how: https://milehighfi.com/support/ Curious to know exactly what products Doug uses? Check out his Amazon lists below. *Affiliate links below, so if you buy something or spend money, we might earn a commission. That helps the show and doesn’t cost you anything extra. Thank you! Guitar Accessories Hiking & Outdoor Essentials for Sleep Want to order MHFI stickers/temporary tattoos or create your own custom stickers? Of course you do! We ALL do! Order them here using our affiliate link so that we might earn a commission: https://www.stickermule.com/dougcunnington Links FI Friends Travel ChooseFI local groups EconoMe Conference CampFI Mark Trautman/Mark’s Money Mind Kevin Sebesta on MHFI episode 302 Morgan Housel, “The Art of Spending Money” Kindle Hardcover Paperback Audiobook Bill Perkins, “Die With Zero” Kindle Hardcover Paperback Audiobook MHFI Facebook group Doug’s site Check out Producer Chris’s blog: Epic Financial Journey — Join the Mile High FI Club – It’s the email list! Get MHFi Merch – It helps support the show. Get t-shirts & more **Disclaimer: The podcast is for informational purposes. Maybe entertainment but we won’t even make such a claim. You shouldn’t take the info as financial, legal, or tax advice. We aren’t certified financial planners or advisors. We’re not qualified for much. So get advice from professionals.** Brought To You By: The Doug Show, aka Affiliate Marketing & Side Hustles Email the show: [email protected] 0:00 Introduction 4:17 Dell’s voicemail 9:20 Pros of oversaving 17:14 Legacy vs. Die With Zero 20:59 Cons of oversaving 27:55 Golden handcuffs & “enough” 34:36 Retiring to something… or not 40:16 Identity struggles & FI 49:43 Staying busy vs. intentional boredom 56:50 Early retirement pitfalls 1:01:16 Only boring people are bored 1:05:47 The nuances of FI 1:12:02 Longest soundcheck ever

Please support the show if you like it! I play highlights about Die With Zero, specifically about Time Bucketing. You can donate via Buy Me a Coffee. You get extra content and know that you’re making the show possible. Mile High FI is listed as one of the TOP Podcast on Careers in Apple Podcasts! Spotify is 28% of the audience, so that’s grown in 2025 and higher than I said in this episode. If you extrapolate the Spotify year end review data to the total downloads, here is what you get… Mile High FI is a: Top 5 podcast for about 5,000 people! #1 podcast for about 740 people! I don’t have ads anymore so I want to cover production costs. Most of the costs are related to software and tools and hosting. Many other podcasts have sucky ads every 15 minutes. I don’t want to do that. Producer Chris volunteers to edit and produce the show. We’re not trying to get rich doing the show, but it takes a lot of time, effort, and planning. You can also check out the affiliate offers here, which are products that I recommend. Mile High FI usually gets a small percentage, say 1% to 15%, depending on the arrangement. It helps, but direct donations are the best.

Doug chats with Pete Adeney (Mr. Money Mustache) about various fears that some people have about early retirement. They explore why some people may be reluctant to retire, despite being financially ready, and specifically how fear of boredom can hold people back. They discuss “One More Year Syndrome” and the irrational fear of running out of money despite what the math says. Do you like the podcast and want to support the show? Follow the link to find out how: https://milehighfi.com/support/ Curious to know exactly what products Doug uses? Check out his Amazon lists below. *Affiliate links below, so if you buy something or spend money, we might earn a commission. That helps the show and doesn’t cost you anything extra. Thank you! Guitar Accessories Hiking & Outdoor Essentials for Sleep Want to order MHFI stickers/temporary tattoos or create your own custom stickers? Of course you do! We ALL do! Order them here using our affiliate link so that we might earn a commission: https://www.stickermule.com/dougcunnington Links Pete Adeney/Mr. Money Mustache Pete on MHFI episode 308 Morgan Housel, “Is the F.I.R.E. Movement Dead?” The Donegans The FI Collective MHFI Facebook group Doug’s site Check out Producer Chris’s blog: Epic Financial Journey — Join the Mile High FI Club – It’s the email list! Get MHFi Merch – It helps support the show. Get t-shirts & more **Disclaimer: The podcast is for informational purposes. Maybe entertainment but we won’t even make such a claim. You shouldn’t take the info as financial, legal, or tax advice. We aren’t certified financial planners or advisors. We’re not qualified for much. So get advice from professionals.** Brought To You By: The Doug Show, aka Affiliate Marketing & Side Hustles Email the show: [email protected] 0:00 Introduction 1:51 One More Year Syndrome 5:50 Scared of boredom 10:18 Building social skills 17:22 Boring people are bored 22:03 FI Collective 25:51 Soundcheck – New house

Doug chats with Pete Adeney (Mr. Money Mustache) about evolving perspectives within the FIRE movement. Moving beyond external critiques, they dive into a confessional-style discussion about genuine problems within the community – from the pitfalls of ultra-frugality, over-saving, over-optimizing, and “One More Year Syndrome” to the identity crisis retirees face. They explore why FIRE isn’t a “gospel” but instead a set of ideas that should be modified in real-time based on what actually works for each individual. Do you like the podcast and want to support the show? Follow the link to find out how: https://milehighfi.com/support/ Curious to know exactly what products Doug uses? Check out his Amazon lists below. *Affiliate links below, so if you buy something or spend money, we might earn a commission. That helps the show and doesn’t cost you anything extra. Thank you! Guitar Accessories Hiking & Outdoor Essentials for Sleep Want to order MHFI stickers/temporary tattoos or create your own custom stickers? Of course you do! We ALL do! Order them here using our affiliate link so that we might earn a commission: https://www.stickermule.com/dougcunnington Links Pete Adeney/Mr. Money Mustache Pete on MHFI episode 308 Jacob Lund Fisker/Early Retirement Extreme Mad Fientist, “Learning How to Spend Money” New York Times, “Freedom With a Side of Guilt: How Food Delivery Is Reshaping Mealtime” The FI Collective MHFI Facebook group Doug’s site Check out Producer Chris’s blog: Epic Financial Journey — Join the Mile High FI Club – It’s the email list! Get MHFi Merch – It helps support the show. Get t-shirts & more **Disclaimer: The podcast is for informational purposes. Maybe entertainment but we won’t even make such a claim. You shouldn’t take the info as financial, legal, or tax advice. We aren’t certified financial planners or advisors. We’re not qualified for much. So get advice from professionals.** Brought To You By: The Doug Show, aka Affiliate Marketing & Side Hustles Email the show: [email protected] 0:00 Introduction 1:16 MMM persona & early FIRE ideas 8:50 Ultra-frugality 18:00 Over-saving & One More Year Syndrome 24:23 Over-optimizing in the FIRE community 29:30 DoorDash spectrum 34:24 Paying for convenience 42:21 Balancing the future & the present 48:09 MMM’s retirement spending strategies 53:49 Retiring to something meaningful 1:02:18 Soundcheck – Casa Bonita

Doug chats with Pete Adeney, Mr. Money Mustache, about whether the FIRE Movement is dead, in response to a variety of online commentary claiming this statement as fact. Doug & Pete review and critique multiple perspectives, including notable names like Dave Ramsey and Morgan Housel while also addressing misconceptions, highlighting the value of Financial Independence, and acknowledge the movement’s evolution. Do you like the podcast and want to support the show? Follow the link to find out how: https://milehighfi.com/support/ Curious to know exactly what products Doug uses? Check out his Amazon lists below. *Affiliate links below, so if you buy something or spend money, we might earn a commission. That helps the show and doesn’t cost you anything extra. Thank you! Guitar Accessories Hiking & Outdoor Essentials for Sleep Want to order MHFI stickers/temporary tattoos or create your own custom stickers? Of course you do! We ALL do! Order them here using our affiliate link so that we might earn a commission: https://www.stickermule.com/dougcunnington Links Pete Adeney/Mr. Money Mustache Jared Dillian, “The FIRE Movement” Jarrad Morrow, “The FIRE Movement Won’t Work Like It Used To (Here’s Why)” Dave Ramsey, “Why the F.I.R.E. Movement Isn’t Sustainable” Ramit Sethi, “The Problem with the “FIRE” Movement” Mindy & Carl on Ramit Sethi’s “I Will Teach You To Be Rich” Brian Farrell, “What Happened To The FIRE Movement?” Morgan Housel, “Is the F.I.R.E. Movement Dead?” The Knowledge Project podcast, “Morgan Housel: Wealth is What You Have Minus What You Want” Gregory Galant, “Mark Cuban on the FIRE Movement: Financial Independence, Retire Early” MHFI Facebook group Doug’s site Check out Producer Chris’s blog: Epic Financial Journey — Join the Mile High FI Club – It’s the email list! Get MHFi Merch – It helps support the show. Get t-shirts & more **Disclaimer: The podcast is for informational purposes. Maybe entertainment but we won’t even make such a claim. You shouldn’t take the info as financial, legal, or tax advice. We aren’t certified financial planners or advisors. We’re not qualified for much. So get advice from professionals.** Brought To You By: The Doug Show, aka Affiliate Marketing & Side Hustles Email the show: [email protected] 0:00 Introduction 6:11 Jared Dillian, “The FIRE Movement” 23:16 Jarrad Morrow, “The FIRE Movement Won’t Work Like It Used To” 25:52 Dave Ramsey, “Why the F.I.R.E. Movement Isn’t Sustainable” 32:01 Ramit Sethi, “The Problem with the “FIRE” Movement” 38:06 Brian Farrell, “What Happened To The FIRE Movement?” 43:07 Morgan Housel, “Is the F.I.R.E. Movement Dead?” 50:40 Gregory Galant, “Mark Cuban on the FIRE Movement” 58:12 Soundcheck – Winter trips

Doug chats with Carl about finding purpose in life. They discuss the benefits of preparing for retirement by building a rich life outside of work, taking sabbaticals, and conducting small experiments to explore new hobbies and interests. They also talk about the importance of community, the idea of redefining success, achieving flow state, and finding meaningful ways to spend one’s time while maintaining good mental and physical health. Note: This is a rebroadcast of MHFI episode 268 Do you like the podcast and want to support the show? Follow the link to find out how: https://milehighfi.com/support/ Curious to know exactly what products Doug uses? Check out his Amazon lists below. *Affiliate links below, so if you buy something or spend money, we might earn a commission. That helps the show and doesn’t cost you anything extra. Thank you! Guitar Accessories Hiking & Outdoor Essentials for Sleep Want to order MHFI stickers/temporary tattoos or create your own custom stickers? Of course you do! We ALL do! Order them here using our affiliate link so that we might earn a commission: https://www.stickermule.com/dougcunnington Links Carl Jensen/1500 Days to Freedom 1500 Days to Freedom, “Introducing The FI Collective” “How to Money” episode 1091, “The Art of Spending w/ Morgan Housel” CampFI EconoMe Conference MHFI Facebook group Doug’s site Check out Producer Chris’s blog: Epic Financial Journey — Join the Mile High FI Club – It’s the email list! Get MHFi Merch – It helps support the show. Get t-shirts & more **Disclaimer: The podcast is for informational purposes. Maybe entertainment but we won’t even make such a claim. You shouldn’t take the info as financial, legal, or tax advice. We aren’t certified financial planners or advisors. We’re not qualified for much. So get advice from professionals.** Brought To You By: The Doug Show, aka Affiliate Marketing & Side Hustles Email the show: [email protected] 0:00 Introduction 5:34 What FIRE life looks like 13:35 Is retirement overrated? 22:09 Relationship with work 28:24 Seeking validation 34:58 Challenging the corporate ladder 40:31 Setting up for a successful retirement 46:57 Redefining success & finding flow 54:41 Leveraging community & taking action

Doug and Producer Chris chat about a very controversial topic in the FIRE community – working with a financial advisor. They explore the reasons someone might or might not want to work with an advisor, discussing common pitfalls like high fees & hidden motivations, while emphasizing the benefits of getting an outside perspective & professional guidance, especially in areas like decumulation and complex financial situations. Did this episode motivate you to seek professional financial help? If so, check out our friends at Nectarine, where you ONLY pay for investing & planning advice. Advisors don’t manage your money, sell products, or earn commissions. *Affiliate link below, so if you do work with Nectarine, we might earn a commission. https://milehighfi.com/nectarine Do you like the podcast and want to support the show? Follow the link to find out how: https://milehighfi.com/support/ Curious to know exactly what products Doug uses? Check out his Amazon lists below. *Affiliate links below, so if you buy something or spend money, we might earn a commission. That helps the show and doesn’t cost you anything extra. Thank you! Guitar Accessories Hiking & Outdoor Essentials for Sleep Want to order MHFI stickers/temporary tattoos or create your own custom stickers? Of course you do! We ALL do! Order them here using our affiliate link so that we might earn a commission: https://www.stickermule.com/dougcunnington Links Jeremy Schneider on MHFI episode 122 Jeremy Schneider on MHFI episode 243 MHFI Facebook group Doug’s site Check out Producer Chris’s blog: Epic Financial Journey — Join the Mile High FI Club – It’s the email list! Get MHFi Merch – It helps support the show. Get t-shirts & more **Disclaimer: The podcast is for informational purposes. Maybe entertainment but we won’t even make such a claim. You shouldn’t take the info as financial, legal, or tax advice. We aren’t certified financial planners or advisors. We’re not qualified for much. So get advice from professionals.** Brought To You By: The Doug Show, aka Affiliate Marketing & Side Hustles Email the show: [email protected] 0:00 Introduction 4:35 Insurance agents 9:24 The problem with fees 15:21 The downsides of DIY 19:57 Identifying blindspots 27:58 Dealing with complex situations 33:20 Actually working with an advisor 38:23 The importance of professional help 43:20 Mindset & spending in retirement 50:03 Soundcheck – Kitchen gadgets

Doug chats with Pete Adeney (Mr. Money Mustache) and Rusty about prominent themes related to Financial Independence found in popular movies & TV shows. They delve into iconic films such as “The Matrix”, “Office Space”, and “Fight Club”, extracting key FIRE principles such as anti-consumerism, the quest for personal freedom, and breaking away from traditional corporate paths. Do you like the podcast and want to support the show? Follow the link to find out how: https://milehighfi.com/support/ Curious to know exactly what products Doug uses? Check out his Amazon lists below. *Affiliate links below, so if you buy something or spend money, we might earn a commission. That helps the show and doesn’t cost you anything extra. Thank you! Guitar Accessories Hiking & Outdoor Essentials for Sleep Want to order MHFI stickers/temporary tattoos or create your own custom stickers? Of course you do! We ALL do! Order them here using our affiliate link so that we might earn a commission: https://www.stickermule.com/dougcunnington Links Pete Adeney/Mr. Money Mustache Email Rusty: [email protected] The New York Times, “How to Retire in Your 30s With $1 Million in the Bank” BiggerPockets Money, “Is the FIRE Movement Dead?” Dave Ramsey, “Why the F.I.R.E. Movement Isn’t Sustainable” Ramit Sethi, “The Problem with the “FIRE” Movement” MHFI Facebook group Doug’s site Check out Producer Chris’s blog: Epic Financial Journey — Join the Mile High FI Club – It’s the email list! Get MHFi Merch – It helps support the show. Get t-shirts & more **Disclaimer: The podcast is for informational purposes. Maybe entertainment but we won’t even make such a claim. You shouldn’t take the info as financial, legal, or tax advice. We aren’t certified financial planners or advisors. We’re not qualified for much. So get advice from professionals.** Brought To You By: The Doug Show, aka Affiliate Marketing & Side Hustles Email the show: [email protected] 0:00 Introduction 3:24 The Matrix 10:44 Office Space 17:50 Parenting & keeping busy in retirement 26:58 Corporate 31:32 Fight Club 36:52 Reacher 42:21 Local Hero 48:33 FIRE backlash (teaser) 54:39 Soundcheck – Early retirement

Doug chats with Rusty about one of their mutual passions: food and cooking. They each explore their food “origin stories”, discussing childhood memories and the evolution of their culinary interests. They touch on how food plays a significant role in their lives and walk through various food-related topics including favorite recipes, cooking styles, and essential kitchen equipment. They also discuss how cooking can be a meditative process, how food can help build community, and how it all relates to FI. Do you like the podcast and want to support the show? Follow the link to find out how: https://milehighfi.com/support/ Curious to know exactly what products Doug uses? Check out his Amazon lists below. *Affiliate links below, so if you buy something or spend money, we might earn a commission. That helps the show and doesn’t cost you anything extra. Thank you! Guitar Accessories Hiking & Outdoor Essentials for Sleep Want to order MHFI stickers/temporary tattoos or create your own custom stickers? Of course you do! We ALL do! Order them here using our affiliate link so that we might earn a commission: https://www.stickermule.com/dougcunnington Links Email Rusty: [email protected] Bill Perkins, “Die With Zero” Kindle Hardcover Paperback Audiobook MHFI Facebook group Doug’s site Check out Producer Chris’s blog: Epic Financial Journey — Join the Mile High FI Club – It’s the email list! Get MHFi Merch – It helps support the show. Get t-shirts & more **Disclaimer: The podcast is for informational purposes. Maybe entertainment but we won’t even make such a claim. You shouldn’t take the info as financial, legal, or tax advice. We aren’t certified financial planners or advisors. We’re not qualified for much. So get advice from professionals.** Brought To You By: The Doug Show, aka Affiliate Marketing & Side Hustles Email the show: [email protected] 0:00 Introduction 1:31 Gourmet sandwiches & chili 9:13 Food origin stories 18:59 Cost of food vs. FI 25:07 Leftovers & meal-planning 31:03 Community & mindfulness in cooking 41:24 Recipes & exploring YouTube for inspiration 50:28 Essential kitchen equipment 57:36 Experimenting with eating out 1:06:12 Soundcheck – DIY guitar projects

Doug chats with Carl & Rusty about each of their adventures with housing projects and renovations. Carl details his current project of tearing down a “Frank Lloyd Wrong house” and building one from scratch while sharing insights into his motivations, costs, and specific financing strategies. Rusty shares his experience renovating two homes and the strategic use of a line of credit. Additionally, they delve into considerations of downsizing and the potential of owning second homes. Does “MHFI After Dark” sound intriguing? Yeah, we thought so. Come check out exclusive new content here: https://milehighfi.com/onlyfans Curious to know exactly what products Doug uses? Check out his Amazon lists below. *Affiliate links below, so if you buy something or spend money, we might earn a commission. That helps the show and doesn’t cost you anything extra. Thank you! Guitar Accessories Hiking & Outdoor Essentials for Sleep Want to order MHFI stickers/temporary tattoos or create your own custom stickers? Of course you do! We ALL do! Order them here using our affiliate link so that we might earn a commission: https://www.stickermule.com/dougcunnington Links Email Rusty: [email protected] Carl Jensen/1500 Days to Freedom Leif Dahleen (Physician on FIRE) on MHFI episode 112 Buy, Borrow, Die discussion on MHFI episode 252 Mindy & Carl on Ramit Sethi’s “I Will Teach You To Be Rich” Philosophy & ethics discussion on MHFI episode 298 MHFI Facebook group Doug’s site Check out Producer Chris’s blog: Epic Financial Journey — Join the Mile High FI Club – It’s the email list! Get MHFi Merch – It helps support the show. Get t-shirts & more **Disclaimer: The podcast is for informational purposes. Maybe entertainment but we won’t even make such a claim. You shouldn’t take the info as financial, legal, or tax advice. We aren’t certified financial planners or advisors. We’re not qualified for much. So get advice from professionals.** Brought To You By: The Doug Show, aka Affiliate Marketing & Side Hustles Email the show: [email protected] 0:00 Introduction 1:31 Carl’s home building journey 8:10 Unique systems & building challenges 15:41 Financing with the Buy, Borrow, Die Strategy 24:09 Rusty’s renovation stories 30:25 Balancing joy & investment 38:58 Downsizing dilemmas 44:03 Different places in different stages of life 51:46 Second homes 59:24 Soundcheck – Taco Bell

Doug chats with Kevin Sebesta, a self-proclaimed “high-achieving slacker”, about lessons learned from 12 years of early retirement. Kevin discusses the importance of building a supportive community, how living child-free influences lifestyle choices, the concept of a “Fun Bucket” for guilt-free spending, the balance between optimizing finances & enjoying life, and how curiosity drives his fulfilling retirement. Do you like the podcast and want to support the show? Follow the link to find out how: https://milehighfi.com/support/ Curious to know exactly what products Doug uses? Check out his Amazon lists below. *Affiliate links below, so if you buy something or spend money, we might earn a commission. That helps the show and doesn’t cost you anything extra. Thank you! Guitar Accessories Hiking & Outdoor Essentials for Sleep Want to order MHFI stickers/temporary tattoos or create your own custom stickers? Of course you do! We ALL do! Order them here using our affiliate link so that we might earn a commission: https://www.stickermule.com/dougcunnington Links Connect with Kevin: Email: [email protected] Blog: http://www.lifeinfire.com/ FI Friends Travel Rock Retirement Club Mark Trautman/Mark’s Money Mind Amy Minkley/FI Freedom Retreats CampFI Bill Perkins, “Die With Zero” Kindle Hardcover Paperback Audiobook Retirement and IRA Show Jordan Grumet, “The Purpose Code” Kindle Hardcover Paperback Audiobook Jordan Grumet on MHFI episode 249 Cody Garrett & Sean Mullaney, “Tax Planning To and Through Early Retirement” Kindle Paperback MHFI Facebook group Doug’s site Check out Producer Chris’s blog: Epic Financial Journey — Join the Mile High FI Club – It’s the email list! Get MHFi Merch – It helps support the show. Get t-shirts & more **Disclaimer: The podcast is for informational purposes. Maybe entertainment but we won’t even make such a claim. You shouldn’t take the info as financial, legal, or tax advice. We aren’t certified financial planners or advisors. We’re not qualified for much. So get advice from professionals.** Brought To You By: The Doug Show, aka Affiliate Marketing & Side Hustles Email the show: [email protected] 0:00 Introduction 1:05 Journey to FI & travel adventures 7:28 Building community in retirement 12:30 Finding a FI family 18:02 Child-free lifestyle & estate planning 29:44 The Fun Bucket 36:41 Die With Zero & time bucketing 42:20 You are who you are 50:05 Adjustments in retirement 59:16 Ability of time & curiosity 1:06:40 Optimizing finances in retirement 1:14:06 Soundcheck – Marshall amps