Mile High FI Podcast

Doug chats with Frances a year after her and her husband’s initial appearance on the show. She provides updates on her and Peter’s job situations as well as updates on all things financial – current housing situation, savings & investing strategies, spending, and expense tracking. Frances also shares some personal updates while asking listeners to provide feedback to some questions that she’s working through. Listener Questions: Continue to dollar-cost-average $10k per month from savings into investments or just do a lump sum? With $18k in an emergency fund, is having an additional $40K-$48K in short-term savings practical or too much? If expenses do come up, is it better to cashflow these items instead of keeping so much in savings? Any suggestions for budgeting apps besides Monarch Money? Looking for a crossover or hatchback with lots of trunk space, 30K-40K miles, ideally $15K-$20K ($30K max), preferably a Honda or Toyota but doesn’t seem to be many options out there. Okay to buy a new vehicle in this situation or stick with something used? How much is the right amount to spend on a car? This episode is brought to you by GhostBed. Doug has the GhostBed Luxe Mattress and loves it! Take the 3 minute sleep quiz to see which mattress is right for you. Save 50% site-wide on your new mattress, bed frame, pillow, and bedding over at GhostBed (coupon code: MILEHIGHFI) Save With Mint Mobile! (https://milehighfi.com/mint) New customers can get 3 months of unlimited premium wireless for $15/mo. Doug’s phone bill went from $1440/yr to $360/yr for him and his wife. It’s super easy to switch and you can use your existing phone. If you use the MHFI link, it won’t cost you extra and it helps support the show. Buy 2 months, get 1 month free limited time offer available until January 2, 2025 at 11:59pm PST for new customers and at select channels only. “One month free” applied as $15 discount at checkout on 3-month 5GB plan only – upfront payment of $30 required, w/taxes & fees extra. One-time discount applied for first 3 months only. Not combinable/available with certain other promotions/offers. Looking for help with your estate plan? Trust & Will provides online tools for creating, you guessed it… trusts and wills. For those who don’t have any estate planning documents in place, this could be a good option to get started. We’re affiliates so we can earn a commission if you sign up. Thanks for the support. https://milehighfi.com/trustandwill Need a fee only advisor? Nectarine is a network of financial advisors where you just pay for investing & planning advice. Advisors don’t manage your money, sell products, or earn commissions. We’re affiliates so we can earn a commission if you sign up. Thanks for the support. https://milehighfi.com/nectarine Help Doug afford a better microphone that doesn’t continuously buzz by providing support at Buy Me A Coffee. Links Modern Bookkeeping Services Frances & Peter on MHFI episode 245

Doug and Carl chat with Frances & Peter to analyze the couple’s financial situation and determine the viability of their Coast FI strategy. They discuss investment strategies, personal financial goals, maintaining a balance between frugality & enjoying life, the potential of leveraging real estate, and other financial planning aspects. Note: This is a rebroadcast of MHFI episode 186 This episode is brought to you by GhostBed. Doug has the GhostBed Luxe Mattress and loves it! Take the 3 minute sleep quiz to see which mattress is right for you. Save 50% site-wide on your new mattress, bed frame, pillow, and bedding over at GhostBed (coupon code: MILEHIGHFI) Save With Mint Mobile! (https://milehighfi.com/mint) New customers can get 3 months of unlimited premium wireless for $15/mo. Doug’s phone bill went from $1440/yr to $360/yr for him and his wife. It’s super easy to switch and you can use your existing phone. If you use the MHFI link, it won’t cost you extra and it helps support the show. Buy 2 months, get 1 month free limited time offer available until January 2, 2025 at 11:59pm PST for new customers and at select channels only. “One month free” applied as $15 discount at checkout on 3-month 5GB plan only – upfront payment of $30 required, w/taxes & fees extra. One-time discount applied for first 3 months only. Not combinable/available with certain other promotions/offers. Looking for help with your estate plan? Trust & Will provides online tools for creating, you guessed it… trusts and wills. For those who don’t have any estate planning documents in place, this could be a good option to get started. We’re affiliates so we can earn a commission if you sign up. Thanks for the support. https://milehighfi.com/trustandwill Need a fee only advisor? Nectarine is a network of financial advisors where you just pay for investing & planning advice. Advisors don’t manage your money, sell products, or earn commissions. We’re affiliates so we can earn a commission if you sign up. Thanks for the support. https://milehighfi.com/nectarine Help Doug & Carl pay for their Dumb & Dumber tuxedoes by providing support at Buy Me A Coffee. Links (*Some affiliate links so we might earn a commission if you buy something) Modern Bookkeeping Services Carl Jensen The FIoneers on MHFI episode 084 Mad Fientist podcast, “1500 Days Podcast Takeover” Mr. Money Mustache Tim Ferriss, Mr. Money Mustache episode BiggerPockets Mr. Money Mustache, “What to Do About These High Interest Rates” Bill Perkins, “Die With Zero” Kindle

Doug chats with Adam, a psychology professor, to examine his financial journey from zero net worth to a million dollars in a decade. Adam shares insights into his strategic real estate investments, deliberate career choices, the concept of Slow FI & lifestyle design, achieving a balance between work & a fulfilling lifestyle, and how his background in psychology influenced his financial decisions. This episode is brought to you by GhostBed. Doug has the GhostBed Luxe Mattress and loves it! Take the 3 minute sleep quiz to see which mattress is right for you. Save 50% site-wide on your new mattress, bed frame, pillow, and bedding over at GhostBed (coupon code: MILEHIGHFI) Save With Mint Mobile! (https://milehighfi.com/mint) New customers can get 3 months of unlimited premium wireless for $15/mo. Doug’s phone bill went from $1440/yr to $360/yr for him and his wife. It’s super easy to switch and you can use your existing phone. If you use the MHFI link, it won’t cost you extra and it helps support the show. Buy 2 months, get 1 month free limited time offer available until January 2, 2025 at 11:59pm PST for new customers and at select channels only. “One month free” applied as $15 discount at checkout on 3-month 5GB plan only – upfront payment of $30 required, w/taxes & fees extra. One-time discount applied for first 3 months only. Not combinable/available with certain other promotions/offers. Looking for help with your estate plan? Trust & Will provides online tools for creating, you guessed it… trusts and wills. For those who don’t have any estate planning documents in place, this could be a good option to get started. We’re affiliates so we can earn a commission if you sign up. Thanks for the support. https://milehighfi.com/trustandwill Need a fee only advisor? Nectarine is a network of financial advisors where you just pay for investing & planning advice. Advisors don’t manage your money, sell products, or earn commissions. We’re affiliates so we can earn a commission if you sign up. Thanks for the support. https://milehighfi.com/nectarine Help Doug recover some of his real estate losses by providing support at Buy Me A Coffee. Links (*Some affiliate links so we might earn a commission if you buy something) MHFI Facebook group Matt & Joel/How to Money The Washington Post, “Meet Mr. Money Mustache, the man who retired at 30” Mr. Money Mustache Carl Jensen Chad Carson Chad Carson, “The Small and Mighty Real Estate Investor” Kindle Paperback Audiobook Doug’s site

Doug and Carl chat with Chad Carson and Jeremy Schneider live from FinCon 2024 in Atlanta. The group discusses the benefits of financial independence, their unique entrepreneurial journeys, working after achieving FI, the current state of the FIRE movement, and the need for tension in life. They also discuss their opinions on both e-bikes & electric cars. Jeremy introduces his startup, Nectarine, a marketplace for fiduciary financial advice, while Chad shares insights on his real estate-focused coaching and teaching endeavors. This episode is brought to you by GhostBed. Doug has the GhostBed Luxe Mattress and loves it! Take the 3 minute sleep quiz to see which mattress is right for you. Save 50% site-wide on your new mattress, bed frame, pillow, and bedding over at GhostBed (coupon code: MILEHIGHFI) Save With Mint Mobile! (https://milehighfi.com/mint) New customers can get 3 months of unlimited premium wireless for $15/mo. Doug’s phone bill went from $1440/yr to $360/yr for him and his wife. It’s super easy to switch and you can use your existing phone. If you use the MHFI link, it won’t cost you extra and it helps support the show. Buy 2 months, get 1 month free limited time offer available until January 2, 2025 at 11:59pm PST for new customers and at select channels only. “One month free” applied as $15 discount at checkout on 3-month 5GB plan only – upfront payment of $30 required, w/taxes & fees extra. One-time discount applied for first 3 months only. Not combinable/available with certain other promotions/offers. Looking for help with your estate plan? Trust & Will provides online tools for creating, you guessed it… trusts and wills. For those who don’t have any estate planning documents in place, this could be a good option to get started. We’re affiliates so we can earn a commission if you sign up. Thanks for the support. https://milehighfi.com/trustandwill Need a fee only advisor? Nectarine is a network of financial advisors where you just pay for investing & planning advice. Advisors don’t manage your money, sell products, or earn commissions. We’re affiliates so we can earn a commission if you sign up. Thanks for the support. https://milehighfi.com/nectarine Black Friday is almost here and Doug has caught the fever! Help him pay for all of his frivolous spending by providing support at Buy Me A Coffee. Links (*Some affiliate links so we might earn a commission if you buy something) Connect with Chad Coach Carson website YouTube Instagram “Real Estate Investing With Coach Carson” podcast Friends of the Green Crescent Trail Connect with Jeremy Personal Finance Club Instagram

Doug chats with Sean Mullaney (The FI Tax Guy) about the essential elements of estate planning. Sean covers the importance of planning for everyone (not just the wealthy), stresses the significance of having a will, updating beneficiary designations, and creating trusts to protect assets & ensuring financial security for loved ones. Special attention is given to estate planning in regards to kids (providing guardianship) and working with the correct professionals to plan for taxes. The discussion is intended to be for general educational purposes and is not tax, legal, or investment advice for any individual. Doug and the Mile High FI podcast do not endorse Sean Mullaney, Mullaney Financial & Tax, Inc. and their services. Guest appearances on the podcast do not constitute their endorsement of any sponsors of the Mile High FI podcast. Looking for help with your estate plan? Trust & Will provides online tools for creating, you guessed it… trusts and wills. For those who don’t have any estate planning documents in place, this could be a good option to get started. We’re affiliates so we can earn a commission if you sign up. Thanks for the support. https://milehighfi.com/trustandwill Be sure to check out the new GhostBed Massage Topper. Save 50% site-wide on your new mattress, pillow, and bedding over at GhostBed (coupon code: MILEHIGHFI) Need a fee only advisor? Nectarine is a network of financial advisors where you just pay for investing & planning advice. Advisors don’t manage your money, sell products, or earn commissions. We’re affiliates so we can earn a commission if you sign up. Thanks for the support. https://milehighfi.com/nectarine If you have any tips for talking about death & estate planning come share over at Buy Me A Coffee. Links (*Some affiliate links so we might earn a commission if you buy something) Connect with Sean Mullaney The FI Tax Guy YouTube Mullaney Financial & Tax The FI Tax Guy, “The Church IRA” Sean’s podcast appearances Mile High FI ChooseFI Stacking Benjamins How To Money Sean Mullaney, “Solo 401(k): The Solopreneur’s Retirement Account” Kindle Paperback CampFI Amy on MHFI episode 160 Carl Jensen MHFI Facebook group

Doug chats with Pete Adeney (Mr. Money Mustache) about a variety of topics centered around retirement, fitness, happiness, and sustainable living. Pete also answers questions from the Facebook mailbag. Sam – What advice would you give to a young adult today that wants to retire early? Niel – Congratulations on becoming an empty nester. What are you most looking forward to in this new phase of life? Khang – What is something new you’ve tried recently that you would recommend to others? Rich – What is your sleep routine and are you a good sleeper? Katie – You mentioned that you consulted with someone who wanted you to review their retirement plan. So have you done more of these consultations and what have you learned from the experience? Andrea – You mentioned you want people to build new towns like Longmont. Do you have any thoughts on where the next Longmont might be given how expensive it’s become? Chris – What are your thoughts on the Culdesac model? And have you brought any ideas back to Longmont from your time down there? Kyle – What are your thoughts about the connection between the FIRE movement and environmentalism? Have you transitioned to socially responsible investing now that there are some low fee index funds for that? Rakesh – How do you maintain your composure when it seems like everything around you is falling apart? Be sure to check out the new GhostBed Massage Topper. Save 50% site-wide on your new mattress, pillow, and bedding over at GhostBed (coupon code: MILEHIGHFI) Need a fee only advisor? Nectarine is a network of financial advisors where you just pay for investing & planning advice. Advisors don’t manage your money, sell products, or earn commissions. We’re affiliates so we can earn a commission if you sign up. Thanks for the support. https://milehighfi.com/nectarine Help Doug finally sell his gas-guzzler and purchase a new EV by providing support at Buy Me A Coffee. Links Pete Adeney/Mr. Money Mustache AARP, “Meet the Man Who Retired at 30” Tim Ferriss, Mr. Money Mustache episode Mr. Money Mustache blog posts: “Frugal Man Buys $52,000 Car – Why??” “It’s Never too Late to Ditch your Gas Guzzler” “Socially Responsible Investing: Is It Also More Profitable?” Mr. Money Mustache & Culdesac on MHFI episode 207 MHFI Facebook group Carl & Mindy on Ramit Sethi’s podcast

Doug and Carl reunite at FinCon 2024 in Atlanta to say hi & catch up with each other. They both discuss recent travels, preferences for staying close to home in Longmont, and dieting/cutting calories especially around the holidays. Carl also provides a fitness update and an update on how his home projects are going. Be sure to check out the new GhostBed Massage Topper. Save 50% site-wide on your new mattress, pillow, and bedding over at GhostBed (coupon code: MILEHIGHFI) Need a fee only advisor? Nectarine is a network of financial advisors where you just pay for investing & planning advice. Advisors don’t manage your money, sell products, or earn commissions. We’re affiliates so we can earn a commission if you sign up. Thanks for the support. https://milehighfi.com/nectarine Help Doug pay for next year’s FinCon ticket by providing support at Buy Me A Coffee. Links Carl Jensen Mindy Jensen FinCon Pete Adeney/Mr. Money Mustache Tim Ferriss, Mr. Money Mustache episode Sean Mullaney, The FI Tax Guy Kristen Knapp on MHFI episode 238 EconoMe Conference Carl quitting on MHFI episode 235 Bob Haines on MHFI episode 210 BiggerPockets BPCON Brad Barrett/ChooseFI ChooseFI, “Masterclass on Muscle Building” “Mind Pump” podcast Darren & Jolene on MHFI episode 228 Doug’s site Check out Producer Chris’s new 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 5:36 Coming soon to the show 9:45 Live from FinCo...

Doug and Dusti answer questions from the Facebook mailbag. Sam – I’m Coast FIRE, currently working part-time to cover expenses without touching my portfolio. I have a NW just shy of $2M, with $1.5M in broad, low-cost ETFs, and the rest in my house and retirement account. My NW fluctuates daily, sometimes by $1K-$3K, or up to $10K-$30K with market volatility. Here’s my dilemma: even with a solid NW, I still stress over expenses like a $600 home repair, higher home insurance, or an unexpected water bill. I spend time researching and finding the best deals, but I’m wondering if these minor expenses are worth worrying about when compared to my overall financial picture. Should I let go of the guilt and focus on long-term goals instead? Angela – Getting close to CoastFI. We will need about 10 years worth of money to fill the “gap” until we hit 60. Do we… A) Slow down our contributions to our 401ks, so that we just get our “free money” and then redirect those funds to our after tax brokerage account (we would obviously pay more in taxes on our income). B) Continue what we are doing and keep maxing out 401k with “leftovers” going in to brokerage, buffer our HYSA account/cd ladder/whatever for 5 years, and just plan on doing Roth conversions for the first 5 years so we can access that money for the other 5 years. C) Some other idea? Rakesh – Would you rather inherit a $500k house with rent income or $500k in index funds? Why and why not? Be sure to check out the new GhostBed Massage Topper. Save 50% site-wide on your new mattress, pillow, and bedding over at GhostBed (coupon code: MILEHIGHFI) Need a fee only advisor? Nectarine is a network of financial advisors where you just pay for investing & planning advice. Advisors don’t manage your money, sell products, or earn commissions. We’re affiliates so we can earn a commission if you sign up. Thanks for the support. https://milehighfi.com/nectarine Help Doug pay those taxes he loves so much by providing support at Buy Me A Coffee. Links (*Some affiliate links so we might earn a commission if you buy something) Doug’s Instagram Connect with Dusti: Instagram Facebook Dusti on MHFI Episode 172 Episode 178 Episode 223 Episode 224 Mile High FI Facebook Group Barry Schwartz, “The Paradox of Choice” Kindle Hardcover Paperback Audiobook Eric Cooper discussing the 72T BiggerPockets Money, “Dude ACTUALLY Withdraws From His 401(k) and Retires at 47”

Doug chats with Kristen Knapp, a meteorologist from St. Louis, about her Financial Independence journey, how she made it to Coast FI, and the importance of the FI community. Kristen shares how her frugal upbringing & early financial literacy set the stage for financial stability, details her transition from a full-time meteorology career to a part-time Coast FI lifestyle (including all of the life events that influenced her decision), and shares what she’s doing now to fill her time. She also discusses her new venture, FI Friends Travel, where she plans trips tailored to the FI community. Be sure to check out the new GhostBed Massage Topper. Save 50% site-wide on your new mattress, pillow, and bedding over at GhostBed (coupon code: MILEHIGHFI) Need a fee only advisor? Nectarine is a network of financial advisors where you just pay for investing & planning advice. Advisors don’t manage your money, sell products, or earn commissions. We’re affiliates so we can earn a commission if you sign up. Thanks for the support. https://milehighfi.com/nectarine Help Kristen afford her very first spreadsheet by heading over to Buy Me A Coffee. Links (*Some affiliate links so we might earn a commission if you buy something) Connect with Kristen Email FI Friends Travel website Kennel Enrichment Program (Humane Society) CampFI EconoMe Conference Eric Cooper discussing the 72T BiggerPockets Money, “Dude ACTUALLY Withdraws From His 401(k) and Retires at 47” Forget About Money, “Secret IRS Rule 72(t) Explained! | Eric Cooper Reveals Early Withdrawal Power Move!” ChooseFI Local Groups Bill Perkins, “Die With Zero” Kindle Hardcover Paperback Audiobook Mindy Jensen Carl Jensen Mark’s Money Mind Podcast Amberly Grant/FinTalks Cruise Doug’s site Check out Producer Chris’s new 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...

Doug and Dusti answer questions from the Facebook mailbag. Chris For Doug: I know this is a stereotypical interview question, but where do you see yourself in 5 years? With Elizabeth’s recent retirement and your continued involvement with the FI community, how do you see your life changing (or perhaps not) in the next handful of years? For Dusti: How is retirement going? Any updates or new observations since you were last on the podcast? Niel – I would be interested to hear more about your hobbies, even if you aren’t actively pursuing them at the moment. Homebrewing, cooking, BBQ, guitar, etc. Bonus points if you can relate it to FIRE but not necessary. Erin – Does living in Longmont make it easier to retire and have a social group where people understand? Are you also experiencing people around you busier due to the cost of living? Be sure to check out the new GhostBed Massage Topper. Save 50% site-wide on your new mattress, pillow, and bedding over at GhostBed (coupon code: MILEHIGHFI) Need a fee only advisor? Nectarine is a network of financial advisors where you just pay for investing & planning advice. Advisors don’t manage your money, sell products, or earn commissions. We’re affiliates so we can earn a commission if you sign up. Thanks for the support. https://milehighfi.com/nectarine Help Doug afford his own “I Love Camping” hat by providing support at Buy Me A Coffee. Links (*Some affiliate links so we might earn a commission if you buy something) Connect with Dusti: Instagram Facebook Dusti on MHFI Episode 172 Episode 178 Episode 223 Episode 224 Mile High FI Facebook Group EconoMe Conference Bill Perkins, “Die With Zero” Kindle Hardcover Paperback Audiobook ChooseFI Local Groups Doug’s site Check out Producer Chris’s new 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 q...

Doug chats with Jesse Cramer from “The Best Interest” blog & podcast about retirement planning. They discuss the impact of making overly conservative vs aggressive assumptions, exploring key factors such as investment returns, inflation, spending, tax rates, and social security. Jesse highlights the importance of understanding personal risk tolerance, leveraging third-party advice, and continuous learning to make informed decisions about financial independence and retirement. Be sure to check out the new GhostBed Massage Topper. Save 50% site-wide on your new mattress, pillow, and bedding over at GhostBed (coupon code: MILEHIGHFI) Need a fee only advisor? Nectarine is a network of financial advisors where you just pay for investing & planning advice. Advisors don’t manage your money, sell products, or earn commissions. We’re affiliates so we can earn a commission if you sign up. Thanks for the support. https://milehighfi.com/nectarine Help Doug contribute to his retirement fund by providing support at Buy Me A Coffee. Links Jesse Cramer, “The Best Interest” The Best Interest, “The Crushing Cost of Conservative Retirement Planning” Doug on “The Best Interest” podcast: Apple Podcasts Spotify FinCon Michael Kitces Jim Dahle/White Coat Investor The White Coat Investor, “Michael Kitces on the State of Financial Planning” ChooseFI Joel & Matt/How To Money Dave Ramsey MHFI Facebook group Doug’s site Check out Producer Chris’s new 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 3:21 Transition from engineering to finance 8:47 Conservative retirement planning 12:55 Impact of conservative vs aggressive assumptions 18:34 Social security & spending in retirement...

Doug chats with Carl about his decision to leave the podcast to focus on wrapping up personal projects. Carl shares struggles with balancing podcast duties, fitness goals, burnout, and family obligations. He shares some regrets from his MHFI podcasting experience while also reflecting on his fondest memories. Doug talks about the future of the podcast and brainstorms how it may look going forward. Be sure to check out the new GhostBed Massage Topper. Save 50% site-wide on your new mattress, pillow, and bedding over at GhostBed (coupon code: MILEHIGHFI) Need a fee only advisor? Nectarine is a network of financial advisors where you just pay for investing & planning advice. Advisors don’t manage your money, sell products, or earn commissions. We’re affiliates so we can earn a commission if you sign up. Thanks for the support. https://milehighfi.com/nectarine Help us find a replacement co-host by contributing to our candidate search fund at Buy Me A Coffee. Links “The Doug Show” podcast CampFI EconoMe Conference ChooseFI, “Update: Healthiest Year Ever | Dean Turner | Ep 480” Brad Barrett/ChooseFI FinCon Pete Adeney/Mr. Money Mustache Bob Haines on MHFI episode 210 BJ on MHFI episode 217 Amberly Grant Maggie Tucker, “Inside Out Money” podcast Jesse Cramer, “The Best Interest” MHFI Facebook group Doug’s site Carl’s blog: 1500 Days — Join the Mile High FI Club – It’s our 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 1500 Days, Carl’s Blog about Early Retirement Email us here: [email protected] or [email protected] 0:00 Introduction 5:14 Carl’s busy schedule & buyer’s remorse 12:47 Fitness update & sleep issues 20:48 Production/promotion regrets 27:59 FI burnout 30:20 Positive/memorable moments 35:20 Future of the MHFI podcast ...

Join Doug and Carl as they embark on a road trip in Carl’s Tesla Model Y. In this episode, they discuss the state of their podcast, upcoming exciting series on happiness, and their plans for book writing. (Sorry about the audio! Doug sounds horrible, first time recording like this so I hope next time it’ll be better…) The duo shares their personal experiences, insights on podcast growth, and humorous tangents. Support our sponsor: GhostBed! Save 50% site-wide on your new mattress, pillow, and bedding over at GhostBed.com/milehighfi (coupon code: MILEHIGHFI) Nectarine is a network of financial advisors where you just pay for investing & planning advice. Advisors don’t manage your money, sell products, or earn commissions. We’re affiliates so we can earn a commission if you sign up. Thanks for the support. https://milehighfi.com/nectarine Help us buy enough Lazy Books to make it a New York Time’s best seller by supporting us at Buy Me A Coffee. Links (*Some affiliate links so we might earn a commission if you buy something) EconoMe Conference FinCon ChooseFI, “Deep Dive: Roth IRA Conversion Ladder | Ep 503” ChooseFI, “How and Why to Set up a Roth IRA Conversion Ladder” Brad Barrett/ChooseFI Jordan Grumet/Doc G, “The Purpose Code” Kindle Hardcover David Goggins, “Can’t Hurt Me” Kindle Hardcover Paperback Audiobook Stephen King, “You Like It Darker” Kindle Hardcover Paperback Audiobook Jeremy Schneider on MHFI episode 122 Celeste Headlee, “Do Nothing” Kindle Hardcover Paperback Audiobook CampFI Pete Adeney/Mr. Money Mustache Mark Trautman MHFI Facebook group Doug’s site Carl’s blog: 1500 Days — Join the Mile High FI Club – It’s our email list! Get MHFi Merch – It helps support the show. Get t-shirts & more **Disclaimer: The podcast is...

Doug and Carl answer questions from the Facebook mailbag. Akshay – I like the concept of giving money away, but I don’t want to die with zero. This is too close for comfort. I agree with helping out kids with their education, as long as they have skin in the game. I also agree with the idea of not wanting to wait until the end to pass your wealth onto your kids. It’s very much aligned with our life plans. However, I prefer to not die with zero, even though the book, by the same name, is nothing short of genius. Here’s why – say you give away all your money before you die and you need some or all of it back, you might need extra money based on your condition, health, other expenses for end of life, assisted living, etc Branden – More stories of people who did it without rental real estate! Angela – I’d like to hear about what to do in the last 5 years before retirement. Things like buffering HYSA, acquiring bonds (sell stocks or buy bonds outright?), health insurance, dental insurance, vision insurance, things I might want to consider before I quit my job. Jon – Withdrawal tactics – from index funds to short & medium term living expenses or keeping a high interest account, etc Chris – It’s been a little over 1 year since you & Mindy were on Ramit’s podcast. MHFI episode 167 provided a good recap where both of you discussed some changes you wanted to make. Can you provide an update and discuss any changes you actually made, what changes you still would like to make, and any challenges/struggles you’ve faced along the way? Be sure to check out the new GhostBed Massage Topper. Save 50% site-wide on your new mattress, pillow, and bedding over at GhostBed (coupon code: MILEHIGHFI) Nectarine is a network of financial advisors where you just pay for investing & planning advice. Advisors don’t manage your money, sell products, or earn commissions. We’re affiliates so we can earn a commission if you sign up. Thanks for the support. https://milehighfi.com/nectarine Feel bad that Carl STILL hasn’t installed those pesky door knobs? Support us at Buy Me A Coffee so he can afford to pay someone to install them. Links (*Some affiliate links so we might earn a commission if you buy something) MHFI Facebook group Bill Perkins, “Die With Zero” Kindle Hardcover Paperback Audiobook Darren & Jolene on MHFI episode 228 Bob Haines on MHFI episode 210 Pete Adeney/Mr. Money Mustache Brad Barrett/ChooseFI JL Collins, ““How I Lost Money in Real Estate Before It Was Fashionable” Kindle Hardcover Paperback ...

Doug and Carl chat about various aspects of consumerism including recent trends, rising costs, and the evolving culture of tipping. They discuss the rising cost of vehicle prices & financing, increasing cost of car insurance, the future of autonomous cars, and compare fast food & grocery costs over the last decade. They also delve into the confusing culture of tipping to debate proper etiquette and question when & how much to tip. Be sure to check out the new GhostBed Massage Topper. Save 50% site-wide on your new mattress, pillow, and bedding over at GhostBed (coupon code: MILEHIGHFI) Similar to autonomous vehicles, we believe the future of podcasting should be autonomous as well. Help us transition this show to AI & robots by supporting us at Buy Me A Coffee. Links Tony Seba KBB, “When Will New Car Prices Drop?” LendingTree, “Average Car Payment and Auto Loan Statistics 2024” Statista, “Share of used and new vehicles with financing in the United States from 2017 to 2023” Bankrate, “The true cost of auto insurance in 2024” FinanceBuzz, “Is Fast Food Affordable Anymore? Here’s How Menu Prices Have Changed Over the Years [2024]” Pete Adeney/Mr. Money Mustache Brad Barrett/ChooseFI Mile High FI Facebook Group Doug’s site Carl’s blog: 1500 Days — Join the Mile High FI Club – It’s our 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 1500 Days, Carl’s Blog about Early Retirement Email us here: [email protected] or [email protected] 0:00 Introduction 2:35 Car prices & payments 8:07 The future of autonomous cars 12:46 Increasing cost of car insurance 17:04 Rising fast food costs 23:38 Impact of inflation on food & grocery purchases 26:45 Tipping culture: confusion & controversy 31:21 Expansion of tipping into more & more locations 39:28 Soundcheck – Mini fitness updates

Doug and Carl chat with Dan Manwaring, a former medical device salesman, who transformed his life from being $60K in debt to retiring early and traveling the world. Dan discusses his professional journey, his approach to financial independence, and his unique travel experiences along with fitness routines, eating habits, and the importance of enjoying simple daily routines for overall happiness. Note: This is a rebroadcast of MHFI episode 130 Be sure to check out the new GhostBed Massage Topper. Save 50% site-wide on your new mattress, pillow, and bedding over at GhostBed (coupon code: MILEHIGHFI) Unfortunately we still can’t find any breweries to sponsor us, so hopefully you can help us out instead over at Buy Me A Coffee. Links Connect with Dan on Instagram Mark Trautman FI Chautauqua Pete Adeney/Mr. Money Mustache Mr. Money Mustache, “Happiness is the Only Logical Pursuit” “Playing with Fire” movie Brandon Ganch/Mad Fientist David Baughier on MHFI episode 138 Stephen Baughier/CampFI Wait But Why, “The Tail End” Huberman Lab Peter Attia, “Centenarians” Mile High FI Facebook Group Doug’s site Carl’s blog: 1500 Days — Join the Mile High FI Club – It’s our 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 1500 Days, Carl’s Blog about Early Retirement Email us here: [email protected] or [email protected] 0:00 Introduction 2:08 Deep Sleep 10:05 Pharmaceutical & medical sales 15:12 Discovering FI 23:00 Challenges & reflections on the FI journey 30:04 Decompressing after retirement 36:42 Travel adventures 41:43 Spending time with family 47:09 Fitness & health 56:49 Keto & the perfect day 1:04:59 Soundcheck – Longmont breweries

Doug and Carl catch up to discuss their recent summer adventures. They discuss Carl’s FI-centric road trip & his future travel plans, Doug’s experience with timeshares, fitness routines while traveling, and an update on Doug’s back injury. And because this is a money podcast, they also touch on the current state of the stock market. Be sure to check out the new GhostBed Massage Topper. Save 50% site-wide on your new mattress, pillow, and bedding over at GhostBed (coupon code: MILEHIGHFI) Want to support our new product line of Mile High FI eye masks (complete with googly eyes)? If so, head over to Buy Me A Coffee. Links ChooseFI Local Groups Physician on FIRE on MHFI episode 112 Physician on FIRE, “A Timeshare Presentation Survival Guide: Getting to No” FinCon Chris Hutchins, “My New Routine, Timeshare Pitches, and Podcast Plans for 2024” CampFI Matt & Joel/How to Money, “Should You Buy a Refurbished Phone?” Mark Trautman Mile High FI Facebook Group Doug’s site Carl’s blog: 1500 Days — Join the Mile High FI Club – It’s our 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 1500 Days, Carl’s Blog about Early Retirement Email us here: [email protected] or [email protected] 0:00 Introduction 1:44 Carl’s recent road trip 5:59 Traveling less 10:20 Doug’s timeshare experience 17:58 Future timeshare research 21:22 The math behind timeshares 28:55 New member of the family 33:35 Voice-to-text woes 40:52 Doug’s back injury 44:43 Working out on the road 51:04 Current stock market volatility 57:08 Soundcheck – Summer heat

Doug and Carl answer a potpourri of audience questions at CampFI Rocky Mountain with help from Mark Trautman (Mark’s Money Mind), Pete Adeney (Mr. Money Mustache), Travis Hughes (Downshift Financial), and Mindy Jensen (BiggerPockets Money/Mindy on Money). On a scale of 1 to 10, how happy were you to see asparagus served in the cafeteria at CampFI? What was the most embarrassing moment on the way to FI? For Pete: How do you navigate a complex case study – how do you look at it, and how do you simplify? If we find ourselves in a really good situation it might be better to change the world a little bit while we’re still alive. Why do we have to wait until we’re dead? How do you feel about asparagus? Can you talk about your interest in coaching and why you enjoy it? What has surprised you about post-FI life? What is still on your bucket list to do post-FI? As a recovering FIRED software engineer, I’m still too much into routines and planning. How do I introduce more spontaneity into my life post-FI? What is your second favorite vegetable (besides asparagus)? For Travis: Is a Roth conversion considered earned income? Is it income that can be deducted for HSA, rental loss, other business loss, capital gain loss? What is the weird habit you do in the bathroom that you don’t want anyone to know? What percentage of assets should be in bonds vs stocks and when should you rebalance? Why is Emma so awesome? For Mindy: What is your favorite part of CampFI? Compare and contrast index funds vs real estate Any interest in a new FI movement – Sasquatch FI (whereby you pursue FI to find a life dedicated to traveling the world in search of the elusive, enigmatic Bigfoot)? FI has changed a little bit from the early blogging days, so how do you see it shifting with “Die With Zero”? How do you see the new wave of FI? David Lee Roth or Sammy Hagar? Be sure to check out the new GhostBed Massage Topper. Save 50% site-wide on your new mattress, pillow, and bedding over at GhostBed (coupon code: MILEHIGHFI) Missed CampFI but still want to hang out? If so, join us in our Facebook group or over at Buy Me A Coffee. Links (*Some affiliate links so we might earn a commission if you buy something) CampFI Mark Trautman Mark’s Money Mind website Mark’s Money Mind podcast Pete Adeney Mr. Money Mustache blog Instagram

Doug chats with early retirees Jolene & Darren about their path to financial independence and early retirement. The couple shares their experience from 20-year careers in agronomy, high savings rates, and the impact of discovering the FIRE movement in 2018. They discuss life changes including downsizing possessions, international travel, utilizing the 72T rule to access retirement funds early, health insurance options, the benefits of South Dakota residency, and the importance of community. Be sure to check out the new GhostBed Massage Topper. Save 50% site-wide on your new mattress, pillow, and bedding over at GhostBed (coupon code: MILEHIGHFI) Do you believe community is important as well? If so, hang out with us in our Facebook group or over at Buy Me A Coffee. Links Dare to Draw Down CampFI ChooseFI podcast Doug’s other podcast, “The Doug Show” Smart Passive Income Podcast with Pat Flynn The Authority Hacker podcast Empower (formerly Personal Capital) NewRetirement Nectarine, Advice-Only Financial Advisors “Playing with Fire” movie Bill Yount/Catching Up To FI Go With Less Mark Trautman Retirement and IRA Show podcast MDsave Escapees RV Club EconoMe Conference Mile High FI Facebook Group Doug’s site Carl’s blog: 1500 Days — Join the Mile High FI Club – It’s our 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 1500 Days, Carl’s Blog about Early Retirement Email us here: [email protected] or [email protected] 0:00 Introduction 3:39 Discovering Financial Independence...

Doug and Carl chat with Debbie and Chris Emick from the “Go Bucket Yourself” blog & podcast about their journey to financial independence. Debbie & Chris discuss their core values, real estate, overcoming challenges & fear, cultivating a growth mindset, the significance of community building, and their adventurous lifestyle, including homeschooling and travel. Note: This is a rebroadcast of MHFI episode 052 Be sure to check out the new GhostBed Massage Topper. Save 50% site-wide on your new mattress, pillow, and bedding over at GhostBed (coupon code: MILEHIGHFI) Head over to Buy Me A Coffee and help support us, so that we can adopt a pig for our mascot. Links (*Some affiliate links so we might earn a commission if you buy something) Connect with Debbie & Chris: Go Bucket Yourself website Go Bucket Yourself podcast Debbie’s Instagram Chris’s Instagram Debbie Emick, “The Other Side of Perfect” Kindle Hardcover Paperback Audiobook CampFI Physician on FIRE Ryan Holiday Books “The Obstacle Is The Way” Kindle Hardcover Paperback Audiobook “Ego Is The Enemy” Kindle Hardcover Paperback Audiobook FinCon Jillian Johnsrud on ChooseFI podcast episode 084 Robert Kiyosaki Books “Rich Dad Poor Dad” Kindle Paperback Audiobook “Cashflow Quadrant” Kindle Hardcover Paperback Audiobook

Doug and Carl answer questions from the Facebook mailbag and read recent podcast reviews. Kristian – I was recently discussing the subject of financial independence with a friend, she sits in the business and entrepreneurial camp, and she has a strong opinion, regarding “having a FI number” as she thinks it is limiting my mindset. She often says that she feels like it’s working towards a minimum standard rather than trying to maximize my potential. Do you have any thoughts on this? Brett – Car loan pay-off is $7053; car loan is $446 a month, interest is 2.3%. Have been paying $200 a week to get the car paid off ASAP. Savings is paying 5.5% APY. Should I continue paying the car off ASAP or would it make more sense to just pay the monthly payment due to the savings APY? Molly – I drive a really beautiful and sleek 2008 Honda Civic. My insurance keeps creeping up. I just spoke to the agent and I could raise my deductible to 1K or 2K for modest savings, but the 5K deductible gets me to around $60 a month. I like the sound of that – but is a 5K deductible insane? I have zero desire to upgrade my car. I like the older cars that aren’t fully computer chips at this point. What do you guys think? Ben – Anyone else a very unfrugal FI individual? I like to eat out, I like newer cars, I like new toys. Steven – Vanguard recently sent a letter stating that my Solo 401k is moving to Ascensus. Ultimately it looks like the potential for a couple new fees that I would rather avoid. So with that in mind what would you suggest? Be sure to check out the new GhostBed Massage Topper. Save 50% site-wide on your new mattress, pillow, and bedding over at GhostBed (coupon code: MILEHIGHFI) Answering all these questions makes us hungry. Support us over at Buy Me A Coffee so we can afford some Taco Bell. Links MHFI Facebook group Elizabeth on MHFI episode 212 Early Retirement Now Chat GPT analysis for paying off car loan (Brett’s question) BiggerPockets Money podcast EconoMe Conference Downshift Financial Paula Pant/Afford Anything Allison on MHFI episode 220 Jim Dahle/White Coat Investor Reddit, “Huberman struggling with very basic statistical concepts” Reddit, “Vanguard sells their Solo 401k business to Ascensus” CampFI

Doug and Carl discuss the challenges of retiring during a market downturn. They delve into the significance of Sequence of Returns Risk & inflation then propose strategies for financial management during recessions, such as cutting expenses, maintaining cash reserves, adjusting withdrawals, part-time work, and re-evaluating investments. Note: This is a rebroadcast of MHFI episode 133 Be sure to check out the new GhostBed Massage Topper. Save 50% site-wide on your new mattress, pillow, and bedding over at GhostBed (coupon code: MILEHIGHFI) Head over to Buy Me A Coffee and help support us, so that we can FINALLY make the mesh t-shirts that we’ve been talking about since this episode originally aired in 2022. Links EconoMe Conference JD Roth/foldedspace JD Roth on MHFI episode 127 Go Curry Cracker, “The Path to 100% Equities” Michael Kitces, “Understanding Sequence Of Return Risk” Michael Kitces on BiggerPockets Money podcast episode 351 Mile High FI Facebook Group Doug’s site Carl’s blog: 1500 Days — Join the Mile High FI Club – It’s our 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 1500 Days, Carl’s Blog about Early Retirement Email us here: [email protected] or [email protected] 0:00 Introduction 4:11 Introduction 2 9:29 Taylor Swift 14:28 Retiring during a recession 18:37 Sequence of returns risk & inflation 23:11 Mitigating Sequence of Returns Risk & inflation 28:51 Other strategies for a downturn 34:28 First decade matters the most 38:43 Blooper- Failed quote

Doug chats with two recent retirees, his wife Elizabeth & friend Dusti. They share vital tips and lessons they’ve learned, including financial planning, healthcare considerations, and the importance of flexibility and community in retirement. The group also discusses real-life strategies like writing things down, engaging in fulfilling activities, and easing into new routines. Be sure to check out the new GhostBed Massage Topper. Save 50% site-wide on your new mattress, pillow, and bedding over at GhostBed (coupon code: MILEHIGHFI) Want to support our new product, the 1500 Days bidet? If so, head over to Buy Me A Coffee. Links (*Some affiliate links so we might earn a commission if you buy something) Connect with Elizabeth by reaching out to Mindy: Email BiggerPockets Twitter/X Connect with Dusti: Facebook Strava Instagram Elizabeth & Dusti on MHFI episode 223 Elizabeth on MHFI episode 212 Dusti on MHFI: Episode 172 Episode 178 Episode 179 Gretchen Rubin, “The Happiness Project” Kindle Hardcover Paperback Audiobook Leckerlee Cookies Robert Cialdini, “Influence: The Psychology of Persuasion” Kindle Hardcover Paperback Audiobook Mile High FI Facebook Group Doug’s site Carl’s blog: 1500 Days — Join the Mile High FI Club – It’s our 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 1500 Days, Carl’s Blog about Early Retirement Email us here: doug@mileh...

Doug chats with two recent retirees, his wife Elizabeth & friend Dusti. The group discusses the transition to retirement, sharing insights on dealing with stress, maintaining productivity, and discovering new interests. Elizabeth & Dusti also answer questions from the Facebook mailbag. Jamie – Have you decompressed yet from baseline stress? Others have said you don’t realize how stressed you really are until you leave the job behind. If so, how long did it take? What’s been the biggest surprise in the first two months? AJ – Has your mindset about money and spending shifted at all in the last two months? Do you have more or less anxiety about fun spending? Frieda – What were you grateful to have done prior to leaving your employer? And is there anything that you wish you would have done in advance to your last day at work? Hallie – Do you have any thoughts about finding challenges or fulfillment once the “honeymoon stage” is over? Or are you just enjoying the process of relaxing and unwinding for now? Catie – How are you balancing the productivity mindset versus relaxing/being present versus guilt for being able to do a lot more of ‘nothing’? Curious about any new routines/structure of your day now too! Chris – What has been most surprising in the first two months? And looking back, is there anything you would have done differently about leaving? Stephanie – Leading up to retirement, what did you think your biggest challenge was going to be in retirement? And then now that you’re a few months in, what do you think the biggest challenge actually is? Khang – What MORE do you want to do now that you’ve had some time to acclimate? Is it an activity you’re surprised to find out about yourself? Rakesh – When is Elizabeth going to join Dusti for running? Eric – How long until Elizabeth is tired of being around Doug for all of those hours in a day? Maggie – Does Elizabeth want to come to CampFI and do puzzles with me? Callie – There is a puzzle competition???!!! How do you find out about those?! Mira – How is puzzle solving different pre and post retirement? Be sure to check out the new GhostBed Massage Topper. Save 50% site-wide on your new mattress, pillow, and bedding over at GhostBed (coupon code: MILEHIGHFI) Do you have even more questions for Elizabeth or Dusti? If so, head over to the Mile High FI Facebook group or support us at Buy Me A Coffee. Links (*Some affiliate links so we might earn a commission if you buy something) Connect with Elizabeth by reaching out to Mindy: Email BiggerPockets Twitter/X Connect with Dusti: Facebook Strava Instagram Mile High FI Facebook Group Elizabeth on MHFI episode 212 Dusti on MHFI: Episode 172 Episode 178 Episode 179

Doug and Amberly discuss the ins & outs of when to consider using a financial advisor. They explore the pros & cons of working with advisors, fee structures, the importance of fiduciary responsibility, how to avoid bad financial advice, and complexities of DIY financial management. They share personal stories and experiences to illustrate the discussion, including Doug’s past mistakes with an advisor and Amberly’s insights from hosting financial discussions & events. Be sure to check out the new GhostBed Massage Topper. Save 50% site-wide on your new mattress, pillow, and bedding over at GhostBed (coupon code: MILEHIGHFI) Want to support our new business venture, financial advisor/fiduciary hats? If so, head over to Buy Me A Coffee. Links (*Some affiliate links so we might earn a commission if you buy something) Connect with Amberly: AmberlyGrant.com FinTalks FinTalks Cruise Instagram Facebook “Jump In Feet First” podcast Elizabeth on MHFI episode 212 Amberly on MFHI episode 216 Wealthsimple Jeremy Schneider/Personal Finance Club “Types of Advisors” “The Fees Add Up” “Cost of Advice?” Northwestern Mutual Conflict of Interest brochure Northwestern Mutual Conflict of Interest brochure (Marked up) Denver Asset Building Coalition Brian Feroldi on MHFI episode 213 Downshift Financial Nectarine, Advice-Only Financial Advisors FeeOnlyNetwork JL Collins, “Simple Path to Wealth” Kindle Hardcover Paperback Audiobook Mark’s Money Mind Podcast CampFI EconoMe Conference Mile High FI Facebook Group Doug’s site Carl’s blog: 1500 Days — Join the Mile High FI Club – It’s our email list!

Doug and Carl answer questions from the Facebook mailbag. Branden – Basically Coast FI, but can’t pass up the tax advantages of a 401k and a Roth IRA even though focusing on a taxable brokerage account would provide freedom sooner. How did you prioritize which accounts to use and when? Julie – Do you favor long-term care insurance? Matt – How to approach the dating scene? Andrea – What advice do you have for parents pursuing FI with kids & what would you do differently? What thoughts do you have about raising a financially responsible set of kids? Claudia – What did you decide to do about college expenses for your kids? How are you teaching them about money so that one day they can protect and grow what they will inherit? Be sure to check out the new GhostBed Massage Topper. Save 50% site-wide on your new mattress, pillow, and bedding over at GhostBed (coupon code: MILEHIGHFI) Want to support our new business venture, The Doug Cunnington School of Border Collie Excellence? If so, head over to Buy Me A Coffee. Links (*Some affiliate links so we might earn a commission if you buy something) Mile High FI Facebook Group Sean Mullaney Mark’s Money Mind Podcast Peter Attia BJ on MHFI episode 217 EconoMe Conference Stephen Baughier/CampFI Bill Perkins, “Die With Zero” Kindle Hardcover Paperback Audiobook Elizabeth on MHFI Episode 212 Amberly Grant Brad Barrett/ChooseFI Meteorologist Kristen Hoffman Process Doug’s site Carl’s blog: 1500 Days — Join the Mile High FI Club – It’s our 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 1500 Days, Carl’s Blog about Early Retirement Email us here: [email protected] or [email protected] 0:00 Introduction 1:46 Question – Prioritizing investment accounts...

Doug and Carl chat with Allison, delving into her unique journey as a nanny for high net worth families and some insights & takeaways from those with wealth. Allison also discusses her path toward financial independence including frugal areas of her life, giving into the (lifestyle) creep, and finally attending an in-person FI event for the first time after being in the community virtually for so many years. Be sure to check out the new GhostBed Massage Topper. Save 50% site-wide on your new mattress, pillow, and bedding over at GhostBed (coupon code: MILEHIGHFI) Want to support our new business venture, Pets on Jets? If so, head over to Buy Me A Coffee. Links (*Some affiliate links so we might earn a commission if you buy something) Connect with Allison on Instagram FinCon “Mindy On Money” podcast EconoMe Conference Vicki Robin & Joe Dominguez, “Your Money or Your Life” Kindle Paperback Audiobook Audio CD Pete Adeney/Mr. Money Mustache Early Retirement Extreme Brad Barrett/ChooseFI BJ on MHFI episode 217 CampFI Allison on Earn & Invest podcast, “How to Take Action (Live From Econome)” Allison on ChooseFI podcast, “The Courage to Take Action | EconoMe LIVE with Doc G | Ep 488” Jordan Grumet/Doc G Mile High FI Facebook Group Doug’s site Carl’s blog: 1500 Days — Join the Mile High FI Club – It’s our 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 1500 Days, Carl’s Blog about Early Retirement Email us here: [email protected] or [email protected]<...

Doug and Carl chat with Vivi Ton who shares her bold decision to leave a stable career as an aerospace engineer to pursue her true passion in graphic design. Vivi discusses entrepreneurship & her work with Personal Finance Club, her experiences with mental health & therapy, navigating the societal pressures of leaving a high-paying job, and offers insight into the importance of finding work-life balance. Note: This is a rebroadcast of MHFI episode 054. Save 50% site-wide on your new mattress, pillow, and bedding over at GhostBed (coupon code: MILEHIGHFI) Use coupon code MILEHIGHFI which is good for 20% off any Personal Finance Club products – individual courses or the bundle. (Affiliate so we might earn a commission) Want to help us quit our job as podcasters? Support us at Buy Me A Coffee so we can finally stop. Links Connect with Vivi on Instagram Personal Finance Club Website Instagram Courses Jeremy Schneider on MHFI episode 122 Nectarine, Advice-Only Financial Advisors Amberly Grant: FinTalks “Jump In Feet First” Podcast Vivi on “Jump In Feet First” Podcast episode 1 Mark’s Money Mind Podcast Doug’s Podcast Accelerator Pete Adeney/Mr. Money Mustache EconoMe Conference Mile High FI Facebook Group Doug’s site Carl’s blog: 1500 Days — Join the Mile High FI Club – It’s our 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 1500 Days, Carl’s Blog about Early Retirement Email us here: [email protected] or [email protected] 0:00 Introduction 4:49 Quitting engineering 10:52 Sunk cost & transitioning to graphic design 16:42 Entrepreneurship & i...

Doug and Carl catch up briefly on a potpourri of personal topics including challenges of managing time, updates with the lazy book, fitness updates, and upcoming summer plans. They also discuss changes in Google search, the impact of AI on search results, and the current state of SEO. Save 50% site-wide on your new mattress, pillow, and bedding over at GhostBed (coupon code: MILEHIGHFI) Feel bad that Carl and his kids are missing door knobs? Support us at Buy Me A Coffee so he can afford new ones. Links Hoffman Process “Mindy On Money” podcast Doug’s other channel, “Niche Site Project” “Omnibus” podcast Google search: Doug Cunnington, “Google Publisher Success Stories vs Google Search” Omnibus podcast, “Kim’s Video (Entry 687.MT0542)”, Google discussion at 56:39 Edward Zitron, Where’s Your Ed At?, “The Man Who Killed Google Search” The Verge, “Google is getting even worse for independent sites” Brad Barrett/ChooseFI CampFI Physician on FIRE Ramit Sethi Mile High FI Facebook Group Doug’s site Carl’s blog: 1500 Days — Join the Mile High FI Club – It’s our 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 1500 Days, Carl’s Blog about Early Retirement Email us here: [email protected] or [email protected] 0:00 Introduction 1:05 Not enough time 3:55 Lazy book update 6:02 Changes to Google search 14:00 Mini-fitness updates 19:27 Summer plans 27:35 Soundcheck – Never-ending projects

Doug and Carl chat with Air Force veteran & physician B.J., who shares his journey toward Financial Independence and life beyond material success. B.J. discusses how military benefits like pensions & healthcare can pave the way to financial success, the personal growth he experienced after achieving FI, and the pursuit of deeper happiness beyond owning dream items such as a Lamborghini. Post-military retirement, B.J. emphasizes the importance of giving back to the community and explores his decision to continue working, motivated by a desire to serve others. Save 50% site-wide on your new mattress, pillow, and bedding over at GhostBed (coupon code: MILEHIGHFI) Are you looking to explore the “squishy stuff” but don’t know where to start? Come over & start your research at Buy Me A Coffee, perhaps we can help. *Some affiliate links so we might earn a commission if you buy something. Links (*Some affiliate links so we might earn a commission if you buy something) EconoMe Conference Diania Merriam “Playing with Fire” movie Bill Perkins, “Die With Zero” Kindle Hardcover Paperback Audiobook CampFI FinCon Elizabeth on MHFI Episode 212 Jordan Grumet/Doc G Jordan Grumet, “Taking Stock” Kindle Paperback Audiobook Audio CD Bronnie Ware, “Top Five Regrets of the Dying” Kindle Hardcover Paperback Audiobook David Brooks, “The Second Mountain” Kindle Hardcover Paperback Audiobook Bill Yount & Jackie Cummings Koski/Catching Up To FI Dave Ramsey Military Dollar Doug Nordman/Military Financial Independence Doug Nordman, “The Military Guide to Financial Independenc...

Doug and Amberly explore the intriguing reasons why many millionaires consider themselves middle class. They discuss the technical definitions of financial classes vs. the challenging societal definitions of these same classes, how both of these relate to their own views, and the psychology of wealth & self-perception among financially successful individuals. Save 50% site-wide on your new mattress, pillow, and bedding over at GhostBed (coupon code: MILEHIGHFI) Still confused by all these definitions of middle class? If so, help us fund our own surveys & research by heading over to Buy Me A Coffee Links Doug’s Podcast Accelerator Connect with Amberly: AmberlyGrant.com FinTalks Instagram Facebook “Jump In Feet First” podcast Amberly on CNBC Make It Doug & Amberly discuss “failing” FI on MHFI episode 174 Erin Talks Money YouTube Erin Talks Money, “Reality of the Middle Class Millionaire” Yahoo Finance/Insider Monkey, “15 Reasons Why Millionaires Think They’re Middle Class” “Millionaires Share Practical Financial Tips in New Research from Ameriprise Financial” Doug & Carl discuss feeling wealthy & rich on MHFI episode 203 Thomas Stanley & William Danko, “Millionaire Next Door” Kindle Hardcover Paperback Audiobook Investopedia Definitions: “Middle Class: Definition and Characteristics” “Working Class Explained: Definition, Compensation, Job Examples” “Upper Class: Definition, Salary, Example, and Other Social Classes” United States Census Bureau “Wealth, Asset Ownership, & Debt of Households Detailed Tables: 2021” “Income in the United States: 2022” David Chilton, “The Wealthy Barber” Paperback EconoMe Conference Morgan Housel Ramit Seth...

Doug and Carl work through a case study from listener Frank and also answer questions from the Facebook mailbag. Frank – Has a stressful, yet well paying job. Should he stay at his current job, which he doesn’t like so much, or move on to something else that he’s been contemplating for a while? Rich What does a typical daily meal and snack look like? If you had to change it up, what would you do to make it more ideal? What are a couple of key takeaways that you have learned by chatting with other FIRE folks that you are trying to instill in your life? If you had a second home, what city or state would it be in and why? Paddy – Carl has built an Allan Block retaining wall; would he do this again or hire out? If so, any tips? John – Who wins in a footrace – Doug or Carl? Save 50% site-wide on your new mattress, pillow, and bedding over at GhostBed (coupon code: MILEHIGHFI) Want to support our new business venture, the Meat Oatmeal Food Truck? If so, head over to Buy Me A Coffee. Links Mile High FI Facebook Group Doug’s Podcast Accelerator Tim Ferriss Pete Adeney/Mr. Money Mustache David Baughier on MHFI episode 138 CampFI EconoMe Conference Bill Perkins, “Die With Zero” Kindle Hardcover Paperback Audiobook Mark’s Money Mind Podcast Jason’s Podcast, “Digital Downshift” Amberly Grant’s Podcast, “Jump In Feet First” Brad Barrett/ChooseFI Jordan Grumet/Earn & Invest podcast JL Collins Hoffman Process Doug’s site Carl’s blog: 1500 Days — Join the Mile High FI Club – It’s our 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 1500 Days, Carl’s Blog about Early Retirement Email us here: [email protected] or [email protected] 0:00 Introduction 2:02 Frank’s case study summary 8:35 Leaving the job vs. phoning it...

Mindy and Carl catch up with long-time friend Brandon, the Mad Fientist, to discuss the balance between spending, saving, and maintaining happiness. Brandon details his journey from extreme frugality to spending experiments to purposeful spending/spending for happiness. He also discusses the indispensable role of personal development, the importance of experiences over possessions, and the influence of parenthood and life events in reshaping priorities. Note: This is a rebroadcast of episode 22 of the “Mindy on Money” podcast. Save 50% site-wide on your new mattress, pillow, and bedding over at GhostBed (coupon code: MILEHIGHFI) Interested in your own spending experiment? If so, head over to Buy Me A Coffee and experiment with supporting the show! Links “Mindy on Money” Podcast Website YouTube Channel Facebook Group “Let’s Talk About Our Appearance on the Ramit Show” podcast episode Mad Fientist Website/blog Music Financial Independence Podcast “Ramit Sethi – I Will Teach You to Be Rich” podcast episode “Ramit Sethi – How to Spend (and Actually Enjoy It)” podcast episode “How to Access Retirement Funds Early” blog post “Happiness Through Subtraction” blog post “Best Advice” pdf Ramit Sethi Elizabeth on MHFI Episode 212 FinCon J. Money Budgets are Sexy Bill Perkins, “Die With Zero” Kindle Hardcover Paperback Audiobook BiggerPockets Money podcast, “Ramit Sethi’s Money Advice for Couples: Live a Rich Life, Together” Pete Adeney/Mr. Money Mustache Mile High FI Facebook Group Doug’s site Carl’s blog: 1500 Days — Join the Mile High FI Club – It’s our 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...

Doug and Carl chat with financial educator, investing enthusiast, and author Brian Feroldi. Brian delves into early investment mishaps, his investing philosophy (focusing on high-quality, long-term businesses), the significance of understanding the stock market & personal finance, and where to find new investing ideas. The group also discusses Warren Buffett & the role of dividend investing along with AI’s impact on productivity and stock market returns. Save 50% site-wide on your new mattress, pillow, and bedding over at GhostBed (coupon code: MILEHIGHFI) If you’re looking for a crazy, high-risk/high-reward investment opportunity, come over to Buy Me A Coffee and invest in us! Links Connect with Brian: Facebook Instagram Twitter/X LinkedIn Brian’s YouTube Channel Brian Feroldi, “Why Does The Stock Market Goes Up?” Kindle Hardcover Paperback Audiobook Long-Term Mindset The Motley Fool EconoMe Conference Robert Kiyosaki, “Rich Dad Poor Dad” Kindle Paperback Audiobook Books by Jim Cramer “Jim Cramer’s Mad Money” Kindle Hardcover Audiobook Audio CD “Jim Cramer’s Stay Mad For Life” Kindle Hardcover Paperback Audiobook Interactive Brokers Berkshire Hathaway Charlie Munger, “Poor Charlie’s Almanack” Kindle Hardcover Audiobook FinCon Books by Morgan Housel “The Psychology of Money”

Carl chats with Doug and his wife Elizabeth who recently left her career and retired early. Elizabeth discusses her introduction to Financial Independence and some of the skepticism she initially had while also walking through some of the specifics about actually leaving her job (making the decision, having a solid financial plan in place, and describing her last day at work). She goes on to share insights on adjusting to retirement, staying mentally active, societal perceptions of retiring early, the importance of finding joy outside work, and the importance of having a purpose post-retirement. Save 50% site-wide on your new mattress, pillow, and bedding over at GhostBed (coupon code: MILEHIGHFI) Are you an early retiree looking for something to fill your time or to provide purpose? If so, come over to Buy Me A Coffee and hang out with us. Links Mr. Money Mustache Bogleheads forum Tim Ferriss podcast, “Mr. Money Mustache — Living Beautifully on $25-27K Per Year (#221)” BiggerPockets Money podcast, Episode 153 with Bill Bengen CampFI EconoMe Conference Mile High FI Facebook Group Doug’s site Carl’s blog: 1500 Days — Join the Mile High FI Club – It’s our 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 1500 Days, Carl’s Blog about Early Retirement Email us here: [email protected] or [email protected] 0:00 Introduction 1:58 Discovering FIRE 7:48 Good financial habits, tools, & practices 13:19 FIRE skepticism 18:49 Overcoming uncertainty & leaving work 23:34 Debate on the 4% rule 29:41 Working again after retirement 36:23 Pulling the trigger to actually quit 43:51 Single point of success 49:44 Last day of work & what happens next 54:48 Retirement worries 1:00:38 Telling friends & family about retirement 1:08:48 FI events & the perfect day 1:16:27 Soundcheck – Envelopes

Recorded in the hotel lobby on the last day of the EconoMe conference, Doug and Carl reflect on some of the presentations and conversations they had over the weekend while also providing their own insights & observations. They discuss various topics including: the evolution of the FIRE movement from its initial focus on accumulating wealth to its current emphasis on mental health and personal development, happiness, post-FI life challenges, and strategies for dealing with anxiety and negative thoughts. Save 50% site-wide on your new mattress, pillow, and bedding over at GhostBed (coupon code: MILEHIGHFI) Couldn’t make it to EconoMe this year, but still want to hang out with others in the FI community? If so, come over to Buy Me A Coffee and hang out with us. Links “Mindy On Money” podcast Doug’s Podcast Accelerator Doug’s SEO & Marketing Podcast, “Ranking Revolution” EconoMe Conference JL Collins Katie & Alan Donegan JD Roth/foldedspace Meteorologist Kristen Amberly Grant Mark Trautman Mile High FI Facebook Group Doug’s site Carl’s blog: 1500 Days — Join the Mile High FI Club – It’s our 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 1500 Days, Carl’s Blog about Early Retirement Email us here: [email protected] or [email protected] 0:00 Introduction 1:52 Stress & anxiety 8:53 Removing the mask in retirement 12:11 Thoughts on post-retirement life 17:41 One-more-year syndrome 25:27 Happiness & confronting personal issues 29:09 Evolution of FI 34:47 Carl’s 3 tips (plus a bonus) 39:46 Podcast projects beyond MHFI 47:11 Soundcheck – Feeling tired

Doug and Carl chat with Bob Haines who is a well-known figure in the FI community due to his frequent attendance of various FI-related events such as FinCon, EconoMe, Chautauqua, and CampFI. Bob recounts his financial journey from initially finding FI through the Tim Ferriss podcast, to discovering that he was accidentally FI already, to transitioning fully into the world of early retirement almost five years ago. Bob also discusses the changes he’s seen in the FI community over the years and the power of FI events. Save 50% site-wide on your new mattress, pillow, and bedding over at GhostBed (coupon code: MILEHIGHFI) Haven’t been able to attend any FI events, but still want to hang out with others in the community? If so, come over to Buy Me A Coffee and hang out with us. Links Connect with Bob: Instagram Facebook EconoMe Conference CampFI FI Chautauqua Tim Ferriss podcast, “Mr. Money Mustache — Living Beautifully on $25-27K Per Year (#221)” Pete Adeney/Mr. Money Mustache Mr. Money Mustache, “The Shockingly Simple Math Behind Early Retirement” JL Collins, “Simple Path to Wealth” Kindle Hardcover Paperback Audiobook JL Collins Chad Carson Gwen Merz/Fiery Millennials FinCon Amberly Grant/FinTalks Cruise Amy Minkley/FI Freedom Retreats Fioneers/Slow FI Retreat Kevin Ha, “How an Ebike Can Be the Best Investment You Ever Make” Kevin Ha/Financial Panther ChooseFI Local Groups Joel & Matt/How To Money Early Retirement Extreme Bill Perkins, “Die With Zero” Kindle Hardcover Paperback Audiobook Coastal Volunteers in Medicine Mark Trautman/Mark’s Money Mind Becky Heptig/Catching up to FI Brad Barrett/ChooseFI Jordan Grumet/Earn & Invest podcast

Recorded in the hotel lobby from the EconoMe conference in Cincinnati, Doug and Carl catch-up on various topics including: a recap of their recent visit to the Culdesac community in Arizona, thoughts on e-bikes & electric vehicles, Doug’s battle with pink eye, updates to their fitness routines, and Carl’s unfortunate Facebook incident. Doug also shares an exciting announcement about his wife’s upcoming retirement, providing insights into her journey from skepticism to embracing financial independence. Save 50% site-wide on your new mattress, pillow, and bedding over at GhostBed (coupon code: MILEHIGHFI) Couldn’t make it to EconoMe this year, but still want to hang out with others in the FI community? If so, come over to Buy Me A Coffee and hang out with us. Links EconoMe Conference Pete Adeney/Mr. Money Mustache Mr. Money Mustache & Culdesac on MHFI episode 207 Culdesac Brad Barrett/ChooseFI ChooseFI podcast, “Update: Healthiest Year Ever | Dean Turner | Ep 480” UC San Diego Health, “Advent of Electric Cars Is Already Improving Health” Lex Fridman, “417 – Kimbal Musk: The Art of Cooking, Tesla, SpaceX, Zip2, and Family” Diania Merriam on MHFI Episode 199 Mile High FI Facebook Group Doug’s site Carl’s blog: 1500 Days — Join the Mile High FI Club – It’s our 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 1500 Days, Carl’s Blog about Early Retirement Email us here: [email protected] or [email protected] 0:00 Introduction 4:41 Impressions of Culdesac 10:29 Thoughts on e-bikes & robot cars 17:29 Doug’s courageous battle with pink eye 22:51 Carl’s new fitness routine 31:20 The Facebook incident 38:59 Elizabeth’s retirement: From Skepticism to FIRE 45:49 Carl’s haircut 49:41 Soundcheck – EconoMe opening party

Doug and Carl (along with special guest co-host Georgie the dog) explore the concept of stealth wealth. Each provides their personal money story & how much work it took to arrive at their current position, the pros & cons of sharing one’s financial status with others, and how this knowledge impacts social interactions & relationships. They also discuss giving and helping others responsibly, using wealth to support people in meaningful ways rather than in response to direct requests for money. Save 50% site-wide on your new mattress, pillow, and bedding over at GhostBed (coupon code: MILEHIGHFI) Are you retired or wealthy and need someone to share this information with, free from any awkwardness or judgement? If so, head over to Buy Me A Coffee where you’ll find a safe place to share. Links CampFI Mr. Money Mustache FinCon EconoMe Conference “Mindy On Money” podcast Dan Sheeks/Sheeks Freaks Mile High FI Facebook Group Doug’s site Carl’s blog: 1500 Days — Join the Mile High FI Club – It’s our 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 1500 Days, Carl’s Blog about Early Retirement Email us here: [email protected] or [email protected] 0:00 Introduction 3:29 Carl’s money story: From anonymity to viral fame 7:28 Doug’s money story: Staying modest & hustling hard 13:27 Sharing your financial status 19:51 FI evangelism 29:42 Impact of wealth on social interactions & relationships 34:04 Navigating the corporate world 43:24 Generosity & giving back 50:07 Soundcheck – Apple hat

Doug and Carl visit Culdesac, a unique car-free rental apartment community in Tempe, AZ that redefines the typical American neighborhood by focusing on sustainability, communal living spaces, and alternative transportation options. The guys are joined by members of the FI community (including Pete Adeney (Mr. Money Mustache), Paula Pant, Brad Barrett, and Chad Carson) to discuss Culdesac with co-founder and CEO Ryan Johnson. The group explores Culdesac’s aims, design, how it represents a potential model for future urban planning, and concludes with a discussion on the importance & challenges of creating walkable, car-free communities. Pete also shares his personal experience living in this community to include the impact of car-free living on personal finance, happiness, and building community. Save 50% site-wide on your new mattress, pillow, and bedding over at GhostBed (coupon code: MILEHIGHFI) Not planning to move to Tempe, but still looking for community? If so, head over to Buy Me A Coffee to hang out with us. Links Culdesac Connect with Culdesac: Twitter/X Instagram Facebook LinkedIn TikTok Pete Adeney/Mr. Money Mustache Chad Carson Chad Carson, “The Small and Mighty Real Estate Investor” Kindle Paperback Audiobook Brad Barrett/ChooseFI Paula Pant/Afford Anything JD Roth/foldedspace “The Strong Towns” Podcast Mile High FI Facebook Group Doug’s site Carl’s blog: 1500 Days — Join the Mile High FI Club – It’s our 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 1500 Days, Carl’s Blog about Early Retirement Email us here: [email protected] or [email protected] 0:00 Introduction 4:18 Welcome to Culdesac 8:48 Car ownership and transportation alternatives 13:14 Demand for walkable neighborhoods 20:38 Influences & future plans fo...

In a follow-up to MHFI Episode 187 (Fitness Madness), Doug and Carl provide an update on how they’re progressing with their original fitness goals, discuss challenges they’ve faced along the way, provide dieting & workout tips, and discuss future plans. Carl speaks candidly about Attachment Disorder and the importance of mental health. Also, don’t miss out on new sponsor oFartsic by pVisor. Save 50% site-wide on your new mattress, pillow, and bedding over at GhostBed (coupon code: MILEHIGHFI) New “Sponsor” oFartsic: http://milehighfi.com/ofartsic Doug & Carl will be attending the EconoMe Conference in Cincinnati, OH on March 15-17, 2024. For those interested in attending, use the coupon code MILEHIGHFI at checkout to save 10%. https://economeconference.com/ Do you want lots of good stuff from Carl or really want that pickled asparagus? If so, come over and support us at Buy Me A Coffee. Links “Fitness Madness”, MHFI Episode 187 Tim Ferriss “Mind Pump” podcast Chris “The Indiana Jones of FI” on MHFI Episode 020 Alan Donegan Diania Merriam & the Hoffman Process on MHFI Episode 199 Hoffman Process “Dragon” Justin David Carl on MHFI Episode 204 EconoMe Conference Brad Barrett/ChooseFI Pete Adeney/Mr. Money Mustache Mile High FI Facebook Group Doug’s site Carl’s blog: 1500 Days — Join the Mile High FI Club – It’s our 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 1500 Days, Carl’s Blog about Early Retirement Email us here: [email protected] or [email protected] 0:00 Introduction 3:56 Recapping fitness goals & progress report 11:23 Reverse dieting 16:20 Fitness challenges 21:31 Protein tips 28:08 Importance of mental health 37:59 Future fitness goals 43:05 Weight loss vs. strength training 47:40 Workout injuries 54:16 Planning future check-ins 1:02:01 Soundcheck – Bar food

Doug and Carl catch up on a potpourri of topics including recent purchases, frugal hacks, investments, optimization, skepticism, and recent books & TV shows each have been consuming. They discuss over-optimizing & reevaluating perceptions in the areas of health & fitness and try to provide a balance by incorporating de-optimization. Carl also introduces a new investment strategy called the “reverse index fund” or “Hot Carl”. Save 50% site-wide on your new mattress, pillow, and bedding over at GhostBed (coupon code: MILEHIGHFI) Are you looking for more ingenious frugal hacks such as the Culver’s coupon scam? If so, head over to Buy Me A Coffee to find out more. Doug & Carl will be attending the EconoMe Conference in Cincinnati, OH on March 15-17, 2024. For those interested in attending, use the coupon code MILEHIGHFI at checkout to save 10%. https://economeconference.com/ Links EconoMe Conference The Peter Attia Drive Podcast Huberman Lab Huberman Lab supplements Tim Ferriss podcast, “Peter Attia, M.D. — Fasting, Metformin, Athletic Performance, and More (#398)” Goal Guys, “I Tried the Anti-Aging Diet for 90 Days” Tim Ferriss 4-hour books “The 4-Hour Workweek” Kindle Hardcover Paperback Audiobook “The 4-Hour Body” Kindle Hardcover Paperback Audiobook “The 4-Hour Chef” Hardcover Spiral-Bound CampFI JT on MHFI episode 110 Oliver Burkeman, “Four Thousand Weeks” Kindle Hardcover Paperback Audiobook Michael Easter, “The Comfort Crisis” Kindle Hardcover Audiobook Derek Sivers Tim Ferriss Podcast, “Rolf Potts – The Vagabond’s Way” Ramit Sethi Mile High FI Facebook Group Doug’...

Doug and Carl chat with Justin David Carl, a fitness, money, and life coach also known as Dragon. Justin shares his journey from being heavily in debt and out of shape to becoming financially independent and physically fit. He discusses the dramatic career changes he made, his discovery of the financial independence movement, and how coaching & accountability played a crucial role in his success. Additionally, Justin explains his coaching philosophy, ‘Fit Rich Life’, and the importance of setting clear goals, tracking progress, and surrounding oneself with people who share similar aspirations. Do you think our chosen spirit animals need a little work (flamingo & border collie)? If so, come help us find new ones at Buy Me A Coffee. Save 50% site-wide on your new mattress, pillow, and bedding over at GhostBed (coupon code: MILEHIGHFI) Doug & Carl will be attending the EconoMe Conference in Cincinnati, OH on March 15-17, 2024. For those interested in attending, use the coupon code MILEHIGHFI at checkout to save 10%. https://economeconference.com/ Links Contact Justin: Instagram Threads Twitter/X LinkedIn Fit Rich Life: Website & podcast Newsletter Coaching Free savings tracker Free 4-day workout Tim Ferriss podcast, “Mr. Money Mustache — Living Beautifully on $25-27K Per Year (#221)” Mr. Money Mustache, “The Shockingly Simple Math Behind Early Retirement” Tim Ferriss, “The 4-Hour Workweek” Kindle Hardcover Paperback Audiobook Tony Robbins “Awaken the Giant Within” Kindle Hardcover Paperback Audiobook Withings Scales JL Collins, “The Simple Path to Wealth” Kindle Hardcover Paperback Audiobook JL Collins, “Pathfinders” Kindle Hardcover Audiobook

Doug and Carl delve into the differences between being “rich” and being “wealthy”, discussing their own journeys to financial independence and the pivotal moments when they each felt rich and then wealthy. They reflect on pieces of financial advice, how to feel wealthy, reclaiming an abundance mindset from scarcity, and the importance of evaluating personal happiness. Both also share anecdotes about their life experiences, underscoring the inherent value in simplicity and their changing perceptions on spending as their net worth increased. Are you feeling wealthy, feeling rich, or craving simplicity? If so, then simply come on over and support us at Buy Me A Coffee. Save 50% site-wide on your new mattress, pillow, and bedding over at GhostBed (coupon code: MILEHIGHFI) Doug & Carl will be attending the EconoMe Conference in Cincinnati, OH on March 15-17, 2024. For those interested in attending, use the coupon code MILEHIGHFI at checkout to save 10%. https://economeconference.com/ Links Morgan Housel podcast Books by Morgan Housel “The Psychology of Money” Kindle Hardcover Paperback Audiobook “Same as Ever” Kindle Hardcover Paperback Audiobook EconoMe Conference Empower (formerly Personal Capital) Pete Adeney/Mr. Money Mustache JL Collins Blog Diania Merriam on MHFI Episode 199 CampFI Mile High FI Facebook Group Doug’s site Carl’s blog: 1500 Days — Join the Mile High FI Club – It’s our 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 1500 Days, Carl’s Blog about Early Retirement Email us here: [email protected] or [email protected] 0:00 Introduction 1:07 Rich vs wealthy defined 6:46 Illusion of wealth 12:33 Consumerism – experiences & experiments 20:32 Feeling rich 25:29 Feeling wealthy 30:49 Becoming comfortable with spending & feeling wea...

Doug and Carl chat with Kim Ehardt, a firefighter from Austin, Texas, who unknowingly achieved Barista FI through careful savings and an unconventional career path. Despite her financial status and ability to leave her current profession, Kim articulates a desire to shift focus from financial security alone to personal fulfillment, purpose, and happiness. Kim’s future plans include life coaching to help others achieve their goals and potentially even starting her own podcast. Do you have a desire to help others as well? If so, come on over and support us at Buy Me A Coffee. Save 50% site-wide on your new mattress, pillow, and bedding over at GhostBed (coupon code: MILEHIGHFI) Doug & Carl will be attending the EconoMe Conference in Cincinnati, OH on March 15-17, 2024. For those interested in attending, use the coupon code MILEHIGHFI at checkout to save 10%. https://economeconference.com/ Links Kim’s website Afford Anything Podcast, “#139: How I Save Half of My Income as a Firefighter, While Living in an Expensive City — with Kim E.” EconoMe Conference Matthew Walker, “Why We Sleep” Kindle Hardcover Paperback Audiobook Joe Dominguez, “Transforming Your Relationship With Money” Paperback Audiobook Audio CD Mile High FI Facebook Group Doug’s site Carl’s blog: 1500 Days — Join the Mile High FI Club – It’s our 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 1500 Days, Carl’s Blog about Early Retirement Email us here: [email protected] or [email protected] 0:00 Introduction 6:52 BaristaFI & finding FIRE 11:14 Financial peace 16:58 Firefighting & the pursuit of FI 26:16 The drive to succeed 34:09 Defining success 42:25 Challenges to FIRE ideology 49:07 Finding purpose through coaching 54:23 Impact of coaching & future plans 1:04:02 Soundcheck – Podcast motivations

Doug and Carl chat with JL Collins about the evolution of the FIRE movement, lifestyle inflation, “enough”, & envy as well as how diverse the FI community is (not exclusive to any particular income level or lifestyle). JL introduces his recent book, “Pathfinders”, which collects stories that demystify the process of achieving financial independence and highlights the different paths that people have taken, echoing the themes of intentional living and spending. Have you already found your “enough”? If so, then you’re welcome to share anything above & beyond with us over at Buy Me A Coffee. Save 50% site-wide on your new mattress, pillow, and bedding over at GhostBed (coupon code: MILEHIGHFI) Doug & Carl will be attending the EconoMe Conference in Cincinnati, OH on March 15-17, 2024. For those interested in attending, use the coupon code MILEHIGHFI at checkout to save 10%. https://economeconference.com/ Links (*Some affiliate links so we might earn a commission if you buy something) JL Collins Blog JL Collins Stock Series Books by JL Collins: “Pathfinders” Kindle Hardcover Audiobook “The Simple Path to Wealth” Kindle Hardcover Paperback Audiobook “How I Lost Money in Real Estate Before It Was Fashionable” Kindle Hardcover Paperback John Maynard Keynes, “The 15-Hour Week” Morgan Housel, “Same as Ever” Kindle Hardcover Paperback Audiobook Early Retirement Extreme Mr. Money Mustache FI Chautauqua EconoMe Conference Mile High FI Facebook Group Doug’s site Carl’s blog: 1500 Days — Join the Mile High FI Club – It’s our 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 q...

Doug and Carl celebrate the 200th episode of the Mile High FI podcast, reminiscing about the past while discussing future plans. Topics include: what they've learned, what they enjoy about podcasting, the many challenges they've faced, and goals & plans for 2024 and the next 100 episodes. Carl also discusses his new podcast with Mindy. Come celebrate 200 episodes with us over at Buy Me A Coffee. Save 50% site-wide on your new mattress, pillow, and bedding over at GhostBed (coupon code: MILEHIGHFI) Doug & Carl will be attending the EconoMe Conference in Cincinnati, OH on March 15-17, 2024. For those interested in attending, use the coupon code MILEHIGHFI at checkout to save 10%. https://economeconference.com/ Links “Mindy On Money” podcast Connect with Mindy Jensen: Email BiggerPockets Twitter/X EconoMe Conference Carl’s YouTube channel James Clear Derek Sivers Mark Manson Morgan Housel Morgan Housel on the Tim Ferriss podcast: “Morgan Housel — The Psychology of Money, Picking the Right Game, and the $6 Million Janitor (#576)” “Morgan Housel — Contrarian Money and Writing Advice, Three Simple Goals to Guide Your Life, Journaling Prompts, Choosing the Right Game to Play, Must-Read Books, and More (#702)” Pete Adeney/Mr. Money Mustache Descript (AI-Powered Video Editor) Mile High FI Facebook Group Doug’s site Carl’s blog: 1500 Days -- Join the Mile High FI Club – It’s our 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 1500 Days, Carl's Blog about Early Retirement Email us here: [email protected] or [email protected] 0:00 Introduction 3:18 Mindy On Money 5:58 What we’ve learned 13:25 What we like about podcasting 16:32 Future guest wishlist 23:03 What’s coming up for the podcast 28:43 Interview skills

Doug and Carl chat with Diania Merriam about big events in her life in 2024 (a wedding & the EconoMe conference), struggles with scarcity mindset/shifting to an abundance mindset, and how these mindsets have influenced her approach to wedding planning. Along the way she discusses her transformative experience at the Hoffman Process retreat, especially as it relates to spending. Diania also provides a preview of EconoMe, an overview of the conference goals, and highlights the importance of community on the path to financial independence. Not planning to attend EconoMe? You can still hang out with us virtually by heading over to Buy Me A Coffee. Save 50% site-wide on your new mattress, pillow, and bedding over at GhostBed (coupon code: MILEHIGHFI) Doug & Carl will be attending the EconoMe Conference in Cincinnati, OH on March 15-17, 2024. For those interested in attending, use the coupon code MILEHIGHFI at checkout to save 10%. https://economeconference.com/ Links EconoMe Conference EconoMe YouTube Channel Optimal Finance Daily Podcast The Summit of Greatness Skyline Chili Cincinnati DJ Natalie Jones Hoffman Process Diania at CampFI, “Unlocking the Abundance Mindset | A Paradigm Shift” Carl & Mindy on Ramit Sethi’s podcast Mr Money Mustache, “Frugal Man Buys $52,000 Car - Why?” Mad Fientist on MHFI Episode 176 Diania on Doug.Show Podcast Episode 323 The Hoffman Process discussions on Tim Ferriss podcast with Andrew Huberman & Blake Mycoskie (founder of TOMS Shoes) Mile High FI Facebook Group Doug’s site Carl’s blog: 1500 Days -- Join the Mile High FI Club – It’s our 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 1500 Days, Carl's Blog about Early Retirement Email us here: [email protected] or [email protected] 0:00 Introduction 1:17 Big 2024 events 6:58 Diania’s engagement story 16:16 Wedding planning & what it represents 24:47 Hoffman retreat & transition to spending money 31:55 Overcoming fear & embracing abundance 3...

Doug and Carl reflect on their paths to financial independence and discuss the advice they would have given their younger selves. Topics include college education/career paths, early savings, retirement account contributions, index fund investing, flexibility across different investments, strong work ethic, resilience, and of course... asparagus. Do you wish that your younger self found this podcast earlier in life? Well, you can't go back to the past, but there's still time to support us over at Buy Me A Coffee. Links Elon Musk University Bill Perkins, “Die With Zero” Morgan Housel, “Psychology of Money” Thomas J. Stanley, “The Millionaire Next Door” Sean Mullaney on MHFI Episode 114 Mile High FI Facebook Group Doug’s site Carl’s blog: 1500 Days -- Join the Mile High FI Club – It’s our 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 1500 Days, Carl's Blog about Early Retirement Email us here: [email protected] or [email protected] 0:00 Introduction 1:17 Education & alternate career paths 6:35 Carl’s first post-college job 10:29 Doug’s early career jobs 15:51 Early investing experiences 20:19 Rich vs. wealthy 25:25 Investment strategies & lessons 33:42 Importance of work ethic 38:07 Final thoughts & advice 42:05 Soundcheck - Hangover cure

Paula Pant and J.D. Roth join Doug at FinCon 2023 to discuss their unique sabbaticals. Paula details her year-long break from 'Afford Anything' to pursue a Columbia University fellowship, while J.D. shares his experience stepping away from finance writing to pursue art and Taoism. They both open up about the challenges of their time off and future plans while also providing tips for those considering a sabbatical. Are you currently on a sabbatical and need something to fill your time? If so, come hang out & support us over at Buy Me A Coffee. Links Paula Pant/Afford Anything Afford Anything YouTube Channel Afford Anything, “Your First Rental Property” Course JD Roth/foldedspace Get Rich Slowly YouTube Channel Samuel Johnson, “The Idler” Bertrand Russell, “In Praise of Idleness” “Idler” magazine Thich Nhat Hanh, “The Miracle of Mindfulness” “Tao Te Ching” Robert Putnam, “Bowling Alone: The Collapse and Revival of American Community” Carl Richards FinCon Mile High FI Facebook Group Doug’s site Carl’s blog: 1500 Days -- Join the Mile High FI Club – It’s our 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 1500 Days, Carl's Blog about Early Retirement Email us here: [email protected] or [email protected] 0:00 Introduction 3:27 Exploring the concept of idleness 7:34 Paula's sabbatical: Pursuing education & community 10:06 J.D.'s sabbatical: Embracing idleness & self-care 12:49 Paula’s sabbatical goals 16:50 The impact of community vs. isolation 22:13 Sabbatical push-back 26:58 J.D.’s sabbatical goals 29:43 Paula’s sabbatical challenges 36:03 J.D.’s sabbatical challenges 44:00 Paula’s advice for those considering a sabbatical 49:04 J.D.’s advice for those considering a sabbatical