How would your life change if you reached Financial Independence and got to the point where working is optional? What actions can you take today to make that not just possible but probable. Jonathan & Brad explore the tactics that the FI community uses to reclaim decades of their lives. They discuss reducing expenses, crushing debt, tax optimization, building passive income streams through online businesses and real estate and how to travel the world for free. Every episode is packed with ac ...
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FI + Choose | Clint Murphy | Episode 518
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Episode Summary Clint Murphy returns to ChooseFI, sharing his transformative journey labeled "FI and Choose," emphasizing the importance of choosing a lifestyle that values personal growth and meaningful connections. The hosts discuss their experiences at financial independence events, highlighting how these gatherings foster deep conversations tha…
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517 | Maximize Your Wealth: Understanding Capital Gains Tax Strategies | With Cody Garrett
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Maximize Your Wealth: Understanding Capital Gains Tax Strategies | With Cody Garrett This episode dives into the strategy of capital gains harvesting, explaining how it can help individuals minimize taxes on investments and potentially realize tax-free income. We break down how this approach fits into financial independence planning, including key …
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516 | Masterclass on Muscle Building | Dean Turner
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In this episode: building muscle for health, sacropenia, consistency and proper form, routines, and recovery. This episode is a deep dive into muscle-building strategies, with actionable advice for beginners and experienced fitness enthusiasts alike. Brad and Dean Turner share practical tips on workout programming, nutrition, and recovery, making i…
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515 | Cyber Security Update: Social Engineering & Pig Butchering
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In this episode: social engineering, pig butchering, cryptocurrency risks, scammer tactics, and avoiding being a victim. This week Brad speaks with cyber security expert Tom who will be giving some updates on the landscape of cybersecurity, what targeted scams look like, as well as some actionable steps you can take to avoid these scams. Though it …
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514 | The More I Tinker, The Worse it Gets | Jeremy Schneider
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In this episode: simplifying your financial life, Jeremy’s journey, dividend versus reinvesting, and automation. This week we are joined by Jeremy Schneider of Personal Finance Club and co-founder of Nectarine, where we will be discussing the beginnings of his personal investment journey and what that looks like now, striving for simplicity while a…
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513 | Make Your Own Dividend | Mailbag with Rachael
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In this episode: getting started early with FI, the 4% rule, retirement accounts, real estate, and safe withdrawal rates. This episode is packed with actionable information that can help with maximizing your financial future, from house hacking to Roth conversions, and strategies for living off your investments. Brad and Rachael dive into real-worl…
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512 | Getting Personal with Personal Finance | Ginger & Anne
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In this episode: downsizing, coastFI, redefining your goals, overcoming material attachments, and building community. This week Ginger is joined by community member Anne, to discuss her process of downsizing and navigating the physical and emotional attachments we associate with objects, places and people. Additionally, the pair discuss the importa…
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511 | Take the Next Step | Ginger Roundup
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In this episode: doing the hard things, travel rewards, the gap and the gain, health and wellness, and real estate. This week we are back with another listener Mail Bag featuring Ginger. Listen along as we cover a range of topics from recents trips we’ve taken, facing and overcoming challenges, The Gap and the Gain, taxes in retirement and a realis…
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510 | Real Estate 2024 Update | Scott Trench
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In this episode: the lock in effect, renting vs buying, househacking in 2024, interest rate, and real estate investment. In this episode, Scott Trench of BiggerPockets shares invaluable insights into the 2024 real estate market, breaking down everything from housing supply to interest rates, syndications, and investment strategies. Whether you’re a…
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509 | Getting Personal with Personal Finance | Ginger & Kim
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In this episode: surpriseFI, minimalism, frugality, emotional and psychological aspects of FI, and alternative lifestyles. We often get a lot of great ideas and questions from the FI community, and what better way to answer some as well as inspire than bring in one of our own to discuss their journey! In this special Friday episode, Ginger is joine…
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508 | 5% SWR, Revealed Preferences, and the 3 Stories | Frank Vasquez
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In this episode: 5% safe withdrawal rate, the three stories, psychology and personal finance, and community. In this insightful episode of the ChooseFI Podcast, Brad chats with Frank Vasquez, a well-known figure in the financial independence community and the voice behind Risk Parity Radio. They delve into Frank’s journey from a career in law to be…
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507 | Taking the Fear Out of Your Future | Ginger roundup
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In this episode: overcoming fears, the importance of community, community wins, reaching FI goals, and ripple effects. This week Brad is re-joined by Ginger for another installment of the round-up, where we will be discussing topics such as new 529 plans, the importance of making connections within your community, and actionable steps for overcomin…
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506 | ProjectionLab | Kyle Nolan
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In this episode: entrepreneurship, side hustles, overcoming fear, community, sharing and maintaining passion projects. This week we are joined by Kyle Nolan, creator and founder of ProjectionLab, where we will be discussing how he left his 9 to 5 to pursue a passion project, some of the challenges and realizations he’s faced while creating his soft…
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505 | Mailbag: Getting Started with FI, Debt vs. Investing, Dividends, 4% Includes Taxes?, Roth 401k | Rachael Camp
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In this episode: debt and investing, the 4% rule, Roth 401k and traditional 401k, and total return investing. This week we are back with a listener Mail Bag featuring returning guest Rachael Camp! Together, we will be answering questions and giving our feedback on nuanced topics asked by the community! Listen along for discussions about the 4 perce…
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504 | Visualizing Your Domino Effect | Devon
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This week on ChooseFI, Brad welcomes Devon, a 22-year-old National Guard member and aspiring mechanical engineer, to discuss the power of intentionality and personal finance! Together, Brad and Devon explore how small, deliberate actions can create a domino effect in shaping one's financial future. Devon shares his journey from joining the National…
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503 | Deep Dive: Roth IRA Conversion Ladder
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In this episode: Roth IRA conversion ladder, starting with the end in mind, investing for growth or stability, and retirement planning. While we have covered Roth IRA Conversion Ladders on ChooseFI before, we have never in the past taken such a deep dive into the subject like we do in this week's episode! Once again, we are joined by friend of the …
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502 | Making FI Fun Again | Roundup
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In this episode: travel rewards, frugality, companion passes, international travel, intentional spending, and listener questions. This week Brad is re-joined by Ginger as together they go back to basics during our returning round-up segment! This time around, the pair will be talking about recent travels and hacks they’ve used, travel rewards tips,…
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501 | It ALL worked. ALL of it. | Connie
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In this episode: travel rewards, IRA conversions, working with FAFSA, health insurance, and the FI journey. This week we are joined by community member and listener Connie to discuss the beginning of her FI journey, and the transformative steps she’s taken to further maximize her journey for her and her family. With so many resources available to l…
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500 | Choose Financial Independence Today
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In this episode: FI numbers, financial independence, approaching problems differently, and adjusting spending to accommodate FI. This week join our host Brad in celebrating 500 episodes of Choose FI, as he talks about the start of his FI journey, and highlights topics and episodes from the last few years. The path to FI isn’t just about simplifying…
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499 | Overcoming Limiting Beliefs | Jess - Fioneers
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In this episode: limiting beliefs, flipping the script, looking for evidence, empowering beliefs, and imposter syndrome. This week we are rejoined by Jessica from The Fioneers, to discuss the idea of limiting beliefs, from knowing how to identify and define them, to learning to work through and overcome them using her six strategy method. To put th…
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498 | The 6 Pillars of Health | Dr. Bobby Dubois
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In this episode, exercise, sleep, nutrition, mind body activities, social relationships, heat and cold exposure. This week we are joined by Dr. Bobby DuBois author and host of Live Long and Well podcast, where we will be discussing health optimization and wellness by deep diving into each of what he calls the 6 pillars: Exercise, Sleep, Nutrition, …
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497 | Your Social Security Questions Answered | Mike Piper
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In this episode: full retirement age, earnings, spousal benefits, survivor benefits, filing for benefits, and the earnings test. This week, Mike Piper joins the show to talk all things social security and answer listener questions that arose from our last social security related conversation back in episode 474! Whether it is discussing the full re…
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496 | Mailbag: Roth vs. Trad, $35k Roth to 529, Combining Finances | Rachael Camp
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In this episode: roth versus traditional IRA, second generation FI, FI and newlyweds, and retirement planning optimization. This week we are diving back into the listener Mail Bag with our returning guest Rachael Camp to answer questions from the community! Today we will be discussing the differences between Roth and Traditional IRAs and the future…
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495 | The Lazy Landlord | James Lowery
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In this episode: real estate, lazy landlording, attracting the right tenants, finding ideal situations, and traveling. This week we are joined by returning guest James Lowery to discuss his “lazy landlord” concept to streamline and simplify real estate investing as well as set processes in place that not only make your life easier as a landlord but…
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494 | Money is Your Best Form of Protest | Tori Dunlap
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In this episode: financial freedom, starting your own business, you can't sprint forever, buying vs renting, and investing. This week we are rejoined by host of Financial Feminist podcast and creator of Her First 100K, Tori Dunlap, to fill us in on her journey with FI over the last few years, discuss what financial equity and the importance of buil…
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