Catching Up to FI (Bill Yount & Jackie Cummings Koski)
Explore every episode of Catching Up to FI
| Pub. Date | Title | Duration | |
|---|---|---|---|
| 29 Oct 2023 | SpongeBob and Drawdown Strategies | Frank Vasquez | 044 | 01:50:46 | |
Frank Vasquez is a mostly retired lawyer with over 30 years' experience in investing for his own accounts. He holds degrees in Economics and Engineering from the California Institute of Technology and a law degree from Georgetown University. He is extremely active in the Financial Independence community, answering questions of all types in forums and Facebook groups. He has appeared as a guest on the Choose FI, What's Up Next and Security Analysis podcasts, and run workshops at the EconoMe Conference. His involvement in FI topics and issues predates the FI Community as it is known today. He is the founder and host of Risk Parity Radio, a laboratory or dive bar devoted to asset allocations for the DIY investor and drawdown portfolios. Thank you to our sponsors:
Resources mentioned on the show: (As an Amazon Associate, I earn from qualifying purchases.) Interview Notes for Frank Vasquez Histories of the FIRE Community Early Retirement Extreme With Jacob Lund Fisker Retirement Planning Education with Andy Panko Catching Up to FI Episode 022 with Jordan Grumet Liz Ann Sonders With Charles Schwab 📕 Cashing in on the American Dream: How to Retire at 35 by Paul Terhorst Catching Up to FI Episode 033 with Allan Roth A Wealth of Common Sense Blog with Ben Carlson Big Ern's Safe Withdrawal Rate Series 📗 The Little Book of Common Sense Investing by John Bogle Disclaimer: We are not lawyers, financial advisors, accountants or tax experts. Please consult your own professional advisors before making any important decisions. Our content is for entertainment and education purposes only. | |||
| 01 Sep 2024 | Doña Quixote, Life Energy, and The Coming of Aging | Vicki Robin | 94 | 00:57:58 | |
Join Bill and Jackie in an engaging conversation with Vicki Robin, co-author of the best-selling book 'Your Money or Your Life'. Vicki shares her insightful philosophy on financial independence, community resilience, and the power of frugality. She discusses her journey from active community building to aging with purpose on Whidbey Island, and how she has woven herself into the fabric of her local community. This episode delves into the thought-provoking aspects of spending life energy wisely, the importance of supportive communities, and the meaningful transition of knowledge and responsibility to younger generations. Tune in to learn how Vicki has managed to align her values with her financial and personal investments and gain inspiration from her lifelong exploration of living a fulfilled life.
Thank you to our sponsors:
Resources mentioned on the show: (As an Amazon Associate, I earn from qualifying purchases.) Disclaimer: Our content is for general education and information purposes only. We are not providing financial, legal, or tax advice. Always do your own research or consult a professional before making important decisions. | |||
| 04 Feb 2024 | What the (Insurance) Hack? | Chris Hutchins | 058 | 01:13:49 | |
Chris Hutchins is an experienced life hacker and financial optimizer. Chris chats with Bill and Becky about his treasure trove of hacks, bringing attention to ones that deal specifically with insurance. From auto to property, and term life to travel insurance, Chris shares valuable tips and insights on how to manage these policies more efficiently. Crucially, he maintains that you shouldn't have to compromise your lifestyle to ensure you're getting the most from your insurance policies. Whether you're an insurance novice or you think you've heard it all before, Chris offers a fresh and insightful perspective on how to hack your way to better insurance understanding and management. Thank you to our sponsors:
Resources mentioned on the show: Optimizing Your Insurance Policies (Auto, Home/Renters, Umbrella, Life, Disability, Pet, and Travel) Insurance Hacks Part 1 (Home/Auto/Liability/Pet) Insurance Hacks Part 2 (Life, Disability and Travel) Navigating Open Enrollment: Choosing the Best Health Insurance and Other Benefits in 2024 Rental Cars: Saving Money, Avoiding Fees and All the Secret Tricks Disclaimer: We are not lawyers, financial advisors, accountants or tax experts. Please consult your own professional advisors before making any important decisions. Our content is for entertainment and education purposes only. | |||
| 15 Oct 2023 | The Banes of Financial Independence | Camp FI Midwest Live | 042 | 00:51:52 | |
On this special addition of Catching Up to FI, we get to hear a live panel from CampFI Midwest 2023 hosted by Becky, Diania Merriam of Optimal Finance Daily, and Jordan Grumet of Earn & Invest. The hosts discuss the surprising and maybe not-so-fun sides of financial independence and how to work through them. We also hear personal stories from the panel's audience. Thank you to our sponsors:
Resources mentioned on the show: Optimal Finance Daily with Diania Merriam Disclaimer: We are not lawyers, financial advisors, accountants or tax experts. Please consult your own professional advisors before making any important decisions. Our content is for entertainment and education purposes only. | |||
| 22 Oct 2023 | Retire Often | Jillian Johnsrud | 043 | 01:11:44 | |
Jillian Johnsrud is the author of "Fire the Haters: Finding Courage to Create Online In a Critical World," a blogger at montanamoneyadventures.com, a podcaster at Everyday Courage and Retire Often, and a Life Coach. When Jillian and her husband married, they had $55,000 in debt. They also had big dreams: take mini-retirements, travel the world, and adopt children. In the last 21 years, they have paid off all their debt, traveled to 27 counties, lived abroad for 4 years, taken 12 mini-retirements, and adopted 4 kids (plus had 2 biological kids!). They paid cash for their very first home and bought 2 rental properties that they fixed up themselves. They have served on boards of nonprofits, mentored kids from tough situations, and volunteered in all sorts of roles. At 32, Jillian became financially independent. Now it’s her mission to help others build a life that perfectly lines up with their values, passion and purpose Thank you to our sponsors:
Resources mentioned on the show: Fire the Haters: Finding the Courage to Create Online in a Critical World by Jillian Johnsrud Catching Up to FI Episode 019 with Fritz Gilbert Catching Up to FI Episode 022 with Jordan Grumet Disclaimer: We are not lawyers, financial advisors, accountants or tax experts. Please consult your own professional advisors before making any important decisions. Our content is for entertainment and education purposes only. | |||
| 03 Dec 2023 | Single Player FI | Jennifer Mah | 049 | 01:13:15 | |
Jennifer Mah is an FI enthusiast, and you can find her wit and wisdom all over many FI social media channels. She is an administrator of the Afford Anything Facebook Group and is active in the Choose FI Community locally and worldwide. Her home base is in the San Diego area where she is an entrepreneurial financial coach at Your Money, Your Life Financial Coaching. Jen's services are designed to reduce anxiety and stress, help people take control of their money, and empower them to build the life that they want. Jen’s personal and money stories are moving to say the least. Bill and guest co-host Jackie Cummings Koski dive deep with Jen to explore the intersection of personal and financial trauma and inspirational resilience. Please be aware that some of the topics we discuss in today’s show can be triggering. It is with great pleasure that we welcome Jen to the Catching Up to FI Family! Thank you to our sponsors:
Resources mentioned on the show: Letters 2 My Daughter by Jackie Cummings Koski Your Money, Your Life Financial Coaching Die With Zero: Getting All You Can From Your Money and Your Life by Bill Perkins Disclaimer: We are not lawyers, financial advisors, accountants or tax experts. Please consult your own professional advisors before making any important decisions. Our content is for entertainment and education purposes only. | |||
| 17 Sep 2023 | Costa Rica FIRE or Bust! | Caroline Ceniza-Levine | 037 | 01:11:59 | |
Caroline Ceniza-Levine is one half of Costa Rica Fire. She and her husband, Scott (the other half), both grew up in New York City and have been married for 29 years. In their 20s and 30s, financial independence and early retirement were not at all on Scott and Caroline’s radar. They were focused on their jobs and raising their kids in New York City, but also starting to invest in real estate. After focusing on FIRE in their 40s, Scott and Caroline were both able to leave their corporate jobs, and now, in their 50s, they are empty nesters, traveling and splitting their time between New York City, Jacksonville, FL, and Tamarindo, Costa Rica. Thank you to our sponsors:
Resources mentioned on the show: The Risk Paradox: Life Lessons from 102 Amazing Risk-Takers by Alan Ying and Doug Schneider Disclaimer: We are not lawyers, financial advisors, accountants or tax experts. Please consult your own professional advisors before making any important decisions. Our content is for entertainment and education purposes only. | |||
| 10 Sep 2023 | Music Money Man | Cody Garrett | 035 | 01:23:11 | |
Cody Garrett, CFP, is a professional musician turned money man. He is the founder of the platform and financial advisory firm Measure Twice Financial. He is a prolific contributor to the financial independence movement. Among other things, we talk to him about vetting a financial advisor in an often confusing financial services industry. Enjoy the show! Thank you to our sponsors:
Resources mentioned on the show: Bigger Pockets Money with Mindy Jensen and Scott Trench Disclaimer: We are not lawyers, financial advisors, accountants or tax experts. Please consult your own professional advisors before making any important decisions. Our content is for entertainment and education purposes only. | |||
| 07 Sep 2023 | On the Road With Catching Up to FI | Mike's Journey | 034 | 00:33:21 | |
In this episode of On the Road with Catching Up to FI, Becky and guest co-host, Mark Trautman, talk candidly with a fellow traveler and recent retiree, Mike. They are all on an Alaskan Cruise with the Rock Retirement Club, founded by a previous guest on the show, Roger Whitney, The Retirement Answer Man. Thank you to our sponsors:
Resources mentioned on the show: IRMAA (income-related monthly adjustment amount) Disclaimer: We are not lawyers, financial advisors, accountants or tax experts. Please consult your own professional advisors before making any important decisions. Our content is for entertainment and education purposes only. | |||
| 20 Apr 2025 | International Educator, Bali FIRE | Amy Minkley | 137 | 00:54:41 | |
Amy Minkley is the founder of FI Freedom Retreats, a passion project that was born out of her love and gratitude for the F.I.R.E. (Financial Independence, Retire Early) movement and community. In this episode, she shares her journey to achieving financial independence (FI) while living in Bali, Indonesia. Amy gives us a glimpse into her lavish yet affordable lifestyle, spending only $30k a year. She details her frugal upbringing, early teaching career in Japan, and subsequent well-paid international teaching positions that allowed her to save aggressively. The episode also highlights Amy's contributions to the local Balinese community through the FI Freedom Retreats, aimed at educating and bringing together the FI community in Asia.
🌐 Visit Catching Up to FI website ☕ Like what you hear on Catching Up to FI? Support the show at "Buy Me a Coffee" 🎙️We love hearing from you! Record a Voice Message with your feedback or question Record a Voice Message with your feedback or question
===DEALS AND DISCOUNTS FROM OUR TRUSTED PARTNERS===
For a full list of current deals and discounts from our partners, sponsors and affiliates, click here: catchinguptofi.com/our-partners
RESOURCES MENTIONED ON THE SHOW: (As an Amazon Associate, I earn from qualifying purchases.) 📗Book: Your Money or Your Life (Vicki Robin & Joe Dominguez)
⏰ ‘Catching Up to FI’ Episodes Doña Quixote, Life Energy, and The Coming of Aging | Vicki Robin | 94 Enoughness: Your Life or Your Money | Vicki Robin | 95 Mr 4% is now Mr 5% | Bill Bengen | 111 Stories, Hacks, & Tribes | Brad Barrett | 021 Leaning Out: Cracking the Burnout Code | Dawn Baker | 119 Weathering Financial Storms | Kristen Knapp | 114 If you enjoyed this episode, please follow the show on your podcast player and leave us a rating or review. If you want to watch, be sure to subscribe to our YouTube Channel. This helps others find the show and keeps us creating great content for you!
⚠️Disclaimer: Our content is for general education and information purposes only. We are not providing financial, legal, or tax advice. Always do your own research or consult a professional before making important decisions. | |||
| 30 Apr 2023 | Fast Times & Caddyshack | Mark Trautman | 012 | 01:01:09 | |
Mark Trautman is a community member, he was a caddy, a valet, and a mutual fund manager for 25 years and retired early at 50. He lives off his portfolio and in Crested Butte, CO. Mark lost his lovely wife to cancer two years ago. He is a financial whiz and takes us on his personal and money journey dropping knowledge bombs the entire show. From Tigger backpacks to Coca-Cola compounding to 529s you'll hear much about Mark's Money Mind! Don't miss this one. Thank you to our sponsors:
Resources mentioned on the show: Mr. Money Mustache's "The Shockingly Simple Math to Early Retirement" After the Death of Your Spouse: Next Financial Steps for Surviving Spouses by Mike Piper Die With Zero: Getting All You Can From Your Money and Your Life by Bill Perkins Stacked: Your Super-Serious Guide to Modern Money Management by Joe Saul-Sehy and Emily Guy Birken The Millionaire Next Door: The Surprising Secrets of America's Wealthy by Thomas J. Stanley Disclaimer: We are not lawyers, financial advisors, accountants or tax experts. Please consult your own professional advisors before making any important decisions. Our content is for entertainment and education purposes only. | |||
| 23 Jun 2024 | Can Prenups Really Save Your Marriage? | Aaron Thomas | 082 | 00:59:04 | |
Meet Aaron Thomas, an attorney, founder of Prenups.com, and author of the book "The Prenup Prescription." In perfect time for wedding season, Aaron chats with Bill and Jackie about how a proper prenup can not only protect but improve your relationship. As a former divorce attorney who helped hundreds of clients secure favorable settlements, Aaron shares his expert advice on how to build healthy, successful marriages founded on transparency and communication through loving and fair pre- and post-nups. Thank you to our sponsors:
Catching Up to FI will be compensated by Nectarine if you use our affiliate link, which creates an incentive and conflict of interest. We are not current clients or employees of Nectarine. Resources mentioned on the show: As an Amazon Associate we earn from qualifying purchases. The Prenup Prescription: Meet the Premarital Contract Designed to Save Your Marriage by Aaron Thomas Disclaimer: We are not lawyers, financial advisors, accountants or tax experts. Please consult your own professional advisors before making any important decisions. Our content is for entertainment and education purposes only. | |||
| 08 Dec 2024 | Say Cheese!: The Retirement Spending Smile | David Blanchett | 110 | 00:49:21 | |
Today Bill and Jackie are joined by another genius in the world of retirement planning research, David Blanchett, PhD, CFA, CFP. In his role at PGIM, David is responsible for Target Date Funds and Retirement Spending Portfolios. In this episode he discusses redefined retirement concepts, the myths surrounding the 60/40 portfolio and some practical adjustments of the 4% rule. He also explains the 'retirement spending smile,' and retirement strategies for late starters.
Thank you to our sponsor:
Resources mentioned on the show: A Time-Honored Strategy Puts Your Retirement at Risk of Financial Ruin Guided Spending Rates: Rethinking “Safe” Initial Withdrawal Rates Redefining the Optimal Retirement Income Strategy
If you enjoyed this episode, please follow the show on your podcast player and leave us a rating or review. If you want to watch, be sure to subscribe to our YouTube Channel. This helps others find the show and keeps us creating great content for you!
Disclaimer: Our content is for general education and information purposes only. We are not providing financial, legal, or tax advice. Always do your own research or consult a professional before making important decisions. | |||
| 07 Jan 2024 | Social Security Made Simple | Mike Piper | 054 | 01:28:15 | |
Mike Piper, author of the book, "Social Security Made Simple", helps Bill and Becky navigate through the many nuances of Social Security. They discuss everything from claiming strategies to survivor benefits as well as taxation and the implications of delaying benefits. Mike sheds light on the often overlooked aspect of spousal benefits, emphasizing that delaying your benefits can help boost the household income for as long as either spouse is alive. The team also explores the complications that can arise from differing ages and earning histories of spouses. Mike has numerous helpful resources available at his blog, Oblivious Investor, that simplify how Social Security works and how individuals can make informed decisions about when to file for benefits. Whether you're single, married, or thinking about retirement planning, this episode offers important insights to help you understand and maximize your Social Security benefits. Thank you to our sponsors:
Resources mentioned on the show: (As an Amazon Associate, I earn from qualifying purchases.) Disclaimer: We are not lawyers, financial advisors, accountants or tax experts. Please consult your own professional advisors before making any important decisions. Our content is for entertainment and education purposes only. | |||
| 16 Feb 2025 | Banishing The Burden of Student Loan Debt | Travis Hornsby | 122 | 01:07:26 | |
We're pulling back the curtain on student loans with expert and founder of Student Loan Planner, Travis Hornsby. Initially impacting younger borrowers, the student loan crisis now affects those in their 40s, 50s, and even 60s. The balances are getting bigger, lasting longer and rules are becoming more complex! It can be confusing, but this episode will give you clarity and help you tackle your student loan challenges head-on. We explore smart repayment strategies, student loan forgiveness, the impact of current and future government policies and more.
🌐 Visit Catching Up to FI website ☕ Like what you hear on Catching Up to FI? Support the show at "Buy Me a Coffee" 🎙️We love hearing from you! Record a Voice Message with your feedback or question Record a Voice Message with your feedback or question
=== THANK YOU TO OUR SPONSOR === 📈 Boldin (formerly NewRetirement) is our newest sponsor! Boldin is retirement planning software that's like having a financial advisor at your fingertips. With Boldin, you can: ✅ Track your savings ✅ Get personalized retirement advice based on your goals ✅ Explore investment options to grow your wealth ✅ And create a strategy that’s built for your unique needs You can get started with the free version or choose the premium option (PlannerPlus) and get a 14-day free trial. Be sure to use this link to get started: Go.boldin.com/catchingup
For a full list of our partners, sponsors and affiliates, click here: catchinguptofi.com/our-partners
Resources mentioned on the show: 💵Discount for Student Loan Planner consultation Flat fee is normally $595, but after your $100 off ‘Catching Up to FI’ discount, it's $495. 👉🏼 Be sure to use this link: link 🌐 Student Loan Planner website 🎙️Student Loan Planner podcast 🗣️Travis' talk at EconoMe 2020
If you enjoyed this episode, please follow the show on your podcast player and leave us a rating or review. If you want to watch, be sure to subscribe to our YouTube Channel. This helps others find the show and keeps us creating great content for you!
Disclaimer: Our content is for general education and information purposes only. We are not providing financial, legal, or tax advice. Always do your own research or consult a professional before making important decisions. | |||
| 30 Mar 2025 | 72(t) Expert Tells All: No More Secrets About Early Withdrawals (Part 1) | Bill Stecker | 131 | 00:59:59 | |
One of the most frequent questions we get about retiring early is: 'How do I get money out of my retirement accounts before age 59.5, without paying the 10% penalty'? This episode answers that question and more with CPA and 72(t) expert, Bill Stecker. Bill is the founder of The Marble Group which specializes in federal income taxes and early retirement distributions. He's also the brilliant mind behind the website '72tcalc', hands down the most comprehensive resource we've found specifically focusing on 72(t)s. Cohost Jackie knows because she set up her own substantially equal periodic payments (SEPP) using IRS rule 72(t) in 2024 and will share some details of her first-hand experience. If you've been fearful and confused about how 72(t)s work, fear no more! In this episode, we thoroughly break down everything you need to know in a way you've never heard before. We also discuss more than a dozen other ways the IRS allows you to legally avoid federal tax penalties for early withdrawals from your retirement accounts. To make sure we did this topic justice, we turned it into a 2-part series. This is part 1, and part 2 will be released next week; both packed with valuable insights and practical tips for anyone considering early retirement.
⚠️ Clarifications from this episode: IRS ‘Rule of 50’ for public safety workers who retire after age 50 are exempt from the 10% early distribution penalty. It does include EMTs (Emergency Medical Technicians), however, it does not include all doctors and nurses (see IRS code linked below or read this article). For medical expenses, the 10% early withdrawal penalty can be waived without itemizing your deductions if the amount of unreimbursed medical expenses is more than 7.5% AGI. (see IRS code linked below or read this article).
☕ Like what you hear on Catching Up to FI? Support the show at "Buy Me a Coffee" 🎙️We love hearing from you! Record a Voice Message with your feedback or question Record a Voice Message with your feedback or question
=== THANK YOU TO OUR SPONSOR === 📈 Boldin (formerly NewRetirement) is our newest sponsor! Boldin is retirement planning software that's like having a financial advisor at your fingertips. You can get started with the free version or choose the premium option (PlannerPlus) and get a 14-day free trial. Be sure to use this link to get started: Go.boldin.com/catchingup For a full list of our partners, sponsors and affiliates, click here: catchinguptofi.com/our-partners
RESOURCES MENTIONED ON THE SHOW: Free consultation with Bill Stecker’s Firm- The Marble Group email: themarblegroup@wispertel.net Phone: (312) 361-0221 Jackie’s review of 72tcalc.com website Most recent IRS list of exceptions to 10% tax penalty on early withdrawals IRS Tax Code 72(t)- Substantially Equal Periodic Payments (SEPP) IRS Single Life Table- Effective 1/1/2022 IRS website with the listing of recent interest rates (120% of Applicable Federal Midterm Rate) Rule 72(t) Example- Eric Cooper Rule 72(t) Example- Dare to Draw Down
📱72(t) CALCULATORS
If you enjoyed this episode, please follow the show on your podcast player and leave us a rating or review. If you want to watch, be sure to subscribe to our YouTube Channel. This helps others find the show and keeps us creating great content for you!
⚠️Disclaimer: Our content is for general education and information purposes only. We are not providing financial, legal, or tax advice. Always do your own research or consult a professional before making important decisions. | |||
| 30 Jul 2023 | Strippin’ & Tippin’ | Barbara Sloan | 026 | 01:10:09 | |
Barbara Sloan founded the Tipped Finance Platform and is the author of "Tipped: The life-changing guide to financial freedom for waitresses, bartenders, strippers, and other service industry professionals". Her life story is incredible and inspirational. She once lived in her car, danced for dollars, and definitely did not graduate from college. She now owns a multi-million dollar construction company in New York, and is also a personal finance expert and a money coach. Barbara is as brazenly brave, honest, resourceful, and transparent as any person that I have ever met. She is also, like many of us, a late starter. Thank you to our sponsors:
Resources mentioned on the show: Disclaimer: We are not lawyers, financial advisors, accountants or tax experts. Please consult your own professional advisors before making any important decisions. Our content is for entertainment and education purposes only. | |||
| 09 Mar 2025 | Bouncing Back from Financial Setbacks | Lynnette Khalfani-Cox | 125 | 01:04:16 | |
Lynnette Khalfani-Cox (also known as 'The Money Coach') is an icon in the financial media and financial education space. She is the author of 16 money-management books, including the New York Times bestseller ‘Zero Debt: The Ultimate Guide to Financial Freedom’. Lynette joins us on this episode to share some of the big takeaways from her latest book 'Bounce Back', offering practical and emotional guidance for those recovering from financial setbacks. She guides us on how to take on―and defeat―the most common and difficult challenges most of us face, like being downsized from a job, disasters, debt, divorce, discrimination, and more. Lynette also gets vulnerable with us, sharing her emotional stories about dealing with her own divorce and the death of her sister.
🌐 Visit Catching Up to FI website ☕ Like what you hear on Catching Up to FI? Support the show at "Buy Me a Coffee" 🎙️We love hearing from you! Record a Voice Message with your feedback or question Record a Voice Message with your feedback or question
=== THANK YOU TO OUR SPONSOR === 📈 Boldin (formerly NewRetirement) is our newest sponsor! Boldin is retirement planning software that's like having a financial advisor at your fingertips. With Boldin, you can: ✅ Track your savings ✅ Get personalized retirement advice based on your goals ✅ Explore investment options to grow your wealth ✅ And create a strategy that’s built for your unique needs You can get started with the free version or choose the premium option (PlannerPlus) and get a 14-day free trial. Be sure to use this link to get started: Go.boldin.com/catchingup
For a full list of our partners, sponsors and affiliates, click here: catchinguptofi.com/our-partners
Resources mentioned on the show: (As an Amazon Associate, I earn from qualifying purchases.) 📕Bounce Back: The Ultimate Guide to Financial Resilience 📗The Bounce Back Workbook: The Interactive Companion Guide to Bounce Back CNBC Make It: How I Achieved The Perfect Credit Score — Here's The Magic Formula I Used
Charity: Big Sister Little Sister of Houston
Charity: Electus Global Education (Life Hub)
If you enjoyed this episode, please follow the show on your podcast player and leave us a rating or review. If you want to watch, be sure to subscribe to our YouTube Channel. This helps others find the show and keeps us creating great content for you!
Disclaimer: Our content is for general education and information purposes only. We are not providing financial, legal, or tax advice. Always do your own research or consult a professional before making important decisions. | |||
| 01 Oct 2023 | How to Think About Money | Jonathan Clements | 040 | 01:20:45 | |
Jonathan Clements is the founder and editor of the personal finance website HumbleDollar and author of nine personal finance books. Earlier in his career, Jonathan spent almost 20 years at The Wall Street Journal, where he was the newspaper's personal finance columnist, and six years at Citigroup, where he was director of financial education for the bank's U.S. wealth management arm. Jonathan about covers topics from two of his books: "How to Think About Money" and his most recent book "My Money Journey: How 30 People Found Financial Freedom – And You Can Too." Note that one journey described in this book is that of a person who “makes a comeback in midlife”. Thank you to our sponsors:
Resources mentioned on the show: Saving Our Retirement by Bill Yount How to Think About Money by Jonathan Clements My Money Journey: How 30 People Found Financial Freedom - And You Can Too by Jonathan Clements What is the Easterlin paradox? Catching Up to Fi Episode 039 with Mark Trautman Catching Up to FI Episode 019 with Fritz Gilbert Catching Up to FI Episode 022 with Jordan Grumet Disclaimer: We are not lawyers, financial advisors, accountants or tax experts. Please consult your own professional advisors before making any important decisions. Our content is for entertainment and education purposes only. | |||
| 21 Sep 2023 | On the Road With Catching Up to FI | Stacey's Journey | 038 | 01:01:09 | |
For our last installment of On the Road with Catching Up to FI, Becky and co-host Mark chat with Stacey, a (p)retired fellow traveler and member of the Rock Retirement Club. Stacey graciously opens up about the challenges of moving, caring for an aging parent, and being a widow while on the path to FI. Thank you to our sponsors:
Resources mentioned on the show: The Retirement Answer Man Show Disclaimer: We are not lawyers, financial advisors, accountants or tax experts. Please consult your own professional advisors before making any important decisions. Our content is for entertainment and education purposes only. | |||
| 21 May 2023 | Birthdays, Funerals, Cars & More Cars | Bill Yount & Becky Heptig | 015 | 00:14:22 | |
Bill & Becky chit-chat about what is going on in their lives this week. This week we had birthdays, funerals, and car trauma. Life throws us curve balls. It surprises us with joy, sorrow, and challenges. Time is fragile and not guaranteed. As humans and late starters, we are incredibly resilient, adaptive, and resourceful. We are here not just to survive, but to thrive together. Thank you to our sponsors:
Disclaimer: We are not lawyers, financial advisors, accountants or tax experts. Please consult your own professional advisors before making any important decisions. Our content is for entertainment and education purposes only. | |||
| 09 Feb 2025 | Attorney Spilling all the Legal Tea on Estate Planning | Jenny Rozelle | 121 | 01:03:39 | |
Attorney Jennifer (Jenny) Rozelle joins us to unravel the complexities of estate planning and help you get your estate plans in order. In this episode she covers the essentials- healthcare directives, probate, wills, beneficiaries, trusts and more. She's a lawyer with a sense of humor and sprinkles in her special blend of wit and wisdom to liven up a topic that many people try to avoid. She also shares cautionary tales, current trends, and celebrity mishaps that she often talks about on her podcast, "Legal Tea". #DoYourEstatePlan
=== NEW SPONSOR === 📈 Boldin (formerly NewRetirement) is our newest sponsor! Boldin is retirement planning software that's like having a financial advisor at your fingertips. With Boldin, you can: ✅ Track your savings ✅ Get personalized retirement advice based on your goals ✅ Explore investment options to grow your wealth ✅ And create a strategy that’s built for your unique needs You can get started with the free version, or choose the premium option (PlannerPlus) and get a 14-day free trial. Be sure to use this link to get started: Go.boldin.com/catchingup
For a full list of our partners, sponsors and affiliates, click here: catchinguptofi.com/our-partners
Resources mentioned on the show: (As an Amazon Associate, I earn from qualifying purchases.) 🎙️Legal Tea podcast episode #174 (Estate Tax Planning Post-Trump Reelection) n Jenny’s talk at Bogleheads 2024
If you enjoyed this episode, please follow the show on your podcast player and leave us a rating or review. If you want to watch, be sure to subscribe to our YouTube Channel. This helps others find the show and keeps us creating great content for you!
Disclaimer: Our content is for general education and information purposes only. We are not providing financial, legal, or tax advice. Always do your own research or consult a professional before making important decisions. | |||
| 03 Nov 2024 | Tennis and the Stock Market: Winning the Loser's Game | Disha Spath | 104 | 01:07:46 | |
By day, Dr. Disha Spath is an internist caring for her patient’s physical and mental health. By night, my she's known as The Frugal Physician and hosts the Finding Financial Freedom podcast. In this episode, Disha shares her personal journey from financial struggles to becoming an advocate for frugality and financial independence. She also discusses the differences between frugal and cheap, the gender wage gap, and strategies to manage income disparities in relationships. *Trigger warning: There are brief mentions of suicide in this episode.
Thank you to our sponsors:
Resources mentioned on the show: (As an Amazon Associate, I earn from qualifying purchases.) Finding Financial Freedom Podcast SPIVA® U.S. Scorecard, Year-End 2023, S&P Dow Jones Indices “The Loser’s Game” by Charles D. Ellis, Financial Analysts Journal, Jan/Feb, 1995 “Why Lifestyle Creep is Mostly a Myth” by Nick Maggiulli, Of Dollars And Data, July 23,2024 “She makes $550K a year. Her husband makes $60K. Here is how it affects her relationship”, July 25, 2024, CNBC
Disclaimer: Our content is for general education and information purposes only. We are not providing financial, legal, or tax advice. Always do your own research or consult a professional before making important decisions. | |||
| 16 Jul 2023 | F-You Money Part 2 | JL Collins | 024 | 01:11:51 | |
Bill & Becky continue their chat with THE JL Collins, author of THE Simple Path to Wealth and the acclaimed "Godfather of FI". We began the last episode with JL Collins playing John Goodman in the "Why you need F-You Money" clip. We start this episode with "A Guided Meditation for When the Stock Market is Dropping". JL helps us answer many questions. What do we do when the stock market drops? What about international diversification? What about dollar cost averaging a lump sum into the market? Tune in! Just like the old EF Hutton commercial, "When JL Collins talks, people listen!" :) Thank you to our sponsors:
Resources mentioned on the show: A Guided Meditations for When the Stock Market is Dropping How I Lost Money in Real Estate Before it was Fashionable: A Cautionary Tale by JL Collins VTSAX, Vanguard's Total Stock Market Index Fund VBTLX, Vanguard's Total Bond Market Index Fund How I Failed My Daughter and a Simple Path to Wealth Disclaimer: We are not lawyers, financial advisors, accountants or tax experts. Please consult your own professional advisors before making any important decisions. Our content is for entertainment and education purposes only. | |||
| 19 Jan 2025 | Retirement Remix: Crafting Financial Futures with Purpose | Christine Benz | 117 | 00:46:13 | |
In this episode we welcome back Christine Benz, director of personal finance and retirement planning for Morningstar. Christine is one of the most respected thought leaders on the topic of retirement and shares insights from her new book, 'How to Retire'. We discuss the importance of preparing for retirement well in advance, building social networks, the significance of diversity in relationships, and more. Today's show is packed with valuable advice and a must listen for anyone approaching or in retirement.
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For a full list of our partners, sponsors and affiliates, click here: catchinguptofi.com/our-partners
Resources mentioned on the show: (As an Amazon Associate, I earn from qualifying purchases.) 📗Order "How to Retire: 20 lessons for a happy, successful, and wealthy retirement" on Amazon John C. Bogle Center for Financial Literacy Bogleheads Conference 2023 - Jordan Grumet on Living without Regrets
Catching Up to FI Episodes mentioned: The Life and Death of The 4% Rule | Christine Benz | 077 Social Security Made Simple | Mike Piper | 054 Mom and Dad, We Need to Talk | Cameron Huddleston | 048 How to Think About Money | Jonathan Clements | 040 Purpose, Identity, & Connection | Jordan Grumet | 022 Hard & Soft Sides of Retirement | Fritz Gilbert | 019 Say Cheese!: The Retirement Spending Smile | David Blanchett | 110 F-You Money Part 1 | JL Collins | 023 F-You Money Part 2 | JL Collins | 024 Pathfinders: Stories of Success and Financial Independence | JL Collins | 069 Pathfinders: Triumphs and Trials on the Road to Financial Independence | JL Collins | 070 Jennifer Rozelle (coming in February 2025)
If you enjoyed this episode, please follow the show on your podcast player and leave us a rating or review. If you want to watch, be sure to subscribe to our YouTube Channel. This helps others find the show and keeps us creating great content for you!
Disclaimer: Our content is for general education and information purposes only. We are not providing financial, legal, or tax advice. Always do your own research or consult a professional before making important decisions. | |||
| 24 Dec 2023 | Bigger Pockets Money | Mindy Jensen & Scott Trench | 052 | 01:00:14 | |
Happy Holidays from the Catching Up to FI team! Please enjoy this episode where Bill and Becky share their financial stories with Mindy Jensen and Scott Trench of Bigger Pockets Money, their most listened to episode! Thank you to our sponsors:
Resources mentioned on the show: Die With Zero: Getting All You Can From Your Money and Your Life by Bill Perkins Set for Life: Dominate Life, Money, and the American Dream by Scott Drench Disclaimer: We are not lawyers, financial advisors, accountants or tax experts. Please consult your own professional advisors before making any important decisions. Our content is for entertainment and education purposes only. | |||
| 25 Dec 2024 | FINCON Jeopardy | Justin Peters, Joel Larsgaard & Justin Brown-Woods | 113 | 01:01:37 | |
We love games so today we're bringing you a podcast takeover and having some fun with 'Money Jeopardy'! This was recorded live at FinCon 2024 (a conference for personal finance content creators) with 'The Struggle is Real' podcast, hosted by our friend Justin Peters. He’s joined by Jackie Cummings Koski (your co-host on 'Catching Up to FI'), Joel Larsgaard from 'How to Money' and Justin Brown-Woods from 'Price of Avocado Toast' to play! The contestants will be choosing questions from 4 categories:
We weigh in on some serious topics like: Is Couponing Worth it, Using Your Old Student ID for Discounts, Weirdest Way You’ve Made Money, and more. You will chuckle and laugh throughout this whole conversation, but you’ll also pick up tips and tricks along the way.
Thank you to our sponsor:
Resources mentioned on the show: As an Amazon Associate, I earn from qualifying purchases.) The Struggle is Real (Justin Peters) Catching Up to FI (Jackie Cummings Koski) 📕 F.I.R.E. For Dummies ~ Jackie Cummings Koski 👉🏻 https://amzn.to/3BInEgu Price of Avocado Toast (Justin Brown-Woods)
If you enjoyed this episode, please follow the show on your podcast player and leave us a rating or review. If you want to watch, be sure to subscribe to our YouTube Channel. This helps others find the show and keeps us creating great content for you!
Disclaimer: Our content is for general education and information purposes only. We are not providing financial, legal, or tax advice. Always do your own research or consult a professional before making important decisions. | |||
| 07 Mar 2024 | On the Road With Catching Up to FI | $lackers Part 2 | 064 | 00:53:44 | |
To wrap up this installment of On the Road with Catching up to FI, Becky and Mark chat with Vince and Briana from their $lackers group. Vince discusses his transition to retirement and Briana sheds light on how she's preparing for her future while still working full-time. Thank you to the $lackers for sharing your stories with us! Thank you to our sponsors:
Resources mentioned on the show: Roger Whitney Disclaimer: We are not lawyers, financial advisors, accountants or tax experts. Please consult your own professional advisors before making any important decisions. Our content is for entertainment and education purposes only. | |||
| 13 Oct 2024 | Wanderlust and Wealth: A Nomadic Guide to FI | Cris Gawlik | 101 | 01:15:45 | |
Cris Gawlik sold all her possessions in 2019 to travel the world, and in this episode she shares her fascinating nomadic journey. Learn how she utilizes geo-arbitrage, manages her finances on the go, and maintains strong social connections across the globe. She gives us insights into how she handles banking, health insurance, and taxes while living internationally. This conversation provides a comprehensive guide for those considering a similar path to financial independence. Get inspired by her creative approach to generating income and the community she finds along her adventurous journey.
Thank you to our sponsor:
Hands-free subscription service that removes you from data broker sites. Enter the code Catchingup at checkout to get 20% off: http://joindeleteme.com/catchingup
Resources mentioned on the show: (As an Amazon Associate, I earn from qualifying purchases.) Website https://christinagawlik.wixsite.com/asuitcaseandasmile
https://www.facebook.com/asuitcaseandasmile
Linktree https://linktr.ee/ChristinaGawlik
IRS Foreign earned income exclusion https://www.irs.gov/individuals/international-taxpayers/foreign-earned-income-exclusion
🕒 Timestamps/Chapters: 00:00 Why I Chose to Leave the U.S. 00:38 Designing a Life Abroad 02:18 Welcome to Catching Up to FI 03:19 Introducing Dr. Christina Gawlik 04:34 Chris's Nomadic Lifestyle 08:01 Early Life and Influences 13:47 Financial Missteps and Lessons Learned 22:03 Transition to a Nomadic Life 32:31 Building a Business on the Road40:10 Creative Job Hunting Strategies 41:29 Navigating Logistics as a Digital Nomad 41:52 Banking Tips for Global Travelers 46:16 Overcoming Language Barriers 48:16 Health Insurance and Medical Care Abroad 57:48 Handling Taxes as an Expat 59:32 Social Life and Loneliness 01:02:50 Impact of COVID-19 on Nomadic Life 01:06:12 Future Plans and Reflections
Disclaimer: Our content is for general education and information purposes only. We are not providing financial, legal, or tax advice. Always do your own research or consult a professional before making important decisions. | |||
| 22 Jan 2025 | Taking it to the Streets: Best Pro Tips for Late Starters | FinCon Attendees | 118 | 00:12:09 | |
In this episode, we're taking it to the streets of Atlanta, GA where the 2024 FinCon took place. FinCon is the largest (and funnest) conference for independent content creators in the personal finance space. We wish you could have been there but since we couldn't bring our audience to FinCon, we're bringing a little FinCon to you. We chatted with some of them and asked the big question: "What is your best tip for late starters?"
Huge thanks to our fellow content creators that contributed their valuable tips! (As an Amazon Associate, I earn from qualifying purchases.)
Gwen Merz (Firey Millennials)
Rocky Lalvani (Profit Comes First)
Heather Phillips (Tiller) 🌐 Tiller
Fritz Gilbert (Retirement Manifesto) Podcast Episode: Hard & Soft Sides of Retirement | Fritz Gilbert | 019 📗 Keys to a Successful Retirement: Staying Happy, Active, and Productive in Your Retired Years Buy👉🏻 https://amzn.to/4g31kMr
Diania Merriam (EconoMe Conference) Podcast Episode: Find Your Camino | Diania Merriam | 029
Skyler Fleming (Money Talk with Skyler Fleming) 🌐 Money Talk with Skyler Fleming
Sean Mullaney (The FI Tax Guy) Podcast Episodes: Year End Tax Planning | Sean Mullaney | 045 Life & Taxes | Sean Mullaney | 013
Doug Nordman aka Nords (Military Financial Independence) 🌐 Military Financial Independence Podcast Episode: Catching the Wave to FI | Doug Nordman & Carol Pittner | 067 📗Raising Your Money-Savvy Family For Next Generation Financial Independence Buy👉🏻 https://amzn.to/4jpGLNs 📕Military Guide to Financial Independence and Retirement Buy👉🏻 https://amzn.to/40DVrRt Larry Tuch (The Abundant Wallet)
Crystina Cardozo (Run the Numbers)
Avanti Shetye (Wealthwyzr)
Aseefa Ismail (Balanced Checkbook)
Marvá Morrow
If you enjoyed this episode, please follow the show on your podcast player and leave us a rating or review. If you want to watch, be sure to subscribe to our YouTube Channel. This helps others find the show and keeps us creating great content for you!
Disclaimer: Our content is for general education and information purposes only. We are not providing financial, legal, or tax advice. Always do your own research or consult a professional before making important decisions. | |||
| 23 Jul 2023 | Retiring Before Mom & Dad | Rob Berger | 025 | 01:27:51 | |
Rob Berger wears many hats, he is a deputy editor at Forbes, an investor, lawyer, personal finance blogger, and YouTuber. He founded the popular website Doughroller.net. We discuss his book "Retire Before Mom & Dad: The Simple Numbers Behind a Lifetime of Financial Freedom." The difference here is that we are mom and dad! He recently published a video on his YouTube channel called "50+ and Haven't Saved for Retirement? Here's What To Do." He gave our show a shout-out in the same breath as Mr. Money Mustache and Choose FI! We reached out to him and he did not hesitate to join us today on Catching Up to FI. Thank you to our sponsors:
Resources mentioned on the show: Retire Before Mom & Dad: The Simple Numbers Behind a Lifetime of Financial Freedom by Rob Berger 50+ and Haven't Saved for Retirement? Here's What To Do YouTube Video What Is the 4% Rule for Withdrawals in Retirement and How Much Can You Spend? Atomic Habits: An Easy & Proven Way To Build Good Habits & Break Bad Ones by James Clear Disclaimer: We are not lawyers, financial advisors, accountants or tax experts. Please consult your own professional advisors before making any important decisions. Our content is for entertainment and education purposes only. | |||
| 31 Dec 2023 | Imagineer Your Ikigai | Matt Richter | 053 | 01:21:45 | |
Matt Richter, the Financial Imagineer, is a personal finance aficionado who joins us from Basel, Switzerland to chat about playing the game of life, managing windfalls, how to live in stealth wealth, and following your Ikigai. Matt loves spending time with his family, traveling, brewing beer, and writing on his blog to share his biggest passion, Financial Imagineering: making money work for you so you can unlock and spend more of your most precious resource on this planet, self-determined time, in order to pursue your dreams and passions. Matt Richter on Facebook, X, and Medium Thank you to our sponsors:
Resources mentioned on the show: Playing the Game of Life: Comparing Life to Video Games The Millionaire Next Door: Enduring Strategies for Building Wealth by Enough: True Measures of Money, Business, and Life by John C. Bogle Disclaimer: We are not lawyers, financial advisors, accountants or tax experts. Please consult your own professional advisors before making any important decisions. Our content is for entertainment and education purposes only. | |||
| 15 Dec 2024 | Mr 4% is now Mr 5% | Bill Bengen | 111 | 00:58:24 | |
In this episode we welcome the legendary Bill Bengen! He is the creator of the infamous 4% rule that is referenced in any quality conversation about retirement and withdrawal rates. There's been spirited debates and lengthy discussions about Bengen's research but there is no one better than the man himself to weigh in on what he thinks about it 30 years later. We talk about the evolution of Bengen's research, his thoughts on market timing vs. managing risk, and he gives us a preview of his upcoming book geared toward consumers.
Thank you to our sponsor:
Resources mentioned on the show: (As an Amazon Associate, I earn from qualifying purchases.) Bill Bengen on Kitces podcast/blog 📗 Conserving Client Portfolios During Retirement If you enjoyed this episode, please follow the show on your podcast player and leave us a rating or review. If you want to watch, be sure to subscribe to our YouTube Channel. This helps others find the show and keeps us creating great content for you!
Disclaimer: Our content is for general education and information purposes only. We are not providing financial, legal, or tax advice. Always do your own research or consult a professional before making important decisions. | |||
| 24 Sep 2023 | Fun Buckets and the Secure Income Retirement Process | Mark Trautman | 039 | 01:14:37 | |
We welcome back Mark Trautman of Mark’s Money Mind. Bill and Becky chatted with Mark on episode 12 about money in relationships. Mark also stood in for Bill as a co-host with Roger Whitney, the Q&A panel from CampFI, and On the Road with Catching Up to FI. In this conversation, we are going to dive into an alternative to the 4% Rule of Thumb. We see people in our community ask about a drawdown strategy in retirement, and the go-to answer seems to be the 4% Rule. But we would like to present another way of solving for that question, “How much money do I need for retirement?” Thank you to our sponsors:
Resources mentioned on the show: The Retirement and IRA Show with Jim Saulnier and Chris Stein The 4% Rule: EDU #2216 - The Retirement and IRA Show The Fun Number Part 1: EDU #2302 - The Retirement and IRA Show All About The Minimum Dignity Floor (MDF) Part 1: EDU #2231 - The Retirement and IRA Show Qualified Longevity Annuity Contract (QLAC) Disclaimer: We are not lawyers, financial advisors, accountants or tax experts. Please consult your own professional advisors before making any important decisions. Our content is for entertainment and education purposes only. | |||
| 28 Apr 2024 | Celebrating Financial Literacy Month with Next Gen Personal Finance | Tim Ranzetta | 072 | 00:52:35 | |
In celebration of Financial Literacy Month, Tim Ranzetta, co-founder of NextGen Personal Finance, chats with Bill and Jackie on the transformative power of teaching personal finance to students. Discussing stats, stories, and strategies, this episode covers everything from the ripple effects of financial literacy to state-level advocacy for required personal finance courses in high school. Tim shares how Next Gen carefully curated (free!) resources and games designed to make finance fun and accessible, highlighting the significance of teachers' partnership in this endeavor. Finally, Tim also outlines ways individuals can contribute to fostering a financially literate future generation. Thank you to our sponsors:
Catching Up to FI will be compensated by Nectarine if you use our affiliate link, which creates an incentive and conflict of interest. We are not current clients or employees of Nectarine. Resources mentioned on the show: As an Amazon Associate I earn from qualifying purchases. Money Letters 2 My Daughter by Jackie Cummings Koski F.I.R.E. for Dummies by Jackie Cummings Koski Disclaimer: We are not lawyers, financial advisors, accountants or tax experts. Please consult your own professional advisors before making any important decisions. Our content is for entertainment and education purposes only. | |||
| 28 Jul 2024 | Twin Wins with the Baughier Brothers: CampFI, EAGLE Cohousing, and Fiology | David & Stephen Baughier | 089 | 01:24:31 | |
Meet David and Stephen Baughier, twin brothers and prominent figures in the Financial Independence community. David, a 20-year Navy veteran and founder of Fiology, and Stephen, creator of CampFI, share their financial journeys from early money lessons to becoming community leaders. David, Stephen, Bill, and Jackie discuss the impact of life events, such as divorce, on financial independence, and the importance of prenups, managing single parenthood, and balancing passion projects. Tune in for insights on creating supportive communities, innovative cohousing projects, and the significant role of mindset in achieving financial goals. Thank you to our sponsors:
🎙️SquadCast: The Cloud Recording Studio that Producers, Listeners, Guests, Creators, YouTubers Love & Trust
 Modern Husbands Marriage Toolkit: Empowers couples with evidence based ideas from 40+ of the nation’s leading experts in managing money and the home as a team. Real Talk Finance: Create a solid foundation and take control of your future DeleteMe: Your personal data is yours againResources mentioned on the show: (As an Amazon Associate, I earn from qualifying purchases.) The Shockingly Simple Math Behind Early Retirement The Cohousing Association of America Can Prenups Really Save Your Marriage | Aaron Thomas | 081 00:00 Childhood Money Memories 00:37 The Impact of CampFI 02:17 Introduction to the Baughier Twins 03:39 David and Stephen's Financial Journeys 11:58 Military Service and Financial Lessons 16:59 Stephen's Path to Financial Independence 23:56 The Birth of CampFI 37:37 Life-Changing Impact of CampFI 38:45 What to Expect at CampFI 42:35 Breakout Sessions and Attendee-Led Discussions 45:39 Evolution of CampFI Topics 50:08 Introduction to Fiology 54:46 The Forget About Money Podcast 56:54 EAGLE: The Future of FI Cohousing 01:08:09 Single Player FI: Navigating Financial Independence Solo 01:16:19 Final Thoughts and Tips for Late Starters Disclaimer: We are not lawyers, financial advisors, accountants or tax experts. Please consult your own professional advisors before making any important decisions. Our content is for entertainment and education purposes only. | |||
| 05 Jan 2025 | The pURPOSE Code | Jordan Grumet | 115 | 00:57:13 | |
In this episode we are joined by the multi-talented Jordan Grumet, a hospice doctor, storyteller, and the host of the award-winning 'Earn & Invest' podcast. Jordan shares insights from his latest book, 'The Purpose Code', diving deep into the nuances of Big 'P' vs Little 'p' purpose, legacy, and finding true happiness. From his personal journey from medicine to financial independence, to discussing meaningful legacy and generational growth, Jordan offers valuable advice for late starters. Listen in to discover why Little 'p' Purpose might just be the key to a joyful and fulfilled life, and how you can start integrating it into your daily routine.
In this episode, we talk with Jen and Jill from the Frugal Friends Podcast and authors of the new book Buy What You Love Without Going Broke. They believe the secret to saving money isn’t in coupons and sales, it’s in identifying what you value and pursuing it unapologetically. We chat about how value-based spending can meet higher emotional and psychological needs beyond mere financial savings. The Frugal Friends also share personal stories of overcoming debt, understanding the 'real' needs behind our purchases, and how frugality can be both sustainable and enjoyable.
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For a full list of our partners, sponsors and affiliates, click here: catchinguptofi.com/our-partners
Resources mentioned on the show: (As an Amazon Associate, I earn from qualifying purchases.) 🌐Earn and Invest Website & Podcast 📗Order The Purpose Code on Amazon Catching Up to FI Episode: Purpose, Identity, & Connection | Jordan Grumet | 022 If you enjoyed this episode, please follow the show on your podcast player and leave us a rating or review. If you want to watch, be sure to subscribe to our YouTube Channel. This helps others find the show and keeps us creating great content for you!
Disclaimer: Our content is for general education and information purposes only. We are not providing financial, legal, or tax advice. Always do your own research or consult a professional before making important decisions. | |||
| 27 Feb 2023 | Sinking Funds Are Sexy | Bill Yount & Becky Heptig | 003 | 00:34:49 | |
Bill and Becky talk cash flow planning and sinking funds. We try and make them sexy and help you see why they are an invaluable way to take care of occasional expected expenses and unexpected financial surprises. Thank you to our sponsors:
Disclaimer: We are not lawyers, financial advisors, accountants or tax experts. Please consult your own professional advisors before making any important decisions. Our content is for entertainment and education purposes only. | |||
| 12 Mar 2025 | Confessions of a Co-host: I broke some FI Rules | Jackie Cummings Koski | 126 | 00:29:38 | |
Jackie Cummings Koski is co-host of the 'Catching Up to FI' podcast and author of the book 'F.I.R.E. For Dummies'. In case you're new here, FIRE stands for Financial Independence, Retire Early. In this episode, Jackie comes clean and publicly shares her non-FIRE confessions. Recorded at a CampFI near San Diego, she reveals surprising financial decisions that didn’t exactly follow the 'rules' of FI, and some are downright shocking… such as taking a 401(k) loan (don’t judge too soon😁). These moves may have gone against traditional FI principles, but they didn't ruin her plans or curb her enthusiasm.
From her early life in poverty to building wealth through strategic saving and investing, Jackie provides a transparent look at her imperfect journey, aiming to inspire others on the path to FI. She not only shares her real numbers, but also her genuine thoughts and feelings beyond the math. Join us to learn from her experience and embrace the big takeaway that 'precision is not required' to reach your financial goals, even when you’re getting a late start.
🗣️ SHARE YOUR CONFESSION! Do you have a non-FI confession to make??? Leave us a voice message and we may just play it on a future show! Use this link to record a message from your computer or right from your phone: 📲 https://catchinguptofi.com/contact-us/#voicemail 🌐 Visit Catching Up to FI website ☕ Like what you hear on Catching Up to FI? Support the show at "Buy Me a Coffee" 🎙️We love hearing from you! Record a Voice Message with your feedback or question Record a Voice Message with your feedback or question
=== THANK YOU TO OUR SPONSOR === 📈 Boldin (formerly NewRetirement) is our newest sponsor! Boldin is retirement planning software that's like having a financial advisor at your fingertips. With Boldin, you can: ✅ Track your savings ✅ Get personalized retirement advice based on your goals ✅ Explore investment options to grow your wealth ✅ And create a strategy that’s built for your unique needs You can get started with the free version or choose the premium option (PlannerPlus) and get a 14-day free trial. Be sure to use this link to get started: Go.boldin.com/catchingup
For a full list of our partners, sponsors and affiliates, click here: catchinguptofi.com/our-partners
Resources mentioned on the show: 🌐Jackie's website FInomenalWoman.com 🎙️From Poverty to Wealth and Early Retirement | Jackie Cummings Koski | 007 📕Jackie's book: 'F.I.R.E. For Dummies' 📈Jackie's Investment Club through BetterInvesting.org Watch other inspiring talks on CampFI's YouTube channel
If you enjoyed this episode, please follow the show on your podcast player and leave us a rating or review. If you want to watch, be sure to subscribe to our YouTube Channel. This helps others find the show and keeps us creating great content for you!
Disclaimer: Our content is for general education and information purposes only. We are not providing financial, legal, or tax advice. Always do your own research or consult a professional before making important decisions. | |||
| 28 Jan 2024 | CRASH!: Money Trauma and Recovery | Shannah Game | 057 | 01:00:47 | |
Shannah Game is a certified financial planner, prolific entrepreneur, author of the Money Mindset Journal, engaging speaker, and the host of Everyone's Talkin' Money podcast. Shannah, Bill, and Becky dig deep into the subject of money traumas, exploring their impact on individuals, relationships and overall financial health. Shannah offers practical strategies for identifying and healing from these traumas. She also emphasizes the importance of understanding our relationship with money and suggests helpful practices like journaling to gain better insights and manage these relationships effectively. Find Shannah on Instagram and TikTok @shannahgame Thank you to our sponsors:
Resources mentioned on the show: Everyone's Talkin' Money Podcast Payoff Study About Money Trauma in Americans 10 Money Questions to Ask Yourself Freebie CUtFI Episode with Manisha Thankor Disclaimer: We are not lawyers, financial advisors, accountants or tax experts. Please consult your own professional advisors before making any important decisions. Our content is for entertainment and education purposes only. | |||
| 19 May 2024 | The Wealthy Custodian Part 2: From Janitor to Millionaire | Jeff York | 076 | 00:53:20 | |
In part 2, Jeff York continues his discussion with Bill and Jackie about the financial importance of amicable divorces, the nitty gritty on his investments, and how he was able to "graduate" on his modest salary. The three also dive deep into Jeff's unique lifestyle, the necessity of personal health before and after retirement, and the rewarding nature of sharing knowledge through educating and mentoring. Thank you to our sponsors:
Catching Up to FI will be compensated by Nectarine if you use our affiliate link, which creates an incentive and conflict of interest. We are not current clients or employees of Nectarine. Resources mentioned on the show: As an Amazon Associate I earn from qualifying purchases. Dr. Bobby Talks Healthspan | Dr. Bobby Dubois | 059 Disclaimer: We are not lawyers, financial advisors, accountants or tax experts. Please consult your own professional advisors before making any important decisions. Our content is for entertainment and education purposes only. | |||
| 14 May 2025 | Smart Money Moves After 50 | Bill Yount | 142 | 01:01:47 | |
Bill hops onto Jesse Cramer's 'Personal Finance for Long-Term Investors' (formally The Best Interest) podcast to spread the message that it's never too late to start. In this episode he shares:
🌐 Visit Catching Up to FI website ☕ Like what you hear on Catching Up to FI? Support the show at "Buy Me a Coffee" 🎙️We love hearing from you! Record a Voice Message with your feedback or question Record a Voice Message with your feedback or question
===DEALS & DISCOUNTS FROM OUR TRUSTED PARTNERS=== 🎓 Student Loan Planner: Get a custom student loan plan from our CFP®, CFA and CSLP® professionals. They charge a one-time fee for their thorough review. Our listeners receive $100 off a 1:1 consult using the link below. Flat fee is normally $595, but after your $100 off ‘Catching Up to FI’ discount, it's $495. 👉🏼 Be sure to use this link: studentloanplanner.com/catchingup
📈 Boldin (formerly NewRetirement): Retirement planning software that's like having a financial advisor at your fingertips. You can get started with the free version or choose the premium option (PlannerPlus) and get a 14-day free trial. 👉🏼 Be sure to use this link to get started: Go.boldin.com/catchingup
For a full list of current deals and discounts from our partners, sponsors and affiliates, click here: catchinguptofi.com/our-partners
RESOURCES MENTIONED ON THE SHOW: (As an Amazon Associate, I earn from qualifying purchases.) 🌐 Personal Finance For Long-Term Investors with Jesse Cramer
⏰ ‘Catching Up to FI’ Episodes Pathfinders: Stories of Success and Financial Independence | JL Collins | 069 Pathfinders: Triumphs and Trials on the Road to Financial Independence | JL Collins | 070 F-You Money Part 1 | JL Collins | 023 F-You Money Part 2 | JL Collins | 024
If you enjoyed this episode, please follow the show on your podcast player and leave us a rating or review. If you want to watch, be sure to subscribe to our YouTube Channel. This helps others find the show and keeps us creating great content for you!
⚠️Disclaimer: Our content is for general education and information purposes only. We are not providing financial, legal, or tax advice. Always do your own research or consult a professional before making important decisions. | |||
| 18 Jun 2023 | Dimes Everywhere | Amberly Grant | 020 | 01:07:45 | |
Amberly Grant is a community leader, financial educator, real estate investor, and was recently featured on CNBC's Make It Series. She currently owns seven doors between Canada and the US, comprised of STRs and LTRs. She creates financial educational content on Instagram, hosts a Tuesday FinTalks (where 30-50 people from all walks of life talk weekly about different financial topics), runs a mentorship program, and mastermind. She does all this while holding down a W-2 job and breastfeeding her first child. Amberly is bubbly, energetic, quirky, and determined to bring others along with her on the path to financial independence. Thank you to our sponsors:
Resources mentioned on the show: 50% Rule of Real Estate Investing Disclaimer: We are not lawyers, financial advisors, accountants or tax experts. Please consult your own professional advisors before making any important decisions. Our content is for entertainment and education purposes only. | |||
| 21 Apr 2024 | From Tech Stocks to Toilet Brushes: The Jensens' FI Journey | Mindy and Carl Jensen | 071 | 01:06:46 | |
Although you’ve probably heard of this powerful pair, Mindy and Carl Jensen hop onto our show to share their personal journeys to financial independence and beyond. The Jensens discuss their experiences with podcasting, real estate investing, individual stock investments, and the lifestyle adjustments they've made after achieving financial independence. From buying a Tesla to planning for their children's futures, Mindy and Carl offer a transparent look at their lives post-FI, imparting valuable lessons along the way. Thank you to our sponsors:
Catching Up to FI will be compensated by Nectarine if you use our affiliate link, which creates an incentive and conflict of interest. We are not current clients or employees of Nectarine. Resources mentioned on the show: As an Amazon Associate I earn from qualifying purchases. The Prenup Prescription: Meet the Premarital Contract Designed to Save Your Marriage by Aaron Thomas Mindy and Carl on Ramit Sethi’s “I Will Teach You To Be Rich” Podcast Die With Zero: Getting All You Can From Your Money and Your Life by Bill Perkins Disclaimer: We are not lawyers, financial advisors, accountants or tax experts. Please consult your own professional advisors before making any important decisions. Our content is for entertainment and education purposes only. | |||
| 19 Feb 2023 | A Boat Named YOLO | Bill Yount | 001 | 00:47:17 | |
Becky interviews her co-host Bill regarding his conflicted relationship with money on the way to financial recovery after a late start on the journey to financial independence. Thank you to our sponsors:
Resources mentioned on the show: Disclaimer: We are not lawyers, financial advisors, accountants or tax experts. Please consult your own professional advisors before making any important decisions. Our content is for entertainment and education purposes only. | |||
| 26 Mar 2023 | From Poverty to Wealth and Early Retirement | Jackie Cummings Koski | 007 | 01:05:16 | |
Jackie Cummings Koski, CFP, has been featured on CNBC, The Rachel Ray Show, Marketwatch, Forbes, and People Magazine. She is a single mother and a force in financial education who grew up in poverty, started late on her path to FI, and "finished early" with a net worth of $1.4M at 49 years old. Her story is incredible. Her wisdom is vast. Her dream of a financially literate society is a palpable passion. She is not done yet! Thank you to our sponsors:
Resources mentioned on the show: (As an Amazon Associate, I earn from qualifying purchases.) Jackie can be reached at Money Letters Jackie supports Better Investing Jackie's Book Money Letters 2 My Daughter is available for purchase on Amazon If you wish to obtain an In Case of Emergency (ICE) Binder, you can find it at Emergency Binders Disclaimer: We are not lawyers, financial advisors, accountants or tax experts. Please consult your own professional advisors before making any important decisions. Our content is for entertainment and education purposes only. | |||
| 06 Aug 2023 | Climb Every Mountain | Roger Whitney | 027 | 00:50:12 | |
Becky and guest co-host, Mark Trautman, chat with The Retirement Answer Man, Roger Whitney. They are all on vacation with a group from the Rock Retirement Club. Bill is back at the ranch working his day job and editing podcasts dreaming of time freedom on the path to financial independence, but still living his best life. As a certified financial planner for over 25 years, Roger uses his credentials and every channel possible to help people live well today without sacrificing tomorrow. He is a three-time Plutus Award Winner for best retirement blog/podcast. The podcast has over 8 million downloads and 475 episodes (and counting!). He is the author of "Rock Retirement: A Simple Guide to Help You Take Control and Be More Optimistic About the Future." Investopedia has ranked him as one of the top 100 most influential advisors several years in a row. His mom passed away at 48, sacrificing the now while dreaming of the retirement brochure in the future. He wants to help us shift what is possible in retirement by how we live, work, and celebrate what is possible right now - and keep doing it! Thank you to our sponsors:
Resources mentioned on the show: The Second Mountain: The Quest for a Moral Life Atomic Habits: An Easy & Proven Way To Build Good Habits & Break Bad Ones by James Clear Outlive: The Science and Art of Longevity by Peter Attia Disclaimer: We are not lawyers, financial advisors, accountants or tax experts. Please consult your own professional advisors before making any important decisions. Our content is for entertainment and education purposes only. | |||
| 02 Jun 2024 | CyberFI and the FBI | Donna Peterson | 078 | 01:15:37 | |
Donna Peterson is a retired supervisory special agent and joins Bill and Jackie to cover the essential topic of internet and financial security. Drawing from her extensive background in combating cybercrime with the FBI, Donna shares her expert advice on how to secure personal and financial information against common hacks, the importance of two-factor authentication, and best practices for digital hygiene. Donna also gives practical tips on using password managers, safeguarding email accounts, and navigating the complexities of online privacy and data breaches. Thank you to our sponsors:
Catching Up to FI will be compensated by Nectarine if you use our affiliate link, which creates an incentive and conflict of interest. We are not current clients or employees of Nectarine. Resources mentioned on the show: Internet Crime Complaint Center FBI Internet Crime Report 2023 Disclaimer: We are not lawyers, financial advisors, accountants or tax experts. Please consult your own professional advisors before making any important decisions. Our content is for entertainment and education purposes only. | |||
| 11 Mar 2023 | Broken Vessels, Recovery, & Forgiveness | Deanna Hutchison | 005 | 00:57:04 | |
Deanna Hutchison of www.brokenvesselsmadewhole.life had an alcohol and drug addiction that left her devastated personally and financially in mid-life. She talks with us about her journey from despair to redemption, recovery, and forgiveness on her late start in life and financial independence. Her story, message, and mission are powerful. This is a must-listen inspirational episode. Thank you to our sponsors:
Resources mentioned on the show: JL Collins, The Simple Path to Wealth The ancient Japanese art of Kintsugi Disclaimer: We are not lawyers, financial advisors, accountants or tax experts. Please consult your own professional advisors before making any important decisions. Our content is for entertainment and education purposes only. | |||
| 24 Mar 2024 | Catching the Wave to FI | Doug Nordman & Carol Pittner | 067 | 01:31:37 | |
Doug Nordman and Carol Pittner are a financially-savvy father-daughter duo who take us on their money journey as a family. From learning about money management through unique family practices like the “Bank of Carol,” to achieving financial independence, Doug and Carol share the milestones, strategies, and setbacks of their financial journeys. They discuss the importance of saving, investing, and making prudent life choices, all set against the backdrop of their unique military lifestyle. Moreover, they discuss the profound impact of teaching financial literacy from a young age. Whether you're a late starter to financial independence or seeking to pave a smoother path for the next generation, this episode is packed with wisdom, humor, and inspiring stories to guide you on your journey to FI. Thank you to our sponsors:
Catching Up to FI will be compensated by Nectarine if you use our affiliate link, which creates an incentive and conflict of interest. We are not current clients or employees of Nectarine. Resources mentioned on the show: (As an Amazon Associate, I earn from qualifying purchases.) Look for their books at your local library in order to "try before you buy." militaryfinancialindependence.com The Military Guide to Financial Independence and Retirement by Doug Nordman Redeployment Wealth Strategies The First National Bank of Dad by David Owen If You Made a Million by David M. Schwartz Top Gun Finance | Stephen Heptig | 031 Mom and Dad, We Need to Talk | Cameron Huddleston | 048 Doug’s recommendations for military-friendly charities: - Fisher House Foundation: either the national foundation (with Brian Gawne, one of my college classmates and a military retiree) or your local Fisher House at a hospital. - Local chapters of the Wounded Warrior Program and their services for your local military veterans. Their favorite surfing beaches: - White Plains Beach at Kalaeloa near Kapolei (Oahu) - Pua ‘Ena Point at Haleiwa Beach Park (north side) on Oahu ...but Mission Bay and South Ponto Beach in San Diego are also pretty good, as well as Shifting Sands Beach Club at Dam Neck in Virginia Beach. Disclaimer: We are not lawyers, financial advisors, accountants or tax experts. Please consult your own professional advisors before making any important decisions. Our content is for entertainment and education purposes only. | |||
| 31 Aug 2023 | On the Road With Catching Up to FI | Tony’s Journey | 032 | 00:31:49 | |
Becky and guest co-host, Mark Trautman, talk to Tony about his journey to FI and retirement while on a cruise to Alaska. This is part of a new series called On the Road with Catching Up to FI. Thank you to our sponsors:
Resources mentioned on the show: The Retirement Answer Man Show Disclaimer: We are not lawyers, financial advisors, accountants or tax experts. Please consult your own professional advisors before making any important decisions. Our content is for entertainment and education purposes only. | |||
| 07 Jul 2024 | The Powers of Starting Late, Retirement Calculators, and More | Chris Mamula | 086 | 01:04:42 | |
Subscribe and Watch on YouTube Chris Mamula, a former physical therapist who achieved early retirement at 41, shares his journey from financial mistakes to becoming a Certified Financial Planner (CFP) and a prominent voice in the FIRE movement. Discover practical tips on budgeting, saving during peak earning years, and utilizing retirement calculators. Chris, Bill, and Jackie chat about the advantages of starting late, advice-only financial planning, and strategies for aligning spending with personal values. Thank you to our sponsors:
🎙️SquadCast: The Cloud Recording Studio that Producers, Listeners, Guests, Creators, YouTubers Love & Trust Boston Institute of Finance Personal Growth Track: Comprehensive & efficient CFP® level curriculum for those that don't need course credit, but want to gain useful knowledge for yourself.
Modern Husbands Marriage Toolkit: Empowers couples with evidence based ideas from 40+ of the nation’s leading experts in managing money and the home as a team.
Resources mentioned on the show: As an Amazon Associate we earn from qualifying purchases.
F.I.R.E. For Dummies by Jackie Cummings Koski The Power of Reinvention with The Financial Tortoise | Tae Kim | 082 7 Advantages When You Start Saving for Retirement Late Maximize ACA Subsidies and Minimize Health Insurance Costs Music Money Man | Cody Garrett | 035 The Best Retirement Calculators by Darrow Kirkpatrick Disclaimer: We are not lawyers, financial advisors, accountants or tax experts. Please consult your own professional advisors before making any important decisions. Our content is for entertainment and education purposes only. | |||
| 03 Mar 2024 | Retirement Planning Tips | Andy Panko | 063 | 01:02:08 | |
Andy Panko is the founder and owner of Tenon Financial, a retirement planning and investment management firm, and Tenon Tax Preparation, a tax return preparation company. Andy joins Becky and guest co-host, Mark, to discuss retirement planning, the role and value of annuities, when to claim social security, and how to determine if you have saved enough for retirement. They also delve into handling taxes in retirement and the importance of community in one’s retirement journey. Welcome to the show, Andy! Thank you to our sponsors:
Resources mentioned on the show: Retirement Planning Education Website Find Andy's FB, YT, & Podcast Here MYGA – Multi-Year Guaranteed Annuity SPIA – Single Premium Immediate Annuity Die With Zero: Getting All You Can From Your Money and Your Life by Bill Perkins Social Security Made Simple | Mike Piper | 054 Disclaimer: We are not lawyers, financial advisors, accountants or tax experts. Please consult your own professional advisors before making any important decisions. Our content is for entertainment and education purposes only. | |||
| 01 Oct 2024 | Maximizing HSAs Part 2: Devising Drawdowns, Badass Scenarios & Listener Questions | Jeff York | 99 | 00:56:13 | |
In the second episode of this special two-part series we continue with our deep dive conversation about Health Savings Accounts (HSAs) with Bill and Jackie, and guest co-host, Jeff York (also known as the Wealthy Custodian from episode 74 & 76). We break down in-depth scenarios, including unique contribution rules for domestic partners and adult children, investment strategies, drawdown plans and estate planning considerations. We answer listener questions and share our wish list for HSAs in the future. For this episode we are providing a formal presentation here:
Thank you to our sponsors:
Resources mentioned on the show: (As an Amazon Associate, I earn from qualifying purchases.) HSA Rules and Regulations (IRS Pub#969) Qualified Medical/Dental/Vision Expenses (IRS Pub#502) Preventive Care and Chronic Conditions (IRS Notice) Morningstar / Best HSA Providers Kitces / HSA ‘Deathbed Drawdown’ Wex Health / HDHP with HSA vs. traditional health plan calculator Consumer Friendly List of HSA-Eligible expenses
🕒 Time stamps: 00:00 Introduction to HSA Series Part Two 00:23 Maximizing HSA Contributions for Families 02:34 Drawdown Strategies for Health Savings Accounts 06:59 Planning for HSA Beneficiaries 14:55 Case Study: Domestic Partners and HSA Contributions 20:06 Q&A Session: HSA Myths, Tips, and Tricks 28:17 Evaluating HSA Options for Chronic Conditions 28:53 Financial Considerations for High Deductible Plans 29:54 Using Calculators to Compare Health Plans 31:25 HSA Contributions and Family Plans 33:18 Maximizing HSA Benefits and Investment Strategies 43:54 Legislative Changes and Future of HSAs 47:57 HSAs for Late Starters in Financial Independence 53:01 Conclusion and Final Thoughts
Disclaimer: Our content is for general education and information purposes only. We are not providing financial, legal, or tax advice. Always do your own research or consult a professional before making important decisions. | |||
| 29 Sep 2024 | Mind Blowing ways to Maximize Your Health Savings Account (HSA) | Jeff York | 98 | 01:12:57 | |
In this special two-part episode we unveil the 'Wealthy Custodian,' Jeff York (from episode 74 & 76), and take a deep dive into the world of Health Savings Accounts (HSAs). Jeff joins as co-host along with Bill and Jackie (our HSA Maven) to share how they supersized thier HSAs and discovered how powerful they can be on the path to FI. This comprehensive series starts with Part 1 where we explore tips, tricks, and common misconceptions about HSAs and tackle little known strategies that are rarely discussed. We'll also talk about who should consider a high deductible plan, eligible expenses, bright ideas like using your HSA for health expenses abroad, and even IRA to HSA transfers. Whether you are new to HSAs or looking to maximize your FI strategy, you won't want to miss this episode. Stay tuned for Part 2 where we explore HSA drawdown strategies, advanced scenarios and answer listener questions! For this episode we are providing a formal presentation here:
Thank you to our sponsors:
Resources mentioned on the show: (As an Amazon Associate, I earn from qualifying purchases.) HSA Rules and Regulations (IRS Pub#969) Qualified Medical/Dental/Vision Expenses (IRS Pub#502) Preventive Care and Chronic Conditions (IRS Notice) Morningstar / Best HSA Providers Kitces / HSA ‘Deathbed Drawdown’ Wex Health / HDHP with HSA vs. traditional health plan calculator Consumer Friendly List of HSA-Eligible expenses
🕒 Time stamps: 00:00 Introduction to the Special Episode 00:07 Unveiling the Wealthy Custodian 00:33 Diving into HSAs: Tips, Tricks, and Misnomers 03:00 Personal HSA Journeys 13:09 Understanding High Deductible Plans 25:02 Flexible Spending Accounts vs. Health Savings Accounts 28:11 HSA Eligibility and Contribution Limits 34:09 State-Specific HSA Tax Rules 37:58 Unique Provisions for Different States 38:10 Understanding the Last Month Rule 40:09 HSA Eligible Expenses 41:48 Supersizing Your HSA 42:27 Investment Strategies for HSA 44:50 Maximizing Contributions and Advanced Strategies 47:20 Reimbursement Strategies and Record Keeping 52:40 IRA to HSA Conversions 01:02:16 Bright Ideas for HSA Usage 01:09:21 Using HSA Funds Abroad 01:11:30 Conclusion and Final Thoughts
Disclaimer: Our content is for general education and information purposes only. We are not providing financial, legal, or tax advice. Always do your own research or consult a professional before making important decisions. | |||
| 02 Feb 2025 | "Mama, Are We Poor?”: a Single Mom's Millionaire Mindset | Monica Scudieri | 120 | 00:52:42 | |
Monica Scudieri started late on her financial independence journey but finished early. Her financial watershed moment was when she discovered she had $257,000 in debt. She was in serious financial despair but managed to slowly dig out. The progress she made was impressive and just ten years later, she reached financial independence. In this episode Monica shares the challenges she faced as a divorced single mom, her parents' immigrant story, and the smart, scrappy moves she made to transform her financial life.
=== NEW SPONSOR === 📈 Boldin (formerly NewRetirement) is our newest sponsor! Boldin is retirement planning software that's like having a financial advisor at your fingertips. With Boldin, you can: ✅ Track your savings ✅ Get personalized retirement advice based on your goals ✅ Explore investment options to grow your wealth ✅ And create a strategy that’s built for your unique needs You can get started with the free version, or choose the premium option (PlannerPlus) and get a 14-day free trial. Be sure to use this link to get started: Go.boldin.com/catchingup
For a full list of our partners, sponsors and affiliates, click here: catchinguptofi.com/our-partners
Resources mentioned on the show: (As an Amazon Associate, I earn from qualifying purchases.) 📗Order 'Grab Your Slice of Financial Independence' on Amazon ESI Money article: Journey to FIRE as a Late Starting Single Parent
If you enjoyed this episode, please follow the show on your podcast player and leave us a rating or review. If you want to watch, be sure to subscribe to our YouTube Channel. This helps others find the show and keeps us creating great content for you!
Disclaimer: Our content is for general education and information purposes only. We are not providing financial, legal, or tax advice. Always do your own research or consult a professional before making important decisions. | |||
| 25 Feb 2024 | Unpacking Retirement Planning Strategies | Kevin Lyles | 061 | 01:18:03 | |
Kevin Lyles, a retired lawyer turned retirement guru and coach, joins Becky and guest co-host Mark Trautman to discuss several aspects of planning for retirement, both financial and non-financial. Kevin talks about the difference between retirement planning and financial advice during the accumulation phase. He advises on how to navigate Social Security and Medicare, and emphasizes the importance of financial resilience in retirement. Kevin explains the significance of replacing the structure and fulfillment you get from work through relationships, a sense of usefulness, and financial security as you transition to retirement. Kevin, Becky, and Mark also chat about lifelong learning, lifestyle adjustments, and how to find a sense of meaning and purpose in retirement. Thank you to our sponsors:
Resources mentioned on the show: The Wealthy Barber: Everyone's Commonsense Guide to Becoming Financially Independent The Millionaire Next Door: The Surprising Secrets of America's Wealthy Social Security Made Simple | Mike Piper | 054 Retirement Coaches Association kevinlyles@rockretirementclub.com Disclaimer: We are not lawyers, financial advisors, accountants or tax experts. Please consult your own professional advisors before making any important decisions. Our content is for entertainment and education purposes only. | |||
| 19 Mar 2025 | Get To Know Your Future Self | Bill Yount | 128 | 00:46:21 | |
'Catching Up to FI' founder and co-host, Bill Yount, appeared as a guest on the EverydayFI podcast with host Meghan Combs. The show explores the lives and stories of everyday people in the financial independence community so Bill opens up about his FI journey as a late starter. He of course represents our Catching Up to FI community. He had a lot to say so this is a two-parter and will be aired over the next two Wednesday episodes.
🌐 Visit Catching Up to FI website ☕ Like what you hear on Catching Up to FI? Support the show at "Buy Me a Coffee" 🎙️We love hearing from you! Record a Voice Message with your feedback or question Record a Voice Message with your feedback or question
=== THANK YOU TO OUR SPONSOR === 📈 Boldin (formerly NewRetirement) is our newest sponsor! Boldin is retirement planning software that's like having a financial advisor at your fingertips. With Boldin, you can: ✅ Track your savings ✅ Get personalized retirement advice based on your goals ✅ Explore investment options to grow your wealth ✅ And create a strategy that’s built for your unique needs You can get started with the free version or choose the premium option (PlannerPlus) and get a 14-day free trial. Be sure to use this link to get started: Go.boldin.com/catchingup
For a full list of our partners, sponsors and affiliates, click here: catchinguptofi.com/our-partners
Resources mentioned on the show: (As an Amazon Associate, I earn from qualifying purchases.)
If you enjoyed this episode, please follow the show on your podcast player and leave us a rating or review. If you want to watch, be sure to subscribe to our YouTube Channel. This helps others find the show and keeps us creating great content for you!
Disclaimer: Our content is for general education and information purposes only. We are not providing financial, legal, or tax advice. Always do your own research or consult a professional before making important decisions. | |||
| 05 May 2024 | Sustainable FIlosophy with Mr. Money Mustache | Pete Adeney | 073 | 01:09:11 | |
He’s here, Mr. Money Mustache! Also known as Pete Adeney, the financial independence OG shares his story with Bill and Jackie. From retiring at 30 and starting one of the most popular blogs in the community to the importance of choosing sustainability with your money. The three discuss some of Pete’s most impactful articles (listed below), highlighting alternative health insurance options and discussing socially responsible investing. Pete also chats candidly about life post-divorce, the temptations of consumerist culture, and the potential of car-free communities. Thank you to our sponsors:
Catching Up to FI will be compensated by Nectarine if you use our affiliate link, which creates an incentive and conflict of interest. We are not current clients or employees of Nectarine. Resources mentioned on the show: As an Amazon Associate I earn from qualifying purchases. The Simple Path to Wealth by JL Collins The Shockingly Simple Math Behind Early Retirement Two Years Without Health Insurance (and What I’m Doing Now) How to Go from Middle-Class to Kickass Purpose, Identity, & Connection | Jordan Grumet | 022 Socially Responsible Investing: Is It Also More Profitable? Dr. Bobby Talks Healthspan | Dr. Bobby Dubois | 059 Outlive: The Science and Art of Longevity by Peter Attia Disclaimer: We are not lawyers, financial advisors, accountants or tax experts. Please consult your own professional advisors before making any important decisions. Our content is for entertainment and education purposes only. | |||
| 08 Sep 2024 | Enoughness: Your Life or Your Money | Vicki Robin | 95 | 01:00:13 | |
Join hosts Bill and Jackie as they delve into a profound conversation with Vicki Robin, co-author of 'Your Money or Your Life.' Vicki discusses the concept of 'enoughness' as a spiritual practice and the fulfillment curve, offering insights into how recognizing enough can lead to a more satisfying life. The dialogue covers financial independence, the impact of societal norms, aging, and the emotional aspects of letting go. Explore Vicki's unique perspective on how living simply and investing in community can transform our lives and the world around us. This episode is a rich tapestry of wisdom for anyone seeking a deeper understanding of life's true value.
Thank you to our sponsors:
Resources mentioned on the show: (As an Amazon Associate, I earn from qualifying purchases.) Disclaimer: Our content is for general education and information purposes only. We are not providing financial, legal, or tax advice. Always do your own research or consult a professional before making important decisions. | |||
| 25 Jun 2023 | Stories, Hacks, & Tribes | Brad Barrett | 021 | 01:38:16 | |
Brad Barrett is the co-founder and host of the ChooseFI Podcast and Platform. We talk about his personal story, travel hacking, and the genesis of ChooseFI. Since 2016, ChooseFI has literally changed the world in which we live. It is the "ultimate crowdsourced personal finance podcast" with over 60M downloads. It is a standard-bearer of hope that Bill has no doubt the majority of FI enthusiasts follow. It encourages us to take action in all aspects of our lives, not just the financial ones. ChooseFI teaches us how to compound our marginal gains towards financial and time freedom and living our best lives. Thank you to our sponsors:
Resources mentioned on the show: The 4-Hour Work Week by Tim Ferriss Disclaimer: We are not lawyers, financial advisors, accountants or tax experts. Please consult your own professional advisors before making any important decisions. Our content is for entertainment and education purposes only. | |||
| 23 Apr 2025 | Catching Up to FI in Uncertain Times | Bill & Jackie | 138 | 00:58:06 | |
In this episode, Bill & Jackie joined Doc G (Jordan Grumet) on the 'Earn & Invest Podcast' to talk about what it feels like to be a late starter in these uncertain times. Questions about a recession are looming and it's scary, especially for those just waking up and trying to catch up. They discuss the ups and downs and how late starters can still stay on track.
☕ Like what you hear on Catching Up to FI? Support the show at "Buy Me a Coffee" 🎙️We love hearing from you! Record a Voice Message with your feedback or question Record a Voice Message with your feedback or question
=== DEALS AND DISCOUNTS FROM OUR TRUSTED PARTNERS===
For a full list of current deals and discounts from our partners, sponsors and affiliates, click here: catchinguptofi.com/our-partners
RESOURCES MENTIONED ON THE SHOW: (As an Amazon Associate, I earn from qualifying purchases.)
⏰ ‘Catching Up to FI’ Episodes Bonus Episode: The Market is Crashing, Now What? | Bill & Jackie | 135 International Educator, Bali FIRE | Amy Minkley | 137 The pURPOSE Code | Jordan Grumet | 115 Purpose, Identity, & Connection | Jordan Grumet | 022 “The Risk Parity Paradox” an Exercise in Simple Complexity? | Frank Vasquez | 124 SpongeBob and Drawdown Strategies | Frank Vasquez | 044
If you enjoyed this episode, please follow the show on your podcast player and leave us a rating or review. If you want to watch, be sure to subscribe to our YouTube Channel. This helps others find the show and keeps us creating great content for you!
⚠️Disclaimer: Our content is for general education and information purposes only. We are not providing financial, legal, or tax advice. Always do your own research or consult a professional before making important decisions. | |||
| 14 Apr 2024 | Pathfinders: Triumphs and Trials on the Road to Financial Independence | JL Collins | 070 | 00:54:19 | |
In Part 2 of Bill and Jackie’s conversation with JL Collins, the three explore his latest book “Pathfinders” and unravel the powerful narratives that underscore the ethos of financial independence. The trio discuss various topics such as the significance of starting early in investments, the pivotal moments which define one’s financial path, and the universal applicability of Collins' financial principles across different life situations. Sharing touching and motivational stories from ”Pathfinders”, they emphasize the book’s role as a beacon for those striving for financial independence, regardless of their starting point. Thank you to our sponsors:
Catching Up to FI will be compensated by Nectarine if you use our affiliate link, which creates an incentive and conflict of interest. We are not current clients or employees of Nectarine. Resources mentioned on the show: As an Amazon Associate I earn from qualifying purchases. Hard & Soft Sides of Retirement | Fritz Gilbert | 019 From Poverty to Wealth and Early Retirement | Jackie Cummings Koski | 007 Sapiens: A Brief History of Humankind by Yuval Noah Harari "Money is more open-minded than language, state laws, cultural codes, religious beliefs and social habits. Money is the only trust system created by humans that can bridge almost any cultural gap, and that does not discriminate on the basis of religion, gender, race, age or sexual orientation." -Yuval Noah Harari JL Collins on Roman Koshovskyi's Podcast Disclaimer: We are not lawyers, financial advisors, accountants or tax experts. Please consult your own professional advisors before making any important decisions. Our content is for entertainment and education purposes only. | |||
| 16 Jun 2024 | Green Makes Green | Kyle Landis-Marinello | 080 | 01:01:26 | |
Kyle Landis-Marinello is a practicing attorney specializing in environmental and energy law. Bill and Jackie dive deep with Kyle into topics such as socially responsible investing, student loan forgiveness, and his book, Personal Finance and Investing: How Anyone can Make More, Spend Less, and Invest Wisely. We also learn about Kyle’s unique financial journey to improve his family’s finances without compromising his values. Thank you to our sponsors:
Resources mentioned on the show: As an Amazon Associate I earn from qualifying purchases. F.I.R.E. for Dummies by Jackie Cummings Koski Environmental, Social and Governance (ESG) Investing Simple Path to Wealth by JL Collins Socially Responsible Investing: Is It Also More Profitable? Article by Mr. Money Mustache Disclaimer: We are not lawyers, financial advisors, accountants or tax experts. Please consult your own professional advisors before making any important decisions. Our content is for entertainment and education purposes only. | |||
| 21 May 2023 | The Power of Cash Flow Planning | Sarah-Catherine Gutierrez | 016 | 01:24:00 | |
Rumba and JOMO are "characters" in the story of Olivia who is the heroine of Sarah Catherine Gutierrez's book: But First, Save 10: The One Simple Money Move That Will Change Your Life. Olivia is an 18-30-year-old woman at the beginning of her financial journey, but her path is applicable to all of us late starters of any age. SC is a friend, a certified financial planner, and sucked at math. She is also a game changer in the financial industrial complex. In this episode, we dive into her story, dreams, and goals. Along the way, we talk about Cash Flow Planning, The Tax Efficient Waterfall, Women and Money, and Save, Save, Save. You will not want to miss this episode. Thank you to our sponsors:
Resources mentioned on the show: Disclaimer: We are not lawyers, financial advisors, accountants or tax experts. Please consult your own professional advisors before making any important decisions. Our content is for entertainment and education purposes only. | |||
| 21 Jul 2024 | Why Does the Stock Market Always Go Up? | Brian Feroldi | 088 | 01:15:04 | |
Today we dive deep into the stock market with special guest, Brian Feroldi. As a financial educator, YouTuber, and author of “Why Does the Stock Market Go Up?”, Brian shares his wisdom on the long-term growth of the S&P 500, the significance of stock market indices, and the nuances of volatility and investment strategies. Bill, Jackie, and Brian discuss lump sum vs. dollar-cost averaging, dividends, and individual stock investing, while addressing common questions about tax implications and account types. Brian's passionate and detailed explanations offer invaluable insights for both new and seasoned investors. Don't miss the fascinating history of the 401k and why a solid understanding of the stock market is crucial for financial independence! Thank you to our sponsors:
🎙️SquadCast: The Cloud Recording Studio that Producers, Listeners, Guests, Creators, YouTubers Love & Trust
Modern Husbands Marriage Toolkit: Empowers couples with evidence based ideas from 40+ of the nation’s leading experts in managing money and the home as a team.
Real Talk Finance: Create a solid foundation and take control of your future
DeleteMe: Your personal data is yours again
Resources mentioned on the show: (As an Amazon Associate, I earn from qualifying purchases.)
Find Brian on social media: YouTube , X, href="https://www.instagram.com/brianferoldi/">IG
Long-Term Mindset
Why Does The Stock Market Go Up?: Everything You Should Have Been Taught About Investing In School, But Weren’t by Brian Feroldi
Money and the Mattress Podcast: Mastering Financial Independence with Diana Falck
EconoMe
The Intelligent Investor: The Definitive Book on Value Investing by Benjamin Graham “In the short run, the market is a voting machine, but in the long run, it is a weighing machine.”
The Wealthy Custodian Part 1: A Blue Collar Guide to Financial Freedom | Jeff York | 074
The Rule of 72
BetterInvesting
Disclaimer: We are not lawyers, financial advisors, accountants or tax experts. Please consult your own professional advisors before making any important decisions. Our content is for entertainment and education purposes only. | |||
| 19 Jun 2024 | How to Think About Time: A Humble Legacy | Jonathan Clements | 081 | 01:29:01 | |
Today we're rerunning our episode with Jonathan Clements who is a dear personal friend and a friend of our community. He recently posted on his blog, HumbleDollar, about his final lap around the sun yesterday. Let’s send him our love. Thank you to our sponsors:
Catching Up to FI will be compensated by Nectarine if you use our affiliate link, which creates an incentive and conflict of interest. We are not current clients or employees of Nectarine. Resources mentioned on the show: As an Amazon Associate I earn from qualifying purchases. Saving Our Retirement by Bill Yount How to Think About Money by Jonathan Clements My Money Journey: How 30 People Found Financial Freedom - And You Can Too by Jonathan Clements What is the Easterlin paradox? Catching Up to FI Episode 039 with Mark Trautman Catching Up to FI Episode 019 with Fritz Gilbert Catching Up to FI Episode 022 with Jordan Grumet Disclaimer: We are not lawyers, financial advisors, accountants or tax experts. Please consult your own professional advisors before making any important decisions. Our content is for entertainment and education purposes only. | |||
| 22 Dec 2024 | Tactical Tips and Tripwires: The DIY Financial Planner's Guide | Cody Garrett | 112 | 01:05:39 | |
Happy Holidays! Join us for this lighthearted chat with a longtime friend of the show, Cody Garrett, CFP. He shares his list of the 24 common DIY investment mistakes that might be hindering your path to financial independence and some tips on how to fix them. He steps us through the list which includes things like underutilizing employer benefits, misunderstanding how the 4% "rule" should be applied, and assuming health insurance coverage is expensive in early retirement. Cody is the founder of Measure Twice Money and Measure Twice Planners, and known for his unique advice-only planning approach. Be sure to listen to the end as Cody plays a beautiful Holiday piano medley to get us all in this spirit of the season.
Thank you to our sponsor:
Resources mentioned on the show: 🌐 Measure Twice Money "Create Your Own Financial Plan" Comprehensive Video Course ($100 OFF) Cody's Create Your Own Financial Plan on YouTube (Free) Cody's Youtube Channel with recordings of real client meetings 24 DIY Investor Mistakes on LinkedIn 24 DIY Investor Mistakes on X (Twitter) 2024 Bogleheads Conference Recordings on YouTube
If you enjoyed this episode, please follow the show on your podcast player and leave us a rating or review. If you want to watch, be sure to subscribe to our YouTube Channel. This helps others find the show and keeps us creating great content for you!
Disclaimer: Our content is for general education and information purposes only. We are not providing financial, legal, or tax advice. Always do your own research or consult a professional before making important decisions. | |||
| 01 Dec 2024 | Year-End Financial Wrap-Up, Tips, and Resolutions | Eric Simonson | 108 | 00:57:41 | |
Hard to believe that 2024 is almost over but before we close it out, we have some end-of-year financial tips with special guest Eric Simonson, CFP and CEO of Abundo Wealth (an advice-only financial planning firm). Eric shares insights on maximizing different types of contributions, FSAs, charitable donations, and other tax strategies. There are a few things you’ll want to check off your financial to-do list before December 31st; some have a true deadline, and others are smart things you should review every year.
Eric also clues us in on a unique service the firm offers- 'travel hacking'. They love teaching skills such as budgeting for trips, finding cost-effective travel options, and maximizing travel rewards programs for their clients.
Thank you to our sponsor:
Resources mentioned on the show: 🌐 Abundo Wealth: Advice-Only Financial Planning for Everyone End of Year Financial Checklist: The Must-Do's Eric Simonson Interview on Kitces podcast
If you enjoyed this episode, please follow the show on your podcast player and leave us a rating or review. If you want to watch, be sure to subscribe to our YouTube Channel. This helps others find the show and keeps us creating great content for you!
Disclaimer: Our content is for general education and information purposes only. We are not providing financial, legal, or tax advice. Always do your own research or consult a professional before making important decisions. | |||
| 06 Oct 2024 | From Zero to Hero: A Late Starter’s Guide to the Galaxy | Becky Heptig | 100 | 01:28:19 | |
Subscribe and Watch on YouTube Join host Bill and guest Diana Falck as they explore the intersection of community resilience and getting involved. In the wake of a recent crisis in Western North Carolina and East Tennessee, the duo highlights local relief efforts and community collaboration. Then in this special 100th episode, we get back to the basics with a step-by-step guide for late starters on the path to financial independence. Our guest for this special episode is original Catching Up to FI co-host, Becky Heptig! She joins Bill and Jackie as they share insights and guide you through how to get on track with your finances. They not only share what to do but in what order. It’s hard starting late and feeling like you’ve done everything wrong. The good news is, there is time to catch up and this is the place to start. Thank you to our sponsors: 💵 Abundo Wealth: Advice-Only Financial Planning for Everyone https://www.abundowealth.com ❌ DeleteMe: Your personal data is yours again http://joindeleteme.com/catchingup 🧑🏼🏫 Personal Finance Club (Use code CUTOFI to get $30 OFF) PFC courses https://courses.personalfinanceclub.com/?ref=0114d0 or PFC investing course only https://courses.personalfinanceclub.com/courses/build-wealth-by-investing-in-index-funds?ref=0114d0 🍑 Nectarine: Advice-Only Financial Advisors https://hellonectarine.com/r/cutfi (Catching Up to FI will be compensated by Nectarine if you use our affiliate link, which creates an incentive and conflict of interest. We are not current clients or employees of Nectarine.) 🏦 Boston Institute of Finance Personal Growth Track: Enter code catchingup to get 5% off any “Personal Growth Track” course or package http://www.bostonifi.com/personal-growth Resources mentioned on the show: (As an Amazon Associate, I earn from qualifying purchases.) Red Cross: Donate Episodes: Retiring Before Mom & Dad | Rob Berger | 25 A Hero’s Journey: The Mother of All Case Studies! | Krista and Ed Kim | 97 Enoughness: Your Life or Your Money | Vicki Robin | 95 Doña Quixote, Life Energy, and The Coming of Aging | Vicki Robin | 94 Shocking Simple Math Behind Early Retirement ~Mr. Money Mustache The Simple Path to Wealth: Your Road Map to Financial Independence and a Rich, Free Life ~JL Collins Ally High Yield Savings Account (4% as of 10/4/24 + $100 Bonus with direct deposit-by 12/31/22024) Personal Finance Club - example for late starters: https://www.personalfinanceclub.com/is-it-too-late-to-start-to-investing The Ultimate Investing Checklist: https://www.personalfinanceclub.com/the-ultimate-investing-checklist Ground Rules according to the Money Guys 2/1/24: https://moneyguy.com/article/foo 🕒 Timestamps/Chapters: 00:00 Call to Action: How You Can Help in the Disaster in North Carolina and Tennessee 05:28 Introduction 07:50 Celebrating 100 Episodes with Becky Heptig 10:52 Why People Get a Late Start in Financial Independence 17:16 Disadvantages of a Late Start 25:26 Advantages of a Late Start 38:01 Financial Order of Operations for Late Starters 44:57 Eliminating Debt: The First Step to Financial Freedom 45:57 Big Picture Wealth Building Strategies 47:27 Calculating Your Net Worth and FI Number 49:32 Increasing Income and Reducing Expenses 51:06 Playing Defense: Insurance and Protection 54:51 Offensive Strategies: Emergency Funds and Employer Matches 01:01:35 Investing Wisely: Roth IRAs, HSAs, and More 01:06:15 Risk Tolerance and Rebalancing Your Portfolio 01:10:02 Maximizing Employer Plans and Mid-Range Debts 01:12:55 Hyperaccumulation and Taxable Brokerage Accounts 01:16:06 Prepaying Future Expenses and College Funding 01:22:57 Reevaluating and Automating Your Financial Plan 01:27:09 Final Thoughts and Encouragement 🎧 Listen & Subscribe: Don't forget to subscribe to "Catching Up to FI" for more insightful episodes. Tap the bell icon 🔔 to get notified of new episodes! ✍🏻 Leave a Comment: Share your thoughts or experiences in the comments below. Have questions for our guests or the hosts? Drop them here, and we’ll get back to you! 👍🏻👍🏿 Like, Share, and Subscribe: If you enjoyed this episode, please like, share, and subscribe! Your support helps us bring more valuable content to you. Disclaimer: Our content is for general education and information purposes only. We are not providing financial, legal, or tax advice. Always do your own research or consult a professional before making important decisions. | |||
| 16 Mar 2025 | Coast FI Couple | Matt & Yana Tarr | 127 | 01:06:20 | |
Jackie is out this week, and her co-host seat is being filled by Mindy Jensen (the hostess with the mostest 😂) from the 'BiggerPockets Money' and 'Living a FI Life' podcasts. In this episode we talk with Matt and Yana Tarr, the married duo behind the 'CoastFI Couple' blog and podcast. The conversation centers around the power of Coast FI, and how open, healthy communication about money can strengthen partnerships and marriages. We also highlight their favorite budgeting and accountability tool, Qube Money and why it's such a great tool for late starters.
🌐 Visit Catching Up to FI website ☕ Like what you hear on Catching Up to FI? Support the show at "Buy Me a Coffee" 🎙️We love hearing from you! Record a Voice Message with your feedback or question Record a Voice Message with your feedback or question
=== THANK YOU TO OUR SPONSOR === 📈 Boldin (formerly NewRetirement) is our newest sponsor! Boldin is retirement planning software that's like having a financial advisor at your fingertips. With Boldin, you can: ✅ Track your savings ✅ Get personalized retirement advice based on your goals ✅ Explore investment options to grow your wealth ✅ And create a strategy that’s built for your unique needs You can get started with the free version or choose the premium option (PlannerPlus) and get a 14-day free trial. Be sure to use this link to get started: Go.boldin.com/catchingup
For a full list of our partners, sponsors and affiliates, click here: catchinguptofi.com/our-partners
RESOURCES MENTIONED ON THE SHOW: Mindy's 'Catching Up to FI Episode': From Tech Stocks to Toilet Brushes: The Jensens' FI Journey | Mindy and Carl Jensen | 071 BiggerPockets Money & Living a FI Life podcast (Mindy Jensen) Inside Out Money podcast (Maggie Tucker)
If you enjoyed this episode, please follow the show on your podcast player and leave us a rating or review. If you want to watch, be sure to subscribe to our YouTube Channel. This helps others find the show and keeps us creating great content for you!
Disclaimer: Our content is for general education and information purposes only. We are not providing financial, legal, or tax advice. Always do your own research or consult a professional before making important decisions. | |||
| 16 Apr 2023 | Do Budgets Really Suck...or Not? | Bill Yount & Becky Heptig | 010 | 00:45:39 | |
Bill and Becky take off the gloves and go to war. To budget or not to budget...that is the question. Bill is a "nerd light" tracker. Becky is an all-in spreadsheet nerd budgeter. This is a smackdown on what type of budget is best, styles, pros, cons, and apps. Listen to the end and find out how Bill budgeted for skydiving and Becky for race car driving. Thank you to our sponsors:
Resources mentioned on the show: Empower (formerly Personal Capital) Disclaimer: We are not lawyers, financial advisors, accountants or tax experts. Please consult your own professional advisors before making any important decisions. Our content is for entertainment and education purposes only. | |||
| 19 Nov 2023 | My Other Vehicle is a 401(k)! | Diana Falck | 047 | 01:07:34 | |
Diana Falck is a 52-year-old retired wife, stepmom to six, Glamma to six, and financial literacy advocate residing in Arizona. She is also on the staff of Catching Up to FI as our Facebook group administrator and social media maven. Diana has an inspiring story of persistence, diligence, and compassion. Burdened with a six-figure MBA debt for over a decade, the Chicago-born Italian was determined to become debt free and enrolled in Financial Peace University. She went gazelle intense to pay off debt, save for an emergency fund, and invest for retirement. Due to the overhaul in her life, she wanted freedom for others and volunteered in stewardship ministries and then the Financial Independence community. Diana married at 48 and went around the debt mountain for a second round. She is passionate to help and encourage late starters as the journey hits very close to home. Thank you to our sponsors:
Corrections: 12:30 Study abroad in Spain was a program that Marquette sponsored at Universidad Complutense de Madrid. 29:07 Gig was for three weeks 29:14 21 days 30:11 three weeks 42:21 2020, not 2000 49:30 Jan 2020, not Dec 2020…it took 19 months
Resources mentioned on the show: Peace Corps: The Toughest Job You'll Ever Love CURE International (Afghanistan) Geoarbitrage: Physical Presence Test Begin at 14:40 for scene: Break the Chains of Debt Legacy Drawer (Dead Box-Jeremy Personal Finance Club) Financial Literacy Education - ChooseFI The Shockingly Simple Math Behind Early Retirement Fight back and WIN - "Bankrupt" - Taylor Swift Bad Blood Parody Resources that helped Diana's/Falck's Money Journeys Apps that saved our marriage Google Calendar: shared YNAB & Nick True for YNAB Help Movies Books The Total Money Makeover ~ Dave Ramsey: For Debt ONLY ChooseFI: Your Blueprint to Financial Independence I Will Teach You to Be Rich ~ Ramit Sethi Financial Freedom ~ Grant Sabatier 48 Days to the Work You Love ~ Dan Miller Taking Stock: A Hospice Doctor's Advice on Financial Independence, Building Wealth, and Living a Regret-Free Life ~ Jordan Grumet, M.D. Diana would like to dedicate her first podcast to her late cousin, Ida and brother, Tony. If you or someone you know is struggling with addiction, help is out there, and freedom is possible. As with any program…the steps work: Disclaimer: We are not lawyers, financial advisors, accountants or tax experts. Please consult your own professional advisors before making any important decisions. Our content is for entertainment and education purposes only. | |||
| 25 May 2025 | Once Upon a FI | Paul & Amanda Mollenkopf | 144 | 00:59:30 | |
Childhood crushes can bloom into full-blown FI fairy tales, and Paul and Amanda Mollenkopf are living proof. They join us to tell their story and showcase the world premiere of Paul's first book, ‘Once Upon a FI.’ What started out as letters to his daughter grew into a delightful collection of short stories inspired by timeless classics and fables. The book is a refreshing approach to spreading the message of financial independence to even the youngest readers. The clever analogies using classic tales inspire valuable generational conversations around money and include:
🌐 Visit Catching Up to FI website ☕ Like what you hear on Catching Up to FI? Support the show at "Buy Me a Coffee" 🎙️We love hearing from you! Record a Voice Message with your feedback or question Record a Voice Message with your feedback or question
===DEALS & DISCOUNTS FROM OUR TRUSTED PARTNERS=== 🎓 Student Loan Planner: Get a custom student loan plan from our CFP®, CFA and CSLP® professionals. They charge a one-time fee for their thorough review. Our listeners receive $100 off a 1:1 consult using the link below. Flat fee is normally $595, but after your $100 off ‘Catching Up to FI’ discount, it's $495. 👉🏼 Be sure to use this link: studentloanplanner.com/catchingup
📈 Boldin (formerly NewRetirement): Retirement planning software that's like having a financial advisor at your fingertips. You can get started with the free version or choose the premium option (PlannerPlus) and get a 14-day free trial. 👉🏼 Be sure to use this link to get started: Go.boldin.com/catchingup
For a full list of current deals and discounts from our partners, sponsors and affiliates, click here: catchinguptofi.com/our-partners
RESOURCES MENTIONED ON THE SHOW: (As an Amazon Associate, I earn from qualifying purchases.)
⏰ ‘Catching Up to FI’ Episodes Enoughness: Your Life or Your Money | Vicki Robin | 95 Doña Quixote, Life Energy, and The Coming of Aging | Vicki Robin | 94 Sustainable FIlosophy with Mr. Money Mustache | Pete Adeney | 073 From Tech Stocks to Toilet Brushes: The Jensens' FI Journey | Mindy and Carl Jensen | 071 Pathfinders: Triumphs and Trials on the Road to Financial Independence | JL Collins | 070 Pathfinders: Stories of Success and Financial Independence | JL Collins | 069 Stories, Hacks, & Tribes | Brad Barrett | 021 Hard & Soft Sides of Retirement | Fritz Gilbert | 019
If you enjoyed this episode, please follow the show on your podcast player and leave us a rating or review. If you want to watch, be sure to subscribe to our YouTube Channel. This helps others find the show and keeps us creating great content for you!
⚠️Disclaimer: Our content is for general education and information purposes only. We are not providing financial, legal, or tax advice. Always do your own research or consult a professional before making important decisions. | |||
| 25 Aug 2024 | Millennial Revolution is in The House! | Kristy Shen, Bryce Leung & Little Matchstick | 93 | 01:06:57 | |
Subscribe and Watch on YouTube Kristy Shen and Bryce Leung are the dynamic duo behind the Millennial Revolution blog and movement. In this insightful episode, Kristy and Bryce discuss their journey from house-hunting to achieving Financial Independence (FI) and retiring in their early 30s. They delve into why they chose to reject traditional housing and career advice, their innovative 'POT Score' (Pay Over Tuition) method for evaluating education costs, and how they handle investments to maintain their FI lifestyle—despite new challenges like parenting. Discover their interesting perspectives on scarcity vs. abundance mindset, and how the FIRE approach has impacted their personal lives, relationships, and travel adventures. This episode is packed with financial wisdom and real-life experiences that will inspire late starters and aspiring FI enthusiasts alike. Thank you to our sponsors:
Resources mentioned on the show: (As an Amazon Associate, I earn from qualifying purchases.) 🕒 Time stamps: 00:00 The Unexpected Path to Financial Independence 00:24 Challenging Traditional Financial Advice 02:20 Introduction to the Guests: Christy Shen and Bryce Leung 04:53 Parenting and Financial Independence 05:52 Financial Strategies for Raising a Child 07:19 The Importance of Geographic Arbitrage 09:42 The Pay Over Tuition (POT) Score Explained 12:14 Balancing Financial Independence with Family Priorities 17:36 The Impact of FIRE on Personal Relationships 19:08 Scarcity Mindset as a Superpower 25:52 Overcoming the Fear of Investing 28:15 Investment Strategies for Canadians 34:07 Mitigating Sequence of Return Risk 36:32 Navigating Early Retirement Challenges 38:50 Understanding Yield Shield Components 45:57 Philosophy on Housing and FIRE 50:46 The Rule of 150 for Housing Costs 56:09 Adapting and Overcoming Challenges 01:00:19 Diversity in Books and Personal Finance 01:03:14 Final Thoughts and Reflections Disclaimer: We are not lawyers, financial advisors, accountants or tax experts. Please consult your own professional advisors before making any important decisions. Our content is for entertainment and education purposes only. | |||
| 02 Mar 2025 | “The Risk Parity Paradox” an Exercise in Simple Complexity? | Frank Vasquez | 124 | 01:13:32 | |
Frank Vasquez (also affectionately known as Uncle Frank) is a mostly retired lawyer and host of the 'Risk Parity Radio' podcast. In this episode, he gives us a dose of his investing wisdom complete with his unique 'SpongeBob' sense of humor. We discuss financial independence (FI) in the older years, emphasizing the importance of enjoying the fruits of your labor after decades of saving. We explore diversified portfolios, the principles of risk parity, and introduce listeners to various investment approaches such as the 'Golden Butterfly' and 'Golden Ratio' portfolios. Frank also shares his thoughts on the shortcomings of traditional personal finance gurus, who often fail to provide viable strategies for retirement spending.
🌐 Visit Catching Up to FI website ☕ Like what you hear on Catching Up to FI? Support the show at "Buy Me a Coffee" 🎙️We love hearing from you! Record a Voice Message with your feedback or question Record a Voice Message with your feedback or question
=== THANK YOU TO OUR SPONSORS === 📈 Boldin (formerly NewRetirement) is our newest sponsor! Boldin is retirement planning software that's like having a financial advisor at your fingertips. With Boldin, you can: ✅ Track your savings ✅ Get personalized retirement advice based on your goals ✅ Explore investment options to grow your wealth ✅ And create a strategy that’s built for your unique needs You can get started with the free version or choose the premium option (PlannerPlus) and get a 14-day free trial. Be sure to use this link to get started: Go.boldin.com/catchingup
💵Student Loan Planner Flat fee for a one-on-one consultation is normally $595, but after your $100 off ‘Catching Up to FI’ discount, it's $495. 👉🏼 Be sure to use this link: link
For a full list of our partners, sponsors and affiliates, click here: catchinguptofi.com/our-partners
Resources mentioned on the show: (As an Amazon Associate, I earn from qualifying purchases.) Portfolio Charts https://portfoliocharts.com/ Charity: Father McKenna Center
SpongeBob and Drawdown Strategies | Frank Vasquez | 044 Sequence of Returns Risk: What Every Retiree Needs to Know | Karsten Jeske | 106
If you enjoyed this episode, please follow the show on your podcast player and leave us a rating or review. If you want to watch, be sure to subscribe to our YouTube Channel. This helps others find the show and keeps us creating great content for you!
Disclaimer: Our content is for general education and information purposes only. We are not providing financial, legal, or tax advice. Always do your own research or consult a professional before making important decisions. | |||
| 10 Dec 2023 | International Living | Jeff Opdyke | 050 | 01:08:04 | |
Bill and returning guest co-host, Jackie, sit down with Jeff Opdyke to talk about raising financially savvy children as well as the pros and cons of living internationally. Jeff was born and raised in South Louisiana but grew up traveling the world and has never really stopped. He spent 17 years covering personal finance and investing for The Wall Street Journal, and seven years writing the Journal's nationally syndicated “Love & Money” column that chronicled the real ways personal finances and personal relationships clash. Jeff has traveled to more than 70 countries and currently works as a digital nomad living and writing from Cascais, Portugal about retirement lifestyle, travel, and global investing. Jeff Opdyke is the editor of The Global Intelligence Letter and contributor to International Living. Thank you to our sponsors:
Resources mentioned on the show: Replay: Your Second Chance to Invest in the American Dream by Jeff Opdyke Financially Ever After: The Couples' Guide to Managing Money by Jeff Opdyke Bite Your Tongue Podcast Episode 2: MONEY...and Your Adult Children! Money Letters 2 My Daughter by Jackie Cummings Koski International Living Conferences Disclaimer: We are not lawyers, financial advisors, accountants or tax experts. Please consult your own professional advisors before making any important decisions. Our content is for entertainment and education purposes only. | |||
| 30 Jun 2024 | The Power of Reinvention with The Financial Tortoise | Tae Kim | 084 | 01:00:47 | |
Tae Kim, also known as the Financial Tortoise online, is a former U.S. Army captain, MBA graduate, and finance director turned successful personal finance YouTuber. He shares his journey from being $105,000 in student debt to achieving financial security and discovering the Financial Independence movement. Tae chats with Bill and Jackie about his experience reinventing himself, the importance of slow and steady progress, prioritizing values over materialism, and overcoming financial mistakes. Thank you to our sponsors:
🎙️SquadCast: The Cloud Recording Studio that Producers, Listeners, Guests, Creators, YouTubers Love & Trust Catching Up to FI will be compensated by Nectarine if you use our affiliate link, which creates an incentive and conflict of interest. We are not current clients or employees of Nectarine. Resources mentioned on the show: “Spend confidently on the things you love, and cut back mercilessly on the things you don’t.” - Ramit Sethi 40 Reasons Why Life Gets Better After 40 40 Things I Realized After I Turned 40 Dr. Bobby Talks Healthspan | Dr. Bobby Dubois | 059 Disclaimer: We are not lawyers, financial advisors, accountants or tax experts. Please consult your own professional advisors before making any important decisions. Our content is for entertainment and education purposes only. | |||
| 11 Aug 2024 | Stacking Washingtons in Joe’s Mom’s Basement and The Efficient Frontier | Joe Saul-Sehy | 091 | 01:12:04 | |
Subscribe and Watch on YouTube Joe Saul-Sehy of Stacking Benjamins joins the show to discuss financial planning, overcoming debt, and the importance of surrounding yourself with the right people. Joe shares his personal journey of financial mismanagement as a young financial planner, the principles behind the efficient frontier, and his thoughts on target date funds. Tune in to learn and laugh with Joe, Bill, and Jackie. Thank you to our sponsors:
🎙️SquadCast: The Cloud Recording Studio that Producers, Listeners, Guests, Creators, YouTubers Love & Trust
Modern Husbands Marriage Toolkit: Empowers couples with evidence based ideas from 40+ of the nation’s leading experts in managing money and the home as a team.
 Real Talk Finance: Create a solid foundation and take control of your future
 DeleteMe: Your personal data is yours again
Resources mentioned on the show: (As an Amazon Associate, I earn from qualifying purchases.) 👕 Stacking Benjamins T-shirts!: HTTP://stackingbenjamins.com/shirts 📕 STACKED: Your Super Serious Guide to Modern Money Management 👉🏻 https://amzn.to/3YlJAXB The Shockingly Simple Math Behind Early Retirement The Simple Path to Wealth by JL Collins Timestamps: 00:00 Living Two Lies: The Money Myth
Disclaimer: We are not lawyers, financial advisors, accountants or tax experts. Please consult your own professional advisors before making any important decisions. Our content is for entertainment and education purposes only. | |||
| 17 Nov 2024 | Sequence of Returns Risk: What Every Retiree Needs to Know | Karsten Jeske | 106 | 01:16:31 | |
Karsten Jeske also known as “Big ERN” is the founder and genius behind Early Retirement Now. He writes on all topics related to personal finance but is best known for his comprehensive series on safe withdrawal strategies. In this episode he dives deep into the intricacies of safe withdrawal rates, sequence of return risk, the importance of market valuations for retirees and the 'one more year' syndrome often discussed in the Financial Independence community. Karsten also shares his personal journey from a modest upbringing in Germany to early retirement in the U.S.
Thank you to our sponsor:
Resources mentioned on the show: The Safe Withdrawal Rate Series Ten things the “Makers” of the 4% Rule don’t want you to know (SWR Series Part 26) Karsten on Two Sides of FI YouTube
If you enjoyed this episode, please follow the show on your podcast player and leave us a rating or review. This helps others find the show and keeps us creating great content for you!
Disclaimer: Our content is for general education and information purposes only. We are not providing financial, legal, or tax advice. Always do your own research or consult a professional before making important decisions. | |||
| 20 Oct 2024 | Beyond the Alphabet Soup: Expert Tips for Mastering Medicare & Avoiding Pitfalls | Danielle Roberts | 102 | 01:19:32 | |
This episode explores the intricate and confusing world of Medicare with leading expert Danielle Roberts. Danielle is founding partner at Boomer Benefits, an agency that has helped thousands of ordinary Americans learn and navigate their entry into Medicare since 2005. She's also author of the bestselling book '10 Costly Medicare Mistakes You Can't Afford to Make'. Danielle breaks through the confusion and explains Medicare's history, enrollment rules, Parts A, B, C, and D, and the differences between Medigap and Medicare Advantage plans. Discover the importance of early planning, common pitfalls to avoid, and critical decisions about Medicare coverage.
Thank you to our sponsors:
Resources mentioned on the show: (As an Amazon Associate, I earn from qualifying purchases.) 🌐 Boomer Benefits Website: https://boomerbenefits.com Boomer Benefits YouTube Channel: https://youtube.com/@boomerbenefits Boomer Benefits Facebook Group: https://m.facebook.com/groups/BoomerBenefits/ 📗 10 Costly Medicare Mistakes You Can't Afford to Make: https://amzn.to/3BLdL1b
Catching Up to FI Health Savings Account Episode Part 1, Episode 98: https://www.youtube.com/watch?v=8vaUH8UfPTQ&t=3629s Catching Up to FI Health Savings Account Episode Part 2, Episode 99: https://www.youtube.com/watch?v=36S67X4s4pc&t=8s
🕒 Timestamps/Chapters: 00:00 Introduction to Medicare Planning 00:25 Common Medicare Mistakes 01:28 Welcome to Catching Up to FI 02:04 Shoutouts and Acknowledgements 03:31 Introducing Danielle Roberts 05:31 History and Evolution of Medicare 07:59 Medicare Eligibility and Enrollment 10:55 Understanding Medicare Parts A and B 18:40 Medicare Part D: Drug Coverage 27:24 Medigap Plans Explained 36:56 Medicare Advantage Plans 42:17 Understanding Medigap and Medicare Advantage Plans 44:00 Cost Savings with Medicare Advantage 45:21 Tips for Medicare Advantage Plan Holders 46:57 Using HSA Dollars for Medicare Premiums 50:56 Common Medicare Mistakes to Avoid 01:08:22 The Importance of Reviewing Your Coverage Annually 01:12:19 Final Thoughts and Future of Medicare
Disclaimer: Our content is for general education and information purposes only. We are not providing financial, legal, or tax advice. Always do your own research or consult a professional before making important decisions. | |||
| 29 Dec 2024 | Weathering Financial Storms | Kristen Knapp | 114 | 01:04:29 | |
After 28 years of playing the weather girl on TV, Kristen Knapp moved to part time work to follow her passion for travel planning for the financial independence (FI) community. She shares her fascinating backstory of growing up in poverty, dealing with childhood money trauma, becoming a successful broadcast meteorologist, and ultimately achieving FI. As someone who loves to travel, loves to plan travel, and loves spending time with the FI community, she thought why not combine those things? So, she launched a new venture called 'FI Friends Travel' which offers travel experiences that bring the FI Community together to see the world! Join us as Kristen takes us through how she made this unlikely transformation, even after getting a late start.
Thank you to our sponsor: Resources mentioned on the show: Email: kristen@fifriendstravel.com Episode Mentioned: From Poverty to Wealth and Early Retirement | Jackie Cummings Koski | 007
If you enjoyed this episode, please follow the show on your podcast player and leave us a rating or review. If you want to watch, be sure to subscribe to our YouTube Channel. This helps others find the show and keeps us creating great content for you!
Disclaimer: Our content is for general education and information purposes only. We are not providing financial, legal, or tax advice. Always do your own research or consult a professional before making important decisions. | |||
| 23 Apr 2023 | Coins & Couch Cushions | Jennifer Allen | 011 | 00:58:05 | |
Jennifer Allen, a Catching Up to FI Facebook community member, joins us for her first podcast! We talk about her journey to FI in her early 50s from a health scare wake-up call at 40. We touch on topics like spousal buy-in, geo-arbitrage, FI healthcare prior to Medicare, tax and income optimization in retirement, and IRMAA, among many others. Thank you to our sponsors:
Resources mentioned on the show: Mr. Money Mustache - The Shockingly Simple Math Behind Early Retirement Empower (formerly Personal Capital) Disclaimer: We are not lawyers, financial advisors, accountants or tax experts. Please consult your own professional advisors before making any important decisions. Our content is for entertainment and education purposes only. | |||
| 26 Jan 2025 | Leaning Out: Cracking the Burnout Code | Dawn Baker | 119 | 00:53:34 | |
Ever felt burnout creeping into your life? Then join us for this discussion about tackling the widespread issue of burnout with Dr. Dawn Baker, author of the book 'Lean Out'. Discover practical advice for high-powered professionals struggling with exhaustion, cynicism, and lack of motivation. Whether you're an overworked physician, a stressed corporate employee, or overloaded entrepreneur, this episode will give you actionable tips to help you regain balance and find fulfillment.
🔥🔥🔥 Check out these discounts from our new partners:
💰MyBudgetCoach MyBudgetCoach is the only budgeting app to connect every user with a real-life coach from Day 1. You pick the coach that resonates most with you from their directory. Unlock 35 Days of free financial coaching and start making Smart Money Moves plus receive 10% off subscription costs by entering code: Catchingup
🎓 Student Loan Planner Get a custom student loan plan from our CFP®, CFA and CSLP® professionals. They charge a one-time fee for their thorough review. Our listeners receive $100 off a 1:1 consult using the link below. Flat fee is normally $595, but after your $100 off ‘Catching Up to FI’ discount, it's $495. 👉🏼 Be sure to use this link: studentloanplanner.com/catchingup
For a full list of our partners, sponsors and affiliates, click here: catchinguptofi.com/our-partners
Resources mentioned on the show: (As an Amazon Associate, I earn from qualifying purchases.) In the Line of FIRE | Escaping Avalon | 090 Money Zen | Manisha Thakor | 055 📕The Purpose Code: How to unlock meaning, maximize happiness, and leave a lasting legacy ~Jordan Grumet If you enjoyed this episode, please follow the show on your podcast player and leave us a rating or review. If you want to watch, be sure to subscribe to our YouTube Channel. This helps others find the show and keeps us creating great content for you!
Disclaimer: Our content is for general education and information purposes only. We are not providing financial, legal, or tax advice. Always do your own research or consult a professional before making important decisions. | |||
| 18 Aug 2024 | Twin Towers: Lessons in Financial Freedom from Wall Street to Main Street | The Wealth Twins | 92 | 01:14:24 | |
Subscribe and Watch on YouTube Meet Nadia and Nicole, the Wealth Twins! Raised by a single mother in New York City's toughest projects, these twin sisters overcame obstacles to graduate from Columbia University, work on Wall Street, and ultimately achieve early retirement. In this episode, they recount experiences from 9/11 and the 2008 financial crisis, discuss multifamily real estate and dividend investing strategies, and offer practical tips for late financial starters. Learn how they built the Wealth Twins platform to share their knowledge and drive towards financial independence. Thank you to our sponsors:
🎙️SquadCast: The Cloud Recording Studio that Producers, Listeners, Guests, Creators, YouTubers Love & Trust
Modern Husbands Marriage Toolkit: Empowers couples with evidence based ideas from 40+ of the nation’s leading experts in managing money and the home as a team. Real Talk Finance: Create a solid foundation and take control of your futureResources mentioned on the show: ⓕ Facebook Broke to Financially Independent Retire Early in Less Than 10 years What To Do When You Are Investing For Retirement Later In Life
Top 5 ETFs to Buy for High Dividends and Passive Income
What is Dividend Investing and How to Start (3 Easy Strategies)
How to Invest – 7 Mistakes Beginner Investors Make
A Guided Meditation for When the Stock Market Is Dropping
Time stamps:
00:00 Defying Expectations: From Guidance Counselor Doubts to Ivy League Success 00:40 Avoiding Financial Scams: Tips for Beginners02:29 Introduction to Catching Up to FI: Meet the Hosts and Guests 03:24 The Wealth Twins: From Humble Beginnings to Financial Independence 05:39 Discovering Twin Identity: The Twins Festival Experience
09:17 Money Management: Different Approaches to Saving and Spending
12:40 The Influence of a Single Mom: Education and Financial Lessons
18:14 Navigating Tragedy: 9/11 and the Financial Crisis
31:50 Building Passive Income: Real Estate, Dividends, and Entrepreneurship
36:36 Budgeting for Business and Personal Finances
37:03 Investing Together: Sharing Knowledge and Strategies
37:57 Real Estate and Business Management Insights
40:07 Principles of Financial Independence
41:45 The Wealth Twins: Origin and Mission
46:17 Dividend Investing Explained
56:25 Common Investing Mistakes to Avoid
01:11:21 Final Tips and Encouragement for Late Starters
Disclaimer: We are not lawyers, financial advisors, accountants or tax experts. Please consult your own professional advisors before making any important decisions. Our content is for entertainment and education purposes only. | |||
| 21 Jan 2024 | Simplicity, Empathy, Leadership, Robots, Oh My! | Jeremy Schneider | 056 | 01:25:21 | |
Jeremy Schneider is the passionate financial educator behind Personal Finance Club and the innovative platform Nectarine. Jeremy shares his unique perspective on the simplicity of financial success, underscored by his simple rules - 'live below your means' and 'invest early and often.' We delve into the value of robo-advisors versus human advisors, Jeremy’s thoughtful approach to constructing a portfolio, his views on cryptocurrency, and the common financial mistakes he witnessed over the years. Plus, you'll hear about Jeremy's newest venture that democratizes access to financial advice and his clear stance on avoiding the pitfalls of lifestyle creep and complex investing. Thank you to our sponsors:
Resources mentioned on the show: Disclaimer: We are not lawyers, financial advisors, accountants or tax experts. Please consult your own professional advisors before making any important decisions. Our content is for entertainment and education purposes only. | |||
| 04 Jun 2025 | 🥳Celebrating 1 Million Downloads- Thank You! | Bill & Jackie | 146 | 00:07:54 | |
We just hit 1 Million Podcast Downloads... that puts us in the top 1% of podcasts world wide!!! And we have you to thank 💞 This is a special message from Bill and Jackie to everyone that helped the podcast grow to this level. We are so grateful for the support and looking forward to the next million downloads with our regular Sunday episodes and occasional pop-up episodes on Wednesdays. 🌐 Visit Catching Up to FI website ☕ Like what you hear on Catching Up to FI? Support the show at "Buy Me a Coffee" 🎙️We love hearing from you! Record a Voice Message with your feedback or question Record a Voice Message with your feedback or question
===DEALS & DISCOUNTS FROM OUR TRUSTED PARTNERS=== For a full list of current deals and discounts from our partners, sponsors and affiliates, click here: catchinguptofi.com/our-partners
If you enjoyed this episode, please follow the show on your podcast player and leave us a rating or review. If you want to watch, be sure to subscribe to our YouTube Channel. This helps others find the show and keeps us creating great content for you!
⚠️Disclaimer: Our content is for general education and information purposes only. We are not providing financial, legal, or tax advice. Always do your own research or consult a professional before making important decisions. | |||
| 24 Nov 2024 | Finding the Sweet Spot: Financial Literacy Meets Psychology | Jack Howard From Ally at FinCon | 107 | 01:08:47 | |
Our guest today is Jacqueline (Jack) Howard, head of Money Wellness at Ally Financial, a leading voice in financial health & wellness, and fierce change maker. We are thrilled to bring you this special episode recorded live from FinCon 2024 in Atlanta, GA! It's no secret that we love Ally and talk about them often on the podcast. From the high yield savings accounts to the cool buckets that are perfect for allocating your sinking funds, they're our favorite. But what really blew us away in this interview was Jack's money story and how it led to her incredible work as the face of financial wellness at Ally. Jack blends personal finance and psychology to help people achieve holistic financial well-being that helps shift their perspective on money. She shares more about Ally's newest community initiative, Money Roots, a free financial education program designed to help people uncover the 'why' behind their money behaviors. Jack also gets vulnerable with us as she shares her own resilient story of the loss of her mother as a young girl and winning her heroic battle against breast cancer. With her giving spirit, she proudly served as chair of the Making Strides Against Breast Cancer of Detroit in 2023 and 2024. Special thanks to LLC Attorney for sponsoring the Podcast booth at FinCon 2024.
Thank you to our sponsor:
Resources mentioned on the show: 🌐 Ally.com Sign up for free Ally ‘Money Roots’ Virtual Workshop 5 steps to uncover your money story Jack's appearance on the show 'Side Hustlers' (Episode 2) Catching Up to FI Episode: Sinking Funds Are Sexy | Bill Yount & Becky Heptig | 003 Support Jack’s favorite charity: Making Strides Against Breast Cancer of Detroit (Search on 'Jacqueline Howard')
If you enjoyed this episode, please follow the show on your podcast player and leave us a rating or review. This helps others find the show and keeps us creating great content for you!
Disclaimer: Our content is for general education and information purposes only. We are not providing financial, legal, or tax advice. Always do your own research or consult a professional before making important decisions. | |||
| 09 Jul 2023 | F-You Money Part 1 | JL Collins | 023 | 01:03:18 | |
THE JL Collins is the author of THE Simple Path to Wealth and aptly named the "Godfather of FI". For over 600,000 readers, his first book has become a sort of "Bible of FI". He is a humble spokesperson for those on their own personal journey to financial independence. In Part 1 of our conversation, we talk with him about his own journey and his thoughts on real estate and index fund investing. We start the show with R-Rated audio from the popular JL Collins parody of a John Goodman clip from the movie "The Gambler", "The Position of F**k You". Thank you to our sponsors:
Resources mentioned on the show: The Position of F@#% You, JL Collins tribute to The Gambler with John Goodman How I Lost Money in Real Estate Before It Was Fashionable: A Cautionary Tale by JL Collins The Stock Series by JL Collins The Simple Path to Wealth, JL Collins talks at Google Why Your House is a Terrible Investment Roots vs Wings: Considering Home Ownership Rent vs Owning Your Home: Opportunity Cost and Running Some Numbers Time Machine and the Future Returns for Stocks Disclaimer: We are not lawyers, financial advisors, accountants or tax experts. Please consult your own professional advisors before making any important decisions. Our content is for entertainment and education purposes only. | |||
| 09 Apr 2023 | We're Talking Millions! Part 2 | Paul Merriman | 009 | 00:47:02 | |
This is Part 2 of a conversation with Paul Merriman about his book We're Talking Millions! Part 1 is Episode 8. Here we talk about Dollar Cost Averaging, managing taxes, Target-date funds, Small Cap Value, rebalancing, and more. Paul is an expert on index funds and asset allocation. He is a passionate educator focused on helping individual and DIY investors. Thank you to our sponsors:
Resources mentioned on the show: (As an Amazon Associate, I earn from qualifying purchases.) 📗 We're Talking Millions!: 12 Simple Ways to Supercharge Your Retirement Disclaimer: We are not lawyers, financial advisors, accountants or tax experts. Please consult your own professional advisors before making any important decisions. Our content is for entertainment and education purposes only. | |||
| 04 Dec 2024 | Childfree Wealth and Life Planning | Dr. Jay Zigmont | 109 | 00:47:28 | |
In this episode we turn the tables as Bill joins Dr. Jay Zigmont, CFP on the Childfree Wealth podcast. Bill shares his journey as a late starter physician who lived largely a paycheck-to-paycheck existence until waking up at age 50. He now co-hosts the 'Catching Up to FI' podcast to help other late starters. Jay is the author of the upcoming book ' founder of Childfree Wealth, a financial planning firm that addresses the needs of childfree people in a way that traditional financial companies don’t. Jay and Bill cover topics like investing, long-term care, and preparing for unexpected medical emergencies.
Thank you to our sponsor:
Resources mentioned on the show:
If you enjoyed this episode, please follow the show on your podcast player and leave us a rating or review. If you want to watch, be sure to subscribe to our YouTube Channel. This helps others find the show and keeps us creating great content for you!
Disclaimer: Our content is for general education and information purposes only. We are not providing financial, legal, or tax advice. Always do your own research or consult a professional before making important decisions. | |||
| 02 Apr 2025 | Financial Literacy and Mastering the Million Dollar Decisions | Paul Merriman | 132 | 00:33:44 | |
April is Financial Literacy Month, and to help us celebrate we brought in a returning guest, Paul Merriman. Paul has been on the show before to discuss investment portfolios, but today he talks with us about some extraordinary strides he's making as a financial literacy advocate through his nonprofit, The Merriman Financial Education Foundation. We also share some of our favorite financial literacy resources.
☕ Like what you hear on Catching Up to FI? Support the show at "Buy Me a Coffee" 🎙️We love hearing from you! Record a Voice Message with your feedback or question Record a Voice Message with your feedback or question
=== THANK YOU TO OUR SPONSOR === 📈 Boldin (formerly NewRetirement) is our newest sponsor! Boldin is retirement planning software that's like having a financial advisor at your fingertips. With Boldin, you can: ✅ Track your savings ✅ Get personalized retirement advice based on your goals ✅ Explore investment options to grow your wealth ✅ And create a strategy that’s built for your unique needs You can get started with the free version or choose the premium option (PlannerPlus) and get a 14-day free trial. Be sure to use this link to get started: Go.boldin.com/catchingup For a full list of our partners, sponsors and affiliates, click here: catchinguptofi.com/our-partners
RESOURCES MENTIONED ON THE SHOW: Merriman Financial Literacy Program at Western Washington University The John C. Bogle Center for Financial Literacy ‘Catching Up to FI’ Episodes: We're Talking Millions! Part 1 | Paul Merriman | 008 We're Talking Millions! Part 2 | Paul Merriman | 009 Celebrating Financial Literacy Month with Next Gen Personal Finance | Tim Ranzetta | 072
If you enjoyed this episode, please follow the show on your podcast player and leave us a rating or review. If you want to watch, be sure to subscribe to our YouTube Channel. This helps others find the show and keeps us creating great content for you!
⚠️Disclaimer: Our content is for general education and information purposes only. We are not providing financial, legal, or tax advice. Always do your own research or consult a professional before making important decisions. | |||
| 02 Feb 2023 | Catching up to FI Intro & Meet the Hosts | 000 | 00:05:01 | |
Bill & Becky are late starters on the journey to financial independence. They introduce the show and give a glimpse of what to expect. Thank you to our sponsors:
Resources mentioned on the show: Disclaimer: We are not lawyers, financial advisors, accountants or tax experts. Please consult your own professional advisors before making any important decisions. Our content is for entertainment and education purposes only. | |||
| 11 Jun 2023 | Hard & Soft Sides of Retirement | Fritz Gilbert | 019 | 01:29:40 | |
Fritz Gilbert is the author of the popular blog The Retirement Manifesto with over 13,000 subscribers. He takes us on his journey to retirement in his fifties and discusses the hard (monetary) and soft (non-monetary) sides of retirement. He emphasizes the importance of both and that the numbers are the easy part making up only really 20% of the journey to time freedom. We discuss the "what are you going to do with your freedom" when you get there and when you should start that transition. This is a long one, but you are gonna want to hear it all. Thank you to our sponsors:
Resources mentioned on the show: (As an Amazon Associate, I earn from qualifying purchases.) How To Do A Backdoor Roth IRA, White Coat Investor Are Safe Withdrawal Rates Ridiculous Wade Pfau Retirement Researcher Our Retirement Investment Drawdown Strategy, The Retirement Manifesto Blog Is The Bucket Strategy a Cheap Gimmick, The Retirement Manifesto Blog It's Never Too Late To Save For Retirement, The Retirement Manifesto Blog Freedom For Fido Facebook Page Disclaimer: We are not lawyers, financial advisors, accountants or tax experts. Please consult your own professional advisors before making any important decisions. Our content is for entertainment and education purposes only. | |||
| 01 Jun 2025 | Good Times with rich & REGULAR | Julien and Kiersten Saunders | 145 | 01:13:59 | |
In this episode we are joined by Julien and Kiersten Saunders, co-creators of rich & REGULAR and authors of 'Cashing Out: Win the Wealth Game by Walking Away'. What started as a blog in 2017 has grown into a multimedia powerhouse, all centered around their mission… to inspire better conversations about money. Hear why Julien walked out of corporate life before he had 'FU money,' and how Kiersten's Valentine's Day resignation collided with the pandemic. They also talk to us about:
📩 Sign up for our newsletter NEW! 🌐 Visit Catching Up to FI website ☕ Like what you hear on Catching Up to FI? Support the show at "Buy Me a Coffee" 🎙️We love hearing from you! Record a Voice Message with your feedback or question Record a Voice Message with your feedback or question
===DEALS & DISCOUNTS FROM OUR TRUSTED PARTNERS=== 🎓 Student Loan Planner: Get a custom student loan plan from our CFP®, CFA and CSLP® professionals. They charge a one-time fee for their thorough review. Our listeners receive $100 off a 1:1 consult using the link below. Flat fee is normally $595, but after your $100 off ‘Catching Up to FI’ discount, it's $495. 👉🏼 Be sure to use this link: studentloanplanner.com/catchingup
📈 Boldin (formerly NewRetirement): Retirement planning software that's like having a financial advisor at your fingertips. You can get started with the free version or choose the premium option (PlannerPlus) and get a 14-day free trial. 👉🏼 Be sure to use this link to get started: Go.boldin.com/catchingup
For a full list of current deals and discounts from our partners, sponsors and affiliates, click here: catchinguptofi.com/our-partners
RESOURCES MENTIONED ON THE SHOW: (As an Amazon Associate, I earn from qualifying purchases.) 📗Cashing Out: Win the Wealth Game by Walking Away rich & REGULAR YouTube Episode 199: The late starters guide to investing after 40 rich & REGULAR: Taste the Impact | The Money Behind Every Meal Julien's talk at EconoMe Conference MarketWatch FIRE Starters video profiling rich & REGULAR
⏰ ‘Catching Up to FI’ Episodes referenced Vote Your Money: Values Aligned Investing | Janine Firpo | 139 Mom and Dad, We Need to Talk | Cameron Huddleston | 048
If you enjoyed this episode, please follow the show on your podcast player and leave us a rating or review. If you want to watch, be sure to subscribe to our YouTube Channel. This helps others find the show and keeps us creating great content for you!
⚠️Disclaimer: Our content is for general education and information purposes only. We are not providing financial, legal, or tax advice. Always do your own research or consult a professional before making important decisions. | |||
| 18 Feb 2024 | Reflections and The Big Reveal! | Bill Yount & Becky Heptig | 060 | 01:04:29 | |
This week is a bittersweet episode for the Catching Up to FI team as our beloved friend and co-host, Becky, announces she’s stepping down from the podcast next month in order to pursue other aspirations during her go-go years of retirement as well as spend more time with her grandkids. While she may not be asking questions on the podcast, be sure to look for Becky in the Facebook group and FI community as she will be present and active in those spaces. Becky, we want to thank you for all you’ve done to mold the Catching Up to FI community, foster meaningful and educational conversations, and give practical yet compassionate advice to all of us in the financial independence space. Your dedication, spark, and humor will be missed on the podcast but we can’t wait to see where life takes you in the coming years. Although we cannot replace Becky, we are excited to welcome the lovely and joyful Jackie Cummings Koski to the show! Jackie is a transparent financial educator and author of "Money Letters to My Daughter" (and upcoming book, "F.I.R.E. for Dummies"). She has helped Bill co-host as a guest on previous episodes and is excited to jump into the seat full time. Bill and Jackie are cooking up some tasty future episodes, so be sure to stay tuned! Thank you to our sponsors:
Resources mentioned on the show: Money Letters 2 My Daughter by Jackie Cummings Koski Disclaimer: We are not lawyers, financial advisors, accountants or tax experts. Please consult your own professional advisors before making any important decisions. Our content is for entertainment and education purposes only. | |||
| 04 Jun 2023 | Avocado Toast & Guardians of the Galaxy | Amy Coroso | 018 | 01:00:28 | |
Amy Coroso is a passionate advocate for women's financial literacy and retirement equality. She is a divorced single mother of two boys with a middle income who woke up in her mid-forties to face her own financial illiteracy and poor planning. She is now on track to reach financial freedom at 59. She is also a brand new author and financial coach. She has turned her financial weaknesses into the superpower of helping others build their financial muscles. This is her first podcast guest appearance ever! Thank you to our sponsors:
Resources mentioned on the show: CBS News Article, The Shocking Reality for US Moms, Half Have No Retirement Savings Tardus Wealth Strategies Income Snowball National Financial Education Council Amy's email: amy@ajcpublications.com Disclaimer: We are not lawyers, financial advisors, accountants or tax experts. Please consult your own professional advisors before making any important decisions. Our content is for entertainment and education purposes only. | |||
| 31 Mar 2024 | Don't Miss Out On Today | Mark Ross | 068 | 01:11:16 | |
Mark Ross is a retired executive and a rewired encorepreneur. Mark shares his journey from a traditional career into retirement and how he shaped a fulfilling post-retirement life through diversifying his interests, categorizing his work into things he does for a fee, for free, and just for himself. Through his personal story, he highlights the importance of a growth mindset, staying curious, and building relationships. This episode also marks a bittersweet moment as Becky says her final goodbye as co-host, but we will see her around the community. Thank you for everything, Becky! Thank you to our sponsors:
Catching Up to FI will be compensated by Nectarine if you use our affiliate link, which creates an incentive and conflict of interest. We are not current clients or employees of Nectarine. Resources mentioned on the show: As an Amazon Associate, I earn from qualifying purchases. 48 Days to the Work You Love by Dan Miller Mindset: The New Psychology of Success by Carol S. Dweck Dr. Bobby Talks Healthspan | Dr. Bobby Dubois | 059 Disclaimer: We are not lawyers, financial advisors, accountants or tax experts. Please consult your own professional advisors before making any important decisions. Our content is for entertainment and education purposes only. | |||
| 03 Jul 2024 | Better Late Than Never: A Step By Step Guide Part 2 | BiggerPockets Podcast | 085 | 00:58:40 | |
Here is the second half of Bill and Jackie’s conversation with Mindy and Scott on the BiggerPockets Money Podcast. They dig into the practical steps on how to start your financial journey as a late-starter. Enjoy! Thank you to our sponsors:
🎙️SquadCast: The Cloud Recording Studio that Producers, Listeners, Guests, Creators, YouTubers Love & Trust Catching Up to FI will be compensated by Nectarine if you use our affiliate link, which creates an incentive and conflict of interest. We are not current clients or employees of Nectarine. Resources mentioned on the show: The Shockingly Simple Math to Early Retirement, Mr. Money Mustache Annual Report of the Supplemental Security Income Program, May 2024 Rethink Social Security: Myths, Benefits, and Clearing Up Misconceptions Retiring Before Mom & Dad | Rob Berger | 025 HSA - The Ultimate Retirement Account, Mad FIentist Year End Tax Planning | Sean Mullaney | 045 Disclaimer: We are not lawyers, financial advisors, accountants or tax experts. Please consult your own professional advisors before making any important decisions. Our content is for entertainment and education purposes only. | |||
| 26 Mar 2025 | Discipline Is Hard To Maintain In The Heat of Battle | Bill Yount | 130 | 00:43:51 | |
'Catching Up to FI' founder and co-host, Bill Yount, appeared as a guest on the EverydayFI podcast with host Meghan Combs. The show explores the lives and stories of everyday people in the financial independence community so Bill opens up about his FI journey as a late starter. He of course represents our Catching Up to FI community. He had a lot to say so this is the second part of a two-part episode. The first part was aired last Wednesday (episode 128) so be sure to check it out.
🌐 Visit Catching Up to FI website ☕ Like what you hear on Catching Up to FI? Support the show at "Buy Me a Coffee" 🎙️We love hearing from you! Record a Voice Message with your feedback or question Record a Voice Message with your feedback or question
=== THANK YOU TO OUR SPONSOR === 📈 Boldin (formerly NewRetirement) is our newest sponsor! Boldin is retirement planning software that's like having a financial advisor at your fingertips. With Boldin, you can: ✅ Track your savings ✅ Get personalized retirement advice based on your goals ✅ Explore investment options to grow your wealth ✅ And create a strategy that’s built for your unique needs You can get started with the free version or choose the premium option (PlannerPlus) and get a 14-day free trial. Be sure to use this link to get started: Go.boldin.com/catchingup
For a full list of our partners, sponsors and affiliates, click here: catchinguptofi.com/our-partners
Resources mentioned on the show: (As an Amazon Associate, I earn from qualifying purchases.)
If you enjoyed this episode, please follow the show on your podcast player and leave us a rating or review. If you want to watch, be sure to subscribe to our YouTube Channel. This helps others find the show and keeps us creating great content for you!
Disclaimer: Our content is for general education and information purposes only. We are not providing financial, legal, or tax advice. Always do your own research or consult a professional before making important decisions. | |||
