Catching Up to FI – Détails, épisodes et analyse

If you're within ten years of retirement (early or traditional age) or just want to get a head start on going from being a saver to a spender, this episode is for you. Decumulation without drama—that's the mission as retirement pros Dana Anspach (Sensible Money) and Fritz Gilbert (The Retirement Manifesto) join the show to turn "build-your-own paycheck" into a repeatable process. Dana lays out why drawdown is a hundred small decisions, not one big leap; and Fritz brings in the field notes. Together they demystify:

• Tax Pitfalls
• Timing Social Security
• Asset Allocation and Location
• Why Most Retirees Underspend

The big takeaway: document the plan, automate the paycheck, and give yourself permission to enjoy the "go-go" years—because money's job is to fund a life, not gather dust. 

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===DEALS & DISCOUNTS FROM OUR TRUSTED PARTNERS===

📈 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.)

Charity: Freedom for Fido

🌐The Retirement Manifesto

📘 Keys to a Successful Retirement

🌐 Sensible Money

Sensible Money YouTube 

📕 Control Your Retirement Destiny

📗 Social Security Sense

📄 Dana's breakdown of OBBBA

📄 Retirement Red Zone: Rethinking Your Investment Strategy

⏰ 'Catching Up to FI' Episodes

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.

Carl Richards is one of the leading voices when it comes to money and emotions. For over a decade, he was the creator of the Sketch Guy column in The New York Times, where his hand-drawn sketches made financial complexity surprisingly simple—and deeply emotional. He joins us to ask the question that instantly ties our brain in knots: 'What is money, really?' From there, he discusses:

• Why we unknowingly organize life around money and work
• Why 'enough' is a way of being (not a number)
• How we keep handing money jobs it can't do—like self-worth, love, and happiness

Come for the doodles; leave with a gentler, saner way to align your calendar, your checkbook, and your life.

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🌐 Visit Catching Up to FI website 

🔗Connect with us

☕ 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===

🆕Big changes with student loans in the new budget bill that just passed. Get help from the experts at Student Loan Planner, all 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 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.)

🌐 BehaviorGap.com

📗 Your Money: Reimagining Wealth in Simple Sketches

📕 The Behavior Gap

📘 The One-Page Financial Plan

50 Fires Podcast 

⏰ '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

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.

We ❤️ Case Studies! Nurse practitioner and mom of three, Lisa, opens up and shares what's in her wallet, and her heart. In this episode we dive into her fascinating late-starter story and financials. She was also this year's brave Case Study at the EconoMe conference and revealed all her numbers in front of a live audience to get crowd-sourced feedback in real time. What transpired afterwards was powerful- she quit her day job and handed in her clinical badge to enjoy a sabbatical she had been longing for! With a little help from some Boldin financial modeling and a Nectarine hourly planner, she made the leap and takes us through exactly how she did it. 

===    VOTE FOR US: PLUTUS AWARDS  ===

We need your vote for the 2025 Plutus Awards! You can now vote for your hosts behind "Catching Up to FI" - Bill Yount & Jackie Cummings Koski.

✅ WHAT IS THE PLUTUS AWARDS?

The Plutus Awards recognize excellence in independent financial content. That's the best podcasts, books, video channels, blogs, and more.  

✅ VOTE 

If you've gotten value from our content and think we are worthy of recognition,  please support by casting your votes here > >>  https://plutus.awardsplatform.com/. There's a short registration needed to vote and you'll be in and out in just a few minutes. 

✅ DEADLINE

The deadline to vote is August 30th, 2025. Winners will be announced in October.

✅ CATEGORIES

Below are the categories we have been nominated for and we'd love your vote in each of them. 

Catching Up to FI

1. Best New Personal Finance Content Creator - Audio
2. Content Creator of the Year: Audio
3. People's Choice: Audio
4. Best Financial Advisor Content/Jackie Cummings Koski, CFP
5. Plutus Storyteller Award
6. Best Traditional Retirement Content
7. Best Personal Finance Content for Underserved Communities
8. Best Personal Finance Content for Women

Other categories 

1. Best New Personal Finance Content Creator - Written (F.I.R.E. for Dummies)
2. Best New Personal Finance Book (F.I.R.E. for Dummies)
3. Plutus Resilience Award (Jackie Cummings Koski)
4. Best Financial Independence or Retire Early Content (F.I.R.E. for Dummies)
   

🌐 Visit Catching Up to FI website 

🔗Connect with us

☕ 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===

📈 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

Personal Finance Club: Use code CUTOFI to get $30 OFF any investing course

Nectarine: Advice-Only and Flat-Fee Hourly Fiduciary Financial Advisors (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.)

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:

Charity: Adelante Latina

🌐 Lisa's Blog

⏬ Catching Up to FI version of Case Study Template (Download and save a copy)

The Advisor Lisa used at Nectarine (John O'Callaghan, CFP®). Book your own session using this Nectarine Affilate Link: https://hellonectarine.com/r/cutfi

Fioneers 'Coast With Confidence' Course 

https://thefioneers.com/coast-with-confidence-waitlist 

⏰ 'Catching Up to FI' Episodes

Mini Retirements, Sabbaticals, Career Breaks- Yes Please! | Jillian Johnsrud | 153

The Godfather of FI Talks Fatherhood | JL Collins | 149

Vote Your Money: Values Aligned Investing | Janine Firpo | 139

$1M Debt!: "One Dollar at a Time" | Naseema McElroy | 014

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.

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.

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Buy CUtFI a coffee

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Thank you to our sponsors:

Personal Finance Club (Use code CUTOFI to get $30 OFF any course or PFC investing course only!)

Measure Twice Money ($100 OFF "Create Your Own Financial Plan" Comprehensive Video Course)

Nectarine: Advice-Only Financial Advisors

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.

1500 Days to Freedom

Bigger Pockets Money Podcast

Mile High FI

Mindy (and Carl) On Money

The Prenup Prescription: Meet the Premarital Contract Designed to Save Your Marriage by Aaron Thomas

EconoMe

Mr. Money Mustache

4% Rule

fatFIRE

Real Estate Rookie Podcast

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

Mindy on Money Scholarship

mindy@biggerpockets.com

mindy@mindyonmoney.com

carl@mindyonmoney.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.

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.

🔗 Connect with us

Buy CUtFI a coffee

Record a message for CUtFI

Thank you to our sponsors:

Personal Finance Club (Use code CUTOFI to get $30 OFF any course or PFC investing course only!)

Measure Twice Money ($100 OFF "Create Your Own Financial Plan" Comprehensive Video Course)

Nectarine: Advice-Only Financial Advisors

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

Pathfinders

"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

4% Rule

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.

Welcome back, JL Collins! Affectionately known as the Godfather of FI, Collins returns to discuss his latest book, "Pathfinders: Extraordinary Stories of People Like You on the Quest for Financial Independence" which explores real-life stories of individuals from diverse backgrounds navigating the journey toward financial freedom. Bill and official new co-host, Jackie Koski, chat with JL about the transformative power of simple yet strategic financial decisions, the significance of community, and the universal applicability of the principles of financial independence. Prepare to be inspired by tales of resilience, adaptability, and the pursuit of a life rich not just in wealth, but in fulfillment and joy. Stay tuned for part 2!

🔗 Connect with us

Buy CUtFI a coffee

Record a message for CUtFI

Thank you to our sponsors:

Personal Finance Club (Use code CUTOFI to get $30 OFF any course or PFC investing course only!)

Measure Twice Money ($100 OFF "Create Your Own Financial Plan" Comprehensive Video Course)

Nectarine: Advice-Only Financial Advisors

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: Your Road Map to Financial Independence and a Rich, Free Life by JL Collins

Pathfinders: Extraordinary Stories of People Like You on the Quest for Financial Independence--And How to Join Them by JL Collins

FU Money Part 1 | JL Collins | 023

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.

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!

🔗 Connect with us

Buy CUtFI a coffee

Record a message for CUtFI

Thank you to our sponsors:

Personal Finance Club (Use code CUTOFI to get $30 OFF any course or PFC investing course only!)

Measure Twice Money ($100 OFF "Create Your Own Financial Plan" Comprehensive Video Course)

Nectarine: Advice-Only Financial Advisors

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.

Next Thing Coaching

Rock Retirement Club

The Real Life Process

Career Pivot

Don't Retire, Rewire!: 5 Steps to Fulfilling That Fuels Your Passion, Suits Your Personality, and Fills Your Pocket by Jeri Sedlar and Rick Miners

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.

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.

🔗 Connect with us

Buy CUtFI a coffee

Record a message for CUtFI

Thank you to our sponsors:

Personal Finance Club (Use code CUTOFI to get $30 OFF any course or PFC investing course only!)

Measure Twice Money ($100 OFF "Create Your Own Financial Plan" Comprehensive Video Course)

Nectarine: Advice-Only Financial Advisors

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

Raising Your Money-Savvy Family for Next Generation Financial Independence by Doug Nordman and Carol Pittner

Redeployment Wealth Strategies

Mr. Money Mustache

4% Rule

The First National Bank of Dad by David Owen

If You Made a Million by David M. Schwartz

Quicken

SoFi

Ally

Paula Pant

FamZoo

Thrift Savings Plan

Your Kid 401(k) Plan

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.

Paula Pant is the creator and host of the Afford Anything podcast. She is also a writer, speaker, and media commentator on financial independence, real estate investing, money management, and financial literacy. Today Paula joins us to dive deep into the world of scams, particularly focusing on the elderly. We explore why scams are so convincing, and Paula offers practical advice for protection against scams, advocating the use of credit over debit cards for enhanced federal protection, and emphasizes the importance of vigilance in the digital age. She gives us a comprehensive guide to understanding and combating scams, highlighting the significance of cybersecurity alongside financial independence. 

🔗 Connect with us

Buy CUtFI a coffee

Record a message for CUtFI

Thank you to our sponsors:

Personal Finance Club (Use code CUTOFI to get $30 OFF any course or PFC investing course only!)

Measure Twice Money ($100 OFF "Create Your Own Financial Plan" Comprehensive Video Course)

Nectarine: Advice-Only Financial Advisors

Resources mentioned on the show: (As an Amazon Associate, I earn from qualifying purchases.)

Afford Anything

Federal Reserve's Beige Book

Your First Rental Property

YouTube.com/AffordAnything

Frank Abagnale

The Perfect Scam Podcast

AARP Fraud Watch Network

The Internet Crime Complaint Center

LastPass

1Password

The Psychology of Money by Morgan Housel

Same as Ever by Morgan Housel

Of Dollars and Data

Just Keep Buying by Nick Maggiulli

Dan Ariely

James Clear

Build the Life You Want by Aurthur C. Brooks and Oprah Winfrey

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.

Lauren Beltz is an engineer turned personal finance enthusiast who shares her insights on budgeting and financial independence with Bill and Becky. The three discuss topics such as the role of contentment in personal finance, necessity of an emergency fund and insurance, and tips for successful budgeting. They also touch on the concept of zero-based budgeting and the importance of a finance community for guidance and support. Overall, Lauren's personal journey and professionally garnered insights provide listeners with a practical and strategic understanding of managing finances for future security.

🔗 Connect with us

Buy CUtFI a coffee

Record a message for CUtFI

Thank you to our sponsors:

Personal Finance Club (Use code CUTOFI to get $30 OFF any course or PFC investing course only!)

Measure Twice Money ($100 OFF "Create Your Own Financial Plan" Comprehensive Video Course)

Nectarine: Advice-Only Financial Advisors

Resources mentioned on the show:

Financial Peace University

Budget Brigade

Lauren Beltz

Ramit Sethi

Paula Pant

FIRE Ladder

FinTalks

Fritz Gilbert

What the (Insurance) Hack? | Chris Hutchins | 058

GeoBlue

ROI (return on investment)

Opportunity Cost

The Surprising Lifetime Cost of Car Ownership

FatFIRE vs LeanFIRE

Roomba & JOMO | Sarah-Catherine Gutierrez | 016

EconoMe Conference

Zero-Based Budgeting

The 50/30/20 Budget

10 Financial Tips We Wish We'd Learned Earlier in our FIRE Journey

YNAB (You Need a Budget)

EveryDollar

Monarch Money (formerly Mint)

 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.