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- Winning With Side Hustles | 9toFI 021 | 9 to FI Podcast
In this episode of Nine to FI, hosts Josh and Elliot dive deep into the world of side hustles, discussing their own experiences and the various types of side gigs people undertake. The episode covers the financial and personal benefits of side hustles, highlighted by interesting statistics and generational differences. They explore part-time jobs, gig economy roles, freelance work, entrepreneurial ventures, and credit card reward hacking. Josh and Elliot also share stories from their own lives, emphasizing skill-building and the impact on their journey towards financial independence. The episode concludes with a call to action for listeners to examine their own expenses and consider the potential of side hustles in their lives.
00:00 Introduction and Audio Quality Disclaimer
00:35 The Benefits of Side Hustles
01:23 Personal Experiences and Seasonal Chit-Chat
03:26 Statistics on Side Hustles in the US
05:42 Generational Differences in Side Hustles
09:33 Motivations Behind Side Hustles
12:28 Cutting Down on Recurring Expenses
20:23 The Impact of Reducing Expenses on FI
21:28 Listener Engagement and Feedback
22:59 Josh's Side Hustle Journey
27:41 Personal Side Hustle Stories
29:46 Exploring the Gig Economy
30:29 Freelancing and Entrepreneurship
33:04 The eBay Store Experience
38:07 YouTube Ventures
52:20 Credit Card Reward Hacking
54:32 Dawn's Entrepreneurial Journey
56:31 Conclusion and Future Plans
#sidehustle
Do you have feedback or suggestions? We want to hear from you!
Contact Elliot: [email protected]
Contact Josh: [email protected]
Any of these products help the show. Thanks for your support!
Mint Mobile - We both use Mint Mobile and save a ton on our phone plan: https://fbuy.me/vgAmz
Empower is Josh’s choice for Net Worth and Budgeting
Wanna create a podcast? We use Descript
Looking for a new credit card? We’re big fans of Chase
Buy Us a Coffee - One time donation or monthly, it’s up to you
Want to save money on gas? Try Upside!
Books mentioned in this episode:
Come find us and subscribe on YouTube: http://www.youtube.com/@9toFI59 min - Can Elliot Retire Soon? | 9toFI 020 | 9 to FI Podcast
Preparing for Early Retirement: Elliot's Journey and Financial Planning
In this episode, hosts Elliot and Josh delve into Elliot's financial journey and imminent transition to early retirement. They discuss key aspects that contribute to readiness for retirement, such as setting retirement dates, understanding the 4% rule, evaluating current and projected expenses, and planning for major upcoming costs. Elliot reveals his financial numbers, including savings, investments, and his approach to healthcare expenses. The conversation also touches on psychological aspects of retirement, like avoiding the 'one more year syndrome' and planning for a balanced post-retirement life with personal goals and explorations. They conclude by discussing the emotional and practical steps Elliot is taking as he approaches his retirement target date of March 2027.
00:00 Introduction: Can Elliot Retire Yet?
00:16 Elliot's Early Retirement Plan
03:37 Financial Considerations and Strategies
04:03 Discussing the 4% Rule and Withdrawal Rates
10:35 Elliot's Financial Snapshot
13:02 Planning for the Future: Expenses and Savings
33:42 Healthcare and Insurance Plans
42:04 Life After Retirement: Goals and Concerns
48:24 Conclusion and Final Thoughts
Do you have feedback or suggestions? We want to hear from you!
Contact Elliot: [email protected]
Contact Josh: [email protected]
Any of these products help the show. Thanks for your support!
Mint Mobile - We both use Mint Mobile and save a ton on our phone plan: https://fbuy.me/vgAmz
Empower is Josh’s choice for Net Worth and Budgeting
Wanna create a podcast? We use Descript
Looking for a new credit card? We’re big fans of Chase
Buy Us a Coffee - One time donation or monthly, it’s up to you
Want to save money on gas? Try Upside!
Books mentioned in this episode:
Come find us and subscribe on YouTube: http://www.youtube.com/@9toFI53 min - Withdrawal Strategy - Josh's Case Study part 1 | 9toFI 019 | 9 to FI Podcast
In this episode of the Nine to FI podcast, hosts Josh and Elliot dive into a comprehensive discussion about Josh's early retirement strategy. Josh retired at the age of 48, while his wife Lori still works full-time but is considering a shift to part-time employment. The episode offers a detailed look at their current financial status, including their cash reserves, brokerage account, and rental income. Josh shares his spreadsheet calculations and insights from his Empower account, discussing their monthly and annual expenses, and potential strategies for Lori's reduced work hours or complete retirement. The conversation touches on important financial concepts like the 4% rule, Roth conversion ladders, and 72-T distributions, aiming to find the best approach for their family. The hosts also emphasize the importance of adaptability and proper planning to ensure financial security in early retirement. Feedback and topic suggestions are welcomed at [email protected].
00:00 Introduction and Podcast Overview
00:59 Josh's Retirement and Financial Situation
01:46 Current Financial Snapshot
04:01 Income and Expenses Breakdown
07:49 Lori's Potential Part-Time Work Impact
16:14 Full Retirement Scenario for Lori
18:13 Empower Retirement Planner Insights
24:20 Withdrawal Strategies and Future Planning
30:25 Conclusion and Future Discussions
Do you have feedback or suggestions? We want to hear from you!
Contact Elliot: [email protected]
Contact Josh: [email protected]
Any of these products help the show. Thanks for your support!
Mint Mobile - We both use Mint Mobile and save a ton on our phone plan: https://fbuy.me/vgAmz
Empower is Josh’s choice for Net Worth and Budgeting
Wanna create a podcast? We use Descript
Looking for a new credit card? We’re big fans of Chase
Buy Us a Coffee - One time donation or monthly, it’s up to you
Want to save money on gas? Try Upside!
Books mentioned in this episode:
Come find us and subscribe on YouTube: http://www.youtube.com/@9toFI32 min - Add-On, Move, Do Nothing? Elliot's Housing Case Study: Part 1 | 9toFI 018 | 9 to FI Podcast
In this episode of the Nine to FI podcast, hosts Josh and Elliot kick off a case study addressing Elliot's housing dilemma. They discuss the pros and cons of moving, building a new home, or expanding the current one, considering financial constraints and family needs. Elliot shares past experiences with contractors and the challenges of financing a large home addition through loans. They also explore different loan options like HELOC, home equity, and construction loans, contemplating the impact of these choices on their financial independence journey. Audience feedback and ratings are encouraged to help the podcast grow.
00:00 Introduction and Podcast Overview
01:05 Elliot's House Dilemma: Initial Thoughts
02:03 Exploring Housing Options and Costs
07:32 Financial Considerations and Loan Options
16:15 Family Dynamics and Final Thoughts
Do you have feedback or suggestions? We want to hear from you!
Contact Elliot: [email protected]
Contact Josh: [email protected]
Any of these products help the show. Thanks for your support!
Mint Mobile - We both use Mint Mobile and save a ton on our phone plan: https://fbuy.me/vgAmz
Empower is Josh’s choice for Net Worth and Budgeting
Wanna create a podcast? We use Descript
Looking for a new credit card? We’re big fans of Chase
Buy Us a Coffee - One time donation or monthly, it’s up to you
Want to save money on gas? Try Upside!
Books mentioned in this episode:
Come find us and subscribe on YouTube: http://www.youtube.com/@9toFI22 min - Old Truck to Financial Freedom | 9toFI Ep017 | 9 to FI Podcast
In this episode of nine to FI, we dive into how owning a 13-year-old Chevy Colorado for over nine years has significantly contributed to my journey towards financial independence and early retirement. Join Josh and Elliot as they discuss the financial benefits of keeping an older vehicle, the insights from recent car ownership statistics, and practical steps for turning a vehicle from a money pit into a money-making asset. We also share strategies on monthly savings, the gig economy, and how to maximize your car's utility for small businesses and side hustles. Don't miss out on the valuable tips for anyone looking to make thoughtful financial decisions about car ownership!
00:00 Introduction: Can Cars Build Wealth?
00:25 Meet the Hosts: Josh and Elliot
00:56 Car Ownership Stats and Trends
03:21 Commuting and Carpooling Insights
05:57 Monthly Savings Project
06:40 Streaming Services and Mobile Savings
09:47 Internet Provider Hacks
15:36 Josh's Truck: A Wealth-Building Tool
22:38 Cost of Ownership and Financial Impact
24:44 Mindset and Identity: Truck as a Symbol
30:19 Turning Vehicles into Moneymakers
32:12 Advice for Younger Self and Conclusion
Do you have feedback or suggestions? We want to hear from you!
Contact Elliot: [email protected]
Contact Josh: [email protected]
Any of these products help the show. Thanks for your support!
Mint Mobile - We both use Mint Mobile and save a ton on our phone plan: https://fbuy.me/vgAmz
Empower is Josh’s choice for Net Worth and Budgeting
Wanna create a podcast? We use Descript
Looking for a new credit card? We’re big fans of Chase
Buy Us a Coffee - One time donation or monthly, it’s up to you
Want to save money on gas? Try Upside!
Books mentioned in this episode:
Come find us and subscribe on YouTube: http://www.youtube.com/@9toFI37 min - Car Maintenance 101: DIY Tips and Financial Strategies | 9toFI 016 | 9 to FI Podcast
In this episode of 'Nine to FI', hosts Josh and Elliot delve into the financial burdens and benefits of car ownership. They explore the average costs associated with car maintenance and offer practical tips for managing these expenses effectively. The conversation highlights the importance of preventative maintenance, how it can enhance vehicle longevity, improve safety, and save money in the long run. The hosts share personal anecdotes and recommendations for DIY maintenance, reflecting on their own car maintenance journeys. Addressing common reasons people delay car care, like cost and time constraints, they propose solutions to help listeners better manage their vehicle maintenance and expenses. The episode aims to provide valuable insights and actionable advice for those seeking financial independence and reliability in their vehicles.
00:00 The Financial Burden of Car Ownership
00:20 Introduction to the Episode
01:30 Car Maintenance Costs and Tips
07:33 Personal Car Maintenance Stories
19:05 The Importance of Preventative Maintenance
30:49 Personal Car Maintenance Stories
31:20 Common Reasons for Neglecting Car Maintenance
32:41 The Importance of Regular Car Maintenance
36:49 Benefits of Preventative Maintenance
38:23 Cost of Car Ownership
42:50 Tracking Car Maintenance
47:11 DIY Car Repairs and Savings
55:36 Rapid Fire Questions
01:01:02 Conclusion and Next Episode Teaser
Do you have feedback or suggestions? We want to hear from you!
Contact Elliot: [email protected]
Contact Josh: [email protected]
Any of these products help the show. Thanks for your support!
Mint Mobile - We both use Mint Mobile and save a ton on our phone plan: https://fbuy.me/vgAmz
Empower is Josh’s choice for Net Worth and Budgeting
Wanna create a podcast? We use Descript
Looking for a new credit card? We’re big fans of Chase
Buy Us a Coffee - One time donation or monthly, it’s up to you
Want to save money on gas? Try Upside!
Books mentioned in this episode:
Come find us and subscribe on YouTube: http://www.youtube.com/@9toFI1 hr 2 min - Driving to Financial Freedom | 9toFI 015 | 9 to FI Podcast
How CARS helped me achieve FIRE (reducing the cost for one of the BIG 3)
In this episode of Nine to FI, Josh and Elliot explore the complex world of auto financing. They offer practical tips for car purchasing, share a mix of success and failure stories, and discuss their personal car ownership journeys. This episode kicks off a multi-part series focusing on cars and financial independence. Tune in for insights on making smarter car decisions and the financial benefits that come with it. Enjoy the casual conversation and learn how you can turn your car savings into investments for a secure and comfortable future.
00:00 Introduction to Smart Car Ownership
00:40 Meet the Hosts: Josh and Elliot
01:24 Halloween Fun and Family Talk
03:14 Shocking Car Payment Statistics
09:54 Call to Action: Support the Show
10:36 Personal Car Ownership Stories
26:30 Financial Strategies for Car Purchases
28:50 The Money Guy Show's Car Buying Rule
32:46 The Cost of Car Ownership
34:44 Interest Rates and Financing
37:28 Smart Spending Strategies
49:45 Leveraging Your Car for Income
54:39 Shifting Mindsets for Financial Freedom
57:09 Rapid Fire Questions
01:03:43 Closing Thoughts
Do you have feedback or suggestions? We want to hear from you!
Contact Elliot: [email protected]
Contact Josh: [email protected]
Any of these products help the show. Thanks for your support!
Mint Mobile - We both use Mint Mobile and save a ton on our phone plan: https://fbuy.me/vgAmz
Empower is Josh’s choice for Net Worth and Budgeting
Wanna create a podcast? We use Descript
Looking for a new credit card? We’re big fans of Chase
Buy Us a Coffee - One time donation or monthly, it’s up to you
Want to save money on gas? Try Upside!
Books mentioned in this episode:
Come find us and subscribe on YouTube: http://www.youtube.com/@9toFI1 hr 6 min - Navigating Life's Big Decisions (bonus episode) | 9toFI 014 | 9 to FI Podcast
Navigating Retirement and Housing Dilemmas: A Conversation on Financial Strategies
In this episode, Josh and Elliot delve into personal financial challenges and decisions. Josh grapples with his wife Lori's reluctance to leave full-time work due to uncertainties about income replacement post-retirement. This kicks off a discussion on withdrawal strategies and asset management. Elliot shares his own dilemma about whether to move to a larger house, which is complicated by the high cost and the location his family enjoys. The episode further explores housing decisions as Josh considers downsizing to a more amenable town, but struggles with finding the right property. Both hosts commit to returning with detailed financial analyses, hoping these conversations will help others facing similar issues.
00:00 Introduction and Podcast Purpose
00:35 Discussing Retirement and Financial Planning
03:22 Exploring Housing Dilemmas
05:41 Comparing Housing Options and Financial Implications
08:55 Concluding Thoughts and Future Plans
Do you have feedback or suggestions? We want to hear from you!
Contact Elliot: [email protected]
Contact Josh: [email protected]
Any of these products help the show. Thanks for your support!
Mint Mobile - We both use Mint Mobile and save a ton on our phone plan: https://fbuy.me/vgAmz
Empower is Josh’s choice for Net Worth and Budgeting
Wanna create a podcast? We use Descript
Looking for a new credit card? We’re big fans of Chase
Buy Us a Coffee - One time donation or monthly, it’s up to you
Want to save money on gas? Try Upside!
Books mentioned in this episode:
Come find us and subscribe on YouTube: http://www.youtube.com/@9toFI12 min - Raising a FIRE-Conscious Family | 9toFI 013 | 9 to FI Podcast
Raising a FIRE-Conscious Family | 9toFI 013 | 9 to FI Podcast
Join hosts Josh and Elliot on the 9 to FI Podcast as they discuss strategies for raising a family with a mindset focused on Financial Independence, Retire Early (FIRE). They share personal experiences, including the concept of the 'Bank of Mom and Dad', emphasizing the value of teaching money management and values to children from different age groups. The conversation covers practical ways to cut costs, such as using libraries, buying secondhand, and leveraging credit card reward hacking for economical travel. They also delve into the significance of making intentional big purchases, the benefits of not always having the latest and greatest, and the importance of experiences over material items. Wrapping up with rapid-fire questions, they highlight key financial lessons and family splurges that reinforce the FIRE principles.
00:00 Welcome to the 9 to FI Podcast
00:11 Introducing the Concept of a FIRE Conscious Family
01:34 The Bank of Mom and Dad: Teaching Financial Responsibility
08:45 Balancing Extracurricular Activities and Financial Independence
14:24 The Value of Secondhand Items
22:44 Travel Hacking: Saving Money on Family Trips
26:32 Big Purchases: Vehicles and Housing
33:26 The Bond of Twins and House Hacking
34:17 Minimalist Gift-Giving Strategies
41:24 Library Hacks and Resourcefulness
47:02 529 Plans and College Costs
52:41 The True Cost of Raising Kids
55:43 Rapid Fire Questions and Final Thoughts
Do you have feedback or suggestions? We want to hear from you!
Contact Elliot: [email protected]
Contact Josh: [email protected]
Any of these products help the show. Thanks for your support!
Mint Mobile - We both use Mint Mobile and save a ton on our phone plan: https://fbuy.me/vgAmz
Empower is Josh’s choice for Net Worth and Budgeting
Wanna create a podcast? We use Descript
Looking for a new credit card? We’re big fans of Chase
Buy Us a Coffee - One time donation or monthly, it’s up to you
Want to save money on gas? Try Upside!
Books mentioned in this episode:
Come find us and subscribe on YouTube: http://www.youtube.com/@9toFI1 hr 3 min - How Real Estate Fast-Tracked Financial Freedom | 9toFI 012 | 9 to FI Podcast
How Real Estate Fast-Tracked Financial Freedom | 9toFI 012 | 9 to FI Podcast
In this episode of 9 to FI, hosts Josh and Elliot delve into how building a portfolio of properties can accelerate the path to financial independence. Josh shares his personal journey, starting from his first fixer-upper in the early 2000s to a diversified portfolio that generates significant cash flow. Along the way, they discuss the skills needed for property renovation, the BRRRR strategy, and the challenges faced in real estate investing. Whether you're curious about getting started in real estate or looking to expand your investment knowledge, this episode is packed with valuable insights and real-world experiences.
00:00 Introduction to Real Estate and Financial Independence
01:05 Josh's First Real Estate Experience
02:18 Developing Handy Skills and Early Influences
05:22 Transitioning to Real Estate Investment
07:25 The Role of Mentorship and Networking
18:42 First Property Purchase and Renovation
25:39 Executing the BRRRR Strategy
31:33 The Hustle Culture and Time Freedom
33:33 Balancing Real Estate and Parenting
34:34 Involving Kids in Real Estate
37:03 Financial Strategies and Cash Flow
42:44 The Challenges of Real Estate Investing
45:11 The Big Renovation Project
51:20 Lessons Learned and Advice for New Investors
58:13 Rapid Fire Questions and Final Thoughts
Do you have feedback or suggestions? We want to hear from you!
Contact Elliot: [email protected]
Contact Josh: [email protected]
Any of these products help the show. Thanks for your support!
Mint Mobile - We both use Mint Mobile and save a ton on our phone plan: https://fbuy.me/vgAmz
Empower is Josh’s choice for Net Worth and Budgeting
Wanna create a podcast? We use Descript
Looking for a new credit card? We’re big fans of Chase
Buy Us a Coffee - One time donation or monthly, it’s up to you
Want to save money on gas? Try Upside!
Books mentioned in this episode:
Come find us and subscribe on YouTube: http://www.youtube.com/@9toFI1 hr 5 min
About 9 to FI - Financial Independence Conversations
From the publisher's feed
9 to FI is a Financial Independence podcast hosted by Elliot and Josh from St. Louis. Together, we share honest commentary on our journey to FI—covering wins, challenges, and lessons learned along the…
way. With real conversations and practical insights, we aim to help others navigate the same path, taking Financial Independence from dream to reality.