Retire Early or Enjoy Now?

Welcome to the 9 to FI Podcast with Elliot and Josh! In this episode, we explore the evolution of the Financial Independence, Retire Early (FIRE) movement. Starting with 'Old School' FIRE principles, focused on extreme frugality and rapid wealth accumulation, we transition into the emerging 'New FIRE' concepts like Slow FI, Barista FI, and Fat FI. Join us as we discuss the pros and cons of each approach, share personal journeys, and debate which method might be best for different lifestyles. We wrap up with some fun, quick-fire questions and encourage you to reflect on your own path to financial independence. Don't forget to like, subscribe, and leave a review!

00:00 Introduction to the Podcast

00:11 Old School FIRE: The Original Playbook

01:30 New Voices in the FIRE Community

02:41 Balancing Old and New FIRE Concepts

04:14 Personal Stories and Reflections

08:29 Core Tenets of Old School FIRE

10:12 Shifts in the FIRE Movement

11:15 Perfect Day in Retirement

24:47 Lightning Round: Fun FIRE Choices

27:46 Conclusion and Listener Engagement

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/@9toFI

Are You Saving or Just Being Cheap? | 9 to FI Podcast

Join Josh and Elliot in this episode of the 9 to FI Podcast as they delve into the often blurred line between frugality and being cheap. In a world where upgrading to the latest gadgets and luxurious cars is the norm, how do you define what's truly necessary versus what's merely extravagant? The hosts share personal anecdotes, discuss living intentionally with purchases, and address the stigma that surrounds frugal living. From scrutinizing phone plans and car choices to discussing the importance of intentional spending on food and experiences, this episode provides a comprehensive guide to making smart financial decisions without sacrificing quality of life. Don't miss their engaging debate and practical advice for navigating these common financial dilemmas!

00:00 Introduction and Greetings

00:10 Frugality vs. Cheapness: Setting the Stage

01:06 Defining Frugality and Cheapness

02:09 Personal Stories and Examples

09:25 Phone Plans and Upgrades

18:32 Car Choices and Social Perceptions

28:04 Justifying Frugality to Others

38:31 Challenges 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/@9toFI

How to finally get your partner on the same page about Money

Welcome to the 9 to FI Podcast with hosts Elliot and Josh! In this episode, they dive into the topics of budgeting and the concept of 'money dates.' Elliot and Josh share personal experiences on how they and their partners manage finances and the evolution of their budgeting practices. They discuss the importance of budgeting for different life stages, strategies for making financial meetings enjoyable, and how communication plays a key role in financial planning. The hosts also touch on challenges of budgeting, setting financial goals, and the balance between strict budgeting and the anti-budget approach. This candid conversation is packed with valuable insights to help you and your partner achieve financial harmony.

00:00 Introduction and Today's Topic

01:11 The Importance of Budgeting

04:28 Budgeting Strategies and Evolution

08:27 Current Budgeting Systems

14:54 Money Dates and Communication

27:44 Conclusion and Next Steps

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/@9toFI

Navigating Conversations about FIRE with Friends | 9 to FI Podcast

Welcome to the 9 to FI Podcast with hosts Elliot and Josh. In this episode, we dive into the tricky topic of discussing FIRE (Financial Independence, Retire Early) with friends. Imagine explaining to friends that you want to retire decades earlier than they thought possible. We cover why talking about money and FIRE can be challenging, share personal anecdotes, and offer tips on how to keep these conversations light and friendly. We also explore common reactions, from skepticism to genuine interest, and discuss how to avoid common pitfalls and missteps when introducing others to the FIRE movement. Join us for a candid discussion on how to navigate these important, but often taboo conversations!

00:00 Introduction to the Nine to FI Podcast

00:04 Explaining Financial Independence to Friends

00:18 Personal Stories and Cultural Taboos Around Money

03:24 Transparency and Celebrating Financial Success

05:56 Consumerism and Financial Signaling

07:34 Challenges of Discussing FIRE with Friends

11:44 Skeptics and Misconceptions About Early Retirement

15:48 Different Reactions to FIRE: Jokers, Uninterested, and Curious Friends

23:22 Navigating Conversations About FIRE

24:10 Personal Stories and Examples

27:44 Crafting the FIRE Elevator Pitch

34:42 Avoiding Common Pitfalls

42:42 Lighthearted Stories and Mishaps

47:04 Wrapping Up 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/@9toFI

The Money Lessons that shaped Elliot.

In this episode, Josh and Elliot recount their mutual connection, setting the stage for Elliot's captivating financial journey. Starting from a privileged yet not overly abundant childhood, Elliot navigates through private and public schooling, budget-conscious parenting, and early job experiences. He shares his early lessons on money, heavily influenced by his father's 'it's only money' mantra, and recounts the trials and triumphs he faced—from school transitions to job losses and personal hardships. Elliot's story doesn't stop there; he goes on to discuss his ventures into side hustles, relationships, and ultimately, his path to financial independence. Inspirational and introspective, this episode highlights the emotional and practical aspects of personal finance, the importance of mindset, and the value of persistence in overcoming financial and personal challenges. Don't miss out on this incredible journey of resilience and financial acumen

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/@9toFI

From Financial Struggles to Early Retirement: Josh's Journey

In this episode, Josh and Elliot recount their personal stories of financial struggle and triumph. Josh shares his early experiences with money, growing up with modest means, and facing financial challenges through high school and early adulthood. From struggling with debt, foreclosure, and chapter seven bankruptcy, Josh narrates his journey to turning his finances around. The conversation also highlights Josh’s introduction to financial literacy through impactful books and blogs, leading him to the concept of financial independence. After years of dedicated learning and discipline, Josh recently retired early, achieving his financial goals. Tune in to learn from his inspiring story of resilience, financial awakening, and success.

00:00 Introduction and Weekend Catch-Up

02:55 Early Money Memories

04:45 Middle School and High School Experiences

07:43 First Job and Financial Struggles

13:33 Early Adulthood and Family Life

18:48 Financial Crisis and Divorce

22:43 Financial Turmoil and Bankruptcy

23:35 Employment Anxiety and Layoff Fears

25:30 Meeting Lori and Shared Financial Struggles

27:15 Discovering Financial Education

28:45 Implementing Financial Strategies

36:16 The Influence of Financial Blogs

38:33 Discovering Financial Independence

40:59 Achieving Early Retirement

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/@9toFI

Introduction to Financial Independence and Early Retirement

In the debut episode of '9 to FI,' hosts Elliot and Josh launch their podcast discussing financial independence (FI) and early retirement. They introduce their mission to break away from the traditional nine to five grind, seeking greater freedom and control over their lives. The hosts emphasize that they are just regular guys, not financial advisors, aiming to provide relatable insights. They share personal experiences that led them towards FI, such as dealing with the 'Sunday night scaries' and budget frustrations. Future episodes will cover various related topics, including the psychology of money, life post-retirement, and integrating relationships into the FI journey. This introductory episode sets the stage for a journey toward financial freedom, promising practical advice and personal anecdotes.

00:00 Introduction to 9 to FI Podcast

00:36 What is Financial Independence?

00:52 Personal Stories and Realizations

01:20 Podcast Goals and Future Topics

01:58 Wrapping Up and Next Steps

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/@9toFI