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9 to FI - Financial Independence Conversations episodes
- From Nervous Speakers to Confident Podcasters | 9toFI 011 | 9 to FI Podcast
From Nervous Speakers to Confident Podcasters
In this episode, Elliot and Josh reflect on their podcast journey, particularly revisiting their very first episode, 'Intro to 9 to FI.' They discuss the feedback received and their initial challenges, then outline their personal and shared goals for the podcast. These goals include becoming better speakers, having deeper and more meaningful conversations, meeting new people, and impacting others' lives. This episode is a candid and unedited discussion about their aspirations and the future direction of the podcast.
00:00 Introduction and First Episode Recap
00:16 Reflecting on Feedback and Improvements
01:21 Setting Goals for the Podcast
01:56 Personal Development Goals
03:38 Deep Conversations and Feedback
04:56 Meeting New People and Overcoming Anxieties
06:16 Impacting Lives and Financial Independence
07:10 Preparing for Early Retirement
08:15 Learning New Skills and Marketing
09:31 Sustainability and Enjoying the Process
10:42 Conclusion and Call to Action
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 - How to avoid Retirement Burnout | 9toFI 010 | 9 to FI Podcast
How to avoid Retirement Burnout | 9toFI 010 | 9 to FI Podcast
Elliot and Josh continue their deep dive into retirement planning on this episode of the 9 to FI Podcast. Reflecting on their meticulously planned retirement schedules, they share their real post-retirement experiences, highlighting the inevitable deviations and surprises. Josh opens up about the challenges of maintaining a perfect retirement day, dealing with cognitive overload, and the struggle to balance multiple interests and obligations. They explore the importance of flexibility, the evolution of personal schedules, and the universal human tendency to overcommit. Tune in to gain insights into navigating the unpredictable journey of early retirement, along with practical tips on managing activities and expectations.
00:00 Introduction and Welcome
00:13 Recap of the Perfect Retirement Plan
01:28 Josh's Perfect Day Vision
03:34 Elliot's Perfect Day Vision
06:10 Reality of Retirement: The First Week
10:11 Adjusting the Plan: Overwhelm and Realizations1
5:24 Balancing Activities and Mental Health
19:29 The Struggle of Saying No
28:19 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/@9toFI30 min - Planning Your Perfect Post-Work Life | 9toFI 009 | 9 to FI Podcast
Planning Your Perfect Post Work Life | 9toFI 009 | 9 to FI Podcast
Join Elliot and Josh as they delve deep into the concept of early retirement and the journey of financial independence. Josh shares his personal experiences and plans leading up to his transition to early retirement, emphasizing the importance of having a purpose and activities to retire to. The episode explores various exercises and strategies to prepare for a fulfilling retirement, addressing concerns about potential boredom and anxiety. They discuss the balance between decompression and productivity, stressing the value of intentional planning and regular self-reflection. Whether you're nearing retirement or just considering it, this episode offers valuable insights and practical advice for a smoother transition.
00:00 Introduction and Greetings
00:08 Discussing Early Retirement Plans
00:54 Concerns About Early Retirement
01:47 Planning for Post-Retirement Life
06:34 Creating a Retirement To-Do List
09:19 Finding Purpose in Retirement
12:06 Reflecting on Retirement Activities
19:25 Adapting to Retirement Life
26:18 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/@9toFI28 min - Crafting Community on the Road to FI | 9toFI 008 | 9 to FI Podcast
Crafting Community on the Road to FI
Join Josh and Elliot as they dive into their weekend activities and talk about the value of community. They recount experiences from fixing rental properties and attending children's soccer games, to meeting and learning about the Financial Independence (FI) community. The discussion touches on car repairs, kid's sports, and engaging with local FI meetups. Find out how Elliot and Josh fostered their FI communities before and after retirement, the challenges they faced, the benefits of being part of a cohesive group, and the importance of pushing out of one’s comfort zone to connect with like-minded individuals. This conversation not only highlights their personal journeys but also offers insights on how to build and sustain community ties in pursuit of financial independence.
00:00 Opening Banter
00:40 Car Troubles and DIY Fixes
02:25 Kids' Soccer and Healthy Competition
04:25 Introduction to Community Building
05:07 Personal Community Stories
08:36 Discovering Financial Independence
13:32 Attending In-Person Events
26:01 Post-FI Community Building
34:33 Encouragement to Build Community
36:07 Closing Remarks and Call to Action
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 - Retire Early or Enjoy Now? | 9toFI 007 | 9 to FI Podcast
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/@9toFI29 min - Are You Saving or Just Being Cheap? | 9toFI 006 | 9 to FI Podcast
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/@9toFI43 min - How to finally get your partner on the same page about Money | 9toFI 005 | 9 to FI Podcast
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/@9toFI32 min - Can you talk money with friends? | 9toFI 004 | 9 to FI Podcast
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/@9toFI49 min - The Money Lessons that shaped Elliot | 9toFI 003| 9 to FI Podcast
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/@9toFI44 min - From Financial Struggles to Early Retirement - Josh's Journey | 9toFI 002 | 9 to FI Podcast
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/@9toFI42 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.