Catching Up to FI

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

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☕ 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

CampFI website

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.

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

🔗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

=== 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.)

🌐Website

Ask the Money Coach

YouTube

📕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

The Nourish Spot in NYC

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.

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

🔗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

=== 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.)

🌐Risk Parity Radio website

🎙️Risk Parity Radio podcast

Portfolio Charts https://portfoliocharts.com/

Charity: Father McKenna Center

Catching Up to FI podcast episodes:

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.

Ever felt anxious around money, or like you're stuck no matter how much you try to save? You're not alone. In this episode, we unravel all of that with Shannah Game, a leading transformational money expert helping you heal your relationship with money. Shannah is host of the popular podcast 'Everyone's Talkin' Money' and author of the new book 'Unraveling Your Relationship with Money', a step-by-step guide to breaking free from money stress, shame, and self-doubt.

🌐 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

=== 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.)

🌐Everyone's Talkin' Money website

🎙️Everyone's Talkin' Money Podcast

📗 Shannah's new book: 'Unraveling Your Relationship with Money'

🥇 Reward for Purchase 🎁 (freebies)

George Kinder

Klontz Money Scripts

The Trauma of Money Method

CRASH!: Money Trauma and Recovery | Shannah Game | 057

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'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

🔗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

=== 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.

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

🔗Connect with us

Buy CUtFI a coffee

Record a message for CUtFI

=== 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.)

🌐 Indiana Estate Elder Law

🎙️Legal Tea Podcast

🎙️Legal Tea podcast episode #174 (Estate Tax Planning Post-Trump Reelection) n

Jenny's talk at Bogleheads 2024

LinkedIn

Twitter/X

The online Estate Planning program Jackie used for her will 👉🏽 Trust & Will

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.

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.

🔗Connect with us

Buy CUtFI a coffee

Record a message for CUtFI

=== 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.)

🌐 Grab Your Slice of Financial Independence

📗Order 'Grab Your Slice of Financial Independence' on Amazon

LinkedIn

Instagram

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.

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.

🔗Connect with us

Buy CUtFI a coffee

Record a message for CUtFI

🔥🔥🔥 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.)

🌐 Practice Balance

📗Order 'Lean Out' on Amazon

Lean Out Podcast

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.

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?"

🔗Connect with us

Buy CUtFI a coffee

Record a message for CUtFI

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)

🌐 Firey Millennials

Rocky Lalvani (Profit Comes First)

🌐 Profit Comes First

Heather Phillips (Tiller)

🌐 Tiller

Fritz Gilbert (Retirement Manifesto)

🌐 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)

🌐 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)

🌐 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)

🌐 The Abundant Wallet

Crystina Cardozo (Run the Numbers)

🌐 Run the Numbers

Avanti Shetye (Wealthwyzr)

🌐 Wealthwyzr

Aseefa Ismail (Balanced Checkbook)

🌐 Balanced Checkbook

Marvá Morrow

🌐 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.

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.

🔗Connect with us

Buy CUtFI a coffee

Record a message for CUtFI

🔥🔥🔥 Check out our new partners and affiliates:

💰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. You can message your coach or set up a one-on-one call with them for an additional fee. 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. Student Loan Planner has consulted on hundreds of millions in student debt and found millions in forecasted student loan savings for clients they've worked with. 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

📈 ProjectionLab Build Financial Plans You Love. ProjectionLab is a financial modeling tool for people seeking financial independence and retirement. Battle-test your plans against varying market conditions and build confidence in your chance of success using. Monte Carlo simulations. Get started for free. No sign-up or credit card required.

👉🏼 Be sure to use this link: projectionlab.com/catchingup

💸Lunch Money Lunch Money has been making personal finance management delightfully simple for the modern-day spender since 2019 and steadily built a loyal customer base of thousands of users in 30+ different countries. They have a pay-what-you-want pricing plan for annual subscriptions starting at $50.

👉🏼 Be sure to use this link: https://lunchmoney.app/?fp_ref=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.)

🌐 Morningstar

📗Order "How to Retire: 20 lessons for a happy, successful, and wealthy retirement" on Amazon

The Long View

John C. Bogle Center for Financial Literacy

Bogleheads Conference

William Bengen

opensocialsecurity.com

Bogleheads Conference 2023 - Jordan Grumet on Living without Regrets

bogleheads.org

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.