Catching Up to FI

What if the real danger in retirement isn't running out of money, but spending so cautiously that you accidentally work too long, live too small, and die with a portfolio that never got a chance to do its job? In part two with Aubrey Williams, we go deeper into the "fog of FI" (that weird, anxious place where the spreadsheet says you're free, but your nervous system absolutely does not believe it).

This episode covers:

• Why the 4% rule can make FI people overwork and underspend
• How future income streams like Social Security can move your FI date forward
• Why flexible spending is more realistic than flat, inflation-adjusted withdrawals
• How risk-based guardrails help you know when to cut or increase spending
• Why many FI people need more help increasing spending than reducing it
• How personal inflation can differ from CPI and affect retirement planning
• Why historical analysis may be more useful than Monte Carlo for some FI decisions
• How small amounts of income in retirement can meaningfully reduce portfolio pressure
• Why engineers and analytical types often need better data to trust they're "done"
• How Bill is using these ideas to finally get clearer about leaving work sooner

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S U P P O R T T H E S H O W

📩 Sign up for our newsletter https://catchinguptofi.com/contact-us/#newsletter

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STUDENT LOAN PLANNER

Big changes with student loans in 2026. 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

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RESOURCES MENTIONED ON THE SHOW

Open Path Financial

Aubrey's EconoMe Talk (2026): Coming soon!

Income Lab

FIREproof (Lauren Boland)

Projection Lab

Open Source Guardrails Simulation (Roger Cost)

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⏰ Related Episodes

Part 1: Why Your Brain is Hardwired to Keep You Working (and How to Fix It) | Aubrey Williams | 214

A Richer Retirement: The 4.7% Rule | Bill Bengen | 169

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 and 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!

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📌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.

What if the biggest difference between someone who starts at 22 and someone who starts at 50 isn't intelligence or income, but simply the moment they finally decide, nobody's coming to save me? In this crossover episode, Bill joins Joel on "How to Money" to tell the brutally honest and surprisingly hopeful truth. He shares his story of becoming financially independent after a 20-year sleepwalk through lifestyle inflation, doctor money mistakes, and zero real financial plan. It's candid, practical, and exactly the kind of episode that makes you stop saying "I'm behind" and start asking "What's my next move?"

This episode covers:

• Bill's late-starter journey from paycheck-to-paycheck doctor to financially independent at 60
• How "rich doctor syndrome" and lifestyle inflation can keep high earners broke
• Why debt, overspending, and delayed gratification derailed his early money life
• The wake-up call that came from burnout, a malpractice lawsuit, and turning 50
• How downsizing, geo-arbitrage, and a higher savings rate changed everything
• Why savings rate matters more than most people realize for late starters
• How to think about debt payoff versus investing when you feel behind
• Why college funding, generational wealth, and retirement planning are all connected
• How Bill thinks about using a financial advisor after a long DIY phase
• Why financial independence is really about buying back time, autonomy, and health

.

=== SUPPORT THE SHOW ===

📩 Sign up for our newsletter

🌐 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

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

🆕Big changes with student loans in 2026. 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

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RESOURCES MENTIONED ON THE SHOW

How To Money

The White Coat Investor

George Kinder

William Bernstein

.

⏰ Related Episodes

Founder of 'Catching Up to FI' Just Hit Financial Independence, Now What? | Bill Yount | 196

Flashback to Episode 1: 'A Boat Named YOLO' | Bill Yount | 197

.

If you enjoyed this episode, please follow the show on your podcast player and leave us a rating and 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!

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📌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.

What if the thing keeping you from Financial Independence (FI) isn't your income, your portfolio, or your math. It's probably the quiet belief that you still need "one more year" when you actually don't. Our guest on this episode is Aubrey Williams, a former particle physicist, radar-tech leader, debt-slayer, and now advice-only financial planner. In this conversation, he flips some of the FI community's favorite assumptions on their head. This is the first of a 2-part episode with Aubrey so be sure to follow the podcast to be notified of the second part of this fascinating conversation.

This episode covers:

• How Aubrey rebuilt after divorce and $90,000 of debt
• Why savings rate is nonlinear and more powerful than most people realize
• How a higher savings rate can erase working years faster than expected
• Why our brains are wired for survival, not modern investing and retirement decisions
• How to build evidence that you can safely spend instead of just hoard
• Why living smaller can sometimes create more freedom and more joy
• How Aubrey reached FI in high-cost Santa Barbara without leaving California
• Why the FI community itself often knows more than the average advisor
• The difference between fee-based, fee-only, flat-fee, and hourly advice
• Why Aubrey believes many FI people are still working too long

.

=== SUPPORT THE SHOW ===

📩 Sign up for our newsletter

🌐 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===

STUDENT LOAN PLANNER

Big changes with student loans in 2026. 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

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RESOURCES MENTIONED ON THE SHOW

Open Path Financial

Aubrey's EconoMe Talk (2026): Coming soon!

.

⏰ Related Episodes

Founder of 'Catching Up to FI' Just Hit Financial Independence, Now What? | Bill Yount | 196

Enoughness: Your Life or Your Money | Vicki Robin | 95

.

If you enjoyed this episode, please follow the show on your podcast player and leave us a rating and 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!

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📌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.

You've worked twice as hard to catch up on your path to financial independence, so why leave your legacy to chance? To help keep your FI plan from going up in smoke we sit down with estate planning and small business attorney, Allison Harrison. It's a fast, funny and slightly alarming deep dive into estate planning for normal people who assume they're "not rich enough" to need one.

This episode covers:

• Why your FI plan is incomplete without basic estate planning
• The real cost, delay, and public exposure that can come with probate
• Why many people think they need a trust when they actually don't
• When a trust does make sense, especially for control and complex family situations
• The simplest ways to avoid probate using beneficiaries and transfer-on-death designations
• Why healthcare and financial powers of attorney matter just as much as a will
• Estate-planning blind spots for small-business owners and side hustlers
• The role of umbrella insurance, LLCs, and business agreements in protecting your assets
• Why digital accounts, passwords, and two-factor authentication are now part of estate planning
• What parents of newly minted 18-year-olds need to handle before college or adulthood begins

.

=== SUPPORT THE SHOW ===

📩 Sign up for our newsletter

🌐 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===

STUDENT LOAN PLANNER

Big changes with student loans in 2026! 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

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RESOURCES MENTIONED ON THE SHOW

Allison's EconoMe Talk (2026) -Coming soon-

ALH Law Group

See Us Mob Podcast

ALH Law Group Youtube

Free Estate Planning Guides, Infographics and More (no email required)

Safe Sendoff (Legal Planning for Young Adults)

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⏰ Related Episodes

Attorney Spilling all the Legal Tea on Estate Planning | Jenny Rozelle | 121

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If you enjoyed this episode, please follow the show on your podcast player and leave us a rating and 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!

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📌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.

What do you do when your accountant brain knows the numbers, your life blows up anyway, and the answer turns out to be halfway around the world in a weird little movement called FIRE? We head to New Zealand to talk with Bronwyn Candish, a chartered accountant, community builder, and one of the clearest Kiwi voices in financial independence movement. She talks to us about starting over after divorce, rebuilding from the middle, and discovering that "doing money right" has a lot less to do with credentials than with courage, alignment, and actually taking action.

This episode covers:

• Growing up with scarcity in New Zealand and how that shaped Bronwyn's money mindset
• Why being an accountant did not automatically make her good with money
• Lifestyle creep, overbuying on housing, and drifting into paycheck-to-paycheck living
• Divorce as a financial wake-up call in her late 30s
• How Bronwyn found FIRE through a random article and went deep down the rabbit hole
• The role of KiwiSaver, housing, and DIY culture in the New Zealand version of FI
• Why community and accountability matter so much on the journey
• How Bronwyn turned her accounting practice into a FIRE-adjacent coaching space
• The creation of Black Friday and the growth of the Kiwi FIRE community
• What it looks like to be "mid-journey" and still deeply love the path

.

=== SUPPORT THE SHOW ===

📩 Sign up for our newsletter

🌐 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 2026. 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

KiwiFI and Black FI Day website

Sheppard & Ormsby

PocketSmith Personal Finance Software

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⏰ Related Episodes

Borderless FI: The Happy KiwiSaver | Ruth Henderson | 165

Borderless FI: Australian Paramedic Healing Her Own Trauma | Tasch Rogers | 143

Indiana Jones and an Extraordinary Life with the Donegans | Alan and Katie Donegan | 079

Borderless FI: Thunder Down Under | Late Starter Fire | 004

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If you enjoyed this episode, please follow the show on your podcast player and leave us a rating and 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.

What if the biggest shift in your FI journey isn't hitting the number—but finally realizing you need a life plan, a tax plan, and maybe even a fiduciary teammate to help you spend it? Bill steps into the guest chair with Morningstar's Christine Benz for a thoughtful, surprisingly candid conversation about going from financially illiterate "rich doctor syndrome" to fully conscious wealth stewardship. He walks through the entire arc. But this episode goes deeper than a standard "how I retired" story.

This episode covers:

➡️ Bill's path from paycheck-to-paycheck physician to financially independent late starter

➡️ How childhood money scripts and "rich doctor syndrome" shaped his early financial mistakes

➡️ Why the Great Financial Crisis and burnout became a wake-up call

➡️ What changed when Bill moved from financial consumer to conscious wealth steward

➡️ Why accumulation can be DIY—but decumulation often gets more complex

➡️ How Bill searched for a fiduciary, flat-fee, life-planning-oriented advisor

➡️ Why risk parity appealed to him for retirement and sequence-of-returns protection

➡️ The role of a modern advisor as behavioral buffer, tax strategist, and cognitive-risk safeguard

➡️ Why FI gave Bill leverage to redesign work instead of just quit cold turkey

➡️ How Bill is thinking about legacy, living giving, and helping the next generation now, not just later

.

=== SUPPORT THE SHOW ===

📩 Sign up for our newsletter

🌐 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

The Long View podcast

The White Coat Investor

George Kinder

William Bernstein

.

⏰ Related Episodes

Founder of 'Catching Up to FI' Just Hit Financial Independence, Now What? | Bill Yount | 196

Flashback to Episode 1: 'A Boat Named YOLO' | Bill Yount | 197

Retirement Remix: Crafting Financial Futures with Purpose | Christine Benz | 117

.

If you enjoyed this episode, please follow the show on your podcast player and leave us a rating and 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!

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📌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.

What happens when the two co-hosts stop being polite, start being honest, and publicly debate the money moves they still don't agree on? We throw open the doors on four of our favorite friction points:

1. Simple index-fund investing versus "modest complexity"
2. Whether high school personal finance classes are actually helping
3. What to make of the new 530A Trump accounts
4. Taking Social Security at 62 versus waiting

The fun here is that neither of us is playing a character. Jackie comes in swinging for simplicity, practical execution, and "please stop overcomplicating this for normal people," while Bill makes the case for curiosity, customization, and not sleepwalking through important financial choices. Along the way, we swap real stories about helping kids with 401(k)s, seeing bad default investments in the wild, what personal finance education gets wrong, and why Social Security advice may be more nuanced than the "always wait until 70" crowd admits. It's a reminder that thoughtful disagreement can sharpen your own plan faster than blindly copying someone else's.

.

=== SUPPORT THE SHOW ===

📩 Sign up for our newsletter

🌐 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

Check your social security estimates

Mike Piper's Open Social Security Calculator

Next Gen Personal Finance

Trump Accounts

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⏰ Related Episodes

Is Your 401(k) a Mess? Do This Now (Step-by-Step Guide) | Bill & Jackie | 205

These New Rules Will Change The Way You Think About 529 Plans | Patricia Roberts | 193

Celebrating Financial Literacy Month with Next Gen Personal Finance | Tim Ranzetta | 072

Social Security Made Simple | Mike Piper | 054

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If you enjoyed this episode, please follow the show on your podcast player and leave us a rating and 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!

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📌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.

What if the real reason family wealth disappears by the third generation has almost nothing to do with investing, and everything to do with what parents fail to teach at home? We sit down with Dr. Julia Myers, founder of Generational Wisdom, for a conversation that goes way past trusts, spreadsheets, and "someday" estate plans. Julia shares the medical crisis that abruptly ended her pharmacy career, the mindset shift that followed, and why she now believes legacy is not what you leave to your kids, but what you leave IN them. Together we unpack the three silent killers of generational wealth: no skills, no goals, no expectations, and explore what it looks like to raise kids who understand money and values, before the world teaches them. If you've ever wondered how to build wealth without accidentally raising entitlement, or how to recover from your own money story before passing it on, this episode is a gold mine.

This episode covers

• Why 70–90% of family wealth disappears by the third generation
• Julia's shift from pharmacist to generational wisdom coach after a life-changing health crisis
• The three biggest reasons generational wealth gets lost
• Why "wealth without wisdom is wasted"
• How to build a family constitution around values, not just money
• The difference between leaving wealth to your kids versus leaving legacy in them
• How to talk to kids about money, giving, enough, and expectations
• Why late starters can still change their family's financial story
• Practical ways to make values visible in daily family life

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=== SUPPORT THE SHOW ===

📩 Sign up for our newsletter

🌐 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: Hope International

🌐 JuliaMyers.com

Julia's Youtube

Julia's TEDx Talk

Say This, Not That (free guide)

Free Audiobook "Wealthy and Well Known"

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⏰ Related 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 and 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.

APRIL IS FINANCIAL LITERACY MONTH! What do you get when two late starters hand the mic to two twenty-somethings and let the money questions fly? In this unusually fun follow-up to the University of Tennessee classroom visit, we bring Dr. Karen DeLong and two of her students, Emilie and Britton, onto the podcast to tackle the real questions young adults ask when money stops being theoretical and starts getting personal.

Emilie – Majoring in Finance and International Business with a minor in Agricultural Business and will be pursuing a career in Wealth Management.

Britton – Interning with Wells Fargo in their Investment Banking - Commercial Real Estate division and will be pursuing a career in that post grad.

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This episode covers

• The real money questions college students are asking before graduation
• Why Roth IRAs are such a powerful early-start tool
• How to think about saving for retirement versus nearer-term goals
• What happens to your 401(k) when you switch jobs
• Why savings rate matters more than most young adults realize
• The balance between being responsible and being too frugal
• How parents, professors, and mentors shape money mindset
• Why financial literacy needs to be practical, not just theoretical
• What late starters can teach young adults before they make the same mistakes

.

=== SUPPORT THE SHOW ===

📩 Sign up for our newsletter

🌐 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

🌐 Dr. Karen DeLong

Farm Credit Mid-America

📘 If You Can: How Millennials Can Get Rich Slowly (Bill Bernstein)

📕 The Simple Path to Wealth- Updated 2025 (JL Collins)

📗 Your Money or Your Life (Vicki Robin & Joe Dominguez)

📙F.I.R.E. For Dummies (Jackie Cummings Koski)

📘Money Letters 2 My Daughter (Jackie Cummings Koski)

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⏰ Related Episodes

I Have a PhD in Business but Never Had a Personal Finance Class | Dr. Karen DeLong | 206

Financial Literacy 101: Live Inside the Classroom at University of Tennessee | Bill & Jackie | 207

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If you enjoyed this episode, please follow the show on your podcast player and leave us a rating and 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.

APRIL IS FINANCIAL LITERACY MONTH! What happens when you hand a room full of almost-graduates a microphone, a few $2 bills, and permission to ask the money questions most adults still avoid? In this special on-the-road episode, we take you inside the financial literacy presentation at the University of Tennessee to share a few highlights of our recent talk. It's energetic, imperfect, and deeply encouraging. Financial literacy doesn't have to be stiff or scary. Sometimes it just looks like showing up, telling the truth about your mistakes, and helping the next person get a much earlier start than you did.

This episode covers:

➡️ Highlights from Bill and Jackie's live financial literacy presentation at UT Knoxville

➡️ Why young adults need practical money education before entering the workforce

➡️ The difference between being rich and being wealthy

➡️ Why savings rate matters so much for financial independence

➡️ How to think about 401(k)s, employer match, vesting, and job changes

➡️ Why index funds and simple investing often beat picking individual stocks

➡️ Jackie's $2 bill story and how tiny saving habits can shape a lifetime

➡️ Bill's "rich doctor syndrome" story and the danger of lifestyle inflation

➡️ How listeners can adapt this presentation for their own school, church, or community

.

=== SUPPORT THE SHOW ===

📩 Sign up for our newsletter

🌐 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:

🌐 Dr. Karen DeLong

Farm Credit Mid-America

BetterInvesting.org

📘 If You Can: How Millennials Can Get Rich Slowly (free digital download)

📄 Copy of Our Presentation Slides to UT Students

⏰ Related Episodes

I Have a PhD in Business but Never Had a Personal Finance Class | Dr. Karen DeLong | 206

Questions from Students (coming in April)

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