Catching Up to FI

50 people (now friends), 9 countries... all in one room, speaking the same language: Financial Independence! This is a special episode recorded live from in beautiful Bali, Indonesia at the FI Freedom Retreat. Australian blogger and podcaster, 'Captain FI', joins Jackie as guest co-host to share the FI stories of three of the extraordinary individuals we met at the retreat:

• Claire (Dubai via Ireland)- Restarting and living by the philosophy of 'trust your gut'
• Michael (Seattle)- Newly nomadic, choosing FI-enough over perfection
• Val (Hong Kong)- Taking a gap year that feels like several lifetimes

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

🆕NEW PARTNER: Alloy

The Alloy Market offers a seamless and efficient way to sell your gold, silver, and platinum jewelry, regardless of its condition. They are committed to transparency and fairness, ensuring you get the best possible value for your items. Use this special Link and enter code CUTOFI15 to get a $15 bonus when you sell items over $199 (limited time offer).

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: (As an Amazon Associate, I earn from qualifying purchases.)

Captain FI Blog

Captain FI Podcast

FI Freedom Retreats

Next Retreat: Sept 11 - 15, 2026

- UNITED STATES -

ChooseFI

Mr Money Mustache

BiggerPockets Money

Jillian Johnsrud

Mad Fientist

- INTERNATIONAL -

PKP Community Centre (Bali, Indonesia)

Firespark Australia

Lacey Filipich Ted Talk

Barefoot Investor (Scott Pape)

Strong Money Australia (Dave Gow)

Aussie Firebug

⏰ 'Catching Up to FI' Episodes

Mini Retirements, Sabbaticals, Career Breaks- Yes Please! | Jillian Johnsrud | 153

International Educator, Bali FIRE | Amy Minkley | 137

Sustainable FIlosophy with Mr. Money Mustache | Pete Adeney | 073

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.

Dr. Brad Klontz is a leading expert in financial psychology, professor, bestselling author, and, oh yeah — an internet influencer with millions of followers who tune in for his mix of straight talk and practical money wisdom. He joins Bill for a deep dive into why most money problems aren't math problems. Instead, they are about what's going on in our heads and in our habits. In this episode, Brad discusses:

1. Why smart people still make dumb money mistakes
2. The difference between poor and broke
3. The 4 money scripts (avoidance, worship, status, vigilance)
4. Why he argues that an internal locus of control is the ultimate wealth engine
5. A no-nonsense roadmap for breaking bad money patterns and building real financial freedom

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

🆕NEW PARTNER: Alloy

The Alloy Market offers a seamless and efficient way to sell your gold, silver, and platinum jewelry, regardless of its condition. They are committed to transparency and fairness, ensuring you get the best possible value for your items. Use this special Link and enter code CUTOFI15 to get a $15 bonus when you sell items over $199 (limited time offer).

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: (As an Amazon Associate, I earn from qualifying purchases.)

🌐 BradKlontz.com

🌐The Klontz Money Script Inventory

📕 Start Thinking Rich

📗 Financial Wisdom of Ebenezer Scrooge

📷 Brad's Facebook

📷 Brad's TikTok

📷 Brad's InstaGram

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.

On July 4th, 2025 an 870-page tax bill called the 'One Big Beautiful Bill Act' (OBBBA) was signed into to law. Some parts have been heavily discussed and others not so much. So we dug around ourselves and pulled out some hidden messages you may have missed that could have major implications to your FI (Financial Independence) journey.

👉🏽 Updates to 2017 'Tax Cuts and Jobs Act' Makes permanent the lowered individual tax brackets established by the Tax Cuts and Jobs Act and keeps the larger standard deduction in place. Also makes permanent the higher lifetime estate gift tax exemption and increases it to $15 million for single & $30 million for married couples in 2026 (indexed to Inflation).

👉🏽 Updates to 2021 'American Rescue Plan' Expiration of the Enhanced ACA premium subsidies (not directly in the bill, it's just not being extended). The lowered premiums will expire and revert back to pre-covid levels. The Subsidy Cliff will be back in play starting 1/1/26. This is a major part of the negotiation with the current federal government shutdown so may be subject to change.

We cover these topics in the new law:

1. Increased Standard Deduction
2. Extra Senior Deduction
3. SALT (State And Local Tax) Deduction Cap Raised
4. Changes with HSA (Health Savings Account) qualifications
5. Child Tax Credit, Dependent Care FSAs, & Dependent Tax Credit
6. Introduction of Child Savings Accounts
7. 529 College Savings Plan Enhancements
8. Deduction for Charitable Contributions Deduction (even if you take the standard deduction)
9. New Temporary Deductions (2025–2028), Even for those who don't itemize
10. Overhaul of Student Loans

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☕ Like what you hear on Catching Up to FI? Support the show at "Buy Me a Coffee"

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

🆕NEW PARTNER: Alloy

The Alloy Market offers a seamless and efficient way to sell your gold, silver, and platinum jewelry, regardless of its condition. They are committed to transparency and fairness, ensuring you get the best possible value for your items. Use this special Link and enter code CUTOFI15 to get a $15 bonus when you sell items over $199 (limited time offer).

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: (As an Amazon Associate, I earn from qualifying purchases.)

🌐Full Text of the Bill signed into law on 7/4/25

Newsletter with OBBBA Tax Law Toolkit Includes additional content from trusted resources & experts)

IRS Factsheet for OBBBA

Key Elements: 'One Big Beautiful Bill Act' from CFP Board

Newsletter with OBBBA Tax Law Toolkit (Includes additional content from trusted resources and experts)

⏰ 'Catching Up to FI' Episodes

Banishing The Burden of Student Loan Debt | Travis Hornsby | 122

A Hero's Journey: Krista & Ed, The Mother of All Case Studies! | Krista and Ed Kim | 97

Millennial Revolution is in The House! | Kristy Shen, Bryce Leung & Little Matchstick | 93

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.

Jackie joins our friends to the north in Canada for a live taping of TD Direct Investing's 'Inside Investing', turning her late-starter playbook into a friendly masterclass for Canadians and Americans alike. Host Rob Moysey tees up her arc—divorce in her 30s with ~$20k in retirement savings, millionaire a decade later, retired at 49. Jackie fills in the human bits: purpose after FI, why 'precision is not required,' and how a BetterInvesting club cured her market fear.

She also walks through:

• The simple engine that did the work: Maxing out an employer retirement plan, Roth IRA, and HSA in low-cost index funds
• The math behind her Financial Independence target (25× annual expenses ≈ $1M on ~$40k/yr)
• How she kept joy in the journey while saving ~$3k/month

The kicker: despite five years of withdrawals in retirement, her net worth rose from $1.3M (Dec 2019) to ~$2.1M (July 2025). The message lands like a hug and a nudge—know your numbers, automate the boring stuff, and retire TO something.

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🌐 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"

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===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

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: (As an Amazon Associate, I earn from qualifying purchases.)

🌐Jackie's website FInomenalWoman.com

📕F.I.R.E. For Dummies

📘Money Letters 2 My Daughter

📈Jackie's Investment Club through BetterInvesting.org

📺 TD Direct Investing YouTube

⏰ 'Catching Up to FI' Episodes

From Poverty to Wealth and Early Retirement | Jackie Cummings Koski | 007

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.

Today's episode is something TRULY special— something that's never happened before!

For the first time ever… we're joined by two remarkable women who've lived alongside one of the most influential voices in the FI community, JL Collins. In this one-of-a-kind episode we introduce you to his wife, Jane Collins and daughter, Jessica Collins. This is their first-ever joint podcast appearance. We're pulling back the curtain to hear their perspectives. What was it like living with someone so passionate about financial independence? How did his philosophy shape their lives, their choices, and their own views on wealth and freedom? This isn't just a conversation about finance—it's about family, legacy, and the ripple effects of good financial education in a household. You're about to hear a side of the story that's never been told before.

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🌐 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

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: (As an Amazon Associate, I earn from qualifying purchases.)

Charity:

CHARITY:

savethechildren.org

https://www.anelder.org/

The Adopt-A-Nation-Elder Food Runs are the heart of the organizations program and community. Twice a year they travel to the reservation in service to the Elders whose lives, culture and traditions they cherish. Because of the trust built between the Elders and their families, the staff and volunteers are allowed to travel to the Elders remote homelands and distribute assistance directly to the Elders in their communities. The Food Runs involve hundreds of volunteers transporting hundreds of thousand pounds of food and supplies to the most remote lands in the United State.

🌐JL Collins Blog

https://jlcollinsnh.com

📗 The Simple Path to Wealth (Revised & Expanded 2025 Edition & NYT Best Seller!) https://amzn.to/4kFGdTM

📕 Pathfinders: Extraordinary Stories of People Like You on the Quest for Financial Independence—and How to Join Them

https://amzn.to/4kHHKbS

📘 How I Lost Money in Real Estate Before It Was Fashionable: A Cautionary Tale

https://amzn.to/4dVJb3O

⏰ 'Catching Up to FI' Episodes referenced

Pathfinders: Triumphs and Trials on the Road to Financial Independence | JL Collins | 070

https://www.youtube.com/watch?v=-abgF8nW58c&t=1195s

Pathfinders: Stories of Success and Financial Independence | JL Collins | 069

https://www.youtube.com/watch?v=m-iKa32_xI8&t=27s

F-You Money Part 1 & 2 | JL Collins | 023 & 024

https://www.youtube.com/watch?v=00lWfkBTJ6g&t=29s

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.

If you're within ten years of retirement (early or traditional age) or just want to get a head start on going from being a saver to a spender, this episode is for you. Decumulation without drama—that's the mission as retirement pros Dana Anspach (Sensible Money) and Fritz Gilbert (The Retirement Manifesto) join the show to turn "build-your-own paycheck" into a repeatable process. Dana lays out why drawdown is a hundred small decisions, not one big leap; and Fritz brings in the field notes. Together they demystify:

• Tax Pitfalls
• Timing Social Security
• Asset Allocation and Location
• Why Most Retirees Underspend

The big takeaway: document the plan, automate the paycheck, and give yourself permission to enjoy the "go-go" years—because money's job is to fund a life, not gather dust.

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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

===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

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: (As an Amazon Associate, I earn from qualifying purchases.)

Charity: Freedom for Fido

🌐The Retirement Manifesto

📘 Keys to a Successful Retirement

🌐 Sensible Money

Sensible Money YouTube

📕 Control Your Retirement Destiny

📗 Social Security Sense

📄 Dana's breakdown of OBBBA

📄 Retirement Red Zone: Rethinking Your Investment Strategy

⏰ 'Catching Up to FI' Episodes

Hard & Soft Sides of Retirement | Fritz Gilbert | 019

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.

Carl Richards is one of the leading voices when it comes to money and emotions. For over a decade, he was the creator of the Sketch Guy column in The New York Times, where his hand-drawn sketches made financial complexity surprisingly simple—and deeply emotional. He joins us to ask the question that instantly ties our brain in knots: 'What is money, really?' From there, he discusses:

• Why we unknowingly organize life around money and work
• Why 'enough' is a way of being (not a number)
• How we keep handing money jobs it can't do—like self-worth, love, and happiness

Come for the doodles; leave with a gentler, saner way to align your calendar, your checkbook, and your life.

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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

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

🆕Big changes with student loans in the new budget bill that just passed. 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: (As an Amazon Associate, I earn from qualifying purchases.)

🌐 BehaviorGap.com

📗 Your Money: Reimagining Wealth in Simple Sketches

📕 The Behavior Gap

📘 The One-Page Financial Plan

50 Fires Podcast

⏰ 'Catching Up to FI' 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 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 are welcoming back the man behind the most debated number in retirement, Bill Bengen- this time with a special appearance from his lovely wife, Barbara. We take a brief detour to hear their love story and how they met, before getting into his new book, 'A Richer Retirement: Supercharging the 4% Rule to Spend More and Enjoy More'. He joins us in this episode to:

• Break down the primary goals of the book
• Help you understand what's required to create and manage a successful personal retirement withdrawal plan
• Step us through all the tools required to make your money last your entire lifetime

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🌐 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 the new budget bill that just passed. 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: (As an Amazon Associate, I earn from qualifying purchases.)

🌐 Bill Bengen

📘A Richer Retirement

Charts and Tables from 'A Richer Retirement'

⏰ 'Catching Up to FI' Episodes

Mr 4% is now Mr 5% | Bill Bengen | 111

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.

The average financial planner is about 56 years old, but 25-year-old Emma Von Weise got a running start learning about money as a teenager and is now one of the youngest CFP professionals in the US. She shares how she became money savvy so early and what influences impacted her the most. She isn't here to judge the rest of us who started late, but to help us make up for lost time—with humor, heart, and practical advice that meets you exactly where you are. In this episode, we discuss:

• Emma's money story and early financial literacy
• The spark that led to a career in financial planning at such a young age
• Why she is an old soul that just loves working with retirees
• Modern day Continuing-Care Retirement Communities

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🌐 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 the new budget bill that just passed. 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: (As an Amazon Associate, I earn from qualifying purchases.)

Charity: 3rd Decade

🌐 Focus Partners Wealth

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.

Darrow Kirkpatrick retired from a 29-year career in civil and software engineering in April 2011 at the age of 50 and started the blog 'Can I Retire Yet' that same year. The Blog was one of the first in the FIRE (Financial Independence, Retire Early) space and focuses on the personal finance needs of anyone who is thinking about retirement or early retirement. He joins us for a deeply human masterclass on retiring, drawing down without drama, and pursuing hard goals the slow, sane way. In this episode, Darrow shares with us:

• The origins of his blog 'Can I Retire Yet?'
• How a nervous breakdown derailed his career
• His six-year, section-by-section completion of the Colorado Trail on forearm crutches
• The inspiration behind his new book 'Two Sticks One Path'

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🌐 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

RESOURCES MENTIONED ON THE SHOW: (As an Amazon Associate, I earn from qualifying purchases.)

Charities:

National Alliance on Mental Illness

The Colorado Trail

🌐 Can I Retire Yet?

🌐Trail Memoir

📗 Two Sticks, One Path

📘 Can I Retire Yet?

📕 Retiring Sooner

Critique circle (Online Writing Workshop)

Lessons Learned from Writing a Book

Pralana- Personal Financial Modeling

⏰ 'Catching Up to FI' Episodes

The Powers of Starting Late, Retirement Calculators, and More | Chris Mamula | 086

Sustainable FIlosophy with Mr. Money Mustache | Pete Adeney | 073

===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 course or PFC investing course only

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

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.