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Jeff lives south of Charlotte, across the border in Rock Hill SC.  He is in his 30th year teaching, all at the time school but actually retired after his 28th year.  He is now "double dipping" and making well over 130k to teach in South Carolina.  A divorce in the middle of his teaching career really made Jeff rethink finances as he enrolled in FPU and went on to lead many through the program as well.  Now, Jeff is teaching AND has also launched his own financial company called Venables Financial Solutions. Check Jeff's media presence below: 

Business Website: https://venablesfinancialsolutions.com/

Blog: https://teacherretirementor.com/

Facebook: https://www.facebook.com/share/15aaxKGXxu/?mibextid=wwXIfr

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There are some important milestone birthdays in life...16, 18, 21, 59.5, 62 and 65. What is special about 65? This is the age you transition to Medicare. Did you know? There are two main choices in your healthcare at 65...Traditional Medicare OR a Medicare Advantage plan. Lucrecia Ryan takes us on a journey on which plan she likes best and why. As a 42 year old, I think a lot about retirement and investing, debt etc. However, I am pretty green when it comes to healthcare. This was one of the most informative episodes I have been a part of. 

***THIS EPISODE IS FOR EDUCATIONAL PURPOSES ONLY AND IS NOT FINANCIAL ADVICE***

About Lucrecia

After graduating from Cornell University and spending her career at IBM, Lucretia is now helping women to gain financial independence. She writes articles to simplify complex saving and investment decisions to help women make financial decisions that are in their best interest.

Because Lucretia does not accept any fees, commissions, advertising, or donations or sell any financial products, she is able to expose the hidden fees and financial traps and help women avoid being taken in by financial predators. She conducts pro-bono, one-on-one retirement optimization workshops for women so they can understand their retirement options and make educated financial decisions. She also teaches Financial Literacy, as well as Avoiding Medicare Pitfalls for Women.

Lucrecia's Website:

https://www.financialfreedomforwomen.org/

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Dennis is retired from the military, but recently made the move to work with special needs students in the public school setting. With the wiring to always want to help others AND have some work flexibility, Dennis and his wife have both found themselves working within the school system. 


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In 2011, Adam and his wife married with a net worth of ZERO. In 2025, their net worth has climbed to 1.7 million! Adam is a community college professor and his wife works part time as a substitute teacher. Although their family has W2 income of less than 100k per year, their lifestyle is enhanced by owning 3 rental properties. Listen in as Adam shares their journey from nothing to almost being a multi-millionaire...all on around 65k per year. 

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Zach graduated from the University of Houston with a degree in finance. In his mid 20's, he was clearing 100k+ and his wife had income as well. Even though he knew WHAT to do with money, the temptations that we all face (cars, travel, eating out) proved to be a major roadblock to building financial independence. After taking a pay cut to teach, Zach and his wife have tracked every dollar and are now making financial progress.  Zach shares his journey and some of the important lessons he has learned along the way.  Now, he is helping other individuals as a financial coach and has a passion for helping navigate others from not making the same mistakes he once made.

Zach's Info:
·   [email protected]

·   Free “Limiting Money Beliefs Booklet by going to fjfcoaching.com/FIT

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Episode 200 is here! What better way to celebrate 200 than you sharing your wins with the FIT Family!

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Kevin is a SS teacher/coach from Long Island, went to college in Upstate NY, but landed in the DC suburbs in Prince William county. Like many teachers, Kevin and his wife were "just getting by" as they had a 2k per month daycare bill in his mid 30's. Once the kids made their way out of daycare, they redirected their old payments to 457's, 403's, and eventually got into the real estate game. With only a handful of years left in education, Kevin discusses what their retirement plans at the beach might look like, how they are navigating paying for their kids college, and how involved he will be "working" in retirement. 

Is it possible to go from a net worth that is treading water to a millionaire teacher in less than 20 years? Check out Kevin's story to find out more! 

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From single parent to married again...Virtual HS Spanish teacher in her 24th year and auto worker husband are approaching NW millionaire status and just paid off their home. They each went through tough divorces with spouses who never got on the same page financially. After both went through tough financial issues in their first marriages, they wanted their lives to look different in chapter two.  

SHARE HOW FIT HAS IMPACTED YOU FOR EPISODE 200!
https://forms.gle/RiqfrUzZJsMVJQ8T8

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Greg is a proud graduate of the University of Wisconsin (Madison) and has settled in Colorado after studying abroad and moving back to the states. Greg was able to buy his first house from an amazing program that enables teachers to buy a home for 50% of the listed price via the "Teacher Next Door Program".  Greg and his wife enjoy frugal living and taking advantage of the amazing 457(b) that many teachers have access to.  This will enable them to enjoy an early retirement. 

"Because teachers play a vital role in community revitalization, HUD provides a significant incentive through the Good Neighbor Next Door Program. This program offers eligible teachers the opportunity to purchase a home at a remarkable 50% discount off the list price. However, it’s important to note that the availability of Good Neighbor Homes is extremely limited. While specific restrictions apply to this program, they do not affect other homes purchased through the Teacher Next Door Program, which offers additional benefits like grants and mortgage assistance to help teachers achieve homeownership."

https://www.hud.gov/program_offices/housing/sfh/reo/goodn/gnndabot

SHARE HOW FIT HAS IMPACTED YOU FOR EPISODE 200!
https://forms.gle/RiqfrUzZJsMVJQ8T8

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Today's guest is Justin Garritt, he is the founder and owner of Garritt Financial Solutions, a financial planning and investment management firm that guides educators, young professionals, healthcare professionals, and first responders to become intentional, secure, and confident about their hard-earned dollars by creating and implementing a financial plan to reach their goals. 

Garritt Financial Solutions offers ongoing comprehensive financial planning, project-based financial planning, student loan planning, and investment management.

He and his team work out of Baltimore MD, but serve clients virtually around the country. 

Justin's team's website: https://garrittfinancialsolutions.com

Click here to schedule a discovery call with Justin's team.

Previous FIT Episodes with Justin:

Episode 137

Episode 95

Episode 44

Episode 12