In this episode of the Fire Takes podcast, Tim and Gwen dive into the heavy, often messy world of estates and what happens to our money when we’re gone. From Reddit drama to personal planning, they explore why inheritance brings out the best—and sometimes the absolute worst—in people.

• The Secret Settlement: A father stands by a promise to his late wife to protect their son’s inheritance, but his current wife views the secrecy as a total lack of trust.

  
  

• The "Rounding Error" Conflict: A woman marrying into a $10 million estate wants her modest assets to go to her siblings, sparking a debate on whether "combining finances" includes everything you’ve ever worked for.

  
  

• The $6 Estate Plan: Tim shares a pro-tip on using employer-provided legal insurance to get a multi-thousand dollar estate plan for pennies on the dollar.

  
  

• Trust Fund Kitty: Gwen explains why she’s earmarked $10,000 in a trust for her cat, Bmew, to ensure he lives his best life even if she’s not around.

  
  

• Shielding the Bag: The hosts discuss the mechanics of trusts, the importance of "body age" vs. calendar age, and why you might want to wait until an heir’s prefrontal cortex is fully developed before handing over the keys to the kingdom.

  
  

Whether you’re a "money nerd" or just trying to navigate a blended family, this episode is an illuminating look at protecting your legacy (and your pets).

In this episode, Tim and Gwen dive into the messy intersection of family, fraud, and financial independence. They break down a "panicked" Reddit post about parents potentially being defrauded by a shady financial advisor and discuss the ethics of children seeking power of attorney to protect their inheritance.

Then, they pivot to a story Gwen calls "juicy": a welder who discovered his wife was cheating and chose to walk away from his marriage—and the home he helped pay for—with nothing but a suitcase and his truck. Finally, they analyze a "financial psyop" where a father is constantly changing the rent amount on his adult son just to watch him squirm

Referenced Involuntary Luge from SNL: https://www.youtube.com/watch?v=ky63j4VUjSc

In this episode, Tim and Gwen dive into the murky waters of money secrets and the psychological "cheat codes" people use to hide financial failure. We explore how "announcing hearts while losing lives" can lead to a total relationship Game Over.

• The YNAB Faker: We discuss a shocking case of financial betrayal where a partner faked entries in a shared budget to hide $15,000 in secret debt and personal loans.

• The "Secret Cushion" Trap: How a partner's "secret savings" turned out to be $7,000 in credit card debt spent on gadgets and high-end espresso machines.

• The Mall Meltdown: A stay-at-home mom feels "poor" because she only spent $100 at the mall—leading her husband to suggest it’s time to get a job. We debate if "Everyone Sucks Here" when life stages and expectations shift.

• Gwen’s Mario Metaphor: Gwen shares a childhood story about lying about "getting hearts" in Super Mario to explain the ego and shame behind financial infidelity.

• FIRE and the "Happiness Equilibrium": Can one partner retire while the other still works? We discuss how to maintain balance when your bank accounts—and your daily schedules—no longer look the same.

Key Takeaway: Financial equality is one thing, but "Happiness Equality" is the true goal for any couple on the path to FIRE.

Connect with us: Email your stories and takes to: [email protected]

In this episode, Tim and Gwen (the "Fiery Millennial") return to the namesake of the podcast to dive deep into the emotional and psychological complexities of the Financial Independence, Retire Early (FIRE) movement. Shifting away from their usual focus on couples and money, the duo reacts to a series of Reddit posts that highlight the "on the nose" struggles of those pursuing or achieving early retirement.

• The Emotional Anguish of Wealth: The hosts discuss a viral post from a 38-year-old with a $2.3M net worth who finds it harder to stay frugal as their bank account grows. Tim and Gwen explore why "consumer-brained" urges like million-dollar homes can feel like a trap even when you have the cash to buy them.

  
  

• The "FIRE is a Mirage" Trap: Can retiring at 44 actually make you miserable? The team tackles the perspective of a retiree who misses the "robust" days of their 30s. They discuss the importance of building community before you quit and why only "boring people are bored" during mini-retirements.

  
  

• Career Pivots and Teaching Reality Checks: Tim and Gwen react to an engineer who switched to teaching for the summers off, only to find themselves "busting open the spreadsheets" again. A commenter provides a reality check for Tim and OP on why teaching isn’t the "easy" retirement hobby people think it is.

  
  

• The Happy Medium: A look at "FI without the RE," where a software engineer uses their financial independence to demand a "chilled" 120k-a-year job that allows for a semi-retired lifestyle today while investments continue to compound.

  
  

• Gwen’s Big Announcement: Gwen shares a major personal milestone and breaks down the "retention bonus" math and her future plans for reselling and "closet flipping".

In this episode of the Fire Takes podcast, Tim is joined by Barb Fallon, a former forensic scientist turned financial planner, to fill in for Gwen. They dive into the psychology of money, toxic work environments, and a shocking discovery in a new marriage.Barb's Interview on the Healthy Love and Money podcast.

Welcome to the Fire Takes Podcast! Join Tim and Gwen, the Fiery Millennial (and Bartholomew the kitten co-host ), as they give hot takes on the most interesting and wildest "Am I the Asshole" Reddit stories and updates from the internet. From deadbeat ex-husbands and child support drama to houseguests with shedding dogs and husbands who lose their identity with their dream truck, we unpack the chaos. Expect lively debate, dark humor, and plenty of laughs. Subscribe now so you don't miss the next ridiculous internet story!

Tim and Gwen dive into a wild episode covering financial disconnect, deep-seated money trauma, and the complex challenge of balancing career ambition with family life.

note: We talk a bit about comments and a poll and don't mention where. Spotify is our primary host and the best place to comment and only place to find the polls.

• Pyramid Scheme Trap: A husband is working full-time and paying all the bills while his wife spends 6-7 hours a day on a "sales" job that has earned literally nothing in nine months. They discuss the "sunk cost fallacy" and the tough communication required to escape the MLM trap.

• The Audacity of Imbalance: A wife's impulse spending habits are funded by her high-earning husband, racking up debt while she enjoys multiple "girl trips" and clothes shopping. The co-hosts discuss what happens when financial imbalance meets mental health issues.

• The Cost of Coasting: The conversation shifts to the emotional side of career management when life outside of work—like a new baby—becomes more fulfilling than chasing "shiny new tools" at the office.

This episode explores why communicating about money and mental health is the only exit strategy when schemes, impulse, and burnout threaten your future.

Tim and Gwen tackle three wild internet stories that perfectly illustrate how financial conflict and audacity can push relationships past the breaking point. First, Alimony Bitterness explodes when an ex-husband sends a final, spiteful check, leading his adult children to rally around their mother. Next, they discuss the wild audacity of a friend who demands $50,000 after crashing his car in a flooded river. Finally, a man struggles to balance financial safety and the looming stress of his wife's "Big Truck Life" demands, which includes upgrading their house and embracing "typical American" debt, despite his preference for aggressive savings. This episode is a masterclass in why talking money early is crucial.

I promised a link to a comic on marriage and dishes, but it turns out Gwen was combining two memories so you get two links. One is a comic on marriage and chores leading to resentment. The other is a story about a man who thought he got left because of the dishes.

When does financial honesty cross the line into exploitation? Tim and Gwen tackle three messy money dramas. First, a single dad is forced to ask his new girlfriend to pay for dates and groceries because his ex-wife refuses to contribute to their kids' expenses. Is he the asshole, or is he just a victim of a bad divorce? Next, a financially organized woman is dating a younger partner who keeps all his savings in one checking account, driving her crazy. Is his disorganization a huge red flag, or is she unfairly parenting him? Finally, a 30-year-old who hit FIRE needs to know: what do you tell your dates you do for work when you don't have a job title?

Gwen mentions https://retireoften.com/ from Jillian Johnsrud

Tim and Gwen dive into the weird world where money meets relationships. They tackle the petty (but powerful) drama of the "Costco Mooch"—a newly married wife who forces her husband to boot his ex-wife from a membership that was a decade-long logistical link. The conversation quickly escalates to the truly dire: a husband's desperate plea for advice on exposing his wife's out-of-control impulse spending that has landed their family in over $17,000 of high-interest credit card debt. Finally, they discuss why finding a frugal partner is the ultimate cheat code , underscoring the simple truth that financial mindset often outweighs household income.Plus we discuss new Taylor music in our new end of episode bonus banter.