Doug chats with Josh Epley (9 to FI podcast) about his journey from $240K in debt to early retirement.  Josh discusses how he and his wife managed to turn their financial lives around including challenges they faced along the way and successful strategies they implemented such as real estate investing & rigorous budgeting.  Josh also shares insights into his recent post-retirement life from navigating personal challenges to the role of intentional living.

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**Disclaimer: The podcast is for informational purposes. Maybe entertainment but we won’t even make such a claim. You shouldn’t take the info as financial, legal, or tax advice. We aren’t certified financial planners or advisors. We’re not qualified for much. So get advice from professionals.**

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0:00 Introduction

4:35 Overcoming financial struggles

11:41 Climbing out of debt & making changes

17:17 Dealing with professional identity

22:04 Catching the real estate bug

31:10 Real estate disaster stories

37:20 Future real estate plans

44:17 Thoughts on college 

52:05 A rich mindset & financial stages

59:24 Current expenses

1:04:32 9 to FI podcast

1:09:55 Soundcheck – HOAs