9 to FI - Financial Independence Conversations

Keeping Up With The "FI" Joneses | 9 to FI 050


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Episode 50 Recap: Revisiting Our Biggest FIRE Decisions, Community, and Plans


Josh and Elliot celebrate reaching 50 podcast episodes and recap prior discussions to see what changed. Josh’s high-mileage Chevy Colorado is still running and he plans a long road trip. Elliot revisits his housing case study and currently chooses to “do nothing” and stay put. Josh updates that his wife Lori remains full-time because part-time would lose benefits; they have “concepts of a plan” for a future withdrawal strategy involving possible 72(t), rental cash flow, cash/brokerage drawdowns, and Roth conversions, with a note to cover mechanics later. They discuss increased involvement in the FIRE community, including presentations and travel opportunities, and potential FOMO. Josh shares health and accountability updates (primary care completed, colonoscopy scheduled, dentist still pending). Elliot confirms canceling plans to move to France, staying off most social media, but using Amazon again. Josh decides against an early 401(k) withdrawal for home projects after high quotes and highlights listener feedback. They consider adding guests (including Lori) and recording in person, note the podcast loses money, and thank listeners for support.

00:00 Episode 50 Milestone

00:21 Why Recap Now

03:00 Car Series Update

04:53 Elliot Housing Decision

06:05 Josh Withdrawal Strategy

10:54 Listener Feedback Shoutouts

13:02 Can Elliot Retire Soon

14:19 Side Hustles Reality Check

17:51 Leaving FIRE Community

27:34 Health Accountability Goals

29:58 France Move Undo

30:41 Social Media and Amazon

36:59 401k Withdrawal Debate

41:07 Favorite Episodes and Regrets

43:07 Laurie Episode and Guests

44:13 Next 50 Episodes Plans

46:37 Podcast Money Talk

48:43 Final Thanks and Goodbye

Do you have feedback or suggestions? We want to hear from you!

Contact Elliot: [email protected]

Contact Josh: [email protected]

Josh’s other podcast: Stuck In Beta

Josh’s YouTube channel: How To Fix It Workshop

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9 to FI - Financial Independence ConversationsBy Elliot and Josh