Afford Anything

Mini-Retirements Are the New Early Retirement – with Mom of Six, Jillian Johnsrud


Listen Later

#600: Jillian Johnsrud was falling apart. After suffering a miscarriage, she couldn't pull herself together to return to her job as a youth pastor in DC. She decided to take a month off.


That unexpected break became Jillian's first "mini-retirement" — a deliberate step away from work for at least 30 days to focus on something meaningful. 


Today, Jillian is a mom of six who has taken more than a dozen mini-retirements with her kids, who currently range in age from 8 to 17. 


During her first mini-retirement, she and her best friend piled into her green Honda Civic and drove from DC to Seattle, leaving her 13-year-old son Micah at home with her husband.


A couple years later, Jillian took Micah, then 15, to Glacier National Park in Montana for another mini-retirement. They saw mountain goats, kayaked together, and swam in ice-cold waters. 


This trip created irreplaceable memories. Sadly, Micah died six years later. 


His death changed how Jillian sees time. She now understands that meaningful moments don't wait for perfect timing - they either happen now or vanish forever. 


Waiting for "someday" might mean missing chances forever. 


This drives her philosophy about mini retirements — life contains fleeting seasons that we either embrace now or miss entirely.


"To be able to share those memories with him there is priceless," Jillian tells us.


This understanding shapes her approach with her other children too. From a 10-week road trip to 10 national parks in a pop-up camper to a recent six-month journey across the eastern United States with her five younger children (now ages 8-17), Jillian prioritizes experiences that fit each season of family life.


Planning your own mini retirement? Jillian recommends focusing on four key areas: managing your time (pick just 2-3 priorities), addressing career logistics (craft a compelling story for your employer), saving money (about 6.5 percent of your income for a month off every other year), and preparing for emotional revelations.


Jillian emphasizes the importance of separating your mini retirement fund from long-term retirement savings. This separate fund, which she calls the "in-between bucket," allows you to spend freely on experiences now rather than postponing all enjoyment until traditional retirement age.


As Jillian puts it: "You can't postpone every good thing in your life."


Timestamps:

Note: Timestamps will vary on individual listening devices based on dynamic advertising run times. The provided timestamps are approximate and may be several minutes off due to changing ad lengths.


(0:00) Introduction to mini-retirements

(0:59) Definition of mini-retirement: stepping away from work for 30+ days to focus on something meaningful

(3:03) Jillian shares her first mini-retirement story after experiencing personal loss

(8:28) Taking time off to enjoy important life moments before they pass

(12:12) Jillian's trip to Glacier National Park with her son Micah before he passed away

(20:33) Four components of planning a mini-retirement: time, career, finances, unexpected challenges

(34:14) Time management: choosing 2-3 clear goals rather than trying to do everything

(42:39) Career strategies: how to present your mini-retirement to employers

(1:01:29) Financial planning: saving 6.5% of income for monthly breaks every other year

(1:14:34) Handling unexpected challenges that arise during your time off

(1:20:01) How mini-retirements reveal personal issues you've avoided through work

(1:33:32) Jillian's recent family adventures with five children

Learn more about your ad choices. Visit podcastchoices.com/adchoices

...more
View all episodesView all episodes
Download on the App Store

Afford AnythingBy Paula Pant | Cumulus Podcast Network

  • 4.7
  • 4.7
  • 4.7
  • 4.7
  • 4.7

4.7

3,429 ratings


More shows like Afford Anything

View all
Money Guy Show by Brian Preston and Bo Hanson

Money Guy Show

3,170 Listeners

Mark Levin Podcast by Cumulus Podcast Network

Mark Levin Podcast

23,735 Listeners

Red Eye Radio by Cumulus Podcast Network

Red Eye Radio

1,280 Listeners

Financial Independence Podcast by The Mad Fientist

Financial Independence Podcast

1,654 Listeners

The Stacking Benjamins Show by StackingBenjamins.com | Cumulus Podcast Network

The Stacking Benjamins Show

1,983 Listeners

The Chris Plante Show by WMAL | Cumulus Podcast Network | Cumulus Media Washington

The Chris Plante Show

1,790 Listeners

The Rich Eisen Show by The Rich Eisen Show | Cumulus Podcast Network

The Rich Eisen Show

1,397 Listeners

Rolling Stone Music Now by Rolling Stone

Rolling Stone Music Now

1,004 Listeners

Jim Rome's Daily Jungle by Cumulus Podcast Network

Jim Rome's Daily Jungle

987 Listeners

Marriage Kids and Money: Personal Finance for Families by Andy Hill

Marriage Kids and Money: Personal Finance for Families

590 Listeners

THE ED MYLETT SHOW by Ed Mylett | Cumulus Podcast Network

THE ED MYLETT SHOW

14,081 Listeners

ChooseFI by ChooseFI

ChooseFI

5,088 Listeners

Inside of You with Michael Rosenbaum by Cumulus Podcast Network

Inside of You with Michael Rosenbaum

10,128 Listeners

The Jim Rome Podcast by Cumulus Podcast Network

The Jim Rome Podcast

2,958 Listeners

Millionaires Unveiled by Jace Mattinson, CPA

Millionaires Unveiled

898 Listeners

BiggerPockets Money Podcast by BiggerPockets

BiggerPockets Money Podcast

3,054 Listeners

Mike Drop by Mike Ritland

Mike Drop

6,410 Listeners

The Jim Rome Show by Cumulus Podcast Network

The Jim Rome Show

714 Listeners

Earn & Invest by Jordan Grumet (Doc G)

Earn & Invest

435 Listeners

Shawn Ryan Show by Shawn Ryan

Shawn Ryan Show

42,616 Listeners

Give Them Lala by Lala Kent | Cumulus Podcast Network

Give Them Lala

13,095 Listeners

The Candy Valentino Show by Candy Valentino | Cumulus Podcast Network

The Candy Valentino Show

174 Listeners

Risk Parity Radio by Frank Vasquez

Risk Parity Radio

240 Listeners

Personal Finance for Long-Term Investors - The Best Interest by Jesse Cramer

Personal Finance for Long-Term Investors - The Best Interest

113 Listeners

Two Sides of FI by Jason and Eric

Two Sides of FI

345 Listeners

All the Hacks with Chris Hutchins by Chris Hutchins

All the Hacks with Chris Hutchins

1,586 Listeners

Mile High FI Podcast by Doug Cunnington & Carl Jensen

Mile High FI Podcast

184 Listeners

Money For Couples with Ramit Sethi by Ramit Sethi

Money For Couples with Ramit Sethi

3,361 Listeners

The Benny Show by Benny Johnson

The Benny Show

2,058 Listeners

Talk Ville by Tom Welling & Michael Rosenbaum

Talk Ville

2,855 Listeners

Catching Up to FI by Bill Yount & Jackie Cummings Koski

Catching Up to FI

328 Listeners

What The Football with Suzy Shuster and Amy Trask by Rich Eisen Productions | Cumulus Podcast Network

What The Football with Suzy Shuster and Amy Trask

62 Listeners

U.S. Soccer Podcast by US Soccer | Cumulus Podcast Network

U.S. Soccer Podcast

5 Listeners

The Musers The Podcast by Cumulus Podcast Network

The Musers The Podcast

275 Listeners

Topical Fruit by Topical Fruit | Cumulus Podcast Network

Topical Fruit

3 Listeners