9 to FI - Financial Independence Conversations

Retired at 48, lessons learned in the first year | 9toFI 039


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One Year Retired: Finding Pace, Purpose, and Permission to Spend


Elliot and Josh discuss Josh passing one year since retiring after a 25-year career. Josh reflects on celebrating the milestone with a commemorative bike ride, says retirement has been overwhelmingly positive, and describes learning to slow down, avoid overloading projects, and use the power of saying no. He wants more small-group social activities because solo hobbies dominate his routine and large groups feel overstimulating. Josh explains a smooth career transition via a 14-month notice, gradual handoffs, and vacation time, though he still feels awkward using the word “retired,” partly due to ongoing rental property work. They discuss staying challenged without seeking constant entertainment, balancing house projects with hobbies, and shifting from scarcity to abundance by spending more, considering major home upgrades, and possibly selling problem rentals, while noting market downturns and withdrawal-rate comfort.


00:00 Sunday Morning Check In

00:44 One Year Retired

03:43 Finding a New Pace

05:47 Small Group Social Life

11:43 Saying No and FOMO

13:22 Career Transition Glide Path

16:47 Owning the R Word

20:56 Rentals Hobbies and Purpose

29:53 Money Mindset and Spending

52:00 Wrap Up and Listener Thanks

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9 to FI - Financial Independence ConversationsBy Elliot and Josh