Doug and Amberly chat about key tenants of Financial Independence, shifts in the community over the years, and how each of them have “failed” in different FI-related areas (along with some successes).  Amberly also shares details of an upcoming FI cruise!

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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

1:56 FinTalks cruise

7:57 Shifts in the FIRE community

14:52 Failure #1: Travel rewards

22:42 Failure #2: Budgeting & expense tracking

35:38 Failure #3: 4% rule

38:37 Failure #4: Optimizing retirement contributions

46:15 Failure #5: Savings rate

48:25 Failure #6: Frugality

1:00:40 Misc failures & mindful consumption

1:09:35 Criticism of early retirement

1:18:20 Soundcheck - Hot sauce