9 to FI - Financial Independence Conversations

Saying "NO" is hard | 9toFI 040


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The Power of Saying No: Boundaries at Work, with Family, and with YourselfJosh and Elliot discuss how to say no to bosses, coworkers, friends, family, and oneself, reflecting on their shared people-pleasing tendencies. They open with accountability updates (Josh scheduling a colonoscopy; Elliot struggling to restart workouts after illness and foot pain), then share examples of difficulty setting boundaries, including Josh’s guilt over refusing Elliot’s brake help but spending a Sunday fixing another friend’s brakes after giving bad advice. Josh describes learning to say no at work by clarifying priorities and negotiating tradeoffs to avoid burnout, influenced by ideas like Cal Newport’s, while Elliot notes that extra effort isn’t always rewarded and emphasizes focusing on the most impactful work. They contrast work boundaries with the harder emotional challenge of saying no to friends and family, discuss regret and FOMO, and address saying no to oneself by limiting new projects, side hustles, and time commitments in early retirement.

00:00 Why Saying No Matters

01:14 Accountability Buddy Check In

03:59 The Brake Job Karma Story

06:28 Saying No at Work

11:15 Quality Over Quantity

15:53 COVID Era Boundaries

19:05 Declining the Return Invite

21:35 Friends Family Guilt

23:04 People Pleaser Guilt

24:06 Hell Yes Philosophy

25:28 Saying Yes Then Regret

27:02 Retirement Boundaries

28:28 Fence Favor Fallout

31:38 No To Yourself

32:35 Side Hustle Temptations

35:39 Time Value Debate

37:57 Babysitter Rate Reality

39:07 Practicing Better Nos

41:16 Closing And Feedback


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