In this episode, we pick up where we left off on our Coast FI path—and dive into the real-life, real-time process of choosing 403(b) (or 401(k)) funds that match our values, fees, and family cash flow.

We talk about:
 • Why we decided to prioritize Fetch’s 403(b) over Rascal’s SEP (for now)
 • How we used ChatGPT to analyze 47 different fund options from scratch
• What we learned about expense ratios, ESG investing, and Fidelity vs. non-Fidelity funds
• Why our paycheck flow is temporarily upside down — and how that’s reshaping our money habits
• The psychological challenge of shifting control, roles, and comfort zones around who’s “managing” what

This is a deep and practical episode for anyone who:

• Wants to DIY their 403(b) or 401(k) investments
• Is navigating self-employment + W2 income trade-offs
• Is learning to balance values-based investing with expense ratio realities
• Is late to FIRE but trying to build systems that work for your real life

Plus: we tease an upcoming episode that will question whether ESG funds are truly aligned — or just shiny distractions with high fees. Stay tuned.

#403b #401k #firemovement #coastfi #esginvesting #expensetratio #diyinvesting #chatgptandmoney #retirementsavings #valuesbasedinvesting #financialindependence #familyfinances #financialdecisions

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Check out our Resource Doc:

• https://docs.google.com/document/d/1_j7CHmbRZsZgWC-SWLIQcunmJdpkEDUsdfhWA1FW04s/edit?usp=sharing

And our IG account @tryingforfi