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046R | Selectively Hardcore

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Choose FI has partnered with CardRatings for our coverage of credit card products. Choose FI and CardRatings may receive a commission from card issuers. Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities. Disclosures.

In today’s podcast we discuss our takeaways from Episode 46 with Ms. ONL from Our Next Life plus community feedback and voicemails and a discussion of travel rewards.


Podcast Episode Summary

  • A recap of Episode 46 with Tanja from Our Next Life
  • Brad and Jonathan are on their way to Fincon – the annual financial bloggers conference
  • Jonathan’s upcoming trip to South Africa with his family using travel rewards points
  • Tanja’s reveal of her identity after being anonymous for the entirety of the blog’s life
  • What do you want out of life and how are you going to approach that question in the leadup to FI?
  • The ‘internet retirement police’ and people making money in early retirement
  • ‘We are some of the luckiest people in human history’ as Tanja described
  • The safety Mr. and Mrs. ONL have built into their FI plan
  • The different stories and plans our various guests have and how there is no ‘one size fits all’ plan for Financial Independence
  • How they are selectively hardcore about certain things like their heating bill
  • Corrections and feedback from episodes 43 and 43R
  • Updates on Mega Backdoor Roth options including feedback from William
  • Brad’s feedback on Keith from The Wealthy Accountant’s thoughts on the Mega Backdoor Roth and the Roth IRA conversion ladder going away
  • Discussion of Roth versus traditional IRA and marginal tax brackets plus info on the Earned Income Tax Credit
  • Email from Giselle from our ChooseFI community and her question about spending now versus the future and frugality versus enjoyment
  • Brad and Jonathan’s response to Giselle about how we view the path to FI as a positive and gives us more control over our lives
  • Giselle’s question about using travel rewards points for a 2 week trip to Europe and when to get started and how to avoid issues with mileage expiration
  • Voicemail from community member Joel listing all the incredible changes he has made since finding the ChooseFI podcast
  • Itunes review and book giveaway

Links from the show:

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Choose FI has partnered with CardRatings for our coverage of credit card products. Choose FI and CardRatings may receive a commission from card issuers. Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities. Disclosures.
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