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Common Sense Spending Guidelines | Housing | Ep 381

In this week’s episode, Brad and Jonathan discuss different guidelines that can help ensure your mortgage won’t infringe on your FI goals!

Becoming a homeowner doesn’t have to mean the collapse of your own financial stability! By planning ahead and working within your personal limitations, your journey to a happy, healthy, and simple life can continue unabated! Listen along to see if the common-sense guidelines mentioned can be beneficial to your situation!


  • 1:02 – Introductions
  • 3:01 – Insufficient Funds
  • 11:55 – Tackling Overdraws
  • 19:21 – What Can You Really Afford?
  • 26:36 – The Bracket Breakdown
  • 31:13 – FI-ifying Your Budget
  • 35:13 – The Payment Breakdown
  • 45:53 – Working The Table
  • 53:46 – Mortgage Factors
  • 57:30 – Make The Best Decision For YOU
  • 68:43 – Conclusion

Resources Mentioned In Today’s Conversation

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On what is considered a very personal journey, how do you handle changes that feel like setbacks? Whether its spending more when you feel you should be saving, or re-evaluating goals based on what needs immediate attention, do you feel equipped to handle it with confidence? This week we are having a weekly roundup, and are re-joined by Ginger to not only answer listener’s questions, but discuss travel rewards, retirement accounts, and breaking away from the ultra frugal caricature often depicted alongside FI. While saving is an important factor on this journey, the main purpose of FI is to learn and live your life with intention as it relates to your money, goals, and values. Remember that it’s okay if some of your goals and values will change along the way! Allowing yourself to be flexible as it relates to external factors, like market volatility and your investments, will give you more power and control to continue ahead with confidence and optimism! 

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