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Debt Payoff, Disney & Taking Action | Audrey | Ep 408

In this episode: taking action, travel rewards, career progression, the mission to net zero, and value propositions for college.

Whether you were raised to live frugally or if the lessons and lifestyle of FI are just now being introduced into your life, the journey to FI is full of ebbs and flow, not only with your finances, but with the knowledge you pick up along the way. This week we are joined by Audrey to talk about her journey with FI, her path to intentionality, and to discuss the power of optimization. Everyone who begins the FI journey comes from a different place of financial literacy, and a lot of the times we may grow up following the “do’s and don’ts” of financial planning that we were raised with. However, you may be missing out on new ways to optimize your FI journey! The best part about FI is that it’s a personal journey that allows you to learn new ways to plan, as well as new ways to reallocate your savings and spending in order to live your best life in the present and future! 


  • 1:53 – Introduction
  • 5:03 – Natural Savers
  • 8:25 – Value Propositions For College
  • 11:40 – Tackling Student Loans, The Mission To Net Zero
  • 20:50 – Traveling On Points/Travel Rewards Cards
  • 28:59 – Travel Rewards Hotel Strategy and Point Optimization
  • 32:23 – Credit Cards and Children/Second Generation FI Training
  • 34:50 – Taking Action In Your Post-Debt Life And Evolving
  • 42:16 – Career Progression and Optimization
  • 47:18 – Audrey Takes The Hot Seat
  • 55:24 – Conclusion

Resources Mentioned In Today’s Episode:

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Fees, Frugality, and 401K Fears | Ep 428

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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