152R | Can I Retire Yet?

152R | Can I Retire Yet

Big ERN comes on the show today to break down the numbers of Becky’s retirement plan. He works through their real numbers to determine how solid their retirement plan is. Taking Stock A lot of retirees have this fear of touching their principal and part of it is justified. But there is also part of it that is unjustified, right, because unless you have a constraint that you have to … Read more

149R | Whole Life Insurance

149R | Whole Life Insurance

Jonathan digs deep comparing whole life insurance and term insurance. Laura gets over $130 of clothes from Old Navy for 80 cents! How Laura Broke Old Navy According to Brad, this may be Laura’s best shopping experience of all time. She only paid 80 cents for goods that would normally cost $132.92! The girls and Laura have eight new activewear items to add to their wardrobe for the price tag … Read more

145R | Stuck


A discussion of what to do with a windfall, a review of turnkey real estate investing, and a meditation for stock market investors when the market is falling. Fincon In Main Stream News In last week’s episode, Brad and Jonathan discussed their experience at Fincon. This week, Brad found two articles about Fincon in the mainstream news. One journalist felt that Fincon needed to be more political. J.D. Roth wrote … Read more

143R | Is This The Top?

Is This The Top?

A discussion of community and market volatility. NYC Playing With FIRE Premiere Brad just returned from a trip to Long Island to visit family. While he was there, he was able to attend the sold-out Playing with FIRE premiere in NYC. It was a great night full of community connections. As we always say, it’s not about us, it’s about them getting up off the couch and taking action. And … Read more

Beyond 4%: The Argument For Flexible Spending Rules In Retirement

Beyond 4%: The Argument For Flexible Spending Rules In Retirement

Michael Kitces recently conducted a study of the 4% rule to see if it holds true for longer time horizons. The William Bengen study that the 4% rule is based on didn’t test the 4% withdrawal rate on retirement periods of longer than 33 years. Yet many FIRE retirees may be in retirement for 40-50 years. Does that make the 4% rule too risky? Or, perhaps it’s too conservative?  These are the questions that Kitces’ study set out to answer. And … Read more

How Do You Know When To Sell A Rental Property?

How Do You Know When To Sell A Rental Property?

Investing in real estate has been a winning strategy to build wealth for generations. The use of leverage when purchasing real estate allows you to supersize the returns for even greater net worth increases. Beyond your primary residence, investing in rental properties is the next logical step. So many people tell you to buy real estate, but very few talk about when to sell. I’ve been looking at the returns … Read more

140R | The Real Cost Of A Financial Advisor

The Real Cost Of A Financial Advisor

Brad and Jonathan dive into the costs of a financial advisor and college hacking. Financial Advisors Jonathan recently recorded an episode with Pete Matthews from Meaningful Money. Pete mentioned that he had been at a financial planning conference where they told the audience that financial advisors need to be prepared to talk to people about reaching Financial Independence. FI is a framework on life. That’s what people are looking for. … Read more

Why Investing Conservatively Is Better

Why Investing Conservatively Is Better

When working with clients, I have several ways to determine the correct allocation they should have to stocks and bonds. More often than not, I find that clients are over-allocated to stocks. Therefore, they are taking more risk in their portfolios than needed. Today, I want to discuss why investing more conservatively is usually better at helping clients meet their financial goals. Having a lower allocation to stocks may seem … Read more

133R | Should You Invest Or Pay Off Your Mortgage?

pay off mortgage or invest

Brad and Jonathan discuss a burning question in the FI community, a new budget experiment, and an update on Playing with FIRE.  You Need A Budget Experiment Jonathan and his wife have decided to give You Need A Budget a try. Although they have no consumer debt and maintain an aggressive savings rate, the luxury of not living paycheck to paycheck means that the low-level lifestyle inflation happens. As a … Read more