Have We Seen The Bottom? | Ep 196

have we seen the bottom

Big ERN from Early Retirement Now joins the show to share his take on the current market situation. The US economy is seeing a large portion of GDP be slashed in a matter of weeks. With that comes millions of lost jobs. However, the market seems to be recovering well in recent days. Big ERN speculates that there will likely be a recession. But the scope of the recession 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

Flexible Spending Rules For Early Retirees | Ep 176

Flexible Spending Rules For Early Retirees

Micheal Kitces joins the show to share his research on flexible spending rules as they apply to Financial Independence. His call for flexibility could impact your path to FI by several years. Micheal has worked with countless retirees to build plans that allow them to spend their nest egg without running out of funding. In too many cases, he has seen retirees find themselves earning wages due to a successful … Read more

170R |A Capital Gains Case Study For 2020

You’ll learn more about the implications of capital gains and the mechanics of tax optimization for these gains. With two case studies, you’ll start to realize the power of optimizing your capital gains strategy. On Monday, we saw the biggest daily drop in the DOW in history. With the extreme volatility in the market, it can be difficult to stick to your investment plans. However, for people in the accumulation … Read more

Investing For Beginners: Pick An Account And Go For It With Amanda Holden

Investing for Beginners

Amanda Holden from Invested Development joins Jillian to clear the air and the anxiety around investing for beginners. More About Amanda Holden: Amanda Holden is a writer and speaker who helps womxn prepare for their future by building wealth. She is the owner and founder of the Award-Winning Dumpster Dog Blog and Invested Development. Amanda uses humor and real talk to break down complex financial topics into golden nuggets of … Read more

169R | Prepared, Not Scared

With a week of market scares, this episode revisits the importance of being prepared, not scared. Plus, you’ll hear about some exciting announcements from the ChooseFI community. With the market drop of 12% this past week, it is easy to panic. However, periodic drops in the market are completely normal. This is not the first time the market has dropped and it will not be the last. Instead of panicking … Read more

You’re Debt Free, Now What?

You’re Debt Free, Now What?

You’ve worked hard for months, possibly years, to become debt-free. For some of you, this may mean you’ve paid off your student loans and credit cards. And for others, it means you have tackled your mortgage as well. “Debt-free” is a term that means different things to different people, but if you’ve been laser-focused on a particular goal for a sizable amount of time and you’ve crossed the financial finish … Read more

Stocks Vs. Mutual Funds Vs. Index Funds Vs. ETFs: A Full Comparison


In the early days of the stock market, it was just that…a market for stocks. And while you can still buy individual stocks today, there are many different investment products vying for your attention, including mutual funds, index funds, and exchange-traded funds (ETFs). With four different popular investing options, how can you know which is best? Understanding the key differences and pros and cons of all four investment products will … Read more

165R | Do You Realize What You Are Doing?

Do You Realize What You Are Doing

Answers to several reader questions about investing efficiently for your financial freedom. Learn more about low-cost broad-based index funds or if you should max out your 401k early. Recent market volatility has provided an opportunity to test your investment resolve. Any low-cost broad-based index fund is a solid investment strategy, VTSAX is not the only option. Understanding the difference between Roth vs traditional options can help you plan your tax-efficient … Read more

Vanguard Review 2020: Low Cost Investing On The Path To FI

Vanguard Review 2020: Low Cost Investing On The Path To FI

If you head over to the ChooseFI Facebook group and ask for investment recommendations, you will inevitably have someone suggest a Vanguard fund. In Financial Independence circles, Vanguard is one of the most common names that gets thrown out for low-cost funds investing. It’s about time we did a Vanguard review to discuss the pros and cons of this investing platform. We’ll look at why people so often recommend it … Read more