109R | “Bear” Perspective

109r bear perspective

Big ERN from Early Retirement Now joins the show to talk about the current market climate: How is it impacting investors, who could benefit, and what markers he uses to evaluate its actual condition? We also share a voicemail from Abby, who provides a few more helpful hints for teaching abroad. Topics from the show: Brad maxed out his HSA for 2019, and talks about how he’s prioritizing fitness. Easy … Read more

108R | How to Calculate Your Savings Rate

108R | How to Calculate Your Savings Rate

Brad and Jonathan talk through the various methods of calculating a yearly savings rate and the numbers necessary to do so, and review Monday’s episode about setting up special needs accounts. Jonathan is back from 20 days with family in Zimbabwe, and Brad recaps his Christmas vacation. Brad and his family added 12 board games to their collection. William, from Monday’s episode, set out a road map for people who … Read more

107R | The One Thing 2018 | End of Year Episode

107R | The One Thing 2018

A year-end episode featuring voicemails and messages from the ChooseFI community sharing successes, progress, exciting discoveries, and hopes for next year of our journey toward financial independence. Jonathan shares how he’s used a combination of apps to track his per-meal costs and macros. Paprika MyFitnessPal Wegman’s App Front-load the work and then enjoy the benefits. Craig, from Monday’s episode, is an extreme optimizer. It’s always better to make decisions from … Read more

106R | Agency

106R agency

A series of suggestions and questions from the ChooseFI community, including HSA funds, capital gains distributions, and Traditional versus Roth IRAs, and follow up from Monday’s episode with Deanna. What we cover in this episode: • Jonathan raves about battery-powered chain saws, and a great bonding experience with his dad. • Brad’s in-laws enjoy helping Brad’s family with landscaping and gardening. • Pursuing financial independence gives Jonathan the opportunity to … Read more

105R | Solar Panel Cost Analysis

105R Solar Panel Cost Analysis

Brian Feroldi joins the show to talk about the costs and benefits of installing solar panels and answers questions about his investment strategies, and Brad and Jonathan recap Monday’s episode with Paula Pant before announcing a new ChooseFI project on the horizon. Jonathan reports a travel-rewards win as his family gets ready to travel for the last half of December. If you want to learn something, you have to ask … Read more

104R | Travel Rewards | End of Year Planning

104R | Travel Rewards | End of Year Planning

An update from Marla Taner on 2018’s best travel reward options, a hack for keeping your bills low, a review of Monday’s episode with Doc G. Jonathan tries out a new service to ensure that his bills are staying low. Billfixers.com says they will call your service providers for you and negotiate lower rates. You pay them 1/2 of what they save you the first year. Jonathan will report back how it … Read more

103R | The Apprentice

103R | The Apprentice

Captain DIY returns to recommend some accessible projects for the beginning DIYer, Jonathan highlights two recipe and meal organization apps, and several messages from the ChooseFI community. Brad made the best of Black Friday and his local community to pick up a ping pong table for his family. ChooseFI community member Olga recommends the Paprika app, which is helping Jonathan to plan his recipes, groceries and track his calorie consumption. … Read more

102R | The Triple Tax Savings of Health Savings Account

102r triple tax savings

Brad and Jonathan explain the long-term tax benefits of using a Health Savings Account to pay for medical expenses, discuss the benefits of new index fund investing options, review Monday’s episode with Timika Downes. Brad and Jonathan are getting back to traditional health insurance, and excited about the Health Savings Account (HSA). Most companies offer health insurance options, typically including: Low monthly premium + high deductible High(er) monthly premium + … Read more

101R | Side Hustle Coaching Series Part 4

101R _Blog_ Side Hustle Coaching

Brad and Jonathan talk about their experiences with W2 jobs and building side hustles, Jose shares his own side hustle tip, and Alan and Tallis wrap up the 4-part Side Hustle Coaching Series. Brad and Jonathan are jumping into planned spontaneity. Do your actions align with your values? Brad recounts how the accounting firm he worked for right after college, one of the biggest in the U.S. at the time, … Read more

100R | Know the Rules

100R Know the Rules

Brad and Jonathan explain how simply knowing the rules can save you thousands on taxes and college financing, Brad talks through the IRA Conversion Ladder and Capital Gains Harvesting, and a few updates from the community. The financial independence movement is growing, and seeing a lot more press coverage. Messaging matters: The Wall Street Journal published one article with two different headlines. Pursuing financial independence isn’t about buying brown bananas, … Read more