113R | Making your Retirement Plan Bullet Proof | Tanja Hester

113R | Making your Retirement Plan Bullet Proof | Tanja Hester

Tanja Hester retired early 15 months ago and joins the show to share her experience of being work optional, Brad makes a decision about solar panels, and a review of Monday’s episode with Grant Sabatier. Brad shares some updates with his car malfunctions and follows up about his solar panel cost analysis. Brad anticipates a 9.6% return on his solar panel investment, compared to Brian’s 12.5% return in Rhode Island. … Read more

112R | Planned Obsolescence

112R | Planned Obsoleteness

An evaluation of the long-term savings that result from driving old cars, a review of how Naseema McElroy has optimized her finances and reversed lifestyle creep, and a series of voicemails and messages from the ChooseFI community. Planned obsolescence is the idea that a company makes something knowing that you will have to replace it in a relatively short time period. ChooseFI started a new DIY Facebook group to help … Read more

111R | Make the Impossible Possible

111R | Make the Impossible Possible

Jillian from Montana Money Adventures gives advice for laying out roadmap in your life, right after and Brad and Jonathan review Monday’s episode and highlight activities from several local groups around the globe. Brad and Jonathan reflect on last week’s episode with Billy Banholzer. Video Clip of the Week demonstrates grit persistence and the removal of limiting beliefs A video inspires Brad to learn swimming from his daughter. Your current behavior … Read more

110R | Change the Input


Voicemails from the ChooseFI community about saving on grocery bills, making life changes to optimize your circumstances, and a travel suggestion, as well as a review of Monday’s episode and updates from Brad and Jonathan about bills, travel, solar panels and more. Brad reviews his experience at CampFI in Florida last week. The community aspect of CampFI is really rewarding for Brad, who already knew a handful of attendees and … Read more

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