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The Spectrum of Financial Independence | Chris Hutchins | Ep 470

In this episode: FI versus FIRE, coast FI, lean FI, tools for FI, the skill of spending, dying with zero, and prioritizing health.

This week, we are joined by our friend and host of the “All the Hacks” podcast, Chris Hutchins, to discuss the “spectrum” of FI and all that falls in between. From the evolution of FI over the years to the changes we’ve made on our respective journeys, and even differentiating terms such as FI versus FIRE and Coast FI, we cover it all! We also found some time to share tools and resources to benefit you and your FI journey. While the path to FI allows you to take control of your financials and future, this journey can usher in many new perspectives and changes that affect all areas of your life! Allow yourself flexibility and remember that what you are working towards isn’t just a number or early retirement but rather a more fulfilling life! 

Chris Hutchins:


  • 1:16 – Introduction
  • 3:19 – FI Versus FIRE
  • 10:11 – Lean FI
  • 17:11 – Coast FI
  • 30:20 – Tools for Tracking FI
  • 41:48 – Optimizing Accounts
  • 47:56 – The Skill of Spending and Dying With Zero
  • 60:12 – Prioritizing Health
  • 70:01 – Conclusion

Resources Mentioned In Today’s Episode:

Choose FI has partnered with CardRatings for our coverage of credit card products. Choose FI and CardRatings may receive a commission from card issuers. Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities. American Express is a ChooseFI advertiser. Disclosures.
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