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What Are You Optimizing For? | Chris Hutchins | Ep 423

In this episode: what sparks goals, what are you optimizing, valuing your time, and money prioritization.

Sometimes on the journey to FI, we ask ourselves the following; do I really need to spend money on this? Do I really have the time and resources for that? These questions may be easy to dismiss by saying no in order to stay on track with your financial goals, but by dismissing them, you could be missing out on something that is beneficial to your personal journey! This week we are joined by friend of the podcast, Chris Hutchins, to talk about the hacks for optimizing your life, the differences between cheapness and frugality, and the importance of valuing your time and what it can lead to. Saving money is an important part of achieving FI, but you should never feel so restricted that you miss out on investing your time and money in things that bring joy and value into your life. While saving is important, it’s okay to spend money. Whether it’s on a trip or investing in something new, there are ways to make it work without feeling guilt or shame. Prioritizing and valuing your time can introduce new experiences and provide happiness as well as perspective while on this journey! 

Chris Hutchins


  • 2:27 – Introductions
  • 6:12 – Full-Time Podcasting
  • 11:44 – What Sparks Our Goals
  • 18:35 – What Are You Optimizing For?
  • 23:36 – Managing Your Own Money
  • 31:28 – Money Prioritization
  • 39:03 – Valuing Time
  • 50:53 – Real Estate Investing And Complexity
  • 58:23 – The Once A Year Review
  • 65:28 – Prioritizing Health
  • 75:23 – 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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