ChooseFI
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ChooseFI
Jonathan & Brad explore the world of Financial Independence. They discuss reducing expenses, crushing debt, building passive income streams through online businesses and real estate. How to pay off debt, Crush your grocery bill and travel the world for free. No topic is too big or small as long as i...
Nedávne epizódy
755 epizód
594 | Travel Rewards Deep Dive with Noah
Episode 45: Maximizing Travel Rewards with Financial Independence In this episode of ChooseFI, Brad Barrett and travel rewards expert Noah G. dive int...
Book Club: 'Goodbye, Things' with Liz Gets Loaded | EP 593
Episode Show Notes Episode Summary Ginger and Liz from Liz Gets Loaded explore Fumio Sasaki's book, "Say Goodbye to Things," discussing the principles...
The Value Matrix | Where's The Joy In That ? | Ep 592
Episode Show Notes Episode Summary In this episode, Jonathan Mendonsa and Brad Barrett introduce the Value Matrix, a tool that maps spending to life s...
Parent Like a Millionaire Without Being One
Episode Show Notes Episode Summary Brad Barrett chats with Kristy Shen and Bryce Leung about their new book, Parent Like a Millionaire Without Being O...
Building An Extraordinary Life Through FI | Ep 590
In this special episode from Richmond's FI event, uncover insights on how fear impacts our journey toward financial independence. Learn to identify tr...
Identify Financial Leaks: And How to Build and Use A Value Matrix
Most people think they know where their money goes each month… but when they actually run an expense audit, they find hundreds—sometimes thousands—of...
Navigating Health Insurance | With Cody Garrett | Ep 588
Cody Garrett provides an in-depth analysis of the changing landscape of health insurance in the U.S., focusing on the Affordable Care Act (ACA) and ad...
We're Becoming Millionaires… Now How Do We Talk About It?
Most people think "Coast FI" means coasting into retirement—but Andy Hill discovered it meant something entirely different: coasting through life whil...
The Expense Audit | Ep 586
Most people chase financial independence through side hustles and raises. Brad and Jonathan flip that equation: audit your expenses first, then watch...
Unpacking the Path to the Boring Middle | Ep 585
Most people think financial independence is a straight line from broke to retired—it isn't. Progress compounds daily in ways you won't notice if you'r...
Goal Setting for 2026 | Ep 584
A 70% savings rate while buying a house? One listener proves it's possible — and their story is just one of many that'll make you rethink your 2026 fi...
The Detour is the Journey | Ep 583
Most people think they'll be "done" learning about financial independence in a few months—then wonder why they're still obsessed years later. Brad and...
Incremental Gains
Most people treat financial independence like a destination—a magic number to hit before life gets good. But what if the pursuit itself is where the r...
Are Roth Conversions Necessary? | Cody Garrett and Sean Mullaney | Ep 581
Most people rushing to convert their traditional IRAs to Roth accounts have never stopped to ask whether they actually need to. Brad sits down with ta...
This Year Everything Changes | Ep 580
Slashing $100 from your monthly budget shrinks your FI target by $30,000. Brad and Jonathan explore how small financial wins compound into life-changi...
2025 Biggest Takeaways with Ginger | Ep 579
One conversation stopped host Ginger in her tracks: Frank Vasquez's simple rule about only traveling when there's someone meaningful at the destinatio...
Year End Wins 2025 | Ep 578
Watching someone hit Coast FI mid-career changes everything about how they view work. Brad and Ginger read listener wins from the past year, celebrati...
Health and Fitness Update Plus 'Are Organic Foods Worth It?' with Dr. Bobby Dubois | Ep 577
Most Americans spend thousands extra on organic food assuming it's healthier — but what if you're optimizing the wrong metric? Dr. Bobby Dubois breaks...
Raising FI‑Minded Kids: What Really Works | 15-Year-Old Rishi Vamdatt | Ep 576
A 15-year-old has produced over 1,000 personal finance videos and started investing at age seven. Rishi's story proves financial literacy doesn't requ...
Breaking the Golden Handcuffs with 5 Kids | Sunny Burns | Ep 575
Walking away from $147,000 a year sounds insane — unless you've built something better. Sunny Burns did exactly that, leaving his government engineeri...
Top Five Regrets of the Dying (Book Club with Frank Vasquez and Ginger) | Ep 574
You don't become wiser by studying what worked — you become wiser by studying what failed. Most people chase happiness by asking "What should I do?" b...
Cognitive Behavioral Tools for FI With Jasper Lee, PhD | Ep 573
Most people think financial independence is about money. It isn't. Clinical psychologist Jasper Lee makes the case that 90-95% of the FI journey is ps...
Bias Towards Action: The Adventure List(s) | Ep 572
Tracking hundreds of life experiences sounds ambitious until you hear Emily W's simple system—and realize you've been overthinking adventure. Emily W...
Getting Personal with Personal Finance: Maggie Tucker | ep 571
Most people achieve financial independence and feel instant relief. Maggie Tucker felt paralyzing fear instead. At 41, after leaving a lucrative caree...
State of the Stock Market 2025 Q&A with Brian Feroldi | Ep 570
The S&P 500 just notched its third consecutive year of double-digit gains, pushing valuations near a 25-year high — yet market veteran Brian Feroldi i...
Always Come Back to the Why | Alan and Katie Donegan | Ep 569
Financial independence isn't about becoming the richest person in the graveyard — it's about designing a life worth living right now. Brad Barrett sit...
The FiiRE Framework With Paula Pant | Ep 568
Most people think FIRE is about cutting expenses and index funds. Paula Pant flips that script with her F-double-I-R-E framework—starting with the one...
Are We Taking the Wrong Risks? With Chris Hutchins | Ep 567
Most financial independence seekers are winning at money but losing at life—and they don't even realize it. Chris Hutchins and Brad Barrett challenge...
Risk Based Guardrails for Drawdown | Ep 566
If you've mentally locked yourself into one rigid FI number and one fixed withdrawal rate for the rest of your life, you're doing it wrong. That's the...
Tax Planning To and Through Early Retirement | Cody Garrett & Sean Mullaney | Ep 565
Most early retirees worry they'll face crushing tax bills — yet thousands are legally paying zero federal income tax in retirement. Cody Garrett and S...
Financial Independence Basics with Jackie Cummings Koski | Ep 564
Most people think saving $100 a month barely makes a dent in their retirement plans. Jackie Cummings Koski, certified financial planner and author of...
Safe Withdrawal Rates, Drawdown Strategies, RMDs and 50 Year FI Timelines
The 4% rule might be dead—but not for the reason you think. New research suggesting a 5.5% safe withdrawal rate has been making waves in the FI commun...
Navigating Financial Conflicts in Relationships | Ep 562
Most people worry their retirement money is "trapped" until age 59½. It's not — and understanding why could reshape your entire FI strategy. Brad and...
Mini-Retirements: Test Driving Financial Independence | Ep 561
Most people plan for retirement like it's an on-off switch—decades of grinding followed by one big leap into the unknown. But what if you've never pra...
Living Off the 4% Rule | Marla Taner | Ep 560
Marla Tanner reached financial independence in 2013 and has lived off the 4% rule ever since — through bull markets, bear markets, and a global pandem...
Zero-Based Everything: FI, Travel, and the Art of Starting Fresh | Katie & Alan Donegan | Ep 559
Most people obsess over net worth. Katie and Alan Donegan calculate something entirely different: their freedom fund. Joined by Brad, the trio unpacks...
Designing an Intentional Life | Tim Ferriss | Ep 558
Tim Ferriss didn't design a card game to make money—he did it because most games today actively prevent the kind of connection that matters. Brad Barr...
It's Big, But Is It Beautiful? Let's Talk About It... | Ep 557
Congress just made early retirement cheaper—if you know which levers to pull. Tax expert Sean Mullaney joins Brad to break down the One Big Beautiful...
Mailbag: Bond Funds, Roth Conversions, Advanced FI Strategies, Solo 401k and Backdoor Roth
Most people think bonds are the "safe" part of their portfolio — until interest rates spike and their bond fund drops 15%. Brad and Rachael Camp, a Ce...
Are You Over-Optimizing? | Jesse Cramer | Ep 555
Most people spend more time planning a vacation than analyzing how their financial decisions ripple through their entire life. Jesse Kramer, a relatio...