Effective financial planning resembles both a puzzle and a spider web, where each decision impacts interconnected aspects of one's financial life. Brad is joined by Jesse Cramer and explores the importance of resilience over perfection in financial planning, how minor choices can have significant implications, and the necessity of revisiting one's financial situation as life circumstances change.

Key Topics Discussed:

 * Introduction to Financial Planning Financial planning is likened to solving a puzzle intertwined with a spider web, emphasizing the interconnected nature of financial decisions.

 * Defining Perfection in Finance Timestamp: 00:09:01 Discussion on the dangers of chasing perfection in financial strategies and the importance of building resilience.

 * Understanding Tax Loss Harvesting Timestamp: 00:21:11 Exploring the concept of tax loss harvesting, its benefits, and common pitfalls associated with its incorrect application.

 * The Asset Location Dilemma Timestamp: 00:30:13 Insights into optimizing asset location for tax efficiency, along with the risks of over-optimizing this strategy.

 * Revisiting Financial Assumptions Timestamp: 00:55:34 The necessity of regularly reassessing financial goals and assumptions to adapt to changing circumstances.

Key Takeaways:

 * Resilience in Financial Planning:
   
   * A resilient financial plan helps navigate uncertainties effectively. (00:08:02)

 * Understanding Over-Optimization:
   
   * If optimizing efforts complicate decision-making or create new risks, you may be over-optimizing. (00:07:36)

 * Reassess Assumptions:
   
   * Regularly revisiting financial assumptions is crucial for aligning them with current life situations and goals. (00:55:34)

 * Benefits of Tax Loss Harvesting:
   
   * While there are potential rewards, understanding its application is vital to avoid detrimental outcomes. (00:21:22)

 * Asset Location Strategy:
   
   * Proper allocation based on investment timelines and goals yields better financial outcomes than merely optimizing for tax efficiency. (00:30:33)

Quotes from the Episode:

 * "Financial planning is a puzzle intertwined within a spider web." (00:04:41)
 * "Building resilience in your financial plan helps you navigate uncertainty effectively." (00:08:02)
 * "Striving for perfection can lead to unnecessary stress in financial planning." (00:47:00)

Related Resources:

 * Personal Finance for Long-Term Investors Podcast [https://bestinterest.blog/personal-finance-for-long-term-investors/] 

Are You Over-Optimizing? | Jesse Cramer | Ep 555

Kristen Knapp shares her journey from a childhood marked by poverty to achieving financial independence and transitioning to part-time work as a television meteorologist. She introduces her new venture, FI Friends Travel, a travel initiative that connects financial independence enthusiasts through meaningful, shared travel experiences. Kristen emphasizes the power of community in the FI space, and her insights offer actionable advice on fostering connections, exploring travel rewards, and maintaining financial literacy.

Timestamped Highlights:

 * 00:02:17 Building Community through FI
   
   * Kristen discusses the magic of gathering like-minded individuals and the importance of community within the FI space.

 * 00:11:49 The Journey to Financial Independence
   
   * Kristen shares her background growing up in poverty and her determination to break the cycle through education and financial literacy.

 * 00:41:39 Launch of FI Friends Travel
   
   * Introduction to FI Friends Travel, its purpose, and how it connects FI community members through travel.

 * 00:52:14 Travel Tips from FI Friends Travel
   
   * Kristen offers practical travel tips learned from her experiences, emphasizing the importance of cash, logistics, and planning.

Key Takeaways:

 * Community Is Vital:
   
   * Kristen highlights the importance of establishing and maintaining local FI groups. Consistency in scheduling events encourages participation and connection. (Actionable Takeaway: Commit to a regular meeting schedule for your local FI group.) 00:07:32

 * Flexibility and Financial Independence:
   
   * Achieving financial independence allows for flexibility in work and life choices. Kristen shares her transition to part-time work and the confidence it brings her. (Actionable Takeaway: Embrace opportunities to leverage your FI status for a more fulfilling life.) 00:37:50

 * Travel Rewards and Experiences:
   
   * Traveling enhances personal growth and connections within the FI community. Kristen encourages listeners to seek and share meaningful travel experiences. (Actionable Takeaway: Engage with the FI community and explore travel opportunities with like-minded individuals.) 00:42:04

 * Educate and Inspire:
   
   * Kristen emphasizes the importance of educating younger generations on financial literacy and personal finance to foster better financial habits. (Actionable Takeaway: Share insights on saving and investing with your peers and younger coworkers.) 00:25:29

Key Quotes:
 * “There's magic when you get five people together—everyone becomes friends instantly.” 00:03:13
 * “For the first time in my adult life, I feel like I’m finally flexing my FI muscles.” 00:37:50
 * “Breaking new ground shows that possibilities are endless!” 00:40:41

Related Resources:

From Poverty to Semi-Retired | Kristen Knapp | Ep 554

Deep Dive: Putting the Middle-Class Trap to Bed | Ep 553

Brad chats with certified financial planner Shannah Game, who shares insights from her book Unraveling Your Relationship with Money. They discuss the emotional and psychological aspects of finance, emphasizing the importance of understanding one's money stories, setting intentional spending boundaries, and achieving financial independence beyond just numbers and logic.

Key Topics Discussed:

 * Introduction to Shannah Game (00:00:48)
   
   * Shannah is a CFP and author of Unraveling Your Relationship with Money.

 * The Emotional Side of Finance (00:01:35)
   
   * Personal finance is 90% psychology and emotion.
   * Shannah discusses her own journey and revelations about money.

 * Understanding Money Trauma (00:06:48)
   
   * Money trauma can affect anyone, not just those from impoverished backgrounds.
   * Discussing childhood experiences and their impact on adult financial behaviors.

 * Strategies for Intentional Spending (00:12:15)
   
   * Implement the 24-hour rule before purchases to reduce impulsive spending.
   * Create space between stimulus and response to make intentional financial choices.

 * Creating Your Financial Rules (00:16:40)
   
   * The concept of setting personal financial boundaries and making your own rules.
   * Importance of tailoring financial strategies to individual needs.

 * Personal Growth and Self-trust (00:36:17)
   
   * Fostering a growth mindset to combat feelings of being "bad with money."
   * Emphasizing the importance of self-trust in financial decision-making.

Key Insights:

 * Money as Joy, Not Struggle (00:06:00)
   
   * Money should enhance life rather than be a source of stress.

 * Conscious Spending (00:10:07)
   
   * Create space to reflect before making purchases.

 * Set Your Own Financial Rules (00:16:40)
   
   * Empower yourself to establish personal financial guidelines that resonate with your values.

 * Our Brains and Money (00:18:39)
   
   * Recognizing how cognitive processes can sabotage financial well-being.

Actionable Takeaways:

 * Apply a 24-hour cooling-off period before making purchases to minimize impulsive spending. (Timestamp: 00:11:22)
 * Use highlighters to categorize your spending and uncover hidden patterns affecting your financial decisions. (Timestamp: 00:29:23)

FAQs:

 * What are some strategies to manage emotional spending?
   
   * Implement a 24-hour waiting period before purchases. (00:10:58)

 * How can I uncover my money stories?
   
   * Reflect on spending patterns in a relaxed environment to identify emotional triggers. (00:29:23)

 * Why is it important to address money trauma?
   
   * It helps break negative cycles, fostering a healthier financial relationship. (00:07:53)

Discussion Questions to Consider:

 * What are your earliest memories related to money, and how do they shape your current beliefs? (00:08:15)
 * How can you create a healthier emotional relationship with money? (00:39:17)

Related Resources:

 * Unraveling Your Relationship with Money - 

Unraveling Your Relationship with Money | Shannah Game | Ep 552

Lets dive into the emotional and practical considerations of paying off a mortgage early, explore the benefits and drawbacks, personal experiences, and broader financial implications of renting versus owning a home.

Key Topics and Timestamps

 * Introduction to Mortgage Conversations (00:00:00)
   
   * Overview of the episode’s focus on mortgages, buying vs. renting, and personal finance strategies.

 * Emotional Factors in Paying Off Mortgages (00:01:30)
   
   * Ginger shares her excitement about paying off her mortgage early and reflects on the emotional journey behind that decision.
   * Key Quote: "Your peace of mind from paying off your mortgage is a huge win." (00:03:10)

 * Amortization and Mortgage Strategies (00:08:00)
   
   * Discussion about choosing between 15-year vs. 30-year mortgages and strategies on optimizing payments.
   * Action Item: Use an amortization calculator to improve understanding of mortgage payments. (00:12:00)

 * Choosing Between Buying and Renting (00:21:00)
   
   * Exploration of the pros and cons of renting compared to owning, highlighting personal flexibility.
   * Key Quote: "Customize your financial journey according to your personal needs and goals." (00:18:18)

 * Simplifying Life through Financial Independence (00:25:00)
   
   * Talk about minimalism and how it impacts choices around owning or renting.
   * Action Item: Evaluate whether renting allows you more freedom and flexibility in your life. (00:25:59)

 * The Role of Travel Rewards (00:37:00)
   
   * Importance of managing spending while maximizing benefits from travel rewards programs.
   * Key Quote: "Consider preloading gift cards to manage your travel rewards spending." (00:43:57)

 * Conclusion and Key Takeaways (00:49:00)
   
   * Final thoughts focused on empowerment in financial decisions and seeking small improvements in life.

Key Insights
 * Emotional well-being is crucial. Choosing to pay off a mortgage should factor in personal comfort, as financial decisions often intertwine with emotions.
 * Flexibility vs. Certainty: A 30-year mortgage can provide flexibility, allowing individuals to make extra payments while having lower base payments.
 * Renting offers freedom: For some, renting can lead to a sense of liberation and a less complicated financial life.
 * Travel rewards must be managed wisely: Spending to achieve travel rewards should be monitored to avoid unnecessary overspending.

Actionable Takeaways
 * Consider your emotional readiness when deciding to pay off your mortgage early. (00:03:10)
 * Evaluate whether renting allows you more freedom and flexibility in your life. (00:25:59)
 * Use amortization calculators to understand your mortgage better. (00:12:00)

Discussion Questions
 * How does paying off a mortgage early affect emotional well-being? (00:03:10)
 * What benefits do you see in renting versus owning a home? (00:25:59)
 * How can you incorporate simplicity in your financial life? (00:49:24)

 

You Might Be Interested In
 * The Ultimate Guide to Credit Card Travel Rewards | Part 1 [https://choosefi.com/travel-rewards-101-ultimate-guide-to-travel-rewards-part-1]
 * Future Value of Investment Calculator [https://choosefi.com/future-value-of-investment-calculator]

   

551 | Roundup: Buy vs. Rent, Mortgage Amortization, Minimalism and More

Ginger interviews Meghan Combs, who shares her journey to financial independence after recently getting married. They discuss budgeting strategies, the significance of personal values in spending, and adapting financial goals amid life transitions. Meghan reflects on her net worth of $527,000 and the impact of automating savings, as well as her desire for meaningful experiences over excessive frugality. As the host of the Everyday FI Podcast she encourages listeners to embrace flexibility in their financial identities.

Key Takeaways
 * Wedding Budgets: Meghan shares her strategy to keep her wedding expenses under $10,000 by limiting the guest list and choosing affordable venues.
 * Net Worth Insights: Her current net worth is $527,000, attributed to both her and her husband’s financial strategies and property investments.
 * Automate Savings: Automating savings directly from her paycheck has been key to consistency in her financial journey.
 * Money Fluid Identity: Meghan promotes the concept of being “money fluid” rather than strictly identifying as frugal or a spender, allowing for adaptability in financial decisions.
 * Planning for Parenthood: The high costs of starting a family, including IVF, can shift financial priorities and goals.

Timestamps
 * 00:00:00 - Introduction to the episode and guest, Meghan Combs.
 * 00:01:06 - Conversation begins with Meghan about her recent wedding.
 * 00:05:32 - Discussion on net worth and financial plans post-marriage.
 * 00:08:42 - Mentioning how life changes affect financial independence goals.
 * 00:32:53 - Emphasizing the importance of adopting a fluid money identity.
 * 00:40:28 - Highlighting the benefits of automating savings.

Major Topics Discussed

 1. Wedding Planning Meghan shares her experience planning a budget-friendly wedding and the importance of limiting the guest list for cost control.
    
    * Key Insight: Keep your guest list tight to stay under budget. (00:03:45)

 2. Current Financial Position Reflecting on her net worth and how her recent marriage has impacted it.
    
    * Key Insight: It's okay for your FI number to evolve. (00:08:46)

 3. Saving Strategies Meghan's most effective budgeting strategy is automating her savings and critically assessing her purchases based on personal values.
    
    * Key Insight: Automate savings directly from your paycheck. (00:40:28)

 4. Personal Financial Identity The discussion shifts to how financial identities can constrain decision-making and the benefits of maintaining flexibility.
    
    * Key Insight: Adopt a money fluid identity. (00:32:53)

 5. Impact of Major Life Changes Addressing the costs involved with starting a family and unexpected expenses that can influence financial priorities.
    
    * Key Insight: Life changes can shift priorities and expectations regarding financial independence. (00:08:42)

Actionable Takeaways
 * Automate your savings directly from your paycheck to ensure consistency. (00:40:28)
 * Reflect on your values when making significant purchases for financial success. (00:41:15)
 * Keep your wedding guest list tight to control costs. (00:03:45)

Related Resources
 * Everyday FI Podcast [https://everyday-fi.com/]

Discussion Questions
 * What are your thoughts on the importance of keeping a tight guest list for events? (00:03:45)
 * How has your net worth impacted your financial goals? (00:05:32)
 * Discuss the effectiveness of automati

Getting Personal with Personal Finance: Meghan & Ginger | Ep 550

Episode Summary: Taxable brokerage accounts are often overlooked but are essential for building wealth and achieving early retirement. Brad Barrett and Cody Garrett highlight their flexibility, tax advantages, and strategic value. Cody Garrett provides insights on how to effectively navigate these accounts, dismantling common misconceptions while sharing actionable strategies.

Key Takeaways:

 * Understanding the definition and benefits of taxable brokerage accounts.
 * The flexibility of contributions and investment options.
 * Tax optimization strategies, including long-term capital gains and tax loss harvesting.
 * The importance of asset location for tax efficiency.
 * How to navigate the rules around gifting and estate planning regarding taxable accounts.

Timestamps:

 * 00:02:00 - Defining Taxable Accounts
 * 00:10:30 - Investment Opportunities and Options
 * 00:11:30 - Tax Benefits and Treatments
 * 00:25:00 - Best Investment Types for Taxable Accounts
 * 00:48:00 - Conclusion and Action Steps

Main Discussion Topics:

 1. Introduction to Taxable Brokerage Accounts (00:00:00)
    
    * The hosts introduce the episode’s focus on taxable brokerage accounts as crucial but often ignored tools in financial strategy.

 2. Defining Taxable Accounts (00:02:00)
    
    * A taxable brokerage account is described as a non-retirement account where investment income is taxed in the year it is earned, providing the flexibility of access and lack of penalties.

 3. Investment Opportunities and Options (00:10:30)
    
    * Taxable accounts allow unlimited contributions with various investment opportunities that traditional retirement accounts may restrict. This includes stocks, ETFs, mutual funds, and even cryptocurrencies.

 4. Tax Benefits and Treatments (00:11:30)
    
    * Earnings from dividends and long-term capital gains are subject to preferential tax rates, significantly benefiting investors. Discussion on tax strategies to minimize liabilities while maximizing income.

 5. Best Investment Types for Taxable Accounts (00:25:00)
    
    * U.S. stock index funds are highlighted as optimal investments for taxable accounts due to their lower tax implications on dividends compared to foreign stocks.

 6. Conclusion and Action Steps (00:48:00)
    
    * The episode wraps up with actionable steps for listeners, emphasizing the advantage of maximizing contributions to taxable accounts, especially after maxing out retirement accounts.

Actionable Takeaways:

 * Maximize contributions to your taxable brokerage account once you hit contribution limits for retirement accounts. (00:47:00)
 * Consider holding U.S. stock index funds in taxable accounts for favorable tax treatment. (00:25:00)
 * Utilize specific share identification methods for selling investments to optimize tax outcomes. (00:17:20)

FAQs:

 * What is a taxable brokerage account? A non-retirement account where investment earnings are taxed in the year they are earned. (00:02:30)

 * What are the main advantages of a taxable brokerage account? Unlimited contributions, diverse investment options, and favorable tax treatment on capital gains and qualified dividends. (00:11:30)

 * How are earnings taxed in a taxable account? Earnings are taxed in the year they are realized, which includes dividends and capital gains distributions. (00:03:00)

 * Are there any penalties for early withdrawal from a taxable acco

Deep Dive: Taxable Brokerage Accounts | Ep 549

In this episode of ChooseFI, Ryan Brennan, founder of the FI Service Core, dives into his journey within the financial independence (FI) community and how he is merging it with the spirit of volunteering. The discussion explores Ryan's background as a recovering CPA, his transition into this new venture, and the pilot events that successfully combined community service with social bonding.

Key Takeaways
 * Financial independence can intertwine with community service to create meaningful experiences.
 * A supportive community is essential for financial independence and personal fulfillment.
 * Organizing local service events can facilitate connections and promote engagement within the FI community.
 * The pilot event in December 2024 demonstrated the importance of bonding while volunteering, paving the way for future events.

Timestamps and Highlights
 * 00:00:00 - Introduction to the Episode
 * 00:01:22 - Ryan's Journey from CPA to FI
   * Transition from CPA to focusing on community and service.
 * 00:02:56 - Financial Runway
   * Importance of financial planning and having a runway to support lifestyle changes.
 * 00:07:31 - Volunteering during Mini Retirements
   * Discusses the interplay of financial independence and taking time off to volunteer.
 * 00:15:04 - Connecting Financial Independence with Service
   * Ideas for blending personal finance goals with service projects.
 * 00:37:27 - The December 2024 Pilot Event
   * Overview of the inaugural service trip and its success.
 * 00:46:58 - Future Plans for FI Service Core
   * Opportunities for ongoing involvement and expansion of service events.

Key Quotes
 * “The community is eager for connection and opportunities to give back.” (00:01:23)
 * “My financial runway allowed me to comfortably transition away from traditional work.” (00:02:56)
 * “Mindset shifts are crucial on the path to financial independence.” (00:06:12)
 * “Community engagement enhances the experience of financial independence.” (00:30:50)

Actionable Takeaways
 * Create a Financial Runway: Plan your finances to support potential lifestyle changes or time off work. (00:02:56)
 * Combine Interests with Service: Reflect on how your personal finance goals can facilitate giving back to the community. (00:21:08)

Related Resources
 * Book: Rich Dad Poor Dad [https://www.amazon.com/Rich-Dad-Poor-Teach-Middle/dp/1612680194?tag=choosefi-20] (00:15:34)
 * ChooseFI Podcast: Listen Here [https://choosefi.com/podcast] (00:18:41)

Discussion Questions
 * In what ways can financial independence be linked to volunteering? (00:21:08)
 * How can local groups create impactful service events? (00:30:54)

Action Items
 * Sign Up for the Mailing List: Join the FI Service Core mailing list at FIServiceCore.org for updates on events. (00:49:37)
 * Organize a Local FI Meetup: Consider creating a service-oriented event within your local FI community. (00:27:21)

Conclusion

Ryan Brennan's commitment to merging financial independence with communal service reflects a growing trend in the FI community to find purpose beyond numbers. The discussions emphasize that financial journeys can lead to enriching experiences while giving back, making the pursuit of FI not just a personal endeavor but a collective mission.

For more information and to get involved, vi

548 | FI Service Corps | Ryan Brennan

In this episode, JL Collins discusses the transformative principles of financial independence outlined in his renowned book, The Simple Path to Wealth. Collins emphasizes the simplicity of investing, the power of living below your means, and the crucial role of compounding returns in achieving financial freedom. The conversation also touches on the newly revised edition of the book, addressing updated data and emergent financial topics, including cryptocurrency, all while maintaining the core philosophy that has empowered millions.

Key Takeaways:
 * Financial Freedom's Core: Understanding that financial freedom is achievable through deliberate actions—avoiding debt, living on less than you earn, and investing wisely.
 * The Power of Compounding: Small, consistent investments can lead to significant wealth over time due to compounding returns.
 * Market Downturns as Opportunities: Viewing market declines as chances to buy stocks at lower prices rather than reasons to sell.
 * Simplicity in Investing: Collins advocates a straightforward approach to investing, primarily using low-cost index funds.
 * Revised Edition Highlights: The updated book includes new data, case studies, FAQs, and insights into cryptocurrency while retaining its foundational message.

Timestamps & Key Discussion Points:

 * 00:00:19 The Release of the Revised Book Discussion on the new 2025 edition of The Simple Path to Wealth and its significance.

 * 00:05:22 Understanding the Simple Path to Wealth Collins describes how the book began as a personal guide for his daughter and evolved into a life-changing resource for many.

 * 00:07:39 The Importance of Compounding Explanation of compounding wealth and the misconception that it requires starting at a young age.

 * 00:20:15 Investing in Index Funds Discussion on the benefits of investing in broad-based low-cost index funds, particularly VTSAX.

 * 00:27:15 Market Trends and Self-Cleansing Funds Collins introduces the concept of self-cleansing funds and how stock indices adapt to market changes.

Actionable Takeaways:
 * Embrace investing consistently in low-cost index funds like VTSAX or similar.
 * Aim for a high savings rate to expedite financial independence.
 * View market downturns as opportunities to enhance your portfolio.
 * Set up automatic contributions to investment accounts.
 * Understand that freedom is the ultimate goal of wealth-building efforts.

Discussion Questions:
 * What strategies can you implement to live on less than you earn?
 * How do you feel about the role of compounding in wealth building?

Related Resources:
 * The Simple Path to Wealth - 2025 Edition [https://www.amazon.com/Simple-Path-Wealth-Revised-Expanded/dp/B0DQJMVM59/?tag=choosefi-20]

Key Quotes:
 * "If you reach for a star, you might not get one, but you won’t come up with a handful of mud either." [Timestamp: 00:09:31]
 * "A stock market crash is a gift." [Timestamp: 00:35:31]

The Simple Path Revisited in 2025 With JL Collins | Ep 547

Dr. Bobby DuBois returns to discuss the essential role of sleep in achieving financial independence and enhancing overall health. He addresses the worrying trend of sleep deprivation among Americans and its significant consequences on heart health, weight management, and cognitive functionality. This episode is filled with evidence-based insights and practical strategies aimed at prioritizing sleep as a vital component in the journey towards financial freedom.

Timestamps & Key Topics

 * 00:01:26 - Welcome Dr. Bobby DuBois
   
   * Recap of Dr. DuBois's credentials and previous appearance on episode 498 discussing the six pillars of health.

 * 00:03:07 - Importance of Sleep
   
   * Key Quote: "Prioritizing sleep is crucial for overall health."
   * Overview of why sleep is fundamental for health and financial independence.

 * 00:05:44 - Health Investment Early On
   
   * Key Quote: "Start focusing on your health now; don’t wait until retirement."
   * Insight into how healthy habits, like good sleep, should start early in life.

 * 00:07:19 - Sleep is Essential
   
   * Key Quote: "Sleep is essential, not optional."
   * Discussion of sleep statistics: only 50% of Americans sleep under seven hours.

 * 00:08:30 - Health Impacts of Sleep Deprivation
   
   * Risk increases for heart attacks, obesity, and dementia due to lack of sleep.

 * 00:18:07 - Do’s and Don'ts of Sleep
   
   * Actionable tips on how to improve sleep quality.

 * 00:51:15 - Final Tips and Techniques
   
   * Summary of sleep improvement strategies.

Key Insights & Takeaways

 * Sleep Duration:
   
   * Aim for 7-8 hours of quality sleep; significant health risks arise from sleep shorter than seven hours.

 * Do's for Better Sleep:
   
   * Maintain a consistent sleep schedule: go to bed and wake up at the same time daily (00:36:27).
   * Create a comfortable, cool sleeping environment, ideally under 70 degrees (00:38:23).
   * Limit caffeine to morning consumption to avoid disruptions (00:41:41).
   * Engage in regular exercise, tailored to individual preferences, to enhance sleep quality.
   * Utilize sunlight exposure in the morning to set your body's circadian rhythm.

 * Don'ts for Better Sleep:
   
   * Avoid alcohol close to bedtime; it disrupts sleep cycles and reduces quality (00:43:00).
   * Eliminate late-night eating and limit fluids before bed to prevent awakenings (00:49:34).
   * Refrain from napping late in the day to maintain sleep pressure.

Action Items

 * Track your sleep patterns, either through a sleep tracker or a sleep journal (00:21:45).
 * Experiment with establishing a wind-down routine that minimizes screen time and promotes relaxation (00:50:10).

Resources Mentioned

 * Books:
   
   * Why We Sleep by Matthew Walker - Link [https://www.mattwalker.com/] (00:10:48)

 * Assessments:
   
   * Pittsburgh Sleep Quality Index - Link [https://www.sleep.pitt.edu/] (00:22:17)

 * Dr. Bobby's Website:
   
   * drbobbylivelon [https://drbobbylivelongandwell.com/]

Sleep Masterclass | Dr. Bobby Dubois | Ep 546

How would your life change if you reached Financial Independence and got to the point where working is optional? What actions can you take today to make that not just possible but probable. Jonathan & Brad explore the tactics that the FI community uses to reclaim decades of their lives. They discuss reducing expenses, crushing debt, tax optimization, building passive income streams through online businesses and real estate and how to travel the world for free. Every episode is packed with actionable tips and no topic is too big or small as long as it speeds up the process of reaching financial independence.

Brad Barrett

Shows