Mile High FI Podcast The Search for Community & Identity in Early Retirement - Rebecca Herbst | MHFI 301
Jan 6, 2026
Rebecca Herbst, an early retiree and founder of Yield & Spread, shares her journey of exploring community and identity after financial independence. She discusses the challenges of finding a suitable place to live, their road trip experiments, and the transition from a scarcity to an abundance mindset. Rebecca highlights her nonprofit’s mission to promote high-impact giving within the finance community, emphasizing the importance of community connections and identity post-career. Tune in for insights on lifestyle choices and redefining purpose after work!
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Road-Testing Cities In A Highlander
- Rebecca and Joe sold almost everything and road-tripped to test mountain towns while living out of a Toyota Highlander.
- They planned multi-week stays to feel each place but stopped the experiment after they fell for Ogden and stayed.
Model Higher Spending Post‑FI
- Do re-evaluate lifestyle choices after FI; increased expenses can still fit long-term plans when modeled.
- Try plugging new housing and childcare costs into retirement calculators before deciding.
Compare Cities By Active Income Needs
- Framing location decisions by needed active income clarifies trade-offs between cheap and expensive places.
- Rebecca used the Fineers milestones template to compare active income needs across cities rather than raw home prices.
