Mile High FI Podcast From $240K in Debt to Early Retirement at Age 48 - Josh (Part 1) | MHFI 287
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Sep 30, 2025 In this engaging discussion, Josh Epley, an early retiree and real estate investor, shares his inspiring journey from $240K in debt to achieving a multimillion-dollar net worth. He highlights the power of budgeting and real estate investing, detailing how he transformed his financial life. Josh also reflects on the emotional challenges of flipping properties, the significance of intentional living post-retirement, and the practical advice he's gleaned along the way. Plus, he introduces his new podcast aimed at supporting others in navigating their own financial transitions.
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From Bankruptcy To Early Retirement
- Josh and Lori started deeply in debt, including foreclosure and Chapter 7 bankruptcy, and lived paycheck to paycheck for years.
- They turned things around and Josh retired at 48 after a 15-year recovery and wealth buildup.
Numbers Shared To Inspire
- Their current net worth is roughly $2.7M with about $1.2M in real estate and $1.3M in tax-deferred accounts.
- Josh shares numbers publicly to inspire others from difficult financial situations.
Use Cash Envelopes To Curb Spending
- Use a cash-envelope or jar system to force spending discipline and avoid overspending.
- Stop using debit/credit cards for discretionary categories once cash allocated is gone.
