ChooseFI
ChooseFI
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.
Episodes
Mentioned books
18 snips
Jul 28, 2025 • 1h
It's Big, But Is It Beautiful? Let's Talk About It... | Ep 557
In this engaging discussion, Sean Mullaney, The FI Tax Guy and co-author on tax planning for early retirement, shares insights into the recently passed One Big Beautiful Bill. He and Brad delve into how extended tax rates and a higher standard deduction can benefit early retirees. They also highlight new charitable contribution deductions for non-itemizers and introduce a $6,000 senior deduction for those 65 and older. Plus, strategies for maximizing premium tax credits starting in 2026 are explored, making this a must-listen for financial independence enthusiasts.
84 snips
Jul 21, 2025 • 1h 1min
Mailbag: Bond Funds, Roth Conversions, Advanced FI Strategies, Solo 401k and Backdoor Roth
In this conversation, Rachael Camp, a Certified Financial Planner, shares her extensive expertise in financial independence strategies. She discusses the intricacies of bond investments amidst fluctuating interest rates and outlines key approaches for optimizing Roth IRA conversions, especially before pension income kicks in. Rachael also delves into handling inheritances effectively, emphasizing the need for wise tax planning. Her insights aim to equip listeners with actionable strategies for enhancing their financial futures.
36 snips
Jul 14, 2025 • 58min
Are You Over-Optimizing? | Jesse Cramer | Ep 555
Jesse Cramer, a relationship manager and host of a personal finance podcast, joins the discussion on navigating financial complexities. He emphasizes the importance of resilience over the danger of striving for perfection in financial planning. Jesse unpacks strategies like tax loss harvesting and asset location, shedding light on common pitfalls and the need for a balanced approach. Throughout, they advocate for continually reassessing financial goals to adapt to changing circumstances, promoting a holistic view of financial independence.
11 snips
Jul 7, 2025 • 59min
From Poverty to Semi-Retired | Kristen Knapp | Ep 554
Kristen Knapp, a former meteorologist and founder of FI Friends Travel, shares her inspiring journey from poverty to financial independence. She highlights the importance of community in the FI movement, discussing how local groups can transform lives. Kristen introduces her venture, which connects travel enthusiasts through shared experiences, and offers practical travel tips based on her own adventures. Listeners gain insights on fostering connections and navigating financial literacy while exploring the world.
34 snips
Jun 30, 2025 • 1h 7min
Deep Dive: Putting the Middle-Class Trap to Bed | Ep 553
Cody Garrett, a Certified Financial Planner, joins for an engaging discussion on breaking free from the 'middle-class trap.' They debunk myths around financial independence, emphasizing community support and liquidity. The conversation includes innovative ways to access retirement funds early and critiques the limitations of the 4% withdrawal rule. Through compelling case studies, they highlight unique financial strategies for early retirement. Listeners are also introduced to an upcoming book focused on tax planning for financial freedom.
28 snips
Jun 23, 2025 • 52min
Unraveling Your Relationship with Money | Shannah Game | Ep 552
Brad chats with Shannah Game, a Certified Financial Planner and author of 'Unraveling Your Relationship with Money'. They delve into the emotional aspects of finance, revealing that personal finance is largely psychological. Shannah shares insights on money trauma affecting individuals from various backgrounds. They discuss strategies for intentional spending, like the 24-hour rule, and emphasize establishing personal financial boundaries. Shannah highlights the importance of self-trust and a growth mindset in achieving financial wellness.
37 snips
Jun 16, 2025 • 59min
Roundup: Buy vs. Rent, Mortgage Amortization, Minimalism and More | Ep 551
Explore the emotional journey of paying off a mortgage early and its broader financial implications. Discover the balance between renting and owning a home, focusing on personal flexibility versus the limitations of renting. Dive into minimalism and its impact on lifestyle choices, promoting intentional purchasing. Learn strategies for optimizing mortgage payments and the importance of community engagement in financial independence. The discussion wraps up with tips on navigating credit and maximizing rewards while simplifying life.
24 snips
Jun 9, 2025 • 47min
Getting Personal with Personal Finance: Meghan & Ginger | Ep 550
Meghan Combs, the host of the Everyday FI Podcast, shares her inspiring journey to financial independence after marriage. She discusses her impressive net worth of $527,000, emphasizing budgeting strategies that kept her wedding under $10,000. Meghan highlights the power of automating savings and the concept of being 'money fluid,' allowing for flexibility in financial choices. As she plans for parenthood, she reflects on how major life changes can shift financial priorities, advocating for meaningful experiences over mere frugality.
90 snips
Jun 2, 2025 • 52min
Deep Dive: Taxable Brokerage Accounts | Ep 549
In this engaging discussion, Cody Garrett, a financial planner at Measure Twice, Money, dives into the world of taxable brokerage accounts. He unpacks their often-overlooked benefits for building wealth and early retirement, highlighting strategies for tax efficiency. Listeners learn about the flexibility of contributions and investments, ways to optimize tax outcomes through techniques like tax loss harvesting, and the intricacies of gifting within these accounts. Cody's insights empower anyone looking to navigate their financial journey with confidence.
9 snips
May 26, 2025 • 51min
FI Service Corps | Ryan Brennan | Ep 548
Ryan Brennan, the founder of the FI Service Corps, shares his inspiring journey from CPA to community service advocate. He discusses the importance of intertwining financial independence with volunteering, highlighting how service can enhance personal fulfillment. Ryan emphasizes the success of a pilot event that fostered connections within the FI community and his vision for future service trips. He also explores the enriching experiences gained from blending personal finance goals with volunteer work, ultimately creating a more engaged and supportive community.
