Mile High FI Podcast

Doug and Carl talk to Chris Hutchins about life hacks, optimization, and key takeaways/changes driven by the book “Die with Zero”.  Chris also discusses his podcast “All the Hacks” and his plans to further evolve the brand. Chris’s passion for digging deep into content that interests him Taking “All the Hacks” from not only a podcast, but to a platform that builds community through a membership program (dubbed the “AAA for our generation") Misconceptions about life hacks - looking for shortcuts vs. putting in the work for better outcomes “Die with Zero” takeaways - maximizing life vs. net worth, time bucketing, providing inheritances before death One of the best hacks is supporting Mile High FI.  Come on over to Buy Me A Coffee to start optimizing your life today! Links Chris Hutchins: All the Hacks All the Hacks Membership Bill Perkins episode Arthur Brooks episode Ramit Sethi Tim Ferriss Playing with Fire movie Rich Roll, Why You Shouldn’t Hack Your Life Bill Perkins, Die With Zero Trust & Will Doug’s site Carl’s blog: 1500 Days -- Join the Mile High FI Club – It’s our email list! Get MHFi Merch – It helps support the show. Get t-shorts & more **Disclaimer: The podcast is for informational purposes. Maybe entertainment but we won't even make such a claim. You shouldn't take the info as financial, legal, or tax advice. We aren't certified financial planners or advisors. We're not qualified for much. So get advice from professionals.** Brought To You By: The Doug Show, aka Affiliate Marketing & Side Hustles 1500 Days, Carl's Blog about Early Retirement Email us here: doug@milehighfi.com or carl@milehighfi.com 0:00 Introduction 1:49 Ramit Sethi 7:18 Building the podcast 14:34 Chris’s origin story 24:22 Optimization failures 33:24 “Die With Zero” takeaways 44:48 Estate planning 50:09 Chris’s favorite episode & hack

Inspired by the book Die With Zero, Doug and Dusti discuss buckets lists & time buckets and provide personal examples/goals from their own lives. Definition of bucket lists and time buckets Doug & Dusti’s backgrounds, life expectations, goals, and personal time buckets by decade. Bucket planning - with a partner vs. alone, need for flexibility Is supporting Mile High FI on your bucket list? If so, head on over to Buy Me A Coffee. Links Bill Perkins, Die With Zero Stanford Definition of Bucket List Business Insider Definition of Time Buckets Peter Attia, Outlive Leckerlee Cookies Oliver Burkeman, Four Thousand Weeks Thom Lafond Connect with Dusti: Instagram Facebook Doug’s site Carl’s blog: 1500 Days -- Join the Mile High FI Club – It’s our email list! Get MHFi Merch – It helps support the show. Get t-shorts & more **Disclaimer: The podcast is for informational purposes. Maybe entertainment but we won't even make such a claim. You shouldn't take the info as financial, legal, or tax advice. We aren't certified financial planners or advisors. We're not qualified for much. So get advice from professionals.** Brought To You By: The Doug Show, aka Affiliate Marketing & Side Hustles 1500 Days, Carl's Blog about Early Retirement Email us here: doug@milehighfi.com or carl@milehighfi.com 0:00 Introduction 7:01 Bucket lists 15:38 Time buckets 21:17 Doug & Dusti’s background/life expectations 34:14 Impact of activity & fitness 45:00 What’s in Doug & Dusti’s time buckets 55:43 Planning 1:06:35 Soundcheck - Dancing Doug

Doug and Carl talk about a case study submitted by New Jersey Steve! It turns out that Steve is doing really well, but could still use some gentle nudges. Steve’s money situation (he’s doing really well!) Should Steve take the new job? Identity and purpose after leaving work Leaving money on the table Do you love Mile High FI? Support us over at Buy Me A Coffee. It’s the right thing to do. Don’t wait, act now! Links Doc G’s book: Taking Stock Nate Bargatze - Worst time traveler Doug’s site Carl’s blog: 1500 Days -- Join the Mile High FI Club – It’s our email list! Get MHFi Merch – It helps support the show. Get t-shorts & more **Disclaimer: The podcast is for informational purposes. Maybe entertainment but we won't even make such a claim. You shouldn't take the info as financial, legal, or tax advice. We aren't certified financial planners or advisors. We're not qualified for much. So get advice from professionals.** Brought To You By: The Doug Show, aka Affiliate Marketing & Side Hustles 1500 Days, Carl's Blog about Early Retirement Email us here: doug@milehighfi.com or carl@milehighfi.com 0:00 Introduction 1:23 TV show recommendations 8:49 Steve’s questions & initial analysis 14:02 Identity crisis 24:54 Squandering opportunities 33:32 How to make a decision 38:05 Value of time vs. money 43:17 Final thoughts 48:56 Soundcheck - Egyptologist

Carl was harassed by a YouTube troll. Now, he wants to know how to deal with insults. Doug is immune from criticism, so Carl asked him about his stoic ways. Carl tells the story of the troll Does Doug consider himself to be stoic? You don’t matter The traffic situation that makes Doug mad Do you love Mile High FI? I hope so because we love you. We really do. Show us your love by supporting us: Buy Me A Coffee. Links Jocko podcast: Are the insults about you true? Mr. Money Mustache on BiggerPockets Money Derek Sivers Doug’s site Carl’s blog: 1500 Days -- Join the Mile High FI Club – It’s our email list! Get MHFi Merch – It helps support the show. Get t-shorts & more **Disclaimer: The podcast is for informational purposes. Maybe entertainment but we won't even make such a claim. You shouldn't take the info as financial, legal, or tax advice. We aren't certified financial planners or advisors. We're not qualified for much. So get advice from professionals.** Brought To You By: The Doug Show, aka Affiliate Marketing & Side Hustles 1500 Days, Carl's Blog about Early Retirement Email us here: doug@milehighfi.com or carl@milehighfi.com 0:00 Introduction 1:10 Whiskey 8:34 Doug’s Stoicism journey 15:16 Handling criticism 24:33 Letting go of stress & anxiety 32:46 External validation 39:27 Carl’s Stoic aspirations 44:33 Lowering stress by doing less 52:45 Soundcheck - Writer’s retreat

Doug and Carl talk about Craig’s money situation. 4% Rule. Yet again. Craig is KILLING it. He REALLY needs to quit. Navigating the ACA. What to do with yourself in retirement. Do you want to support Mile High FI? Yes? Great, that's what we were hoping to hear! Come on over to Buy Me A Coffee. Links Die With Zero Arik Peterson Health insurance: Carl and Mindy used this free service to find an ACA plan. It worked great! The service gets paid by the insurance company for the referral. Doug’s site Carl’s blog: 1500 Days -- Join the Mile High FI Club – It’s our email list! Get MHFi Merch – It helps support the show. Get t-shorts & more **Disclaimer: The podcast is for informational purposes. Maybe entertainment but we won't even make such a claim. You shouldn't take the info as financial, legal, or tax advice. We aren't certified financial planners or advisors. We're not qualified for much. So get advice from professionals.** Brought To You By: The Doug Show, aka Affiliate Marketing & Side Hustles 1500 Days, Carl's Blog about Early Retirement Email us here: doug@milehighfi.com or carl@milehighfi.com 0:00 Introduction 1:28 Lazy book ideas 9:20 Craig’s questions & initial analysis 16:55 Die With Zero 26:22 Healthcare 30:12 How to fill the time 39:38 Final advice 46:25 Soundcheck - Hydration

Living in a van down by the river used to be for the destitute. Now, all of the cool kids are doing it. Doug and Carl talk about van life with Teri Slater, a Longmont local and friend. Teri is a financial expert with a remarkable story. She got out of 200K in debt, having some very difficult conversations along the way with a spendy partner. Now, she’s building a van to begin the next journey of her life. Getting out of big debt Choosing a van Van conversions Road trips Starlink satellite internet Eating healthy on the road Full costs revealed Do you think that Mile High FI is a great listen? Well then, support us! It’s quick and easy over at Buy Me A Coffee. Links Teri’s Instagram Van Life Academy Harvest Hosts Boondockers Welcome Trusted Housesitters Doug’s site Carl’s blog: 1500 Days -- Join the Mile High FI Club – It’s our email list! Get MHFi Merch – It helps support the show. Get t-shorts & more **Disclaimer: The podcast is for informational purposes. Maybe entertainment but we won't even make such a claim. You shouldn't take the info as financial, legal, or tax advice. We aren't certified financial planners or advisors. We're not qualified for much. So get advice from professionals.** Brought To You By: The Doug Show, aka Affiliate Marketing & Side Hustles 1500 Days, Carl's Blog about Early Retirement Email us here: doug@milehighfi.com or carl@milehighfi.com 0:00 Introduction 1:25 Intro to Teri Slater 5:11 Getting out of debt 9:49 Van build out 20:50 Planning where to go 25:39 Starlink 31:58 Daily routine & organization 36:57 Eating on the road 40:43 Van life expenses 48:50 Reflections & perfect day 54:10 Soundcheck - Omaha

Carl and Mindy were on Ramit Sethi’s podcast. Why? How? When? Doug gets answers. Why do this? What was the experience like? Stop using the word “optimization!” Surprising advice Changes Do you think that Mile High FI is a great listen? Well then, support us! It’s quick and easy over at Buy Me A Coffee.   Links I Will Teach You To Be Rich Episode 108: “We achieved FIRE with $4.3M. Why can’t we enjoy it?” Ramit on Mad FIentist Support Mile High FI Doug’s site - Check out the NEW Sleep Post. Carl’s blog: 1500 Days -- Join the Mile High FI Club – It’s our email list! Get MHFi Merch – It helps support the show. Get t-shorts & more **Disclaimer: The podcast is for informational purposes. Maybe entertainment but we won't even make such a claim. You shouldn't take the info as financial, legal, or tax advice. We aren't certified financial planners or advisors. We're not qualified for much. So get advice from professionals.** Brought To You By: The Doug Show, aka Affiliate Marketing & Side Hustles 1500 Days, Carl's Blog about Early Retirement Email us here: doug@milehighfi.com or carl@milehighfi.com 0:00 Introduction 1:51 Why go on Ramit’s podcast? 6:15 What the experience was like 13:40 Issues to solve 19:37 Key takeaways 27:38 Small steps towards change 35:46 “Die With Zero” criticism 42:08 Impact of the interview 50:30 Podcast takeaways & tips 56:40 Cleaning 1:02:20 Soundcheck - Costco grand opening

Doug and his co-host Amberly chat with Chen-Chen Huo, co-founder of a banking startup called Nexus. Chen-Chen has a very interesting path as an entrepreneur, working first in the mac & cheese business before moving into fintech.  Nexus has some cool, disruptive ideas, such as providing users the ability to invest their full balance to earn market returns, with the idea that your bank account should be earning money for you and not the bank. Choosing entrepreneurship vs. a safer route Risk avoidance/risk tolerance What enabled risk-taking & runway for growing a business Building a good team Goals at Nexus and how it works And of course, Mac & Cheese Support us over at Buy Me a Coffee. Everyone else is doing it, we think you should too! Links   Nexus Nexus on TikTok Nekus on Instagram Econome Doug’s site Carl’s blog: 1500 Days Connect with Amberly Grant! AmberlyGrant.com FinTalks Instagram Amberly on Facebook -- Join the Mile High FI Club – It’s our email list! Get MHFi Merch – It helps support the show. Get t-shorts & more **Disclaimer: The podcast is for informational purposes. Maybe entertainment but we won't even make such a claim. You shouldn't take the info as financial, legal, or tax advice. We aren't certified financial planners or advisors. We're not qualified for much. So get advice from professionals.** Brought To You By: The Doug Show, aka Affiliate Marketing & Side Hustles 1500 Days, Carl's Blog about Early Retirement Email us here: doug@milehighfi.com or carl@milehighfi.com 0:00 Introduction 1:20 Build-your-own mac & cheese (MAC’D) 7:19 Amberly & Chen-Chen at Econome 13:47 Chen-Chen’s financial upbringing 20:07 Entrepreneurship & risk-taking 28:57 Nexus - revolutionizing banking 34:54 Comparing food industry vs. fintech 41:11 Building a good team 46:02 Accountability 50:25 How Nexus operates

Doug and Carl talk to Kyle Landis-Marinello about the (mostly financial) mistakes each of them have made. Kyle recounts an interview gone bad and learning about personal finance/financial independence late in life Carl’s scarcity mindset, not spending enough, not taking much time off, and selling Apple stock to fund a real estate purchase Doug describes a house purchase and subsequent foreclosure Other mistakes: Miscalculating student loan repayments, stopping contributions to retirement accounts in down markets, analysis paralysis Do you love Mile High FI? Do you loathe Mile High FI?  Regardless of your feelings, set those aside and support us over at Buy Me a Coffee. Links Kyle on MHFI Episode 76 Kyle's website Kyle's book: Personal Finance and Investing Doug’s site Carl’s blog: 1500 Days -- Join the Mile High FI Club – It’s our email list! Get MHFi Merch – It helps support the show. Get t-shorts & more **Disclaimer: The podcast is for informational purposes. Maybe entertainment but we won't even make such a claim. You shouldn't take the info as financial, legal, or tax advice. We aren't certified financial planners or advisors. We're not qualified for much. So get advice from professionals.** Brought To You By: The Doug Show, aka Affiliate Marketing & Side Hustles 1500 Days, Carl's Blog about Early Retirement Email us here: doug@milehighfi.com or carl@milehighfi.com 0:00 Introduction 2:37 Reintroduction to Kyle Landis-Marinello 9:08 Kyle’s mistake #1 - Faulty pants 14:13 Kyle’s mistake #2 - Learning about money late 21:06 Carl’s mistake #1 - Not spending 25:33 Carl’s mistake #2 - Selling Apple 29:56 Doug’s mistake - Buying a house 43:12 Kyle’s mistake #3 - Student loans 47:29 Other mistakes 53:10 Soundcheck - Fashion Advice

Doug and Carl talk about the shift from saving to spending in retirement. In part 4, they review listener feedback. Shane talks about how he spent 50% more than planned; and loved it! Darren and Jolene talk about the difficulty in spending Anonymous suggests bond ladders as a way to cover retirement spending Mark talks about the Fun Bucket Do you love Mile High FI? Support us over at Buy Me a Coffee. It’s the right thing to do. Don’t wait, act now! Links Mark’s Money Mind Do Nothing Peter Attia Michael Kitces Doug’s site - Check out the NEW Sleep Post. Carl’s blog: 1500 Days -- Join the Mile High FI Club – It’s our email list! Get MHFi Merch – It helps support the show. Get t-shorts & more **Disclaimer: The podcast is for informational purposes. Maybe entertainment but we won't even make such a claim. You shouldn't take the info as financial, legal, or tax advice. We aren't certified financial planners or advisors. We're not qualified for much. So get advice from professionals.** Brought To You By: The Doug Show, aka Affiliate Marketing & Side Hustles 1500 Days, Carl's Blog about Early Retirement Email us here: doug@milehighfi.com or carl@milehighfi.com 0:00 Introduction 1:20 Bidets 8:56 Comments from Shane - pre & post-FI spending 15:33 Comments from Darren & Jolene - spending flexibility 21:27 Future employment 25:18 Comments from Anonymous - bond ladders 28:06 Doing less 35:59 Comments from Mark - fun bucket 42:43 New Tesla 48:28 Soundcheck - The Gym