
Two Sides of FI
Two lifelong friends document and share their personal journey as they seek to become financially independent and retire early (FIRE). One achieves his FIRE goal in 2020 during a global pandemic, inspiring the other to play catch-up. Whether you are new to the FIRE movement, already on your FIRE journey, or have retired early, there’s something here for you. Go beyond the numbers and get the personal stories as experienced by Eric and Jason.
Latest episodes

Jun 1, 2025 • 51min
Our Biggest Fears About Early Retirement
What are the scariest aspects of early retirement? Finances might be just the tip of the iceberg. The conversation dives into fears about identity shifts, social isolation, and the societal judgments that come when leaving work behind. Listeners discover how to navigate unexpected costs, adjust budgets, and even maintain social connections. The hosts share their personal experiences, emphasizing that emotional readiness can be just as important as financial security when taking the leap into a new lifestyle.

6 snips
May 18, 2025 • 1h 18min
Life After FIRE: Your Toughest Questions, Answered
After five years in early retirement, Eric and Jason open up about their journey and lessons learned. They tackle pressing questions from their community, discussing everything from financial strategies to the emotional aspects of life post-FIRE. Discover insights on dividend investing misconceptions, the role of AI in financial planning, and the importance of personal connections after achieving independence. Alongside practical tips for travel and budgeting, they also share their love for anime and music, making for an engaging and relatable conversation.

May 4, 2025 • 39min
2025 Market Chaos Blowing up our FIRE Plans?
Market chaos in 2025 raises questions about early retirement plans. The speakers delve into the emotional rollercoaster of financial independence amidst volatility. They share personal investment strategies, emphasizing a balanced portfolio and psychological comfort. Rising costs challenge leisure and living expenses, pushing for adaptive financial planning. Transitioning to retirement means enjoying life while balancing finances, showcasing resilience and the importance of patience during uncertain times.

Apr 27, 2025 • 36min
What Should We Do With Bonds and Cash in a Crazy Market?
How should you respond to market conditions to ensure financial stability? Like the famous Mike Tyson quote says, "Everyone has a plan until they get punched in the mouth". In this episode, Eric talks with Jason about an unexpected opportunity to update his early retirement portfolio. Topics discussed include bond and cash allocations, asset location, and what they're doing to manage extreme market volatility.
Show notes: https://twosidesoffi.com/bonds

Mar 9, 2025 • 32min
It's Harder to Retire Than I Expected
Do some find it hard to retire because they don't know how to stop working? In today's episode, Eric talks with Jason about the challenges he's experienced after achieving FI, finding it hard to ramp down his business. Are we just wired to work hard or is there more to it? We discuss why Eric can't stop working, how it affects his spouse, and what Jason has learned in his five years of RE.
Show notes: https://twosidesoffi.com/crisis

Feb 23, 2025 • 50min
How We're Using ProjectionLab in (Early) Retirement
Discover how ProjectionLab is revolutionizing early retirement planning. The hosts share their personal experiences and the tool’s user-friendly features, making financial management more accessible. Explore the benefits of scenario modeling and the importance of establishing a strong foundation in retirement strategies. Learn about the innovative new features that help users visualize complex financial decisions, along with the supportive community surrounding the tool. It's a deep dive into optimizing your path to financial independence!

Feb 9, 2025 • 52min
Are You on Track? Our 2024 Financial Review
Discover the critical financial elements to review yearly, particularly net worth and withdrawal rates. The hosts dive into personal savings strategies and the importance of tailored approaches to achieve financial independence. Hear insights about international investments, managing expenses, and rebalancing portfolios. They stress the value of budgeting for travel and adapting spending habits. Finally, reflect on the evolving mindset from pre to post-financial independence and the optimism for future goals.

21 snips
Jan 19, 2025 • 47min
How Do I Know When I'm Ready to Retire?
Determining the right time to retire isn't just about finances; emotional readiness plays a crucial role. Personal experiences reveal the struggles faced when transitioning away from work. The impact of COVID-19 on retirement planning is explored, highlighting the need for a balanced approach. Listeners are encouraged to embrace new identities and purposes in retirement, emphasizing personal growth and community involvement. Ultimately, the journey includes setting boundaries and finding joy in newfound freedom.

Jan 7, 2025 • 37min
What No One Tells You About Purpose and Happiness in Retirement
In this conversation, Jordan "Doc G" Grumet shares his insights as a hospice physician and author on finding purpose in retirement. He distinguishes between 'big P' and 'little p' purposes, urging listeners to create personal fulfillment beyond societal expectations. The discussion highlights how reflecting on regrets can motivate meaningful activities and the joy of rediscovering passions overlooked during careers. Doc G emphasizes the essential role of relationships in achieving true happiness and navigating purpose anxiety in post-work life.

Dec 29, 2024 • 27min
BONUS: Retired Early and I Hated It - How NOT to FIRE, Part 2 (Post-FI/RE)
Imagine reaching financial independence only to find it unfulfilling. This discussion highlights personal stories of early retirees who struggled with feelings of depression and a lack of purpose. Without workplace motivation, some faced social isolation, while others found budgeting inadequate for their desired lifestyle. Emphasizing the need for mental preparation, the conversation encourages self-reflection and meaningful engagement in post-retirement life to avoid aimlessness. It’s a candid look at the unexpected realities of the FIRE journey.