Shows
Mindset with Brad BarrettIs A Financial Advisor Really Worth It?Welcome to Mindset! This is a show that is dedicated to honest, inspiring and thought-provoking conversations about money. Let’s face it—most of us have, at some point, looked at our bank account and thought, “Well, that can’t be right.” Managing money can feel like trying to solve a Rubik’s Cube blindfolded, while riding a unicycle... on fire. Enter the financial advisor: part money whisperer, part life coach, part magician (hopefully without the disappearing act). But with countless apps, YouTube gurus, and your cousin Dave who “knows a guy,” do you really need to pay someo...2025-04-2316 min
Mindset with Brad BarrettDo You Know What You’re Really Worth?Welcome to Mindset! This is a show that is dedicated to honest, inspiring and thought-provoking conversations about money. What is a human life truly worth? It’s a question that has echoed through history, from philosophical debates to courtroom arguments, insurance policies to ethical dilemmas. Too often, society tries to assign a dollar value to life. But is there something deeper beneath the market value of our body parts and potential earnings? On this episode, we’re exploring the true value of a human life, talking about what truly makes us valuab...2025-04-1620 min
Mindset with Brad BarrettHow To Build Wealth in Your TwentiesWelcome to Mindset! This is a show that is dedicated to honest, inspiring and thought-provoking conversations about money. So, you’re in your twenties—that magical time when you're expected to build a career, maintain a social life, drink enough water, and somehow understand the stock market, all while still Googling “what is a 401(k) and do I need one?” Well, fear not my financially confused friend. On this episode, we’re giving away free tips from the pros on how to start building wealth before your back starts hurting for no reason...2025-04-0925 min
Mindset with Brad BarrettDOGE: What Are They Doing And Should I Be Doing It Too?Welcome to Mindset! This is a show that is dedicated to honest, inspiring and thought-provoking conversations about money. In the vast wilderness of internet slang, "DOGE" has evolved from the playful face of a Shiba Inu grinning in Comic Sans to a powerful government agency with an ambitious quest to streamline federal operations. Is it a meme, a mission, or just a barking mad idea? On this episode, we’re diving deep into the world of government spending to find out what DOGE really is, what they are doing, and asking if t...2025-04-0216 min
Mindset with Brad BarrettLast-Minute Tax Tips To Avoid Deadline Day DramaWelcome to Mindset! This is a show that is dedicated to honest, inspiring and thought-provoking conversations about money. Ah, tax season—the time of year when we suddenly remember that we have absolutely no idea what we’re doing. If you’re reading this, chances are you’ve been expertly procrastinating, convincing yourself that “future you” would handle it. Well, guess what? Future you is now present you, and the tax deadline is breathing down your neck like an over-caffeinated IRS agent. But don’t panic! Before you start frantically Googling “Can I claim my cat...2025-03-2620 min
Mindset with Brad BarrettThe Four Best Investments You’ll Never Find on Wall StreetWelcome to Mindset! This is a show that is dedicated to honest, inspiring and thought-provoking conversations about money. Let’s be honest—if happiness could be bought, Jeff Bezos and Elon Musk would be doing cartwheels of joy down the halls of their private space stations. But here’s a secret: the best investments you can make in your life are free. Forget about stocks, real estate, or Bitcoin—today, we’re diving into the ultimate investment portfolio: the things money can’t buy that will bring you personal wealth. L...2025-03-1921 min
Mindset with Brad BarrettCan I Build Wealth Using Debt?Welcome to Mindset! This is a show that is dedicated to honest, inspiring and thought-provoking conversations about money. Debt has a bad reputation—kind of like that one friend who always insists on splitting the bill evenly even though they ordered the lobster, filet and three desserts. But what if I told you that, just like that friend, debt isn’t all bad? In fact, when used wisely, it can actually help you build wealth instead of draining your bank account. No, this isn’t some financial dark magic or a get-rich...2025-03-1225 min
Mindset with Brad BarrettHow to Build lasting WealthWelcome to Mindset! This is a show that is dedicated to honest, inspiring and thought-provoking conversations about money. So, you want to build wealth, but don’t have a rich uncle or the winning Powerball numbers? Don’t worry—you don’t need to invent the next iPhone or marry a millionaire (though, hey, no judgment if you do). Pay attention as walk through a road map to grow your money without selling a kidney or living on instant noodles for the rest of your life. Listen Now! 2025-03-0521 min
Mindset with Brad BarrettIs Your Emotional Mindset Sabotaging Your Investments?Welcome to Mindset! This is a show that is dedicated to honest, inspiring and thought-provoking conversations about money. Investing is a lot like dating—make decisions based on emotions, and you’ll probably end up broke and heartbroken. One minute, you're in love with a stock, looking to setting down forever; the next, you're panic-selling and running for the hills. If your portfolio has more mood swings than a reality TV star, you’re going to want to watch this week’s episode where we take a hard look in the mirror and...2025-02-2626 min
Mindset with Brad BarrettMLB Mega Contracts. Investing Lessons from Baseball’s Biggest Paydays!Welcome to Mindset! This is a show that is dedicated to honest, inspiring and thought-provoking conversations about money. The days are getting longer, the birds are starting to sing, flowers are blooming. That can only mean one thing…MLB spring training is here. Yes, another year of America’s favorite pastime and another year of big money mega contracts. The idea of signing a multi-million contract is laughable to most of us and completely unrelatable. But hidden in these jaw-dropping deals are some surprisingly practical money lessons. So, grab a hotdog and a cold one and...2025-02-1924 min
Mindset with Brad BarrettIt’s Your Money! Hold On To More Of It With This Need To Know Tax InfoWelcome to Mindset! This is a show that is dedicated to honest, inspiring and thought-provoking conversations about money. Each week, we’ll be airing a new episode, talking about all kinds of different topics that will help us unpack the truth around how we think, feel, and ultimately act with our finances. On this week’s episode: Investing is all fun and games until tax season rolls around and the IRS reminds you they’re your silentbusiness partner. Whether you made bank or just enough to buy a fancy coffee, Uncle Sam wants his cut—because...2025-02-1223 min
Mindset with Brad BarrettWhat You Need To Know About Trump’s Proposed TariffsWelcome to Mindset! This is a show that is dedicated to honest, inspiring and thought-provoking conversations about money. Each week, we’ll be airing a new episode, talking about all kinds of different topics that will help us unpack the truth around how we think, feel, and ultimately act with our finances. On this week's episode: During the 2024 election race, newly inaugurated President Trump made a lot of noise talking about all the tariffs that he wants to slap on the countries that aren’t the U.S. As the word “Tariffs” buzzed around media outlets...2025-01-2218 min
Mindset with Brad BarrettExpert Predictions for 2025It's our second episode of 2025, and if you're anything like us, you're starting the year with one simple goal: get rich or, at the very least, get slightly less broke. Will the markets soar like your optimism after one good week at the gym, or will they tank like your enthusiasm for salads by February? Only time will tell. So, grab your coffee, your spreadsheets, and maybe a stress ball, because today we’re diving into what 2025 might have in store. To schedule your complimentary retirement track review, head to https://onecapital.com. You...2025-01-1528 min
Mindset with Brad BarrettDo Presidential Elections affect the Stock Market?Welcome to Mindset! This is a show that is dedicated to honest, inspiring and thought-provoking conversations about money. Each week, we’ll be airing a new episode, talking about all kinds of different topics that will help us unpack the truth around how we think, feel, and ultimately act with our finances. It's our first episode of 2025, and if you’re anything like us, you’re still trying to recover from one of the craziest presidential elections of all time. There’s a lot of uncertainty swirling around the country, especially in the finance world. A lot people h...2025-01-0821 min
Pension AttentionIf You Lose A Loved One: Brad's ChecklistWhen we lose a loved one, making the grieving process less painful is challenging. There are many decisions to be made and it can be a daunting task. Today, Brad shares a helpful checklist that could help us all manage the grief we may go through when someone we care about, passes away. Listen now. Show Highlights Include: Rationalizing Grief. (2:48) The Emotional Checklist. (4:59) How Insurance Can Come Into Play. (7:40) Bill Related Financial Affairs. (9:18) Do Not Do These Things. (11:13) To schedule your free retirement tracking meeting, specifically for first responders, head to http...2023-08-2314 min
Pension AttentionMoney, Emotions and Love For LahainaAfter the recent and tragic events in Lahaina, Hawaii, Brad reflects on his time living on Maui and the rush of emotions that has flooded his family's mind. Today, Brad reminds all of us how money is not always rational and if we lose ourselves emotionally when it comes to our finances, it could be a detriment to our overall financial journey. Listen now. Show Highlights Include: Love For Lahaina. (2:15) When Was The Last Time You Thought About Money? (4:17) Fear and FOMO. (11:06) Did Someone Say Oreos? (14:17) Money Is Not Always Rational. (17:05) To sc...2023-08-1619 min
Pension AttentionThe History of U.S. DEBT: A TimelineWith continued media buzz around the U.S. debt ceiling, it has many people concerned but also short-sighted about how long the U.S. has actually been in debt... and if we as a country are in trouble when it comes to the debt we are holding. In today's show, Brad takes us through a historic timeline of the U.S. federal debt going back to our independence in 1776. The details are fascinating. Listen Now! Show Highlights Include: The Timeline Of U.S. Debt. (2:24) What Brad Is Concerned About. (6:25) Context Matters Around Th...2023-06-0811 min
Pension AttentionA Money Conversation With My 93 Year Old GrandfatherWithin the next couple of decades, the largest transfer of wealth will occur in generational history. What we can glean from those born between the 1920's and 1960's is immeasurable. In today's show, Brad shares his very vulnerable conversation he recently had with his 93 year old grandfather and what we can all learn about money from those who came before us. Listen now. Show Highlights Include: The Difference In Having Money At 18 Versus 93. (3:56) When Money Goes From A Stressor To A Comfort. (8:02) What Brad's Grandfather Would Say To A Young Person Today. (11.50) The L...2023-05-1724 min
Pension AttentionMarket Cycles Change Like The SeasonsWith Spring in the air, it is a good reminder that just like seasons change, so do market cycles. So, it is important not to get caught up in media rhetoric or social media hype when it comes to our investments and the market. In today's episode, Brad gives us a great analogy on seasons and investing and how we should be careful not to get lost in the current season of the market but be prepared for the next one. Listen Now! Show Highlights Include: Bear Markets vs Bull Markets. (1:54) Market C...2023-04-1911 min
Pension Attention"Real Talk" About INVESTINGInvesting has its ups and downs and for many, it is difficult to navigate the landscape. Understanding the investment "playbook" can be a challenge but it can be done with discipline. In today's episode, Brad "gets real" about investing by sharing some of his personal journey, plus things to understand about your past that could create a better future for yourself. Listen now. Show Highlights Include: When Investing Clicked For Brad. (2:04) Remember The Past, But Don't Forget Your Future. (5:02) The Hustle Versus The Muscle. (8:08) Winning The Lottery. (10:27) Wanting Results Without The Work. (14.42) To...2023-03-0718 min
Pension AttentionThe 2023 Housing Outlook and 10 Money Rules to Live ByFor the past two years, the housing market has been a roller coaster ride. We have seen interest rates drop and prices soar to levels not seen in years and subsequently, rise and fall in the same fashion. Which brings us to the beginning of 2023... So, what happens now? In today's episode, Brad gives us a housing outlook on the year, which may not be what you would expect. Plus, 10 money rules to live by to jumpstart your new year. Listen now. Show Highlights Include: Road Trips Are A Commodity (3:23) Summing Up A...2023-01-0522 min
Pension AttentionYear End Checklist 2023It has been quite a year... and for many people, there is still uncertainty when it comes to the economy and looking toward 2023. However, many of us can misinterpret what we read and hear as it pertains to economic data points. In today's episode, Brad breaks down those important data points and shares his 2023 planning tips, encouraging us all to not get captured by our own narrative. Listen now. Show Highlights Include: Accessing Information At Our Fingertips. (1:42) Recession Outlook, Recovery And Shinsplints. (3:35) Misinterpreting Media Data Points.(7:18) Do Not Get Captured By Your Own...2022-12-0620 min
Be Advised - Leading with Value28. The Growth of Business in the Virtual World with Brad BarrettAs an advisor, it is important to not be so narrowly focused with your marketing mix. It helps if you think bigger in terms of communicating and engaging with your clients. In this episode, Brad Swineheart speaks with Brad Barrett, managing director and partner at One Capital Management, an independent private wealth advisory firm. Brad … Continue reading 28. The Growth of Business in the Virtual World with Brad Barrett →2021-07-2132 min
ChooseFIStimulus Package Breakdown: The Cares ActSean Mulaney weighs in on the 2020 Stimulus Package via voicemail, and gives some pro tips for your filing process. Jonathan and Brad share some of their insight on the Cares Act as well.
https://www.choosefi.com/start2020-04-0232 min
ChooseFIIs The FIRE Movement Over?Jonathan and Brad Discuss the implications of the pandemic on the Financial Independence Movement. Jonathan and MK discuss Skill Stacking & Brad shares what his idea of the perfect education would look like2020-04-0130 min
ChooseFIImportant Tax UpdateContinuing the daily episode series, Jonathan and Brad talk about some tax info from Sean Mulaney.
https://www.choosefi.com/start2020-03-2518 min
ChooseFI169 | A Purple Life | Early Retiree Case StudyThe anonymous blogger behind, A Purple Life, joins Brad and Jonathan to share her journey to financial independence. With the helpfulness of anonymity, she shares exact numbers including her income, salary negotiations, expenses, and more. For more information, visit the show notes at https://ChooseFI.com/169 2020-03-0249 min
ChooseFI168 | Make TimeJohn Zeratsky, author of Make Time, joins Brad and Jonathan to share actionable tips to build a framework that cuts through your perpetual state of busyness. For more information, visit the show notes at https://ChooseFI.com/1682020-02-241h 16
ChooseFI163R | Roth IRA Conversion Ladder Case StudyAn updated case study of the Roth IRA conversion ladder and a challenge for the community are some of the topics that Brad and Jonathan tackle today. For more information, visit the show notes at https://www.choosefi.com/163R2020-01-2454 min
ChooseFI162R | There's Water In The CupHalf full? Half Empty? Ehh... There's some water in the cup. Medical bills are never fun, but at least you met your deductible... at the very end of the year. Brad and Jonathan discuss building credit from ground zero, and reflecting a bit on Gretchin Rubin's "The 4 tendencies". In addition, we share a segment with Larry Hagner from the Dad Edge Alliance discussing the importance of financial intimacy. This is your Friday Roundup! For more information, visit the show notes at https://choosefi.com/162R2020-01-171h 18
ChooseFI161R | ReigniteWelcome to the first Roundup of 2020! Brad and Jonathan share exciting announcements like: • Launch of Everyday Courage by Jillian Johnsrud • FI101 and the ChooseFI International Foundation • Updates To The Tax Code For more information, visit the show notes at https://choosefi.com/161R2020-01-101h 08
ChooseFI157R | The Compound Interest Of Self ImprovementAfter learning more about habits with James Clear this week, Brad and Jonathan discuss the compounding interest of self improvement and turning intention into action. What’s covered in today’s show: • Building Habits • Identity Statements • Find Your Tribe …and more. For more information, visit the show notes at https://choosefi.com/157R2019-12-1344 min
ChooseFI156R | Coming Back From A Gap YearA gap year might seem unthinkable for some but Noah and Becky share exactly how they navigated their gap year. Plus, Brad and Jonathan discuss emergency funds and your risk tolerance. For more information, visit the show notes at https://www.choosefi.com/156R2019-12-0659 min
ChooseFI154R | InceptionTim and Amy from Go With Less join Brad and Jonathan to discuss their unique travel strategy. Plus, tips on how to design your dream life. Some of the topics in today’s show: House Sitting With Tim And Amy Build Your Dream Life FI 101 and more For more information, visit the show notes at https://www.choosefi.com/154r2019-11-2257 min
ChooseFI151R | Fit Waist Fat WalletUsing David Hauser’s framework from last week of decision making through split testing, Brad and Jonathan look at their sleep, fitness, and diet. For more information, visit the show notes at https://choosefi.com/151R 2019-11-0156 min
ChooseFI151 | Unstoppable | Creating A Framework For Decision Making With David HauserAs a successful start-up founder, David Hauser felt mercilessly driven to create success through extreme measures. Today, he opens up to Brad and Jonathan about his drive to succeed and how he has applied an experimentation framework to his health and wellness. For more information, visit the show notes at https://choosefi.com/1512019-10-2859 min
ChooseFI149R | Whole Life InsuranceHow to break Old Navy and cockamamie life insurance schemes are just two of the topics Brad and Jonathan cover in today's episode. For more information, visit the show notes at https://ChooseFI.com/149r2019-10-1855 min
ChooseFI149 | On Trajectory With Tyson KoskaTyson Koska shares his On Trajectory tool and what led him to his own path of Financial Independence. Brad and Jonathan discuss how Tyson got started with FI and how On Trajectory tools cover net worth tracking and digital options. For more information, visit the show notes at https://choosefi.com/1492019-10-1445 min
ChooseFI144R | Guard Rails and Dumpster FiresA recap from Jonathan and Brad's visit to FinCon, FI Military, YNAB, and "what if my finances are like a dumpster fire?". For more information, visit the show notes at https://ChooseFI.com/144r2019-09-1354 min
ChooseFI142 | Real Estate Investing Strategies with Paula PantPaula Pant discusses real estate as a path to FI as Brad shares his biggest financial mistake of his life - a speculative property in North Carolina. For more information, visit the show notes at https://choosefi.com/1422019-08-2657 min
ChooseFI139R | Time is on Your SideLast week, Jonathan ended up at the DMV on a Friday afternoon with a crazy wait time. What should have been a quick trip turned into an ordeal worth avoiding. Today Jonathan and Brad discuss: How to Reclaim Your Time Side Hustling through the Secondary Market and how Sunny funded a Roth IRA for his child For more information, visit the show notes at https://ChooseFI.com/139R2019-08-0956 min
ChooseFI138R | My Daughter's MindsetBrad and Jonathan talk about Brad’s daughter's mindset, plus a review of Monday's episode with Anthony. For more information, visit the show notes at https://choosefi.com/138R2019-08-0244 min
ChooseFI137R | An Evening of Financial IndependenceBrad and Jonathan discuss the Richmond Screening Of Playing With FIRE, FI 101, and how to be a storyteller. For more information, visit the show notes at https://ChooseFI.com/137R2019-07-2653 min
ChooseFI136R | Silver Spoon or SkillsJonathan and Brad discuss a case study on funding a child's Roth IRA and listen to feedback from the community. For more information, visit the show notes at https://choosefi.com/136R2019-07-1948 min
ChooseFI134R | Quit Like a Millionaire | Kristy Shen and Bryce LeungKristy Shen and Bryce Leung talk about their new book, Quit Like a Millionaire. Plus, Brad and Jonathan give updates on solar panels and YNAB. For more information, visit the show notes at https://choosefi.com/134r2019-07-051h 04
ChooseFI131R | Building a Brick in Your WallA recap of our conversation with Mr. Money Mustache and Mr. 1500. Plus, Jonathan and Brad answer listener questions about compounding and drawdowns during retirement. For more information, visit the show notes at https://ChooseFI.com/131R 2019-06-1454 min
ChooseFI130R | Simplifying The Ultimate Buy And Hold Strategy With M1 FinanceBrad and Jonathan just returned from the world premiere of Playing with FIRE in San Diego. They discuss future showings (visit choosefi.com/tugg) and then get into the ultimate buy and hold portfolio strategy. For the entire show notes, go to https://choosefi.com/130R 2019-06-0747 min
ChooseFI127 | Scott Scherr | Health OptimizationBrad and Jonathan discuss health optimization strategies with Dr. Scott Sherr. This episode is packed full of useful information, however, do not make life altering medical decisions based on this show alone. Although we are talking to a real doctor, do not take this as medical advice. Consult with your own physician before making any major medical decisions. For more information, visit the show notes at https://ChooseFI.com/127 2019-05-131h 17
ChooseFI126R | What is an AnnuityBrad and Jonathan tackle a listener question about annuities and discuss some updates to the travel rewards landscape. For more information, visit the show notes at https://ChooseFI.com/126R 2019-05-101h 02
ChooseFI126 | Estate Planning Wills vs Trusts | Mark MossLast week, Brad and Jonathan talked to Chelsea Brennan about her Family Emergency Binder. In the same theme of planning for your family's future, today we talked to Mark Moss about estate planning. For more information, visit the show notes at https://choosefi.com/126 2019-05-0657 min
ChooseFI122R | Dividend Deep DiveBrad and Jonathan are joined by Brian Feroldi and Karsten from Early Retirement Now. With the goal of gaining a deeper understanding of dividend investing, Brad and Jonathan ask the hard questions. As the devil's advocate, they uncover more information about dividend stocks from passionate investors. If you are ready to learn more about dividend investing, then let's dive in. For more information, visit the show notes at https://ChooseFI.com/122R 2019-04-121h 04
ChooseFI111R | Make the Impossible Possible111R | Jillian from Montana Money Adventures gives advice for laying out roadmap in your life, right after and Brad and Jonathan review Monday’s episode and highlight activities from several local groups around the globe. Brad and Jonathan reflect on last week’s episode with Billy Banholzer. A video inspires Brad to learn swimming from his daughter. Your current behavior or mistake doesn’t have to define you for the rest of your life. One of the first steps to Billy’s success was setting goals. What are Brad’s suggestions for developing into a better writer? Bil...2019-01-2558 min
ChooseFI102R | The Triple Tax Savings of Health Savings Account102R | Brad and Jonathan explain the long-term tax benefits of using a Health Savings Account to pay for medical expenses, discuss the benefits of new index fund investing options, review Monday’s episode with Timika Downes. Brad and Jonathan are getting back to traditional health insurance, and excited about the Health Savings Account (HSA). Most companies offer health insurance options, typically including: Low monthly premium + high deductible High(er) monthly premium + low(er) deductible. The IRS defines a high deductible plan as anything higher than $1,350 for an individual, or $2,700 for a family. Employees with high deductible pla...2018-11-2350 min
ChooseFI101R | Side Hustle Coaching Series Part 4101R | Brad and Jonathan talk about their experiences with W2 jobs and building side hustles, Jose shares his own side hustle tip, and Alan and Tallis wrap up the 4-part Side Hustle Coaching Series. Brad and Jonathan are jumping into planned spontaneity. Do your actions align with your values? Brad recounts how the accounting firm he worked for right after college, one of the biggest in the U.S. at the time, folded and within 9 months no longer existed. W2 jobs aren’t all that risk-free after all. Having a side hustle is about diversification. Jonathan tal...2018-11-1651 min
ChooseFI100R | Know the Rules100R | Brad and Jonathan explain how simply knowing the rules can save you thousands on taxes and college financing, Brad talks through the IRA Conversion Ladder and Capital Gains Harvesting, and a few updates from the community. The financial independence movement is growing, and seeing a lot more press coverage. Messaging matters: The Wall Street Journal published one article with two different headlines. Pursuing financial independence isn’t about buying brown bananas, despite what some media would suggest. Brad reached financial independence with intentionality about his priorities in his life. Brad and Jonathan don’t aim to tell peop...2018-11-0943 min
ChooseFI100 | Welcome to the FI community100 | Brad and Jonathan look back at the ChooseFI’s growth during the past 100 episodes and hit the highlights of financial independence for new community members and recap their own financial independence journeys. Jonathan considers himself a reluctant frugalist, but the idea of not having to work won him over. Brad and his wife were natural savers, but chose to move from Long Island, NY, so that they could save more and work toward financial independence. If you want to take back your years and have the option to stop working before your 60s, you’re going to ha...2018-11-0549 min
ChooseFI094R | Transitioning to Entrepreneurship | A Case Study in Estimated Taxes094R | The logistics of estimating and paying taxes as an entrepreneur, Brad’s frugal win of the week, and emails from the ChooseFI community. Brad and Jonathan are at FinCon in Orlando, Fl. Brad describes his family’s frugal win of the week at Old Navy. Review of the tax implications of winning a non-cash prize. How do some entrepreneurs put themselves in a position to fail because of taxes? Case study: how to make estimated tax payments as a new entrepreneur. Brad wants to pay the least amount of money in taxes, but ensure that he definitely pays...2018-09-2853 min
ChooseFI093R | Other Mountains to Climb | With Joe Saul-Sehy from Stacking Benjamins093R | Brad, Jonathan and Joe Saul-Sehy, from Stacking Benjamins, talk about what is rewarding to your soul, give feedback to a ChooseFI community member who’s considering selling his business, and recap Harry, the Ride Share Guy’s strategies for become the center of a niche. Hurricane Florence’s path didn’t go near Brad and Jonathan, but there were tornadoes. FU money is better than FI money. Meet up in Florida during the week of FinCon 2018. How did Harry (from Monday’s episode) become the go-to guy for ride-share drivers? What strategies would help someone become the...2018-09-211h 09
ChooseFI090R | Longest Vacation Ever090R | Brad gets back from vacation, Jonathan talks about bringing vegetarianism into his diet, and voicemails from the community highlighting CLEP tests and a 401k win. Brad is back from a month-long vacation in the U.K. Is this Brad’s first experience with “slow travel”? Where will Brad’s family go next? If you can optimize small things, they add up. Brad joined a ChooseFI meet up in London, with Barney from The Escape Artist and Ken from The Humble Penny. Is there a more efficient way to be active than slaving away on the treadmill? Are your hea...2018-08-3151 min
ChooseFI086R | Pretirement | Roger Whitney086R | A live-recorded conversation with Roger Whitney, the Retirement Answer Man, from Podcast Movement, questions for a potential accountant, and takeaways from Monday’s live case study with Allison Goddard. Brad is departing for a month-long family vacation to the U.K. What is “global entry” and how/why did Brad get it before his trip? Jonathan had a chance to meet up with Allison., from Episode 86. If money was no longer an option, what would change for Brad and Jonathan? Brad and Jonathan are super impressed with Allison’s grit and tenacity, to change the trajector...2018-08-031h 05
ChooseFI082 | A Wife's Perspective | Laura Barrett and Dani MendonsaBrad and Jonathan’s wives, Laura and Dani (respectively), talk about their introduction to FI, combining finances, budgeting with children, and maintaining balance.
For more information visit https://ChooseFI.com/0822018-07-021h 11
ChooseFI080R | A Case for Survivor Compost and 2nd Generation FI.output080R | Conversation about teaching your children to save and invest, healthcare options, and an argument in favor of home gardening and composting. Brad contemplates applying for “Survivor”. Review of Monday’s episode with Khai from AlabaMalaysia. How does Jonathan use the idea of “anchoring” in his own life: setting big goals so that even if he misses, good things still happen? Brad and Jonathan talk about how they would set little, achievable goals, to reach a larger, long-term goal. Jonathan talks about answering the question “What do you do?”, with comments from the Facebook group. How does Brad have bank acco...2018-06-221h 06
ChooseFI075R | Mainstream Adoption075R | “Personal finance is becoming financial independence.” Financial independence doesn’t necessarily mean retiring early; it means allocating your resources in the way you see fit. This is just a taste of what we discuss in this recap from Monday's interview with Brian Feroldi from The Motley Fool. Jonathan talks about blowing his budget on breakfast at the cold bar in Wegman’s, while Brad thinks that grocery shopping at Wegman’s is the same cost as Walmart. Brad talks about meeting strangers who also in the FI community. Brad and Jonathan wonder if financial independence is on the...2018-05-1850 min
ChooseFI071R | The Real Value of Soft SkillsBrad and Jonathan compare their college experiences to Chris Hutchins’ from the Monday episode, they discuss the importance of owning your own FI decisions, and we get updates from several members of the ChooseFI community.
Brad considers starting a blog for his daughter as second-generation FI.
What would Jonathan do differently if he was going to redo college?
...and more at https://choosefi.com/071R2018-04-201h 03
ChooseFI070R | Left BehindUpdates from Brad and Jonathan, review of Vickie Robin’s episode, discussion of how ChooseFI aims to handle politics, and more updates from the ChooseFI community.
Highlights:
Brad is moving houses, making good community a priority in his family’s life
CampFi MidAtlantic is this weekend. Find more upcoming events at https://choosefi.com/CampFi
Jonathan started Skinny Waste, Fat Wallet. First episode is up on YouTube at https://choosefi.tv
...and more can be found at http://ChooseFI.com/072018-04-1357 min
ChooseFI063R | Create Your Own LuckHow to create your own luck, the glidepath to success and some life lessons from Brad.
Highlights from the show include:
What luck and opportunity really mean
Having high expectations from life
Brad’s definition of creating luck
Life lessons from Brad to his daughters
For more information, visit the show notes at http://ChooseFI.com/063R2018-02-2352 min
ChooseFI050 | Domestic GeoArbitrage | Freedom is Groovy050 | In this podcast we discuss domestic geographic arbitrage with Mr. Groovy from Freedom is Groovy. In Today’s Podcast we cover: A conversation with Mr. Groovy from Freedom is Groovy to discuss domestic geographic arbitrage How Brad made a similar decision to Mr. Groovy to move from Long Island to a lower cost of living area How Mr. Groovy was a “financial moron” until he was in his 40s until Mrs. Groovy found Dave Ramsey What did their financial lives look like before finding Dave Ramsey and the concept of an emergency fund How creating a budget and putting it on...2017-11-201h 06
ChooseFI048R | The Roadmap to FI048R | In this podcast we recap Episode 48 with Jeff from The Happy Philosopher plus a life hack update from Brad and a question on how to present the FI concept to others. In Today’s Podcast we cover: Recap of Episode 48 with Jeff from The Happy Philosopher Jonathan and Brad’s recap of the Fincon conference How Brad and Jonathan brainstormed the future of ChooseFI at Fincon How the FI community is growing significantly at Fincon and how people were coming up to us saying they were listening How much value we can get from FI-centric events going forward, such...2017-11-1048 min
ChooseFI047R |The Rule of 72047R | In today's podcast we recap Episode 47 with Bryce and Kristy from Millennial Revolution including talk of home ownership and world travel, but a reader case study and voicemail. In Today’s Podcast we cover: A recap of our main takeaways from Episode 47 with Kristy and Bryce from Millennial Revolution How Brad explained the concept of compound interest to his daughter Anna and it was a lightbulb moment How Brad’s daughter immediately took action and invested her money in Vanguard index funds Brad’s moment where he found the concept of compound interest as a 19 year old Calling for ti...2017-11-0342 min
ChooseFI046R | Selectively Hardcore046R | In today's podcast we discuss our takeaways from Episode 46 with Ms. ONL from Our Next Life plus community feedback and voicemails and a discussion of travel rewards. In Today’s Podcast we cover: A recap of Episode 46 with Tanja from Our Next Life Brad and Jonathan are on their way to Fincon – the annual financial bloggers conference Jonathan’s upcoming trip to South Africa with his family using travel rewards points Tanja’s reveal of her identity after being anonymous for the entirety of the blog’s life What do you want out of life and how are you going...2017-10-2749 min
ChooseFI045R | The Journal045R | In this podcast we discuss our takeaways from Episode 45 with JD Roth of Get Rich Slowly, including the big news that he just purchased GRS back, as well as our frugal wins of the week and the elegance of simplicity. In Today’s Podcast we cover: A review of Episode 45 with JD Roth from Get Rich Slowly and Money Boss Jonathan’s frugal win of the week on purchasing a new stove/oven What is the utility of Jonathan’s new oven over a standard oven? Jonathan’s insourcing to install the oven himself Brad’s frugal win of the wee...2017-10-2051 min
ChooseFI044R | The One Way Ticket044R | Today we discuss our takeaways from Episode 44 with Brandon Pearce from Pearce on Earth plus feedback from the community and our thoughts on international travel with our families. In Today’s Podcast we cover: A discussion of Episode 44 with Brandon Pearce from Pearce on Earth Jonathan’s frugal win of the week by having a potluck dinner and a movie in the backyard for his friends and neighbors Jonathan is on a 3-day fast and his explanation The importance of mentally anchoring when undertaking something difficult Jonathan wanted to prove to himself that he could do it and to h...2017-10-131h 06
ChooseFI043R | Mega Backdoor Roth | Should I Ever Consider Using the Roth?043R | In this podcast we discuss our takeaways from Episode 43 with Fritz from the Retirement Manifesto plus an in-depth discussion of the Roth IRA conversion and Mega Backdoor Roth, and taxable income scenarios for retirement contributions. In Today’s Podcast we cover: Our big takeaways from Episode 43 with Fritz from Retirement Manifesto Brad as a ‘Mystery Reader’ for his daughter’s class plus their trip to Natural Bridge State Park and a FI lesson for his daughters How to tackle drawdown strategies and how that opened our eyes The concept of balance that Fritz brought up in Episode 43 How we each h...2017-10-061h 08
ChooseFI040R | The Power of the Reset Button040R | In today's Friday Roundup we discuss our takeaways from Episode 40 with Noah and Becky from Money Metagame, plus voicemails from the ChooseFI community and our in-house expert Keith from the Wealthy Accountant. In Today’s Podcast we cover: Discussion of Episode 40 with Noah and Becky from Money Metagame about the Gap Year Jonathan took action and followed Geoff’s advice to start culling his closet and decluttering his life Jonathan is struggling with how to categorize and track his donations For tax purposes you definitely do want to track your noncash donations It’s always easier to track things...2017-09-151h 03
ChooseFI039R | Cruise Control039R | In today's podcast we discuss Episode 39 with Gwen from Fiery Millennials, plus a 'Cruise Control Path to FI' case study example and voicemails from our community members. In Today’s Podcast we cover: The Friday Roundup after Episode 39 with Gwen from Fiery Millennials A whole new FI world for Brad and Laura after their youngest daughter went to kindergarten They have the opportunity to live more of a FI lifestyle and have to now figure out what that looks like Second Generation FI and examples of Brad’s kids exhibiting their behaviors ChooseFI is an opportunity for Brad and...2017-09-0855 min
ChooseFI038R | Firewalker038R | In today's podcast we discuss Episode 38 The Why of FI plus we announce three of the finalists for the business building competition with Alan Donegan of PopUp Business School and a voicemail from community member Geoff. In Today’s Podcast we cover: Discussion of Episode 38 on the Why of FI Jonathan’s Frugal Win of the Week at Costco by saving on protein bars Jonathan’s nutrition goals and the underlying concepts of simplicity and removing decision fatigue How unusual it is that the FI community is outside the mainstream by saving money whereas the norm is spending every...2017-09-0159 min
ChooseFI037R | Slow Travel037R | Today we discuss Episode 37 with Scott Rieckens, the filmmaker behind the FI documentary Playing with FIRE, plus emails and voicemails from the community and a discussion of reaching FI in a high cost of living area. The great American Eclipse and our viewing Brad’s vacation and how they spent $0 on hotels for 16 nights The value of slow travel and why it makes vacation dramatically better. Vacation doesn’t have to be stressful How expectations management is so crucial to life and on vacation Time is such a crucial tool Scott’s slow travel with h...2017-08-251h 04
ChooseFI034R | What’s Your Risk Tolerance?034R | In today's podcast we discuss our thoughts on Part 2 of the Stock Series conversation with JL Collins, risk tolerance, doomsday scenarios and rebalancing. In Today’s Podcast we cover: The Friday Roundup and the episode Part 2 of our discussion with JL Collins from The Simple Path to Wealth and JLCollinsNH What do you do when there’s a large crash in the stock market? Big takeaway from Jim’s episode You can’t sell at the bottom, so you need to steel yourself mentally beforehand If you’re starting investing, one of the best t...2017-08-041h 11
ChooseFI033R |Highlighting the Hamster Wheel033R | In Today’s Podcast we cover: Unpacking Episode 33 with Dominick Quartuccio and our takeaways from the episode Intentionality allows you to purchase your freedom, and we want to expand that intentionality beyond just personal finance Our focus on living a happier, more content and optimized life The ultimate luxury is the ‘perpetual money making machine’ to provide time and focus on what matters in life How Dominick spent $28,000 this year on personal development. Have you spent any time or money on your own personal development? Spending on things that you value...2017-07-281h 14
ChooseFI033 | Design Your Future | Dominick Quartuccio033 | In today's podcast we speak with Dominick Quartuccio from DominickQ.com and the author of the book Design Your Life about disrupting your behaviors and 'creating a future you can't wait to live into.' In Today’s Podcast we cover: Our guest is Dominick Quartuccio the author of Design Your Future who is here to talk about ‘designing a future you can’t wait to live into’ This is a very personal episode for Brad, as Dom is a close friend and the person Brad goes to for advice and motivation FI is focused on freedom and that...2017-07-241h 18
ChooseFI032R | The Checkpoints of FI032R | In today's Friday Roundup we discuss Episode 32 with Joel from FI 180 on the 'Milestones of FI', plus a life hack voicemail from Noah and Frugal Wins of the Week from our Facebook community. In Today’s Podcast we cover: The Friday Roundup after the Milestones of FI episode with Joel from FI 180 We’re having a FI get together in Richmond and hope to expand beyond Richmond The gamification aspect of personal finance and the milestones When your ‘financial freedom clock’ starts and discussion of where certain types of debt plays into the calculation Financia...2017-07-211h 01
ChooseFI031R | FI Documentary?031R | In today's Friday Roundup we discuss travel rewards, flipping holidays upside down, buying presents, the upcoming FI Documentary and much more. Submit your applications for the contest to win a one-on-one business coaching relationship with Alan Donegan from PopUp Business School Brad’s slow travel vacation through New York State this August How we’ll publish episodes while on vacation and living a FI lifestyle Discussion of Episode 31 on travel rewards What to do with your strategy after Chase cards Clarification of Brad’s past and future travel rewards strategy Noah’s feedback...2017-07-1459 min
ChooseFI030R | The Side Hustle “Unpacked”030R | In today's podcast we have the biggest announcement in the history of ChooseFI thanks to Alan from PopUp Business School, so be sure to listen and get your responses in ASAP. Brad’s thoughts on not doing what everyone else is doing: July 4th, Valentine’s Day, Mother’s Day, etc. Jonathan’s wife loved the episode with Alan and she is going to use these skills on a side hustle herself You don’t need a lot of money to start a business – the big takeaway from the episode for Brad Bart...2017-07-0747 min
ChooseFI030 | The Side Hustle | The Unspoken Lever of FI030 | In Today’s Podcast we cover: How Alan Donegan of PopUp Business School has turned starting businesses on its head similar to how FI has turned personal finance on its head and caused us to think differently How starting a business is truly one of the ‘pillars of Financial Independence’ Brad and Jonathan started up their own business with ChooseFI based on similar principles to what Alan is teaching You need to know what you’re running to in FI and not just what you’re running from with your old job Alan’s FI journey and his goal to...2017-07-031h 08
ChooseFI029R | Valuist029R | In today's Friday Roundup we discuss our key takeaways from Episode 29: The Reluctant Frugalist vs. the Aspiring Minimalist, plus feedback from the audience as well as two of our in-house experts. How Jonathan used travel rewards points to book two round-trip flights to South Africa to visit his wife’s family. Only 128,000 points! How to think through a travel rewards redemption and where to start The essential nature of the psychology when considering financial independence How to approach your spouse/significant other about FI and what to avoid – namely the word “retirement” What is...2017-06-301h 06
ChooseFI029 | The Aspiring Minimalist vs the Reluctant Frugalist029 | In today's podcast we go through a discussion of the mindset differences between a 'reluctant frugalist' like Jonathan and an aspiring minimalist like Brad. In Today’s Podcast we cover: The reluctant frugalist (Jonathan) vs. the mindset of the aspiring minimalist (Brad) How both these mindsets are valid and strong approaches to the concept of Financial Independence How do you talk to your spouse or significant other about financial independence? Voicemail from Royce about how he can get his wife on board with FI? You need to have a conversation with your significant other about what you wa...2017-06-2652 min
ChooseFI028R | Lending money to Family028R | In today's Friday Roundup we discuss tax-deferred accounts, the Roth IRA conversion ladder, frugal wins of the week, an 'expert answer' from the Millionaire Educator as well as the Hot Seat with community member Chad! In Today’s Podcast we cover: The Friday Roundup after Episode 28 where we discussed the order of operations for savings as well as the available ‘buckets’ Brad’s discussion of his new health targets: CrossFit and Gracie Jiu-Jitsu and how he saves money through a Gracie Garage Our preference is to fill your tax-deferred buckets as much as possi...2017-06-231h 09
ChooseFI026R | Case Study | Part 5 | Final026R | In today's podcast we discuss our takeaways from Episode 26 with Physician on FIRE plus some exciting developments in the Financial Independence world as well as feedback, questions and comments from the ChooseFI community. In Today’s Podcast we cover: The Friday Roundup after the Physician on FIRE interview from Episode 26 Information for the high income professionals and how it’s important to give details for that aspect of our audience Does the perfect answer exist for high income professionals pursuing FI? It might not be possible to defer enough money to get them out of that high marginal tax...2017-06-091h 00
ChooseFI025R | Case Study | Part 4025R | In today's Friday Roundup we discuss Episode 25 with Keith from the Wealthy Accountant, Part 4 of the case study with Paul including a look at his line-by-line expenses, plus questions and feedback from the audience. In Today’s Podcast we cover: Friday Roundup after Episode 25 with Keith from The Wealthy Accountant The firehose of information that Keith unleashed was incredible! Feedback from the audience about Keith’s episode The value of an S-corp election for small businesses How to find a top tier accountant with passion for helping you When should you form an LLC when starting a side busi...2017-06-021h 09
ChooseFI022 | The True Cost of Car Ownership022 | Do you know what your car is actually costing you each year? What about over an investing lifetime? In this episode of the ChooseFI Radio Podcast we cover the True Cost of Car Ownership and you'll be absolutely amazed at the numbers. In Today’s Podcast we cover: ChooseFI: The Ultimate Guide to the True Cost of Car Ownership Your car payment is a terrible way to spend your hard earned money We’ll present two different perspectives: Brad will show the long-term compounded cost of buying/leasing new cars continually versus holding a car for...2017-05-0841 min
ChooseFI020R | Introducing Our First CrowdSourced FI Plan & Case Study | Part 1020R | In today's Friday Roundup we introduce our first crowd sourced case study from a listener and we have a challenge to you: Implement one life hack this week that will make your life easier and less stressful and send it to us at feedback@choosefi.com (or leave a voicemail on our homepage!) and we'll read it on next week's Friday roundup. In Today’s Podcast we cover: Our first Friday roundup after a non-guest episode which leaves lots of time for audience input, questions and voicemails We want the podcast to be ‘By FIRE for FIRE’ and make it...2017-04-2850 min
ChooseFI020 | Entry Level Middle Class Lifestyle | Intro to Insurance020 | The Entry Level Middle Class Lifestyle is a tool that you can use to supercharge your path to FI. Jonathan and Brad go through their expenses one line item at a time. Then they start the conversation about a FI approach to insurance, with an emphasis on life insurance In Today’s Podcast we cover: What Jonathan and Brad’s lifestyle and budget look like. We go in-depth into our actual spending and budget line items What have we talked about previously? How to crush your food budget, how to get fit while being frugal, basics of inve...2017-04-2458 min
ChooseFI019R | Index Investing | How to buy VTSAX019R | In our Friday roundup Jonathan and Brad discuss the highlights and takeaways from the Monday episode with JL Collins. Then the podcast is opened up and crowd sourced to the community. Find out the specific travel reward perks that are available for active duty military and how to get started with VTSAX if you don't have $10,000 to invest The Friday Roundup #8: Review of podcast with Jim Collins Jonathan’s baby was born! And he’s here recording the Friday Roundup two days later 2nd Generation FIRE and the impact on Jonathan with his new son The value of star...2017-04-2152 min
ChooseFI018R | Capital Gains Harvesting | Never Pay Taxes Again | Part 2018R | In Today’s Podcast we cover how to harvest long term capital gains tax free. Friday Roundup 7 Review of Monday’s episode with Jeremy from Go Curry Cracker Brad and his family just visited Washington DC for the weekend and used Chase Ultimate Rewards points to stay at the Hyatt Place National Mall Brad’s trip to Walt Disney World with his family, parents and in-laws Jonathan now understands harvesting capital gains and losses after the episode with Jeremy Unconventional choices: Jeremy and Winnie haggling at the farmer’s market near the close of business. Brad going to Disney W...2017-04-141h 07
ChooseFI017R | The Roth IRA Conversion Ladder | A Case Study017R | In Today’s Podcast we cover: Friday Roundup # 6 This is our 23rd episode and providing a home for the FIRE community Thank you for our 50th review on Itunes (from Chad Carson!) – we plan to implement the voicemail feature on the website so we can use your input on the show Episode with Brandon from the Mad Fientist This podcast humanized Brandon and you got to hear his story “Early retirees are such a different breed…I’m looking at this through the very focused lens of early retirement.” The built-in benefits of financial independence aside from just the dollars...2017-04-071h 02
ChooseFI016R | Friends of the Library016R | In Today’s Podcast we cover: Friday Roundup #5 Recap of house hacking episode with Chad Carson from CoachCarson.com Real estate investing is one of the pillars of Financial Independence ‘Keep it super simple and try to do the fundamentals well’ quote by Chad Chad put in the extra effort to walk neighborhoods on Saturday mornings to learn about real estate House hacking is essential knowledge for someone getting started with FI The main levers to pull to get on the path to financial independence Housing is the biggest line item in most budgets and this can be a game...2017-03-311h 17
ChooseFI015R |The 'Joneses' Are BankruptKeeping up with the Joneses' will cost you 1. Allocation when Investing in a Bubble? Kyith points out that allocation matters as the Early Retiree approaches their FI date 2.Paul wants to know where he should put his emergency fund 3. Should Brad Pay off His Mortgage? Kevin challenges Brad & Jonathan on whether they should pay off their mortgage using the Dave Ramsey litmus test 4. Matt would like to see ChooseFI tackle Effective Altruism 7. Sharing Resources Links Mentioned in Show https://www.choosefi.com/start https://www.choosefi.com...2017-03-241h 04
ChooseFI007 | America’s Food Obsession | How to Crush Your Grocery Bill007 | In Today’s Podcast we cover: America’s food obsession: We’re fat and broke How Brad’s family saves money on food Being smart with ingredients. How often does Brad’s family go out to eat? Go out for lunch instead of dinner Emergency meals in extra freezer Being efficient shopping at one store. Cut down on business Plan out the 2-3 meals you want to cook for the week Index of Top 50 recipes (A++ recipes) to cook Getting five nights of dinner out of cooking two meals Jonathan’s plan: cook for multiple nights and d...2017-01-2348 min
ChooseFI002 | Why Failure Matters | Brad BackstoryBrad shares how he iterated out of failure to a online business success and how you can too! The skills learned, even from ‘failures’: ability to create websites, The value of personal relationships, even in an online world. The value of being a “real” person and how people relate to that Aligning your incentives with your audience to create a successful site and a win-win Turning an online website into a “real” business Resources mentioned in show https://www.choosefi.com/blog https://www.choosefi.com/disney https://www...2016-12-2032 min
ChooseFI001 | Get Started on Your Path to Financial IndependenceWhat if you could get to the point where working is optional not just in your golden years but in your best years and have fun doing it. Welcome to the Financial Independence Community In the Original First Episode of the ChooseFI Podcast Brad and Jonathan share their objectives for the show and what they want you to get out of it. Welcome to the Show! Jonathan & Brad are not gurus. They are 2 average guys who are figuring out the rules of Financial Independence and sharing what they find with millions of other...2016-12-1823 min