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083R | The Hobby Checkbox

A checklist to optimize your hobbies, a highlight on the San Diego local group, and messages from the ChooseFI community: All of this while we recap Monday's episode with Cody Berman. For more information, visit the show notes at


083 | A Second Generation FI Case Study | Cody Berman

22-year-old recent college graduate and second generation FI, Cody Berman, talks about embracing frugality, saving and investing in his youth, optimizing a path through college, and getting his Disc Golf business off the ground. ——————- Thank you for being a part of the ChooseFI community! 🙂 If you want to support us, here are some easy ways: 1) Leave an iTunes review: 2) Use our page to sign up for travel credit cards Note: We may receive a...


082R | The Paradox of Choice

Discussion of Brad and Jonathan’s purchasing habits, messages from the ChooseFI community, benefits and drawbacks of roboadviors, and a summary of capital gains harvesting. Jonathan gives a review of some travel hacks on a recent trip to Chattanooga, TN.Capital One Venture Cardallows users to redeem miles for nearly any travel cost.PSA: bring a copy of your child’s birth certificate if you’re traveling.Review of Monday’s episode with Dani and Laura, Jonathan and Brad’s wife.Jonathan is...


082 | A Wive's Perspective | Laura Barrett and Dani Mendonsa

Brad and Jonathan’s wives, Laura and Dani (respectively), talk about their introduction to FI, combining finances, budgeting with children, and maintaining balance. How did Dani and Laura approach saving before meeting Jonathan?How did Laura’s parents change careers to improve their financial status?How was growing up in Zimbabwe different from a typical American upbringing?What did saving money mean to Dani when she started working?How did Dani respond to Jonathan’s initial proposal to...


081R | The Fear of Letting Go

Strategies for decluttering and living with less (reflecting on Cait Flander's interview with us on Monday), life hacks from the community, and a winner for the free ticket to CampFI in Joshua Tree! The ChooseFI community is growing and gaining national attention. How This Couple Saved $1 Million in 11 Years and Became Financially Independent Before 40 Nine Money Podcasts You Should Be Listening ToLocal Groups are really effective in some parts of the ChooseFI community.Jonathan joined...


081 | The Year of Less | Cait Flanders

Cait Flanders, author of “The Year of Less”, talks about building $30k of consumer debt, challenging herself to go two years without shopping, and learning how to be comfortable in her own skin without the distractions of consumerism. For more information, visit the show notes at


080R | A Case for Survivor Compost and 2nd Generation FI.output

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...


080 | FI is an Amazing Race | AlabaMayasia

Khai Shing, a former contestant on The Amazing Race, and blogger at ALABA+MA+LAYSIA, talks about balancing her pursuit of FI while finding ways to travel, worldwide, at discount prices. Did Khai start with global travel, or with The Amazing Race?Took about 3 months from applying to The Amazing Race with her twin brother, to being selected for the show - traveling all over China.Khai grew up in Malaysia, and plans to return there for retirement, once she achieves FI.How did Khai and her...


079R | Personal Brand

Highlights of Monday’s episode with Tim & Amy Rutherford, discussion about healthcare, additional podcast recommendations, and voicemails from the ChooseFI community. For more information, visit the show notes at


079 | Embracing Retirement | Amy and Tim Rutherford

Tim & Amy Rutherford talk about early retirement, living with lower expenses and a busier schedule of fun, free activities, and what life changes they made to get there. How did Amy and Tim meet and what were their spending habits at the time?What did “frugal” look like for Amy and Tim initially?With enough money in the bank, cutting their spending gave them an opportunity to retire almost as soon as they became aware of financial independence.Managing spending is equally as important as...


078R | College Hacking Toolbox

Lots going on in this episode with a recap of Episode 78 with Travis Hornsby about Student Loan Debt Repayment Options. But also, Brad sold his house and Jonathan has become a “rockstar” at selling things on Craigslist. For more information, visit the show notes at


078 | Student Loan Debt Repayment | Travis Hornsby

Travis Hornsby, founder of, talks early retirement, traveling Europe, and developing a passion for helping people crawl out of student loan debt. What you'll hear on today's show: Why did Travis attempt retirement at 25?If you’re unhappy before reaching FI, will you be happy afterward?Where did Travis’ frugal tendencies come from?How did Travis get paid to go to college?Do many universities offer full scholarships, and where should students find that...


77R | Side Hustle Coaching Series Part 2 | Alan & Tallis

An second part to the conversation between ChooseFi community member Tallis, who teaches dance classes in retirement facilities, and Pop-Up Business School founder Alan Donegan, to help get Tallis’ side hustle off the ground. Precursors to this episode:Episode 30andEpisode 56.Tallis gives an update on her side hustle to-do list.Client feedback: the questions you ask impact the results you’ll get.What is the best way to sell Tallis’ dance classes to the retirement facilities.Tallis...


077 | Advanced Travel Rewards From 3rd Generation FI | Marla Taner

Experienced travel hacker and world traveler Marla Taner shares story of reaching financial independence, and her best tips for getting to Hawaii, Costa Rica and the Caribbean with minimal expenses, using credit cards points and air miles. ——————- Thank you for being a part of the ChooseFI community! 🙂 If you want to support us, here are some easy ways: 1) Leave an iTunes review: 2) Use our page to sign up for travel credit cards Note: We may...


076R | Race or Journey?

Brad and Jonathan brainstorm ways to implement local adventure into their own lives and the lives of the ChooseFI community. Also, achat about high school reunions, local libraries, and a few clarifications about 401k contributions. Jonathan's 26-year-old sister just hit an 85% savings rate.Living at home can be super helpful to the recent college graduate, or young person entering the workforce.Getting to $100k net worth is the hardest part: after that, compounded interest starts working...


076 | Planned Spontaneity | Mrs Adventure Rich

Mrs. Adventure Rich talks about making the choice to live an adventurous life, her family’s pursuit of financial independence, and finding a balance between maximizing financial opportunities and living a happy, fulfilling, high quality of life. ——————- Thank you for being a part of the ChooseFI community! 🙂 If you want to support us, here are some easy ways: 1) Leave an iTunes review: 2) Use our page to sign up for travel credit cards Note: We...


075R | Mainstream Adoption

“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...


075 | The Unfair Advantage of the Individual Investor | Brian Feroldi

Brian Feroldi talks through the advantages and disadvantages of individual investing, the realistic expectations for performance, and his strategies for beating Wall Street. ...and more at ——————- Thank you for being a part of the ChooseFI community! 🙂 If you want to support us, here are some easy ways: 1) Leave an iTunes review: 2) Use our page to sign up for travel credit cards Note: We may receive a commission if...


074R | ChooseFI Scholarship

An update the community on recent activities, discussion about the opportunity cost of college and potential alternatives, a ChooseFI scholarship announcement, and a few voicemails from the ChooseFI community. ...and more can be found at ——————- Thank you for being a part of the ChooseFI community! 🙂 If you want to support us, here are some easy ways: 1) Leave an iTunes review: 2) Use our page to sign up for travel credit...


074 | Ryan Carson | Learn to Code | Treehouse

Ryan Carson’s tech-education company, Treehouse, teaches computer coding as a trade skill, giving students an opportunity to enter the work force, or change careers in nine months, at a fraction of the cost of a four-year degree. Ryan considers coding a trade skill, rather than profession that requires a four-year degree.Ryan founded Treehouse to help people avoid student debt, get a job sooner and start saving for their 401k sooner.There will be 1.4 million new jobs in tech, and only...