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On the show
From 17 epsHosts
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Recent episodes
Why we didn't save for our kids college. | 9 to FI 048
Jun 22, 2026
Unknown duration
Net Worth vs Investable Assets - There's a BIG DIFFERENCE! | 9 to FI 047
Jun 15, 2026
Unknown duration
WHY Pursue FI?: Our Personal Journeys | 9 to FI 046
Jun 8, 2026
40m 40s
Asset Allocation vs. Asset Location: Yes, There’s a Difference
Jun 1, 2026
39m 40s
Is Early Retirement still achievable for a 25 year old starting now? | 9 to FI 044
May 26, 2026
30m 51s
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| Date | Episode | Topics | Guests | Brands | Places | Keywords | Sponsor | Length | |
|---|---|---|---|---|---|---|---|---|---|
| 6/22/26 | Why we didn't save for our kids college. | 9 to FI 048 | College Planning, 529 Tradeoffs, and Flexible Ways to Support KidsElliot and Josh chat about summer heat, an upcoming Colorado trip for Camp FI, and how long emails get ignored, then segue into college expenses and planning. Elliot references an Inside Out Money episode contrasting underfunding vs. heavy 529 saving (including a $600,000 example) and discusses 529 flexibility alongside concerns about over-saving and restrictions. Josh explains why his family avoided 529s, noting his children took varied paths (one degree, two partial, one no college), and describes focusing on controllable cost reducers like Missouri’s A+ scholarship (two years community college tuition) and earning credits in high school, plus covering books/fees and encouraging tuition reimbursement jobs. They debate ROI of expensive schools, the value of the “college experience,” alternative careers, and ideas for gifting money with guardrails or paying loans later to create “skin in the game,” acknowledging uncertainty about timing and kids’ choices.00:00 Summer Heat Banter00:54 Camp FI and Manitou Incline01:52 TLDR and Email Overload03:29 College Planning Kickoff04:19 529 Plans and Flexibility10:02 Scholarships and Community College12:56 Debt, ROI, and College Value21:35 Rethinking the Traditional Path28:14 Kids Finding Their Own Way37:53 Gifting Money and Skin in Game45:26 Wrapping Up and Next TimeDo you have feedback or suggestions? We want to hear from you!Contact Elliot: Elliot@ninetofipod.comContact Josh: Josh@ninetofipod.comJosh’s other podcast: Stuck In BetaJosh’s YouTube channel: How To Fix It WorkshopAny of these products help the show. Thanks for your support!Buy Us a Coffee - One time donation or monthly, it’s up to youWe both use Mint Mobile and save a ton on our phone plan: Empower is Josh’s choice for Net Worth and BudgetingWanna create a podcast? We use DescriptLooking for a new credit card? We’re big fans of ChaseWant to save money on gas, groceries and dining out? Try Upside!Books mentioned in this episode:Come find us and subscribe on YouTube: http://www.youtube.com/@9toFI | — | ||||||
| 6/15/26 | Net Worth vs Investable Assets - There's a BIG DIFFERENCE! | 9 to FI 047 | Net Worth vs. Investable (Liquid) Assets: What Really Funds Financial IndependenceJosh and Elliot discuss the difference between net worth and investable assets (liquid net worth) and why confusing them can mislead financial independence planning. Net worth is assets minus liabilities and can include a primary residence, cars, and real estate equity, but those assets may not be easily tapped to fund living expenses without selling. Investable assets—such as a 401(k), Roth IRA, and brokerage accounts—are the liquid holdings typically used for withdrawal-rate calculations like the “$1M for $40k at 4%” baseline. They explore how real estate adds complexity because equity doesn’t translate predictably into cash flow due to rents, appreciation, vacancies, repairs, and capital expenditures, and they emphasize the importance of decumulation mechanics, withdrawal strategy, and understanding where retirement income will actually come from.00:00 Net Worth Basics02:03 Defining Investable Assets03:06 Liquid Net Worth Explained05:36 The Million Dollar Myth06:52 Real Estate Equity Limits09:10 Returns and Leverage Tradeoffs11:28 Real Estate Cash Flow Reality15:29 Baseline FI and Projections21:51 Decumulation and Drawdown Plan26:46 Wrap Up and Take ActionDo you have feedback or suggestions? We want to hear from you!Contact Elliot: Elliot@ninetofipod.comContact Josh: Josh@ninetofipod.comJosh’s other podcast: Stuck In BetaJosh’s YouTube channel: How To Fix It WorkshopAny of these products help the show. Thanks for your support!Mint Mobile - We both use Mint Mobile and save a ton on our phone plan: https://my.mintmobile.com/refer/aEWp5rLEmpower is Josh’s choice for Net Worth and BudgetingWanna create a podcast? We use DescriptLooking for a new credit card? We’re big fans of ChaseBuy Us a Coffee - One time donation or monthly, it’s up to youWant to save money on gas? Try Upside!Books mentioned in this episode:Come find us and subscribe on YouTube: http://www.youtube.com/@9toFI | — | ||||||
| 6/8/26 | WHY Pursue FI?: Our Personal Journeys | 9 to FI 046✨ | financial independencepersonal journeys+4 | — | — | — | financial independencemoney trauma+4 | — | 40m 40s | |
| 6/1/26 | Asset Allocation vs. Asset Location: Yes, There’s a Difference✨ | asset allocationasset location+4 | — | RothHSA+9 | — | asset allocationasset location+7 | — | 39m 40s | |
| 5/26/26 | Is Early Retirement still achievable for a 25 year old starting now? | 9 to FI 044✨ | Financial IndependenceEarly Retirement+3 | — | — | — | early retirementfinancial independence+3 | — | 30m 51s | |
| 5/18/26 | FI 201 - Moving to Crypto and Gambling | 9 to FI 043✨ | financial independenceinvesting+5 | — | Choose FITax Planning To and Through Early Retirement | — | financial independenceinvesting+5 | — | 29m 12s | |
| 5/11/26 | Should I Take An EARLY WITHDRAW From My 401k to Fund Discretionary Spending? | 9 to FI 042✨ | 401(k) withdrawalmiddle class trap+4 | — | 401(k)HELOC+2 | — | 401(k)early withdrawal+5 | — | 1h 07m 00s | |
| 5/4/26 | Continue MORNING ROUTINES in Early Retirement? | 9toFI 041✨ | morning routinesearly retirement+4 | — | Inside Out Money | — | morning routinesearly retirement+5 | Mint Mobile | 40m 01s | |
| 4/27/26 | Saying "NO" is hard | 9toFI 040✨ | saying noboundaries+4 | — | — | — | saying noboundaries+6 | — | 41m 34s | |
| 4/20/26 | Retired at 48, lessons learned in the first year | 9toFI 039✨ | retirementfinancial independence+4 | — | — | — | retirementfinancial independence+5 | Mint Mobile | 54m 10s | |
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| 4/13/26 | Health Updates, Market Dip Investing, and Elliot's move Decision | 9toFI 038✨ | Health UpdatesMarket Dip Investing+4 | — | VTIRoth+2 | — | health updatesmarket dip investing+5 | — | 46m 37s | |
| 4/6/26 | April Fools? | 9 to FI 037 | 9 to FI Podcast✨ | relocationexpat life+5 | Lori | — | FranceEymet+4 | FranceEymet+5 | — | 40m 52s | |
| 3/30/26 | Why did we pay off a low interest mortgage early? | 9 to FI 036 | 9 to FI Podcast✨ | mortgage payofffinancial independence+4 | Lori | — | Columbia, Missouri | mortgageretirement+5 | — | 23m 10s | |
| 3/23/26 | Any regrets from your FIRE journey? | 9 to FI 035 | 9 to FI Podcast✨ | financial independencehealth insurance+4 | — | ChooseFIACA | — | FIREhealthcare costs+5 | — | 40m 24s | |
| 3/16/26 | The Probability of Possibility | 9 to FI 034 | 9 to FI Podcast✨ | FIRE Spending4% Rule+5 | — | — | Las VegasFrance | FIRE4% Rule+5 | — | 47m 25s | |
| 3/9/26 | January Expenses and Leaving Facebook | 9 to FI ep 033✨ | expense auditfinancial independence+3 | — | AmazonAmazon Prime | — | expense auditfinancial independence+5 | — | 37m 42s | |
| 3/2/26 | French FI - Guess Who's Moving to France | 9 to FI ep 32✨ | early retirementreal estate+3 | — | IRS | FranceItaly | early retirementreal estate professional+3 | — | 49m 59s | |
| 2/27/26 | Au revoir, America? - Bonus Episode - 9 to FI✨ | financial independencegeoarbitrage+4 | — | — | AmericaEurope+2 | financial independencegeoarbitrage+6 | — | 14m 29s | |
| 2/23/26 | The Great Transition - From FTE to RE | 9 to FI 031 | 9 to FI Podcast✨ | early retirementfull-time employment+3 | — | ninetofipod.com | — | early retirementcareer transition+3 | — | 56m 29s | |
| 2/16/26 | Craft Your Legacy - Reverse Obituary | 9 to FI 030 | 9 to FI Podcast | Navigating Life's Inevitable: Reverse Obituaries, Financial Planning, and Living FullyIn this episode, Josh and Elliot discuss the impact of Snow Apocalypse 2026 and delve into the concept of a 'reverse obituary,' inspired by Warren Buffet's idea of planning life with the end in mind. They highlight the importance of financial preparedness and estate planning, emphasizing actions like creating wills, trusts, and TODs. Personal anecdotes about preparing for the inevitable and ensuring smooth transitions for loved ones are shared. Additionally, they touch on balancing life and work within the FIRE community, advocating for thoughtful life planning and making the most of the present.00:00 Introduction and Snow Apocalypse 202600:50 The Concept of a Reverse Obituary01:50 Personal Stories and Financial Preparedness05:45 Balancing Life and Work10:55 Reflecting on Life Goals22:15 Practical Steps for Financial Planning26:27 Conclusion and Final ThoughtsDo you have feedback or suggestions? We want to hear from you!Contact Elliot: Elliot@ninetofipod.comContact Josh: Josh@ninetofipod.comAny of these products help the show. Thanks for your support!Mint Mobile - We both use Mint Mobile and save a ton on our phone plan: https://fbuy.me/vgAmzEmpower is Josh’s choice for Net Worth and BudgetingWanna create a podcast? We use DescriptLooking for a new credit card? We’re big fans of ChaseBuy Us a Coffee - One time donation or monthly, it’s up to youWant to save money on gas? Try Upside!Books mentioned in this episode: The Art Of Spending Money: https://amzn.to/45SnKOp Come find us and subscribe on YouTube: http://www.youtube.com/@9toFI | — | ||||||
| 2/9/26 | Missing Work and Improving Health | 9 to FI 029 | 9 to FI Podcast | Navigating Early Retirement: Reflections and PlansIn this episode of 'Nine to FI,' hosts Josh and Elliot discuss the ups and downs of early retirement. Josh shares his experiences since retiring at 48, including the surprising challenges of maintaining a routine and staying healthy. The duo also reflects on 'Blue Monday' and its impact on mental health. They talk about their plans for the future, including potential travel to France and Glacier National Park. The conversation covers the perks and drawbacks of leaving the corporate world, with a focus on social connections and the sense of stability provided by a steady paycheck. Both hosts reveal their personal goals and struggles, aiming to inspire listeners who are considering early retirement.00:00 Introduction to Nine to FI Podcast00:39 Discussing Blue Monday and Personal Updates01:49 Planning Summer Adventures06:23 Reflecting on Full-Time Employment17:10 Maintaining Relationships Post-Retirement29:13 Health and Fitness Goals41:57 Conclusion and Listener EngagementDo you have feedback or suggestions? We want to hear from you!Contact Elliot: Elliot@ninetofipod.comContact Josh: Josh@ninetofipod.comAny of these products help the show. Thanks for your support!Mint Mobile - We both use Mint Mobile and save a ton on our phone plan: https://fbuy.me/vgAmzEmpower is Josh’s choice for Net Worth and BudgetingWanna create a podcast? We use DescriptLooking for a new credit card? We’re big fans of ChaseBuy Us a Coffee - One time donation or monthly, it’s up to youWant to save money on gas? Try Upside!Books mentioned in this episode:Come find us and subscribe on YouTube: http://www.youtube.com/@9toFI | — | ||||||
| 2/2/26 | Setting Up and Helping Out Kids | 9 to FI 028 | 9 to FI Podcast | Balancing Financial Support: Navigating Family Investments in Children's FuturesIn this episode, hosts Josh and Elliot discuss varying approaches to financially supporting children from high school through to adulthood. They explore concepts such as purchasing first cars, college funding, and financial independence, drawing on their own experiences as well as the evolving landscape of education and employment. They also touch on the importance of balancing support with encouraging self-reliance, and consider the potential benefits of providing financial assistance at pivotal life milestones like weddings and buying a first home. The conversation is framed within the broader context of creating a stable, supportive family environment while fostering independence and financial responsibility.00:00 Introduction: Supporting Children Financially00:26 Hosts' Personal Updates and Reflections04:10 High School Years: Car Purchases and Responsibilities17:00 College Support: Plans and Perspectives31:06 Post-College Independence and Financial Responsibility34:15 Weddings and Financial Gifts39:57 Final Thoughts and Wrap-UpAny of these products help the show. Thanks for your support!Mint Mobile - We both use Mint Mobile and save a ton on our phone plan: https://fbuy.me/vgAmzEmpower is Josh’s choice for Net Worth and BudgetingWanna create a podcast? We use DescriptLooking for a new credit card? We’re big fans of ChaseBuy Us a Coffee - One time donation or monthly, it’s up to youWant to save money on gas? Try Upside!Books mentioned in this episode:Come find us and subscribe on YouTube: http://www.youtube.com/@9toFIWe want to hear from you!Contact Elliot: Elliot@ninetofipod.comContact Josh: Josh@ninetofipod.com | — | ||||||
| 1/26/26 | 2025 Expenses - Sharing Our Real Numbers | 9 to FI 027 | 9 to FI Podcast | Year-End Financial Review: Analyzing Spending Habits and Optimizing SavingsIn this episode of Nine to FI, Josh and Elliot delve into their year-end financial reviews, discussing Josh's early retirement journey and Elliot's steps towards the same goal. The hosts share their insights on managing finances post-retirement, including a detailed analysis of their spending categories such as travel, groceries, dining out, and utilities. Josh explains their approach to utilizing owner distributions from rental properties to cover expenses, while Elliot reflects on using various financial tools and spreadsheets to track savings and manage investments. Both emphasize the importance of scrutinizing expenses to identify possible areas for optimization and share strategies for continuous financial improvement. The episode wraps up with plans to revisit this detailed financial review in the future to keep refining their budgeting processes.00:00 Introduction to Nine to FI Podcast00:39 Casual Catch-Up and Weather Talk01:52 Year-End Financial Review04:59 Detailed Breakdown of Expenses11:06 Comparing Annual Spending14:39 Tools and Methods for Financial Tracking22:26 RSUs and Future Financial Planning23:26 Josh's Financial Estimates and Projections25:07 Analyzing Credit Card Spending25:56 Grocery and Household Expenses27:13 Travel Expenditures Breakdown28:42 Dining Out Costs34:16 Bills and Utilities Overview34:52 Cutting Down on Subscriptions36:29 Entertainment and Shopping36:55 Automotive and Home Improvement40:47 Income and Cash Flow Management45:16 Optimizing Business Expenses46:35 Conclusion and Future PlansAny of these products help the show. Thanks for your support!Mint Mobile - We both use Mint Mobile and save a ton on our phone plan: https://fbuy.me/vgAmzEmpower is Josh’s choice for Net Worth and BudgetingWanna create a podcast? We use DescriptLooking for a new credit card? We’re big fans of ChaseBuy Us a Coffee - One time donation or monthly, it’s up to youWant to save money on gas? Try Upside!Books mentioned in this episode:Come find us and subscribe on YouTube: http://www.youtube.com/@9toFIWe want to hear from you!Contact Elliot: Elliot@ninetofipod.comContact Josh: Josh@ninetofipod.com | — | ||||||
| 1/19/26 | Time To Leave The FIRE Community | 9 to FI 026 | 9 to FI Podcast | Navigating the Journey Beyond Financial IndependenceIn this episode of the 'Nine to FI' podcast, hosts Josh and Elliot discuss an article from the Mad Fientist about leaving the FIRE (Financial Independence Retire Early) movement. They explore the nuanced stages of pursuing financial independence and the shift in focus from aggressive saving to enjoying financial freedom. The conversation highlights the challenges of maintaining the FIRE mentality post-retirement, the evolution of personal priorities, and the importance of balancing community engagement with other life interests. The hosts also reflect on their own experiences and share insights for both newcomers and seasoned members of the FIRE community.00:00 Introduction to Nine to FI Podcast00:45 Discussing the Mad Fientist Article03:04 Reactions to the Article's Bold Statements05:42 Personal Experiences with the FIRE Community10:40 Balancing FIRE and Personal Life16:12 Challenges of Maintaining FIRE Habits18:47 Reflections on FIRE and Future Directions37:33 Closing Thoughts and Listener AppreciationAny of these products help the show. Thanks for your support!Mint Mobile - We both use Mint Mobile and save a ton on our phone plan: https://fbuy.me/vgAmzEmpower is Josh’s choice for Net Worth and BudgetingWanna create a podcast? We use DescriptLooking for a new credit card? We’re big fans of ChaseBuy Us a Coffee - One time donation or monthly, it’s up to youWant to save money on gas? Try Upside!Books mentioned in this episode:Come find us and subscribe on YouTube: http://www.youtube.com/@9toFIWe want to hear from you!Contact Elliot: Elliot@ninetofipod.comContact Josh: Josh@ninetofipod.com | — | ||||||
| 1/12/26 | Hey Amazon, you're fired! | 9 to FI 025 | 9 to FI Podcast | Navigating Holiday Breaks and Amazon Prime CancellationIn this episode of the Nine to FI podcast, hosts Josh and Elliot discuss their experiences and reflections on holiday breaks, detailing the contrast between Josh's retired life and Elliot's imminent return to full-time employment. They dive into the 'Sunday scaries' and how the ability to manage time during holidays has shifted. The episode also covers a discussion on the decision to cancel Amazon Prime in favor of supporting local businesses, including the reasons behind it and the resulting changes to their shopping habits. The hosts highlight their ad-free podcast model and encourage listener support through links in the show notes.Is amazon prime worth it? Amazon prime cancellation. Breaking up with Amazon. Quitting Amazon. Why I cancelled amazon prime00:00 Introduction to Nine to FI Podcast00:41 Holiday Reflections and Work Transitions01:37 Balancing Work and Personal Life04:38 Morning Routines and Exercise07:10 Amazon Prime Cancellation Discussion09:42 Supporting Local CommunitiesAny of these products help the show. Thanks for your support!Mint Mobile - We both use Mint Mobile and save a ton on our phone plan: https://fbuy.me/vgAmzEmpower is Josh’s choice for Net Worth and BudgetingWanna create a podcast? We use DescriptLooking for a new credit card? We’re big fans of ChaseBuy Us a Coffee - One time donation or monthly, it’s up to youWant to save money on gas? Try Upside!Books mentioned in this episode:Come find us and subscribe on YouTube: http://www.youtube.com/@9toFIWe want to hear from you!Contact Elliot: Elliot@ninetofipod.comContact Josh: Josh@ninetofipod.com | — | ||||||
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