Catching Up to FI copertina

Catching Up to FI

Catching Up to FI

Di: Bill Yount & Jackie Cummings Koski
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A mindset, money, and life podcast for late starters catching up to Financial Independence.2024 Economia Finanza personale
Episodi
  • How to Make Financial Mistakes and Still FIRE! | Doug Cunnington of Mile High FI Podcast | 243

    How to Make Financial Mistakes and Still FIRE! | Doug Cunnington of Mile High FI Podcast | 243
    Oct 18 2026
    What if getting to FI has less to do with avoiding mistakes and more to do with surviving them without setting too much money on fire? Bill joins Doug Cunnington of Mile High FI for a refreshingly imperfect look at the financial decisions they wish they could redo. Between them: credit card debt, lifestyle inflation, whole life insurance, expensive advisors, an underwater dream house, a foreclosure, selling stocks at exactly the wrong time, and the very FI-specific problem of eventually becoming too good at saving. But this isn't just a financial confession booth. Bill and Doug compare what actually helped them recover, why "good enough" beats perfect, and how both still reached FI despite getting plenty wrong along the way. This episode covers Why financial mistakes are often part of the learning process rather than proof you've failed Bill's late-start wake-up at 50 and Doug's accidental path into the FI community How missing financial education can turn needs, wants, and lifestyle inflation upside down Whole life insurance, expensive advisors, and the opportunity cost of bad financial products When DIY investing works—and when professional advice can uncover expensive blind spots Doug's housing mistake, rental losses, and strategic foreclosure Bill's over-renovated home, car payments, debt, and the cost of "too much house" Investing mistakes including selling during crashes and chasing recent winners Why aggressive savers can eventually struggle to give themselves permission to spend Bill's "fog of FI," phased retirement, and learning to use financial independence instead of merely reaching it . === SUPPORT THE SHOW === 📩 Sign up for our newsletter 🌐 Visit Catching Up to FI website 🔗Connect with us ☕ Like what you hear on Catching Up to FI? Support the show at "Buy Me a Coffee" 🎙️We love hearing from you! Record a Voice Message with your feedback or question Record a Voice Message with your feedback or question . ===DEALS & DISCOUNTS FROM OUR TRUSTED PARTNERS=== F.I.R.E. For Dummies Did you know that co-host Jackie Cummings Koski, CFP®, AFC® is also author of "F.I.R.E. For Dummies"? This is the perfect guide for anyone looking to move from the basics of their finances to reaching F.I.R.E. (Financial Independence, Retire Early) and enjoying the time freedom it creates. Even if you feel behind on your finances, the steps in this book will help you catch up sooner than you ever imagined. Learn from someone who actually achieved F.I.R.E. in her 40s even after getting a late start Covers everything from basics to advanced strategies in one guide Practical solutions for early retirement obstacles like health insurance and early withdrawal penalties 📕 Get Your Copy (currently 40% off on Amazon) For a full list of current deals and discounts from our partners, sponsors and affiliates, click here: catchinguptofi.com/our-partners . RESOURCES MENTIONED ON THE SHOW Mile High FI Podcast Mile High FI YouTube . ⏰ Related Episodes The Income Trap: How Not to Become A Millionaire | ChooseFI Crossover | 236 The Fog of FI: Overcoming the Fear of Quitting Your Job | "The Long View" Crossover | 211 . 📌Disclaimer: Our content is for general education and information purposes only. We are not providing financial, legal, or tax advice. Always do your own research or consult a professional before making important decisions.
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    1 ora e 4 min
  • Debunking the Biggest Retirement Fear Tactics With Erin Talks Money | Erin Talks Money | Erin Moriarity | 242

    Debunking the Biggest Retirement Fear Tactics With Erin Talks Money | Erin Talks Money | Erin Moriarity | 242
    Oct 11 2026
    Erin Moriarity, the plain-English force behind Erin Talks Money, joins Bill and Jackie to unpack why retirement planning gets easier when we stop worshipping giant portfolio numbers and start thinking in income, spending, and real life. Erin traces her path from buying Campbell Soup stock at eight with her investing grandmother to earning the best 34 cents of her life on YouTube. She eventually grew the massive financial education platform we know today. Then the conversation moves into the stuff retirees actually worry about: whether late starters can still catch up, how Social Security may change, why the 4% rule gets mangled in headlines, and why lifelong savers often struggle more with spending than saving. This episode covers How Erin Talks Money grew from a struggling YouTube experiment into a major financial education platformThe radically different money personalities in Erin's family and how they shaped her approach to financeWhy painful childhood experiences with money made financial independence and control so important to ErinWhy late starters can still make enormous progress with a 10–15 year runwayWhy retirement income can feel more meaningful than staring at a large portfolio balanceThe evolution of Erin's content from budgeting and FIRE to retirement income and decumulationSocial Security reform, the wage base, the "donut hole," and why no single fix solves everythingWhy phased retirement can strengthen both your finances and your quality of lifeThe psychological challenge of switching from lifelong saver to confident spenderWhy scary headlines about Social Security, long-term care, inflation, and retirement spending often need more context . === SUPPORT THE SHOW === 📩 Sign up for our newsletter 🌐 Visit Catching Up to FI website 🔗Connect with us ☕ Like what you hear on Catching Up to FI? Support the show at "Buy Me a Coffee" 🎙️We love hearing from you! Record a Voice Message with your feedback or question Record a Voice Message with your feedback or question . ===DEALS & DISCOUNTS FROM OUR TRUSTED PARTNERS=== F.I.R.E. For Dummies Did you know that co-host Jackie Cummings Koski, CFP®, AFC® is also author of "F.I.R.E. For Dummies"? This is the perfect guide for anyone looking to move from the basics of their finances to reaching F.I.R.E. (Financial Independence, Retire Early) and enjoying the time freedom it creates. Even if you feel behind on your finances, the steps in this book will help you catch up sooner than you ever imagined. Learn from someone who actually achieved F.I.R.E. in her 40s even after getting a late start Covers everything from basics to advanced strategies in one guide Practical solutions for early retirement obstacles like health insurance and early withdrawal penalties 📕 Get Your Copy (currently 40% off on Amazon) For a full list of current deals and discounts from our partners, sponsors and affiliates, click here: catchinguptofi.com/our-partners . RESOURCES MENTIONED ON THE SHOW Erin Moriarity website Erin Talks Money Youtube Erin Talks Money LinkedIn Root Financial Erin's forthcoming retirement-spending book (estimated release: December, 2027) Social Security Online Account . ⏰ Related Episodes 61% of Americans Fear Outliving Their Money: Here's the Fix | Jean Chatzky | 237 Social Security Made Simple | Mike Piper | 054 . 📌Disclaimer: Our content is for general education and information purposes only. We are not providing financial, legal, or tax advice. Always do your own research or consult a professional before making important decisions.
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    1 ora e 4 min
  • Small Money Ideas That Lead To Bigger Conversations | AICPA Crossover | 241

    Small Money Ideas That Lead To Bigger Conversations | AICPA Crossover | 241
    Oct 7 2026
    What if the smartest financial planning move isn't a 100-page plan, but one question that makes you stop and say, "Wait... I can do that?" In this crossover with the AICPA Personal Financial Planning Podcast, Jackie puts on her professional hat for two conversations about the small ideas that can create much bigger financial wins. First, she and host Cary Sinnett unpack five high-impact planning opportunities involving 529s, 72(t)s, HSAs, charitable giving, and forgotten retirement accounts. Then they zoom out to the bigger question: why financial literacy, not products or strategies, is the foundation for better decisions and greater financial independence. Jackie also tackles FIRE stereotypes, the shame late starters often carry, and the "superpowers" that can emerge once people stop beating themselves up and start asking better questions. This episode covers Five small financial-planning conversations that can uncover much bigger opportunitiesNew and expanded ways families may be able to use 529 plansHow 72(t) distributions can help some people access retirement money before age 59½Why HSAs can be much more than simple medical spending accountsCharitable-giving strategies ranging from smaller deductions to donor-advised fundsHow to search for forgotten 401(k)s and other unclaimed assetsWhy financial literacy should come before complicated products and strategiesHow money beliefs and behavior can overpower mathematically "correct" decisionsWhy FIRE doesn't require copying someone else's lifestyleThe late-starter journey from shame and guilt to action, confidence, and financial "superpowers" . === SUPPORT THE SHOW === 📩 Sign up for our newsletter 🌐 Visit Catching Up to FI website 🔗Connect with us ☕ Like what you hear on Catching Up to FI? Support the show at "Buy Me a Coffee" 🎙️We love hearing from you! Record a Voice Message with your feedback or question Record a Voice Message with your feedback or question . ===DEALS & DISCOUNTS FROM OUR TRUSTED PARTNERS=== F.I.R.E. For Dummies Did you know that co-host Jackie Cummings Koski, CFP®, AFC® is also author of "F.I.R.E. For Dummies"? This is the perfect guide for anyone looking to move from the basics of their finances to reaching F.I.R.E. (Financial Independence, Retire Early) and enjoying the time freedom it creates. Even if you feel behind on your finances, the steps in this book will help you catch up sooner than you ever imagined. Learn from someone who actually achieved F.I.R.E. in her 40s even after getting a late start Covers everything from basics to advanced strategies in one guide Practical solutions for early retirement obstacles like health insurance and early withdrawal penalties 📕 Get Your Copy (currently 40% off on Amazon) For a full list of current deals and discounts from our partners, sponsors and affiliates, click here: catchinguptofi.com/our-partners . RESOURCES MENTIONED ON THE SHOW AICPA Personal Financial Planning Podcast Retirement Savings Lost and Found Database National Association of State Treasurers (Missing Money) . 📌Disclaimer: Our content is for general education and information purposes only. We are not providing financial, legal, or tax advice. Always do your own research or consult a professional before making important decisions.
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    46 min
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