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Mile High FI Podcast

Carl Jensen & Doug Cunnington

Real talk about Financial Independence and life after corporate jobs. Carl Jensen and Doug Cunnington talk about FI, lifestyle, side hustles, health, and anything on their minds. Plus, they interview experts and non-experts interested in the FI lifestyle. It's raw, candid, pretty much like you get to sit in on a private conversation.

  • 1 hour 1 minute
    Coast FI Case Study Update: Frances | MHFI 246

    Doug chats with Frances a year after her and her husband’s initial appearance on the show.  She provides updates on her and Peter’s job situations as well as updates on all things financial – current housing situation, savings & investing strategies, spending, and expense tracking.  Frances also shares some personal updates while asking listeners to provide feedback to some questions that she’s working through.

    Listener Questions:

    • Continue to dollar-cost-average $10k per month from savings into investments or just do a lump sum?
    • With $18k in an emergency fund, is having an additional $40K-$48K in short-term savings practical or too much?  If expenses do come up, is it better to cashflow these items instead of keeping so much in savings?
    • Any suggestions for budgeting apps besides Monarch Money?
    • Looking for a crossover or hatchback with lots of trunk space, 30K-40K miles, ideally $15K-$20K ($30K max), preferably a Honda or Toyota but doesn’t seem to be many options out there.  Okay to buy a new vehicle in this situation or stick with something used?  How much is the right amount to spend on a car?

    This episode is brought to you by GhostBed.  Doug has the GhostBed Luxe Mattress and loves it!  Take the 3 minute sleep quiz to see which mattress is right for you.  Save 50% site-wide on your new mattress, bed frame, pillow, and bedding over at GhostBed (coupon code: MILEHIGHFI)

    Save With Mint Mobile! (https://milehighfi.com/mint) New customers can get 3 months of unlimited premium wireless for $15/mo.  Doug’s phone bill went from $1440/yr to $360/yr for him and his wife.  It’s super easy to switch and you can use your existing phone.  If you use the MHFI link, it won’t cost you extra and it helps support the show. Buy 2 months, get 1 month free limited time offer available until January 2, 2025 at 11:59pm PST for new customers and at select channels only. “One month free” applied as $15 discount at checkout on 3-month 5GB plan only – upfront payment of $30 required, w/taxes & fees extra. One-time discount applied for first 3 months only. Not combinable/available with certain other promotions/offers.

    Looking for help with your estate plan?  Trust & Will provides online tools for creating, you guessed it… trusts and wills.  For those who don’t have any estate planning documents in place, this could be a good option to get started.  We’re affiliates so we can earn a commission if you sign up.  Thanks for the support. https://milehighfi.com/trustandwill

    Need a fee only advisor?  Nectarine is a network of financial advisors where you just pay for investing & planning advice.  Advisors don’t manage your money, sell products, or earn commissions. We’re affiliates so we can earn a commission if you sign up.  Thanks for the support. https://milehighfi.com/nectarine

    Help Doug afford a better microphone that doesn’t continuously buzz by providing support at Buy Me A Coffee.

    Links

    —

    Join the Mile High FI Club – It’s the email list!

    Get MHFi Merch – It helps support the show. Get t-shirts & more

    **Disclaimer: The podcast is for informational purposes. Maybe entertainment but we won’t even make such a claim. You shouldn’t take the info as financial, legal, or tax advice. We aren’t certified financial planners or advisors. We’re not qualified for much. So get advice from professionals.**

    Brought To You By:

    The Doug Show, aka Affiliate Marketing & Side Hustles

    Email the show: [email protected]

    0:00 Introduction

    5:52 Updated housing situation

    12:10 Cash position & emergency fund

    17:43 Investments & Frances’ business

    24:38 Spending

    32:22 Paying off the mortgage & Peter’s job

    38:17 Personal updates

    45:16 Budgeting & tracking expenses

    51:19 Car suggestions

    17 December 2024, 2:00 pm
  • 1 hour 17 minutes
    Frances and Peter: Coast FI Case Study [rebroadcast] | MHFI 245

    Doug and Carl chat with Frances & Peter to analyze the couple’s financial situation and determine the viability of their Coast FI strategy.   They discuss investment strategies, personal financial goals, maintaining a balance between frugality & enjoying life, the potential of leveraging real estate, and other financial planning aspects.

    Note: This is a rebroadcast of MHFI episode 186

    This episode is brought to you by GhostBed.  Doug has the GhostBed Luxe Mattress and loves it!  Take the 3 minute sleep quiz to see which mattress is right for you.  Save 50% site-wide on your new mattress, bed frame, pillow, and bedding over at GhostBed (coupon code: MILEHIGHFI)

    Save With Mint Mobile! (https://milehighfi.com/mint) New customers can get 3 months of unlimited premium wireless for $15/mo.  Doug’s phone bill went from $1440/yr to $360/yr for him and his wife.  It’s super easy to switch and you can use your existing phone.  If you use the MHFI link, it won’t cost you extra and it helps support the show. Buy 2 months, get 1 month free limited time offer available until January 2, 2025 at 11:59pm PST for new customers and at select channels only. “One month free” applied as $15 discount at checkout on 3-month 5GB plan only – upfront payment of $30 required, w/taxes & fees extra. One-time discount applied for first 3 months only. Not combinable/available with certain other promotions/offers.

    Looking for help with your estate plan?  Trust & Will provides online tools for creating, you guessed it… trusts and wills.  For those who don’t have any estate planning documents in place, this could be a good option to get started.  We’re affiliates so we can earn a commission if you sign up.  Thanks for the support. https://milehighfi.com/trustandwill

    Need a fee only advisor?  Nectarine is a network of financial advisors where you just pay for investing & planning advice.  Advisors don’t manage your money, sell products, or earn commissions. We’re affiliates so we can earn a commission if you sign up.  Thanks for the support. https://milehighfi.com/nectarine

    Help Doug & Carl pay for their Dumb & Dumber tuxedoes by providing support at Buy Me A Coffee.

    Links

    (*Some affiliate links so we might earn a commission if you buy something)

    —

    Join the Mile High FI Club – It’s the email list!

    Get MHFi Merch – It helps support the show. Get t-shirts & more

    **Disclaimer: The podcast is for informational purposes. Maybe entertainment but we won’t even make such a claim. You shouldn’t take the info as financial, legal, or tax advice. We aren’t certified financial planners or advisors. We’re not qualified for much. So get advice from professionals.**

    Brought To You By:

    The Doug Show, aka Affiliate Marketing & Side Hustles

    Email the show: [email protected]

    0:00 Introduction

    4:01 Coffee & asparagus

    10:58 Coast FI definition

    15:23 Retirement goals

    21:08 Current housing situation

    26:38 Roadblocks

    32:02 Frugal in recovery

    39:58 Envisioning the ideal life

    45:42 Work situations & moving

    51:58 Diving into the numbers

    1:02:26 Resolving the housing situation

    1:07:50 What would Carl & Doug do?

    1:14:51 Soundcheck – The big event

    10 December 2024, 2:00 pm
  • 1 hour 25 minutes
    Zero to $1 Million in 10 Years on a Middle Class Salary - Adam | MHFI 244

    Doug chats with Adam, a psychology professor, to examine his financial journey from zero net worth to a million dollars in a decade.  Adam shares insights into his strategic real estate investments, deliberate career choices, the concept of Slow FI & lifestyle design, achieving a balance between work & a fulfilling lifestyle, and how his background in psychology influenced his financial decisions.

    This episode is brought to you by GhostBed.  Doug has the GhostBed Luxe Mattress and loves it!  Take the 3 minute sleep quiz to see which mattress is right for you.  Save 50% site-wide on your new mattress, bed frame, pillow, and bedding over at GhostBed (coupon code: MILEHIGHFI)

    Save With Mint Mobile! (https://milehighfi.com/mint) New customers can get 3 months of unlimited premium wireless for $15/mo.  Doug’s phone bill went from $1440/yr to $360/yr for him and his wife.  It’s super easy to switch and you can use your existing phone.  If you use the MHFI link, it won’t cost you extra and it helps support the show. Buy 2 months, get 1 month free limited time offer available until January 2, 2025 at 11:59pm PST for new customers and at select channels only. “One month free” applied as $15 discount at checkout on 3-month 5GB plan only – upfront payment of $30 required, w/taxes & fees extra. One-time discount applied for first 3 months only. Not combinable/available with certain other promotions/offers.

    Looking for help with your estate plan?  Trust & Will provides online tools for creating, you guessed it… trusts and wills.  For those who don’t have any estate planning documents in place, this could be a good option to get started.  We’re affiliates so we can earn a commission if you sign up.  Thanks for the support. https://milehighfi.com/trustandwill

    Need a fee only advisor?  Nectarine is a network of financial advisors where you just pay for investing & planning advice.  Advisors don’t manage your money, sell products, or earn commissions. We’re affiliates so we can earn a commission if you sign up.  Thanks for the support. https://milehighfi.com/nectarine

    Help Doug recover some of his real estate losses by providing support at Buy Me A Coffee.

    Links

    (*Some affiliate links so we might earn a commission if you buy something)

    —

    Join the Mile High FI Club – It’s the email list!

    Get MHFi Merch – It helps support the show. Get t-shirts & more

    **Disclaimer: The podcast is for informational purposes. Maybe entertainment but we won’t even make such a claim. You shouldn’t take the info as financial, legal, or tax advice. We aren’t certified financial planners or advisors. We’re not qualified for much. So get advice from professionals.**

    Brought To You By:

    The Doug Show, aka Affiliate Marketing & Side Hustles

    Email the show: [email protected]

    0:00 Introduction

    6:56 Parable of the Mexican fisherman

    10:29 Discovering the FI community

    16:58 Career decisions beyond the money

    22:10 Progress towards $1 million

    31:08 Moving to Kauai

    35:54 Slower pace of life & prioritizing relationships

    42:26 Real estate portfolio

    51:17 Slow FI

    56:23 The influence of Coach Carson

    1:04:21 Wins & future goals

    1:11:56 Do the thing you want to do

    1:18:13 Find your own path

    1:22:12 Soundcheck – HQ Pizza

    3 December 2024, 2:00 pm
  • 1 hour 2 minutes
    Exploring the Path to FI - FinCon Roundtable - Chad Carson, Jeremy Schneider | MHFI 243

    Doug and Carl chat with Chad Carson and Jeremy Schneider live from FinCon 2024 in Atlanta.  The group discusses the benefits of financial independence, their unique entrepreneurial journeys, working after achieving FI, the current state of the FIRE movement, and the need for tension in life.  They also discuss their opinions on both e-bikes & electric cars.  Jeremy introduces his startup, Nectarine, a marketplace for fiduciary financial advice, while Chad shares insights on his real estate-focused coaching and teaching endeavors.

    This episode is brought to you by GhostBed.  Doug has the GhostBed Luxe Mattress and loves it!  Take the 3 minute sleep quiz to see which mattress is right for you.  Save 50% site-wide on your new mattress, bed frame, pillow, and bedding over at GhostBed (coupon code: MILEHIGHFI)

    Save With Mint Mobile! (https://milehighfi.com/mint) New customers can get 3 months of unlimited premium wireless for $15/mo.  Doug’s phone bill went from $1440/yr to $360/yr for him and his wife.  It’s super easy to switch and you can use your existing phone.  If you use the MHFI link, it won’t cost you extra and it helps support the show. Buy 2 months, get 1 month free limited time offer available until January 2, 2025 at 11:59pm PST for new customers and at select channels only. “One month free” applied as $15 discount at checkout on 3-month 5GB plan only – upfront payment of $30 required, w/taxes & fees extra. One-time discount applied for first 3 months only. Not combinable/available with certain other promotions/offers.

    Looking for help with your estate plan?  Trust & Will provides online tools for creating, you guessed it… trusts and wills.  For those who don’t have any estate planning documents in place, this could be a good option to get started.  We’re affiliates so we can earn a commission if you sign up.  Thanks for the support. https://milehighfi.com/trustandwill

    Need a fee only advisor?  Nectarine is a network of financial advisors where you just pay for investing & planning advice.  Advisors don’t manage your money, sell products, or earn commissions. We’re affiliates so we can earn a commission if you sign up.  Thanks for the support. https://milehighfi.com/nectarine

    Black Friday is almost here and Doug has caught the fever!  Help him pay for all of his frivolous spending by providing support at Buy Me A Coffee.

    Links

    (*Some affiliate links so we might earn a commission if you buy something)

    —

    Join the Mile High FI Club – It’s the email list!

    Get MHFi Merch – It helps support the show. Get t-shirts & more

    **Disclaimer: The podcast is for informational purposes. Maybe entertainment but we won’t even make such a claim. You shouldn’t take the info as financial, legal, or tax advice. We aren’t certified financial planners or advisors. We’re not qualified for much. So get advice from professionals.**

    Brought To You By:

    The Doug Show, aka Affiliate Marketing & Side Hustles

    Email the show: [email protected]

    0:00 Introduction

    7:11 Live from FinCon Atlanta

    10:04 The entrepreneurship mindset

    15:51 Working after reaching FI

    21:20 Dealing with tension in life after FI

    26:09 Experimenting with retirement

    31:27 State of the FIRE movement

    36:26 E-Bikes

    42:32 Electric cars

    47:06 Jeremy’s intro to Nectarine

    55:02 Chad’s journey into coaching & teaching

    26 November 2024, 2:00 pm
  • 55 minutes 20 seconds
    Estate Planning with Sean Mullaney | MHFI 242

    Doug chats with Sean Mullaney (The FI Tax Guy) about the essential elements of estate planning.  Sean covers the importance of planning for everyone (not just the wealthy), stresses the significance of having a will, updating beneficiary designations, and creating trusts to protect assets & ensuring financial security for loved ones.  Special attention is given to estate planning in regards to kids (providing guardianship) and working with the correct professionals to plan for taxes.

    The discussion is intended to be for general educational purposes and is not tax, legal, or investment advice for any individual. Doug and the Mile High FI podcast do not endorse Sean Mullaney, Mullaney Financial & Tax, Inc. and their services. Guest appearances on the podcast do not constitute their endorsement of any sponsors of the Mile High FI podcast.

    Looking for help with your estate plan?  Trust & Will provides online tools for creating, you guessed it… trusts and wills.  For those who don’t have any estate planning documents in place, this could be a good option to get started.  We’re affiliates so we can earn a commission if you sign up.  Thanks for the support. https://milehighfi.com/trustandwill

    Be sure to check out the new GhostBed Massage Topper.  Save 50% site-wide on your new mattress, pillow, and bedding over at GhostBed (coupon code: MILEHIGHFI)

    Need a fee only advisor?  Nectarine is a network of financial advisors where you just pay for investing & planning advice.  Advisors don’t manage your money, sell products, or earn commissions. We’re affiliates so we can earn a commission if you sign up.  Thanks for the support. https://milehighfi.com/nectarine

    If you have any tips for talking about death & estate planning come share over at Buy Me A Coffee.

    Links

    (*Some affiliate links so we might earn a commission if you buy something)

    —

    Join the Mile High FI Club – It’s the email list!

    Get MHFi Merch – It helps support the show. Get t-shirts & more

    **Disclaimer: The podcast is for informational purposes. Maybe entertainment but we won’t even make such a claim. You shouldn’t take the info as financial, legal, or tax advice. We aren’t certified financial planners or advisors. We’re not qualified for much. So get advice from professionals.**

    Brought To You By:

    The Doug Show, aka Affiliate Marketing & Side Hustles

    Email the show: [email protected]

    0:00 Introduction

    2:59 Importance of estate planning

    8:10 Four funnels

    14:17 Beneficiary designations & revocable living trusts

    20:52 Tips for discussing estate planning

    25:42 Planning for kids

    33:16 Working with financial planners & lawyers

    36:43 Tax planning

    45:53 Discussions with aging parents

    52:45 Soundcheck – Home renovations

    19 November 2024, 2:00 pm
  • 1 hour 13 minutes
    Mr. Money Mustache on Being Retired 19 Years & Turning 50 | MHFI 241

    Doug chats with Pete Adeney (Mr. Money Mustache) about a variety of topics centered around retirement, fitness, happiness, and sustainable living.  Pete also answers questions from the Facebook mailbag.

    • Sam – What advice would you give to a young adult today that wants to retire early?
    • Niel – Congratulations on becoming an empty nester. What are you most looking forward to in this new phase of life?
    • Khang – What is something new you’ve tried recently that you would recommend to others?
    • Rich – What is your sleep routine and are you a good sleeper?
    • Katie – You mentioned that you consulted with someone who wanted you to review their retirement plan. So have you done more of these consultations and what have you learned from the experience?
    • Andrea – You mentioned you want people to build new towns like Longmont. Do you have any thoughts on where the next Longmont might be given how expensive it’s become?
    • Chris – What are your thoughts on the Culdesac model? And have you brought any ideas back to Longmont from your time down there?
    • Kyle – What are your thoughts about the connection between the FIRE movement and environmentalism? Have you transitioned to socially responsible investing now that there are some low fee index funds for that? 
    • Rakesh – How do you maintain your composure when it seems like everything around you is falling apart?

    Be sure to check out the new GhostBed Massage Topper.  Save 50% site-wide on your new mattress, pillow, and bedding over at GhostBed (coupon code: MILEHIGHFI)

    Need a fee only advisor?  Nectarine is a network of financial advisors where you just pay for investing & planning advice.  Advisors don’t manage your money, sell products, or earn commissions. We’re affiliates so we can earn a commission if you sign up.  Thanks for the support. https://milehighfi.com/nectarine

    Help Doug finally sell his gas-guzzler and purchase a new EV by providing support at Buy Me A Coffee.

    Links

    —

    Join the Mile High FI Club – It’s the email list!

    Get MHFi Merch – It helps support the show. Get t-shirts & more

    **Disclaimer: The podcast is for informational purposes. Maybe entertainment but we won’t even make such a claim. You shouldn’t take the info as financial, legal, or tax advice. We aren’t certified financial planners or advisors. We’re not qualified for much. So get advice from professionals.**

    Brought To You By:

    The Doug Show, aka Affiliate Marketing & Side Hustles

    Email the show: [email protected]

    0:00 Introduction

    2:04 Comparing traditional retirement to FIRE

    6:53 Pete’s fitness routine & diet

    10:44 Reflections on 19 years of retirement

    17:10 The 4% rule & current expenses

    22:50 Experimenting with more spending

    28:11 Question – Advice for young adults retiring early

    33:19 Question – What are you looking fwd to as an empty-nester?

    34:30 Question – Something you’ve tried recently

    38:46 Question – Sleep routine

    43:39 Question – Consultations & coaching

    46:59 Question – The next Longmont

    52:24 Question – Thoughts on Culdesac

    58:28 Question – Socially responsible investing

    1:01:44 Question – World falling apart

    1:06:49 Soundcheck – EVs

    12 November 2024, 2:00 pm
  • 38 minutes 51 seconds
    Catching Up With Carl at FinCon | MHFI 240

    Doug and Carl reunite at FinCon 2024 in Atlanta to say hi & catch up with each other.  They both discuss recent travels, preferences for staying close to home in Longmont, and dieting/cutting calories especially around the holidays.  Carl also provides a fitness update and an update on how his home projects are going.

    Be sure to check out the new GhostBed Massage Topper.  Save 50% site-wide on your new mattress, pillow, and bedding over at GhostBed (coupon code: MILEHIGHFI)

    Need a fee only advisor?  Nectarine is a network of financial advisors where you just pay for investing & planning advice.  Advisors don’t manage your money, sell products, or earn commissions. We’re affiliates so we can earn a commission if you sign up.  Thanks for the support. https://milehighfi.com/nectarine

    Help Doug pay for next year’s FinCon ticket by providing support at Buy Me A Coffee.

    Links

    —

    Join the Mile High FI Club – It’s the email list!

    Get MHFi Merch – It helps support the show. Get t-shirts & more

    **Disclaimer: The podcast is for informational purposes. Maybe entertainment but we won’t even make such a claim. You shouldn’t take the info as financial, legal, or tax advice. We aren’t certified financial planners or advisors. We’re not qualified for much. So get advice from professionals.**

    Brought To You By:

    The Doug Show, aka Affiliate Marketing & Side Hustles

    Email the show: [email protected]

    0:00 Introduction

    5:36 Coming soon to the show

    9:45 Live from FinCon Atlanta

    13:09 Recent travels

    19:53 Staying close to home

    23:07 Fitness update

    27:43 Dieting & cutting calories

    31:28 Low-alcohol beer & time on the throne

    34:22 Update on Carl’s home projects

    5 November 2024, 2:00 pm
  • 41 minutes 57 seconds
    Financial Guilt and Coast FI Strategies - Mailbag | MHFI 239

    Doug and Dusti answer questions from the Facebook mailbag.

    • Sam – I’m Coast FIRE, currently working part-time to cover expenses without touching my portfolio. I have a NW just shy of $2M, with $1.5M in broad, low-cost ETFs, and the rest in my house and retirement account. My NW fluctuates daily, sometimes by $1K-$3K, or up to $10K-$30K with market volatility.  Here’s my dilemma: even with a solid NW, I still stress over expenses like a $600 home repair, higher home insurance, or an unexpected water bill. I spend time researching and finding the best deals, but I’m wondering if these minor expenses are worth worrying about when compared to my overall financial picture. Should I let go of the guilt and focus on long-term goals instead?
    • Angela – Getting close to CoastFI.  We will need about 10 years worth of money to fill the “gap” until we hit 60.  Do we… A) Slow down our contributions to our 401ks, so that we just get our “free money” and then redirect those funds to our after tax brokerage account (we would obviously pay more in taxes on our income).  B) Continue what we are doing and keep maxing out 401k with “leftovers” going in to brokerage, buffer our HYSA account/cd ladder/whatever for 5 years, and just plan on doing Roth conversions for the first 5 years so we can access that money for the other 5 years.  C) Some other idea?
    • Rakesh – Would you rather inherit a $500k house with rent income or $500k in index funds? Why and why not?

    Be sure to check out the new GhostBed Massage Topper.  Save 50% site-wide on your new mattress, pillow, and bedding over at GhostBed (coupon code: MILEHIGHFI)

    Need a fee only advisor?  Nectarine is a network of financial advisors where you just pay for investing & planning advice.  Advisors don’t manage your money, sell products, or earn commissions. We’re affiliates so we can earn a commission if you sign up.  Thanks for the support. https://milehighfi.com/nectarine

    Help Doug pay those taxes he loves so much by providing support at Buy Me A Coffee.

    Links

    (*Some affiliate links so we might earn a commission if you buy something)

    —

    Join the Mile High FI Club – It’s the email list!

    Get MHFi Merch – It helps support the show. Get t-shirts & more

    **Disclaimer: The podcast is for informational purposes. Maybe entertainment but we won’t even make such a claim. You shouldn’t take the info as financial, legal, or tax advice. We aren’t certified financial planners or advisors. We’re not qualified for much. So get advice from professionals.**

    Brought To You By:

    The Doug Show, aka Affiliate Marketing & Side Hustles

    Email the show: [email protected]

    0:00 Introduction

    2:06 Question – Letting go of guilt

    8:08 Maximizers vs Satisficers

    15:44 Question – Planning for CoastFI

    18:55 Taxes

    25:05 Question – $500K house or $500K in index funds

    29:55 Real estate is scammy

    36:56 Soundcheck – Phone issues

    29 October 2024, 1:00 pm
  • 1 hour 4 minutes
    Coast FI: Semi-Retiring Early - Kristen Knapp | MHFI 238

    Doug chats with Kristen Knapp, a meteorologist from St. Louis, about her Financial Independence journey, how she made it to Coast FI, and the importance of the FI community.  Kristen shares how her frugal upbringing & early financial literacy set the stage for financial stability, details her transition from a full-time meteorology career to a part-time Coast FI lifestyle (including all of the life events that influenced her decision), and shares what she’s doing now to fill her time.  She also discusses her new venture, FI Friends Travel, where she plans trips tailored to the FI community. 

    Be sure to check out the new GhostBed Massage Topper.  Save 50% site-wide on your new mattress, pillow, and bedding over at GhostBed (coupon code: MILEHIGHFI)

    Need a fee only advisor?  Nectarine is a network of financial advisors where you just pay for investing & planning advice.  Advisors don’t manage your money, sell products, or earn commissions. We’re affiliates so we can earn a commission if you sign up.  Thanks for the support. https://milehighfi.com/nectarine

    Help Kristen afford her very first spreadsheet by heading over to Buy Me A Coffee.

    Links

    (*Some affiliate links so we might earn a commission if you buy something)

    —

    Join the Mile High FI Club – It’s the email list!

    Get MHFi Merch – It helps support the show. Get t-shirts & more

    **Disclaimer: The podcast is for informational purposes. Maybe entertainment but we won’t even make such a claim. You shouldn’t take the info as financial, legal, or tax advice. We aren’t certified financial planners or advisors. We’re not qualified for much. So get advice from professionals.**

    Brought To You By:

    The Doug Show, aka Affiliate Marketing & Side Hustles

    Email the show: [email protected]

    0:00 Introduction

    3:29 Intro to Financial Independence

    10:29 Impact of the FI community

    15:31 Kristen’s simple FI math

    22:46 Filling the time away from work

    28:18 Challenges while transitioning to part-time

    36:46 What a typical week looks like

    42:43 FI Friends Travel

    49:58 Other FI events & influences

    54:24 Most valuable lesson & advice to others

    1:00:28 Soundcheck – Frankenfinger

    22 October 2024, 1:00 pm
  • 44 minutes 30 seconds
    Living in Longmont: Community & Retirement Insights | MHFI 237

    Doug and Dusti answer questions from the Facebook mailbag.

    • Chris
      • For Doug: I know this is a stereotypical interview question, but where do you see yourself in 5 years? With Elizabeth’s recent retirement and your continued involvement with the FI community, how do you see your life changing (or perhaps not) in the next handful of years?
      • For Dusti: How is retirement going? Any updates or new observations since you were last on the podcast?
    • Niel – I would be interested to hear more about your hobbies, even if you aren’t actively pursuing them at the moment. Homebrewing, cooking, BBQ, guitar, etc. Bonus points if you can relate it to FIRE but not necessary.
    • Erin – Does living in Longmont make it easier to retire and have a social group where people understand? Are you also experiencing people around you busier due to the cost of living?

    Be sure to check out the new GhostBed Massage Topper.  Save 50% site-wide on your new mattress, pillow, and bedding over at GhostBed (coupon code: MILEHIGHFI)

    Need a fee only advisor?  Nectarine is a network of financial advisors where you just pay for investing & planning advice.  Advisors don’t manage your money, sell products, or earn commissions. We’re affiliates so we can earn a commission if you sign up.  Thanks for the support. https://milehighfi.com/nectarine

    Help Doug afford his own “I Love Camping” hat by providing support at Buy Me A Coffee.

    Links

    (*Some affiliate links so we might earn a commission if you buy something)

    —

    Join the Mile High FI Club – It’s the email list!

    Get MHFi Merch – It helps support the show. Get t-shirts & more

    **Disclaimer: The podcast is for informational purposes. Maybe entertainment but we won’t even make such a claim. You shouldn’t take the info as financial, legal, or tax advice. We aren’t certified financial planners or advisors. We’re not qualified for much. So get advice from professionals.**

    Brought To You By:

    The Doug Show, aka Affiliate Marketing & Side Hustles

    Email the show: [email protected]

    0:00 Introduction

    3:25 Question – Where does Doug see himself in 5 years?

    6:47 Time-bucketing travel experiences

    13:14 Question – How is Dusti’s retirement going?

    20:04 Sleep issues & strategies

    25:17 Question – Doug’s hobbies

    33:03 Question – Is it easier to retire in Longmont?

    38:07 Question – Are people in Longmont busier?

    41:50 Soundcheck – Bears

    15 October 2024, 1:00 pm
  • 50 minutes 51 seconds
    The Crushing Cost of Conservative Retirement Planning with Jesse Cramer | MHFI 236

    Doug chats with Jesse Cramer from “The Best Interest” blog & podcast about retirement planning.  They discuss the impact of making overly conservative vs aggressive assumptions, exploring key factors such as investment returns, inflation, spending, tax rates, and social security.  Jesse highlights the importance of understanding personal risk tolerance, leveraging third-party advice, and continuous learning to make informed decisions about financial independence and retirement.

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    **Disclaimer: The podcast is for informational purposes. Maybe entertainment but we won’t even make such a claim. You shouldn’t take the info as financial, legal, or tax advice. We aren’t certified financial planners or advisors. We’re not qualified for much. So get advice from professionals.**

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    Email the show: [email protected]

    0:00 Introduction

    3:21 Transition from engineering to finance

    8:47 Conservative retirement planning

    12:55 Impact of conservative vs aggressive assumptions

    18:34 Social security & spending in retirement

    24:08 Healthcare expenses & how to make a plan

    30:20 Understanding the risks of investing

    35:52 Asset allocation & alternative investments

    42:54 Identifying blind spots

    8 October 2024, 1:00 pm
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