Mile High FI Podcast

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.

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)
- Connect with Sean Mullaney
- The FI Tax Guy, “The Church IRA”
- Sean’s podcast appearances
- Sean Mullaney, “Solo 401(k): The Solopreneur’s Retirement Account”
  - Kindle
  - Paperback
- CampFI
- Amy on MHFI episode 160
- Carl Jensen
- MHFI Facebook group
- Doug’s site
- Check out Producer Chris’s new blog: Epic Financial Journey
—

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)
- Doug’s Instagram
- Connect with Dusti:
  - Instagram
  - Facebook
- Dusti on MHFI
- Mile High FI Facebook Group
- Barry Schwartz, “The Paradox of Choice”
  - Kindle
  - Hardcover
  - Paperback
  - Audiobook
- Eric Cooper discussing the 72T
  - BiggerPockets Money, “Dude ACTUALLY Withdraws From His 401(k) and Retires at 47”
  - Forget About Money, “Secret IRS Rule 72(t) Explained! | Eric Cooper Reveals Early Withdrawal Power Move!”
- Darren & Jolene on MHFI episode 228
- Doug’s site
- Check out Producer Chris’s new blog: Epic Financial Journey
—

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)
- Connect with Kristen
  - Email
  - FI Friends Travel website
- Kennel Enrichment Program (Humane Society)
- CampFI
- EconoMe Conference
- Eric Cooper discussing the 72T
  - BiggerPockets Money, “Dude ACTUALLY Withdraws From His 401(k) and Retires at 47”
  - Forget About Money, “Secret IRS Rule 72(t) Explained! | Eric Cooper Reveals Early Withdrawal Power Move!”
- ChooseFI Local Groups
- Bill Perkins, “Die With Zero”
  - Kindle
  - Hardcover
  - Paperback
  - Audiobook
- Mindy Jensen
- Carl Jensen
- Mark’s Money Mind Podcast
- Amberly Grant/FinTalks Cruise
- Doug’s site
- Check out Producer Chris’s new blog: Epic Financial Journey
—

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)
- Connect with Dusti:
  - Instagram
  - Facebook
- Dusti on MHFI
- Mile High FI Facebook Group
- EconoMe Conference
- Bill Perkins, “Die With Zero”
  - Kindle
  - Hardcover
  - Paperback
  - Audiobook
- ChooseFI Local Groups
- Doug’s site
- Check out Producer Chris’s new blog: Epic Financial Journey
—

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.

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 contribute to his retirement fund by providing support at Buy Me A Coffee.

Links
- Jesse Cramer, “The Best Interest”
- The Best Interest, “The Crushing Cost of Conservative Retirement Planning”
- Doug on “The Best Interest” podcast:
  - Apple Podcasts
  - Spotify
- FinCon
- Michael Kitces
- Jim Dahle/White Coat Investor
- The White Coat Investor, “Michael Kitces on the State of Financial Planning”
- ChooseFI
- Joel & Matt/How To Money
- Dave Ramsey
- MHFI Facebook group
- Doug’s site
- Check out Producer Chris’s new blog: Epic Financial Journey
—

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

3:21 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
46 minutes 15 seconds

So Long for Now. Carl is Leaving... | MHFI 235
Doug chats with Carl about his decision to leave the podcast to focus on wrapping up personal projects. Carl shares struggles with balancing podcast duties, fitness goals, burnout, and family obligations. He shares some regrets from his MHFI podcasting experience while also reflecting on his fondest memories. Doug talks about the future of the podcast and brainstorms how it may look going forward.

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 us find a replacement co-host by contributing to our candidate search fund at Buy Me A Coffee.

Links
—

Join the Mile High FI Club – It’s our 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

1500 Days, Carl’s Blog about Early Retirement

Email us here: [email protected] or [email protected]

0:00 Introduction

5:14 Carl’s busy schedule & buyer’s remorse

12:47 Fitness update & sleep issues

20:48 Production/promotion regrets

27:59 FI burnout

30:20 Positive/memorable moments

35:20 Future of the MHFI podcast

39:58 Goodbye for now

43:23 Soundcheck – Exaggerating length
1 October 2024, 1:00 pm
50 minutes 46 seconds

Recorded in Full Self Drive in Tesla Model Y | MHFI 234
Join Doug and Carl as they embark on a road trip in Carl’s Tesla Model Y. In this episode, they discuss the state of their podcast, upcoming exciting series on happiness, and their plans for book writing. (Sorry about the audio! Doug sounds horrible, first time recording like this so I hope next time it’ll be better…)

The duo shares their personal experiences, insights on podcast growth, and humorous tangents.

Support our sponsor: GhostBed! Save 50% site-wide on your new mattress, pillow, and bedding over at GhostBed.com/milehighfi (coupon code: MILEHIGHFI)

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 us buy enough Lazy Books to make it a New York Time’s best seller by supporting us at Buy Me A Coffee.

Links

(*Some affiliate links so we might earn a commission if you buy something)
- EconoMe Conference
- FinCon
- ChooseFI, “Deep Dive: Roth IRA Conversion Ladder | Ep 503”
- ChooseFI, “How and Why to Set up a Roth IRA Conversion Ladder”
- Brad Barrett/ChooseFI
- Jordan Grumet/Doc G, “The Purpose Code”
  - Kindle
  - Hardcover
- David Goggins, “Can’t Hurt Me”
  - Kindle
  - Hardcover
  - Paperback
  - Audiobook
- Stephen King, “You Like It Darker”
  - Kindle
  - Hardcover
  - Paperback
  - Audiobook
- Jeremy Schneider on MHFI episode 122
- Celeste Headlee, “Do Nothing”
  - Kindle
  - Hardcover
  - Paperback
  - Audiobook
- CampFI
- Pete Adeney/Mr. Money Mustache
- Mark Trautman
- MHFI Facebook group
- Doug’s site
- Carl’s blog: 1500 Days
—

Join the Mile High FI Club – It’s our 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

1500 Days, Carl’s Blog about Early Retirement
00:00 Introduction 01:27 Recording in the Tesla 03:10 Podcast Stats and Listener Questions 06:50 Promotional Ideas and Merchandise 10:22 Book Writing and Future Plans 23:37 Elizabeth’s Retirement Update 26:23 The Impact of Moving and Influences 27:06 Upcoming Trip to Breckenridge 28:37 Tickleball and Brisket Adventures 30:34 Sleep Issues and Solutions 34:30 Workout Routines and Rest 41:59 Vitamin D and Health Insights 46:57 Final Thoughts
24 September 2024, 1:00 pm
56 minutes 2 seconds

Navigating the Journey to FI: Real Estate, Retirement, and Financial De-Risking | MHFI 233
Doug and Carl answer questions from the Facebook mailbag.
- Akshay – I like the concept of giving money away, but I don’t want to die with zero. This is too close for comfort. I agree with helping out kids with their education, as long as they have skin in the game. I also agree with the idea of not wanting to wait until the end to pass your wealth onto your kids. It’s very much aligned with our life plans. However, I prefer to not die with zero, even though the book, by the same name, is nothing short of genius. Here’s why – say you give away all your money before you die and you need some or all of it back, you might need extra money based on your condition, health, other expenses for end of life, assisted living, etc
- Branden – More stories of people who did it without rental real estate!
- Angela – I’d like to hear about what to do in the last 5 years before retirement. Things like buffering HYSA, acquiring bonds (sell stocks or buy bonds outright?), health insurance, dental insurance, vision insurance, things I might want to consider before I quit my job.
- Jon – Withdrawal tactics – from index funds to short & medium term living expenses or keeping a high interest account, etc
- Chris – It’s been a little over 1 year since you & Mindy were on Ramit’s podcast. MHFI episode 167 provided a good recap where both of you discussed some changes you wanted to make. Can you provide an update and discuss any changes you actually made, what changes you still would like to make, and any challenges/struggles you’ve faced along the way?
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)

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

Feel bad that Carl STILL hasn’t installed those pesky door knobs? Support us at Buy Me A Coffee so he can afford to pay someone to install them.

Links

(*Some affiliate links so we might earn a commission if you buy something)
- MHFI Facebook group
- Bill Perkins, “Die With Zero”
  - Kindle
  - Hardcover
  - Paperback
  - Audiobook
- Darren & Jolene on MHFI episode 228
- Bob Haines on MHFI episode 210
- Pete Adeney/Mr. Money Mustache
- Brad Barrett/ChooseFI
- JL Collins, ““How I Lost Money in Real Estate Before It Was Fashionable”
- JL Collins on MHFI episode 201
- Arik Peterson on MHFI episode 90
- Eddie & Travis/Downshift Financial on MHFI episode 024
- Jeremy Schneider on MHFI episode 122
- Go Curry Cracker, “The Path to 100% Equities”
- Recap of Carl & Mindy’s interview with Ramit on MHFI episode 167
- EconoMe Conference
- Amberly Grant/FinTalks Cruise
- CampFI
- Tim Ferriss
- Doug’s site
- Carl’s blog: 1500 Days
—

Join the Mile High FI Club – It’s our 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

1500 Days, Carl’s Blog about Early Retirement

Email us here: [email protected] or [email protected]

0:00 Introduction

2:06 Question – Not dying with zero

6:01 Rental real estate

11:06 Question – Early retirement without real estate

16:13 Question – What to do 5 years before retirement?

23:14 Question – Withdrawal tactics

29:47 Question – Life since Ramit podcast

36:43 Carl’s future spending plans

42:21 Ramit’s advice not taken

46:45 Guitar aspirations

51:01 Soundcheck – A break from FI events?
17 September 2024, 1:00 pm
46 minutes 50 seconds

Consumerism Chaos: Car Prices, Fast Food Inflation, and Tipping Culture | MHFI 232
Doug and Carl chat about various aspects of consumerism including recent trends, rising costs, and the evolving culture of tipping. They discuss the rising cost of vehicle prices & financing, increasing cost of car insurance, the future of autonomous cars, and compare fast food & grocery costs over the last decade. They also delve into the confusing culture of tipping to debate proper etiquette and question when & how much to tip.

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)

Similar to autonomous vehicles, we believe the future of podcasting should be autonomous as well. Help us transition this show to AI & robots by supporting us at Buy Me A Coffee.

Links
—

Join the Mile High FI Club – It’s our 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

1500 Days, Carl’s Blog about Early Retirement

Email us here: [email protected] or [email protected]

0:00 Introduction

2:35 Car prices & payments

8:07 The future of autonomous cars

12:46 Increasing cost of car insurance

17:04 Rising fast food costs

23:38 Impact of inflation on food & grocery purchases

26:45 Tipping culture: confusion & controversy

31:21 Expansion of tipping into more & more locations

39:28 Soundcheck – Mini fitness updates
10 September 2024, 1:00 pm
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