Catching Up to FI

De: Bill Yount & Jackie Cummings Koski
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  • Resumen

  • A mindset, money, and life podcast for late starters catching up to Financial Independence.
    2024
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Economía Finanzas Personales
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Episodios
  • Wanderlust and Wealth: A Nomadic Guide to FI | Cris Gawlik | 101

    Wanderlust and Wealth: A Nomadic Guide to FI | Cris Gawlik | 101
    Oct 13 2024

    Cris Gawlik sold all her possessions in 2019 to travel the world, and in this episode she shares her fascinating nomadic journey. Learn how she utilizes geo-arbitrage, manages her finances on the go, and maintains strong social connections across the globe. She gives us insights into how she handles banking, health insurance, and taxes while living internationally. This conversation provides a comprehensive guide for those considering a similar path to financial independence. Get inspired by her creative approach to generating income and the community she finds along her adventurous journey.

    🔗Connect with us

    Buy CUtFI a coffee

    Record a message for CUtFI

    Thank you to our sponsor:

    DeleteMe: Your personal data is yours again

    Hands-free subscription service that removes you from data broker sites. Enter the code Catchingup at checkout to get 20% off: http://joindeleteme.com/catchingup

    Resources mentioned on the show: (As an Amazon Associate, I earn from qualifying purchases.)

    Website

    https://christinagawlik.wixsite.com/asuitcaseandasmile

    Facebook

    https://www.facebook.com/asuitcaseandasmile

    Linktree

    https://linktr.ee/ChristinaGawlik

    IRS Foreign earned income exclusion

    https://www.irs.gov/individuals/international-taxpayers/foreign-earned-income-exclusion

    🕒 Timestamps/Chapters:

    00:00 Why I Chose to Leave the U.S.

    00:38 Designing a Life Abroad

    02:18 Welcome to Catching Up to FI

    03:19 Introducing Dr. Christina Gawlik

    04:34 Chris's Nomadic Lifestyle

    08:01 Early Life and Influences

    13:47 Financial Missteps and Lessons Learned

    22:03 Transition to a Nomadic Life

    32:31 Building a Business on the Road40:10 Creative Job Hunting Strategies

    41:29 Navigating Logistics as a Digital Nomad

    41:52 Banking Tips for Global Travelers

    46:16 Overcoming Language Barriers

    48:16 Health Insurance and Medical Care Abroad

    57:48 Handling Taxes as an Expat

    59:32 Social Life and Loneliness

    01:02:50 Impact of COVID-19 on Nomadic Life

    01:06:12 Future Plans and Reflections

    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 h y 16 m
  • From Zero to Hero: A Late Starter’s Guide to the Galaxy | Becky Heptig | 100

    From Zero to Hero: A Late Starter’s Guide to the Galaxy | Becky Heptig | 100
    Oct 6 2024
    Subscribe and Watch on YouTube Join host Bill and guest Diana Falck as they explore the intersection of community resilience and getting involved. In the wake of a recent crisis in Western North Carolina and East Tennessee, the duo highlights local relief efforts and community collaboration. Then in this special 100th episode, we get back to the basics with a step-by-step guide for late starters on the path to financial independence. Our guest for this special episode is original Catching Up to FI co-host, Becky Heptig! She joins Bill and Jackie as they share insights and guide you through how to get on track with your finances. They not only share what to do but in what order. It’s hard starting late and feeling like you’ve done everything wrong. The good news is, there is time to catch up and this is the place to start. 🔗Connect with us Buy CUtFI a coffee Record a message for CUtFI Thank you to our sponsors: 💵 Abundo Wealth: Advice-Only Financial Planning for Everyone https://www.abundowealth.com ❌ DeleteMe: Your personal data is yours again http://joindeleteme.com/catchingup 🧑🏼‍🏫 Personal Finance Club (Use code CUTOFI to get $30 OFF) PFC courses https://courses.personalfinanceclub.com/?ref=0114d0 or PFC investing course only https://courses.personalfinanceclub.com/courses/build-wealth-by-investing-in-index-funds?ref=0114d0 🍑 Nectarine: Advice-Only Financial Advisors https://hellonectarine.com/r/cutfi (Catching Up to FI will be compensated by Nectarine if you use our affiliate link, which creates an incentive and conflict of interest. We are not current clients or employees of Nectarine.) 🏦 Boston Institute of Finance Personal Growth Track: Enter code catchingup to get 5% off any “Personal Growth Track” course or package http://www.bostonifi.com/personal-growth Resources mentioned on the show: (As an Amazon Associate, I earn from qualifying purchases.) Red Cross: Donate Episodes: Retiring Before Mom & Dad | Rob Berger | 25 A Hero’s Journey: The Mother of All Case Studies! | Krista and Ed Kim | 97 Enoughness: Your Life or Your Money | Vicki Robin | 95 Doña Quixote, Life Energy, and The Coming of Aging | Vicki Robin | 94 Catch-Up Contributions 📗Your Money or Your Life: 9 Steps to Transforming Your Relationship with Money and Achieving Financial Independence Shocking Simple Math Behind Early Retirement ~Mr. Money Mustache The Simple Path to Wealth: Your Road Map to Financial Independence and a Rich, Free Life ~JL Collins Ally High Yield Savings Account (4% as of 10/4/24 + $100 Bonus with direct deposit-by 12/31/22024) Personal Finance Club - example for late starters: https://www.personalfinanceclub.com/is-it-too-late-to-start-to-investing The Ultimate Investing Checklist: https://www.personalfinanceclub.com/the-ultimate-investing-checklist Ground Rules according to the Money Guys 2/1/24: https://moneyguy.com/article/foo 🕒 Timestamps/Chapters: 00:00 Call to Action: How You Can Help in the Disaster in North Carolina and Tennessee 05:28 Introduction 07:50 Celebrating 100 Episodes with Becky Heptig 10:52 Why People Get a Late Start in Financial Independence 17:16 Disadvantages of a Late Start 25:26 Advantages of a Late Start 38:01 Financial Order of Operations for Late Starters 44:57 Eliminating Debt: The First Step to Financial Freedom 45:57 Big Picture Wealth Building Strategies 47:27 Calculating Your Net Worth and FI Number 49:32 Increasing Income and Reducing Expenses 51:06 Playing Defense: Insurance and Protection 54:51 Offensive Strategies: Emergency Funds and Employer Matches 01:01:35 Investing Wisely: Roth IRAs, HSAs, and More 01:06:15 Risk Tolerance and Rebalancing Your Portfolio 01:10:02 Maximizing Employer Plans and Mid-Range Debts 01:12:55 Hyperaccumulation and Taxable Brokerage Accounts 01:16:06 Prepaying Future Expenses and College Funding 01:22:57 Reevaluating and Automating Your Financial Plan 01:27:09 Final Thoughts and Encouragement 🎧 Listen & Subscribe: Don't forget to subscribe to "Catching Up to FI" for more insightful episodes. Tap the bell icon 🔔 to get notified of new episodes! ✍🏻 Leave a Comment: Share your thoughts or experiences in the comments below. Have questions for our guests or the hosts? Drop them here, and we’ll get back to you! 👍🏻👍🏿 Like, Share, and Subscribe: If you enjoyed this episode, please like, share, and subscribe! Your support helps us bring more valuable content to you. 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 h y 28 m
  • Maximizing HSAs Part 2: Devising Drawdowns, Badass Scenarios & Listener Questions | Jeff York | 99

    Maximizing HSAs Part 2: Devising Drawdowns, Badass Scenarios & Listener Questions | Jeff York | 99
    Oct 1 2024
    In the second episode of this special two-part series we continue with our deep dive conversation about Health Savings Accounts (HSAs) with Bill and Jackie, and guest co-host, Jeff York (also known as the Wealthy Custodian from episode 74 & 76). We break down in-depth scenarios, including unique contribution rules for domestic partners and adult children, investment strategies, drawdown plans and estate planning considerations. We answer listener questions and share our wish list for HSAs in the future. For this episode we are providing a formal presentation here: PDF of Full HSA Presentation 🔗Connect with us Buy CUtFI a coffee Record a message for CUtFI Thank you to our sponsors: Abundo Wealth: Advice-Only Financial Planning for Everyone DeleteMe: Your personal data is yours again Personal Finance Club: Use code CUTOFI to get $30 OFF any course or PFC investing course only Nectarine: Advice-Only Financial Advisors (Catching Up to FI will be compensated by Nectarine if you use our affiliate link, which creates an incentive and conflict of interest. We are not current clients or employees of Nectarine.) Boston Institute of Finance Personal Growth Track: Enter code catchingup to get 5% off any “Personal Growth Track” course or package Resources mentioned on the show: (As an Amazon Associate, I earn from qualifying purchases.) HSA Rules and Regulations (IRS Pub#969) Qualified Medical/Dental/Vision Expenses (IRS Pub#502) Preventive Care and Chronic Conditions (IRS Notice) Morningstar / Best HSA Providers Kitces / HSA ‘Deathbed Drawdown’ Fidelity / HSA Education Wex Health / HDHP with HSA vs. traditional health plan calculator Consumer Friendly List of HSA-Eligible expenses 🕒 Time stamps: 00:00 Introduction to HSA Series Part Two 00:23 Maximizing HSA Contributions for Families 02:34 Drawdown Strategies for Health Savings Accounts 06:59 Planning for HSA Beneficiaries 14:55 Case Study: Domestic Partners and HSA Contributions 20:06 Q&A Session: HSA Myths, Tips, and Tricks 28:17 Evaluating HSA Options for Chronic Conditions 28:53 Financial Considerations for High Deductible Plans 29:54 Using Calculators to Compare Health Plans 31:25 HSA Contributions and Family Plans 33:18 Maximizing HSA Benefits and Investment Strategies 43:54 Legislative Changes and Future of HSAs 47:57 HSAs for Late Starters in Financial Independence 53:01 Conclusion and Final Thoughts 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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    56 m

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