In this episode, exercise, sleep, nutrition, mind body activities, social relationships, heat and cold exposure.

This week we are joined by Dr. Bobby DuBois author and host of Live Long and Well podcast, where we will be discussing health optimization and wellness by deep diving into each of what he calls the 6 pillars: Exercise, Sleep, Nutrition, Mind-Body Work, Heat and Cold Exposure, and Social Relationships, while also providing some actionable takeaways you can do in order to live your healthiest life! The best part of the FI journey is you can create and live the life the way you want, but neglecting your physical and mental health may not allow you to thrive the way you want as you inevitably age. Taking the time and the space to prioritize your health, whether it be big or small, can make such a difference over time, and can ensure you’ll be living long into your retirement and well after!

• Website: drbobbylivelongandwell.com
• Website: Madrone Springs Ranch
• Podcast: Live Long and Well with Dr. Bobby

• Update: Healthiest Year Ever | Dean Turner | ChooseFI Ep 480
• The Matt Walker Podcast
• Yoga Nidra – Guided Meditation to Relax | 10min
• InsightTimer Deep Healing by davidji
• Subscribe to The FI Weekly!

• Top 10 Recommended Travel Rewards Credit Cards
• Empower: Free Dashboard to Track Your Finances
• CIT Bank Platinum Savings Account
• M1 Finance: Commission-Free Investing, 1-click rebalancing
• CashFreely: Maximize Your Cash Back Rewards
• Travel Freely: Track all your rewards cards and points
• Emergency Binder: For Your Family’s Essential Info (code ‘CHOOSEFI’ for 20% off)
• Student Loan Planner: Custom Consult (with $100 Discount)
• Get a cheaper phone plan with Mint Mobile

In this episode: full retirement age, earnings, spousal benefits, survivor benefits, filing for benefits, and the earnings test.

This week, Mike Piper joins the show to talk all things social security and answer listener questions that arose from our last social security related conversation back in episode 474! Whether it is discussing the full retirement age, discussing when to file for benefits, and different situations and their correlating differing types of benefits, Brad and Mike cover your burning questions so when the time comes you can catapult yourself into retirement confident and comfortably. While the topic of social security can often be confusing, being informed and prepared based on you and your families situation can make approaching it a lot less formidable, so listen along now to be ready down the line when it is your time to file!

Mike Piper:

• Website: opensocialsecurity.com
• Book: "Social Security Made Simple: Social Security Retirement Benefits and Related Planning Topics Explained in 100 Pages or Less" by Mike Piper

Resources Mentioned In Today’s Episode:

• Social Security Deep Dive | Denis Shapiro | ChooseFI Ep 474
• SSA.tools Social Security Calculator
• Why Are ETFs (Sometimes) More Tax-Efficient Than Mutual Funds?
• Subscribe to The FI Weekly!

• Top 10 Recommended Travel Rewards Credit Cards
• Empower: Free Dashboard to Track Your Finances
• CIT Bank Platinum Savings Account
• M1 Finance: Commission-Free Investing, 1-click rebalancing
• CashFreely: Maximize Your Cash Back Rewards
• Travel Freely: Track all your rewards cards and points
• Emergency Binder: For Your Family’s Essential Info (code ‘CHOOSEFI’ for 20% off)
• Student Loan Planner: Custom Consult (with $100 Discount)
• Get a cheaper phone plan with Mint Mobile

In this episode: roth versus traditional IRA, second generation FI, FI and newlyweds, and retirement planning optimization.

This week we are diving back into the listener Mail Bag with our returning guest Rachael Camp to answer questions from the community! Today we will be discussing the differences between Roth and Traditional IRAs and the future variables and factors you should consider, as well as discuss the new rules and considerations surrounding 529 plans and how to best financially plan when considering your children and your spouse. Listen along as YOU, the community, dictate the conversation with your hot-button FI questions!

• Website: rachaelcampwealth.com
• Twitter: @camp_wealth
• YouTube: @CampWealth
• Instagram: @campwealth

• Mailbag: Spending Down to Zero, High Fee 401(k), Mini Retirements | Rachael Camp | ChooseFI Ep 485
• Limits Of Tax Diversification And The Tax Alpha Of Roth Optimization
• Love, Loss, and Money: The Shocking Financial Aftermath of a FI Spouse’s Death | Amy | ChooseFI Ep 476
• Becoming Work Optional
• Subscribe to The FI Weekly!

• Top 10 Recommended Travel Rewards Credit Cards
• Empower: Free Dashboard to Track Your Finances
• CIT Bank Platinum Savings Account
• M1 Finance: Commission-Free Investing, 1-click rebalancing
• CashFreely: Maximize Your Cash Back Rewards
• Travel Freely: Track all your rewards cards and points
• Emergency Binder: For Your Family’s Essential Info (code ‘CHOOSEFI’ for 20% off)
• Student Loan Planner: Custom Consult (with $100 Discount)
• Get a cheaper phone plan with Mint Mobile

In this episode: doing everything but not at once, building your extraordinary life, optimizing your time, and what to do after FI.

This week we are joined by Alan and Katie Donogan as well as my guest co-host Ginger live from the Design Your Extraordinary Life Weekend event in Las Vegas, where we will be discussing their exercise of envisioning what an extraordinary life can look like in designated areas of your life, as well as learning how identify and overcome limiting beliefs that can hold you back from achieving your dream life. Reaching your FI goal can radically change your life and usher in new freedom, but it doesn’t necessarily mean all your problems go away. While you may be focused on taking actionable steps to to hit your FI number, it's just as important to take actionable steps to build and create the life you want to be living! By taking account of certain areas of your life and identifying the areas and mindsets that need to be changed in order to achieve your extraordinary life, you will not only be on track to living your best life on your FI journey, but continuing to live it well after you reach the finish line!

9 Life Snapshot Categories (Explained here.)

• Love and Relationships
• Career or Business or Mission
• Finances
• Physical Environment
• Friends and Family
• Fun, Adventure and Passion
• Health and Wellness
• Personal Growth and Development
• Spirituality

Alan and Katie Donegan:

• Website: alandonegan.com
• YouTube: The Donegans

Resources Mentioned In Today’s Episode:

• The Cure for the Boring Middle | Fioneers | ChooseFI Ep 472
• EconoME Conference
• "The Daily Stoic: 366 Meditations on Wisdom, Perseverance, and the Art of Living" by Ryan Holiday and Stephen Hanselman
• Viola and Dan’s YouTube Channel
• General Donegan update
• Subscribe to The FI Weekly!

• Top 10 Recommended Travel Rewards Credit Cards
• Empower: Free Dashboard to Track Your Finances
• CIT Bank Platinum Savings Account
• M1 Finance: Commission-Free Investing, 1-click rebalancing
• CashFreely: Maximize Your Cash Back Rewards
• Travel Freely: Track all your rewards cards and points
• Emergency Binder: For Your Family’s Essential Info (code ‘CHOOSEFI’ for 20% off)
• Student Loan Planner: Custom Consult (with $100 Discount)
• Get a cheaper phone plan with Mint Mobile

In this episode: RRTTLU, actual risk, actual return, balancing portfolios, understanding your timeline, taxes, and legal situations.

This week we are joined by Jesse Cramer of the “Best Interest" blog and podcast to discuss “RRTTLLU”, an acronym that provides a framework and guide of some of the factors one should consider when they start investing. While investing on your own can seem complex with many factors to consider such as your risk tolerance, the potential tax liabilities, and returns; being realistic about what you want to get out of your investment and what timeline you are on will only ensure your success. Considering some of these factors before you start investing can help you to choose your investments smartly, and give you the confidence and self-assurance for when changes or uncertainties come and go!

• Website: bestinterest.blog
• Podcast: The Best Interest Podcast

• Join ChooseFI’s Facebook Group!
• Investor Policy Statement | ChooseFI Ep 189
• Bucket Your Money
• The Safe Withdrawal Rate Series
• “Die With Zero: Getting All You Can from Your Money and Your Life” by Bill Perkins
• How to Access Your Retirement Accounts Before 59.5 | Sean Mullaney | ChooseFI Ep 475
• Answering Your Questions on How to Access Money Before 59.5 | ChooseFI Ep 491
• RRTTLLU: That’s Not a Typo, Investors
• Subscribe to The FI Weekly!

• Top 10 Recommended Travel Rewards Credit Cards
• Empower: Free Dashboard to Track Your Finances
• CIT Bank Platinum Savings Account
• M1 Finance: Commission-Free Investing, 1-click rebalancing
• CashFreely: Maximize Your Cash Back Rewards
• Travel Freely: Track all your rewards cards and points
• Emergency Binder: For Your Family’s Essential Info (code ‘CHOOSEFI’ for 20% off)
• Student Loan Planner: Custom Consult (with $100 Discount)
• Get a cheaper phone plan with Mint Mobile

In this episode: 72t, Roth 401k’s, Roth IRA’s, The Pro Rata Rule, PUQME, HSA’s, Retirement and Education, and Roth Conversions.

In one of our faster update episodes ever, friend of the show Sean Mullaney re-joins Brad to follow up on the episode we published back in February, “How to Access Your Retirement Accounts Before 59.5,” as well answer some of the questions our community had around the subject. We in the FI community know that retiring is an option way sooner than we were originally led to believe, so listen along as Brad and Sean shed some light on ways you could potentially access your retirement savings before facing the edge of your golden years.

• Website: fitaxguy.com
• Website: mullaneyfinancial.com
• Twitter: @SeanMoneyandTax
• YouTube: @SeanMullaneyVideos

• 1:05 – Introduction
• 1:58 – Optimizing for 72t
• 10:25 – Roth Conversions and Premium Tax Credits
• 22:21 – Roth 401k and Roth IRA
• 27:08 – The Pro-Rata Rule
• 36:17 – PUQME and HSA’s
• 45:39 – Using Retirement Withdrawals for Education
• 50:40 – The Rule of 55 and Solo 401k’s
• 55:11 – Marriage and Taxes
• 61:32 – IRA and Health Insurance Premiums
• 64:13 – Conclusion

• How to Access Your Retirement Accounts Before 59.5 | Sean Mullaney | ChooseFI Ep 475
• Forget About Money Podcast
• Accessing Retirement Accounts Prior To Age 59.5
• Do You Have a Hidden Roth IRA?
• Retirement topics: Exceptions to tax on early distributions
• Subscribe to The FI Weekly!

• Top 10 Recommended Travel Rewards Credit Cards
• Empower: Free Dashboard to Track Your Finances
• CIT Bank Platinum Savings Account
• M1 Finance: Commission-Free Investing, 1-click rebalancing
• CashFreely: Maximize Your Cash Back Rewards
• Travel Freely: Track all your rewards cards and points
• Emergency Binder: For Your Family’s Essential Info (code ‘CHOOSEFI’ for 20% off)
• Student Loan Planner: Custom Consult (with $100 Discount)
• Get a cheaper phone plan with Mint Mobile