Mile High FI Podcast

Doug and Carl talk to Stephen Baughier about a couple different topics - CampFI and cohousing.  Plus, new show sponsor - PeeRidica!

• CampFI: Origins, evolution, challenges, changes on the horizon, what attendees should expect, and tips for newcomers
• Cohousing: “An efficient neighborhood that builds community”, cohousing basics, Stephen’s specific project (EAGLE Cohousing) in Warner Robins, Georgia

Looking to buy a bottle of PeeRidica, but can't find it online or in-store anywhere?  Available exclusively at Buy Me A Coffee! Carl will be attending CampFI Southwest in Julian, CA on October 6-9, 2023.  For those interested in attending, use the coupon code JENSEN at checkout to save 10%.  https://campfi.org/event/campfi-southwest-2023/ Links

• CampFI
  • Events
  • YouTube Channel
  • Contact information
• Eagle Co-housing contact information
• Camp Mustache
• MHFI episodes recorded live at CampFI
  • Camp FI Rocky Mountain Panel 2021 | MHFI 015
  • Creating Camp FI with Stephen Baughier | MHFI 016
  • Live Q&A with Diania Merriam & Maggie Tucker at Camp FI Southeast | MHFI 068
  • CAMP FI Southeast LIVE Panel with Maggie Tucker | MHFI 072
  • Live Q&A at CampFI Southeast | MHFI 104
  • CampFI LIVE Week 1 | MHFI 175
  • CampFI LIVE Week 2 | MHFI 179
• Marla Taner
• CohoUS: A Community of Communities
• 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-shorts & 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: doug@milehighfi.com or carl@milehighfi.com 0:00 Introduction 5:27 CampFI origins & evolution 11:50 Breakout sessions 18:09 Challenges 27:00 What to expect/tips 34:56 Cohousing basics 40:26 Stephen’s cohousing project 54:56 Warner Robins 1:04:13 For those interested in cohousing 1:12:36 CampFI speakers

Doug and Carl answer a potpourri of audience questions at CampFI Rocky Mountain with help from meteorologist Kristen Knapp and frequent guest co-host/friend of the show Dusti Young.

• What is the biggest lifestyle or other changes that happen between $2.5 million, $5 million, $10 million invested, if any, assuming that you’re relatively frugal but love to travel?
• How do you move from a low-cost of living area to a high-cost of living area while pursuing FI?
• Are you more afraid of dying young or running out of money?
• Could you expound on the state of meteorology and more specifically why weather forecasts are wrong 97% of the time?
• What would you change about your finances right now?
• Is CampFI a cult?
• What are the most efficient tools to plan your FI path and to keep track of the development?
• What is your advice to fast-track pursuit of FI if real estate is not an option and index accumulation takes too long?
• If you were to start a podcast today, where would you start?
• What advice do you have to go from planning to taking action?
• How do you know you have enough money?
• Carl, do you feel you’ve changed after Ramit Sethi’s interview?
• If you could experience being any other person for 24 hours, who would you pick and why?
• How has your outlook on life changed in the past two years?
• Please address the meaning of life and whether humans have free will over the smell of their pee after eating asparagus?
• What is something you value but struggle or have hesitations spending on?
• What do you and your partner argue about?
• What kind of year has this been for you and what are you the proudest of?

Do you have a question that you want answered? If so, you can email us or head over to Buy Me A Coffee where you can also support the show. Carl will be attending CampFI Southwest in Julian, CA on October 6-9, 2023.  For those interested in attending, use the coupon code JENSEN at checkout to save 10%.  https://campfi.org/event/campfi-southwest-2023/ Links

• CampFI
• Jordan Grumet, Taking Stock
• Econome
• Wait But Why, The Tail End
• ChooseFI
• Tim Ferriss, Mr. Money Mustache episode
• Mark’s Money Mind
• New Retirement
• Empower (formerly Personal Capital)
• Chris Hutchins
• Carl & Mindy on Ramit Sethi’s podcast
• Carl & Mindy behind the scenes on MHFI
• FinTalks
• Connect with Kristen
• Connect with Dusti:
  • Instagram
  • Facebook
• 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-shorts & 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: doug@milehighfi.com or carl@milehighfi.com 0:00 Introduction 2:54 Lifestyle changes 8:16 Dying young vs. running out of money 16:56 Finance changes 22:18 Cult of FI 27:29 Fast-tracking FI 38:53 Enough money 46:38 Outlook on life 57:29 Proud moments

Doug and Dusti chat about a potpourri of topics.

• Credit card points - which cards Doug & Dusti each have, hoarding points
• Reflections on Carl & Mindy’s experience on Ramit Sethi’s podcast
• Cognitive biases - loss aversion, sunk cost, maximization (optimizing) vs. satisficing
• Having a hard time saying NO

Come support the show at Buy Me A Coffee.  If you're like Doug & Dusti, we bet you'll have a hard time saying NO! Carl will be attending CampFI Southwest in Julian, CA on October 6-9, 2023.  For those interested in attending, use the coupon code JENSEN at checkout to save 10%.  https://campfi.org/event/campfi-southwest-2023/ Links

• ChooseFI Travel Rewards
• Steven Keys (Trip of a Lifestyle) on The Doug Show
• Carl & Mindy on Ramit Sethi’s podcast
• Carl & Mindy behind the scenes on MHFI
• Barry Schwartz, Paradox of Choice
• Logan Ury, How to Not Die Alone
• Derek Sivers, Hell Yeah or No
• SideDish podcast
• Connect with Dusti:
  • Instagram
  • Facebook
• 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-shorts & 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: doug@milehighfi.com or carl@milehighfi.com 0:00 Introduction 7:23 Credit card points 19:24 Carl & Mindy & Ramit 26:27 Loss aversion 36:56 Sunk cost 38:55 Maximization 45:25 Just say NO 59:11 Soundcheck - Go-karting

Doug and Carl answer mailbag questions in this Taylor Swift-infused episode from Leadville, CO.  Carl also announces the new Mile High FI Facebook group.

• Does it ever get any easier to ride the market swings mentally?
• How would you reallocate your investments if there were no tax implications?
• What did Doug’s (and Carl’s) parents do right?
• Do you wish you had taken a gap year or had a little more fun when you were young?
• Experiences at CampFI?
• Thoughts on imposter syndrome?

Do you love us as much as we love Taylor Swift? If so, head on over to Buy Me A Coffee to join other Swifties in supporting the show. Carl will be attending CampFI Southwest in Julian, CA on October 6-9, 2023.  For those interested in attending, use the coupon code JENSEN at checkout to save 10%.  https://campfi.org/event/campfi-southwest-2023/ Links

• Brian Feroldi
• Mile High FI Facebook group
• CampFI
• NoCo Mustachians
• FinTalks
• 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-shorts & 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: doug@milehighfi.com or carl@milehighfi.com 0:00 Introduction 3:18 Taylor Swift 9:41 Market swings 17:34 Investment reallocation 23:50 Parental influence 27:42 Gap years 35:06 CampFI 44:45 Imposter syndrome 54:42 Calls to action 1:02:29 Soundcheck - Leadville

Brandon, the Mad Fientist, has changed his view on FIRE and spending over the years. This is a rebroadcast of the interview from early 2022, and there is a new introduction in the first few minutes. Bradon has been on a bunch of podcasts in the last few months, and he's embracing spending. So you might have heard Brandon on Choose FI, Bigger Pockets Money, or his own podcast talking to Ramit Sethi about spending more and trying to be less frugal. So it's cool to hear how he has changed his views over time. - Carl and Brandon reminisce about their first meeting almost 10 years ago! - Discovering JD Roth and FIRE - Mad Fientist: new features coming soon to the FI Laboratory - How to spend money or not (The Switzerland Incident) - Michelin 3 star restaurants versus Taco Bell - Where is the FIRE movement going? - Why the Mad Fientist loves routines - For the love of coding Links

• Mad Fientist - Financial Independence and Early Retirement
• Mad Fientist's Music
• Travel Credit Cards
• Get Rich Slowly - Personal finance that makes sense
• The Escape Artist
• Mr. Money Mustache

-- Join the Mile High FI Club – It’s our email list! Get MHFi Merch – It helps support the show. Get t-shorts & 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: doug@milehighfi.com or carl@milehighfi.com

Doug and Carl answer a potpourri of audience questions at CampFI Rocky Mountain with help from Becky Heptig (Catching up to FI) and Mark Trautman (Mark’s Money Mind).

• Best place to invest money in today’s environment?
• Best budget travel places?
• How to find your niche in the podcast world?
• What is a failure you experienced?
• What caused dinosaurs to become extinct?
• At what point in a relationship do you start having financial conversations?
• What’s better - increasing income or decreasing expenses?
• Who should pay for the first date?
• How to date while FI?
• What sets your podcast apart?
• What do you wish for your podcast audience to do better?
• How do you keep your podcast from becoming an echo chamber?
• Best first credit card?
• Who has experience with whole life insurance/infinite banking?
• Where can I find a financially independent man/partner?
• Withdrawal frequency with 4% rule?
• What would you improve about the FI community?
• What’s the craziest financial mistake you’ve seen someone make?
• Best type of property to invest in?
• What was the pivotal moment in your FI journey?
• Is FI a fad or does it have staying power?
• What is the best way to increase your rental income?
• Adding children to parents’ insurance policy?

Do you have a question that you want answered? If so, you can email us or head over to Buy Me A Coffee where you can also support the show. Links

• CampFI
• Catching up to FI
• Mark’s Money Mind
• Mr. Money Mustache
• ChooseFI
• Jacob Lund Fisker
• Ramit Sethi
• Econome
• FI Freedom Retreat
• 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-shorts & 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: doug@milehighfi.com or carl@milehighfi.com 0:00 Introduction 2:05 Budget travel 9:36 Finances in relationships & dating 16:00 Podcast questions 23:33 FI community improvements 30:53 Is FI a fad? 38:30 Mark’s fun bucket

Doug and Amberly chat about key tenants of Financial Independence, shifts in the community over the years, and how each of them have “failed” in different FI-related areas (along with some successes).  Amberly also shares details of an upcoming FI cruise!

• Change in FI philosophy from a focus on saving to spending & living a fulfilling life.
• Doug & Amberly’s FI failures: credit card points/travel rewards, budgeting & tracking expenses, 4% rule, optimizing contributions to retirement accounts, savings rate, frugality, whole life insurance, house hacking, college degrees, travel, buying a new home,
• Success with mindful consumption
• Amberly’s experience with CNBC & dealing with early retirement critics

Trying to maintain your FI Membership Card? One way to do this is by supporting us at Buy Me A Coffee.  (Disclaimer: No actual membership card will be provided) Links

• Mad Fientist
• ChooseFI Travel Rewards
• The Fioneers
• Mark’s Money Mind
• Fincon
• Amberly on CNBC
• Doug’s site
• Carl’s blog: 1500 Days

Connect with Amberly Grant!

• AmberlyGrant.com
• FinTalks
• Instagram
• Facebook

-- Join the Mile High FI Club – It’s our email list! Get MHFi Merch – It helps support the show. Get t-shorts & 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: doug@milehighfi.com or carl@milehighfi.com 0:00 Introduction 1:56 FinTalks cruise 7:57 Shifts in the FIRE community 14:52 Failure #1: Travel rewards 22:42 Failure #2: Budgeting & expense tracking 35:38 Failure #3: 4% rule 38:37 Failure #4: Optimizing retirement contributions 46:15 Failure #5: Savings rate 48:25 Failure #6: Frugality 1:00:40 Misc failures & mindful consumption 1:09:35 Criticism of early retirement 1:18:20 Soundcheck - Hot sauce

Doug and Carl talk to Chris Hutchins about life hacks, optimization, and key takeaways/changes driven by the book “Die with Zero”.  Chris also discusses his podcast “All the Hacks” and his plans to further evolve the brand.

• Chris’s passion for digging deep into content that interests him
• Taking “All the Hacks” from not only a podcast, but to a platform that builds community through a membership program (dubbed the “AAA for our generation")
• Misconceptions about life hacks - looking for shortcuts vs. putting in the work for better outcomes
• “Die with Zero” takeaways - maximizing life vs. net worth, time bucketing, providing inheritances before death

One of the best hacks is supporting Mile High FI.  Come on over to Buy Me A Coffee to start optimizing your life today! Links

• Chris Hutchins:
  • All the Hacks
  • All the Hacks Membership
  • Bill Perkins episode
  • Arthur Brooks episode
• Ramit Sethi
• Tim Ferriss
• Playing with Fire movie
• Rich Roll, Why You Shouldn’t Hack Your Life
• Bill Perkins, Die With Zero
• Trust & Will
• 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-shorts & 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: doug@milehighfi.com or carl@milehighfi.com 0:00 Introduction 1:49 Ramit Sethi 7:18 Building the podcast 14:34 Chris’s origin story 24:22 Optimization failures 33:24 “Die With Zero” takeaways 44:48 Estate planning 50:09 Chris’s favorite episode & hack

Inspired by the book Die With Zero, Doug and Dusti discuss buckets lists & time buckets and provide personal examples/goals from their own lives.

• Definition of bucket lists and time buckets
• Doug & Dusti’s backgrounds, life expectations, goals, and personal time buckets by decade.
• Bucket planning - with a partner vs. alone, need for flexibility

Is supporting Mile High FI on your bucket list? If so, head on over to Buy Me A Coffee. Links

• Bill Perkins, Die With Zero
• Stanford Definition of Bucket List
• Business Insider Definition of Time Buckets
• Peter Attia, Outlive
• Leckerlee Cookies
• Oliver Burkeman, Four Thousand Weeks
• Thom Lafond
• Connect with Dusti:
  • Instagram
  • Facebook
• 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-shorts & 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: doug@milehighfi.com or carl@milehighfi.com 0:00 Introduction 7:01 Bucket lists 15:38 Time buckets 21:17 Doug & Dusti’s background/life expectations 34:14 Impact of activity & fitness 45:00 What’s in Doug & Dusti’s time buckets 55:43 Planning 1:06:35 Soundcheck - Dancing Doug

Doug and Carl talk about a case study submitted by New Jersey Steve! It turns out that Steve is doing really well, but could still use some gentle nudges.

• Steve’s money situation (he’s doing really well!)
• Should Steve take the new job?
• Identity and purpose after leaving work
• Leaving money on the table

Do you love Mile High FI? Support us over at Buy Me A Coffee. It’s the right thing to do. Don’t wait, act now! Links

• Doc G’s book: Taking Stock
• Nate Bargatze - Worst time traveler
• 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-shorts & 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: doug@milehighfi.com or carl@milehighfi.com 0:00 Introduction 1:23 TV show recommendations 8:49 Steve’s questions & initial analysis 14:02 Identity crisis 24:54 Squandering opportunities 33:32 How to make a decision 38:05 Value of time vs. money 43:17 Final thoughts 48:56 Soundcheck - Egyptologist

Carl was harassed by a YouTube troll. Now, he wants to know how to deal with insults. Doug is immune from criticism, so Carl asked him about his stoic ways.

• Carl tells the story of the troll
• Does Doug consider himself to be stoic?
• You don’t matter
• The traffic situation that makes Doug mad

Do you love Mile High FI? I hope so because we love you. We really do. Show us your love by supporting us: Buy Me A Coffee. Links

• Jocko podcast: Are the insults about you true?
• Mr. Money Mustache on BiggerPockets Money
• Derek Sivers
• 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-shorts & 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: doug@milehighfi.com or carl@milehighfi.com 0:00 Introduction 1:10 Whiskey 8:34 Doug’s Stoicism journey 15:16 Handling criticism 24:33 Letting go of stress & anxiety 32:46 External validation 39:27 Carl’s Stoic aspirations 44:33 Lowering stress by doing less 52:45 Soundcheck - Writer’s retreat

Doug and Carl talk about Craig’s money situation.

• 4% Rule. Yet again.
• Craig is KILLING it. He REALLY needs to quit.
• Navigating the ACA.
• What to do with yourself in retirement.

Do you want to support Mile High FI? Yes? Great, that's what we were hoping to hear! Come on over to Buy Me A Coffee. Links

• Die With Zero
• Arik Peterson
• Health insurance: Carl and Mindy used this free service to find an ACA plan. It worked great! The service gets paid by the insurance company for the referral.
• 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-shorts & 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: doug@milehighfi.com or carl@milehighfi.com 0:00 Introduction 1:28 Lazy book ideas 9:20 Craig’s questions & initial analysis 16:55 Die With Zero 26:22 Healthcare 30:12 How to fill the time 39:38 Final advice 46:25 Soundcheck - Hydration

Living in a van down by the river used to be for the destitute. Now, all of the cool kids are doing it. Doug and Carl talk about van life with Teri Slater, a Longmont local and friend. Teri is a financial expert with a remarkable story. She got out of 200K in debt, having some very difficult conversations along the way with a spendy partner. Now, she’s building a van to begin the next journey of her life.

• Getting out of big debt
• Choosing a van
• Van conversions
• Road trips
• Starlink satellite internet
• Eating healthy on the road
• Full costs revealed

Do you think that Mile High FI is a great listen? Well then, support us! It’s quick and easy over at Buy Me A Coffee. Links

• Teri’s Instagram
• Van Life Academy
• Harvest Hosts
• Boondockers Welcome
• Trusted Housesitters
• 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-shorts & 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: doug@milehighfi.com or carl@milehighfi.com 0:00 Introduction 1:25 Intro to Teri Slater 5:11 Getting out of debt 9:49 Van build out 20:50 Planning where to go 25:39 Starlink 31:58 Daily routine & organization 36:57 Eating on the road 40:43 Van life expenses 48:50 Reflections & perfect day 54:10 Soundcheck - Omaha

Carl and Mindy were on Ramit Sethi’s podcast. Why? How? When? Doug gets answers.

• Why do this?
• What was the experience like?
• Stop using the word “optimization!”
• Surprising advice
• Changes

Do you think that Mile High FI is a great listen? Well then, support us! It’s quick and easy over at Buy Me A Coffee.   Links

• I Will Teach You To Be Rich Episode 108: “We achieved FIRE with $4.3M. Why can’t we enjoy it?”
• Ramit on Mad FIentist
• Support Mile High FI
• Doug’s site - Check out the NEW Sleep Post.
• 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-shorts & 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: doug@milehighfi.com or carl@milehighfi.com 0:00 Introduction 1:51 Why go on Ramit’s podcast? 6:15 What the experience was like 13:40 Issues to solve 19:37 Key takeaways 27:38 Small steps towards change 35:46 “Die With Zero” criticism 42:08 Impact of the interview 50:30 Podcast takeaways & tips 56:40 Cleaning 1:02:20 Soundcheck - Costco grand opening

Doug and his co-host Amberly chat with Chen-Chen Huo, co-founder of a banking startup called Nexus. Chen-Chen has a very interesting path as an entrepreneur, working first in the mac & cheese business before moving into fintech.  Nexus has some cool, disruptive ideas, such as providing users the ability to invest their full balance to earn market returns, with the idea that your bank account should be earning money for you and not the bank.

• Choosing entrepreneurship vs. a safer route
• Risk avoidance/risk tolerance
• What enabled risk-taking & runway for growing a business
• Building a good team
• Goals at Nexus and how it works
• And of course, Mac & Cheese

Support us over at Buy Me a Coffee. Everyone else is doing it, we think you should too! Links  

• Nexus
• Nexus on TikTok
• Nekus on Instagram
• Econome
• Doug’s site
• Carl’s blog: 1500 Days

Connect with Amberly Grant!

• AmberlyGrant.com
• FinTalks
• Instagram
• Amberly on Facebook

-- Join the Mile High FI Club – It’s our email list! Get MHFi Merch – It helps support the show. Get t-shorts & 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: doug@milehighfi.com or carl@milehighfi.com 0:00 Introduction 1:20 Build-your-own mac & cheese (MAC’D) 7:19 Amberly & Chen-Chen at Econome 13:47 Chen-Chen’s financial upbringing 20:07 Entrepreneurship & risk-taking 28:57 Nexus - revolutionizing banking 34:54 Comparing food industry vs. fintech 41:11 Building a good team 46:02 Accountability 50:25 How Nexus operates

Doug and Carl talk to Kyle Landis-Marinello about the (mostly financial) mistakes each of them have made.

• Kyle recounts an interview gone bad and learning about personal finance/financial independence late in life
• Carl’s scarcity mindset, not spending enough, not taking much time off, and selling Apple stock to fund a real estate purchase
• Doug describes a house purchase and subsequent foreclosure
• Other mistakes: Miscalculating student loan repayments, stopping contributions to retirement accounts in down markets, analysis paralysis

Do you love Mile High FI? Do you loathe Mile High FI?  Regardless of your feelings, set those aside and support us over at Buy Me a Coffee. Links

• Kyle on MHFI Episode 76
• Kyle's website
• Kyle's book: Personal Finance and Investing
• 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-shorts & 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: doug@milehighfi.com or carl@milehighfi.com 0:00 Introduction 2:37 Reintroduction to Kyle Landis-Marinello 9:08 Kyle’s mistake #1 - Faulty pants 14:13 Kyle’s mistake #2 - Learning about money late 21:06 Carl’s mistake #1 - Not spending 25:33 Carl’s mistake #2 - Selling Apple 29:56 Doug’s mistake - Buying a house 43:12 Kyle’s mistake #3 - Student loans 47:29 Other mistakes 53:10 Soundcheck - Fashion Advice

Doug and Carl talk about the shift from saving to spending in retirement. In part 4, they review listener feedback.

• Shane talks about how he spent 50% more than planned; and loved it!
• Darren and Jolene talk about the difficulty in spending
• Anonymous suggests bond ladders as a way to cover retirement spending
• Mark talks about the Fun Bucket

Do you love Mile High FI? Support us over at Buy Me a Coffee. It’s the right thing to do. Don’t wait, act now! Links

• Mark’s Money Mind
• Do Nothing
• Peter Attia
• Michael Kitces
• Doug’s site - Check out the NEW Sleep Post.
• 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-shorts & 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: doug@milehighfi.com or carl@milehighfi.com 0:00 Introduction 1:20 Bidets 8:56 Comments from Shane - pre & post-FI spending 15:33 Comments from Darren & Jolene - spending flexibility 21:27 Future employment 25:18 Comments from Anonymous - bond ladders 28:06 Doing less 35:59 Comments from Mark - fun bucket 42:43 New Tesla 48:28 Soundcheck - The Gym

Doug and Carl talk about the shift from saving to spending in retirement. It’s not always easy to go from being a big saver to a big spender. Or even a little spender.

• Budgets in retirement
• The importance of experiences
• The Splurge Fund

Do you love Mile High FI? Support us over at Buy Me A Coffee. Do you really love Mile High FI? Buy us 500 Coffees! Do you really love us, buy us a helicopter and a couple of flight lessons! Links

• ChatGPT
• The Paradox of Choice
• NoCo Mustachian Meetup
• Carl’s very big purchase
• Die With Zero
• Doug’s site - Check out the NEW Sleep Post.
• 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-shorts & 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: doug@milehighfi.com or carl@milehighfi.com 0:00 Introduction 1:22 New acquisitions 8:31 How often Carl & Doug review finances 18:38 Doug’s budget & expense tracking 24:53 Buying more time 29:21 Prioritizing experiences, health, quality of life 38:33 Happiness 48:05 Splurging 56:06 Don’t try to optimize 1:01:06 Support the show 1:05:51 Soundcheck - Carl & Mindy’s guest appearance

Doug and Carl talk about the shift from saving to spending in retirement. It’s not always easy to go from being a big save to a big spender. Or even a little spender.

• Why do early retirees feel guilty about spending?
• Societal expectations
• Finding balance

Do you love Mile High FI? Of course you do. Show us the love by supporting us over at Buy Me a Coffee. Links

• Ramit Sethi
• Downshift Financial
• Doug’s site - Check out the NEW Sleep Post.
• 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-shorts & 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: doug@milehighfi.com or carl@milehighfi.com 0:00 Introduction 1:12 Psychology of frugality & guilt 6:22 Pivoting to spending more 11:04 Tips & strategies for spending 15:30 Spending in retirement 25:12 Happiness & community 30:36 New branded products coming soon 36:22 Financial flexibility 39:28 Creating a retirement budget vs. actual spending 47:32 Questions for listeners/viewers 51:07 Soundcheck - Simple food stories

Doug and Carl talk about the shift from saving to spending in retirement. It’s not always easy to go from being a big save to a big spender. Or even a little spender.

• To DIY or not to DIY; Carl’s landscaping adventures
• Why it’s difficult to shift from saving to spending
• Happiness shouldn’t wait for retirement
• Why are we afraid of running out of money?
• The 4% Rule. Again.

Do you love Mile High FI? Support us over at Buy Me A Coffee. Do you really love Mile High FI? Buy Us 500 Coffees! Do you really love us, buy us a helicopter and a couple of flight lessons! Links 

• Sean Mullany on Mile High FI
• EconoMe
• Carl’s very big purchase
• Die With Zero
• Doug’s site - Check out the NEW Sleep Post.
• 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-shorts & 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: doug@milehighfi.com or carl@milehighfi.com 0:00 Intro 3:53 A small correction from a viewer 6:51 We have a book idea! 8:43 Being accustomed to saving 13:12 Carl's purchases and DIY projects 22:11 From saving to spending 32:44 Buying what makes you happy 37:48 Changing habits 38:58 Two things 41:14 Our new product announcement 43:00 Fear of running out of money 56:43 How you can support us 58:56 Developing a healthy relationship with money 1:01:31 Soundcheck

Doug and Carl talk to Longmont friend Amy about the death of her husband Phil and the aftermath of dying without a will. - Phil’s death - How Colorado treats your estate without a will (intestate succession) - Specify your beneficiaries. Now! - Wait, who gets Phil’s money? - Family fallout - Actions you need to take   --

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

**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: doug@milehighfi.com or carl@milehighfi.com 0:00 Intro 2:30 Amy's husband's death 10:15 Not having a will in Colorado 16:29 Are parents entitled to the money of a deceased spouse? 25:55 Laws 27:12 Doug's thoughts 27:58 A spouse is our primary person 29:00 Amy's legal process 32:05 Feelings of betrayal 36:11 How to avoid situations like this 38:44 Setting up a trust 41:07 Doug's will 42:00 Why a trust is better than a will 45:15 Losing relationships along the way 49:40 Amy's socials 52:20 Soundcheck

Doug and Carl talk to Amy Minkley, founder of FI Freedom Retreats and all around stellar human.

• Discovering FIRE
• How a chaotic childhood shaped Amy’s money views
• Studying History at university
• Moving to Asia to teach ESL
• Overworking to feel worthy
• Job induced depression
• The incredible benefits of mini-retirements
• Two More Year Syndrome
• Traveling with purpose
• FartFIRE

Do you think that Mile High FI is a spiffy listen? Don’t lie, we know you do. Why else would you be reading this? Well maybe you’re here to leave a nasty comment. Don’t do it. Be the better person! Anyway, since you think we’re spiffy, please consider supporting us over at Buy Me A Coffee. Links

• FI Freedom Retreat
• Facebook page
• Facebook event
• Support Mile High FI: Buy Me A Coffee
• Amy’s Journey to FI on YouTube
• Choose FI
• EconoMe
• Doug’s site - Check out the NEW Sleep Post.
• 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-shorts & 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: doug@milehighfi.com or carl@milehighfi.com 0:00 Intro 1:03 How Amy discovered FIRE 5:00 Growing up 8:58 University 14:38 Living abroad 17:10 Are gap years mini-retirements? 22:29 Finding community 28:25 Amy's first FI retreat 30:51 The One Year syndrome 36:16 Amy's FI Freedom retreat 38:30 Making friends 40:51 The perfect day 43:58 Where you can find Amy 47:19 Soundcheck

Doug and Carl catch up. They chat about the following topics:

• Carl’s home improvement adventures
• Doug deletes a show
• Carl’s travel plans
• Doug gets into ChatGPT
• Being alone

Links

• Support Mile High FI: Buy Me A Coffee
• Doug’s site - Check out the NEW Sleep Post.
• 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-shorts & 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: doug@milehighfi.com or carl@milehighfi.com 0:00 Intro 1:33 What's Doug been up to 4:06 Getting creative 6:45 Carl's house updates 12:53 Doug's passion for ChatGPT 21:09 Carl's travel plans 25:50 Doug's home alone (with his dog!) 30:45 Trying to drink less 34:50 Carl's retiring for real 35:53 How you can support us 37:33 Soundcheck

Doug and Carl talk about different flavors of FI, traditional, Coast FI, Slow FI, and FartFIRE.

• New sponsor! Carl’s Quick Hardening Caulk
• Traditional FI
• Slow FI
• Coast FI
• FartFIRE

Do you love Mile High FI? Support us over at Buy Me A Coffee. Do you really love Mile High FI? Buy Us Two Coffees! Do you hate Mile High FI? Carl hates coffee so buy him 10! Links

• Support Mile High FI: Buy Me A Coffee
• FIoneers on Mile High FI
• Doug’s site - Check out the NEW Sleep Post.
• 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-shorts & 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: doug@milehighfi.com or carl@milehighfi.com 0:00 Intro 5:23 How you can support us 7:03 Different types of FIRE 8:16 Carl's journey from tech to FI 11:50 Doug's journey to FI 15:00 Quiet quitting is real 17:47 Life before and after FIRE 21:25 What is Slow FI? 23:07 What if Carl had done Slow FI? 28:25 Disadvantages of Slow FI 30:16 What is Coast FI? 32:53 Investing into retirement and post-tax accounts 35:48 Pros and cons of Coast FI 39:49 Fart FIRE 46:38 Happiness

Doug and Dusti are back for Part 2 on cognitive biases and how they shape our financial decisions.

• How a scarcity mindset can hold you back
• Desire to be like everyone else
• Decision paralysis
• Default bias
• Holding onto bad investments
• Are we more motivated when we're close to reaching a goal?

Do you love Mile High FI? Support us over at Buy Me A Coffee. Do you really love Mile High FI? Buy Us Two Coffees! and we’ll quit! You win either way! Links

• Connect with Dusti on Instagram
• Doug’s site - Check out the NEW Sleep Post.

--

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

Get MHFi Merch – It helps support the show. Get t-shorts & 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: doug@milehighfi.com or carl@milehighfi.com 0:00 Intro 2:50 Having a scarcity mindset 8:14 The ''what the hell'' effect 13: 35 Social proof and the desire to be like other people 19:08 The cost of friction and decision paralysis 25:34 Default bias 37:20 Why we hold on to bad investments 45: 18 Getting more motivated at the finish line 55:12 Our favorite desserts

Doug and Carl talk about the bad parts of the FIRE movement.

• Cheap people
• Dogmatic approaches
• How the mainstream media writes about FIRE
• Lack of nuance (must we discuss the fv^%ing 4% Rule again?)
• It’s OK to work

From the listeners

• Living off $40,000/year isn’t realistic
• Credit card hacking isn’t for everyone

Do you love Mile High FI? Support us over at Buy Me A Coffee. Do you really love Mile High FI? Buy Us Two Coffees! and we’ll quit! You win either way! Links

• Support Mile High FI: Buy Me A Coffee
• Doug’s site - Check out the NEW Sleep Post.
• 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-shorts & 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: doug@milehighfi.com or carl@milehighfi.com 0:00 Intro 4:30 Mr. Mustache HQ - What's new? 7:50 Doug's health updates 10:38 How you can support us 14:25 Carl's number one issue with FIRE 22:31 Applying a dogmatic approach to FI 28:00 Is having a job necessarily bad? 36:20 Paying attention to details 39:04 Portrayal of FIRE in the media 43:20 The 4% rule (again) 50:30 Annoying things FI people do 53:43 Courses 59:04 Can you live on 400k a year? 1:01:09 Credit card rewards 1:02:50 Teaching teenagers a FIRE mindset 1:04:26 Shifting into decumulation 1:07:26 The ''Spending is bad'' mindset

Doug and Amberly chat about what they've been up to lately and answer some intriguing real estate questions. Advice for beginners

• Creative buying strategies
• Managing a property
• Responding to inquiries
• Should pets be allowed on properties?
• Real estate books suggestions

Do you love Mile High FI? Support us over at Buy Me A Coffee. Is “love” too strong of a word? Good news! You can still support us. Links

• Whole Life News (get the back story here: Setting Up Wills and Trusts - MHFI 147
• Contributing to a retirement account: MHFI 062

Connect with Amberly Grant!

• AmberlyGrant.com
• FinTalks
• Instagram
• Amberly on Facebook

--

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

Get MHFi Merch – It helps support the show. Get t-shorts & 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: doug@milehighfi.com or carl@milehighfi.com 0:00 Intro 1:30 What's Amberly been up to 10:30 Doug's whole life insurance policy 23:47 Deciding on a number of properties 27:15 Aversions for building up a rental property 30:36 What would Amberly do differently in her real estate journey 33:44 The MOST important advice for beginners 34:04 Where to obtain a rental application 35:05 Creative buying strategies 37:37 Property management 38:54 Maintenance requests 39:53 Should animals be allowed on a property? 41:24 Real estate investing books 41:58 What Amberly is currently investing in

Doug and Carl talk to Longmontian Justin Robbins about how to broach the subject of FIRE with other humans (and if it’s even a good idea)! Background

• Childhood
• How Justin turned getting laid off into a great experience
• Discovering FIRE

Telling non-FIRE people about FIRE

• Carl is a FIsplainer
• How Justin quit his job
• Why are American identities so tied up in work?
• Is FIRE a cult? And will it ever be mainstream?
• Justin’s biggest challenge in retirement
• Why Carl thinks FIRE is the best life hack ever

Do you love Mile High FI? Support us over at Buy Me A Coffee. Is “love” too strong of a word? Good news! You can still support us. Links

• Justin's Instagram
• Justin's Youtube Channel
• Justin's TikTok
• Justin's Twitter
• Longmont's Tower of Compassion
• Doug’s site - Check out the NEW Sleep Post.
• 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-shorts & 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: doug@milehighfi.com or carl@milehighfi.com 0:00 Intro 2:17 Justin's background 8:17 Discovering the FIRE movement 15:15 Thoughts on retirement and going back to work 19:17 The importance of having a supportive partner 22:23 Telling non-FIRE people about FIRE 24:31 Misunderstanding FI 26:32 The ''What do you do for work?'' question 32:18 Should we bother telling other people about FIRE? 36:59 Is the FIRE community a cult? 38:20 Why FI will never be mainstream 43:45 Advice for approaching early retirement 45:36 Exercising your mind 47:00 Hiking 49:54 The impact of inflation on early retirement 53:51 Lessons and challenges 59:21 Why FIRE is the best life hack 1:03:36 The perfect day 1:05:31 Where to find Justin on social media

Doug and Amberly are back for another Mail Bag episode!

They answer your questions on a range of topics:

• Funding children's college education
• Hiring a (financial) coach
• To have or not to have kids
• Renting vs nomadic living
• Starting a landlord journey
• Should I max out my 401k or buy a house?

As a bonus, our hosts reflect on their personal goals by writing a letter to their future selves.

Links

• Free Link to ChatGPT Cheatsheet
• Video on ChatGPT to Descript
• ChatGPT For Beginners

-- Check out the Econome Conference - Save money using our coupon code MILEHIGHFI. Carl and Doug will be there, so come and hang out.

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

Get MHFi Merch – It helps support the show. Get t-shorts & 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: doug@milehighfi.com or carl@milehighfi.com 0:00 Intro 3:39 What's Amberly been up to 7:20 What's Doug been up to 8:35 Chat GPT is kinda awesome 14:56 Funding kids' college tuition 30:09 Do you NEED a (financial) coach? 42:16 To have or not have kids 46:22 Buying a house vs living as a nomad 50:05 Starting a landlord journey 51:42 Should I max out my 401k or buy a house? 55:22 A letter to our future selves 01:01:38 How you can support us

Carl discusses his crazy $10,000 semi-spontaneous purchase.

• Buying a private concert with The Webb Brothers
• Memory dividends
• Mindy approves
• The Big Event

Philosophical Musings

• What Doug thinks about all of this
• What would Doug spend $10,000 on?
• Stuff versus experiences
• Why your purchases may become irrelevant someday
• To budget or not to budget…
• Staying thoughtful about spending

It’s cold in Colorado. The Mile High FI studio in Doug’s basement is even colder. Help keep the studio warm and get cool stuff: https://www.buymeacoffee.com/milehighfi EconoMe: Doug and Carl are going to EconoMe again and are planning a meetup. Get your ticket here and enter MILEHIGHFI at checkout for a discount. See you in Cincinnati! Links

• The Webb Brothers Kickstarter
• Maroon (perhaps the Webb’s greatest work)
• Liar’s Club
• In A Fashion

  -- Check out the Econome Conference - Save money using our coupon code MILEHIGHFI. Carl and Doug will be there, so come and hang out.

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

Get MHFi Merch – It helps support the show. Get t-shorts & 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: doug@milehighfi.com or carl@milehighfi.com   0:00 Intro 4:59 Carl bought a concert 16:03 Thoughts on spending money on experiences 19:02 What would Doug spend 10k on? 21:55 More ideas 27:20 Stuff vs experiences 28:33 Do purchases ever become irrelevant? 35:13 Budgeting one crazy purchase per year

It’s another Mail Bag episode! Doug and Carl answer questions about

• Umbrella insurance policies
• Does the 4% Rule still apply in light of recent market declines?
• Is it OK to own a Tesla? (and why is the FI community so judgmental?)
• Coast FI
• Reader case study: I’m a late comer to the FI movement

Send questions and comments for future Mail Bag episodes to doug@milehighfi.com or carl@milehighfi.com. If you’re reading this, you must love the show. If you love the show, support us. Hey, we’d do it for you! https://www.buymeacoffee.com/milehighfi EconoMe: Doug and Carl are going to EconoMe again and are planning a meetup. Get your ticket here and enter MILEHIGHFI at checkout for a discount. See you in Cincinnati! Links

• Mile High FI interview: David Baughier
• Mile High FI interview: Jake Simon
• Big ERN’s Safe Withdrawal Rate Series
• Michael Kitces on the 4% Rule
• S&P 500 PE Ratio
• Death March to Financial Independence
• MMM HQ Coworking
• Doug’s site

Carl’s blog: 1500 Days - Check out the Econome Conference - Save money using our coupon code MILEHIGHFI. Carl and Doug will be there, so come and hang out.

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

Get MHFi Merch – It helps support the show. Get t-shorts & 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: doug@milehighfi.com or carl@milehighfi.com 0:00 Intro 1:20 Dry January recap 7:28 How you can support us 10:29 We got some interesting feedback! 12:36 What is an umbrella policy? 16:55 Does the 4% rule still make sense today? 25:57 Investing in a Tesla car 37:56 Join us at Econome! 39:40 Coast FI (again) 47:27 Moving towards FI as a late bloomer

Having kids is a lifestyle change that has a big impact on our finances. But how much does parenthood really cost? In this episode, Doug and Amberly explore the expected and unexpected costs that come with having children. They talk about the importance of budgeting and share some tips on how to shop wisely for new parents. The (unexpected) costs of having kids

• Health insurance and dental costs
• Schooling and tuition
• Are human parents and dog parents alike?
• The do's and don'ts of choosing a gift for new parents
• Tips for navigating friendships as a parent
• Amberly hosts FinTalks

Do you love Mile High FI? Support us over at Buy Me A Coffee. Do you hate Mile High FI? Send us a large sum of money and we’ll quit! You win either way! EconoMe: Doug and Carl are going to EconoMe again and are planning a meetup. Get your ticket here and enter MILEHIGHFI at checkout for a discount. Connect with Amberly Grant!

• AmberlyGrant.com
• FinTalks
• Instagram
• Amberly on Facebook

- Check out the Econome Conference - Save money using our coupon code MILEHIGHFI. Carl and Doug will be there, so come and hang out.

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

Get MHFi Merch – It helps support the show. Get t-shorts & 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: doug@milehighfi.com or carl@milehighfi.com 0:00 Intro 2:41 Budgeting and planning for kids 7:57 Is having children similar to dogs? 10:31 The cost of having kids 25:05 Children and health insurance 32:29 Why kids' clothing is a terrible gift idea 36:33 As kids grow, so do their expenses 39:40 How to get free babysitting benefits 41:04 Why do parents count their baby's age in months?! 42:34 Schooling and tuition expenses 46:47 Navigating friendships as a parent 52:10 Amberly is on FinTalks 53:22 Fin Talk's retreat and Camp FI

After taking a break, Carl comes back to catch up with Doug. Here is what they talk about:

• Carl loses $2,000,000 (and is happy about it)
• Doug’s health issues
• Camp FI Southeast
• Carl’s 3-day fast
• No alcohol
• Meet Doug and Carl: EconoMe and NYC

Do you love Mile High FI? Support us over at Buy Me A Coffee. Do you hate Mile High FI? Send us a large sum of money and we’ll quit! You win either way! EconoMe: Doug and Carl are going to EconoMe again and are planning a meetup. Get your ticket here and enter MILEHIGHFI at checkout for a discount. Links

• Downshift Financial
• Mile High FI Interview with Chris Rusin, the Indiana Jones of FIRE
• Mile High FI Interview with David Baughier
• Mile High FI interview with Jake Simon
• Logan Leckie
• Doug's website - Check out the NEW Sleep Post.
• Carl's blog: 1500 Days

- Check out the Econome Conference - Save money using our coupon code MILEHIGHFI. Carl and Doug will be there, so come and hang out.

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

Get MHFi Merch – It helps support the show. Get t-shorts & 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: doug@milehighfi.com or carl@milehighfi.com 0:00 Intro 1:12 How you can support us 2:40 What has Carl been up to 9:00 Doug's health issues 16:07 Carl's been fasting 25:48 - What has Doug been up to/Dry January 43:19 - Carl's house updates 45:16 - Doug has a new tattoo 47:54 - Doug tested ChatGPT 55:40 Doug and Carl are at Econome!

Doug and Amberly are back to discuss the pros and cons of different types of financial security, such as wills, trusts, and life insurance. They also talk about why whole life insurance isn't for everyone and explore some unusual scenarios. Wills vs. trusts

• Benefits of wills and trusts
• Choosing a trustee
• Potential scenarios in case of a divorce

Life insurance

• Doug's story on whole life insurance
• Who can make medical decisions on your behalf
• Accelerated death benefits

Connect with Amberly Grant!

• AmberlyGrant.com
• FinTalks
• Instagram
• Amberly on Facebook

- Check out the Econome Conference - Save money using our coupon code MILEHIGHFI. Carl and Doug will be there, so come and hang out.

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

Get MHFi Merch – It helps support the show. Get t-shorts & 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: doug@milehighfi.com or carl@milehighfi.com 0:00 - Intro 6:20 - Amberly's trust fund story 8:32 - Wills vs. Trusts - which is better? 10:24 - How to choose a trustee 14:04 - Benefits of a Trust 15:25 - Doug's situation 16:13 - What could happen to your money when you die 21:09 - Funding your Trust 22:28 - Life Insurance 24:50 - Is Whole Life Insurance worth it? 39:38 - Accelerated death benefits 41:21 - Trusting someone with your life 46:16 - Financial coaching and mentorship with Amberly

Doug and his co-host Amberly talk about something taboo but very important - death. They each share their own experiences with the death of loved ones and how to deal with grief. They also explore the connection between death and finances and how to put together an In Case Of Death binder. Oh, and Doug envisions his ideal memorial - and we're here for it. Dealing with the death of loved ones

• How witnessing death in childhood can shape us in adulthood
• Can we ever prepare for a person's death?
• Dealing with grief
• Advice from a hospice chaplain

Death and finances

• Death binder
• CEO plan

And, What we're thankful for... Connect with Amberly Grant!

• AmberlyGrant.com
• FinTalks
• Instagram
• Amberly on Facebook

- Check out the Econome Conference - Save money using our coupon code MILEHIGHFI. Carl and Doug will be there, so come and hang out.

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

Get MHFi Merch – It helps support the show. Get t-shorts & 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: doug@milehighfi.com or carl@milehighfi.com 0:00 - Intro 3:51 - Amberly's experiences with death 7:08 - Doug's experience 11:50 - Can we ever prepare for a person's death? 17:54 - What it means to live a high-quality life 23:46 - Dealing with a friend's passing 35:04 - Things we would be thankful for in case we died tomorrow 37:38 - How we would wrap up our lives before we go 41:53 - Finances and death 42:54 - In-case-of-death binder 47:12 - Putting together a CEO plan 52:22 - Closing words from a hospice chaplain 53:19 - ''How you live is how you die'' - is it true? 58:06 - Helping others deal with grief 58:59 - Why attending your own memorial is a great idea

Doug chats with his friend, Dusti, about cognitive biases and behavioral economics. They discuss how our financial habits are heavily influenced by emotions, and why we oftentimes spend money on unnecessary things. Behavioral Economics

• Why money is emotional
• Buying more than we can afford
• How group mentality affects our decision-making

Cognitive Biases

• Availability bias
• Confirmation bias
• The struggle of having too many choices
• The ostrich effect

Connect with Dusti on Instagram. - Check out the Econome Conference - Save money using our coupon code MILEHIGHFI. Carl and Doug will be there, so come and hang out.

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

Get MHFi Merch – It helps support the show. Get t-shorts & 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: doug@milehighfi.com or carl@milehighfi.com   0:00 - Intro 1:20 - Who is Dusti? 12:12 - Behavioral economics and the emotional side to money 18:11 - How you can support us 21:02 - Availability bias 23:10 - Confirmation bias and how society affects our buying decisions 29:39 - Is having fewer options better? 34:28 - People overvalue what they own 43:06 - Going along with everyone else 50:04 - Loss aversion 53:20 - The ostrich effect

Doug and Carl interview Andrew Giancola, host of the wildly successful Personal Finance Podcast.

Quick note!:* If you think that Doug and Carl are awesome, show them some love by supporting the show. If you think they suck, give them some money to motivate them to suck less*: https://milehighfi.com/donate

Early Retirement

• How to start on an early retirement journey
• How much you should have saved by certain ages
• How to create a bigger gap in income and expenses
• The 3 Horsemen of the FI-pocalypse: housing, cars, and food

Making $100,000 A Year

• How to get promoted
• Doug and Carl's best tips for success on the job

Personal Finance Podcast

• Goals of the show
• Imposter syndrome
• The meaning of wealth

Links

• The personal finance podcast
• Master Money
• Mr. Money Mustache: The schockingly simple math behind early retirement
• How you can support us

- Check out the Econome Conference - Save money using our coupon code MILEHIGHFI. Carl and Doug will be there, so come and hang out.

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

Support the show and get exclusive content. We use Buy Me a Coffee which is like Patreon. You can donate each month which helps a ton, or make a one-time donation.

Get MHFi Merch – It helps support the show. Get t-shorts & 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: doug@milehighfi.com or carl@milehighfi.com   0:00 - Intro 0:45 - Who is Andrew Giancola 5:10 - Time management 8:14 Andrew's corporate job 10:19 - Tips for approaching early retirement 15:06 - Andrew's beginnings 16:15 -Why retiring early is not for everyone 19:06 - Lifestyle inflation 23:18 - Splurging 24:14 - Andrew's take on frugality 26:16 - How much do you save in certain ages of life 32:15 - Income vs. expenses gap 38:54 - FI framework and how to get promoted 49:05 - Protecting assets 54:19 - Goals 55:39 - Imposter syndrome 59:00 - The meaning of wealth 1:00:19 - The perfect day

Doug and Carl interview friend, fellow Longmonster, and FIRE legend Mr. Money Mustache (aka Pete Adeney). When Tim Ferriss interviewed Pete, they ended by talking about Pete’s desire to own a local community gathering space. This is the jumping off point for the Mile High FI conversation. But, they go a lot deeper too. No talk about index funds or the 4% Rule. That stuff has been covered. Instead, this conversation is about happiness, journeys, and meaning. Quick note: Do you enjoy Mile High FI? Do you hate it? Either way, supporting the show is a great idea! You will feel better about yourself. Also, Doug and Carl will be thankful to you forever. Maybe even longer. MMM HQ Coworking

• How Pete and Carl came to own a coworking space
• What happens at HQ
• Is HQ a coworking space or social club?

Happiness

• The real goal of Mr. Money Mustache (it’s not moneymap)
• What is happiness?
• The factors that lead to happiness
• Journey versus goals

Pete’s perfect day Links

• Support Carl and Doug: Buy Me A Coffee
• Pete on other Mile High FI episodes
  • Mr. Money Mustache, Alan Donegan, Carl Jensen LIVE Q&A Panel | MHFi023
  • Mr. Money Mustache Loves Hot Sauces and Waffles on Wednesday | MHFi 042
  • Mr. Money Mustache on Get Smart With Money Netflix Documentary w/ John & Kim | MHFi 115
• Pete on The Tim Ferris Show
• MMMHQ: The Mr. Money Mustache Coworking Space
• Pete speaking at World Domination Summit
• Andrew Huberman
• Get Smart With Money
• NoCo Mustachians Meetup Group

Some of our favorite interviews from notable folks in the community:

• JL Collins: The Simple Path To Wealth
• Paula Pant on Inflation
• JD Roth: Get Rich Slowly
• Money Honey Rachel Richards
• Mad FIentist: Post FI Life
• How To Money

- Check out the Econome Conference - Save money using our coupon code MILEHIGHFI. Carl and Doug will be there, so come and hang out.

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

Support the show and get exclusive content. We use Buy Me a Coffee which is like Patreon. You can donate each month which helps a ton, or make a one-time donation.

Get MHFi Merch – It helps support the show. Get t-shorts & 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: doug@milehighfi.com or carl@milehighfi.com   0:00 - Intro 1:53 - How Carl met Mr Mustache 11:12 - Who is Mr Mustache? 17:30 - Carl's real estate story 21:20 - The coworking space and its unexpected benefits 27:38 - Happiness 31:40 - Can success sometimes make you miserable? 36:20 - The Mr Mustache blog 38:49 - Self-improvement, gratitude and self-control 46:12 - Factors that lead to happiness 54:56 - Pete's Netflix documentary 57:33 - The Tim Ferriss show 1:0:22 -Removing negativity from your life 1:6:33 - Happiness and FIRE 1:15:51 - Struggles 1:20:16 - Making plans 1:22:20 - Why doing the hard stuff makes your life better 1:26:41 - Public speaking and anxiety 1:28:56 - Taking the easier route 1:33:25 - Cheese, FI and more 1:36:15 - Goals 1:39:40 - Reflecting on the journey 1:42:22 - Pete's perfect day

J.D. Roth is guest hosting this tangent filled episode. Doug and J.D. start talking about reflecting on the past year, goals, and New Year Resolutions. Then, they quickly digress. They end up talking about

• NOT setting goals
• Goals versus systems
• Doug doesn't do resolutions
• J.D. wants to get into better shape

Check out the other episodes with J.D.:

• Having Enough and Lack of Ambition - MHFi 134
• J.D. Roth on Mile High FI - MHFi 127

Follow J.D. here: J.D.'s work about personal finance, Get Rich Slowly

J.D.'s Personal Blog

- Check out the Econome Conference - Save money using our coupon code MILEHIGHFI. Carl and Doug will be there, so come and hang out.

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

Support the show and get exclusive content. We use Buy Me a Coffee which is like Patreon. You can donate each month which helps a ton, or make a one-time donation.

Get MHFi Merch – It helps support the show. Get t-shorts & 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: doug@milehighfi.com or carl@milehighfi.com

There are a few changes coming for the Mile High FI Podcast in 2023. Doug shares the details in this bonus, year end episode. -- Check out the Econome Conference - Save money using our coupon code MILEHIGHFI. Carl and Doug will be there, so come and hang out.

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

Support the show and get exclusive content. We use Buy Me a Coffee which is like Patreon. You can donate each month which helps a ton, or make a one-time donation.

Get MHFi Merch – It helps support the show. Get t-shorts & 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: doug@milehighfi.com or carl@milehighfi.com

Carl and Doug talk about fitness and health, two of their favorite topics. They talked fitness a few times this year already, so they wanted to wrap it up and make some declarations for next year. Other Fitness episodes: MHFI 091 Summer Fitness Update MHFI 078 with Jake Simon MHFI 064 with Brittany Dunn MHFI 063 Losing 10LBS of Ugly Weight MHFI 045 Fitness Plan for 2022 - Check out the Econome Conference - Save money using our coupon code MILEHIGHFI. Carl and Doug will be there, so come and hang out.

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

Support the show and get exclusive content. We use Buy Me a Coffee which is like Patreon. You can donate each month which helps a ton, or make a one-time donation.

Get MHFi Merch – It helps support the show. Get t-shorts & 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: doug@milehighfi.com or carl@milehighfi.com

Doug and Carl answer questions from listeners. To submit your own question, send a note to Doug (doug@milehighfi.com) or Carl (carl@milehighfi.com).

• Rakesh asks about FI friends
• What do Carl and Doug spend money on now that they've surpassed their money goals
• Ashwini is unsure about his retirement

Support Mile High FI!: If you enjoy our show (and we know you do), show us some love:

Doug Cunnington + Carl Jensen Links

• The Shockingly Simple Math Behind Early Retirement

- Check out the Econome Conference - Save money using our coupon code MILEHIGHFI. Carl and Doug will be there, so come and hang out.

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

Support the show and get exclusive content. We use Buy Me a Coffee which is like Patreon. You can donate each month which helps a ton, or make a one-time donation.

Get MHFi Merch – It helps support the show. Get t-shorts & 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: doug@milehighfi.com or carl@milehighfi.com

Doug and Carl talk about crab bags, grab bags, and what's been going on in their lives:

• Doug scores $300 from Chase
• Carl's misadventures in rush-hour traffic
• Doug's pursuit of happiness
• Carl's house project
• Doug's fancy dinner
• Carl's upcoming retirement (for real this time)

Links

• We recommend these books.
• Thomas DeLauer | Executive Body and Business Coach
• Rich living on less money - How to Money

Support the show and get exclusive content. We use Buy Me a Coffee which is like Patreon. You can donate each month which helps a ton or make a one-time donation. - Check out the Econome Conference - Save money using our coupon code MILEHIGHFI. Carl and Doug will be there, so come and hang out.

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

 

Get MHFi Merch – It helps support the show. Get t-shorts & 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: doug@milehighfi.com or carl@milehighfi.com

Doug and Carl talk to David Baughier, creator of Fiology. They discuss military life, slowing down after retirement, driving boats, and Carl's lack of slowing down.

Military Life, College, FIRE, Investments

• David's military career
• Vanderbilt
• Real estate
• Discovering FIRE at Camp Mustache

Exercise And Health

• David's crazy diet
• Pull-ups
• Carl's challenge to Doug
• Why social media sucks

If you enjoy our show (and we know you do), show us some love: Doug Cunnington + Carl Jensen

Links

• All You Need To Know for Financial Independence (FI) - Fiology
• EconoMe Conference - March 17th-19th, 2023
• Camp Mustache

- Check out the Econome Conference - Save money using our coupon code MILEHIGHFI. Carl and Doug will be there, so come and hang out.

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

Support the show and get exclusive content. We use Buy Me a Coffee which is like Patreon. You can donate each month which helps a ton, or make a one-time donation.

Get MHFi Merch – It helps support the show. Get t-shorts & 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: doug@milehighfi.com or carl@milehighfi.com

Doug and Carl talk about end of year financial moves. And favorite pies.

• Why you should review your investments and allocations
• Budgets and spending
• 401(k) and Roth IRA deadlines
• An important solo 401(k) IRS filing

If you enjoy our show (and we know you do), show us some love:

Doug Cunnington + Carl Jensen

Links

• Brian Feroldi on Twitter
• Michael Kitces on BP Money

- Check out the Econome Conference - Save money using our coupon code MILEHIGHFI. Carl and Doug will be there, so come and hang out.

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

Support the show and get exclusive content. We use Buy Me a Coffee which is like Patreon. You can donate each month which helps a ton, or make a one-time donation.

Get MHFi Merch – It helps support the show. Get t-shorts & 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: doug@milehighfi.com or carl@milehighfi.com

Doug and Carl talk to Money Honey Rachel Richards about books, real estate, fitness, and Taylor Swift.

Background

• How Rachel's upbringing motivated her
• Reading Rich Dad, Poor Dad. In high school.
• University and first job

Fitness

• The $2,000 bet
• Rachel's routine

Business

• Making $22,000 in a month from her book
• Why self-publishing was a great idea
• Running a boarding house
• Why you have to charge for a course
• Public speaking

If you enjoy our show (and we know you do), show us some love: Doug Cunnington + Carl Jensen

Links

• Get Your Free Passive Income Starter Kit
• Book Launch: How to Write, Market & Publish Your First Bestseller in Three Months or Less AND Use it to Start and Grow a Six Figure Business by Chandler Bolt
• Can't Hurt Me: Master Your Mind and Defy the Odds by David Goggins

- Check out the Econome Conference - Save money using our coupon code MILEHIGHFI. Carl and Doug will be there, so come and hang out.

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

Support the show and get exclusive content. We use Buy Me a Coffee which is like Patreon. You can donate each month which helps a ton, or make a one-time donation.

Get MHFi Merch – It helps support the show. Get t-shorts & 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: doug@milehighfi.com or carl@milehighfi.com

Doug and Carl talk about FI, inflation, recessions, and Taylor Swift. Oof!

• How Carl screwed up during the Great Recession
• Plan for the storm before the storm!
• Cash hoard or cash whore?
• The dividends of living off dividends

If you enjoy our show (and we know you do), show us some love: Doug Cunnington + Carl Jensen Links

• Brian Feroldi on Twitter
• Michael Kitces on Bigger Pockets Money

- Check out the Econome Conference - Save money using our coupon code MILEHIGHFI. Carl and Doug will be there, so come and hang out.

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

Support the show and get exclusive content. We use Buy Me a Coffee which is like Patreon. You can donate each month which helps a ton, or make a one-time donation.

Get MHFi Merch – It helps support the show. Get t-shorts & 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: doug@milehighfi.com or carl@milehighfi.com

J.D. Roth joins the show to talk about ambition. Doug and J.D. talk about lacking ambition, entrepreneurship, having enough, and life in general.

• Read the post J.D. wrote about ambition: A man of no ambition

• Read more of J.D.'s work about personal finance: Get Rich Slowly - Personal finance that makes sense

• J.D.'s Personal Blog: Foldedspace

-   Check out the Econome Conference - Save money using our coupon code MILEHIGHFI. Carl and Doug will be there, so come and hang out.

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

Support the show and get exclusive content. We use Buy Me a Coffee which is like Patreon. You can donate each month which helps a ton, or make a one-time donation.

Get MHFi Merch – It helps support the show. Get t-shorts & 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: doug@milehighfi.com or carl@milehighfi.com

Doug and Carl talk about retiring in a bad time. AKA now.

• To keep working or quit...
• Cash, side hustles, dividends
• Sequence of returns

If you enjoy our show (and we know you do), show us some love:

Doug Cunnington + Carl Jensen  

Links

• JD Roth on Mile High FI:  JD Roth of Get Rich Slowly | MHFI 127
• 1989: 1989 (Taylor Swift album)
• Go Curry Cracker and the case for 100% equities:  The Path to 100% Equities - Go Curry Cracker!
• Michael Kitces on BP Money: https://www.biggerpockets.com/blog/money-351
• Understanding Sequence Of Return Risk & Safe Withdrawal Rates

Check out the Econome Conference - Save money using our coupon code MILEHIGHFI. Carl and Doug will be there, so come and hang out! -

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

Support the show and get exclusive content. We use Buy Me a Coffee which is like Patreon. You can donate each month which helps a ton, or make a one-time donation.

Get MHFi Merch – It helps support the show. Get t-shorts & 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: doug@milehighfi.com or carl@milehighfi.com

The mailbag fun continues with this episode. Here's what we tackled this time:

• Carl: what should Doug work on?
• Doug: what should Carl work on?
• What is your take on CoastFI, and would you consider doing that if you could go back in time?
• What are the deets on Carl's bidet?
• Is a short-term or long-term rental better?
• How do I improve my willpower?

Check out the Econome Conference - Save money using our coupon code MILEHIGHFI. Carl and Doug will be there, so come and hang out! -

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

Support the show and get exclusive content. We use Buy Me a Coffee which is like Patreon. You can donate each month which helps a ton, or make a one-time donation.

Get MHFi Merch – It helps support the show. Get t-shorts & 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: doug@milehighfi.com or carl@milehighfi.com