Navigating Life's Inevitable: Reverse Obituaries, Financial Planning, and Living Fully

In this episode, Josh and Elliot discuss the impact of Snow Apocalypse 2026 and delve into the concept of a 'reverse obituary,' inspired by Warren Buffet's idea of planning life with the end in mind. They highlight the importance of financial preparedness and estate planning, emphasizing actions like creating wills, trusts, and TODs. Personal anecdotes about preparing for the inevitable and ensuring smooth transitions for loved ones are shared. Additionally, they touch on balancing life and work within the FIRE community, advocating for thoughtful life planning and making the most of the present.

00:00 Introduction and Snow Apocalypse 2026

00:50 The Concept of a Reverse Obituary

01:50 Personal Stories and Financial Preparedness

05:45 Balancing Life and Work

10:55 Reflecting on Life Goals

22:15 Practical Steps for Financial Planning

26:27 Conclusion and Final Thoughts

Do you have feedback or suggestions? We want to hear from you!

Contact Elliot: Elliot@ninetofipod.com

Contact Josh: Josh@ninetofipod.com

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⁠Empower⁠ is Josh’s choice for Net Worth and Budgeting

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Books mentioned in this episode:

The Art Of Spending Money: https://amzn.to/45SnKOp

Come find us and subscribe on YouTube: http://www.youtube.com/@9toFI

Navigating Early Retirement: Reflections and Plans

In this episode of 'Nine to FI,' hosts Josh and Elliot discuss the ups and downs of early retirement. Josh shares his experiences since retiring at 48, including the surprising challenges of maintaining a routine and staying healthy. The duo also reflects on 'Blue Monday' and its impact on mental health. They talk about their plans for the future, including potential travel to France and Glacier National Park. The conversation covers the perks and drawbacks of leaving the corporate world, with a focus on social connections and the sense of stability provided by a steady paycheck. Both hosts reveal their personal goals and struggles, aiming to inspire listeners who are considering early retirement.

00:00 Introduction to Nine to FI Podcast

00:39 Discussing Blue Monday and Personal Updates

01:49 Planning Summer Adventures

06:23 Reflecting on Full-Time Employment

17:10 Maintaining Relationships Post-Retirement

29:13 Health and Fitness Goals

41:57 Conclusion and Listener Engagement

Do you have feedback or suggestions? We want to hear from you!

Contact Elliot: Elliot@ninetofipod.com

Contact Josh: Josh@ninetofipod.com

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Mint Mobile - We both use ⁠Mint Mobile⁠ and save a ton on our phone plan: ⁠https://fbuy.me/vgAmz⁠

⁠Empower⁠ is Josh’s choice for Net Worth and Budgeting

Wanna create a podcast? We use ⁠Descript⁠

Looking for a new credit card? We’re big fans of ⁠Chase⁠

⁠Buy Us a Coffee⁠ - One time donation or monthly, it’s up to you

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Books mentioned in this episode:

Come find us and subscribe on ⁠YouTube⁠: ⁠http://www.youtube.com/@9toFI⁠

Balancing Financial Support: Navigating Family Investments in Children's Futures

In this episode, hosts Josh and Elliot discuss varying approaches to financially supporting children from high school through to adulthood. They explore concepts such as purchasing first cars, college funding, and financial independence, drawing on their own experiences as well as the evolving landscape of education and employment. They also touch on the importance of balancing support with encouraging self-reliance, and consider the potential benefits of providing financial assistance at pivotal life milestones like weddings and buying a first home. The conversation is framed within the broader context of creating a stable, supportive family environment while fostering independence and financial responsibility.

00:00 Introduction: Supporting Children Financially

00:26 Hosts' Personal Updates and Reflections

04:10 High School Years: Car Purchases and Responsibilities

17:00 College Support: Plans and Perspectives

31:06 Post-College Independence and Financial Responsibility

34:15 Weddings and Financial Gifts

39:57 Final Thoughts and Wrap-Up

Any of these products help the show. Thanks for your support!

Mint Mobile - We both use ⁠Mint Mobile⁠ and save a ton on our phone plan: ⁠https://fbuy.me/vgAmz⁠

⁠Empower⁠ is Josh’s choice for Net Worth and Budgeting

Wanna create a podcast? We use ⁠Descript⁠

Looking for a new credit card? We’re big fans of ⁠Chase⁠

⁠Buy Us a Coffee⁠ - One time donation or monthly, it’s up to you

Want to save money on gas? Try ⁠Upside!⁠

Books mentioned in this episode:

Come find us and subscribe on YouTube: http://www.youtube.com/@9toFI

We want to hear from you!

Contact Elliot: Elliot@ninetofipod.com

Contact Josh: Josh@ninetofipod.com

Year-End Financial Review: Analyzing Spending Habits and Optimizing SavingsIn this episode of Nine to FI, Josh and Elliot delve into their year-end financial reviews, discussing Josh's early retirement journey and Elliot's steps towards the same goal. The hosts share their insights on managing finances post-retirement, including a detailed analysis of their spending categories such as travel, groceries, dining out, and utilities. Josh explains their approach to utilizing owner distributions from rental properties to cover expenses, while Elliot reflects on using various financial tools and spreadsheets to track savings and manage investments. Both emphasize the importance of scrutinizing expenses to identify possible areas for optimization and share strategies for continuous financial improvement. The episode wraps up with plans to revisit this detailed financial review in the future to keep refining their budgeting processes.00:00 Introduction to Nine to FI Podcast00:39 Casual Catch-Up and Weather Talk01:52 Year-End Financial Review04:59 Detailed Breakdown of Expenses11:06 Comparing Annual Spending14:39 Tools and Methods for Financial Tracking22:26 RSUs and Future Financial Planning23:26 Josh's Financial Estimates and Projections25:07 Analyzing Credit Card Spending25:56 Grocery and Household Expenses27:13 Travel Expenditures Breakdown28:42 Dining Out Costs34:16 Bills and Utilities Overview34:52 Cutting Down on Subscriptions36:29 Entertainment and Shopping36:55 Automotive and Home Improvement40:47 Income and Cash Flow Management45:16 Optimizing Business Expenses46:35 Conclusion and Future Plans

Any of these products help the show. Thanks for your support!

Mint Mobile - We both use ⁠Mint Mobile⁠ and save a ton on our phone plan: ⁠https://fbuy.me/vgAmz⁠

⁠Empower⁠ is Josh’s choice for Net Worth and Budgeting

Wanna create a podcast? We use ⁠Descript⁠

Looking for a new credit card? We’re big fans of ⁠Chase⁠

⁠Buy Us a Coffee⁠ - One time donation or monthly, it’s up to you

Want to save money on gas? Try ⁠Upside!⁠

Books mentioned in this episode:

Come find us and subscribe on YouTube: http://www.youtube.com/@9toFI

We want to hear from you!

Contact Elliot: Elliot@ninetofipod.com

Contact Josh: Josh@ninetofipod.com

Navigating the Journey Beyond Financial IndependenceIn this episode of the 'Nine to FI' podcast, hosts Josh and Elliot discuss an article from the Mad Fientist about leaving the FIRE (Financial Independence Retire Early) movement. They explore the nuanced stages of pursuing financial independence and the shift in focus from aggressive saving to enjoying financial freedom. The conversation highlights the challenges of maintaining the FIRE mentality post-retirement, the evolution of personal priorities, and the importance of balancing community engagement with other life interests. The hosts also reflect on their own experiences and share insights for both newcomers and seasoned members of the FIRE community.00:00 Introduction to Nine to FI Podcast00:45 Discussing the Mad Fientist Article03:04 Reactions to the Article's Bold Statements05:42 Personal Experiences with the FIRE Community10:40 Balancing FIRE and Personal Life16:12 Challenges of Maintaining FIRE Habits18:47 Reflections on FIRE and Future Directions37:33 Closing Thoughts and Listener Appreciation

Any of these products help the show. Thanks for your support!

Mint Mobile - We both use ⁠Mint Mobile⁠ and save a ton on our phone plan: ⁠https://fbuy.me/vgAmz⁠

⁠Empower⁠ is Josh’s choice for Net Worth and Budgeting

Wanna create a podcast? We use ⁠Descript⁠

Looking for a new credit card? We’re big fans of ⁠Chase⁠

⁠Buy Us a Coffee⁠ - One time donation or monthly, it’s up to you

Want to save money on gas? Try ⁠Upside!⁠

Books mentioned in this episode:

Come find us and subscribe on YouTube: http://www.youtube.com/@9toFI

We want to hear from you!

Contact Elliot: Elliot@ninetofipod.com

Contact Josh: Josh@ninetofipod.com

Navigating Holiday Breaks and Amazon Prime CancellationIn this episode of the Nine to FI podcast, hosts Josh and Elliot discuss their experiences and reflections on holiday breaks, detailing the contrast between Josh's retired life and Elliot's imminent return to full-time employment. They dive into the 'Sunday scaries' and how the ability to manage time during holidays has shifted. The episode also covers a discussion on the decision to cancel Amazon Prime in favor of supporting local businesses, including the reasons behind it and the resulting changes to their shopping habits. The hosts highlight their ad-free podcast model and encourage listener support through links in the show notes.Is amazon prime worth it? Amazon prime cancellation. Breaking up with Amazon. Quitting Amazon. Why I cancelled amazon prime00:00 Introduction to Nine to FI Podcast00:41 Holiday Reflections and Work Transitions01:37 Balancing Work and Personal Life04:38 Morning Routines and Exercise07:10 Amazon Prime Cancellation Discussion09:42 Supporting Local Communities

Any of these products help the show. Thanks for your support!

Mint Mobile - We both use ⁠Mint Mobile⁠ and save a ton on our phone plan: ⁠https://fbuy.me/vgAmz⁠

⁠Empower⁠ is Josh’s choice for Net Worth and Budgeting

Wanna create a podcast? We use ⁠Descript⁠

Looking for a new credit card? We’re big fans of ⁠Chase⁠

⁠Buy Us a Coffee⁠ - One time donation or monthly, it’s up to you

Want to save money on gas? Try ⁠Upside!⁠

Books mentioned in this episode:

Come find us and subscribe on YouTube: http://www.youtube.com/@9toFI

We want to hear from you!

Contact Elliot: Elliot@ninetofipod.com

Contact Josh: Josh@ninetofipod.com

Setting Intentional Goals and Resolutions for Growth in 2026

In this episode, Josh and Elliot discuss their approaches to goal-setting and New Year's resolutions as they enter 2026. Josh shares his practice of yearly goal-setting with his wife while Elliot shares his preference for building sustainable systems over resolutions. They reflect on their journeys, including lessons learned from the financial independence (FI) community, the importance of planning, and the significance of maintaining health. They also commit to becoming each other's accountability partners for health goals in 2026. The episode ends with a request for listener support via YouTube subscriptions to help enhance the podcast's quality.

00:00 Introduction and Greetings

00:06 Setting Goals for the New Year

03:59 The Concept of Resolutions vs. Goals

04:58 Personal Experiences with Resolutions

16:05 Health and Wellness Goals

28:34 Podcast Journey and Future Plans

35:27 Conclusion and Call to Action

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Mint Mobile - We both use Mint Mobile and save a ton on our phone plan http://fbuy.me/vgAmz

Empower is Josh’s choice for Net Worth and Budgeting https://empowerreferral.link/joshuaepley

Wanna create a podcast? We use Descript https://descript.cello.so/IVNVNzQT7Gf

Looking for a new credit card? We’re big fans of Chase https://www.referyourchasecard.com/226d/VXSG31N8OF

Buy Us a Coffee - One time donation or monthly, it’s up to you https://buymeacoffee.com/9tofi

Want to save money on gas? Try Upside! https://upside.app.link/JOSH56339

Books mentioned in this episode:

James Clear's Atomic Habits: https://amzn.to/49zWfv7

Exploring Side Hustles: From Handyman Jobs to YouTube Success

In this episode, hosts Josh and Elliot dive into the world of side hustles, continuing their discussion from episode 21 - Winning With Side Hustles. Josh shares his journey starting in 2012 with handyman work and eventually transitioning into real estate investing. He highlights the flexibility and opportunities available through various side hustles such as YouTube content creation and flipping furniture. Elliot and Josh also discuss the importance of leveraging your unique skills, the evolving mindset of financial independence, and encouraging younger generations to explore side hustles. They conclude with reflections on their podcasting experience and the excitement of continuously learning and challenging themselves.

00:00 Introduction and Catching Up

00:38 Josh's Handyman Side Hustle Journey

03:26 Exploring YouTube as a Passive Income Source

05:30 Real Estate Investing and Flexibility

07:17 Monetizing Skills and Hobbies

18:20 Teaching Kids About Side Hustles

19:49 Reflections on Side Hustles and Financial Independence

24:22 Podcasting as a New Endeavor

27:42 Conclusion and Listener Engagement

We want to hear from you!

Contact Elliot: Elliot@ninetofipod.com

Contact Josh: Josh@ninetofipod.com

Come find us and subscribe on YouTube: http://www.youtube.com/@9toFI

Any of these products help the show. Thanks for your support!

Mint Mobile - We both use Mint Mobile and save a ton on our phone plan: https://fbuy.me/vgAmz

Empower is Josh’s choice for Net Worth and Budgeting

Wanna create a podcast? We use Descript

Looking for a new credit card? We’re big fans of Chase

Buy Us a Coffee - One time donation or monthly, it’s up to you

Want to save money on gas? Try Upside!

Books mentioned in this episode: