Mile High FI Podcast

Latest Episodes:

Time Bucketing vs Bucket Lists | MHFI 172 Jul 25, 2023

Show notes

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

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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

Pursuing FI & Professional Identity Struggle | MHFI 171 Jul 18, 2023

Show notes

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

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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

Doug the Stoic | MHFI 170 Jul 11, 2023

Show notes

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

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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

Unraveling the 4% Rule: Is it Time to Retire? | MHFI 169 Jul 04, 2023

Show notes

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.

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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

Van Life: Hitting the Road with Teri Slater | MHFI 168 Jun 27, 2023

Show notes

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

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-- 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

I Will Teach You to be Rich Ep 108 - Behind the Scenes | Bonus | MHFI 167 Jun 21, 2023

Show notes

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

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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

Entrepreneurship: From Mac & Cheese to Fintech | MHFI 166 Jun 20, 2023

Show notes

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

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

Connect with Amberly Grant!

-- 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

Financial Mistakes We've Made | MHFI 165 Jun 13, 2023

Show notes

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

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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

Retiree's Guide: Overcoming Frugality & Embracing Spending, Pt 4 | MHFI 164 Jun 06, 2023

Show notes

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

Retiree's Guide: Overcoming Frugality & Embracing Spending, Pt 3 | MHFI 163 May 30, 2023

Show notes

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

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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

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