Mindy On Money

What If Your Partner Doesn't Like FIRE? Sep 18, 2024

Mindy (and Carl) talk about how to get your partner on board with Financial Independence.

Carl brings up Mindy's mysterious old boyfriend, Mr. Pie
How Carl and Mindy discovered FI
Mindy (and Carl's) superpower that made them wealthy
Carl/Cypress Hill
Best tips for convincing a partner to FI
JT, do you read the show notes?

How To Talk About Money Sep 11, 2024

People don't want to talk about money. We'd all be better off if we did.

Mindy (and Carl) talk about how to talk about money. In the course of the conversation, Carl learns a deep-dark money secret about Mindy and one of her ex-boyfriends. Juicy.

Why Spending In Retirement Will Be Less Aug 29, 2024

Mindy and Carl talk about what expenses will look like post-retirement:

First, they answer a retirement tax question from a listener.
Then, they list the reasons why they think expenses will be less in retirement.
And The Bull gets a name?!??

Links

ProjectionLab: https://projectionlab.com/
Eric Cooper: https://mindyonmoney.com/s1/30
HelloNectarine: https://hellonectarine.com/
Mindy On Money: https://mindyonmoney.com/
Facebook group: https://www.facebook.com/groups/mindyonmoney

Email

Mindy: mindy@mindyonmoney.com
Carl: carl@mindyonmoney.com
The Bull: bull@mindyonmoney.com

Thanks for listening!

Mindy Still Works. Carl Asks Why. Aug 21, 2024

In this episode of Mindy (and Carl) on Money:

Carl asks Mindy why she's still working, even though she doesn't have to
What Mindy gets out of her fancy job
Carl threatens to start a competing podcast with The Bull
Mindy's advice for those on the edge
Carl tells Mindy why he was walking around topless in the neighborhood

Links

Scholarship: https://mindyonmoney.com/scholarship
Mindy's day gig: https://www.biggerpockets.com/podcasts/money
Mindy On Money: https://mindyonmoney.com/
Mindy on Money facebook group: https://www.facebook.com/groups/mindyonmoney

Thanks for listening!

Stepping Off The Cliff: Mindy Interviews Carl Aug 14, 2024

Mindy interviews Carl about his early retirement journey. Before the interview starts, they have a silly chat about the Cybertruck.

Links:

Sheeks Freaks: https://www.sheeksfreaks.com/
The Boring Middle: https://mindyonmoney.com/s1/23
Doc G: https://diversefi.com/
The FI Cruise: https://www.amberlygrant.com/cruise
Darren and Jolene on Mile High FI: https://www.youtube.com/watch?v=kXUyYZGa4ls
FI Brain Trust: http://fibraintrust.com/

Thanks for listening!

The Sky Is Falling!!! Not Really. Aug 07, 2024

Mindy (and Carl) talk about the recent market fluctuations.

THE SKY IS FALLING says the financial media. Should most of us care? No.
Did Mindydamus predict the 2020 crash?
If Mindy goes to Disney, is she Mindy Mouse?

Also, the bull gets an email address.

Show notes:

Camp FI: https://campfi.org/
Mindy on Money: https://www.mindyonmoney.com
Mindy on Money facebook group: https://www.facebook.com/groups/mindyonmoney

Thanks for listening!

Road Tripping, FI Friending, And Carbequing Jul 31, 2024

Mindy (and Carl) talk about recent road trips, how the FI community has influenced their travels, and best tips for road trips.

Links

MMM HQ: https://www.mrmoneymustache.com/hq/
Our local Meetup group: https://www.meetup.com/NoCoMustachians/
Best Buddies: https://www.bestbuddies.org/
Kristen Knapp on MOM: https://mindyonmoney.com/s1/29
Eric Cooper on MOM: https://mindyonmoney.com/s1/30
FatFIRE: https://www.facebook.com/groups/fatfire
MindyOnMoney: https://www.mindyonmoney.com
MindyOnMoney facebook group: https://www.facebook.com/groups/mindyonmoney
FinTalks cruise: https://www.amberlygrant.com/cruise
Farm Toy Museum: https://www.nationalfarmtoymuseum.com/
Choose FI groups: https://apps.choosefi.com/local-groups/

Thanks for listening!

Our Origin Story (Plus Our Favorite Resources) Jul 17, 2024

Mindy (and Carl) discuss how they discovered the financial independence movement:

Carl was only a Google search away from living his best life
Mindy goes to the wrong session at a conference and lands a job anyway

Then, they talk about their favorite resources:

Books

The Simple Path to Wealth: https://amzn.to/3SbKUbw

Set For Life: https://amzn.to/3Y7lbF4

The Millionaire Next Door: https://amzn.to/4d2GQma

The Psychology of Money: https://amzn.to/3LpYFQ7

Podcasts

Side Hustle Nation: https://www.sidehustlenation.com/

Mile High FI: https://milehighfi.com/

BiggerPockets Money: https://www.biggerpockets.com/podcasts/money

Blogs

Budgets are Sexy: https://budgetsaresexy.com/ways-to-make-money/

1500 Days: https://www.1500days.com/death-march-financial-independence/

Mad FIentist: https://www.madfientist.com/how-to-access-retirement-funds-early/

MMM on optimism: https://www.mrmoneymustache.com/2012/10/03/the-practical-benefits-of-outrageous-optimism/

MMM on confidence: https://www.mrmoneymustache.com/2018/03/09/money-and-confidence-are-interchangeable/

Events

BP Con: https://biggerpockets.getregistered.net/conference-2024 (enter code Mindy200 to save $200)

EconoMe: https://economeconference.com

FinTalks cruise: https://www.amberlygrant.com/cruise

Thanks for listening!

Sean Mullaney: Deep Investing Questions Jul 10, 2024

In today’s episodes, Sean Mullaney, the FI Tax Guy answers questions from Mindy (and Carl).

Please note: The discussion is intended to be for general educational purposes and is not tax, legal, or investment advice for any individual. Mindy, Carl, and the Mindy On Money podcast do not endorse Sean Mullaney, Mullaney Financial & Tax, Inc. and their services.

Is the stock market overvalued?
What do you do if you have a high stock concentration?
Donor advised funds!
Sean's work

Links:

Sean Mullaney: https://fitaxguy.com/
Macrotrends: https://www.macrotrends.net/
Simple Path To Wealth: https://amzn.to/4cwwUBy
The Arithmetic of Active Management https://web.stanford.edu/~wfsharpe/art/active/active.htm
Bogleheads conference: https://www.bogleheads.org/forum/viewtopic.php?t=429430
Mindy on Money: https://www.mindyonmoney.com
Mindy on Money facebook group: https://www.facebook.com/groups/mindyonmoney
Thanks for listening!

Spending For Fun And Happiness (And Air Conditioning) Jul 03, 2024

Mindy (and Carl) talk about what they spend money on including:

health
books
local artists
parties!

But money should NOT be wasted. Where do you draw the line?!?? If you can do something yourself, should you do it even if you don't like it? Looking at you car brakes.

How do we overcome the aversion to spending money? Is Mark Trautman's fun bucket the mind hack you need to get over the hump?

And finally, First Class Farts.

Links:

Mindy On Money: https://mindyonmoney.com/
Facebook: https://www.facebook.com/groups/mindyonmoney
Mark's fun bucket: https://marksmoneymind.com/the-fun-bucket-overcoming-the-frugality-mindset/
Heligoats Tiny Desk concert: https://www.youtube.com/watch?v=gtnY_HxqCJQ
The new Tesla: https://www.1500days.com/the-355-tesla-model-y-the-good-the-bad-and-the-fsd/
Catching Up To FI: https://catchinguptofi.com/
EconoMe: https://economeconference.com/
Adriatico's Pizza: https://adriaticosuc.com/

Thanks for listening!

The Art Of Subtraction Jun 26, 2024

Everyone wonders what they can add to their life to increase happiness. Not many consider the powerful act of subtracting stuff you don't like. What could you eliminate from your life to make you happier?

Thanks Jolene for inspiring this episode!

Links:

MMM HQ: https://www.mrmoneymustache.com/hq/
MMM HQ Meetup group: https://www.meetup.com/NoCoMustachians/
Mad FIentist: https://www.madfientist.com/happiness-through-subtraction/
Mindy On Money: https://www.mindyonmoney.com
Mindy On Money facebook group: https://www.facebook.com/groups/mindyonmoney
Watch on YouTube: https://www.youtube.com/watch?v=oplVfhnYIZQ

Thanks for listening!

How To Evolve With Your Money Jun 19, 2024

Carl and I didn't do a good job of evolving with money. Even after we had more than enough, we continued to behave like broke college students in many ways. Not good.

Consider the opposite situation: If you weren't wealthy and lost your job, you'd find ways cut your spending. So why do many of us not learn how to spend when our net worth grows?

But money shouldn't be wasted because you have more of it. It's complicated...

Links:

Amberly's FinTalks cruise (Carl and I are going!): https://www.amberlygrant.com/cruise
Mark Trautman: https://marksmoneymind.com/
Mindy On Money: https://www.mindyonmoney.com
Mindy On Money facebook group: https://www.facebook.com/groups/mindyonmoney
Watch on YouTube: https://www.youtube.com/watch?v=j5D2wsotf1Q

Thanks for listening!

Eric Cooper, Early Retirement At 50 Jun 12, 2024

Eric Cooper retired at 50, just a couple years after learning about FIRE. I'm tired and too lazy to write detailed notes for this one, but Eric is a good dude and this is a good show, so give it a listen.

Kristen Knapp: Tornados, Breaking Bad Habits, And Financial Independence Jun 05, 2024

Mindy (and Carl) interview KMOV meteorologist and good friend, Kristen Knapp.

Show notes:

Kristen forgives Carl for his weather jokes
Being a meteorologist isn’t as glamorous as what you’d think
Kristen’s crazy backstory
Reading Money magazine. As a kid!
Breaking out of generational habits
Does worrying serve you?

Links:

Camp FI: https://www.campfi.org
Facebook group: https://www.facebook.com/groups/mindyonmoney
Mindy On Money: https://www.mindyonmoney.com

Thanks for listening!

May Mindy Mailbag! May 29, 2024

In this episode, Mindy (and Carl) answer questions from the audience:

What does it mean to live life to the fullest?
Do you think that FI adherents have a better sense of living a full and rich life?
How to create mini goals or milestones for something to work towards in the short term.
How to evolve with money as you progress towards retirement.
Mindy’s obsession with buckets.

Links:

Scholarship: https://mindyonmoney.com/scholarship
Facebook group: https://www.facebook.com/groups/mindyonmoney

Thanks for listening!

Case Study: I Have $100,000 At Age 50. What Now? May 22, 2024

Jennifer is 50 and has $100,000. Can she retire with $1,000,000? Is this even a realistic (or good) idea?

Links:

Amberly's new podcast: https://www.amberlygrant.com/podcast
Social Security will be OK: https://awealthofcommonsense.com/2024/05/is-social-security-going-bankrupt/
Catching Up To FI: https://catchinguptofi.com/

Thanks for listening!

What We Learned From The FIRE Community May 15, 2024

We've learned so much from the FIRE community. And it goes way beyond the 4% Rule...

Links:

Tesla referral code: https://www.tesla.com/referral/carl68907
JL Collins: https://www.jlcollinsnh.com
Carl’s blog: https://www.1500days.com
Carl’s podcast: https://www.milehighfi.com
Fee only, FI advisors: https://www.downshiftfinancial.com
Budgets Are Sexy: https://www.budgetsaaresexy.com
Kolodij Tax: https://www.kolotax.com/

Thanks for listening!

Do You Regret Retiring Early? May 08, 2024

Someone recently asked Carl if he regretted retiring early. Mindy (and Carl) ponder the question on this week's episode.

Links:

Money Will Solve Money Problems: https://www.1500days.com/money-will-solve-money-problems/
Ramit: https://mindyonmoney.com/s1/2
Hoffman Process: https://www.hoffmaninstitute.org/the-process/
Pool School: https://www.swimuniversity.com/pool-podcast/
Hot Tubs 101 https://www.swimuniversity.com/hot-tub-podcast/

Thanks for listening!

Does FIRE Need A Rebrand? May 01, 2024

Mindy had an interesting conversation with a group of entrepreneur friends. None of them seemed to like the idea of FIRE. Or did they? What would you do if you had autonomy over your time?

Does FIRE need a rebrand?

Links:
- Alex Felice: https://www.alexandria.capital/home
- Mindy On Money: https://www.mindyonmoney.com
- Mindy On Money facebook: https://www.facebook.com/groups/mindyonmoney

Thanks for listening!

The Boring Middle Apr 24, 2024

The Boring Middle is the time between when you discover FIRE and when you retire. Dreaming about your Future FIRE Life is fun, but you've got to enjoy the time in between too.

Links:

The Mad FIentist interview: https://mindyonmoney.com/s1/22
BPCon Cancun!: https://biggerpockets.getregistered.net/conference-2024

Thanks for listening!

Mad Fientist: Life, Money, And The Pursuit Of Happiness Apr 17, 2024

Mindy (and Carl) talk to the FIRE legend, The Mad Fientist! They talk about their lengthy history, what they learned from Ramit, and the endless pursuit of happiness.

Links:

Thanks for listening!

Case Study: I'm About To Retire! Help!! Apr 10, 2024

Mindy (and Carl) tackle their first case study. Alex is about to retire from a high-powered career. What's next?

Mindy On Money Scholarship
Stanford walking study
Finding what you're meant to do: Taking Stock
Choose FI Local Groups
Longmont Meetup group
Camp FI
Carl's blog: 1500 Days
Mindy On Money Facebook group

Thanks for listening!

FI Haters Gonna Hate! Apr 03, 2024

Some people don't like FI events! Mindy (and Carl) talk about FI hate email.

Mindy On Money Scholarship
Amberly's FI Cruise
EconoMe
Choose FI Local Groups
Longmont Meetup group
Camp FI
Carl's blog: 1500 Days
Mindy On Money Facebook group

The Money Date Mar 27, 2024

Mindy (and Carl) talk about why it's important to have a money date before having their own. Along the way, Mindy invents a new word!

Links

Money Date on BiggerPockets Money (157)
Appearing on Ramit's show
BiggerPockets publishing: Lend to Live
How we're selling off our stocks (1500 Days): An Index Fund In Reverse
Helping the young on the road to financial independence: Sheeks Freaks
Mindy On Money scholarship
Buying a Tesla? Use our referral code for some perks!

Thanks for listening!

Cody Berman: Financial Independence Before 30 Mar 20, 2024

Cody Berman isn't even 30 and is already financially independent. He hustled and lived hard including delivering food on a bike and sleeping in a car. Along the way, he found a partner willing to make the same sacrifices. But how much of a sacrifice is it when you can build a net worth approaching $2,000,000 at the age of 27?

Cody's story is inspirational.

Links

J Money: Life After FI (With A Working Partner) Mar 13, 2024

J. Money from Budgets Are Sexy talks about financial independence, unexpected sickness, and navigating early retirement with a working partner.

Links

Sixteen Unconventional Money Questions To Ask Your Partner Mar 06, 2024

Mindy (and Carl) share 16 unconventional money questions to discuss with your partner. Carl also discusses farts.

Links

Download our list of questions to ask your partner: mindyonmoney.com/questions
Scholarship: mindyonmoney.com/scholarship
Join our facebook group: facebook.com/groups/mindyonmoney

Thanks for listening!

Financial Independence Sucks! Feb 28, 2024

Mindy and Carl love Financial Independence. But some don't...

On this podcast, Mindy and Carl discuss why some hate Financial Independence and why they're wrong.

Links

Thanks for listening!

The Top 14 Reasons To FI! Feb 21, 2024

Show notes

Mindy and Carl discuss the top reasons to pursue financial independence. Carl, Older Daughter, and Mindy lay out why you should pursue FI.

Links

Mindy On Money
Our favorite books
Our favorite resources
Don't sit too much!
EconoMe (save 10% with coupon code MOM)

Thanks for listening!

Bonus Episode: The Most Important Decision, Listener Takes! Feb 15, 2024

In this episode, we hear from our audience about yesterday's episode, the most important decision. Featured:

Rakesh
Lauren: creator of cFIREsim
Tom: The Frugal Gay blog and Instagram
Bill: Host of the Catching up to FI podcast
Doug: Niche Site Project and the lesser half of the Mile High FI podcast.

Links:

The Most Important Decision You'll Ever Make
Our favorite resources
EconoMe (save 10% with coupon code MOM)

Thanks for listening!

The Most Important Decision You'll Ever Make Feb 14, 2024

Show Notes

Is money what people really fight about?
Mindy and Carls’ first date
Mindy’s awful car
Questions to ask a potential partner
What happens when your money views diverge?
Money date
Whopper, whopper, whopper, whopper

Links

Mindy On Money
Our favorite resources
EconoMe (save 10% with coupon code MOM)

Brad Barrett: Get Your FI On! Feb 07, 2024

Show Notes

Brad, Mindy and Carl go way back
Early Money Memories
Brad’s lightning bolt money moment
Carl LOVES FIRE. Why don't you?
How to get others on board the FIRE train

Links

Diania Merriam And Mindset: From Scarcity To Abundance Jan 31, 2024

Mindy (and Carl) talk to Diania Merriam about mindset, community, EconoMe, and much more!

How fear mindset holds us back
How do we become less afraid?
EconoMe
Community
Stick around for the outtakes!

Links

EconoMe (Enter MOM to save 10% off a ticket!)
Books Diania recommends
Carl's EconoMe talk
Mindy On Money YouTube channel

Thanks for listening!

JL Collins: Stories From The FIRE Front Jan 24, 2024

Mindy (and Carl) talk to JL Collins about financial independence and much more!

Financial Independence in a war zone
Pathfinders
How The Simple Path to Wealth got its name
How crock pots relate to financial independence
Why Mindy and Carl work on cruise boats
Is money your servant or your master?
The evolution of FIRE
RIP Chautauqua

Links

Thanks for listening!

JL Collins: Uncommon Questions Jan 17, 2024

Mindy (and Carl) talk to JL about his butt, his voice, the Simple Path to Wealth, and Chicago pizza.

Carl's stalking ways
JL loses his voice right before going on stage
JL's career as a flyswatter salesman
Is there such a thing as a born saver?
JL lived the FI-life before FI was a thing
The great pizza debate

Links

Enough (Should I Be Thoughtfully Reckless?) Jan 10, 2024

Today we talk about having Enough. Enough money. Enough investments to carry you through early retirement and on to traditional retirement.

How do you know when you have Enough?
And once you have it, how do you leap into the Great Beyond (quit your job)?
Should you be thoughtfully reckless?

And some ridiculous Cybertruck banter.

Links

MindyOnMoney site
Stuff we like
Mindy On Money YouTube
Enough worksheet: https://mindyonmoney.com/enough
Playing With FIRE book

Thanks for listening!

2023 Review Jan 05, 2024

Show notes

Our 2023 in review! Our investments did great! We also spent a lot. Like, A LOT! We completed tons of home projects, too! (And Carl didn't lose any fingers! Bonus!)

2023 was a good year, but we have room to improve...

Links

Regrets, We've Had A Few Jan 04, 2024

We didn’t do financial independence right. Too much flipping, not enough living.

Dear listeners, we hope that our story helps you.

Links

How We Made Our Money Jan 03, 2024

Carl and I discuss how we created our FIRE Portfolio, how we made our money. And talk about our marriage. Our investments are diversified while our marriage is not.

Frugality: Sourcing clothes from the trash, judgy neighbors, and NOT taking vacation time
Live-in flips: Making money by living in a construction zone! Fun! Maybe... And Menard's. Save Big Money!
Investments: Carl likes tech

Other stuff: