HeyJared9 to FI - Financial Independence Conversations
9 to FI is a Financial Independence podcast hosted by Elliot and Josh from St. Louis. Together, they share honest commentary on their journey to FI—covering wins, challenges, and lessons learned along the way.
- Indexed episodes, last 90 days
- 9
- Latest publication
- Sep 21, 2026
- Audience
- Checking…
- Earliest in this view
- Jul 6, 2026
Latest episodes
Credit Card Hacking Mistakes and Delaying Early Retirement | 9 to FI 058 (opens the original)
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Credit Card Hacking Mistakes, Annual Fee Cleanup, and Early Retirement Doubts Josh introduces a conversation with Elliot focused on credit card hacking and, later, Elliot’s thoughts about possibly extending his early retirement timeline. They discuss a St. Louis heat wave, their current FIRE stages (Elliot nearing retirement; Josh 1.5 years into early retirement after leaving work in April 2025), and listener feedback on fear of boredom. Josh shares a cautionary tale from years of chasing sign-u
Spending on Convenience, Rental Deadlines, and a New Weekly Planning System | 9 to FI 057 (opens the original)
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Spending on Convenience, Rental Deadlines, and a New Weekly Planning System Josh and Elliott catch up after a short break and note that releasing episodes every other week has coincided with a spike in views, listens, and listener feedback. They revisit their “spending on convenience” challenge: Elliott tried Aldi curbside grocery pickup and found it saved weekend time, while Josh sought quotes to outsource drywall and painting on a vacant rental but declined after receiving a nearly $7,000 esti
Fear of BOREDOM and losing the "big shovel" - approaching Early Retirement | 9 to FI 056 (opens the original)
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Elliot’s Pre-Retirement Fears: Boredom, the Big Shovel, and Trusting the FI Math Josh and Elliot decide to continue the podcast after receiving encouraging listener feedback and invite more comments via email and Spotify. They focus on Elliot’s approaching planned exit from his W-2 job after March 1, 2027, timed to a mid-February bonus and RSUs vesting March 1, while noting he may pivot if circumstances change. Elliot describes an “existential” unease about early retirement, mainly fear of bored
The Beginning Of The End? | 9 to FI 055 (opens the original)
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Where Do We Go From Here? Rethinking the Podcast Cadence Josh and Elliot open by discussing 311 announcing a St. Louis show at The Factory in Chesterfield on November 11 (recorded August 11) and then shift to the future of their podcast after missing their first Monday release in a year. They compare it to pointless corporate reporting that no one noticed when stopped, noting they’ve received no listener complaints. They enjoy the conversations but find weekly editing, scheduling, and generating
Spending On Convenience | 9 to FI 054 (opens the original)
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Convenience Spending Experiments: Lawn Care, Cleaning, Food, and Outsourcing for FI Josh and Elliot discuss “convenience spending” and how it fits into financial independence, comparing DIY habits with paying for services that save time or improve life. Josh shares success with professional lawn fertilization but struggles to outsource more, while Elliot happily pays for lawn mowing and considers home cleaning despite kids quickly undoing results. They cover other convenience spends and trade-of
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