HeyJaredChooseFI
How would your life change if you reached Financial Independence and got to the point where working is optional? What actions can you take today to make that not just possible but probable.
- Indexed episodes, last 90 days
- 14
- Latest publication
- Sep 28, 2026
- Audience
- Apple #167 · US
- Earliest in this view
- Jul 6, 2026
Latest episodes
619 | The Student Loan Rulebook Was Rewritten | Travis Hornsby (opens the original)
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The federal government just split student loan borrowers into two groups: those who borrowed before July 2026 keep access to income-driven repayment and forgiveness strategies, while everyone after gets strict caps, fewer options, and tax bills on forgiven debt. If you're on the wrong side of that line—or helping someone navigate it—the math on graduate school, Parent PLUS loans, and even retirement contributions just changed. The July 2026 Dividing Line – 00:05:30 The One Big Beautiful Bill Act
618 | You Learned How to Save. Now Learn How to Spend | Jesse Mecham (opens the original)
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Every dollar you save is just money you're planning to spend later—so why does no one talk about the skill of spending well? Jesse Mecham, founder of YNAB, couldn't justify buying a fifty-cent donut despite being objectively "good at money," and that moment of extreme frugality sparked a crisis that would reshape how he thinks about every financial decision. Key Topics Discussed What's Money For? 00:02:30 Jesse explains why the fundamental question "What is this money for?" is more important tha
617 | The Hidden Assumption in Every Retirement Calculator (opens the original)
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Most retirement calculators assume your money needs to last until age 95. But if you're 55 years old today, average life expectancy is actually 79 for men and 82 for women. This single hidden assumption could mean the difference between retiring five years earlier or leaving millions unspent. Key Topics Discussed 00:00:00 - Introduction: The Hidden Assumption Brad introduces the concept that retirement calculators make an invisible assumption about longevity—typically planning to age 90-95—and e
616 | How Should You Give Money to Your Kids? | 529s, UTMAs, Trump Accounts & More (opens the original)
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Most parents rush to open 529 plans for newborns, convinced they're building their child's future. But here's what financial experts won't tell you: that decision might be destroying more value than it creates. The accounts marketed most aggressively to new parents often provide minimal benefit while eliminating the flexibility you'll actually need. Topics Discussed Introduction and Episode Framework (00:00:00) Brad Barrett sets the stage with Sean Mullaney and Cody Garrett for a discussion on g
615 | How to Get More Years of Freedom | Fritz Gilbert (opens the original)
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Eight years into financial independence, Fritz Gilbert discovered something surprising: learning to spend money is harder than learning to save it. After decades of optimizing every dollar toward early retirement, he found himself in a 90-minute internal debate over whether to spend an extra $3,500 on a better e-bike—despite being financially secure and ahead of his retirement projections. The Starting Line, Not the Finish 00:08:15 - Fritz introduces his core philosophy that FI isn't the finish
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Apple #167 · US
Measured Sep 19, 2026
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