Hello and welcome to choose a fight today in the show we have a mail back episode where we're answering your questions that you've sent in through my email newsletter and through our feedback at choose a buy.

email address and I have my good friend Cody Garrett to help give an expert opinion on this.

Cody is a CFP and the founder of Measured Twice Money.

He joined us back in episode 352, and he is quite possibly the person that I referenced the most in my newsletter and he's just putting out incredibly helpful content every single week on Twitter and Facebook and I'm just so happy to have him here.

And we're going to talk through a bunch of questions including inflation and financial

independence, ACA subsidies and early retirement,

text stock over concentration,

capital gains tax ability,

and Roth 401k versus Roth IRA.

This is going to be a really wonderful episode.

And with that, welcome to choose that fine.

Cote thank you for being here I am so excited for this. Yeah, it's so nice to be here. Again, the shoes

if I community is like, like I wish that was my neighborhood. Like these are my people, so I'm really

excited to be here. Oh, I love I love that and it's funny because in

2024 and beyond I'm actually really focusing on our choose of my local groups so to hear that this is my community

this is who I want to live near in essence,

like be part of my life. That's something I'm really working on in 2024.

So all right, Cody, let's get right to it. We have five questions ideally that we'd like to get to. So the first one came

in from Wilson and Wilson said something that seems to come up a bit in the

Facebook group is the concept of how inflation affects your fine number,

especially if you're a long way from achieving that number or determining when you're Coase FIE.

You always discuss this by using a 7% return rate because that is a real rate of return, already

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