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ChooseFI

509 | Getting Personal with Personal Finance | Ginger & Kim

ChooseFI

Brad Barrett | Choose FI Media

Financialindependence, Investing, Firemovement, Passiveincome, Frugalliving, Personalfinancepodcast, Daveramsey, Careers, Business, Earlyretirement, Habits

4.8 • 5K Ratings

🗓️ 13 September 2024

⏱️ 45 minutes

🔗️ Recording | iTunes | RSS

🧾️ Download transcript

Summary

In this episode: surpriseFI, minimalism, frugality, emotional and psychological aspects of FI, and alternative lifestyles.

We often get a lot of great ideas and questions from the FI community, and what better way to answer some as well as inspire than bring in one of our own to discuss their journey! In this special Friday episode, Ginger is joined by member of the FI community, Kim, to discuss how she found herself on her “surpriseFI” journey. Together, the pair talks about balancing frugality and minimalism, the importance of designing the life you want, as well as share some resources and recommendations that helped her on her journey!

🔑 Key Themes Discussed:

  • The journey to achieving Financial Independence (FI) through surprise and discovery
  • Minimalism, frugality, and living below your means as a path to freedom
  • Transitioning from work life to financial independence and early retirement
  • Personal reflections on housing, relationships, and travel in post-retirement life
  • Emotional and psychological aspects of financial independence
  • Strategies for aligning personal values with financial decisions
  • Exploring alternative lifestyles: hatchback camping, Peace Corps, and low-cost living

🕒 Chapters:

  • 00:00 – Introduction and How Kim and Ginger Met
  • 02:00 – Kim’s Journey to Surprise Financial Independence
  • 06:00 – Experimenting with Early Retirement: Leave of Absence Strategy
  • 09:00 – Living Frugally: Kim’s Minimal Spending Habits
  • 12:00 – Kim’s Unique Housing Situation and Thoughts on Real Estate
  • 15:00 – The Role of Minimalism in Achieving Financial Freedom
  • 17:00 – Life After Retirement: Adventure, Travel, and Hatchback Living
  • 23:00 – Challenges and Opportunities in Dating After FI
  • 27:00 – Personal Growth, Goals, and the Desire for Meaningful Projects
  • 33:00 – Financial Planning Tools and Resources for FI
  • 35:00 – Balancing Frugality and Enjoyment: Traveling on a Budget
  • 40:00 – Final Thoughts: Kim’s Recommendations for an Extraordinary Life

Transcript

Click on a timestamp to play from that location

0:00.0

Hi everybody it's ginger and I'm here today without Brad.

0:04.0

Brad often talks about how this is the ultimate crowdsource personal finance

0:08.3

podcast so many of the questions and ideas and strategies come from you guys come from the community and

0:14.8

today's episode is in that tradition but I want to ask along with those hacks and analyses

0:21.8

can we get personal about personal finance.

0:25.0

So today I'm interviewing Kim, a member of this community who is financially independent,

0:30.0

and we're going to talk about how she accomplished that feat and then I'm going to ask her all of the

0:36.3

questions that you are dying to hear the answers to you. So stay tuned and welcome to choose if I.

0:50.0

Kim! Chincher!

0:51.0

We have to start by telling the story of how we are sitting here in my living room together.

0:59.0

By all rights, we should not be here, sipping coffee on your couch.

1:02.0

It's too bizarre. It's too bizarre. So I met Kim at the

1:06.0

extraordinary life event in Vegas and actually I met her about the last hour that I was at the event.

1:14.7

We ended up at the same table.

1:16.6

And she's one of those people who you just like instantly,

1:21.0

like in the first minute. And you know how it is like that with some people.

1:26.2

And there's other people who, on paper, you have so much in common with, and you know that

1:31.6

you should be really great friends and it just

1:33.4

doesn't work and then there's people who you meet instantly and you want to be

1:36.9

their friend I felt that way about you. I was so sad when you said you had to leave

1:40.9

so Kim was one of those people and we really connected in that short little time and then I had to catch a plane. I actually got to the airport way too early and I was like embarrassed for myself even though no one knew that that's what had happened. I was like why am I sitting here?

1:58.8

But I was so worried about missing the flight. But anyway, so that's where we met and then recently I was talking to

...

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