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Artwork for 9 to FI

9 to FI - Financial Independence Conversations

Elliot and Josh
Financial Independence
Personal Finance
Retirement
Budgeting
Early Retirement
Time Management
Burnout
Productivity
Retirement Planning
Real Estate
Withdrawal Strategy
Healthcare Costs
Housing Decisions
Personal Development
St. Louis
France
Investing
Asset Allocation
Debt Management
Frugality

9 to FI is a Financial Independence podcast hosted by Elliot and Josh from St. Louis. Together, we share honest commentary on our journey to FI—covering wins, challenges, and lessons learned along the way. With real conversations and practical insights, we aim to help others navigate the same path, taking Financial Independence from dream to reality.

PublishesWeeklyEpisodes54Foundeda year ago
Number of ListenersCategories
BusinessInvesting

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Artwork for 9 to FI

Latest Episodes

Camp FI Road Trip Plans, FI Book Takeaways, and Staying Positive in the Heat

Josh and Elliot record a grab-bag episode before leaving for Camp FI Rocky Mountain 1.5, discussing midweek camps and travel logistics. Josh is extending the trip with a so... more

Estimating ACA Health Insurance Costs for Early Retirement: Subsidies, MAGI, and Plan Choices

Elliot and Josh discuss healthcare as a major early-retirement cost and review a BiggerPockets Money episode featuring free tools for estimating ACA premiu... more

Episode 50 Recap: Revisiting Our Biggest FIRE Decisions, Community, and Plans

Josh and Elliot celebrate reaching 50 podcast episodes and recap prior discussions to see what changed. Josh’s high-mileage Chevy Colorado is still running and he plans a ... more

YouTube

The Hardest Part of Early Retirement: Mental Health, Rumination, and Finding HappinessJosh and Elliot discuss common challenges of early retirement—shifting from saving to spending, boredom, healthcare uncertainty (ACA subsidies and planning), loss o... more

YouTube

Key Facts

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Podcast Host
Number of Listeners
Find out how many people listen to this podcast per episode and each month.

Similar Podcasts

People also subscribe to these shows.

Mile High FI Podcast
Mile High FI PodcastDoug Cunnington, Mr. Money Mustache, & Carl Jensen
Catching Up to FI
Catching Up to FIBill Yount & Jackie Cummings Koski
Inside Out Money
Inside Out MoneyMaggie Tucker
Earn & Invest
Earn & InvestJordan Grumet (Doc G)

Recent Guests

Alan Hansen
Main content producer and presenter for FI 201 session (local group leader)
Choose FI/networked FI groups
Episode: FI 201 - Moving to Crypto and Gambling | 9 to FI 043

Hosts

Elliot
Host of the show, co-host; long-running FI advocate with focus on practical strategies and lifestyle design.
Josh
Host of the show, co-host; co-captain of FI journey discussions and audience-focused explanations.

Reviews

4.8 out of 5 stars from 28 ratings
  • EverydayFI

    Love hearing from everyday FI people

    Apple Podcasts
    5
    bophia21
    United States7 months ago
  • Normal talk, extraordinary content

    Love how down to earth these guys are. Great chemistry and approachable on the FI message. Can’t wait to hear more!

    Apple Podcasts
    5
    Fi Enthusiast
    United States8 months ago

Listeners Say

Key themes from listener reviews, highlighting what works and what could be improved about the show.

Listeners appreciate the hosts' down-to-earth vibe and practical FI guidance.
The chemistry between hosts is consistently highlighted as a strength.
Audience sees value in transparent, personal storytelling and real-world experiments.

Chart Rankings

How this podcast ranks in the Apple Podcasts, Spotify and YouTube charts.

Apple Podcasts
#238
Netherlands/Business/Investing
Apple Podcasts
#243
Denmark/Business/Investing
Apple Podcasts
#249
Russia/Business/Investing

Talking Points

Recent interactions between the hosts and their guests.

Raising a FIRE-Conscious Family | 9toFI 013 | 9 to FI Podcast
Q: What would be a family splurge that you will always say yes to?
Experiences and fun dinners as a family to create bonding memories.
Raising a FIRE-Conscious Family | 9toFI 013 | 9 to FI Podcast
Q: If your kids were to achieve FIRE before 30, what would you tell them?
I'd encourage them to know themselves and be mindful about what they want to do with their time.
Crafting Community on the Road to FI | 9toFI 008 | 9 to FI Podcast
Q: Did you ever go out of your way to attend any in-person events?
Elliot shares his experience that while he started with small local gatherings, his experience improved significantly after attending larger events.
Crafting Community on the Road to FI | 9toFI 008 | 9 to FI Podcast
Q: How has that evolved for you and what does that community look like in your case?
Elliot describes how his community has evolved from primarily being based around work to incorporating more personal interests and neighbors, particularly as his kids entered sports.

Audience Metrics

Listeners, social reach, demographics and more for this podcast.

Listeners per Episode
Gender Skew
Location
Interests
Professions
Age Range
Household Income
Social Media Reach

Frequently Asked Questions About 9 to FI

What is 9 to FI about and what kind of topics does it cover?

Two hosts document their personal journey toward financial independence with candid, practical discussions about saving, investing, early retirement, and lifestyle choices. Episodes cover real-world trades—such as paying off debt vs investing, comparing net worth to investable assets, 529 plans for kids, early withdrawals, and moving toward simpler, time-rich living—mixed with personal anecdotes, family considerations, and listener insights from a broader FI community. The show stands out for its down-to-earth tone, transparency about mistakes, and concrete tactics (like Roth ladders, 72T withdrawals, and budget audits) that listeners can adapt to their own paths. Across episodes, the hosts emphasize autonomy, intentional living, and the va... more

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Which podcasts are similar to 9 to FI?

These podcasts share a similar audience with 9 to FI:

1. Mile High FI Podcast
2. Catching Up to FI
3. Inside Out Money
4. ChooseFI | Financial Independence Podcast
5. Earn & Invest

How many episodes of 9 to FI are there?

9 to FI launched a year ago and published 54 episodes to date. You can find more information about this podcast including rankings, audience demographics and engagement in our podcast database.

How do I contact 9 to FI?

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What guests have appeared on 9 to FI?

Recent guests on 9 to FI include:

1. Alan Hansen

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