
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.
| Publishes | Weekly | Episodes | 54 | Founded | a year ago |
|---|---|---|---|---|---|
| Number of Listeners | Categories | BusinessInvesting | |||

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
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
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Love hearing from everyday FI people
Love how down to earth these guys are. Great chemistry and approachable on the FI message. Can’t wait to hear more!
Key themes from listener reviews, highlighting what works and what could be improved about the show.
How this podcast ranks in the Apple Podcasts, Spotify and YouTube charts.
Apple Podcasts | #238 | |
Apple Podcasts | #243 | |
Apple Podcasts | #249 |
Recent interactions between the hosts and their guests.
Listeners, social reach, demographics and more for this podcast.
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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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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
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.
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Recent guests on 9 to FI include:
1. Alan Hansen
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