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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
Housing Decisions
Personal Development
St. Louis
France
Investing
Debt Management
Frugality
Cheapness
Education

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

PublishesWeeklyEpisodes45Founded9 months ago
Number of ListenersCategories
BusinessInvesting

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Artwork for 9 to FI

Latest Episodes

Previewing FI 201: Investing, Risk, Accounts, and SpeculationJosh and Elliot discuss Elliot’s upcoming FI 201 presentation for their local Choose FI group, co-presented with Alan Hansen, after their well-attended FI 101 session drew about 75 people a... more

YouTube

Should We Tap a 401(k) Early for Home Upgrades? A Middle-Class Trap Liquidity DebateJosh and Elliot discuss the “middle class trap” idea—having most wealth tied up in 401(k)s and home equity—and how it affects liquidity and flexibility. Josh is retir... more

YouTube

Morning Routines After FI: Slow Mornings, Habits, and StructureJosh and Elliot discuss the value of routines—especially morning routines—after retirement and in working life, sparked by Sarah sharing an Inside Out Money episode about compounding habi... more

YouTube

The Power of Saying No: Boundaries at Work, with Family, and with YourselfJosh and Elliot discuss how to say no to bosses, coworkers, friends, family, and oneself, reflecting on their shared people-pleasing tendencies. They open with accountability u... more

YouTube

Key Facts

Accepts Guests
Contact Information
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 & Carl Jensen
Two Sides of FI
Two Sides of FIJason and Eric
Inside Out Money
Inside Out MoneyMaggie Tucker
Earn & Invest
Earn & InvestJordan Grumet (Doc G)
Catching Up to FI
Catching Up to FIBill Yount & Jackie Cummings Koski

Recent Guests

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

Hosts

Josh
Host of the show; co-host with Elliott; central to FI journey discussions and practical planning.
Elliot
Co-host; shares personal FI journey and move-to-France perspective; active in retirement planning discussions.

Reviews

4.7 out of 5 stars from 7 ratings
  • EverydayFI

    Love hearing from everyday FI people

    Apple Podcasts
    5
    bophia21
    United States5 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 States6 months ago

Listeners Say

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

Relatable stories that blend personal finance with life moments.
Listeners appreciate the balance of math and lifestyle design, with useful takeaways for real-life budgeting and investing.
Down-to-earth hosts with great chemistry and practical FI insights.
Encouraging experiments and transparency about spending, budgeting, and FI milestones.
Well-produced conversations that feel actionable for both FI newcomers and veterans.

Chart Rankings

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

Apple Podcasts
#146
Denmark/Business/Investing
Apple Podcasts
#215
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 chronicle their ongoing Financial Independence journey with a practical, down-to-earth lens. Episodes consistently blend personal finance math (like 4% rules, mortgage decisions, and withdrawal strategies) with lifestyle design topics—travel, housing choices, and family planning—all aimed at turning FI from theory into daily reality. A standout throughline is.geo-arbitrage and international moves (notably France) as part of long-term planning, paired with honest reflections on trade-offs, time use, and the evolution of identity after reaching FI. Listeners likely value actionable budgeting, real-world budgeting experiments, and candid conversations about risk, health costs, and maintaining relationships while pursuing early retire... 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. Two Sides of FI
3. Inside Out Money
4. Earn & Invest
5. Catching Up to FI

How many episodes of 9 to FI are there?

9 to FI launched 9 months ago and published 45 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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