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Artwork for Catching Up to FI
Financial Independence
Retirement Planning
Personal Finance
Investing
Financial Literacy
Debt Management
Community Support
Financial Planning
Social Security
Mental Health
Budgeting
Money Management
Mindset
Behavioral Finance
4% Rule
Financial Education
Estate Planning
FIRE Movement
Savings Rate
Stock Market

A mindset, money, and life podcast for late starters catching up to Financial Independence.

PublishesTwice weeklyEpisodes240Founded4 years ago
Number of ListenersCategories
InvestingBusiness

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Artwork for Catching Up to FI

Latest Episodes

Exposed! We go behind the scenes with industry experts and disrupters in the retail car-buying market, Ray and Zach Shefska. They are the powerful father-son team behind CarEdge, a car-buying platform that's fighting fiercely for transparency. Ray br... more

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What if the biggest retirement risk isn't running out of money, but being too afraid to spend the money you worked decades to build? Personal finance icon Jean Chatzky joins Bill and Jackie to tackle the psychology and math behind turning a lifetime ... more

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What happens when you finally reach financial independence and your brain responds with, "Great, now what?" In this special crossover from ChooseFI, Ginger turns the microphone on Bill and digs into the part of financial independence that spreadsheet... more

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A 72(t) plan is little-known IRS provision which gives you a perfectly legal way to access your retirement money before 59½ without the 10% penalty. In this second half of the 2-part episode, Jackie brings back Mr. 72t, William (Bill) Stecker, CPA an... more

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Recent Guests

Bill Stecker
Founder and owner of 72tcalc.com
72tcalc.com
Episode: Retiring Early? CPA Explains How To Use A 72(t) to Escape The 10% Penalty | Bill Stecker (Part1) | 234
Barry Ritholtz
Investment expert and host/author known for deep industry analysis
Investor and author
Episode: Vanguard Acquires Altruist: Why Fidelity & Schwab Better Look Out! | Barry Ritholtz | Bonus
Raag Vamdatt
Rishi's father
Vamdatt family
Episode: The Truth Behind Raising A Teenage Money Whiz (From The Parents Of Rishi Vamdatt) | Renu & Raag Vamdatt | 232
Renu Vamdatt
Rishi's mother
Vamdatt family
Episode: The Truth Behind Raising A Teenage Money Whiz (From The Parents Of Rishi Vamdatt) | Renu & Raag Vamdatt | 232
Rishi Vamdatt
16-year-old personal finance educator and founder of Easy Peasy Finance
Easy Peasy Finance
Episode: This 16-Year-Old CFP Exam Passer Is Making Personal Finance "Easy Peasy" | Rishi Vamdatt | 231
Frank Vasquez
Finance educator and guest expert on bonds and portfolio construction
Catching Up to FI / Risk Parity concepts
Episode: More Bonds, James, Bonds: Rethinking Your BND Strategy (Part 2) | Frank Vasquez | Episode 230
Bernadette Joy
Author of Crush Your Money Goals; speaker and coach
Crush Your Money Goals / Plutus Impact Summit
Episode: How to Retire at 40: Her Debt-Crushing Path to Financial Independence | Bernadette Joy | 228
Dan Otter
Teacher, PhD, executive director of 403bwise.org
403bwise.org
Episode: How K-12 Teachers Can Beat the Broken 403(b) System | Dan Otter & Scott Dauenhauer | 226
Scott Dauenhauer
CFP, owner of Meridian Wealth Management
Meridian Wealth Management
Episode: How K-12 Teachers Can Beat the Broken 403(b) System | Dan Otter & Scott Dauenhauer | 226

Hosts

Bill Yount
Host with a long-running FI focus; frequent guest interviews and practical retirement guidance.
Jackie Cummings Koski
Co-host bringing CFP/ AFC credentials and emphasis on education, practical money management, and FI mindset.

Reviews

4.8 out of 5 stars from 550 ratings
  • Catching Up to FI: My Favorite Financial Independence Podcast

    Catching Up to FI is my favorite FI podcast! It’s so relatable and encouraging. Wherever you are on the FI journey, Jackie and Bill make financial independence feel attainable. Their personalities and approaches complement each other beautifully, and I always come away amused, enlightened, and inspired.

    Apple Podcasts
    5
    Zionsanchez
    United States14 days ago
  • So concretely helpful!

    This show has been full of actionable information, which is why I prefer it to all the other FI & planning podcasts that I’ve tried. I love the inspirational & storytelling aspects of it, but hearing concrete info is why I like it so much. Bill & Becky are very welcoming & make it feel like a community, even just as a listener to the podcast. Thank you Becky for the last year- we will all miss you! Looking forward to the next iteration of the podcast.

    Edit to change my review after the latest e... more

    Apple Podcasts
    1
    Neek of the North
    United States15 days ago
  • Wow

    I have been listening to Jackie and Bill for a little over a year now. I am a teacher who is getting close to retirement and they have such wonderful things and guess on their podcast since they were both late starters. I love this episode about the women’s retreats and hopefully I’ll be able to attend a couple. Thank you, Jackie and Bell for all you do.

    Apple Podcasts
    5
    IB Teach
    United States3 months ago
  • Bill talks too much

    I find the show topics good but Bill continues to talk more and more. I find that he speaks 85% of the time compared to 10% for the guest and 5% forJackie. Please just ask better questions and let your guest answer. It will make for a much better podcast.

    Apple Podcasts
    1
    esh1man
    United States4 months ago
  • Great stuff

    Bill and Jackie have built a fantastic platform for education on financial independence!!! Content so relative 🎉

    Apple Podcasts
    5
    Lgobp
    United States4 months ago

Listeners Say

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

Some episodes draw criticism for host airtime imbalance; guests desire more question-led interviews.
Listeners praise practical, actionable FI guidance and relatable hosts.
Guests and episodes are seen as informative and inspiring for late starters and educators alike.
Listeners appreciate the focus on real-world numbers and personal journeys.

Chart Rankings

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

Talking Points

Recent interactions between the hosts and their guests.

How to Build a Bulletproof 72(t) Plan: CPA Audits Jackie's Real #s | Bill Stecker (Part 2) | 235
Q: What are common pitfalls when dealing with a trustee or custodian regarding withdrawals?
Custodian rules vary; it's easy to misinterpret online prompts, so you should default to the IRS guidance, keep annual withdrawals simple, and ensure the plan does not rely solely on custodian actions, as miscommunications can lead to unintended distributions or penalties.
How to Build a Bulletproof 72(t) Plan: CPA Audits Jackie's Real #s | Bill Stecker (Part 2) | 235
Q: Can you mix Roth conversions with a 72T plan?
No, you cannot mix Roth conversions with a 72T plan from the same IRA; if you have funds left after a Roth conversion, you'd need a separate IRA to implement the 72T, and you should evaluate whether doing both is feasible given tax and five-year rules.
How to Build a Bulletproof 72(t) Plan: CPA Audits Jackie's Real #s | Bill Stecker (Part 2) | 235
Q: Where should someone start when building a 72T plan?
Begin with the principal/deferred account balance, then pick an interest rate (often 5%), and finally determine the appropriate life expectancy to feed into the amortization calculation, using a reliable calculator and cross-checking with multiple sources.
The Income Trap: How Not to Become A Millionaire | ChooseFI Crossover | 236
Q: What was your experience like when you first hit FI and realized you still weren't ready to quit?
The realization was that hitting the number isn't the end; it's a threshold that reveals deeper questions about purpose, identity, and the next steps, prompting a gradual glide path rather than an abrupt cliff.
Vanguard Acquires Altruist: Why Fidelity & Schwab Better Look Out! | Barry Ritholtz | Bonus
Q: what makes Vanguard's entry different from previous disruptors in the space?
He emphasizes Vanguard's sustained scale, tech investments, and the 'Vanguard Effect' where their entry tends to push competitors to be more efficient, reducing costs for investors and raising the bar for service.

Audience Metrics

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Frequently Asked Questions About Catching Up to FI

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

This show centers on financial independence for late starters, blending practical money moves with big-picture mindset and life design. Across episodes, guests range from CFPs and financial educators to advocates for smarter retirement options, debt payoff, philanthropy, and intergenerational wealth. Listeners can expect approachable explanations of pensions, bonds, 403(b) reform, and value-driven investing, often paired with personal stories that illustrate real-world paths to FI well after traditional retirement timelines. A notable throughline is turning complex financial decisions into actionable, sustainable strategies, with guests who combine technical expertise with a lived experience of late-start FI.

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How many listeners does Catching Up to FI get?

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To see how many followers or subscribers Catching Up to FI has on Spotify and other platforms such as Castbox and Podcast Addict, simply upgrade your account. You'll also find viewership figures for their YouTube channel if they have one.

Which podcasts are similar to Catching Up to FI?

These podcasts share a similar audience with Catching Up to FI:

1. ChooseFI | Financial Independence Podcast
2. Mile High FI Podcast
3. BiggerPockets Money
4. Afford Anything | Get Smarter With Money
5. Earn & Invest

How many episodes of Catching Up to FI are there?

Catching Up to FI launched 4 years ago and published 240 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 Catching Up to FI?

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What guests have appeared on Catching Up to FI?

Recent guests on Catching Up to FI include:

1. Bill Stecker
2. Barry Ritholtz
3. Raag Vamdatt
4. Renu Vamdatt
5. Rishi Vamdatt
6. Frank Vasquez
7. Bernadette Joy
8. Dan Otter

To view more recent guests and their details, simply upgrade your Rephonic account. You'll also get access to a typical guest profile to help you decide if the show is worth pitching.

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