Rephonic
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 weeklyEpisodes244Founded4 years ago
Number of ListenersCategories
InvestingBusiness

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Artwork for Catching Up to FI

Latest Episodes

Erin Moriarity, the plain-English force behind Erin Talks Money, joins Bill and Jackie to unpack why retirement planning gets easier when we stop worshipping giant portfolio numbers and start thinking in income, spending, and real life. Erin traces h... more

YouTube

What if the smartest financial planning move isn't a 100-page plan, but one question that makes you stop and say, "Wait... I can do that?" In this crossover with the AICPA Personal Financial Planning Podcast, Jackie puts on her professional hat for t... more

YouTube

Need to figure out health insurance on your own? It's a little scary if you don't get it through an employer and too young for Medicare, but there are lots of options. In Part 2 with health insurance broker, Lyndia Cunningham, Bill and Jackie put ear... more

YouTube

What if the biggest thing standing between you and early retirement isn't your savings... it's your health insurance? Bill and Jackie welcome Lyndia Cunningham of Move Health to tackle the healthcare headache that keeps so many Americans working unti... more

YouTube

Key Facts

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Recent Guests

Lyndia Cunningham
Licensed health insurance and Medicare Advisor since 2017, Move Health
Move Health
Episode: How to Get Health Insurance When You Retire Early | Lyndia Cunningham(Part 1) | 239
Ray Shefska
Co-founder of CarEdge, 43+ years in automobile business
CarEdge
Episode: The Hidden Truth Behind Car Buying: Fighting For Transparency Over Deception | Ray & Zach Shefska | 238
Zach Shefska
Co-founder of CarEdge, entrepreneur
CarEdge
Episode: The Hidden Truth Behind Car Buying: Fighting For Transparency Over Deception | Ray & Zach Shefska | 238
Jean Chatzky
New York Times bestselling author and founder of hermoney.com, financial educator
hermoney.com
Episode: 61% of Americans Fear Outliving Their Money: Here's the Fix | Jean Chatzky | 237
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
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

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 558 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 Statesa month 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 Statesa month 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 States4 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 Get Health Insurance When You Retire Early | Lyndia Cunningham(Part 1) | 239
Q: What role do subsidies play in ACA plans for early retirees?
Subsidies are determined by household income and MAGI, with changes over time (American Rescue Plan expanded subsidies temporarily; future changes depend on policy). Many retirees must plan around potential income fluctuations to maximize or preserve subsidies.
How to Get Health Insurance When You Retire Early | Lyndia Cunningham(Part 1) | 239
Q: How does COBRA compare to private off-market plans?
COBRA preserves employer-based coverage and is ACA-compliant, often with high costs since the employer subsidy is no longer applied; off-market plans may be cheaper but can lack subsidies and have state-specific restrictions.
How to Get Health Insurance When You Retire Early | Lyndia Cunningham(Part 1) | 239
Q: What options exist outside of the Affordable Care Act for someone retiring early?
Non-ACA options include short-term and major medical plans, retiree benefits, and faith-based or community-based plans, each with varying underwriting rules and pre-existing condition coverage. These are contrasted with ACA plans that offer subsidies and guaranteed issue.
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.

Audience Metrics

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

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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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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 244 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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Where can I see ratings and reviews for 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. Lyndia Cunningham
2. Ray Shefska
3. Zach Shefska
4. Jean Chatzky
5. Barry Ritholtz
6. Raag Vamdatt
7. Renu Vamdatt
8. Rishi Vamdatt

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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