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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 weeklyEpisodes231Founded4 years ago
Number of ListenersCategories
InvestingBusiness

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Artwork for Catching Up to FI

Latest Episodes

This is Part 2 of a 2-part Episode. Be sure to catch Part 1 that aired last week (August 2nd).

What if the safest-looking retirement portfolio is actually protecting you from the wrong disaster? In part two of Bill's bond marathon with Frank Vasque... more

What if bonds aren't dead at all—and we've just spent the last decade misunderstanding what job they were hired to do? Bill welcomes back Frank Vasquez, the hotdog-named engineer-lawyer-DIY investor behind Risk Parity Radio, for part one of a lively ... more

YouTube

What if crushing your money goals has less to do with finding the perfect formula—and more to do with getting lovingly bullied into taking action today? Bill and Jackie sit down with Bernadette Joy, a first-generation Filipino American who paid off $... more

YouTube

What if the smartest way to fix teacher retirement is not patching the broken 403(b) machine, but quietly building an exit ramp to something better? In this bonus conversation, Bill, Jackie, and Dan Otter keep pulling the thread on the teacher-retire... more

YouTube

Key Facts

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

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Recent Guests

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
Ben Carlson
Market historian and author
A Wealth of Common Sense / Blog author
Episode: Risk & Reward: Stress Testing the Long Term Buy and Hold Strategy | Ben Carlson | 225
Dr. Jay
Founder of Childfree Wealth and Childfree Trust; Host of Childfree Life by Design
Childfree Wealth / Childfree Trust
Episode: You Hit The Number, Now What? | Childfree Life By Design Crossover | 224
Rebecca Herbst
Philanthropy advocate and founder of Yield and Spread
Yield and Spread
Episode: FIlanthropy: Radical Impact Giving Without Risking Your Retirement | Rebecca Herbst | 223
Afra Smith
Founder of The Melanin Project; creator of Wealth Empowerment Conference
The Melanin Project
Episode: Unbanked, Buried In Payday Loans & A 500 Credit Score: This Late-starter Overcame It All! | Afra Smith | 222
Allen Mueller
CFA, CFP; founder of 7 Saturdays Financial; wealth management expert
7 Saturdays Financial
Episode: Intergenerational Wealth: Strategies to Help Your Family NOW (Not Later) | Allen Mueller | 221
Sarah Susanka
Architect and author, originator of the Not-So-Big philosophy
Not-So-Big / Susanka
Episode: Not So Big Life Design: The Architecture of Wealth | Sarah Susanka | 220

Hosts

Bill Yount
Host with a background in personal finance, co-host of the show, often shares FI journey and practical guidance.
Jackie Cummings Koski
Co-host and CFP/AFC, leads financial-education framing and has a strong focus on accessibility of FI concepts.

Reviews

4.8 out of 5 stars from 549 ratings
  • 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 States2 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 States2 months ago
  • Let the guest speak!

    I have been a long time listener and I have more recently noticed that Bill tends to talk more than the actual guest. His lofty language, references, personal takes on the content are frequently long winded and privileged point of view that are honestly distracting. I wish he would just practice more listening than talking. I now usually fast forward when Bill speaks. Go write a book if you have so much to say. Most of it just isn’t helpful but his ego about his FI journey. A real turn off f... more

    Apple Podcasts
    2
    FI@55
    United States3 months ago
  • Informative and Interactive

    I love Bill and Jackie because of the topics that they discussed and shared to everyone especially for those of us trying to navigate retirement and investment. Their podcast is part of my morning routine while working out. I am always looking forward for the new episode. Kudos to both of you!!!

    Apple Podcasts
    5
    Marife K
    United States3 months ago
  • Great show!

    This is an inspiring and reassuring show for anyone who wants to gain back their time. I love the fact that both Jackie and Bill have different FI journeys and perspectives. I love the stories and the real numbers that are offered.

    Apple Podcasts
    5
    Sylvia--fan!
    United States4 months ago

Listeners Say

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

Show is especially encouraging for late starters and those nearing retirement.
Many appreciate the focus on mindset along with numbers.
Audience notes the value of real-life stories and actionable steps over theory.
Listeners praise practical, down-to-earth guidance and relatable guests.
Requests for fewer ads indicate appetite for deeper content and sponsor integration when relevant.

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 Retire at 40: Her Debt-Crushing Path to Financial Independence | Bernadette Joy | 228
Q: What was the initial debt load and how did you begin paying it off?
She paid off debt by applying small daily increments (e.g., $100 a day), cutting unnecessary expenses, and aggressively increasing income, turning a large problem into manageable daily actions.
Are Bonds Dead?: Fixed Income Fundamentals (Part 1) | Frank Vasquez | Episode 229
Q: What are tips, and when were they brought to the market?
Treasury Inflation Protected Securities (TIPs) are treasury bonds with built-in inflation protection. They typically offer a lower nominal rate plus inflation adjustments, so investors can hedge against rising prices, unlike nominal Treasuries which pay a fixed rate.
Shocking Truths About Women's Financial History You Need to Know | Our Sheconomy Gameshow | 219
Q: When did Equal Pay Day occur in 2026?
Equal Pay Day in 2026 occurred on March 26, with variations by demographics showing different dates for Black and Latina women.
How to Retire Sooner and Spend More: Risk-Based Guardrails Explained | Aubrey Williams | 216
Q: So Aubrey, how should people think about withdrawal when they reach FI and are planning their withdrawal strategy?
The approach is to model spending with guardrails, incorporate future income streams, and stress-test against historical downturns so you know when to adjust rather than sticking rigidly to a flat, inflation-indexed withdrawal.
Why You Should Stop Beating Yourself Up for Starting Late | "How To Money" Crossover | 215
Q: Is it possible to go too hard in trying to make up for lost time, and how should someone pace themselves?
Bill emphasizes balance and a phased transition, recommending a sustainable savings rate (around 25-40%), gradual downshifting from high work hours to a more balanced life, and prioritizing time and health alongside money.

Audience Metrics

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

Listeners per Episode
Gender Skew
Location
Interests
Professions
Age Range
Household Income
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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 strategies with real-life stories to show that FIRE is achievable at any age. Episodes frequently explore how to optimize retirement spending, avoid common traps (like over-optimism or lifestyle inflation), and use tools, guardrails, and open-source resources to stress-test portfolios. Guests range from financial-advisory professionals and estate planners to educators and practitioners who share actionable steps, personal journeys, and mindset shifts that help listeners rebalance time, health, and money. Notable strengths include data-driven frameworks, a welcoming community for late starters, and a willingness to interrogate conventional rules (like the... more

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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 Podcast
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 231 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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What guests have appeared on Catching Up to FI?

Recent guests on Catching Up to FI include:

1. Bernadette Joy
2. Dan Otter
3. Scott Dauenhauer
4. Ben Carlson
5. Dr. Jay
6. Rebecca Herbst
7. Afra Smith
8. Allen Mueller

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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