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Artwork for FI Minded: Bridging Pre FI Discipline and Post FI Freedom in Financial Independence

FI Minded: Bridging Pre FI Discipline and Post FI Freedom in Financial Independence

Justin Peters - Financial Independence Enthusiast
Financial Independence
Retirement Planning
Tax Efficiency
Geo-Arbitrage
Passive Income
Side Hustles
Raising Salary
Real Estate Investment
401(k)
Taxable Accounts
Investing
Early Retirement
Personal Finance
Frugality
Dating
Career Skills
Health Savings Account (HSA)
Tax Arbitrage
Roth IRA
Traditional IRA

FI Minded is the podcast for anyone seeking financial freedom, time freedom, and a work-optional lifestyle while learning to think like someone who’s already FI. We help you bridge the gap between pre-FI discipline and post-FI freedom, so you can make smarter decisions today while enjoying life along the way. Whether you’re just starting your FI journey or deep into Coast FI or Slow FI, this show ... more

PublishesTwice monthlyEpisodes192Founded6 years ago
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Artwork for FI Minded: Bridging Pre FI Discipline and Post FI Freedom in Financial Independence

Latest Episodes

For years, I assumed Roth contributions were the smarter move. Pay the taxes now, enjoy tax-free growth later, and never worry about future tax hikes. It felt simple and responsible. But during my highest-earning years, that mindset was quietly slowi... more

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The FI community is incredibly good at effort, optimization, and doing hard things for a long time. But somewhere along the way, many of us forget how to stop. Even after gaining more control over our time, we fill it back up with projects, commitmen... more

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Most people enter marriage with optimism and good intentions, but very few understand what actually causes relationships to fall apart over time. After spending 15 years inside divorce courtrooms and watching more than a thousand marriages unravel, t... more

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If you’re great at saving money but feel anxious, guilty, or uncomfortable spending it, I want to share 4 spending principles that have helped me.

Many people pursuing financial independence don’t struggle with discipline. They struggle with permiss... more

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Key Facts

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Recent Guests

Andy Hill
Creator of Marriage, Kids, and Money and author of the book, Own Your Time
Marriage, Kids, and Money
Episode: How to Create a 3-Day Workweek (Before You Reach FI) | E187 Andy Hill
Tess Waresmith
Financial educator and creator of Wealth With Tess, experienced in end-of-life conversations and planning.
Wealth With Tess
Episode: End-of-Life & Estate Planning With Your Parents (In A Compassionate Way) | E185 Tess Waresmith
JC Rodriguez
Financial coach and content creator with over 1.5 million followers across TikTok, Instagram, and YouTube.
The Frugal Rich
Episode: Smart Frugality: The Frugal Mindset That Actually Feels Good | E183 JC Rodriguez
Jordan Grumet
Author and host of Earn & Invest Podcast
Earn & Invest Podcast, jordangrumet.com
Episode: 3 Hidden Traps That Make FIRE Feel Empty | E182 Jordan Grumet
Cody Garrett
Co-author of Tax Planning To and Through Retirement
Measure Twice
Episode: Optimal Tax Strategies for Your Early Retirement | E180 Cody Garrett & Sean Mullaney
Sean Mullaney
Co-author of Tax Planning To and Through Retirement
FI Tax Guy
Episode: Optimal Tax Strategies for Your Early Retirement | E180 Cody Garrett & Sean Mullaney
Ashlee Piper
Sustainability expert and author of No New Things.
Episode: Why Buying Less Might Be the Next Step in Your FI Journey | E178 Ashlee Piper
Bryan Suddith
An advocate for reducing food waste and a storyteller who shares practical strategies for meal planning.
Episode: How to Save Thousands on Groceries (Without Giving Anything Up) | E176 Bryan Suddith
Jon Otero
Adventurous traveler and host of The Globetrotters Podcast
The Globetrotters Podcast
Episode: How to Get the Courage to Travel More Adventurously | E174 Jon Otero

Host

Justin Peters
Your guide to achieving financial independence and having fun doing it.

Reviews

5.0 out of 5 stars from 187 ratings
  • Great show

    Really enjoy this podcasts and listening to different perspectives. The host asks great questions and can definitely relate.

    Apple Podcasts
    5
    bophia21
    United Statesa year ago
  • I wish this show was around when I was in my 20s

    Justin is a fantastic host with a great interview style. Before the show he does a lot of research on the topic that will be discussed. This is evident by him expertly guiding the conversation and asking all the pertinent questions that his audience would find interesting and relevant.

    I wish a show like this existed when I was in my 20s.

    Apple Podcasts
    5
    Maya Corbic, CPA
    Canada2 years ago
  • Justin is one of the most authentic podcast hosts there is - and he brings on very insightful guests to talk about topics that are all so relatable to young adults looking to step up their adulting game!

    Podchaser
    5
    jongoehringvo
    2 years ago
  • A Must Listen

    Justin takes a deep look into life’s struggles and shares how to overcome such issues. Highly recommend for everyone to take a listen. You’ll be surprised of what you’ll learn!

    Apple Podcasts
    5
    About That Wallet
    United States2 years ago
  • Justin know’s his stuff…

    Informally Educative, Makes me feel like I’ve learnt something in an effortless way.

    Apple Podcasts
    5
    Puneeth Shenoy
    India2 years ago

Listeners Say

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

The show is described as inspiring, practical, and high-signal with thoughtful guests.
Many note relatable, actionable insights for early career and FI journey.
Listeners praise the host's preparedness and interview quality.

Chart Rankings

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

Apple Podcasts
#112
Taiwan/Business/Investing

Talking Points

Recent interactions between the hosts and their guests.

Why Roth Contributions Are Overrated for Financial Independence | E191 Cody Garrett
Q: So can you walk me through how that changes the way that we should be thinking about taxes in retirement?
Cody walks through Grace's case to show how retirement tax planning hinges on spending versus income, the timing of withdrawals, the favorable treatment of capital gains, and the idea that taxes in retirement can be lower overall if you optimize when and where you take money from, especially by leveraging taxable accounts first and planning Roth conversions strategically.
Divorce Lawyer Reveals the Reasons Marriages Fail (and How to Prevent Them) | E189 Aaron Thomas
Q: Did you ever see a couple call off a divorce?
Yes, many couples had never tried counseling or sought help before initiating divorce proceedings.
Divorce Lawyer Reveals the Reasons Marriages Fail (and How to Prevent Them) | E189 Aaron Thomas
Q: What are the common patterns or behaviors you see in marriages that are falling apart?
Many marriages start wrong, stemming from a failure to set the right foundation and a lack of communication, particularly about finances.
How to Create a 3-Day Workweek (Before You Reach FI) | E187 Andy Hill
Q: What suggestions do you have for someone still scared to take the leap toward reducing work hours?
I suggest starting small—maybe decrease contributions to savings by 5% and see how it feels to invest that time and money into experiences or an FU money bucket for future freedom.
How to Create a 3-Day Workweek (Before You Reach FI) | E187 Andy Hill
Q: What financial milestones made you and your wife feel comfortable reducing your work hours?
We built our investment balance to around a half a million dollars by age 40 and looked at compound interest calculators, realizing we could comfortably coast into retirement in our 60s.

Audience Metrics

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

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Frequently Asked Questions About This Podcast

What is This Podcast about and what kind of topics does it cover?

A pragmatic show focused on financial independence, time freedom, and work-optional living, with conversations that bridge pre-FI discipline to post-FI freedom. Episodes often explore practical money management, lifestyle design, burnout prevention, and identity beyond money, featuring guests who share actionable strategies, personal journeys, and mindset shifts for early retirement and meaningful living. The host consistently balances rigorous prep with relatable storytelling, drawing from a diverse slate of voices across personal finance, entrepreneurship, sustainability, and life planning. This mix is especially helpful for listeners aiming to optimize finances while maintaining happiness, health, and purpose.

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Which podcasts are similar to this podcast?

These podcasts share a similar audience with this podcast:

1. Catching Up to FI
2. Personal Finance for Long-Term Investors - The Best Interest
3. Mile High FI Podcast
4. ChooseFI
5. Earn & Invest

How many episodes of this podcast are there?

this podcast launched 6 years ago and published 192 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 this podcast?

Recent guests on this podcast include:

1. Andy Hill
2. Tess Waresmith
3. JC Rodriguez
4. Jordan Grumet
5. Cody Garrett
6. Sean Mullaney
7. Ashlee Piper
8. Bryan Suddith

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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