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Artwork for Two Sides of FI

Two Sides of FI

Jason and Eric
Financial Independence
Early Retirement
Retirement
FIRE Movement
Personal Growth
Mental Health
Health Span
Career Transition
Health Planning
Retirement Planning
Travel
Work-Life Balance
Budgeting
Exercise Routines
Nutrition
Peter Attia
Social Isolation
Cognitive Decline
Life Satisfaction
Adventure

You're listening to Two Sides of FI, a conversation between two lifelong friends about financial independence - what it takes to get there and what comes after. One of us reached FI in 2020, the other in 2024. We started this show to document our different paths, and now that we're both post-FI, we're still figuring out how to use the freedom we spent years working toward. I'm Eric and I'm joined ... more

PublishesMonthlyEpisodes110Founded5 years ago
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Artwork for Two Sides of FI

Latest Episodes

Is slow travel in retirement all that we hoped or is the dream far better than the reality? In this episode, Jason talks with Eric about his recent experiences during a month-long US road trip. Learn how the trip ended up way over budget, compare how... more

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Are we really ready to walk away from Two Sides of FI? In this candid conversation, Jason and Eric reflect on more than four years of recording together, what the project has meant, and whether it still fits into their lives. They talk openly about t... more

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Retirement doesn’t follow a script - it rewrites itself in real time. In this episode, Jason and Eric unpack why the classic “phases” of retirement actually overlap and how that feels day to day. They dig into the challenges of switching from super-s... more

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What happens when the plan was “we”… and now it’s just “me”? At 45, Kayla reached Financial Independence solo after divorce, living in the Bay Area without a tech salary. In this episode of Two Sides of FI, she shares how she rebuilt her finances, ov... more

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Key Facts

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Recent Guests

Dr. Jordan Grumet
Hospice physician, author, and podcaster
Earn and Invest podcast
Episode: What No One Tells You About Purpose and Happiness in Retirement
David Sun
Electrical engineer and hedge fund manager
The Trade Busters
Episode: How Options Trading Led this Engineer to Financial Independence in His 30s
Karsten Jeske
PhD in economics, CFA, creator of Early Retirement Now blog
Early Retirement Now
Episode: He Earned a Million Dollars Trading This Option Strategy

Hosts

Eric
Co-host and an advocate for financial independence, sharing personal insights and revelations about the journey towards early retirement and its implications.
Jason
Co-host who brings a balanced approach to discussions around financial independence, highlighting both the technical and emotional elements encountered along the journey.

Reviews

4.9 out of 5 stars from 803 ratings
  • Slow travel

    54 with plans to retire at 56. Based on the cost of our last 2 vacations (2 weeks Europe); my budget of $10,000 a year in retirement won’t make it. My dream is to stay in places longer rather than rushing to see everything.

    Apple Podcasts
    5
    ART7152
    United Statesa month ago
  • Wonderful content on FI and retirement

    I love how these guys share their experiences both approaching and following financial independence. I especially like when they discuss the emotional and developmental topics about retirement, beyond the pure numbers, which is covered ad nauseum elsewhere. Finally I appreciate how they include their spouses from time to time, since FIRE is typically not a solo endeavor. Keep up the great work!

    UPDATE: Just learned that they are considering ending their podcast. This makes me sad. I guess this ... more

    Apple Podcasts
    5
    Neoteric5
    United States2 months ago
  • A window into the life of FIRE

    As of fall 2025, they are currently on pause or maybe done for good. But it doesn’t matter. If you run into this podcast years down the road and see it hasn’t been updated in a long time, know that the content is timeless. And I don’t think anyone will ever do it better. Also how could this have a 4.9 rating and not 5 across the board? 5 years or blood sweat and tears of excellent content deserves a 5 in my view!!

    On to my original review:

    I’m getting ready to FIRE soon. Already FI. There are ... more

    Apple Podcasts
    5
    D-man-1298
    United States3 months ago
  • No ... I already miss you guys.

    No ... I already miss you guys. I wanted to take a moment to thank you both for the high-quality content that you've put out to the world and your willingness to share your personal journeys.

    Enjoy the break and will be waiting for the next update.

    During the pause, I would highly recommend anyone who finds this show to check out the back catalog. This is not the typical FI/FIRE content; Eric and Jason put the "personal" in personal finance.

    Apple Podcasts
    5
    Mr_Moose_Man
    United States4 months ago
  • Thank you!

    Love the balance of technical and behavioral aspects of FI. Great show!

    Update- listening to what may be your last show. Just wanted to say thank you for everything you’ve done for your listeners! I wish you the best with the next chapter of your lives!

    Apple Podcasts
    5
    Sdfgjj
    United States4 months ago

Listeners Say

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

Listeners appreciate the relatable and candid conversations shared between the two hosts, often finding the blend of personal experiences and financial advice refreshingly accessible.
Some feedback indicates a desire for more structured financial advice amidst the informal conversation, showing a mix of expectations from the audience.
Many reviews highlight the emotional depth and humor in the discussions, which often resonate with those looking for both practical tips and personal stories.

Chart Rankings

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

Talking Points

Recent interactions between the hosts and their guests.

From Divorce to Financial Freedom: FI at 45
Q: What did this financial independence journey look like for you?
Kayla explains her transition from a joint financial perspective during her marriage to managing her finances solo after her divorce, detailing her investment journey and the decision to hire a financial advisor to become comfortable with investing.
From Divorce to Financial Freedom: FI at 45
Q: Tell us a little bit what that was like, rewind the clock 10 years to where things were before and then how you discovered FIRE.
Kayla recounts going through a divorce and starting to independently manage her finances, which led her to discover the FIRE movement. She describes how the divorce was transformative, shifting her perspective on finances and independence.
How Much Can You Really Spend in Retirement?
Q: Why is the CAPE-based target withdrawal so much higher than the fixed safe consumption rate, especially when the CAPE is high?
That 3.96 is saying, you can do this, you should be able to do this forever and be okay because we've already accounted for all of the gyrations that have happened historically. The CAPE-adjusted one is higher because it reflects the current environment.
How Much Can You Really Spend in Retirement?
Q: Why does my safe consumption rate, SCR, go down when I add supplemental cash flows, which is essentially income? Shouldn't it go up?
It should not because the tool knows about the fact that, well, you've told it, you've made this extra income. And so it's going to offset your withdrawals from the portfolio by the same amount.
What No One Tells You About Purpose and Happiness in Retirement
Q: Can you explain how to identify purpose anchors?
Identify what you regret not doing, revisit joys from childhood, and recognize what you love in your current job or explore new experiences to spark interest.

Audience Metrics

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

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Frequently Asked Questions About Two Sides of FI

What is Two Sides of FI about and what kind of topics does it cover?

This podcast features two lifelong friends sharing their personal experiences and insights related to financial independence (FI), both before and after reaching this goal. They tackle a variety of topics, including the emotional and psychological aspects surrounding FI, the realities of early retirement, financial planning strategies, and the everyday challenges of managing newfound freedom. Notably, they emphasize the importance of transparency and authenticity in discussions about money and lifestyle, bringing a relatable and informal tone to complex financial topics. Their friendly banter and candid storytelling provide listeners with both informative content and a sense of community among those navigating similar paths.

A unique aspec... more

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How many listeners does Two Sides of FI get?

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Which podcasts are similar to Two Sides of FI?

These podcasts share a similar audience with Two Sides of FI:

1. Mile High FI Podcast
2. ChooseFI
3. Catching Up to FI
4. Earn & Invest
5. Afford Anything

How many episodes of Two Sides of FI are there?

Two Sides of FI launched 5 years ago and published 110 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 Two Sides of FI?

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What guests have appeared on Two Sides of FI?

Recent guests on Two Sides of FI include:

1. Dr. Jordan Grumet
2. David Sun
3. Karsten Jeske

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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