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Welcome to the Financially Independent Teachers Podcast- where educators come together to discuss their journey on the road to financial independence. Each week, Dave and Brandon interview teachers who are winning with money and welcome financial industry experts like JL Collins, Andy Hill, Andrew Hallam (Millionaire Teacher) and Rachel Cruze (daughter of Dave Ramsey). There are plenty of voices in the teachers' lounge telling you that you can't build wealth on an educator income, let FIT provide hope that you CAN!
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Send us a text For many of us, we are 4+ weeks into the new school year (ok, not you NY friends)...now that we have some of the 25-26 school year under our belt, and we can catch our breath, Dave has 10 financial recommendations for the new school year. Listen in follow the list of these 10 money moves to finish the year strong! Hope everyone is having a great start to their year!
Send us a text When should I retire? When I retire, what am I going to do to keep me busy? You don't want to miss this episode with Coach Leary, a recently retired NC high school history teacher and coach who started his own college prep coaching business. Having guided his own two children through the the college process (UNC and Wake), Eric and his wife learned a lot along the way. Now, they are applying it to help others. With over 30 years of dedicated service in education, Eric Lea...
Send us a text Ryan is a Texas business teacher who co-authored a Texas retirement book with Karl Fish, specializing in the Texas pension system. Two and a half years ago, Ryan was on the show and had a net worth just over 600k. Today, Ryan is knock knock knocking on MILLIONAIRE status. Ryan's main message in this episode is that teachers need to learn the rules to the "game" when it comes to their pension and benefits. Texas book - https://a.co/d/evuKOg5 Whole Books Series - htt...
Send us a text Making it work with what you have, Curtis didn't grow up with money, but now has 5 units on a single teacher income in Washington state. I often say "can one move change your life?", for Curtis, he says "can two moves change your life?"...his answer? YES! After buying some rental properties, Curtis fell in love with real estate to the point of now teaching AND being an agent. Lots of sacrifices have been made to end up where he is, this is a story worth checking out! Foll...
Send us a text As always, the FIT FAMILY stepped up to the plate with some AMAZING questions for a special Q&A episode with two FIT legends! In this episode, we tackle a variety of questions from our audience about 457(b)'s, 403(b)'s, IRA's, retirement, asset allocation, pensions, investment strategies, fees, and much more! Sorry if we did not get to your question, there was only time for so many! Justin's Website: https://garrittfinancialsolutions.com/ Gerry's Website: https:...
Send us a text Becky and Rusty went from 3 doors to TWENTY SEVEN in less than five years. How the heck did they make this happen? What are some creative ways to go about financing rentals without using a traditional loan from a bank? How can a HELOC give you a leg up in growing your investment portfolio? What role do stocks play in their current portfolio now that they have 27 rentals? How much do they gross each month on their rental income? How does being a good teammate in a marriage...
Send us a text Becky and Rusty were a typical middle class family with a duplex and their single-family home. Becky was a music teacher (public and private), while Rusty worked at the local paper mill near Roanoke Rapids (NC). As a family, their average gross salary per year ranged from 100k-125k per year. In part I, we talk about how the couple who has been married for 26 years met, their roles in the workplace, raising 3 kids, and how being a teacher can position you to make an ...
Send us a text Anthony Michael is a NJ teacher who shares info behind his new book “The Teacher’s Guide to Financial Wellness.” https://www.amazon.com/Teachers-Guide-Financial-Wellness/dp/B0FBTMK3P7 We talked about: 📚 Why he wrote the book 💸 Real-life money lessons from our upbringings 📈 How educators can build a path toward financial independence—without burning out Whether you’re a new teacher or a veteran, this episode is packed with insights to help you take control of your financ...
Send us a text Trevor was teacher and coach (public and private), but left NC for a private sector opportunity. During this time, he had to do something with the townhouse he owned, but would no longer be living in...so he listed on Airbnb. Has it worked out? How was being an Airbnb host 700 miles away at his new job? After a handful of years in the private sector, how did he wind back up as a teacher/coach again? As a single income earner, how did he manage to buy a few properties? Now...
Send us a text Kim Butler is the co-host on the Prosperity Podcast, and she is the daughter of two educators. On this episode, Kim shares her insight and expertise on TWO major topics... 1. A topic that is not often discussed...how to set up and structure your bank accounts. According to Kim, how to structure your bank accounts and direct deposit could be a multi-million dollar decision. 2. How to appropriately handle money responsibilities and expectations when it comes to raising our ...
Send us a text Janet is entering her 20th year as a teacher. After spending her first 18 years as a middle school teacher, she recently made the switch to HS. In this episode, she discusses the "reset" having been at one school her entire career, the journey of wanting to retire early to know seeing herself teach well into her mid 50's, retiring from NC and hopping the border to SC to make 140K per year, and living life to its fullest while also wanting to be financially independent.
Send us a text After moving halfway around the US for college, the travel bug came again with a move overseas. With college came student loan and credit card debt...or what we usually call "normal". While overseas, our guest meets the love of her life, a German citizen with a completely different culture surrounding money. Unfortunately, the family dealt with historic flooding in Germany, leaving the family to ponder their future and move to Wisconsin. After moving back to the US, our g...
Send us a text Dave has cut grass, pressure washed, and given private pitching lessons as previous side hustles...last week, he gave Door Dash a shot. In this episode, Dave and his wife (Stephanie) discuss their experiment Dashing in Jacksonville NC for one week. What did they learn? Is it worth it? Hear all of their thoughts and how it could impact your financial future! Teachers, this episode is for you!
Send us a text We have discussed SO many side hustles on the FIT Podcast...pressure washing, baby sitting, lawn care, mail box beautification, Door Dash, tutoring, Airbnb cleaning, private lessons, and much more! In past episodes, we have even talked about teaching abroad...what if I told you there is a way to teach abroad but you don't have to resign from your current teaching position? Megan is a Raleigh elementary teacher who is getting ready to head to China make some extra cash this summ...
Send us a text Stephanie taught English for 30+ years in North Carolina. Unfortunately, throughout most of her career, she was not privy to financial literacy. Did she invest? If so, how much and in what? How is she making it in retirement off of her NC pension? As the saying goes "hindsight is 20/20"...what advice would she give to teachers who are currently working to prepare for life after education? Tune in to hear her story!
Send us a text In this conversation, Jillian and Dave discuss the concept of mini retirements and how they can lead to a fulfilling lifestyle while pursuing financial independence. They discuss "mini retirements" throughout your career, emphasizing the importance of taking breaks, traveling, and spending quality time family. We explore the challenges and benefits of unconventional choices, the gradual transition to early retirement, and the value of practicing mini retirements to prepare for ...
Send us a text Sweet 16...21.....these are HUGE milestone birthdays in life! Does the party end at 21? Tune in as I talk about MAJOR milestone birthdates that play a large role in your personal finance life. Spoiler alert...21 is just the beginning of the FUN!
Send us a text Pat has been on DOZENS of cruises and was inspired to start her own social media page, giving tips and tricks to first time cruises and veterans alike. Have you ever considered a cruise or do you like to travel in general? Pat discusses the fun of cruising, how to find a deal, tips for packing, cruise line stereotypes, cost, and much more! As we prep for summer, it is time to start thinking of having fun! Check out Pat's Youtube channel below: https://www.youtube.com/chan...
1Send us a text Daniel has been teaching in NC for almost 30 years. Unfortunately, the first few decades of his career, he wasn't very informed on his NC teaching benefits, his pension, or investing. Whether you start to learn in your first year or toward the end of your career, it is never TOO late! Now, Daniel is investing, becoming an expert on all things NC teacher benefits, and is even teaching colleagues in the Charlotte area about their benefits. If you want to hear someone who has had ...
Send us a text Cody Garrett (not to be confused with our good friend, Justin), is a CFP and a regular on the ChooseFI message boards and FB group. By know, most of us know about the Roth IRA, 401(k), 403(b), and 457(b)...but many of us (myself included) have been in the dark about a taxable brokerage account. Cody is here to talk about all the positives of having one of these amazing accounts. Remember, after you retire, you won't be able to contribute to your workplace 403(b), 457(b) e...
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super informative episode!
love the podcast all the way from Zimbabwe Africa