Claim Ownership


Author: Jonathan Mendonsa & Brad Barrett

Subscribed: 7,969Played: 372,346


Jonathan & Brad explore the world of Financial Independence. They discuss reducing expenses, crushing debt, building passive income streams through online businesses and real estate. How to pay off debt, Crush your grocery bill and travel the world for free. Every episode is packed with content and actionable tips and no topic is too big or small as long as it speeds up the process of reaching financial independence.
278 Episodes
Paula Pant of Afford Anything returns to dive deeper into real estate investing. In this second conversation, Paula covers turnkey, deal syndication, and building a team. For more information, visit the show notes at
A recap from Jonathan and Brad's visit to FinCon, FI Military, YNAB, and "what if my finances are like a dumpster fire?". For more information, visit the show notes at
Crystal Law, Director of Financial Literacy Experiences, and Laura Goodman, VP of Volunteer Engagement join us to discuss Junior Achievement. For more information, visit the show notes at
143R | Is This the Top?

143R | Is This the Top?


As most have probably seen, the news is calling for a recession soon. Specifically, Peter Schiff, a prominent economist, is warning of an impending financial disaster. However, this market volatility is nothing new. Join us today as we talk about Market Volatility, going Beyond FI, and Andrew Luck Embraces FI? For more information, visit the show notes at
Edmund Tee talks about reaching FI and the goals of teaching more people worldwide about Financial Independence. For more information, visit the show notes at
142R | Envelope Overwhelm

142R | Envelope Overwhelm


How to simplify personal finance and discussing Paula Pant’s take on real estate from Monday’s show. Personal Finances Made Simple Jonathan’s Budget Evolution How ChooseFI Makes Money For more information, visit the show notes at
Paula Pant discusses real estate as a path to FI as Brad shares his biggest financial mistake of his life - a speculative property in North Carolina. For more information, visit the show notes at
David Sawyer comes back on to discuss the UK path to FI, and Jonathan makes a big personal announcement. For more information, visit the show notes at
David Sawyer released his book, Reset.  The book is aimed at helping people who feel stuck in their careers as well as an optimization strategy for Financial Independence in the UK. For more information, visit the show notes at
Diving into the costs of a financial advisor and Nick from Mapped Out Money returns to discuss college hacking. For more information, visit the show notes at
Comments (32)

Christopher Wills

Super podcast, I have been listening for just under 2 years and the content is still relevant. great job covering a variety of topics associated with reaching FI, lifestyle and just being a good human.

Sep 16th

Clare Tyler

a lot of preamble! 15 mins in and haven't addressed the podcast title. I'm sure theres great info here but it makes for hard listening. I would appreciate a to the point style.

Sep 6th

Jenn l

how do you find the baseline point cost in order to determine the sweet spot?

Sep 4th


Jenn l 🤔

Sep 5th

Aoriseth Nirmno

What options are there for people living in Europe? Credit card rewards here seem to be underwhelming or non existent. Is it possible to open an American credit card while living in Europe and use the bonuses that way?

Aug 17th

Timera Boateng

one property per year for 5 years then attack the debt for 10 years(if you are planning to buy 5 properties)

Aug 5th

Michelle Valente

just want to clarify... after you earn the rewards on a particular card are you calling and closing the card?

Jul 18th

Archie Smith

Michelle Valente No

Jul 19th

Greg Mitchell

I found this podcast three months ago when Brad was on the Millionaires Unveiled podcast. I gave the ChooseFI podcast a listen because my family and I also live in Richmond and I could not be more glad that I did. This podcast and the feedback from the community have had a profound impact on me in the past three months. While it's not my biggest life hack to date I even joined the local library. My wife and I have always been good about saving but our spending has not always been as intentional as it is now. As an Engineer, I love efficiancy and this is the ultimate task to optimize. I can say without a doubt that this podcast has sparked a new fire within me and I cannot wait to share what we will learn in the years to come with our family, friends and our daughter. She's turns one next week but with all of the actionable items from the episodes I'm very much looking forward to having her be second generation FI and always thinking of how I'll present these topics to her. Thank you guys for all that you do and we are truly looking forward to watching the Playing with Fire documentary at the Byrd theater later this month. The path to financial freedom couldn't be more clear and we are very excited to be a part of this movement. Cheers! Greg Mitchell

Jul 6th

Ryan Hill

⬆️😣⤴️😣📩🤷🇮🇷♥️🇮🇶🤷💘🏤🤷🤷umTouch aumTouchnd hold a clip to pin it. Unpinned clips will be deleted after 1 hour.Touch and hold a clip to pin it. Unpinned clipshttp:/ The xx will be deleted after 1 hour.

Jul 2nd

Monica Richardson

This podcast touches on so many levels. I loved it so much.

May 15th

Steve Diahy

i disagree when he says focusing on income is more important than cutting expenses

May 2nd

Antonio Franca

great thanks!

Apr 30th

Lisa Renton Hudson

I'm a 1st time listener and I am very intrigued to know how you eat a meal for $2 per person. A head of broccoli or can of spaghetti o's costs almost $2! Please share your secrets! Thx!

Mar 28th


Lisa Renton Hudson you could move to Africa or southeast Asia, I'm sure you could eat a meal for $2 bucks there

Mar 28th

Joe Reed

Great show!

Mar 8th

Melissa Janczura

Great info guys! I'm in the learning process and my head is spinning! 😊 This gives me a great starting point. Thank you! 😊

Feb 25th

Pavlina Atanasova

FINALLY!!!! Someone with an actual business that is living a FI life. As a business owner myself it's great to hear other people that have gone through this and how they've done it. LOVE IT! Go Craig.

Feb 13th

Alina Leonardo

great episode!

Feb 8th


taking this entire episode into practice today

Feb 4th

M Jay

loved this interview!

Jan 29th

greg koeppen

love the podcast, always learn something new from each episode.

Jan 12th

Rebecca Markin-Newsome

I love your podcast and this episode is especially poignant for me. I am a mother of a special needs son and this has been weighing on me for several years. Initially we had a 529 account for him and we wanted to rotate it to an ABLE account. However the State had one and so did Fidelity. After reading the recommended book' the simple path to wealth' I was fired up. Both ABLE accounts have a high expense ratios, they are in portfolios and so you do not get to pick which funds, they ate actively managed accounts also they both( state and Fidelity) have quarterly fees of $11.00 to $15.00. I asked to waive the quarterly emails in lieu of accessing it online and was told they could not and it was mandatory to send quarterly updates. Also if your account dropped below a certain amount you would incur a monthly charge of $2.00. So mandatory quarterly fees and high expense ratio kind of pissed me off. let's face it. I am trying to SAVE every cent as most of our discretionary funds are used up in various therapies and upkeep of our son. Our insurance deductible alone for his therapy jumped from.$8k in 2018 to 13k in 2019 not including our $300.00 monthly insurance payment. All these little expenses DOES add up. So I rotated back to the 529 educational plan as their expense ratio was mild and with no monthly fees. I am hoping to keep it there and contribute as much as I can. Eventually i will turn it into a Trust or rotate it to the ABLE plan later( when the rates get better 😁) . To date Vanguard does not have an ABLE account. The only ones I know about are Fidelity and my home state NEVADA. please let me know if there is any change. I think I spent 5 hours on the phone with both Fidelity and my State's ABLE company.

Jan 1st
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