Mile High FI Podcast

Doug Cunnington & Carl Jensen

Real talk about Financial Independence and life after corporate jobs. Doug Cunnington and Carl Jensen talk about FI, lifestyle, side hustles, health, and anything on their minds. Plus, they interview experts and non-experts interested in the FI lifestyle. It's raw, candid, pretty much like you get to sit in on a private conversation.

  1. HACE 2 H

    Fast-Track to Freedom: Discovering FIRE Late, But Retired in 2 Years - Jennifer (Part 1) | MHFI 321

    Doug chats with Jennifer about reaching Financial Independence and subsequently retiring in about two years while living in a high cost-of-living area.  She shares how she discovered FI while dealing with burnout from a big-tech/creative career.  Jennifer also discusses accelerating her FI journey by overcoming lifestyle creep, tackling the “Big 3 expenses” (housing, transportation, food), paying off a car aggressively, cooking at home, cutting discretionary spending, and addressing credit card debt. Do you like the podcast and want to support the show?  Follow the link to find out how: https://milehighfi.com/support/ Curious to know exactly what products Doug uses?  Check out his Amazon lists below. *Affiliate links below, so if you buy something or spend money, we might earn a commission. That helps the show and doesn’t cost you anything extra. Thank you! Guitar Accessories Hiking & Outdoor Essentials for Sleep Want to order MHFI stickers/temporary tattoos or create your own custom stickers?  Of course you do!  We ALL do!  Order them here using our affiliate link so that we might earn a commission: https://www.stickermule.com/dougcunnington Links Jennifer’s substack, FI Slow Mornings ChooseFI local groups Bill Perkins, “Die With Zero” Kindle Hardcover Paperback Audiobook Crew checking JL Collins, “The Simple Path to Wealth” Kindle Hardcover Paperback Audiobook MHFI Facebook group Doug’s site Check out Producer Chris’s blog: Epic Financial Journey — Join the Mile High FI Club – It’s the email list! Get MHFi Merch – It helps support the show. Get t-shirts & more **Disclaimer: The podcast is for informational purposes. Maybe entertainment but we won’t even make such a claim. You shouldn’t take the info as financial, legal, or tax advice. We aren’t certified financial planners or advisors. We’re not qualified for much. So get advice from professionals.** Brought To You By: The Doug Show, aka Affiliate Marketing & Side Hustles Email the show: doug@milehighfi.com 0:00 Introduction 2:23 Discovering FI & recognizing burnout 9:15 Evolving views on travel 16:31 Tackling the Big 3 (expenses) 21:31 Tracking expenses 25:53 Spending 30:44 Navigating finances as a couple  35:41 Soundcheck – Food

    43 min
  2. 19 MAY

    Video Games & Social Security - Mailbag with Mr. Money Mustache | MHFI 320

    Doug and Pete Adeney (Mr. Money Mustache) answer questions from the listener mailbag.  They discuss the benefits & timing of claiming Social Security and address criticism of prior comments about video games.  Pete also provides an update on recent lifestyle changes, including insight into his personal spending & annual expenses. Do you like the podcast and want to support the show?  Follow the link to find out how: https://milehighfi.com/support/ Curious to know exactly what products Doug uses?  Check out his Amazon lists below. *Affiliate links below, so if you buy something or spend money, we might earn a commission. That helps the show and doesn’t cost you anything extra. Thank you! Guitar Accessories Hiking & Outdoor Essentials for Sleep Want to order MHFI stickers/temporary tattoos or create your own custom stickers?  Of course you do!  We ALL do!  Order them here using our affiliate link so that we might earn a commission: https://www.stickermule.com/dougcunnington Links Pete Adeney/Mr. Money Mustache The FI Collective Mr. Money Mustache, “The Ultimate Life Coach” Mr. Money Mustache, “The Shockingly Simple Math Behind Social Security” Best Interest blog, “When the ‘Shockingly Simple Math’ is…Shockingly Wrong” Jesse Cramer on MHFI episode 236 MMM on Tim Ferriss (2017) Mr. Money Mustache, “Retired Man Tries to Spend More Money, Mostly Fails” MHFI Facebook group Doug’s site Check out Producer Chris’s blog: Epic Financial Journey — Join the Mile High FI Club – It’s the email list! Get MHFi Merch – It helps support the show. Get t-shirts & more **Disclaimer: The podcast is for informational purposes. Maybe entertainment but we won’t even make such a claim. You shouldn’t take the info as financial, legal, or tax advice. We aren’t certified financial planners or advisors. We’re not qualified for much. So get advice from professionals.** Brought To You By: The Doug Show, aka Affiliate Marketing & Side Hustles Email the show: doug@milehighfi.com 0:00 Introduction 2:56 Question – MMM lifestyle changes 8:54 Question – Video games 15:52 Question – Social Security 21:54 Claiming benefits vs. taxes & tradeoffs 29:42 Question – MMM annual expenses 35:37 The FI Collective 38:55 Soundcheck – Humidity

    44 min
  3. 12 MAY

    Working When It's Optional - Carla & Robert | MHFI 319

    Doug chats with Carla & Robert about life after their 2019 sabbatical – including observations, lessons learned, and how they currently handle a “working when it’s optional” lifestyle.  They discuss how to deal with boredom vs. the need to be productive, the importance of community, health/fitness motivation, the joys of discovering new hobbies, opportunity costs of continued work, and how to use sabbaticals as a test run for early retirement. Do you like the podcast and want to support the show?  Follow the link to find out how: https://milehighfi.com/support/ Curious to know exactly what products Doug uses?  Check out his Amazon lists below. *Affiliate links below, so if you buy something or spend money, we might earn a commission. That helps the show and doesn’t cost you anything extra. Thank you! Guitar Accessories Hiking & Outdoor Essentials for Sleep Want to order MHFI stickers/temporary tattoos or create your own custom stickers?  Of course you do!  We ALL do!  Order them here using our affiliate link so that we might earn a commission: https://www.stickermule.com/dougcunnington Links Pennies and Popcorn YouTube Carla & Robert on MHFI episode 012 Kevin Sebesta on MHFI episode 302 Rebecca Herbst on MHFI episode 301 James & Rachel fitness challenge MHFI Facebook group Doug’s site Check out Producer Chris’s blog: Epic Financial Journey — Join the Mile High FI Club – It’s the email list! Get MHFi Merch – It helps support the show. Get t-shirts & more **Disclaimer: The podcast is for informational purposes. Maybe entertainment but we won’t even make such a claim. You shouldn’t take the info as financial, legal, or tax advice. We aren’t certified financial planners or advisors. We’re not qualified for much. So get advice from professionals.** Brought To You By: The Doug Show, aka Affiliate Marketing & Side Hustles Email the show: doug@milehighfi.com 0:00 Introduction 4:02 Taking a sabbatical 12:47 Observations from not working 18:22 Battling boredom 22:57 The need to be productive 27:36 Lean FI & spending 32:34 Opportunity costs of working 37:49 The value of sabbaticals 43:45 Fitness & health routines 48:05 Fitness challenge 58:40 Spending with intention 1:05:47 Soundcheck – Pennies and Popcorn

    1 h 10 min
  4. 5 MAY

    Permission to Spend: From Frugality to Value-Based Purchases - Amberly Grant | MHFI 318

    Doug chats with Amberly Grant (FinTalks) about how their views & mindsets around frugality have evolved and share recent spending decisions, especially around travel and “quality of life” purchases.  They discuss the changing psychology of spending as income grows and the practical value of “removing negatives” from life. Do you like the podcast and want to support the show?  Follow the link to find out how: https://milehighfi.com/support/ Curious to know exactly what products Doug uses?  Check out his Amazon lists below. *Affiliate links below, so if you buy something or spend money, we might earn a commission. That helps the show and doesn’t cost you anything extra. Thank you! Guitar Accessories Hiking & Outdoor Essentials for Sleep Want to order MHFI stickers/temporary tattoos or create your own custom stickers?  Of course you do!  We ALL do!  Order them here using our affiliate link so that we might earn a commission: https://www.stickermule.com/dougcunnington Links Amberly Grant EconoMe Conference Nuuly (subscription clothing rental) Rusty on MHFI episode 317 EconoMe Conference, “Carl Jensen: FI-Landia Is A Lie. What I Learned on My Journey to FIRE” CampFI EconoMe Conference, “James Lowery: How to Become a Lazy Landlord” MHFI Facebook group Doug’s site Check out Producer Chris’s blog: Epic Financial Journey — Join the Mile High FI Club – It’s the email list! Get MHFi Merch – It helps support the show. Get t-shirts & more **Disclaimer: The podcast is for informational purposes. Maybe entertainment but we won’t even make such a claim. You shouldn’t take the info as financial, legal, or tax advice. We aren’t certified financial planners or advisors. We’re not qualified for much. So get advice from professionals.** Brought To You By: The Doug Show, aka Affiliate Marketing & Side Hustles Email the show: doug@milehighfi.com 0:00 Introduction 1:13 Frugal roots & changing perspectives 7:06 Evolving spending habits 14:41 Delayed gratification purchases 20:12 Renting clothes & subscriptions 27:42 Fitness gear & gym memberships 36:11 Irrationality & sunk cost  41:02 Finally buying a new couch 50:00 Recent value purchases 55:55 Travel & subscription audit 1:00:03 FinTalks 1:04:24 Soundcheck – EconoMe presentation 1:11:23 Preparation for giving a speech 1:16:59 Observations & tips

    1 h 25 min
  5. 28 ABR

    Optimizing the Last Year of Work Before Retirement - Rusty (Part 2) | MHFI 317

    Doug continues his conversation with Rusty about how to optimize the final year before (early) retirement.  They discuss using debt responsibly, leveraging home equity & securities-backed lines of credit to maintain cash flow, navigating the complexities of post-retirement healthcare, and managing emotional & practical withdrawal strategies. Do you like the podcast and want to support the show?  Follow the link to find out how: https://milehighfi.com/support/ Curious to know exactly what products Doug uses?  Check out his Amazon lists below. *Affiliate links below, so if you buy something or spend money, we might earn a commission. That helps the show and doesn’t cost you anything extra. Thank you! Guitar Accessories Hiking & Outdoor Essentials for Sleep Want to order MHFI stickers/temporary tattoos or create your own custom stickers?  Of course you do!  We ALL do!  Order them here using our affiliate link so that we might earn a commission: https://www.stickermule.com/dougcunnington Links Email Rusty: rustyfromco@gmail.com Rusty on MHFI episode 270 Fit Rich Life episode 99 Elizabeth on MHFI episode 312 Fritz Gilbert on MFHI episode 315 Kevin Sebesta on MHFI episode 302 Mark Trautman on MHFI episode 313 Pancreatic Cancer Action Network MHFI Facebook group Doug’s site Check out Producer Chris’s blog: Epic Financial Journey — Join the Mile High FI Club – It’s the email list! Get MHFi Merch – It helps support the show. Get t-shirts & more **Disclaimer: The podcast is for informational purposes. Maybe entertainment but we won’t even make such a claim. You shouldn’t take the info as financial, legal, or tax advice. We aren’t certified financial planners or advisors. We’re not qualified for much. So get advice from professionals.** Brought To You By: The Doug Show, aka Affiliate Marketing & Side Hustles Email the show: doug@milehighfi.com 0:00 Introduction 2:32 Mortgages, refinancing, HELOCs 9:18 Securities-backed line of credit 18:38 Healthcare after leaving work 24:23 ACA subsidy cliff 32:05 Withdrawal stress & strategies 40:03 Bucket strategy & a retirement paycheck 48:08 Donating to charity 55:06 Funding a 529 & legacy giving 1:02:45 Soundcheck – Beer

    1 h 7 min
  6. 21 ABR

    Optimizing the Last Year of Work Before Retirement - Rusty (Part 1) | MHFI 316

    Doug chats with Rusty about how to optimize the final year before (early) retirement, emphasizing the critical distinction between “one more year syndrome” vs. a calculated final year and how working a little longer can lower withdrawal rates & reduce sequence-of-returns worry.  They compare quitting to being fired or laid off and highlight some potential benefits such as severance, possible unemployment, and employer healthcare continuation.  Rusty also shares some personal negotiation tactics when leaving a job. Do you like the podcast and want to support the show?  Follow the link to find out how: https://milehighfi.com/support/ Curious to know exactly what products Doug uses?  Check out his Amazon lists below. *Affiliate links below, so if you buy something or spend money, we might earn a commission. That helps the show and doesn’t cost you anything extra. Thank you! Guitar Accessories Hiking & Outdoor Essentials for Sleep Want to order MHFI stickers/temporary tattoos or create your own custom stickers?  Of course you do!  We ALL do!  Order them here using our affiliate link so that we might earn a commission: https://www.stickermule.com/dougcunnington Links Email Rusty: rustyfromco@gmail.com EconoMe Conference Sarah Jaffe, “Work Won’t Love You Back” Kindle Hardcover Paperback Audiobook “Harlan County, U.S.A.” Movie Rusty on MHFI episode 304 MHFI Facebook group Doug’s site Check out Producer Chris’s blog: Epic Financial Journey — Join the Mile High FI Club – It’s the email list! Get MHFi Merch – It helps support the show. Get t-shirts & more **Disclaimer: The podcast is for informational purposes. Maybe entertainment but we won’t even make such a claim. You shouldn’t take the info as financial, legal, or tax advice. We aren’t certified financial planners or advisors. We’re not qualified for much. So get advice from professionals.** Brought To You By: The Doug Show, aka Affiliate Marketing & Side Hustles Email the show: doug@milehighfi.com 0:00 Introduction 2:37 Working one more year 9:19 Stock market risk & flexibility 15:13 Quiet Quitting playbook 23:28 Quitting vs. getting fired or laid off 30:41 Real-world cautionary tales 35:38 Tips for quitting & identity issues 43:02 New baby update! 51:51 Tales of a jacked math major 59:52 Soundcheck – Food

    1 h 12 min
  7. 14 ABR

    Drawdown Strategies & Spending in Early Retirement - Fritz Gilbert | MHFI 315

    Doug and co-host Kristen Knapp chat with Fritz Gilbert (The Retirement Manifesto) at the EconoMe Conference about various drawdown strategies and spending in early retirement.  Fritz describes how he personally implements a “bucket strategy” approach to withdrawing money by setting up a monthly “paycheck”, how decumulation differs from accumulation, and explains sequence-of-returns, inflation, & longevity risks.  The group also discusses annual financial reviews, dynamic spending guardrails, viability of DIY investors, and intentional living. Do you like the podcast and want to support the show?  Follow the link to find out how: https://milehighfi.com/support/ Curious to know exactly what products Doug uses?  Check out his Amazon lists below. *Affiliate links below, so if you buy something or spend money, we might earn a commission. That helps the show and doesn’t cost you anything extra. Thank you! Guitar Accessories Hiking & Outdoor Essentials for Sleep Want to order MHFI stickers/temporary tattoos or create your own custom stickers?  Of course you do!  We ALL do!  Order them here using our affiliate link so that we might earn a commission: https://www.stickermule.com/dougcunnington Links The Retirement Manifesto Blog “Our Retirement Investment Drawdown Strategy” “Revisiting Our Drawdown Strategy After 3 Years of Retirement” “Do You Really Need a Trust? And Other Estate Planning Questions Retirees Ask Most” “How To Build A Bond Ladder” Freedom for Fido Website Facebook Fritz Gilbert, “Keys to a Successful Retirement” Kindle Paperback Spiral-bound FI Friends Travel Big ERN/Early Retirement Now MHFI Facebook group Doug’s site Check out Producer Chris’s blog: Epic Financial Journey — Join the Mile High FI Club – It’s the email list! Get MHFi Merch – It helps support the show. Get t-shirts & more **Disclaimer: The podcast is for informational purposes. Maybe entertainment but we won’t even make such a claim. You shouldn’t take the info as financial, legal, or tax advice. We aren’t certified financial planners or advisors. We’re not qualified for much. So get advice from professionals.** Brought To...

    57 min
  8. 7 ABR

    Is the 4% Rule Bad Advice? - Mark Trautman | MHFI 314

    Doug chats with Mark Trautman (Mark’s Money Mind) about the relevance of The 4% Rule in modern retirement planning.  They explore whether it remains a solid “north star” for those in the accumulation phase or if it has become an outdated guideline that potentially hinders retirees from living their best lives.  Mark also shares his personal transition from a high-saver to a strategic retiree focused on decumulation & creating memory dividends. Do you like the podcast and want to support the show?  Follow the link to find out how: https://milehighfi.com/support/ Curious to know exactly what products Doug uses?  Check out his Amazon lists below. *Affiliate links below, so if you buy something or spend money, we might earn a commission. That helps the show and doesn’t cost you anything extra. Thank you! Guitar Accessories Hiking & Outdoor Essentials for Sleep Want to order MHFI stickers/temporary tattoos or create your own custom stickers?  Of course you do!  We ALL do!  Order them here using our affiliate link so that we might earn a commission: https://www.stickermule.com/dougcunnington Links Mark Trautman/Mark’s Money Mind David Chilton, “The Wealthy Barber” Paperback William Bengen, “A Richer Retirement” Kindle Hardcover Audiobook Audio CD Retirement and IRA Show Bill Perkins, “Die With Zero” Kindle Hardcover Paperback Audiobook Big ERN on MHFI episode 280 Aubrey Williams, “Everyone Adjusts! Use Historical Analysis Risk-Based Guardrails to Reach FI Sooner!” ProjectionLab MHFI Facebook group Doug’s site Check out Producer Chris’s blog: Epic Financial Journey — Join the Mile High FI Club – It’s the email list! Get MHFi Merch – It helps support the show. Get t-shirts & more **Disclaimer: The podcast is for informational purposes. Maybe entertainment but we won’t even make such a claim. You shouldn’t take the info as financial, legal, or tax advice. We aren’t certified financial planners or advisors. We’re not qualified for much. So get advice from professionals.** Brought To You By: The Doug Show, aka Affiliate Marketing & Side Hustles

    52 min

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Real talk about Financial Independence and life after corporate jobs. Doug Cunnington and Carl Jensen talk about FI, lifestyle, side hustles, health, and anything on their minds. Plus, they interview experts and non-experts interested in the FI lifestyle. It's raw, candid, pretty much like you get to sit in on a private conversation.

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