Mile High FI Podcast

Carl Jensen & Doug Cunnington
Mile High FI Podcast

Real talk about Financial Independence and life after corporate jobs. Carl Jensen and Doug Cunnington 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. -6 D.

    Estate Planning with Sean Mullaney | MHFI 242

    Doug chats with Sean Mullaney (The FI Tax Guy) about the essential elements of estate planning.  Sean covers the importance of planning for everyone (not just the wealthy), stresses the significance of having a will, updating beneficiary designations, and creating trusts to protect assets & ensuring financial security for loved ones.  Special attention is given to estate planning in regards to kids (providing guardianship) and working with the correct professionals to plan for taxes. The discussion is intended to be for general educational purposes and is not tax, legal, or investment advice for any individual. Doug and the Mile High FI podcast do not endorse Sean Mullaney, Mullaney Financial & Tax, Inc. and their services. Guest appearances on the podcast do not constitute their endorsement of any sponsors of the Mile High FI podcast. Looking for help with your estate plan?  Trust & Will provides online tools for creating, you guessed it… trusts and wills.  For those who don’t have any estate planning documents in place, this could be a good option to get started.  We’re affiliates so we can earn a commission if you sign up.  Thanks for the support. https://milehighfi.com/trustandwill Be sure to check out the new GhostBed Massage Topper.  Save 50% site-wide on your new mattress, pillow, and bedding over at GhostBed (coupon code: MILEHIGHFI) Need a fee only advisor?  Nectarine is a network of financial advisors where you just pay for investing & planning advice.  Advisors don’t manage your money, sell products, or earn commissions. We’re affiliates so we can earn a commission if you sign up.  Thanks for the support. https://milehighfi.com/nectarine If you have any tips for talking about death & estate planning come share over at Buy Me A Coffee. Links (*Some affiliate links so we might earn a commission if you buy something) Connect with Sean Mullaney The FI Tax Guy YouTube Mullaney Financial & Tax The FI Tax Guy, “The Church IRA” Sean’s podcast appearances Mile High FI ChooseFI Stacking Benjamins How To Money Sean Mullaney, “Solo 401(k): The Solopreneur’s Retirement Account” Kindle Paperback CampFI Amy on MHFI episode 160 Carl Jensen MHFI Facebook group

    55 min
  2. 12. NOV.

    Mr. Money Mustache on Being Retired 19 Years & Turning 50 | MHFI 241

    Doug chats with Pete Adeney (Mr. Money Mustache) about a variety of topics centered around retirement, fitness, happiness, and sustainable living.  Pete also answers questions from the Facebook mailbag. Sam – What advice would you give to a young adult today that wants to retire early? Niel – Congratulations on becoming an empty nester. What are you most looking forward to in this new phase of life? Khang – What is something new you’ve tried recently that you would recommend to others? Rich – What is your sleep routine and are you a good sleeper? Katie – You mentioned that you consulted with someone who wanted you to review their retirement plan. So have you done more of these consultations and what have you learned from the experience? Andrea – You mentioned you want people to build new towns like Longmont. Do you have any thoughts on where the next Longmont might be given how expensive it’s become? Chris – What are your thoughts on the Culdesac model? And have you brought any ideas back to Longmont from your time down there? Kyle – What are your thoughts about the connection between the FIRE movement and environmentalism? Have you transitioned to socially responsible investing now that there are some low fee index funds for that?  Rakesh – How do you maintain your composure when it seems like everything around you is falling apart? Be sure to check out the new GhostBed Massage Topper.  Save 50% site-wide on your new mattress, pillow, and bedding over at GhostBed (coupon code: MILEHIGHFI) Need a fee only advisor?  Nectarine is a network of financial advisors where you just pay for investing & planning advice.  Advisors don’t manage your money, sell products, or earn commissions. We’re affiliates so we can earn a commission if you sign up.  Thanks for the support. https://milehighfi.com/nectarine Help Doug finally sell his gas-guzzler and purchase a new EV by providing support at Buy Me A Coffee. Links Pete Adeney/Mr. Money Mustache AARP, “Meet the Man Who Retired at 30” Tim Ferriss, Mr. Money Mustache episode Mr. Money Mustache blog posts: “Frugal Man Buys $52,000 Car – Why??” “It’s Never too Late to Ditch your Gas Guzzler” “Socially Responsible Investing: Is It Also More Profitable?” Mr. Money Mustache & Culdesac on MHFI episode 207 MHFI Facebook group Carl & Mindy on Ramit Sethi’s podcast

    1 t 14 min
  3. 5. NOV.

    Catching Up With Carl at FinCon | MHFI 240

    Doug and Carl reunite at FinCon 2024 in Atlanta to say hi & catch up with each other.  They both discuss recent travels, preferences for staying close to home in Longmont, and dieting/cutting calories especially around the holidays.  Carl also provides a fitness update and an update on how his home projects are going. Be sure to check out the new GhostBed Massage Topper.  Save 50% site-wide on your new mattress, pillow, and bedding over at GhostBed (coupon code: MILEHIGHFI) Need a fee only advisor?  Nectarine is a network of financial advisors where you just pay for investing & planning advice.  Advisors don’t manage your money, sell products, or earn commissions. We’re affiliates so we can earn a commission if you sign up.  Thanks for the support. https://milehighfi.com/nectarine Help Doug pay for next year’s FinCon ticket by providing support at Buy Me A Coffee. Links Carl Jensen Mindy Jensen FinCon Pete Adeney/Mr. Money Mustache Tim Ferriss, Mr. Money Mustache episode Sean Mullaney, The FI Tax Guy Kristen Knapp on MHFI episode 238 EconoMe Conference Carl quitting on MHFI episode 235 Bob Haines on MHFI episode 210 BiggerPockets BPCON Brad Barrett/ChooseFI ChooseFI, “Masterclass on Muscle Building” “Mind Pump” podcast Darren & Jolene on MHFI episode 228 Doug’s site Check out Producer Chris’s new 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 5:36 Coming soon to the show 9:45 Live from FinCo...

    39 min
  4. 29. OKT.

    Financial Guilt and Coast FI Strategies - Mailbag | MHFI 239

    Doug and Dusti answer questions from the Facebook mailbag. Sam – I’m Coast FIRE, currently working part-time to cover expenses without touching my portfolio. I have a NW just shy of $2M, with $1.5M in broad, low-cost ETFs, and the rest in my house and retirement account. My NW fluctuates daily, sometimes by $1K-$3K, or up to $10K-$30K with market volatility.  Here’s my dilemma: even with a solid NW, I still stress over expenses like a $600 home repair, higher home insurance, or an unexpected water bill. I spend time researching and finding the best deals, but I’m wondering if these minor expenses are worth worrying about when compared to my overall financial picture. Should I let go of the guilt and focus on long-term goals instead? Angela – Getting close to CoastFI.  We will need about 10 years worth of money to fill the “gap” until we hit 60.  Do we… A) Slow down our contributions to our 401ks, so that we just get our “free money” and then redirect those funds to our after tax brokerage account (we would obviously pay more in taxes on our income).  B) Continue what we are doing and keep maxing out 401k with “leftovers” going in to brokerage, buffer our HYSA account/cd ladder/whatever for 5 years, and just plan on doing Roth conversions for the first 5 years so we can access that money for the other 5 years.  C) Some other idea? Rakesh – Would you rather inherit a $500k house with rent income or $500k in index funds? Why and why not? Be sure to check out the new GhostBed Massage Topper.  Save 50% site-wide on your new mattress, pillow, and bedding over at GhostBed (coupon code: MILEHIGHFI) Need a fee only advisor?  Nectarine is a network of financial advisors where you just pay for investing & planning advice.  Advisors don’t manage your money, sell products, or earn commissions. We’re affiliates so we can earn a commission if you sign up.  Thanks for the support. https://milehighfi.com/nectarine Help Doug pay those taxes he loves so much by providing support at Buy Me A Coffee. Links (*Some affiliate links so we might earn a commission if you buy something) Doug’s Instagram Connect with Dusti: Instagram Facebook Dusti on MHFI Episode 172 Episode 178 Episode 223 Episode 224 Mile High FI Facebook Group Barry Schwartz, “The Paradox of Choice” Kindle Hardcover Paperback Audiobook  Eric Cooper discussing the 72T BiggerPockets Money, “Dude ACTUALLY Withdraws From His 401(k) and Retires at 47”

    42 min
  5. 22. OKT.

    Coast FI: Semi-Retiring Early - Kristen Knapp | MHFI 238

    Doug chats with Kristen Knapp, a meteorologist from St. Louis, about her Financial Independence journey, how she made it to Coast FI, and the importance of the FI community.  Kristen shares how her frugal upbringing & early financial literacy set the stage for financial stability, details her transition from a full-time meteorology career to a part-time Coast FI lifestyle (including all of the life events that influenced her decision), and shares what she’s doing now to fill her time.  She also discusses her new venture, FI Friends Travel, where she plans trips tailored to the FI community.  Be sure to check out the new GhostBed Massage Topper.  Save 50% site-wide on your new mattress, pillow, and bedding over at GhostBed (coupon code: MILEHIGHFI) Need a fee only advisor?  Nectarine is a network of financial advisors where you just pay for investing & planning advice.  Advisors don’t manage your money, sell products, or earn commissions. We’re affiliates so we can earn a commission if you sign up.  Thanks for the support. https://milehighfi.com/nectarine Help Kristen afford her very first spreadsheet by heading over to Buy Me A Coffee. Links (*Some affiliate links so we might earn a commission if you buy something) Connect with Kristen Email FI Friends Travel website Kennel Enrichment Program (Humane Society) CampFI EconoMe Conference Eric Cooper discussing the 72T BiggerPockets Money, “Dude ACTUALLY Withdraws From His 401(k) and Retires at 47” Forget About Money, “Secret IRS Rule 72(t) Explained! | Eric Cooper Reveals Early Withdrawal Power Move!” ChooseFI Local Groups Bill Perkins, “Die With Zero” Kindle Hardcover Paperback Audiobook Mindy Jensen Carl Jensen Mark’s Money Mind Podcast Amberly Grant/FinTalks Cruise Doug’s site Check out Producer Chris’s new 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...

    1 t 5 min
  6. 15. OKT.

    Living in Longmont: Community & Retirement Insights | MHFI 237

    Doug and Dusti answer questions from the Facebook mailbag. Chris For Doug: I know this is a stereotypical interview question, but where do you see yourself in 5 years? With Elizabeth’s recent retirement and your continued involvement with the FI community, how do you see your life changing (or perhaps not) in the next handful of years? For Dusti: How is retirement going? Any updates or new observations since you were last on the podcast? Niel – I would be interested to hear more about your hobbies, even if you aren’t actively pursuing them at the moment. Homebrewing, cooking, BBQ, guitar, etc. Bonus points if you can relate it to FIRE but not necessary. Erin – Does living in Longmont make it easier to retire and have a social group where people understand? Are you also experiencing people around you busier due to the cost of living? Be sure to check out the new GhostBed Massage Topper.  Save 50% site-wide on your new mattress, pillow, and bedding over at GhostBed (coupon code: MILEHIGHFI) Need a fee only advisor?  Nectarine is a network of financial advisors where you just pay for investing & planning advice.  Advisors don’t manage your money, sell products, or earn commissions. We’re affiliates so we can earn a commission if you sign up.  Thanks for the support. https://milehighfi.com/nectarine Help Doug afford his own “I Love Camping” hat by providing support at Buy Me A Coffee. Links (*Some affiliate links so we might earn a commission if you buy something) Connect with Dusti: Instagram Facebook Dusti on MHFI Episode 172 Episode 178 Episode 223 Episode 224 Mile High FI Facebook Group EconoMe Conference Bill Perkins, “Die With Zero” Kindle Hardcover Paperback Audiobook ChooseFI Local Groups Doug’s site Check out Producer Chris’s new 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 q...

    45 min
  7. 8. OKT.

    The Crushing Cost of Conservative Retirement Planning with Jesse Cramer | MHFI 236

    Doug chats with Jesse Cramer from “The Best Interest” blog & podcast about retirement planning.  They discuss the impact of making overly conservative vs aggressive assumptions, exploring key factors such as investment returns, inflation, spending, tax rates, and social security.  Jesse highlights the importance of understanding personal risk tolerance, leveraging third-party advice, and continuous learning to make informed decisions about financial independence and retirement. Be sure to check out the new GhostBed Massage Topper.  Save 50% site-wide on your new mattress, pillow, and bedding over at GhostBed (coupon code: MILEHIGHFI) Need a fee only advisor?  Nectarine is a network of financial advisors where you just pay for investing & planning advice.  Advisors don’t manage your money, sell products, or earn commissions. We’re affiliates so we can earn a commission if you sign up.  Thanks for the support. https://milehighfi.com/nectarine Help Doug contribute to his retirement fund by providing support at Buy Me A Coffee. Links Jesse Cramer, “The Best Interest” The Best Interest, “The Crushing Cost of Conservative Retirement Planning” Doug on “The Best Interest” podcast: Apple Podcasts Spotify FinCon Michael Kitces Jim Dahle/White Coat Investor The White Coat Investor, “Michael Kitces on the State of Financial Planning” ChooseFI Joel & Matt/How To Money Dave Ramsey MHFI Facebook group Doug’s site Check out Producer Chris’s new 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 3:21 Transition from engineering to finance 8:47 Conservative retirement planning 12:55 Impact of conservative vs aggressive assumptions 18:34 Social security & spending in retirement...

    51 min
  8. 1. OKT.

    So Long for Now. Carl is Leaving... | MHFI 235

    Doug chats with Carl about his decision to leave the podcast to focus on wrapping up personal projects.  Carl shares struggles with balancing podcast duties, fitness goals, burnout, and family obligations.  He shares some regrets from his MHFI podcasting experience while also reflecting on his fondest memories.  Doug talks about the future of the podcast and brainstorms how it may look going forward. Be sure to check out the new GhostBed Massage Topper.  Save 50% site-wide on your new mattress, pillow, and bedding over at GhostBed (coupon code: MILEHIGHFI) Need a fee only advisor?  Nectarine is a network of financial advisors where you just pay for investing & planning advice. Advisors don’t manage your money, sell products, or earn commissions. We’re affiliates so we can earn a commission if you sign up. Thanks for the support. https://milehighfi.com/nectarine Help us find a replacement co-host by contributing to our candidate search fund at Buy Me A Coffee. Links “The Doug Show” podcast CampFI EconoMe Conference ChooseFI, “Update: Healthiest Year Ever | Dean Turner | Ep 480” Brad Barrett/ChooseFI FinCon Pete Adeney/Mr. Money Mustache Bob Haines on MHFI episode 210 BJ on MHFI episode 217 Amberly Grant Maggie Tucker, “Inside Out Money” podcast Jesse Cramer, “The Best Interest” MHFI Facebook group Doug’s site Carl’s blog: 1500 Days — Join the Mile High FI Club – It’s our 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 1500 Days, Carl’s Blog about Early Retirement Email us here: doug@milehighfi.com or carl@milehighfi.com 0:00 Introduction 5:14 Carl’s busy schedule & buyer’s remorse 12:47 Fitness update & sleep issues 20:48 Production/promotion regrets 27:59 FI burnout 30:20 Positive/memorable moments 35:20 Future of the MHFI podcast ...

    46 min

Om

Real talk about Financial Independence and life after corporate jobs. Carl Jensen and Doug Cunnington 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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