Fit Rich Life

Justin David Carl

With a mission to empower people to proactively design & truly live a life worth living, Entrepreneur & Life Alchemist, Justin David Carl seeks out & shares expertise, wisdom & thought leadership in the areas of Fitness, Health, Money, Wealth, Financial Independence, Creativity, Business & Entrepreneurship, Personal & Spiritual Development, Lifestyle, Mindset, Habits, and all areas that encompass Holistic Wellbeing and a life well-lived.

  1. Andrew Giancola: Master Money, Negotiating A Raise, Million Dollar Moves, True Cost of Car Upgrades & More | FRLP 97

    4D AGO

    Andrew Giancola: Master Money, Negotiating A Raise, Million Dollar Moves, True Cost of Car Upgrades & More | FRLP 97

    In this episode of the Fit Rich Life Podcast, I sit down with Andrew Giancola — founder of The Personal Finance Podcast, which gets over 600K downloads a month. He is a strong voice championing financial freedom for everyone. Andrew shares his journey from earning a modest income and struggling to cover basic expenses to building wealth through disciplined saving, intentional spending, and smart income growth.  He opens up about the moment he couldn't afford gas, why tracking his savings rate became a turning point, and how small financial systems compounded into long-term freedom. We dive deep into increasing income, adapting your financial strategy as life evolves, and finding the balance between frugality and living well.  We also cover mentorship, fitness, and the key metrics Andrew believes everyone should track on the path to financial independence.  This episode is packed with practical frameworks and timeless lessons for anyone serious about building a Fit Rich Life. Connect with Andrew Giancola: Instagram: https://www.instagram.com/mastermoneyco/  Podcast: https://open.spotify.com/show/1zVBTDKimC3UoOQy59KDrR  Web: https://mastermoney.co/    Get my FREE 29-Page Financially Fit Money Guide   In this episode: [00:00–05:34] Tracking Money & The Turning Point — Income, Savings Rate & Early Struggles [05:35–19:23] Building Momentum — Budgeting Systems, Income Growth & Financial Discipline [19:24–42:19] Career Leverage — Negotiation, Repetition & Annual Income Growth [42:20–55:35] Real Estate & Side Hustles — Lessons Learned, Risks & Opportunities [55:36–01:24:48] Mentorship, Spending & Opportunity Cost — Relationships, Cars & Lifestyle Choices [01:24:49–01:52:57] Fitness, Systems & Quality of Life — Health, Habits & Final Advice   Full Show Notes w/ Links to resources: www.fitrichlife.com/podcast/     FIT RICH LIFE NEWSLETTER Get fit, get rich, and live your best life in 10 minutes a week. Join 3,100+ smart readers who are leveling up their Fitness, Money & Life. Join here: https://fitrichlife.com/newsletter WANT TO LEARN MORE? Follow me on Instagram: https://www.instagram.com/justindavidcarl Follow me on Threads: https://www.threads.net/@justindavidcarl Follow me on Twitter/X: https://x.com/justindavidcarl Connect on LinkedIn: https://www.linkedin.com/in/justindavidcarl SHOW SPONSORS: I am incredibly passionate about Fitness and Money & have reached a substantial degree of mastery in these domains and now I'm looking to help others do the same! Interested in taking your Fitness, Money & Life to the next level? Book your Free Consultation today or drop me a DM on Instagram https://instagram.com/justindavidcarl to coordinate a time to connect with me. From Pre-Workout to Protein, if you desire to lead a happy, healthy, fit life, go to https://vedgenutrition.com/dragon and grab your plant-based healthy essentials. Use the code DRAGON to save $$! Thanks for tuning in! If you liked my show, LEAVE A THUMBS UP, share, and subscribe!

    1h 56m
  2. My Identity Crisis Since Leaving the 9-5 Job | FRLP 96

    12/17/2025

    My Identity Crisis Since Leaving the 9-5 Job | FRLP 96

    In this episode of the Fit Rich Life Podcast, I rebroadcast a conversation I originally recorded on the Mile High FI Podcast, where I share my personal journey into semi-retirement after leaving my high-paying sales career in March 2024. We dive deep into what the first year of semi-retirement really looks like — the unexpected identity crisis, questions around self-worth without a traditional income, and the hidden burnout that often follows high performance.  I open up about the mental and emotional challenges I faced, and how coaching, honest conversations, and community helped me navigate that transition. This conversation is about far more than money. We explore the importance of purpose, relationships, physical competition, and aligning your work with what truly matters.  If you're considering early retirement, a career pivot, or simply redesigning your life with intention, this episode offers a real, unfiltered look at what comes next.   Get my FREE 29-Page Financially Fit Money Guide   In this episode:  [00:00–00:39] Introduction & Rebroadcast from the Mile High Five Podcast [00:40–03:25] The Reality of Early Semi-Retirement & Identity Shifts [03:26–05:57] Leaving Sales Behind — The "Golden Goose" Job Dilemma [05:58–14:38] Launching Fit Rich Life & Facing an Identity Crisis [14:39–19:37] Hidden Burnout, Overachiever Mentality & Self-Worth [19:38–34:53] The Power of Relationships, Soft Skills & Community [34:54–41:25] Living the Fit Rich Life — Balancing Work, Health & Purpose [41:26–46:01] Temptation to Return to Sales & Finding Meaning Beyond Money [46:02–51:37] Building an Online Business, Pickleball & Physical Competition [51:38–01:03:56] Creating a Supportive Environment & Navigating Semi-Retirement [01:03:57–01:17:31] Coaching, Final Reflections & Words of Encouragement   Resources Mentioned: https://milehighfi.com/podcast/297-justin-david-carl-identity-purpose-semi-retirement/ https://milehighfi.com/podcast/204-fit-rich-life/  Transitions Book by William Bridges: https://a.co/d/0BcpfU4      Full Show Notes w/ Links to resources: www.fitrichlife.com/podcast/     FIT RICH LIFE NEWSLETTER Get fit, get rich, and live your best life in 10 minutes a week. Join 3,100+ smart readers who are leveling up their Fitness, Money & Life. Join here: https://fitrichlife.com/newsletter WANT TO LEARN MORE? Follow me on Instagram: https://www.instagram.com/justindavidcarl Follow me on Threads: https://www.threads.net/@justindavidcarl Follow me on Twitter/X: https://x.com/justindavidcarl Connect on LinkedIn: https://www.linkedin.com/in/justindavidcarl SHOW SPONSORS: I am incredibly passionate about Fitness and Money & have reached a substantial degree of mastery in these domains and now I'm looking to help others do the same! Interested in taking your Fitness, Money & Life to the next level? Book your Free Consultation today or drop me a DM on Instagram https://instagram.com/justindavidcarl to coordinate a time to connect with me. From Pre-Workout to Protein, if you desire to lead a happy, healthy, fit life, go to https://vedgenutrition.com/dragon and grab your plant-based healthy essentials. Use the code DRAGON to save $$!   Thanks for tuning in! If you liked my show, LEAVE A THUMBS UP, share, and subscribe!

    1h 19m
  3. Kristy Shen & Bryce Leung: Quit Like A Millionaire | FRLP 95

    12/03/2025

    Kristy Shen & Bryce Leung: Quit Like A Millionaire | FRLP 95

    In this episode of the Fit Rich Life Podcast, I sit down with Kristy Shen and Bryce Leung, the duo behind Millennial Revolution and authors of the international bestseller Quit Like a Millionaire. Kristy and Bryce retired in their early 30s and have spent the last decade proving that financial independence isn't just possible — it's transformational. We dive into their journey from radically different upbringings — Kristy growing up in deep poverty in China and Bryce raised in a middle-class Canadian family — and how those experiences shaped their worldview, money decisions, and path to FI.  They share how financial independence gave them the freedom to navigate some of life's hardest moments, including the loss of Bryce's father while Kristy was giving birth, and how FI allowed them to be fully present for the people they love. This conversation challenges traditional beliefs about homeownership, career identity, and what "retirement" actually means.  We also touch on their next book, Parent Like a Millionaire (Without Being One), where they reveal practical strategies for raising kids with intention — without overspending.  This episode is an inspiring conversation about money, purpose, freedom, and designing a life on your own terms.   Connect with Kristy Shen & Bryce Leung: https://www.millennial-revolution.com/  Get my FREE 29-Page Financially Fit Money Guide In this episode: [00:00–17:44] The Power of Financial Independence — Kristy & Bryce's Money Mindsets, Childhood Influences & Their Path to Meeting [17:45–33:59] Retiring in Their 30s — World Travel, FI vs. Homeownership & How AI Is Reshaping Career Security [34:00–52:56] Redefining Stability — Nomadic Parenting, Life After the 9–5 & Building Community and Purpose [52:57–01:03:02] Their New Book — Parent Like a Millionaire Without Being One & Closing Thoughts   Full Show Notes w/ Links to resources: www.fitrichlife.com/podcast/ FIT RICH LIFE NEWSLETTER Get fit, get rich, and live your best life in 10 minutes a week. Join 3,100+ smart readers who are leveling up their Fitness, Money & Life. Join here: https://fitrichlife.com/newsletter     WANT TO LEARN MORE?  Follow me on Instagram: https://www.instagram.com/justindavidcarl  Follow me on Threads: https://www.threads.net/@justindavidcarl  Follow me on Twitter/X: https://x.com/justindavidcarl  Connect on LinkedIn: https://www.linkedin.com/in/justindavidcarl    SHOW SPONSORS: I am incredibly passionate about Fitness and Money & have reached a substantial degree of mastery in these domains and now I'm looking to help others do the same! Interested in taking your Fitness, Money & Life to the next level? Book your Free Consultation today or drop me a DM on Instagram https://instagram.com/justindavidcarl to coordinate a time to connect with me. From Pre-Workout to Protein if you desire to lead a happy, healthy, fit life, go to https://vedgenutrition.com/dragon  and grab your plant-based healthy essentials. Use the code DRAGON to save $$!  Thanks for tuning in!  If you liked my show, LEAVE A THUMBS UP, share, and subscribe!

    1h 3m
  4. The Spicy Investor: $1M Net Worth at 30 as an Erotic Dancer | FRLP 94

    11/19/2025

    The Spicy Investor: $1M Net Worth at 30 as an Erotic Dancer | FRLP 94

    In this episode of the Fit Rich Life Podcast, I sit down with an anonymous creator known as The Spicy Investor — a woman who quietly built a million-dollar net worth by age 30 while working as an erotic dancer.  Her story is bold, unexpected, and incredibly empowering. We dive into her mission to bring financial education to the sex-worker industry, the discipline behind her wealth-building strategy, and the real-life challenges she faced along the way.  From recovering after losing her entire savings to mastering long-term investing, she breaks down the habits, mindset, and resilience that helped her escape the lifestyle-inflation trap and build true financial freedom. This conversation is raw, inspiring, and packed with practical money wisdom — a powerful reminder that no matter where you come from, wealth is built through intention, education, and smart long-term decisions.   Connect with The Spicy Investor: Instagram: https://www.instagram.com/thespicyinvestor/ Threads: https://www.threads.com/@thespicyinvestor   Get my FREE 29-Page Financially Fit Money Guide In this episode: [00:00–11:57] Inside the Sex-Worker Industry — Spicy's Early Life, Financial Background & How She Started Dancing [11:58–35:55] Hard Lessons & Big Wins — Navigating Challenges, Early Investing Realizations, Recovering From Major Losses & Building Toward FI [35:56–46:36] Living Lean & Investing Smart — Frugality, Key Money Influences & Tracking Net Worth Milestones [46:37–01:08:49] Staying the Course — Market Downturns, Emergency Funds, Transitioning Out of Dancing & Long-Term Portfolio Strategy [01:08:50–01:30:20] Empowering Sex-Workers Through Financial Education — Closing Reflections & Final Takeaways   Full Show Notes w/ Links to resources: www.fitrichlife.com/podcast/   FIT RICH LIFE NEWSLETTER Get fit, get rich, and live your best life in 10 minutes a week. Join 3,100+ smart readers who are leveling up their Fitness, Money & Life. Join here: https://fitrichlife.com/newsletter     WANT TO LEARN MORE?  Follow me on Instagram: https://www.instagram.com/justindavidcarl  Follow me on Threads: https://www.threads.net/@justindavidcarl  Follow me on Twitter/X: https://x.com/justindavidcarl  Connect on LinkedIn: https://www.linkedin.com/in/justindavidcarl    SHOW SPONSORS: I am incredibly passionate about Fitness and Money & have reached a substantial degree of mastery in these domains and now I'm looking to help others do the same! Interested in taking your Fitness, Money & Life to the next level? Book your Free Consultation today or drop me a DM on Instagram https://instagram.com/justindavidcarl to coordinate a time to connect with me.   From Pre-Workout to Protein, if you desire to lead a happy, healthy, fit life, go to https://vedgenutrition.com/dragon  and grab your plant-based healthy essentials. Use the code DRAGON to save $$!    Thanks for tuning in!  If you liked my show, LEAVE A THUMBS UP, share, and subscribe!

    1h 30m
  5. Claudia Quintela: Midlife Mavericks, Reinvention, Navigating Corporate Life, Career Entrepreneurship, Monetizing Skills, Building Your Own Business, Financial Freedom & More | FRLP 93

    11/05/2025

    Claudia Quintela: Midlife Mavericks, Reinvention, Navigating Corporate Life, Career Entrepreneurship, Monetizing Skills, Building Your Own Business, Financial Freedom & More | FRLP 93

    In this episode of the Fit Rich Life Podcast, I sit down with Claudia Quintela — a true example of what it means to reinvent yourself and build a life of purpose, freedom, and fulfillment. Claudia went from thriving in the fast-paced world of finance to launching her own business, all while navigating corporate chaos, office politics, and personal challenges. We dive deep into what it really takes to create a career and life you love — from negotiating job offers and setting boundaries to starting a business before you quit your 9–5. Claudia shares her story of building her first company while pregnant and on bedrest, the lessons she's learned through entrepreneurship, and how she turned her professional skills into a path toward independence. This conversation is packed with powerful insights on mindset, money, and fitness — the pillars of living a truly Fit Rich Life. We explore compounding in both wealth and growth, the power of storytelling and authentic branding, and the daily habits that keep Claudia strong, centered, and fulfilled.  If you're ready to level up your life and career, this episode is for you.   Connect with Claudia Quintela:   Website: https://digitalclaudia.com/  Instagram: https://www.instagram.com/iam_digitalclaudia/  Threads: https://www.threads.com/@iam_digitalclaudia Claudia's Viral 13 Career Lessons Post: https://www.threads.com/@iam_digitalclaudia/post/DKCs9pYh3pN  Get my FREE 29-Page Financially Fit Money Guide In this episode: [00:00–11:47] Meet Claudia Quintela — Reinventing Your Career, Navigating Corporate Life & Starting a Business While Pregnant [11:48–16:03] Inside the World of Finance — Lessons, Challenges & Rewards from a High-Pressure Career [16:04–32:49] Finding Balance — Managing Ambition, Career Demands & Personal Growth [32:50–48:26] From Corporate to Creator — Building Genuine Connections, Overcoming Fear & The Power of Super Threads [48:27–01:09:30] Mastering Sales & Coaching — Helping Women Transition from Corporate Life to Entrepreneurship [01:09:31–01:29:24] Financial Freedom Foundations — Diversifying Investments & Breaking Free from Company Stock Dependence [01:29:25–01:44:48] Building an Authentic Brand — Copywriting, Storytelling & Transforming Through Coaching, Fitness & Finance [01:44:49–End] Reinventing in Your 40s — Strength Training, Daily Habits & Practical Tips for Living a Fit Rich Life   Resources Mentioned: Ogilvy on Advertising: https://a.co/d/3Qg0SGa  Breakthrough Advertising by Eugene Schwartz: https://a.co/d/eZZp3pi  How to Write a Good Advertisement by Victor Schwab: https://a.co/d/0GSDlgP  Triggers: 30 Sales Tools You Can Use to Control the Mind of Your Prospect to Motivate, Influence, and Persuade by Joseph Sugarman: https://a.co/d/fkAVRqa  The Psychology of Money by  Morgan Housel: https://a.co/d/frM6mNf  The Algebra of Wealth by Scott Galloway: https://a.co/d/cQyfwNp  Full Show Notes w/ Links to resources: www.fitrichlife.com/podcast/ FIT RICH LIFE NEWSLETTER Get fit, get rich, and live your best life in 10 minutes a week. Join 3,100+ smart readers who are leveling up their Fitness, Money & Life. Join here: https://fitrichlife.com/newsletter     WANT TO LEARN MORE?  Follow me on Instagram: https://www.instagram.com/justindavidcarl  Follow me on Threads: https://www.threads.net/@justindavidcarl  Follow me on Twitter/X: https://x.com/justindavidcarl  Connect on LinkedIn: https://www.linkedin.com/in/justindavidcarl    SHOW SPONSORS: I am incredibly passionate about Fitness and Money & have reached a substantial degree of mastery in these domains and now I'm looking to help others do the same! Interested in taking your Fitness, Money & Life to the next level? Book your Free Consultation today or drop me a DM on Instagram https://instagram.com/justindavidcarl to coordinate a time to connect with me.   From Pre-Workout to Protein if you desire to lead a happy, healthy, fit life, go to https://vedgenutrition.com/dragon  and grab your plant-based healthy essentials. Use the code DRAGON to save $$!  Thanks for tuning in!  If you liked my show, LEAVE A THUMBS UP, share, and subscribe!

    2h 6m
  6. Fit Rich Life Upgrades with Chad Carson: FinCon, Content Creation Strategies, Supplements, Books, Mindset, Tech Tools, Seasons of Life, & More | FRLP 92

    10/22/2025

    Fit Rich Life Upgrades with Chad Carson: FinCon, Content Creation Strategies, Supplements, Books, Mindset, Tech Tools, Seasons of Life, & More | FRLP 92

    In this special episode of the Fit Rich Life Podcast, I'm joined once again by my good friend Chad Carson — real estate investor, author, and all-around legend in the financial independence community. Fresh off FinCon, we dive into some of the biggest takeaways and insights from the event, from content creation strategies to community building and long-term growth. We also explore the tools, supplements, and mindset upgrades that are fueling our current seasons of life. Chad and I swap book recommendations, discuss staying grounded while scaling success, and share what's been helping us perform at a high level — both in business and in life. This conversation is all about continuous improvement — refining your systems, investing in your health, and designing a life of purpose, freedom, and flow. Whether you're deep into your Fit Rich Life journey or just getting started, this episode is packed with practical wisdom and inspiration to help you level up.   Connect with Chad Carson:  Instagram: https://www.instagram.com/coachchadcarson  Website: https://www.coachcarson.com/ Podcast: https://www.coachcarson.com/coach-carson-podcast/  YouTube: https://www.youtube.com/@CoachChadCarson/videos Rental Property Mastery (RPM): https://rpm.coachcarson.com/   Get my FREE 29-Page Financially Fit Money Guide   In this episode: [00:00–22:19] Connecting with Chad Carson — FinCon Highlights, Networking Wins, Brand Deals & Smart Negotiation [22:20–38:57] YouTube Growth Insights — Crafting Click-Worthy Titles, Mastering Thumbnails & Building Engagement [38:58–46:39] The Power of Hooks — Leveraging Analytics, Staying Consistent & Packaging Content for Success [46:40–01:17:32] Tracking What Matters — Performance Metrics, Non-Alcoholic Alternatives, and Favorite Protein Picks [01:17:33–01:43:14] Habits for Life — Lessons from Coach John Wooden, Building Relationships & Balancing Frugality with Joy [01:43:15–02:00:06] Coaching & Community — Growth Through Mentorship, Purposeful Projects & Meaningful Connections [02:00:07–02:12:45] Optimizing Mind & Body — Sleep Support, Creatine Benefits & Staying Competitive in Life & Sport [02:12:46–02:34:05] Tools & Takeaways — Top Podcasts, Favorite Tech & Health Gadgets, and Final Reflections   Resources Mentioned: Wooden: A Lifetime of Observations and Reflections on and off the Court: https://a.co/d/37T1zDS  Die With Zero by Bill Perkins: https://a.co/d/fJyLJYH  Acquired Podcast: https://www.acquired.fm/  David Senra Podcast: https://open.spotify.com/show/7jVjHrQJCbgruHkhrFi94A  Founders Podcast: https://open.spotify.com/show/7txiovdzPARhjm18NwMUYj  WHOOP: https://join.whoop.com/2A2D1953 Food Scale: https://a.co/d/7AOxOAr  Full Show Notes w/ Links to resources: www.fitrichlife.com/podcast/ FIT RICH LIFE NEWSLETTER Get fit, get rich, and live your best life in 10 minutes a week. Join 3,100+ smart readers who are leveling up their Fitness, Money & Life. Join here: https://fitrichlife.com/newsletter     WANT TO LEARN MORE?  Follow me on Instagram: https://www.instagram.com/justindavidcarl  Follow me on Threads: https://www.threads.net/@justindavidcarl  Follow me on Twitter/X: https://x.com/justindavidcarl  Connect on LinkedIn: https://www.linkedin.com/in/justindavidcarl    SHOW SPONSORS: I am incredibly passionate about Fitness and Money & have reached a substantial degree of mastery in these domains and now I'm looking to help others do the same! Interested in taking your Fitness, Money & Life to the next level? Book your Free Consultation today or drop me a DM on Instagram https://instagram.com/justindavidcarl to coordinate a time to connect with me.   From Pre-Workout to Protein if you desire to lead a happy, healthy, fit life, go to https://vedgenutrition.com/dragon  and grab your plant-based healthy essentials. Use the code DRAGON to save $$!  Thanks for tuning in!  If you liked my show, LEAVE A THUMBS UP, share, and subscribe!

    2h 34m
  7. Grant Lee: Gamma, Building an AI Startup, Company Culture, The Rise of The Generalist, Entrepreneurship, & More | FRLP 91

    10/08/2025

    Grant Lee: Gamma, Building an AI Startup, Company Culture, The Rise of The Generalist, Entrepreneurship, & More | FRLP 91

    In this episode of the Fit Rich Life Podcast, I sit down with Grant Lee — CEO and co-founder of Gamma, an AI-powered presentation platform transforming how people communicate and share ideas. Grant shares his entrepreneurial journey, from early challenges to building a thriving startup that blends technology, creativity, and collaboration. We dive into the realities of entrepreneurship — why having the right co-founders matters, how to build a strong company culture from the ground up, and the lessons learned from scaling an innovative tech company.  Grant also unpacks the rise of generalists in today's workforce, the importance of equity and ownership, and his best advice for founders navigating uncertainty and growth. This conversation goes beyond business. Grant opens up about how he applies the same principles that drive his company to his own fitness, finances, and personal growth.  If you're passionate about AI, communication, storytelling, entrepreneurship, leadership, and optimizing your life, this episode is for you. Connect with Grant Lee: LinkedIn: https://www.linkedin.com/in/grantslee/ Twitter/X: https://x.com/thisisgrantlee  Website: https://gamma.app/ Get my FREE 29-Page Financially Fit Money Guide In this episode: [00:00–11:40] Meet Grant Lee — The story behind Gamma, how it's revolutionizing presentations, and Grant's journey from idea to impact. [11:41–33:14] From vision to execution — building Gamma from the ground up, creating a lean and effective team, and showcasing how AI is transforming storytelling and communication. [33:15–50:50] Building stunning presentations in minutes — Grant's approach to company culture, fostering creativity, Gamma's "horizontal product" strategy, and the value of equity and ownership in startups. [50:51–01:08:25] The future of AI and creativity — lessons in leadership, the power of coaching, advice for aspiring entrepreneurs, and Grant's tips for living a Fit Rich Life.   Full Show Notes w/ Links to resources: www.fitrichlife.com/podcast/ FIT RICH LIFE NEWSLETTER Get fit, get rich, and live your best life in 10 minutes a week. Join 3,100+ smart readers who are leveling up their Fitness, Money & Life. Join here: https://fitrichlife.com/newsletter     WANT TO LEARN MORE?  Follow me on Instagram: https://www.instagram.com/justindavidcarl  Follow me on Threads: https://www.threads.net/@justindavidcarl  Follow me on Twitter/X: https://x.com/justindavidcarl  Connect on LinkedIn: https://www.linkedin.com/in/justindavidcarl    SHOW SPONSORS: I am incredibly passionate about Fitness and Money & have reached a substantial degree of mastery in these domains and now I'm looking to help others do the same! Interested in taking your Fitness, Money & Life to the next level? Book your Free Consultation today or drop me a DM on Instagram https://instagram.com/justindavidcarl to coordinate a time to connect with me.   From Pre-Workout to Protein if you desire to lead a happy, healthy, fit life, go to https://vedgenutrition.com/dragon  and grab your plant-based healthy essentials. Use the code DRAGON to save $$!  Thanks for tuning in!  If you liked my show, LEAVE A THUMBS UP, share, and subscribe!

    1h 8m
  8. JL Collins: Does The Simple Path to Wealth Still Work, Do You Need Bonds, International Index Funds, Crypto, & More | Episode 90

    09/24/2025

    JL Collins: Does The Simple Path to Wealth Still Work, Do You Need Bonds, International Index Funds, Crypto, & More | Episode 90

    In this episode of the Fit Rich Life Podcast, I sit down with JL Collins — author of the legendary book The Simple Path to Wealth. With over a million copies sold and now a New York Times instant bestseller, JL is widely known as The Godfather of Financial Independence. His wisdom has shaped countless journeys to financial freedom, including my own, since I first discovered his framework back in 2017. We dive into the big questions: Does The Simple Path to Wealth still hold true today? Do bonds deserve a spot in your portfolio? Do you really need an international stock index fund? We also get JL's no-nonsense take on Bitcoin and crypto, plus his timeless advice on staying the course when markets crash. This episode is packed with 50 years of investing wisdom. If you're ready to simplify wealth-building and get clear on your path to financial independence, this conversation will give you the clarity and confidence you need. Listen to JL's first interview on the Fit Rich Life Podcast (Episode 71): https://fitrichlife.com/podcast/jlcollins    Connect with JL Collins: Website: https://jlcollinsnh.com  The Simple Path to Wealth (Revised & Expanded 2025): https://a.co/d/91jGRCM  Twitter/X: https://x.com/JLCollinsNH  Get my FREE 29-Page Financially Fit Money Guide In this episode: [00:00–10:43] Welcoming Back JL Collins — The Success of The Simple Path to Wealth, Why He Updated It, and the Timeless Core Principles [10:44–38:48] Staying the Course — How to Handle Market Volatility and Build Unshakable Confidence as an Investor [38:49–44:18] Bonds & Stability — Understanding Their Role, the Resilience of the U.S. Dollar, and Why They Still Matter [44:19–1:05:05] Stocks vs. Bonds — Smart Allocation, Wealth Preservation, and Personal Investment Strategies That Work [1:05:06–1:29:35] The Case for Index Funds — Domestic vs. International Investing and the Epiphany Behind The Simple Path to Wealth [1:29:36–1:43:09] Simplicity vs. Tinkering — The Two Types of Investors, Strategy Debates, and JL's Take on Bitcoin & Crypto [1:43:10–2:15:45] Beyond the Numbers — The Value of Coaching, Financial Independence for Any Income, and JL's Final Wisdom   Full Show Notes w/ Links to resources: www.fitrichlife.com/podcast/ FIT RICH LIFE NEWSLETTER Get fit, get rich, and live your best life in 10 minutes a week. Join 3,100+ smart readers who are leveling up their Fitness, Money & Life. Join here: https://fitrichlife.com/newsletter     WANT TO LEARN MORE?  Follow me on Instagram: https://www.instagram.com/justindavidcarl  Follow me on Threads: https://www.threads.net/@justindavidcarl  Follow me on Twitter/X: https://x.com/justindavidcarl  Connect on LinkedIn: https://www.linkedin.com/in/justindavidcarl    SHOW SPONSORS: I am incredibly passionate about Fitness and Money & have reached a substantial degree of mastery in these domains and now I'm looking to help others do the same! Interested in taking your Fitness, Money & Life to the next level? Book your Free Consultation today or drop me a DM on Instagram https://instagram.com/justindavidcarl to coordinate a time to connect with me.   From Pre-Workout to Protein if you desire to lead a happy, healthy, fit life, go to https://vedgenutrition.com/dragon  and grab your plant-based healthy essentials. Use the code DRAGON to save $$!  Thanks for tuning in!  If you liked my show, LEAVE A THUMBS UP, share, and subscribe!

    2h 16m
4.9
out of 5
26 Ratings

About

With a mission to empower people to proactively design & truly live a life worth living, Entrepreneur & Life Alchemist, Justin David Carl seeks out & shares expertise, wisdom & thought leadership in the areas of Fitness, Health, Money, Wealth, Financial Independence, Creativity, Business & Entrepreneurship, Personal & Spiritual Development, Lifestyle, Mindset, Habits, and all areas that encompass Holistic Wellbeing and a life well-lived.

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