260 episodes

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.

ChooseFI Jonathan Mendonsa & Brad Barrett

    • Business
    • 4.8, 2.6K Ratings

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.

Customer Reviews

4.8 out of 5
2.6K Ratings

2.6K Ratings

Millionaire.mom ,

LOVE this podcast

I just reached over 1 million in net worth partly due to the great community at ChooseFI. Thank you for the fantastic advice regarding TRAVEL HACKING. Prior to ChooseFI, I used a simple cash back card. Thanks to your advice on travel hacking, I now have thousands of dollars in travel miles to spend on my next family vacation. These travel dollars are way more than I would have received with the cash back card and are worth the litle bit of extra work card hacking takes. I love the positive nature of this podcast and the "get 1% better" concept. I just listened to #135 about paying down the mortgage. I'd like to offer your listeners my MORTGAGE PAYDOWN STRATEGY. I want to pay down my mortgage before retirement, but I also want to invest in passive index funds for that wealth accumulation and money making machine. BOTH are great objectives and each camp (fervently) argues that their way is best. Yet I don't think it has to be an either/or option only. The math always favors long term investment over paying down low interest and possibly tax deductible debt. But paying down debt at a guaranteed interest rate to be debt free in retirement and lower your monthly expenses is not wrong even if it isn't the best mathmatical answer. Here is what I am doing that I feel great about: I send my extra money every month to pay down my mortgage right now while the market is at an all time high but I plan to funnel all that extra money to VTSAX in my taxable account when we have a correction or recession. Although this is a form of market timing, it uses that extra money every month in an more intelligent way. It will eventually help me to accomplish both my goals in a faster and more optimized way than straight mortgage payoff will do. Although it may not be as mathematically optimized as index investing and keeping a mortgage longer, I love this approach as a middle road. Another approach I have heard is to do half and half every month, but to me, this doesn't take into account what the market is doing and that buying stocks on sale makes much more sense than dollar cost averaging with extra money when you want your mortgage gone also. Of course, I dollar cost average my retirement funds every month without fail, this is just my way of choosing how best to put my extra money every month to work for me since I want no mortgage in retirement.

Tandoori ,

Hands down the best finance independence podcast

Brad and Jonathan deserve the attention they’ve been getting with their Podcast and website. They gave me confidence to pull the trigger a year ago on my early retirement (in my 40s). The podcast is an excellent source for anyone interested in life-hacking and financial independence. It creates a real sense of community by interviewing a variety of thought leaders and bloggers in the FI world. They maintain a good pace through the podcast, and are each very engaging. They tackle a wide variety of topics in a laid back informal way, while making everyone feel welcome even when we're at different points on the learning curve. The Monday interview, followed by the Friday roundup is a neat format that lets the guest have their say, and then has the Facebook community comment on it before the Friday roundup when Brad and Janathan do a masterful job of summing up the feedback.

Grizzlyfan2 ,

Love the great information!

This podcast is such a resource for laying out the concepts of FI as well as some deeper dives into particulars. It has helped me learn about index funds and decipher some of the accounts in my 401k so I know where my money is being invested. My husband is already retired medically. I’ve had him listen to several podcasts as I work on a 9 year path to early retirement at age 55. I just wish I had found this info a decade ago. But, I didn’t know what I didn’t know. As you say, my 55 year old self will be so happy that my 45 year old self found it. Thanks for making this info available and relatable!

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