109R | “Bear” Perspective

109R | “Bear” Perspective

What if a single market dip could actually accelerate your path to financial independence? This mashup episode brings together listener questions on international teaching salaries, personal fitness accountability, and market volatility—with Early Retirement Now's Big Earn (Carson) weighing in on why sequence of return risk matters less than you think. Abby shares practical advice on securing teaching positions abroad (including salary ranges of $18–$20/hour part-time to $70,000–$90,000 full-time), Brad reveals how his daughter keeps him accountable to fitness goals, and Carson explains why current market fundamentals remain solid despite recent drops. Key Topics International Teaching Opportunities Various roles range from part-time ($18-$20/hour) to full-time positions ($70,000-$90,000/year). Abby shares her experiences and emphasizes not limiting job searches to the Middle East. Utilize resources like Teachaway.com for international job placements. [00:13:10] Personal Fitness Goals Brad discusses his journey towards fitness and the influence of his daughter, Anna, on his commitment to goals. Importance of routine and establishing a specific time for workouts. Market Conditions and Sequence of Return Risk Big Earn (Carson) defines sequence of return risk and its significance for retirees. Strategies on how to cope with market downturns. View market drops as opportunities for dollar-cost averaging. [00:40:40] Timestamps 00:02:45 Discussion on fitness and personal goals 00:12:27 Insights from Abby on teaching abroad 00:29:31 Market conditions with Big Earn 01:03:01 Conclusion Key Quotes "Polite negotiation can lead to better teaching contracts." [00:15:43] "You have the power to make that choice, to pursue your dreams." [00:26:01] "The fundamentals are strong right now." [01:00:54] "Market drops can benefit those investing through dollar-cost averaging." [00:40:40] Resources Teachaway.com for international teaching jobs Atomic Habits by James Clear for building effective habits Big Earn's article on market conditions Action Items Check out episode 35 for more information on sequence of return risk [00:02:27] Set up an HSA as part of your financial strategy [00:04:01]

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608 | Die With Zero, Revisited

608 | Die With Zero, Revisited

Brad Barrett's daughter just graduated high school. She's heading to college in a few months. The number of times he'll see her for the rest of his life? Already countable. This realization—visceral a...

20 Heinä 1h 13min

607 | Other Mountains I Want to Climb | Diania Merriam

607 | Other Mountains I Want to Climb | Diania Merriam

Reaching financial independence is supposed to be the goal—but what if you get there and realize the real skill isn't earning or saving, but learning to spend? And what if the metric for business succ...

13 Heinä 1h 21min

606 | Deep Dive: Target-Date Retirement and Bond Funds | Cody Garrett

606 | Deep Dive: Target-Date Retirement and Bond Funds | Cody Garrett

Most investors think they're buying the same thing when they choose a target date fund—but two people who bought 2025 target date funds 15 years ago could have 40% different returns today. Same target...

6 Heinä 1h 8min

605 | Retire in Less Than 10 Years

605 | Retire in Less Than 10 Years

At 21, Cody Berman appeared on ChooseFI as a college student discovering financial independence. Three years later, he retired at 26. Now 30 with a $5 million net worth, he's back to reveal exactly ho...

29 Kesä 1h 7min

604 | Getting Personal With Personal Finance: Bill Yount

604 | Getting Personal With Personal Finance: Bill Yount

Bill Yount reached financial independence at 60—then froze. His financial advisor confirmed 100% security, yet instead of relief, he felt disoriented fog. The emergency medicine physician who transfor...

22 Kesä 1h

603 | Crash Proof: The Science Of Stock Market Resilience | Brian Feroldi

603 | Crash Proof: The Science Of Stock Market Resilience | Brian Feroldi

The stock market crashes about once every three years—at least a 20% drop. Most investors panic and sell. But if you understood why markets always recover, you'd do the opposite. Brian Feroldi reveals...

15 Kesä 51min

602 | FI 201 Beyond FI Basics: Asset Allocation & Market Psychology Mastery

602 | FI 201 Beyond FI Basics: Asset Allocation & Market Psychology Mastery

Most investors lose to the market because they're trying to pick winners in a game where only 4% of stocks have created 100% of market wealth over the past century. The math isn't in your favor—but th...

8 Kesä 1h 1min

601 | Travel Rewards 101 | Devon Gimbel from Point Me to First Class

601 | Travel Rewards 101 | Devon Gimbel from Point Me to First Class

Devon Gimbel just booked over $250,000 in travel last year using credit card points—but she's the first to tell you award travel isn't "free." It's a strategy for 10x-ing your existing travel budget b...

1 Kesä 1h 17min

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