Only 3 Years: When Compounding Takes Over

In this week's episode, I break down the relationship between savings rate and timelines to FI, and share a breakthrough that has me flipping conventional FI wisdom on it's head. What I realized is that for my specific situation, there is only a few years difference in my FI timeline if I continue to save at my current rate vs stopping saving completely. And so the reframe I am doing is: instead of having to wait until FI to make any career changes, examining the tradeoff between doing my current job for the next 10-15 years, vs. pivoting to a different one, since the reality is that even if I save nothing in a new role, the FI timeline wasn't as different as I expected. This reframe changed the way I am thinking about the next 10 years of my life. Hopefully this will be useful for those of you in the messy middle as well.

Disclaimer: this is not financial advice, and is for educational purposes only.

ChooseFI Years to FI: https://choosefi.com/financial-independence/savings-rate

Money with Katie Perfect Savings Rate: https://open.spotify.com/episode/37SkkaG8r1u7DV4X7jUdk3?si=cS_Wu4pqRJWxXIxhEQU1Jg

Risk Taker Types and How to Optimize: https://open.spotify.com/episode/0oa135SjX7FVyW4AwSRA1r?si=4BcArqlaTbCYp2WuSIY4Dw

Patrick Boyle: https://youtu.be/nJtL9MBVj48?si=VkYMUIZhZJi_jNwj

Det här avsnittet är hämtat från ett öppet RSS-flöde och publiceras inte av Podme. Det kan innehålla reklam.

Avsnitt(59)

Risk FI ft. Green (My Husband)

In this week's episode, my husband (nicknamed Green) and I discuss Green's recent journey down the FI rabbit hole. As someone who took this journey almost 6 years ago, it's been fun to have Green take...

11 Okt 24min

A Cautionary Tale About Gambling

In this week's episode, I share a true story about how an extended family member of mine seriously altered their life through gambling. I share this story because the reality is that gambling is more ...

7 Okt 14min

Women & Willpower

In today's episode, I reflect on the women of my past, inspried by a recent decluttering session of my childhood memorabilia. I also reflect on people in the present who I know to have a ton of willpo...

28 Sep 22min

Risk Takers: Types and How to Optimize

In today's episode, I talk all about risk takers! I myself tend skew more conservative when it comes to taking risks. Others skew more aggressive. Either way, I share tips and reframes to think throug...

13 Sep 23min

Reflections on Community - 2026

In this week's episode, I reflect on how my perspective on community has changed over the course of this year. I have had several realizations about ideal communities this year, inspired by trips I to...

7 Sep 12min

All About CoastFI/BaristaFI Jobs ft. Reddit

In this week's episode, with the help of some recent Reddit posts, I reflect on CoastFI/BaristaFI jobs - from how finding the sweet spot of a Phase 3 job can be quite difficult, to the best tips on ho...

1 Sep 11min

Paychecks to Purpose: Doug Cunnington Pt 2

In this week's episode, I continue my discussion with Doug Cunnington of Mile High FI on career, identity, and purpose. In Part 1 (linked below), we discussed childhood and career. In Part 2, we discu...

23 Aug 34min