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ChooseFI

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How would your life change if you reached Financial Independence and got to the point where working is optional? What actions can you take today to make that not just possible but probable. Jonathan & Brad explore the tactics that the FI community uses to reclaim decades of their lives. They discuss reducing expenses, crushing debt, tax optimization, building passive income streams through online businesses and real estate and how to travel the world for free. Every episode is packed with actionable tips and no topic is too big or small as long as it speeds up the process of reaching financial independence.© 2019-2023 Choose FI. All Rights Reserved. Disclaimer: The information contained in this podcast is for general information purposes only. In no event will we be liable for any loss or damage derived from the information provided. Economía Exito Profesional Finanzas Personales
Episodios
  • This Year Everything Changes | Ep 580

    This Year Everything Changes | Ep 580
    Jan 5 2026
    Jonathan Mendonsa has appeared on several ChooseFI episodes over the past few years, but 2026 marks a major evolution of the show. ChooseFI is being reimagined as a more interactive, more collaborative, and more deeply community-driven experience. As part of this next chapter, Jonathan officially returns to the show as Brad's frequent co-host, helping lead a truly crowdsourced platform where the community plays an active role in shaping the conversation around financial independence. Together, Brad, Jonathan, and the ChooseFI community are building a space focused on shared discovery — the first critical step on the path to financial independence. Join The Community This episode highlights how listeners can define their personal FI number, learn from real experiences within the community, and turn insight into meaningful action. ChooseFI's community-driven approach continues to empower individuals to learn from one another, explore what financial independence means for them, and move forward with confidence. Key Topics & Timestamps: Introduction (00:00:00) Welcome to a transformative year for ChooseFI. 2026 Goals (00:00:51) Brad and Jonathan reflect on the changes occurring in their lives and the FI community. Frugal Wins of The Week (00:20:31) Tips for celebrating small financial victories. Understanding Your Financial Independence Number (00:25:38) Explanation of how to calculate your FI number based on annual expenses. Community Engagement and Tools (00:30:12) Introduction of the new community app and its features for supporting members on their FI journey. Closing Remarks (00:58:17) A call to action for listeners to get involved in the community and share their journeys. Actionable Takeaways: Conduct a net worth statement for 2025 (00:36:54).Join the community app to connect with fellow FI enthusiasts (00:49:35).Participate in an expense audit to gain insights into your spending habits (00:56:20). Key Insights: Community Development: Building a supportive network is essential for financial growth (00:08:06).Frugality Defined: Frugality is about valuing what truly matters in life, not deprivation (00:40:47).Impact of Budgeting: Cutting just $100 from your budget can reduce your FI target by $30,000 (00:42:10). Quotes: "While everything changes, some truths remain constant." (00:12:16)"Building a thriving ecosystem for financial independence together." (00:14:13)"Your frugal wins can inspire others. Share your journey!" (00:20:31) FAQs: What is financial independence? Financial independence (FI) refers to having sufficient wealth to live without actively working for basic needs (00:25:54). How can I reduce my budget effectively? Conduct an expense audit to identify unnecessary costs and focus on essential spending (00:56:20). What are frugal wins? Small victories in saving money that inspire and motivate others within the community (00:20:31). Related Resources: How to make LMNT's electrolyte drink mix at home (00:21:26) Discussion Questions: What actions can you take in 2026 to enhance your financial independence journey? (00:12:20)How do you define frugality and its importance in your life? (00:40:47)Discuss the role of community in achieving financial goals. Why is it beneficial? (00:08:06)
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    59 m
  • 2025 Biggest Takeaways with Ginger | Ep 579

    2025 Biggest Takeaways with Ginger | Ep 579
    Dec 29 2025

    In this year-end reflection episode, Ginger and Brad share memorable insights from past interviews on budgeting, spending, and the importance of values in financial decisions. They discuss how taking action can lead to financial independence, the impact of community, and the transformative power of generosity. This episode encourages listeners to implement strategies that align with their personal values and relationships for achieving true wealth beyond financial metrics.

    Timestamps
    • 00:00:00 - Intro to the Episode
    • 00:01:47 - Reflecting on Memorable Interviews
    • 00:03:41 - The Importance of Budgeting
    • 00:05:20 - Seasons of Life and Spending
    • 00:09:16 - Community Impact
    • 00:10:52 - Generosity and Giving
    • 00:12:31 - Mindset Shifts
    • 00:52:05 - Concluding Thoughts
    Key Takeaways

    • Reflecting on Past Episodes (00:01:47)
      Ginger and Brad explore moments from previous interviews that resonated with them, focusing on actionable insights.

    • Importance of Budgeting (00:03:41)
      Budgeting is vital to achieving financial independence. Prioritize spending on experiences and values that bring joy, as highlighted by guest Ron Babcock.

    • Seasons of Life and Spending (00:05:20)
      Understand that spending should align with your current life stage. Budgeting isn't just about saving; it's also about recognizing what matters right now.

    • Community in Financial Independence (00:09:16)
      The FI community supports each other through shared experiences and service projects. Efforts like the FI Service Core highlight collective impact.

    • Generosity and Giving (00:10:52)
      Act on urges to be generous immediately; this reinforces meaningful connections and contributes to fulfilling relationships.

    • Mindset Shifts (00:12:31)
      Challenge limiting beliefs about what's possible in life. Acknowledge that perceptions can often be changed with the right reflection.

    Actionable Takeaways

    • Align Your Budget with Your Values (00:05:20)
      Identify what matters most in your life today and reflect this in your budget.

    • Practice Generosity (00:10:52)
      Make acts of generosity immediate to enrich your relationships and community.

    • Reflect on Beliefs (00:29:19)
      Question beliefs that limit possibilities and explore what changes can be made to achieve your goals.

    Quotes
    • "Embrace spending on values; it's essential for a fulfilling life." - Brad (00:07:18)
    • "True love requires sacrifices and effort." - Ginger (00:50:36)
    • "Little changes lead to significant results in financial independence." - Brad (00:41:32)
    Related Resources
    • The Happiness Trap - A book discussed in the episode that explores cognitive behavioral tools for a healthier mindset.
    Discussion Questions
    • How do you prioritize your spending to align with your values? (00:05:20)
    • What small sacrifice can you make today for someone you care about? (00:50:36)
    Action Items
    • Reflect on your current financial habits. (00:05:20)
    • Set up a high-interest savings account for future goals. (00:25:54)
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    53 m
  • Year End Wins 2025 | Ep 578

    Year End Wins 2025 | Ep 578
    Dec 22 2025
    This special year-end episode [2025] celebrates the inspiring achievements of the ChooseFI community, highlighting transformative experiences in the pursuit of financial independence. Listeners share personal victories, including maximizing retirement contributions, career changes, and embracing minimalist lifestyles. The episode emphasizes the importance of community support, taking action, and designing a life that aligns with one's values. Timestamps & Key Topics: 00:00:00 Introduction Welcome to the ChooseFI community, emphasizing financial independence. 00:01:00 Community Wins Discussion on inspiring wins shared by community members. 00:18:00 Individual Stories and Wins Members share their personal financial achievements, including reading financial literacy books and maximizing retirement contributions. 00:29:00 The Importance of Action The value of taking action in one's journey toward financial independence. 00:55:00 Closing Thoughts and Holiday Wishes Recap of the episode and a call to action for listeners to reflect on their own financial journeys. Key Takeaways: Transformative Experiences: Personal victories shared by listeners exemplify the power of taking control of one's financial future. Embracing Minimalism: Many members reflect on simplifying their lives as a means to achieve financial independence. Community Support: The importance of having a supportive network that encourages accountability and shared successes. Taking Action Matters: Highlighted throughout the episode is the need for listeners to act on their financial knowledge to see tangible benefits. Actionable Takeaways: Maximize Retirement Contributions: Focus on contributing fully to accounts like 401(k) and IRA to leverage tax benefits and compound growth. [Timestamp: 00:19:03] Embrace Simplicity: Cut out unnecessary complexities in life to allow more focus on what's important. [Timestamp: 00:11:54] Experiment and Learn: Understand that the journey to financial independence is a time to try new things and see what works best for you. [Timestamp: 00:26:03] Inspirational Quotes: "With the knowledge I now have, I'm planning on switching to part-time work by the end of 2026 so I can make spending time with my kids and my family my top priority going forward." [Timestamp: 00:36:27] "The boring middle can include some extraordinary detours." [Timestamp: 00:25:05] "This is the time to experiment." [Timestamp: 00:26:03] "I feel like I'm finally in control of my life, my health, and my happiness." [Timestamp: 00:47:16] "The freedom to be there for someone I love. This is as close to heaven as I've ever seen." [Timestamp: 00:34:03] Discussion Questions: What were some of your biggest financial wins this year? [Timestamp: 00:15:45] How do you define financial independence in your own life? [Timestamp: 00:23:12] What actions have you taken to simplify your lifestyle? [Timestamp: 00:12:30] Key Resources Mentioned: The Simple Path to Wealth - Amazon [Timestamp: 00:19:09]Die With Zero - Amazon [Timestamp: 00:32:34] Related Episodes: Health and Fitness Transformation [Timestamp: 00:53:55]Coast with Confidence [Timestamp: 00:36:27]
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    56 m
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Jonathan does an amazing job cultivating insight from his guests. He actively listens to understand and asks clarifying questions. I love listening and learning on my FI journey!

Relatable, educational, fun!

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There's so many nuggets I'm glad I now know! Here's to the future! Thank y'all!

A fantastic perspective adjuster!

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starting from the beginning years later i love the topics and how down to earth they are. I know they are way beyond this point now. hope that doesn't get to their head. but awesome so farr

love these guys and the subject

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So far this podcast has been life changing. I have learned so much about reducing debt, increasing income and so much more.

Excellent information

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