9 to FI - Financial Independence Conversations

9 to FI - Financial Independence Conversations

Elliot and Josh

Episodes 48
Avg. Duration 39m
Activity Highly Active
Apple Rating 4.7 (7)
Since Sep 2025
Latest Episode Jun 2026

Publishing Details

Schedule
Weekly
Format
Episodic
Consistency
91%
Hosting
anchor.fm

Contact & Outreach

About This Podcast

9 to FI is a Financial Independence podcast hosted by Elliot and Josh from St. Louis. Together, they share honest commentary on their journey to FI—covering wins, challenges, and lessons learned along the way. With real conversations and practical insights, they aim to help others navigate the same path, taking Financial Independence from dream to reality.

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Recent Episodes

S1E46 WHY Pursue FI?: Our Personal Journeys | 9 to FI 046

Jun 08, 2026 40m

Finding Your "Why" for Financial Independence: Security, Time, Health, and Giving BackJosh and Elliot open with a humorous aside about “newspapers,” then discuss a Choose FI podcast episode featuring…

S1E45 Asset Allocation vs. Asset Location: Yes, There’s a Difference

Jun 01, 2026 39m

Asset Allocation vs. Asset Location: Building Flexibility and Tax EfficiencyElliot and Josh discuss the concepts of asset allocation and asset location, noting that financial terminology can be…

S1E44 Is Early Retirement still achievable for a 25 year old starting now? | 9 to FI 044

May 26, 2026 30m

Is Financial Independence Still Repeatable? Talking “Beating the System,” Time, and Modern OptionsJosh asks Elliott about co-presenting an FI 201 session, which Elliott says went well with positive…

S1E43 FI 201 - Moving to Crypto and Gambling | 9 to FI 043

May 18, 2026 29m

Previewing FI 201: Investing, Risk, Accounts, and SpeculationJosh and Elliot discuss Elliot’s upcoming FI 201 presentation for their local Choose FI group, co-presented with Alan Hansen, after their…

S1E42 Should I Take An EARLY WITHDRAW From My 401k to Fund Discretionary Spending? | 9 to FI 042

May 11, 2026 1h 7m

Should We Tap a 401(k) Early for Home Upgrades? A Middle-Class Trap Liquidity DebateJosh and Elliot discuss the “middle class trap” idea—having most wealth tied up in 401(k)s and home equity—and how…

S1E41 Continue MORNING ROUTINES in Early Retirement? | 9toFI 041

May 04, 2026 40m

Morning Routines After FI: Slow Mornings, Habits, and StructureJosh and Elliot discuss the value of routines—especially morning routines—after retirement and in working life, sparked by Sarah sharing…

S1E40 Saying "NO" is hard | 9toFI 040

Apr 27, 2026 41m

The Power of Saying No: Boundaries at Work, with Family, and with YourselfJosh and Elliot discuss how to say no to bosses, coworkers, friends, family, and oneself, reflecting on their shared…

S1 Retired at 48, lessons learned in the first year | 9toFI 039

Apr 20, 2026 54m

One Year Retired: Finding Pace, Purpose, and Permission to SpendElliot and Josh discuss Josh passing one year since retiring after a 25-year career. Josh reflects on celebrating the milestone with a…

S1E38 Health Updates, Market Dip Investing, and Elliot's move Decision | 9toFI 038

Apr 13, 2026 46m

Health Updates, Market Dip Investing, Rental Property Drag, and the Decision to Stay in the U.S.Josh and Elliot discuss several updates: both are working on fitness routines and comparing…

S1E37 April Fools? | 9 to FI 037 | 9 to FI Podcast

Apr 06, 2026 40m

Exploring a Move to France: Small-Town Life, Schools, Housing, and the Travel Reality CheckElliot returns to the podcast and briefly recaps how Lori filled in as a guest, then he shares details from…

S1E36 Why did we pay off a low interest mortgage early? | 9 to FI 036 | 9 to FI Podcast

Mar 30, 2026 23m

Why We Paid Off a 3.75% Mortgage Early (and What My First Year of Retirement Looks Like) | Josh & LoriWhy would Josh and Lori pay off a low-interest 3.75% mortgage years early—before Josh…

S1E35 Any regrets from your FIRE journey? | 9 to FI 035 | 9 to FI Podcast

Mar 23, 2026 40m

Do Josh and Elliot Regret Chasing Financial Independence? ACA Health Insurance Costs, FI Sacrifices, and Lessons LearnedDo Josh and Elliot have regrets from chasing financial independence? Before…

S1E34 The Probability of Possibility | 9 to FI 034 | 9 to FI Podcast

Mar 16, 2026 47m

Josh Recaps a Two-Week Las Vegas Trip as Josh and Elliot Discuss FIRE Spending, the 4% Rule, and ACA Subsidy CliffsJosh and Elliot record an off-the-cuff episode to keep their weekly podcast goal,…

S1E33 January Expenses and Leaving Facebook | 9 to FI ep 033

Mar 09, 2026 37m

Josh and Elliot Do an Expense Audit: Stop Lifestyle Creep, Cut Money Leaks, and Reduce Big Tech DependenceJosh tells Elliot he was mentioned in ChooseFI episode 586 (“Stop Lifestyle Creep with the…

S1E32 French FI - Guess Who's Moving to France | 9 to FI ep 32

Mar 02, 2026 49m

Josh on Early Retirement Real Estate Turnover + Elliot’s Plan to Move His Family to France in 2026Josh shares how a tenant turnover and light rehab has felt like a part-time job in early retirement,…

S1 Au revoir, America? - Bonus Episode - 9 to FI

Feb 27, 2026 14m

Considering a Move to Europe for FI: Italian Passports, Geoarbitrage, and Escaping Rising US CostsThe conversation centers on a family’s renewed consideration of relocating from the US to Europe.…

S1E31 The Great Transition - From FTE to RE | 9 to FI 031 | 9 to FI Podcast

Feb 23, 2026 56m

Do you have feedback or suggestions? We want to hear from you!Contact Elliot: [email protected] Josh: [email protected] Great Transition: How to Move from Full-Time Work to Early…

S1E30 Craft Your Legacy - Reverse Obituary | 9 to FI 030 | 9 to FI Podcast

Feb 16, 2026 26m

Navigating Life's Inevitable: Reverse Obituaries, Financial Planning, and Living FullyIn this episode, Josh and Elliot discuss the impact of Snow Apocalypse 2026 and delve into the concept of a…

S1E29 Missing Work and Improving Health | 9 to FI 029 | 9 to FI Podcast

Feb 09, 2026 42m

Navigating Early Retirement: Reflections and PlansIn this episode of 'Nine to FI,' hosts Josh and Elliot discuss the ups and downs of early retirement. Josh shares his experiences since retiring at…

S1E28 Setting Up and Helping Out Kids | 9 to FI 028 | 9 to FI Podcast

Feb 02, 2026 46m

Balancing Financial Support: Navigating Family Investments in Children's FuturesIn this episode, hosts Josh and Elliot discuss varying approaches to financially supporting children from high school…

Frequently Asked Questions

How many episodes does 9 to FI - Financial Independence Conversations have?

9 to FI - Financial Independence Conversations has published 48 episodes since September 2025, covering topics in Business, Investing.

Is 9 to FI - Financial Independence Conversations still active?

9 to FI - Financial Independence Conversations is currently highly active with new episodes weekly. Average episode length is 39m.

How do I contact 9 to FI - Financial Independence Conversations for sponsorship or guest appearances?

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