FI Minded - Financial Independence Without the Extremes

Justin Peters - Financial Independence Podcast Host & Educator

English Business Careers Education How To Investing Explicit

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Episodes 199

Avg. Duration 46m

Activity Highly Active

Apple Rating ★ 5.0 (103)

Since Jan 2020

Latest Episode Jun 2026

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Every 2 Weeks

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Episodic

Consistency

88%

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About This Podcast

Pursuing financial freedom, a work-optional lifestyle, or early retirement often leads to the same questions: “one more year,” “do I have enough?” “what does life actually look like after this?” FI Minded helps you think like someone who’s already financially independent so you can make smarter decisions about how you work, spend, and live. From Coast FI and Slow FI to lifestyle design, career transitions, healthcare, and self-employment, each episode explores the real decisions behind building a flexible, work-optional life…without burnout, over-optimization, or missing out along the way. We cover: * Smarter ways to reach financial independence (without burnout) * Designing a flexible, work-optional lifestyle * Coast FI, Slow FI, and enjoying your time along the way * What life actually looks like after FI (and how to prepare for it) * The tradeoffs behind big money decisions Make progress toward financial independence while actually living your life. Some of our past guests include Carl Jensen (1500 Days), Jeremy Schneider (Personal Finance Club), Nick Loper (Side Hustle Show), Andrew Giancola (The Personal Finance Podcast), Jordan Grumet (Earn & Invest), Rachael Camp (Work Optional), Jillian Johnsrud (Retire Often), Sean Mullaney (FI Tax Guy), Jill Sirianni (Frugal Friends), Jackie Cummings-Koski (Catching Up to FI), Joel Larsgaard (How to Money), Cody Garrett (Measure Twice), Jesse Cramer (Personal Finance for Long-Term Investors), Jess (The Fioneers), Chris Hutchins (All The Hacks), Diania Merriam (EconoMe), Andy Hill (Marriage Kids Money), Fritz Gilbert (Retirement Manifesto), and and others helping you rethink how to approach financial independence.

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Recent Episodes

What to Do in Your Final Year Before Retirement | E198 Fritz Gilbert

Jun 03, 2026 37m

Retirement can feel like a finish line, but when it gets close, it often feels more like a transition you’re not fully prepared for.After years of saving, planning, and imagining what life could look…

What Our Wedding Taught Us About Money | E197 Gaby Deimeke

May 20, 2026 26m

Weddings are one of the most emotionally charged financial decisions you’ll ever make.You’re spending a large amount of money in a short period of time, making dozens of decisions — all while…

Retiring Before 50? Here’s What You Need to Know | E196 Jesse Cramer

May 06, 2026 45m

If you’re planning to retire early, there’s something most people don’t realize:Early retirement isn’t just “normal retirement…earlier.”Most financial advice is built around retiring at 65 with a…

You’re FI, But Still Obsessed with Making More Money | E195 Justin David Carl

Apr 22, 2026 50m

If you’ve been pursuing financial independence for a while, there’s a good chance you’ve built your identity around progress — earning more, saving more, optimizing everything.That mindset is what…

Tiny Quits That Build Toward Full FI | E194 Jess, The Fioneers

Apr 08, 2026 24m

Financial independence doesn’t have to be an all-or-nothing leap — it’s a spectrum, and you can start practicing freedom now. In this episode, I continue the conversation with Jess from The Fioneers,…

The Emotional Cost of Ignoring Burnout While Pursuing FI | E193 Jess, The Fioneers

Apr 08, 2026 18m

For many people pursuing financial independence, discovering compounding interest is the moment everything clicks.You start earning more, saving aggressively, and letting your investments grow. The…

Fridays: The Best Place to Begin Practicing Financial Freedom | E192

Mar 25, 2026 21m

As I got closer to financial independence, I realized something strange: I had more financial freedom than ever, but I still wasn’t using my time any differently.It forced me to ask a bigger…

Why Roth Contributions Are Overrated for Financial Independence | E191 Cody Garrett

Mar 11, 2026 27m

For years, I assumed Roth contributions were the smarter move. Pay the taxes now, enjoy tax-free growth later, and never worry about future tax hikes. It felt simple and responsible. But during my…

The Hardest Skill in FI: Knowing When to Stop | E190 Joel Larsgaard

Feb 25, 2026 41m

The FI community is incredibly good at effort, optimization, and doing hard things for a long time. But somewhere along the way, many of us forget how to stop. Even after gaining more control over…

Divorce Lawyer Reveals the Reasons Marriages Fail (and How to Prevent Them) | E189 Aaron Thomas

Feb 11, 2026 44m

Most people enter marriage with optimism and good intentions, but very few understand what actually causes relationships to fall apart over time. After spending 15 years inside divorce courtrooms and…

4 Rules That Will Help You Spend Money Without Stress & Regret | E188

Jan 28, 2026 20m

If you’re great at saving money but feel anxious, guilty, or uncomfortable spending it, I want to share 4 spending principles that have helped me.Many people pursuing financial independence don’t…

How to Create a 3-Day Workweek (Before You Reach FI) | E187 Andy Hill

Jan 14, 2026 45m

Everyone only gets 168 hours each week, and work quietly consumes the best of them. When careers sprawl into nights and weekends, health, relationships, and joy are usually the first things…

What’s on Your FI Bucket List? | E186

Dec 31, 2025 25m

If you’ve ever felt stuck somewhere between the excitement of starting your FI journey and the reality that the finish line is still years away, this episode will give you a practical way to stay…

End-of-Life & Estate Planning With Your Parents (In A Compassionate Way) | E185 Tess Waresmith

Dec 17, 2025 47m

Talking about end-of-life planning is one of the hardest conversations we’ll ever have, but also one of the most important. Whether you’re pursuing financial independence or already work-optional,…

50/30/20 Budget: Does This Popular Guideline Actually Work for FI Seekers? | E184

Dec 03, 2025 16m

Are FI seekers supposed to follow the 50/30/20 budget guideline — or is it completely irrelevant when you’re pursuing financial independence? In this solo episode, Justin walks through five years of…

Smart Frugality: The Frugal Mindset That Actually Feels Good | E183 JC Rodriguez

Nov 19, 2025 41m

Cutting costs can help you reach financial independence faster, but it shouldn’t come at the expense of your happiness. The real key is smart frugality: spending intentionally on what adds value and…

3 Hidden Traps That Make FIRE Feel Empty | E182 Jordan Grumet

Nov 05, 2025 30m

FIRE was never meant to be the finish line. It was supposed to be the launchpad. But somewhere along the way, we started chasing optimization instead of meaning.In this episode, I sit down with…

How to Find a Side Hustle You’ll Love (and Stick With) | E181 Nick Loper

Oct 22, 2025 26m

Everyone talks about starting a side hustle, but few talk about how to pick the right one. The one that fits your skills, your lifestyle, and your FI goals.Nick Loper, host of The Side Hustle Show,…

Optimal Tax Strategies for Your Early Retirement | E180 Cody Garrett & Sean Mullaney

Oct 08, 2025 49m

It might have been monsters under the bed, shadows in the corner, or creepy dementors from Harry Potter. We all had irrational fears growing up.Mine was creepy dolls. After watching a movie called…

Is Saving Too Much Holding You Back? | E179 Jesse Cramer

Sep 24, 2025 55m

I’m in this strange in-between stage right now, somewhere between Coast FI and Full FI. And I often feel pulled back and forth between spender and saver, current me and future me, speeding up and…

Frequently Asked Questions

How many episodes does FI Minded - Financial Independence Without the Extremes have?

FI Minded - Financial Independence Without the Extremes has published 199 episodes since January 2020, covering topics in Business, Careers.

Is FI Minded - Financial Independence Without the Extremes still active?

FI Minded - Financial Independence Without the Extremes is currently highly active with new episodes every 2 weeks. Average episode length is 46m.

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