Navigating Gift Giving and Reflections on the Nine to FI PodcastIn this episode of the Nine to FI Podcast, hosts Josh and Elliot share their thoughts on gift-giving practices during the holiday season. Covering everything from family traditions to budgeting, they discuss their preference for experiences over material possessions and reflect on their personal approaches to giving gifts. Additionally, they touch on their podcast's progress, audience engagement, future topics, and improvements in audio quality. The episode ends with mutual appreciation for their listeners and plans for upcoming discussions in the new year.00:00 Introduction and Podcast Overview01:31 Discussing Gift Giving Philosophies02:55 Personal Gift Giving Experiences04:33 Gift Giving with Kids and Family06:12 Gift Giving Between Partners08:26 Wrapping Up the Conversation

Leaving a Six-Figure Career for Personal Independence: Insights from the 9toFI PodcastIf you found this discussion helpful, please Like this video, Subscribe to the 9toFI channel, and let us know your biggest takeaway in the comments below!https://youtube.com/@9tofi?si=hvip4nsvatb-D1q0In this episode of 9toFI, hosts Elliot and Josh discuss their experiences and decisions of stepping away from high-paying full-time jobs and how it impacted their Financial Independence, Retire Early (FIRE) journeys. They explore the change in mindset, lessons learned, and negotiating salary increases that led to their financial milestones. Josh shares his story of negotiating his salary to reach six figures and beyond while Elliot discusses similar financial growth in his career. They delve into the psychological challenges and societal perceptions of retiring early, and the balance between financial prudence and living a fulfilling life. Josh also touches on the unexpected challenges of early retirement, such as managing free time and dealing with sudden expenses. They conclude by discussing the potential of rejoining the workforce in different capacities and the importance of having supportive communities to navigate the FIRE journey.00:00 Introduction and Episode Overview00:24 Thanksgiving Break Reflections01:58 The Six-Figure Milestone03:21 Negotiating Salary Increases06:46 Career Progression and Salary History09:37 Early Retirement and Financial Independence16:24 Challenges and Considerations in Early Retirement32:19 Psychological and Social Aspects of Early Retirement36:06 Surprises and New Opportunities Post-Retirement40:15 Advice for High Earners Considering Early Retirement44:40 Final Thoughts and Wrap-Up#financialindependence #firemovement #personalfinance #careers

In this episode of Nine to FI, hosts Josh and Elliot dive deep into the world of side hustles, discussing their own experiences and the various types of side gigs people undertake. The episode covers the financial and personal benefits of side hustles, highlighted by interesting statistics and generational differences. They explore part-time jobs, gig economy roles, freelance work, entrepreneurial ventures, and credit card reward hacking. Josh and Elliot also share stories from their own lives, emphasizing skill-building and the impact on their journey towards financial independence. The episode concludes with a call to action for listeners to examine their own expenses and consider the potential of side hustles in their lives.00:00 Introduction and Audio Quality Disclaimer00:35 The Benefits of Side Hustles01:23 Personal Experiences and Seasonal Chit-Chat03:26 Statistics on Side Hustles in the US05:42 Generational Differences in Side Hustles09:33 Motivations Behind Side Hustles12:28 Cutting Down on Recurring Expenses20:23 The Impact of Reducing Expenses on FI21:28 Listener Engagement and Feedback22:59 Josh's Side Hustle Journey27:41 Personal Side Hustle Stories29:46 Exploring the Gig Economy30:29 Freelancing and Entrepreneurship33:04 The eBay Store Experience38:07 YouTube Ventures52:20 Credit Card Reward Hacking54:32 Dawn's Entrepreneurial Journey56:31 Conclusion and Future Plans#sidehustle