In this episode of CoastFI Couple, we explore the emotional side of financial independence and how unresolved money trauma can impact couples on their journey to FIRE. Whether it’s fear of spending, hoarding, or guilt over financial success, money trauma can create hidden obstacles that derail your financial plans. We’ll discuss how couples can recognize these emotional blocks, communicate effectively about money, and align their financial goals while healing past wounds.

We’re joined by Shannah Game, host of Everyone's Talkin' Money podcast, Certified Financial Planner (CFP), and Certified Trauma of Money Specialist. Shannah shares her expertise on money trauma and offers insights from her new book, Unraveling Your Relationship with Money. Together, we discuss how couples can address money trauma in their relationships and create a financial plan that nurtures both their financial and emotional well-being.

If you're a couple looking to strengthen both your finances and your relationship while working toward FIRE, this episode is for you! Tune in for practical strategies to heal money trauma and work toward financial freedom together.

For more on healing your relationship with money, check out Shannah Game’s new book, Unraveling Your Relationship with Money here: https://amzn.to/418QwqZ

Connect with Shannah:

Instagram: @shannahgame
LinkedIn: Shannah Compton
Website: www.everyonestalkinmoney.com

TOOLS WE LOVE AND USE

Budgeting: Qube Money - Use code “COAST” to get 2-months off the Premium or Family plan when you create an account.

Net Worth Tracking: Empower Personal Dashboard

Coast FIRE Calculator: BackofNapkin.co

HSA Expense Tracking: HSA Expense Tracker

CONNECT WITH US:
Website: https://coastficouple.com
Instagram: @coastficouple
Contact us: info@coastficouple.com

DISCLAIMER:
Heads up, friends! This show might include affiliate links or partnerships where we earn a little something. Rest assured, the opinions here are 100% ours and not influenced, reviewed, or approved by advertisers. Remember, we’re here to entertain and share our journey, not to give professional advice. For the serious stuff, consult a pro!

#CoastFIRE #CoastFI #FinancialIndependenceRetireEarly #FIRECommunity...

Welcome back to CoastFI Couple! In today’s episode, Yana and Matt dive into the stress-free way they manage money together—without spreadsheets, end-of-month surprises, or budgeting guilt.

They share how Qube Money, a revolutionary budgeting app linked to a card, transformed their finances by giving them real-time control, effortless automation, and complete peace of mind. Learn how they set up Spending, Bill, and Goal Qubes to prevent overspending, eliminate reconciliation headaches, and stop fraud before it happens—all while keeping budgeting simple and guilt-free for both spouses.

Plus, hear real-life stories of how Qube Money has helped them save smarter, avoid sneaky vendor charges, and make big financial decisions with confidence.

If you’ve ever struggled to stick to a budget or wished for an easier way to manage money as a couple, this episode is for you!

Timestamped overview:

00:00 Building an Anxiety-Free Budget
01:04 Intro and Qube Money
01:56 You Automate Savings—Why Not Automate Your Spending?
03:21 Why Living from a Spreadsheet Didn’t Work
05:00 The Right Tool to Make It to FIRE
07:20 Not Having Control of Your Expenses Slows You Down and Increases Stress
08:24 Increasing Your Savings Rate Is Easier When You Have the Right Tool
09:36 YNAB vs. Qube Money—From a Couple’s Point of View
13:15 How Qube Money Works
19:00 How We Incorporated Qube Money Into Our Financial Plan
19:55 Our Stress-Free Money Tree
22:56 Using Goal Qubes for Travel and Stress-Free Christmas Planning
24:56 Date Nights—Now Automatically Prioritized
26:24 Make Spending Guilt-Free—Even for Tightwads!
27:15 Stop Stressing About Money—Go Live Your Life!
28:10 A Good Budget Should Do 3 Things
30:55 Why Qube Money Gave Us the Confidence to CoastFI
33:01 Unrivaled Fraud Prevention… With a Debit Card!
36:16 Our Spending Qubes—What We See and Use Every Day
39:36 Quitting a Job and Using Qube to Stay on Track
41:36 How to Hack Your Bills (Meal Plans and Gym Memberships)
47:35 Our Goal Qubes and HSA Tracking
51:20 Concluding Thoughts and Final Advice

TOOLS WE LOVE AND USE

Budgeting: Qube Money - Use code “COAST” to get 2-months off the Premium or Family plan when you create an account.

Net Worth Tracking: Empower Personal Dashboard

Coast FIRE Calculator: BackofNapkin.co

HSA Expense Tracking: HSA Expense Tracker

CONNECT WITH US:
Website: https://coastficouple.com
Instagram: @coastficouple
Contact us: info@coastficouple.com

DISCLAIMER:
Heads up, friends! This show might include affiliate links or partnerships where we earn a little something. Rest assured, the opinions here are 100% ours and not influenced, reviewed, or approved by advertisers. Remember, we’re here to entertain and share our journey, not to give professional advice. For the serious stuff, consult a pro!

#CoastFIRE #CoastFI #FinancialIndependenceRetireEarly #FIRECommunity...

Welcome back to the CoastFI Couple Podcast! In today’s episode, we’re joined by Skyler and Rebecca Fleming, a married couple of four years and proud DINKWADS (dual income, no kids - with a dog!), to explore how they’ve built a strong financial partnership through open and intentional communication.

Skyler, a money coach and host of Money Talk with Skyler Fleming, brings his passion for finance, while Rebecca, a family medicine Physician Assistant, offers her thoughtful perspective. Fun fact: their first date included talking about money and even pulling out spreadsheets!

We dive into how family financial habits and experiences shaped their relationship with money and how they’ve learned to communicate effectively to build a future together. From balancing emotional and mathematical approaches to money, to using monthly budget meetings and tackling debt as a team, Skyler and Rebecca offer actionable tips for couples looking to strengthen trust and financial harmony in their relationships.

Join us for this fun conversation about growing together, navigating finances, and creating a strong foundation as a couple.

Connect with guests Skyler and Rebecca Fleming:
Website: moneytalkwithskylerfleming.com
Social Media: @moneytalk.skylerfleming
YouTube: Money Talk with Skyler Fleming

TOOLS WE LOVE AND USE

Budgeting: Qube Money - Use code “COAST” to get 2-months off the Premium or Family plan when you create an account.

Net Worth Tracking: Empower Personal Dashboard

Coast FIRE Calculator: BackofNapkin.co

HSA Expense Tracking: HSA Expense Tracker

CONNECT WITH US:
Website: https://coastficouple.com
Instagram: @coastficouple
Contact us: info@coastficouple.com

DISCLAIMER:
Heads up, friends! This show might include affiliate links or partnerships where we earn a little something. Rest assured, the opinions here are 100% ours and not influenced, reviewed, or approved by advertisers. Remember, we’re here to entertain and share our journey, not to give professional advice. For the serious stuff, consult a pro!

#CoastFIRE #CoastFI #FinancialIndependenceRetireEarly #FIRECommunity...

Welcome back to CoastFI Couple! In today’s episode, we’re tackling a powerful (but often overlooked) financial tool: the Health Savings Account (HSA). Did you know that a whopping 92% of people using HSAs are leaving free money on the table? That’s a ton of untapped potential just waiting to be unlocked! Join hosts Yana and Matt as they break down how to fully take advantage of these accounts to supercharge both your healthcare spending and retirement savings.

We’ll dive into the triple tax advantages of HSAs, explain how they stack up against Flexible Spending Accounts (FSAs), and share some savvy strategies for maximizing your HSA contributions. Whether you're just starting your financial journey or you're guiding adult children, this episode is packed with actionable tips for everyone! We’ll also talk about the perks of paying out-of-pocket to let your HSA grow tax-free, the importance of logging medical expenses, and why tracking your receipts is key to unlocking the full potential of your HSA.

So, buckle up and get ready for a fun, informative ride toward financial independence with the CoastFI Couple!

TOOLS WE LOVE AND USE

Budgeting: Qube Money - Use code “COAST” to get 2-months off the Premium or Family plan when you create an account.

Net Worth Tracking: Empower Personal Dashboard

Coast FIRE Calculator: BackofNapkin.co

HSA Expense Tracking: HSA Expense Tracker

CONNECT WITH US:
Website: https://coastficouple.com
Instagram: @coastficouple
Contact us: info@coastficouple.com

DISCLAIMER:
Heads up, friends! This show might include affiliate links or partnerships where we earn a little something. Rest assured, the opinions here are 100% ours and not influenced, reviewed, or approved by advertisers. Remember, we’re here to entertain and share our journey, not to give professional advice. For the serious stuff, consult a pro!

#CoastFIRE #CoastFI #FinancialIndependenceRetireEarly #FIRECommunity...

In this episode of the CoastFI Couple Podcast, we sit down with Janine Firpo, author, Forbes 50 Over 50 Awardee, and co-founder of Invest for Better, to discuss the transformative power of financial literacy and values-aligned investing. Janine shares her personal journey, from breaking barriers in the tech industry to becoming a passionate advocate for empowering women in finance.

We explore practical steps for taking control of your financial future, building a supportive money community, and aligning your investments with your values. Janine also provides insights into teaching financial literacy to the next generation, debunking myths about ethical investing, and overcoming common challenges women face when it comes to managing and growing their wealth.

Whether you're new to investing or looking to align your financial life with your beliefs, this episode is packed with actionable tips and inspiring stories to help you take the first step toward financial freedom.

Resources Mentioned:
- Learn more about Janine Firpo: LinkedIn
- Explore Invest for Better (membership is free starting Jan 2025!): LinkedIn; Instagram
- Read Janine’s Work: Activate Your Money

Tune in now to discover how you can empower yourself and others through mindful money management and purposeful investing!

TOOLS WE LOVE AND USE

Budgeting: Qube Money - Use code “COAST” to get 2-months off the Premium or Family plan when you create an account.

Net Worth Tracking: Empower Personal Dashboard

Coast FIRE Calculator: BackofNapkin.co

HSA Expense Tracking: HSA Expense Tracker

CONNECT WITH US:
Website: https://coastficouple.com
Instagram: @coastficouple
Contact us: info@coastficouple.com

DISCLAIMER:
Heads up, friends! This show might include affiliate links or partnerships where we earn a little something. Rest assured, the opinions here are 100% ours and not influenced, reviewed, or approved by advertisers. Remember, we’re here to entertain and share our journey, not to give professional advice. For the serious stuff, consult a pro!

#CoastFIRE #CoastFI #FinancialIndependenceRetireEarly #FIRECommunity...

Welcome back to CoastFI Couple! In today’s episode, we dive deep into the complexities of teaching financial literacy to teenagers in an increasingly cashless world. Colleen Salkow, an accredited financial counselor, military spouse, and mother, joins us to share her wealth of knowledge and experiences. We tackle the challenges of integrating traditional money management methods with modern financial automation, explore the benefits and pitfalls of cashless payments, and discuss practical strategies for educating kids about finances.

From the benefits of writing down expenses by hand to navigating the ins and outs of 529 educational savings plans, Colleen provides invaluable insights on ensuring your kids grow up financially savvy. We also touch on the important role of early financial conversations around college costs, scholarship planning, and the reality of student loans. Plus, you'll hear how families handle chores and allowances to instill financial responsibility and the importance of prioritizing personal financial security.

Whether you're a parent trying to teach your kids the value of money or someone interested in financial independence, this episode offers a treasure trove of practical advice, relatable stories, and expert guidance. So grab a cup of coffee (or wine), settle in, and let’s get started on this crucial conversation about money, family, and future planning!

Connect with our guest, Colleen Salchow:
Instagram: @salchowcoaching
LinkedIn: www.linkedin.com/in/colleensalchow/
Facebook: www.facebook.com/salchowcoaching
Website: www.salchowcoaching.com

TOOLS WE LOVE AND USE

Budgeting: Qube Money - Use code “COAST” to get 2-months off the Premium or Family plan when you create an account.

Net Worth Tracking: Empower Personal Dashboard

Coast FIRE Calculator: BackofNapkin.co

HSA Expense Tracking: HSA Expense Tracker

CONNECT WITH US:
Website: https://coastficouple.com
Instagram: @coastficouple
Contact us: info@coastficouple.com

DISCLAIMER:
Heads up, friends! This show might include affiliate links or partnerships where we earn a little something. Rest assured, the opinions here are 100% ours and not influenced, reviewed, or approved by advertisers. Remember, we’re here to entertain and share our journey, not to give professional advice. For the serious stuff, consult a pro!

#CoastFIRE #CoastFI #FinancialIndependenceRetireEarly #FIRECommunity...

Welcome back to CoastFI Couple! In today's episode, Yana and Matt walk up the "Fire Staircase" — a step-by-step journey through the various stages of financial independence, from CoastFI all the way to Fat Fire.

Listen in as Yana and Matt break down each "flavor" of FIRE, discussing their unique characteristics, benefits, and the transitions between them.

Whether you're just starting on your financial independence path or looking to deepen your understanding of advanced FI concepts, this episode is packed with insights and practical advice.

Plus, hear about Matt's recent experience at FinCon and the vibrant community of financial enthusiasts he connected with.

Ready to explore the roadmap to financial freedom and beyond? Let's get started!

Resources and Tools:

• Coast FIRE Calculator: BackofNapkin.co — Our new favorite tool for determining when you can stop saving for retirement.

CHAPTERS
0:00 Intro
1:15 CoastFI: The First Taste of Freedom!
3:43 Barista FI: Coffee, Healthcare, and a Larger Cup of Financial Freedom!
7:21 LeanFI: Creative Living with Minimalism!
9:15 Crisis-Proof Your Finances: Bonds, Savings, and Flexibility!
14:00 FIRE, Chubby FIRE, and “FI Folk” Winning the Financial Game!
16:15 FatFIRE: The High-Life of Financial Independence!
18:43 The Heart of FIRE: Gratitude Over Consumerism!

TOOLS WE LOVE AND USE

Budgeting: Qube Money - Use code “COAST” to get 2-months off the Premium or Family plan when you create an account.

Net Worth Tracking: Empower Personal Dashboard

Coast FIRE Calculator: BackofNapkin.co

HSA Expense Tracking: HSA Expense Tracker

CONNECT WITH US:
Website: https://coastficouple.com
Instagram: @coastficouple
Contact us: info@coastficouple.com

DISCLAIMER:
Heads up, friends! This show might include affiliate links or partnerships where we earn a little something. Rest assured, the opinions here are 100% ours and not influenced, reviewed, or approved by advertisers. Remember, we’re here to entertain and share our journey, not to give professional advice. For the serious stuff, consult a pro!

#CoastFIRE #CoastFI #FinancialIndependenceRetireEarly #FIRECommunity...

In today’s episode, Yana and Matt dive into the essential steps of financial planning, breaking down the critical "order of operations" when it comes to managing savings and investments on your path to Financial Independence. Which bucket should you fill first? From building a strong emergency fund and taking full advantage of employer retirement contributions, to navigating the complexities of HSAs and Roth IRAs, we outline each step.

We also explore strategies for automating your retirement savings and making the most of low-cost index funds to grow your wealth efficiently. Plus, Matt shares his personal journey, offering insights into common mistakes and pitfalls to avoid along the way.

Join us for an episode packed with actionable advice, expert tips, and valuable resources to help you and your partner work together toward achieving Financial Independence. It’s time to take control of your financial future—one bucket at a time!

05:19 Take company match; it's essentially free money.
06:56 Find low expense ratio index funds, ideally 0.04% or less.
12:24 HSA: Best retirement account, triple tax advantages.
17:55 Max out Roth IRA; invest funds wisely.
22:26 Few Americans maximize 401(k) contributions; prioritize them.
28:36 Prioritize retirement savings over 529 college savings to ensure financial security and avoid burdening children.
32:04 Building Bridge 4 is a long, boring slog. Community is essential.

TOOLS WE LOVE AND USE

Budgeting: Qube Money - Use code “COAST” to get 2-months off the Premium or Family plan when you create an account.

Net Worth Tracking: Empower Personal Dashboard

Coast FIRE Calculator: BackofNapkin.co

HSA Expense Tracking: HSA Expense Tracker

CONNECT WITH US:
Website: https://coastficouple.com
Instagram: @coastficouple
Contact us: info@coastficouple.com

DISCLAIMER:
Heads up, friends! This show might include affiliate links or partnerships where we earn a little something. Rest assured, the opinions here are 100% ours and not influenced, reviewed, or approved by advertisers. Remember, we’re here to entertain and share our journey, not to give professional advice. For the serious stuff, consult a pro!

#CoastFIRE #CoastFI #FinancialIndependenceRetireEarly #FIRECommunity...