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FI Minded: Achieve Financial Independence & Have Fun Doing ItAchieve Financial Independence & Have Fun Doing It Author: Justin Peters
Want to achieve Financial Independence (FI) without missing out on life? FI Minded is the podcast for anyone seeking financial freedom, time freedom, and a work-optional lifestyle all while enjoying the journey along the way. Whether youre at the beginning of your FI journey or already deep into Coast FI or Slow FI, this show gives you practical strategies and insights to reach early retirement and design a life that aligns with your values, purpose, and fulfillment. Popular topics include: - FI Optimization Strategies: Actionable advice to reach Financial Independence faster without unnecessary stress. - Work Optional & Lifestyle Design: How to transition from the corporate grind and build a life of freedom, flexibility, and intentional living. - Time Freedom & Coast FI: Making the most of your time while still planning for the future, including mini-retirements, travel, and other ways to enjoy your life now. - Post-FI Identity & Purpose: What to do once youve achieved FI, and how to create meaning beyond money. - Burnout & Balance: Avoid the pitfalls of over-optimization and learn to balance saving for the future with mental health and happiness. If you want to reach financial independence, design a life thats purposeful and fun, and avoid burnout along the way, FI Minded is your guide to building a sustainable, fulfilling, and free 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), and many more inspiring voices in the FI space. Language: en Genres: Business, Education, How To, Investing Contact email: Get it Feed URL: Get it iTunes ID: Get it Trailer: |
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4 Rules That Will Help You Spend Money Without Stress & Regret | E188
Episode 188
Wednesday, 28 January, 2026
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 struggle with discipline. They struggle with permission. We have endless advice on saving and investing, but far less guidance on how to actually enjoy the money we’re working so hard to build.In this episode, I’ll share my personal Spending Playbook: four spending principles I use as a super saver to spend confidently, reduce stress, and still stay on track toward financial independence. These principles are designed to help me enjoy my money without sabotaging my long-term goals.This isn’t about spending more; it’s about spending intentionally, so saving stops feeling like a sacrifice.The 4 Spending Principles Covered1. The Fun FundA simple way to give a portion of your money one clear job: enjoyment — without competing with your investing goals.2. The Oops BudgetA no-questions-asked buffer for unplanned, non-fun expenses so money doesn’t add stress during already stressful moments.3. The “Moments That Matter” ListA short list of life events and experiences where you pre-decide money won’t have an outsized influence on your choice.4. Guilt-Free Spending CategoriesA few high-impact categories where spending creates outsized happiness — and where under-spending isn’t necessarily a win.Key Takeaways:Being good at saving doesn’t automatically make spending easyGuilt around spending is often a permission problem, not a math problemPre-deciding how you’ll spend removes stress in the momentSpending rules can create freedom, not restrictionEnjoying your money is a skill you can practiceIntentional spending supports FI — it doesn’t sabotage itThe goal isn’t to spend more, but to spend with confidenceFinancial independence should make life feel bigger, not smallerOther Episodes You’ll Love:Smart Frugality: The Frugal Mindset That Actually Feels Good | E183 JC RodriguezIs Saving Too Much Holding You Back? | E179 Jesse CramerYou’re Financially Free, But It Doesn’t Feel Like It | E165 Shannah GameConnect With JustinEmail me at Justin@FIMinded.com or connect with me on LinkedIn.Support FI MindedWant to hear more? Follow FI Minded on your favorite podcast player.Like this episode? Share it with a friend pursuing financial independence.Love the show? Say thanks by leaving a positive review.
