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FI Minded - Financial Independence Without the ExtremesAchieve Financial Independence & Have Fun Doing It Author: Justin Peters - Financial Independence Podcast Host & Educator
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 whos 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 lifewithout 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. 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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The Missing Piece of the FIRE Formula | E205 Brian Herriot
Episode 205
Wednesday, 9 September, 2026
For decades, the formula for financial independence has been remarkably simple: earn more, spend less, invest the difference, and build a portfolio large enough to cover your expenses forever.It's a strategy that's helped thousands of people retire years, even decades, earlier than traditional retirement.But what if there's another way to create freedom?Instead of replacing 100% of your income with investments, what if you also redesigned your work so you actually wanted to keep doing it?In this episode, I sit down with Brian Herriot, author of Time Freedom, to explore why flexible work may be the missing piece of the FIRE formula. Brian introduces his Time Freedom Formula, explains why meaningful work doesn't have to end at retirement, and shares a practical roadmap for building a lifestyle business that creates income, flexibility, and purpose.Whether you're pursuing Coast FI, full FIRE, or simply looking for more control over your time, this conversation will challenge how you think about work and help you discover another path to freedom.Key Takeaways:Discover the missing third lever of financial independenceLearn how flexible work creates freedom before full FIREUnderstand Brian's Time Freedom FormulaExplore lifestyle businesses that prioritize freedom over growthBuild work you enjoy instead of escaping work entirelyOther Episodes You’ll Love:How to Reach Financial Independence in 10 Years | E201 Chris LugerRetiring Before 50? Here’s What You Need to Know | E196 Jesse CramerTiny Quits That Build Toward Full FI | E194 Jess, The FioneersGuest Summary:Brian Herriot is an entrepreneur, speaker, and author of Time Freedom. After questioning the traditional path to financial independence, Brian developed a framework that combines investment income with flexible work to create meaningful freedom sooner. Through his writing and financial planning, he helps people build lifestyle businesses and redesign their careers so they can enjoy more flexibility, purpose, and control over their time long before traditional retirement.Connect 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.
