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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 independence, financial freedom, or early retirement often leads to the same questions: How do I become financially independent? How much should I save? What happens after I reach FI? FI Minded helps you use money to create more freedom, without turning your entire life into a financial optimization project. Host Justin Peters explores the decisions behind building a flexible, work-optional life, from reaching financial independence and navigating Coast FI and Slow FI to spending your money, changing careers, stepping away from work, and figuring out what comes after FI. Each episode combines practical personal finance with conversations about early retirement, lifestyle design, work, spending, healthcare, self-employment, and life after financial independence. The goal isn't simply to reach FI as quickly as possible. It's to make progress toward financial freedom while actually enjoying your life along the way. On FI Minded, you'll learn how to: - Reach financial independence without burning out - Build a flexible, work-optional lifestyle - Navigate Coast FI, Slow FI, and other paths to FI - Make smarter decisions about spending and saving - Prepare financially and emotionally for early retirement - Figure out what life can look like after financial independence - Think through the tradeoffs behind major money and lifestyle 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), 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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3 Retirement Withdrawal Strategies for Early Retirees | E206 Rachael Camp
Episode 206
Wednesday, 23 September, 2026
For years, the 4% rule has been one of the most important tools in the financial independence community. It gives us a simple way to answer one critical question: Can I afford to retire?But once you actually reach FI, a different question becomes much harder to answer: How much should I spend?Retirement planner Rachael Camp joins me to challenge the idea that retirement spending needs to follow a rigid formula. Instead, she explains why spending can, and probably should, adapt to market performance, changing priorities, and the different stages of retirement.In this conversation, you'll learn three flexible withdrawal strategies that go beyond the traditional 4% rule: ratcheting, guardrails, and flexible spending. Rachael explains how each approach works, who they may be best suited for, and how to build a spending plan that gives you both financial security and permission to enjoy your money.You'll also learn why these ideas may be useful before you reach FI, especially if you've spent years becoming an exceptional saver but aren't sure how to become a confident spender.Key Takeaways:Rethink the 4% rule as a planning toolLearn three ways to make retirement spending more flexibleMatch your withdrawal strategy to your personalityBuild spending categories that adapt to changing circumstancesLearn how to become more comfortable spending your moneyOther Episodes You’ll Love:What to Do in Your Final Year Before Retirement | E198 Fritz GilbertRetiring Before 50? Here’s What You Need to Know | E196 Jesse CramerWhy Roth Contributions Are Overrated for Financial Independence | E191 Cody GarrettGuest Summary:Rachael Camp is a retirement planner and founder of Camp Wealth, where she helps clients build thoughtful, personalized retirement plans. Her work focuses on helping people navigate the transition from saving and investing to actually spending their wealth with confidence.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.
