
Saying "NO" is hard | 9toFI 040
9 to FI - Financial Independence Conversations
Intro
Josh and Elliot introduce the episode topic: how to say no at work, with friends, family, and yourself.
The Power of Saying No: Boundaries at Work, with Family, and with YourselfJosh and Elliot discuss how to say no to bosses, coworkers, friends, family, and oneself, reflecting on their shared people-pleasing tendencies. They open with accountability updates (Josh scheduling a colonoscopy; Elliot struggling to restart workouts after illness and foot pain), then share examples of difficulty setting boundaries, including Josh’s guilt over refusing Elliot’s brake help but spending a Sunday fixing another friend’s brakes after giving bad advice. Josh describes learning to say no at work by clarifying priorities and negotiating tradeoffs to avoid burnout, influenced by ideas like Cal Newport’s, while Elliot notes that extra effort isn’t always rewarded and emphasizes focusing on the most impactful work. They contrast work boundaries with the harder emotional challenge of saying no to friends and family, discuss regret and FOMO, and address saying no to oneself by limiting new projects, side hustles, and time commitments in early retirement.
00:00 Why Saying No Matters
01:14 Accountability Buddy Check In
03:59 The Brake Job Karma Story
06:28 Saying No at Work
11:15 Quality Over Quantity
15:53 COVID Era Boundaries
19:05 Declining the Return Invite
21:35 Friends Family Guilt
23:04 People Pleaser Guilt
24:06 Hell Yes Philosophy
25:28 Saying Yes Then Regret
27:02 Retirement Boundaries
28:28 Fence Favor Fallout
31:38 No To Yourself
32:35 Side Hustle Temptations
35:39 Time Value Debate
37:57 Babysitter Rate Reality
39:07 Practicing Better Nos
41:16 Closing And Feedback
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Contact Elliot: Elliot@ninetofipod.com
Contact Josh: Josh@ninetofipod.com
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