ChooseFI We're Becoming Millionaires… Now How Do We Talk About It?
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Feb 23, 2026 
Andy Hill, personal finance educator and author of Own Your Time, shares his Coast FI journey with short, practical habits for families. He describes monthly budget parties that turn money talks into connection. He explains choosing Coast FI to trade full-time work for family time and experimenting with part-time weeks while letting investments compound.
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Stagger Credit Report Checks Every Four Months
- Do check your credit reports regularly using annualcreditreport.com to spot fraud early.
- Brad recommends staggering checks every four months (Equifax, TransUnion, Experian) and freezing credit if you detect unauthorized accounts.
Use Recurring Tasks To Free Mental Space
- Do put recurring tasks into a task app to free mental bandwidth and avoid forgetting small but important chores.
- Brad uses ToDoist for everything from monthly toothbrush charging to decade tasks like passport renewal.
No Magical Investment Secret Exists
- Insight: There is likely no secret investment edge worth hunting for; compounding and fees dominate long-term returns.
- Brad cites JL Collins and the difficulty of beating the market net of fees, urging focus on long-term simple investing.
