

FI Minded: Bridging Pre FI Discipline and Post FI Freedom in Financial Independence
Justin Peters - Financial Independence Enthusiast
FI Minded is the podcast for anyone seeking financial freedom, time freedom, and a work-optional lifestyle while learning to think like someone who’s already FI. We help you bridge the gap between pre-FI discipline and post-FI freedom, so you can make smarter decisions today while enjoying life along the way.
Whether you’re just starting your FI journey or deep into Coast FI or Slow FI, this show offers practical strategies, mindset shifts, and insights to help you reach early retirement and design a life aligned 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 life now.
- Post-FI Identity & Purpose: What to do once you’ve 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.
- Bridging Pre-FI to Post-FI Thinking: Mindset shifts to help you think like someone already living FI, so your choices today set you up for freedom tomorrow.
If you want to reach financial independence, enjoy the journey without missing out on life, and develop a mindset that bridges pre-FI effort and post-FI freedom, 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), Andy Hill (Marriage Kids Money) and many more inspiring voices in the FI space.
Whether you’re just starting your FI journey or deep into Coast FI or Slow FI, this show offers practical strategies, mindset shifts, and insights to help you reach early retirement and design a life aligned 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 life now.
- Post-FI Identity & Purpose: What to do once you’ve 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.
- Bridging Pre-FI to Post-FI Thinking: Mindset shifts to help you think like someone already living FI, so your choices today set you up for freedom tomorrow.
If you want to reach financial independence, enjoy the journey without missing out on life, and develop a mindset that bridges pre-FI effort and post-FI freedom, 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), Andy Hill (Marriage Kids Money) and many more inspiring voices in the FI space.
Episodes
Mentioned books

Aug 17, 2020 • 58min
Saying No to An Invite, Apologizing the Right Way, and Communication that Works l E15 Jonathan Miller
Today’s guest is Jonathan Miller, a speaker, facilitator, and communication coach. He is also the host of the incredible podcast, Mindful Communication, where he has conversations with thinkers and influencers about the art and science of connection.
In this episode, Jonathan and I discuss why there is not a right or wrong whenever it comes to communication.
He also gives advice on how to say no to an invite, how to give a powerful apology, and how to take on someone else’s perspective.
This episode is perfect for anyone who wants to have more clarity with their words.
Key Takeaways:
[10:30] There is no right or wrong with communication rather what works or doesn’t work
[20:01] How to say no to an invite without offending the host
[23:17] Conflict can lead to two outcomes: drama or creativity
[35:29] The difference between a regular apology vs a powerful apology
[44:45] How to take on someone else’s perspective
Favorite Quotes:
[18:04] “We are denying the fact that we indeed have a choice and when we don’t have choice, it means we are a victim of circumstances.”
[30:45] “How is this person actually looking to work with me and I am getting in the way of working with them.”
[45:00] “There are as many perspectives on this planet as there are people.”
More of TSIR:
Find show notes and more at https://www.tsirpodcast.com/
Follow us on Instagram at https://www.instagram.com/tsirpod/

Aug 3, 2020 • 52min
How to Address Performance Issues, Gain Trust with Senior Leaders, and Become a Better Leader l E14 Steve Gillen
Today’s guest is Steve Gillen, Senior Executive at Marsh & McLennan Agency, with over 35 years of management and leadership experience.
I was fortunate to work along side Steve for over 7 years. He’s a people first leader whom is both fair and challenging.
In this episode, we will discuss how to become a better leader, addressing performance issues within your team, how to gain trust with more senior leaders, and much more.
This episode is perfect for first time managers looking to grow into exceptional leaders.
Key Takeaways:
[2:01] The difference between a manager and a leader
[10:49] How to become a better leader
[27:03] Three things to ask yourself when addressing performance issues on your team
[32:40] What to look for in a potential leader
[41:36] How to gain trust with senior leaders
[44:45] What is the biggest challenge facing leaders today?
Favorite Quotes:
[3:27] You’re not a leader if you don’t have followers.
[19:44] I am not afraid, and never be afraid, to roll up my sleeves and do the things that they are doing or need to do.
[26:34] If you don’t have confidence in someone to do the job, you need to address that. It’s not about delegation at that point, it’s about performance.
[36:32] When you’re in front of the group or in front of the room, you are representing the organization and that positivity needs to be there.
[42:43] Trust is not given, it’s earned.
[45:04] We are defined as leaders by how well we manage through a crisis.
Mentions:
Leaders Eat Last by Simon Sinek
More of Steve:
LinkedIn: https://www.linkedin.com/in/steve-gillen-6737546/
More of TSIR:
Find show notes and more at https://www.tsirpodcast.com/
Follow us on Instagram at https://www.instagram.com/tsirpod/

Jul 20, 2020 • 1h 7min
Relationship Lessons from Our First Year Dating I E13 Gaby Deimeke
Today’s episode is a little different than the usual interview style format.
Gaby Deimeke and I have officially been dating for one year, so I invited her on the show to have a discussion about the past year together.
We share insights including what we’ve learned about each other, what we plan to work on in year two, and break down what’s worked for us so far.
We are far from perfect but we are hoping that we might just say something that you can try out in your relationship.
Key Takeaways:
[8:48] Effort is the bedrock of every healthy relationship
[11:45] Sharing the spotlight and supporting each other in our relationship
[21:08] How we adapt to each other’s primary love languages
[31:25] How we do weekly date nights
[45:09] Being able to respectfully tell your partner no
[53:10] Defining core values in our relationship
Favorite Quotes:
[3:07] Okay, wow. We are a year in, forever to go.
[8:51] Always put in 10 times the effort even if you aren’t going to get that in return.
[29:06] Real love and real relationships are the most effort you can put in.
[55:27] Figure out what values you want to cultivate. And it's crazy how much by being intentional about cultivating it, it will come into your relationship.
Mentions:
5 Love Languages by Gary Chapman
Relationship Theory with Tom & Lisa Bilyeu
Untamed by Glennon Doyle
More of Gaby:
Instagram: @gdeimz
Website: www.gabydeimeke.com
More of TSIR:
Find show notes and more at https://www.tsirpodcast.com/
Follow us on Instagram at https://www.instagram.com/tsirpod/

Jul 6, 2020 • 52min
Improve Your Sleep with These Simple Tips I E12 Lee Chambers
Today’s guest is Lee Chambers, a Workplace Wellness Consultant that wants to help people live a healthier version of themselves.
At a critical time in his life with a young child and a pregnant wife at home, he lost the ability to walk. After 11 months of rehabilitation, he regained mobility and decided to start a coaching business called Essentialise.
During our conversation, Lee shares advice on practical ways to improve your sleep including caffeine curfews and bedroom optimization.
Key Takeaways:
[2:17] Why Lee started Essentialise
[8:08] How Lee responded when he lost the ability to walk
[20:25] Lee’s thoughts on the culture around sleep deprivation
[31:16] Strategies for balancing coffee and alcohol with sleep optimization
[36:30] How to redesign your bedroom to optimize your sleep
Favorite Quotes:
[9:52] You get a lot of time to reflect when you’re stuck in a hospital bed and can’t move.
[12:06] By the time she’s walking, god dammit I’m going to be walking too.
[25:03] In the past 10 years people have started to realize sleep is the fundamental driver of health and performance.
[37:55] Your bedroom should be for sleep and sex.
[45:05] We don’t even embrace boredom anymore.
More of Lee:
Instagram: @essentialisecoach
Website: https://www.essentialise.co.uk/
Website: https://leechambers.org/
YouTube: https://www.youtube.com/channel/UClTzVmPvXM09HB7uL-gWPag/
More of TSIR:
Find show notes and more at https://www.tsirpodcast.com/
Follow us on Instagram at https://www.instagram.com/tsirpod/

Jun 22, 2020 • 1h 9min
”NO Stands for Next Opportunity” How to Overcome Rejection and Get What You Want I E11 Dee Goines
Today’s guest is Daniel “Dee” Goines, who has spent the last 15 years crafting an impressive career in higher education.
His story illustrates how you can create opportunities for yourself and capitalize on them. He has an infectious personality with a humble storyline. Oh, and he shook The Rock’s hand (you’ll hear more about it in the episode).
This episode is perfect for someone who has been going through a time of rejection and needs some inspiration.
Key Takeaways:
[3:06] Dee’s difficult route to college
[18:14] Dee meeting his mentor John Buck
[27:23] Advice on how to overcome rejection and cultivate more hunger
[33:39] How you go from knowing no one in high school to being a super connector in college
[44:57] How Dee met Dwayne “The Rock” Johnson
[55:41] Dee’s thoughts on the current racial climate and advice on being an ally
Favorite Quotes:
[22:28] “If you think about it, all the cool people have one name.”
[31:32 “All of those 10 times I asked for a job, it was like an interview 10 times.”
[36:25] “Buck taught me the value of remembering someone’s name and greeting them by name.”
[37:54] “Just call me Dee.”
[44:30] “No stands for next opportunity.”
[49:56] “Having a plan, and not giving up, and like knowing you have to make stuff happen.”
[50:44] “It’s nice to be important, but more important to be nice.”
[53:29] “She said, Danny, there is a Santa Claus.”
[1:01:22] “If you care about a piece of property more than someone’s life, then there is a greater conversation that needs to be had.”
More of Dee:
Twitter: @deeucme
Facebook: https://www.facebook.com/dee.goines
Email: deegoines@gmail.com
More of TSIR:
Find show notes and more at https://www.tsirpodcast.com/
Follow us on Instagram at https://www.instagram.com/tsirpod/

Jun 8, 2020 • 59min
When It Comes to Big Decisions, Trust Your Gut I E10 Kate Holtz
Today’s guest is Kate Holtz, a good friend who I admire for her ability to follow through with scary decisions.
As a left-brain dominate, I’ve find sanctuary hearing that most of Kate’s big decisions are based on a gut feeling.
In this episode, Kate and I discuss her decision to go to Butler University, how she found herself in San Francisco post-college, and handling the transition to long distance dating.
This episode is perfect for those who find themselves overthinking decisions way too often.
Key Takeaways:
[4:41] How Kate’s upbringing affected who she is today
[15:35] How Kate made the decision to go to Butler University
[26:12] Kate’s choice to move to San Francisco and the challenges she had to overcome when doing that
[40:07] Handling long distance dating
[0:00] Advice when you’re seeking your first job
Favorite Quotes:
[10:54] My seventh grade brother called me bossy and that was definitely the tipping pointing where you start to realize you need to grow up and refine some of your characteristics
[13:28] Is there somebody else in the room that could do that better?
[19:58] There you go again thinking
[30:00] You know, I think I’m moving to San Francisco?
[46:53] You realize small things can make a big impact. You don’t have to do these grand gestures to make the other person feel loved.
More of Kate:
Instagram: @kate_holtz
LinkedIn: https://www.linkedin.com/in/kate-holtz-arm-40b4ba10a/
More of TSIR:
Find show notes and more at https://www.tsirpodcast.com/
Follow us on Instagram at https://www.instagram.com/tsirpod/

May 25, 2020 • 55min
Level Up Your Communication Skills with a Toastmaster President I E9 Geoff King
Today’s guest is Geoff King, a communication expert and all around great human.
In this episode, Geoff and I discuss why we believe effective communication is the number one skillset that everyone should be investing time into mastering.
Geoff shares some of his insights he’s learned from growing his real estate business, being President of a Toastmasters club, and competing and coaching in speech and debate.
This episode is perfect for those who are looking to keep themselves relevant in a world where clear communication can make a huge difference.
Show Notes:
[2:10] What Geoff learned from Toastmasters
[15:56] The most important skill Geoff looks for when hiring
[28:27] Stories from coaching speech and debate
[32:30] How to give effective feedback
[41:24] Why failure and learning are synonymous
[44:50] Using the 10X Rule to crush your goals
Favorite Quotes:
[22:50] “We look for someone that’s consistent. Are you committed to whatever it is that you’re doing?”
[25:24] “It’s not supposed to sound like you. It’s supposed to sound like someone that has already sold hundreds of houses.”
[38:57] “Once you get in the real world, the more you mess up, the faster you learn.”
[52:54] “It’s business as usual in an unusual way.”
Mentions:
The 21 Irrefutable Laws of Leadership by John Maxwell
Radical Candor: Be a Kick-Ass Boss Without Losing Your Humanity by Kim Scott
The 10X Rule: The Only Difference Between Success and Failure by Grant Cardone
More of Geoff:
Instagram: @thegeoffking
More of TSIR:
Find show notes and more at https://www.tsirpodcast.com/
Follow us on Instagram at https://www.instagram.com/tsirpod/

May 11, 2020 • 41min
Building Mental Toughness Through Running I E8 Calendar Club
This is a special episode for me. With a group of friends in April, I completed a running challenge called the Calendar Club.
I invited our group onto The Struggle is Real to discuss the challenge and lessons learned. We have lots of laughs throughout as everyone shares stories about their personal experiences.
This light-hearted episode is perfect for those looking to learn more about a fitness challenge that they could use to jumpstart their health journey.
Key Takeaways:
[3:27] Why each member wanted to do Calendar Club
[4:48] Discussion about our views on being a runner
[10:58] How we held themselves accountable throughout the month
[20:31] Overcoming long run days using mental fortitude
[32:08] Lessons learned by completing Calendar Club
Favorite Quotes:
[10:14] It’s encouraging for anyone who’s like, I don’t think I can do that. Actually you can do it, if you just decide to be dedicated to it. - Gaby
[15:10] I disliked most of it. - Shane
[26:25] There was this head wind, a really strong head wind. And it seemed to change direction no matter what side of the track I was on. - Mike
[34:07] Before you know it, your hardest workout is now your warmup. - Shane
[38:54] It’s on like donkey kong. - Bri
Mentions:
Jesse Itzler IG: @jesseitzler
TSIR episode with Shane Jenne: https://www.youtube.com/watch?v=XfDJxjkECqg&t=651shttps://www.tsirpodcast.com/e4-shane-jenne-from-overweight-to-fitness-coach-i-the-sandbox-with-justin-peters/
The Struggle is Real episode with Kyle Peters: https://www.tsirpodcast.com/e2-kyle-peters-the-power-of-authenticity-i-the-sandbox-with-justin-peters/
More of Calendar Club:
Instagram:
Brianna Schaeffer @brishafe
Shane Jenne @shanejenne
Gaby Deimeke @gdeimz
Mike Neace @mikeneace
More of TSIR:
Find show notes and more at https://www.tsirpodcast.com/
Follow us on Instagram at https://www.instagram.com/tsirpod/

Apr 25, 2020 • 59min
Critical Skills for Negotiating Your Next Job Offer I E7 Alexandra Dickinson
Today’s guest is Alexandra Dickinson, Founder and CEO of Ask For It, a negotiation training and coaching business.
In this episode, Alexandra and I discuss how negotiating doesn’t need to feel combative and unpleasant. She gives tactics and advice on a myriad of topics including figuring out an appropriate salary range, practicing for a salary negotiation conversation, and handling the question “how much do you currently make?”
This episode is perfect for those who feel they deserve more, but might not have the skills, or more importantly, the confidence to ask for it.
Key Takeaways:
[2:38] Starting Ask For It and overcoming imposter syndrome
[10:36] When to negotiate and how to go about it
[11:53] How to figure out an appropriate salary range
[22:04] How to practice for a salary negotiation conversation
[30:43] Advice on handling “how much do you currently make?”
[38:23] Utilizing the “wish, want, walk” method when negotiating
[45:21] Alexandra’s favorite negotiating advice
[51:12] Alexandra values and how she wants to raise her daughters
Favorite Quotes:
[5:23] You have to believe that you are worth it before anyone else is going to believe it.
[19:26] How much are you willing to pay to avoid an awkward conversation?
[26:47] It’s not about what you will do, it’s about what you have done.
[46:01] Speech is silver, silence is golden.
More of Alexandra and Ask For It:
Instagram: @askforitco
More of TSIR:
Find show notes and more at https://www.tsirpodcast.com/
Follow us on Instagram at https://www.instagram.com/tsirpod/

Apr 11, 2020 • 51min
Keep Your Money and Your Values Aligned I E6 Luis Savery
Today’s guest is Luis Savery, Founder of Templo Education.
In this episode, Luis and I discuss why he started an organization focused on educating young adults about financial literacy.
We talk about why he believes your purchases reflect what you truly value, how to get someone to be your mentor, and the small yet significant difference between discipline and impulse.
This episode is perfect for anyone looking to be more intentional about how they handle their money.
Key Takeaways:
[5:07] How growing up in Upper Manhattan influenced Luis’ mindset on money
[13:18] The inspiration for Templo Education and how the organization works
[19:19] Why the school system fails to teach financial literacy and what Luis would do about it
[26:16] Luis’ advice on how to find a mentor and maximize that relationship
[33:43] Where you spend your money reflects what you value
[41:18] Discipline versus impulse
Favorite Quotes:
[18:38] Adding finances to your repertoire while you're learning enhances you no matter what career you’re in.
[22:50] I can feed the angel or the beast, whatever your habits are, more money is going to feed that.
[36:46] When you look at someone's bank account, you can really see what they value.
[43:05] When you don't plan, the money controls you, but when you plan, you control that money. You tell your money where to go.
Mentions:
Shoe Dog: A Memoir by the Creator of Nike by Phil Knight
More of TSIR:
Find show notes and more at https://www.tsirpodcast.com/
Follow us on Instagram at https://www.instagram.com/tsirpod/


