ChooseFI | Financial Independence Podcast

ChooseFI Podcast Episode Show Notes Episode Title: Unlocking Travel Rewards for Families **Episode Summary:**Travel rewards can significantly cut travel costs for families, allowing them to enjoy vacations without the burden of flight expenses. Lynn from Families Fly Free introduces the 80/20 principle for maximizing travel rewards, emphasizing efficient strategies for redeeming points. Families can leverage credit card sign-up bonuses to earn free flights, especially through the Southwest companion pass. Lynn debunks myths surrounding travel rewards complexity, illustrating how families can enjoy multiple trips per year with minimal financial outlay. Key Takeaways: Understanding Travel Rewards: Travel rewards allow families to enjoy affordable vacations by redeeming points earned through spending. The 80/20 Principle: Focus on simple, effective actions that yield the majority of rewards. By concentrating on a few key strategies, families can maximize benefits without excessive effort. Southwest Companion Pass: A powerful tool allowing one person to fly free with a paying passenger, significantly reducing overall travel costs. Credit Card Bonuses: Utilize sign-up bonuses from credit cards to quickly accumulate points necessary for travel. Responsible Credit Use: Maintain a good credit score by using credit cards wisely and paying balances on time. Timestamps: [00:00:00] Podcast Intro [00:01:01] Overview of travel rewards and introduction to Lynn from Families Fly Free. [00:03:00] "Frequent flyer miles don't require flying to earn!" (Key Quote) [00:12:00] Understanding the 80/20 principle in travel rewards. [00:23:00] Obtaining the Southwest Companion Pass. [00:26:00] Maximizing credit card bonuses for travel rewards. [00:19:48] "Booking in points buys you flexibility that cash can't provide!" (Key Quote) [00:35:27] "Maximize your Chase Ultimate Rewards points for incredible value!" (Key Quote) [00:40:00] Lynn's travel hacks and strategies. [00:48:30] Podcast Extro Actionable Takeaways: Focus on earning the Southwest companion pass if you plan to fly frequently with your family. (00:23:00) Utilize credit card sign-up bonuses to earn large amounts of points quickly. (00:26:12) Always book flights in points to allow for flexibility in itinerary changes. (00:19:48) Quotes: "I can now take my family on trips I once thought impossible!" (00:03:30) "Booking with points gives you unparalleled flexibility!" (00:18:40) Discussion Questions: What are your thoughts on using travel rewards for family vacations? (00:20:05) How do you feel about the importance of maintaining a good credit score? (00:16:00) What has been your experience with credit card bonuses? (00:26:12) Related Resources: Families Fly Free Podcast (00:48:43) ChooseFI Cards Page (00:12:00) **Call to Action:**Unlock your family’s travel rewards potential! Learn how to afford vacations without breaking the bank by mastering the strategies discussed in today’s episode. ▶ Listen Next: Ep. 354 — Personal Finance Risk Management Strategies | Essential ListeningSupport the ShowWe work hard to keep ChooseFI ad-free for a clean listening experience. The easiest way to support us is to use our Top Recommended Cards page when signing up for your next travel rewards credit card.

You already know how to save, invest, and track your expenses — but when did you last map your entire financial ecosystem? Most DIY investors in the FI community can name their portfolio allocation, but ask them about beneficiary designations, tax-efficient asset location, or whether their spending actually reflects their values, and the answers get fuzzy fast. Cody Garrett, CFP and founder of Measure Twice Money, helps FI-minded people fill those gaps without the traditional advisor fee structure. He walks through the critical documents, conversations, and strategies that often slip through the cracks — even for financially savvy people. Key Topics Discussed Understanding Financial Advisors [00:02:30] Common misconceptions about traditional financial advisors in the FI community. Finding an advisor who understands financial independence. The DIY Investor Approach [00:21:00] Proactive management of personal finance without solely relying on advisors. Gathering critical financial documents for effective planning. Aligning Finances with Values [00:27:30] Budgeting is about enhancing what truly matters and cutting down on less meaningful expenses. Discussing and defining shared financial values with partners. Advice-Only Financial Planning [00:55:00] Explanation of the advice-only model, which provides financial guidance without managing investments. This model aligns with the philosophy of the FI community, focusing on education over management. Action Items Create a Data Gathering Checklist [00:22:14] Compiling all financial documents provides a holistic view of your financial landscape. Evaluate Your Expenses Against Your Values [00:40:11] Periodically assess where your money goes in relation to what you value most. Engage in Open Conversations About Finances [00:15:05] Discuss financial habits and goals with your partner to build a shared understanding. Review and Update Beneficiary Designations [00:49:40] Ensure beneficiary designations reflect your current wishes and prevent issues in the event of your passing. Notable Quotes "The product that I provide as a financial planner is actually clarity and confidence." — Cody Garrett [00:14:17] "If you don't tell your money what to do, it tells you what to do." [00:24:26] "Keep your focus on aligning your money with your values." [00:07:13] "Budgeting is about reducing expenses on things that don't provide value." [00:40:11] "Beneficiary designations supersede the will." [00:46:19] Chapter Markers Introduction to Financial Ecosystem [00:00:00] Understanding Financial Advisors [00:02:30] Importance of Communication in Finance [00:14:00] The DIY Investor Approach [00:21:00] Data Gathering Checklist [00:22:30] Aligning Finances with Values [00:27:30] Advice-Only Financial Planning [00:55:00] Conclusion and Action Steps [01:07:00] Key Questions Answered What is a DIY investor? [00:01:00] A DIY investor takes charge of their own financial planning rather than relying solely on advisors. They proactively seek out knowledge and resources to manage their investments and financial strategies. How can I align my finances with my values? [00:40:11] Start by evaluating your spending to identify what brings you joy and aligns with your values, then adjust your budget accordingly to favor those areas. What documents should I gather for financial planning? [00:22:14] A comprehensive checklist includes investment statements, income statements, expense reports, and estate documents to provide a holistic view of your financial standing. What is advice-only financial planning? [00:53:20] Advice-only financial planning is a model where the planner provides personalized financial guidance without the expectation or obligation to manage investments. How often should I review my beneficiary designations? [00:46:05] You should review your beneficiary designations annually or after significant life events, like marriage or the birth of a child, to ensure they reflect your current wishes. Key Terms DIY Investor [00:00:30] An individual who manages their own investment choices and financial planning instead of relying solely on professional advisors. AUM (Assets Under Management) [00:09:02] A fee structure under which financial advisors charge a percentage based on the assets they manage for clients. Advice-Only Financial Planning [00:53:04] A service model where advisors do not manage investments but instead provide personalized financial education and strategies. Beneficiary Designations [00:46:15] Legal designations indicating who will receive certain assets upon one's death, superseding wills in many cases. Related Resources Measure Twice Money Website [01:03:10] ▶ Listen Next: Ep. 353 — Travel Rewards: How Families Can Travel for Free | Essential ListeningSupport the ShowWe work hard to keep ChooseFI ad-free for a clean listening experience. The easiest way to support us is to use our Top Recommended Cards page when signing up for your next travel rewards credit card.

Congress is about to eliminate the backdoor Roth IRA — and you have until December 31st to act. Sean Mullaney returns to help you squeeze every last tax benefit out of 2021 before year-end deadlines slam shut. This year's tax landscape looks different: backdoor Roth conversions face a new deadline, modified adjusted gross income thresholds determine who qualifies for key tax credits, and early retirees have a shrinking window to optimize Roth conversions. Whether you're racing to max out 401(k) and HSA contributions, considering donor advised funds to eliminate capital gains taxes on charitable donations, or planning income levels to maximize tax credits in early retirement, this episode covers the year-end moves that matter most for financial independence. Timestamps & Key Takeaways: [00:02:05] Sean Mullaney discusses his popularity in the tax planning space. [00:02:30] Backdoor Roth IRA Expiration Discussion Important changes this year regarding the backdoor Roth IRA deadline. Complete your backdoor Roth IRA by December 31st to avoid future restrictions. [00:09:01] Understanding Modified Adjusted Gross Income (MAGI) MAGI affects eligibility for tax benefits, including Roth IRA contributions. Ensure you're aware of your MAGI and how it impacts Roth IRA eligibility. [00:11:12] Maximizing Contributions to Lower Taxable Income Contributions to 401(k)s and HSAs can lower taxable income before year-end. [00:39:30] Donor Advised Funds as a Tax Strategy Utilize donor advised funds for charitable donations to optimize tax efficiency. Contribute appreciated stocks to donor advised funds to eliminate capital gains taxes. [00:49:30] Early Retirement Tax Planning Opportunities How early retirees can optimize their tax strategies. Plan Roth conversions and consider income levels for maximizing tax credits. Key Quotes: [00:06:32] "Act now; there's no downside to completing your backdoor Roth IRA by December 31st." [00:25:49] "Ensure your retirement accounts are streamlined before proceeding with the backdoor Roth IRA." [00:42:54] "Utilize donor advised funds to permanently eliminate capital gains taxes while donating." [00:54:36] "Don't let year-end tax strategies pass you by; take action now." Action Items: Review your retirement account structure for optimal tax planning. Clean up old retirement accounts before doing a backdoor Roth IRA. Assess your investment portfolio for potential appreciated stocks to contribute to a donor advised fund. Related Resources: Sean Mullaney's article on Year-End Tax Planning ▶ Listen Next: Ep. 352 — DIY Financial Planning: Create Your Own Financial Plan | Essential ListeningSupport the ShowWe work hard to keep ChooseFI ad-free for a clean listening experience. The easiest way to support us is to use our Top Recommended Cards page when signing up for your next travel rewards credit card.

When 70% of your net worth suddenly lands in a single stock, you're not managing a portfolio anymore — you're gambling. Brad and Jonathan tackle the terrifying euphoria of runaway winners with Brian Feroldi, who walks through exactly when to take profits, how to stomach the volatility, and why your tax bill might be the least of your problems. As prices surge on holdings like Tesla, Bitcoin, or Ethereum, investors face an uncomfortable reality: what started as a balanced portfolio can morph into a concentrated bet. The conversation covers risk management principles, including Brian's checklist for evaluating when to hold or trim positions, the emotional toll of watching massive swings in net worth, and practical strategies for rebalancing without triggering unnecessary tax consequences. Introduction to Runaway Winners [00:00:00] Discussion on Tesla and Investment Psychology [00:01:17] Situations where stocks or crypto investments significantly increase in value The emotional and practical implications of holding high-performing assets "The best problem to have is when an investment skyrockets, dominating your net worth." [00:04:08] Brian Feroldi's Investment Checklist [00:09:32] Brian shares his checklist for evaluating whether to buy more or sell "Consider limiting your exposure to volatile stocks to 10% of your portfolio." [00:07:07] Risk Management and Emotional Responses [00:22:03] Understanding volatility is crucial for realizing market returns Developing a plan to handle potential downturns helps manage emotional stress "High returns come with inherent short-term volatility." [00:24:40] "Understanding volatility is essential for realizing market returns." [00:23:46] Understanding Capital Gains and Selling Strategies [00:36:46] Tax implications on sales and when to reassess concentrated investments "Knowing when to reassess a concentrated investment is crucial." [00:34:12] Key Takeaways Define a clear percentage limit for individual investments to maintain portfolio balance [00:07:17] Consider creating an investor policy statement to outline your investment strategy and limits [00:33:50] Related Resources Brian's Investment Checklist [00:08:01] ▶ Listen Next: Ep. 351 — Year-End Tax Planning Strategies | Essential ListeningSupport the ShowWe work hard to keep ChooseFI ad-free for a clean listening experience. The easiest way to support us is to use our Top Recommended Cards page when signing up for your next travel rewards credit card.

The personal finance acronym you know could cost you thousands—but the one you don't know might cost you everything. Brad and Jonathan break down NGMI (Not Gonna Make It) and HFSP (Have Fun Staying Poor), two phrases exploding across crypto communities, while dissecting what they reveal about investor psychology and market dynamics. Timestamps & Key Topics [00:02:51] NGMI: Not Gonna Make It The acronym reflects a negative viewpoint on financial prospects, especially in investments. [00:03:09] HFSP: Have Fun Staying Poor This phrase is often used in crypto communities regarding poor investment decisions. [00:03:15] Discussion on SHIB The hosts discuss the explosive growth of the SHIB meme coin and extraordinary returns. [00:05:24] Market Liquidity Concepts Insights into liquidity's impact on asset value and investor behavior during market fluctuations. [00:10:41] FOMO and Investment Psychology How fear of missing out affects investment decisions, leading to emotional trading. [00:20:30] Understanding Market Dynamics The significance of grasping supply and demand principles in trading and investment choices. [00:29:22] Investor Policy Statements Establishing a personal investment plan to manage emotional decisions and market volatility. [00:37:11] Mailbag Segment Q&A session discussing listener inquiries and experiences related to investing. Key Takeaways Establish an investor policy statement to mitigate FOMO and emotional decisions in investing. Understand the liquidity implications of your investments to evaluate their true market value. Focus on long-term investment strategies instead of chasing high-risk, volatile assets. Terminology NGMI Not Gonna Make It, a term often used in trading communities to describe hopeless investment prospects. [00:02:51] HFSP Have Fun Staying Poor, a phrase used to describe poor financial decisions in crypto. [00:03:09] Liquidity The ease with which an asset can be converted to cash without affecting its market price. [00:05:24] Investor Policy Statement A document outlining an investor's strategy, goals, and the procedures to achieve them. [00:29:22] Paper Gains The increase in value of an asset that has not yet been sold; theoretical profits. [00:28:40] Related Resources Raising Your Money Savvy Family: ChooseFI.com/books Kid 401k Worksheet: ChooseFI.com/kid401k ▶ Listen Next: Ep. 350 — Balanced Portfolio Strategy: Managing Investment Winners | Essential ListeningSupport the ShowWe work hard to keep ChooseFI ad-free for a clean listening experience. The easiest way to support us is to use our Top Recommended Cards page when signing up for your next travel rewards credit card.

You're convinced retirement planning is all spreadsheets and sacrifice—but what if the biggest wins come from understanding a few simple rules most people never learn? Jonathan and Brad break down how mastering the mechanics of the tax code, employer benefits, and spending strategies can accelerate your path to financial independence without requiring a finance degree. Key Topics and Takeaways Introduction to Financial Independence [00:01:21] Overview of the financial independence concept and the importance of mastering the associated rules. Importance of Tax Code Knowledge [00:14:29] Knowing the rules of the tax code is essential for financial success (00:14:41) Understanding the progressive tax system—marginal tax brackets can significantly inform investment and savings strategies Saving with 401(k) and Employer Benefits [00:19:10] Leverage your employer's 401(k) for maximum benefit. Employer matches represent "free money" (00:19:10) Employer benefits, such as subsidies for health insurance, can add significant value to your compensation package (00:19:28) Travel Rewards Overview [00:41:29] Utilizing travel rewards effectively can yield significant tax-free benefits (00:41:36) How rewards can transform regular expenses into vacation opportunities Final Thoughts on Financial Rules [00:51:28] Essential to start integrating knowledge of financial rules gradually to build a strong foundation for financial independence Financial literacy doesn't happen overnight; it's built through continuous learning and applying knowledge Action Items Review your employer's 401(k) contributions and ensure you are taking full advantage of any match available [00:19:10] Look into credit cards that offer travel rewards as they can provide significant non-taxable benefits [00:41:36] Keep thorough records of all business and deductible expenses to simplify tax season [00:37:01] Chapter Markers Introduction to Financial Independence [00:01:21] Importance of Tax Code Knowledge [00:14:29] Saving with 401(k) and Employer Benefits [00:19:10] Travel Rewards Overview [00:41:29] Final Thoughts on Financial Rules [00:51:28] Related Resources Tax Optimization Guide [00:18:35] Travel Rewards Resources [00:44:34] Brian's Book: Why Does the Stock Market Go Up? [00:33:19] Key Quotes "Knowing the rules of the tax code is essential for financial success." [00:14:41] "Start off on the right foot to avoid last-minute scrambling later." [00:18:35] "Don't let the tax tail wag the dog." [00:30:24] "Utilizing travel rewards effectively can yield significant tax-free benefits." [00:41:36] Support the ShowWe work hard to keep ChooseFI ad-free for a clean listening experience. The easiest way to support us is to use our Top Recommended Cards page when signing up for your next travel rewards credit card.

Most investors think a 50% loss needs a 50% gain to recover. They're wrong — and that math mistake can destroy retirement plans. Brad and Jonathan unpack the deceptively simple mathematics of percentage returns and why statistical blind spots lead to massive financial miscalculations. The conversation centers on how losses hit harder than equivalent gains, why the sequence of returns matters more than average returns, and what safe withdrawal rates really mean when markets swing violently. They break down Compound Annual Growth Rate (CAGR) and show how controlling expenses offers more certainty than predicting market performance. The episode concludes with a segment on teaching entrepreneurship to kids as a foundation for financial literacy. Chapters: Understanding Returns [00:01:31] How percentage returns work and common misconceptions. Percentage Loss vs. Gain [00:06:08] The asymmetric math behind gains and losses; a percentage loss affects initial investments more drastically than an equivalent gain. CAGR Explained [00:10:21] Compound Annual Growth Rate and its significance in investment planning. Safe Withdrawal Rates [00:15:04] The 4% rule and safe withdrawal strategies for retirement planning. Entrepreneurship for Kids [00:33:40] Teaching children entrepreneurial skills and how it translates to financial literacy. Key Quotes: "A 100% return is an extra $1,000; a 200% return means an extra $2,000." [00:05:06] "To recover from a 50% loss in the first year, you need a 100% return in the following year." [00:09:19] "The timing of market fluctuations is crucial for your investment outcomes." [00:13:05] "Control over your expenses is key to financial independence." [00:22:30] "Understanding the unknowns of the future is vital for financial planning." [00:32:35] Related Resources: Simple Startup Course M is for Money Book Mentioned Episodes: Making Portfolio Adjustments with Big Earn [00:24:54] Flexible Spending Rules [00:26:41] Keys to a Successful Retirement with Fritz Gilbert [00:27:21] Kids and Entrepreneurship - Annalise [00:40:11] Kids and Entrepreneurship - Ariana [00:40:11] ▶ Listen Next: Ep. 349 — Investment Returns: Paper vs Real Returns Explained | Essential ListeningSupport the ShowWe work hard to keep ChooseFI ad-free for a clean listening experience. The easiest way to support us is to use our Top Recommended Cards page when signing up for your next travel rewards credit card.

Most people think they understand their retirement accounts — until they try to figure out the tax bill. Brad and Jonathan break down the three main "buckets" of retirement savings and reveal why knowing the difference between tax-deferred and tax-free accounts could save you thousands in taxes you don't need to pay. Brad's father-in-law asked a deceptively simple question over the weekend: "I've got a 401k, IRAs, a brokerage account, and savings — how do I figure out what gets taxed and when?" That real-life conversation sparked this episode, where Jonathan and Brad walk through the tax implications of each account type and how to strategically access your money in retirement. The goal: minimize your tax burden while maximizing control over your financial life. Key Topics Discussed [00:00:00] Introduction to Evaluating Assets [00:02:01] Discussion on Tax Strategies Understanding tax implications is crucial when evaluating how different assets will affect your liabilities. Your personal circumstances will dictate the right financial decisions for you. [00:05:44] Types of Retirement Accounts Overview of tax-deferred vs. tax-free vehicles (401k, IRA, Roth IRA, HSA). Tax implications of contributing to different retirement accounts. [00:17:56] Tax Implications of Withdrawals Difference between traditional retirement accounts and Roth accounts regarding withdrawals. Withdrawals from a Roth IRA can be tax-free. [00:31:00] Leveraging Capital Gains Understanding capital gains tax and how it impacts your investment strategy. Importance of tracking basis for capital gains tax calculations. [00:55:05] Final Thoughts and Strategy Financial independence gives you control over your life and your tax strategies. Key Quotes "How do I think through my finances from a high level?" [00:02:01] "Your circumstances will dictate your financial decisions." [00:12:56] "Withdrawals from a Roth IRA can be tax-free." [00:20:19] "Financial independence gives you control over your life." [00:28:05] Action Items Identify and track your investment basis to understand capital gains implications. [00:34:17] Analyze your tax bracket to optimize withdrawals from retirement accounts. [00:44:45] Review your tax strategy to align with your retirement and investment accounts. [00:55:47] Consider capital gains harvesting as a strategy to minimize taxes. [00:51:00] Related Resources Millionaire Educator [00:26:17] ▶ Listen Next: Ep. 347 — How to Calculate Investment Returns | Essential ListeningSupport the ShowWe work hard to keep ChooseFI ad-free for a clean listening experience. The easiest way to support us is to use our Top Recommended Cards page when signing up for your next travel rewards credit card.

Rethinking your career path doesn't mean starting over—it means building on what you already have. Brad and Jonathan break down how to navigate career transitions without sacrificing the financial independence you're working toward, while juggling the real demands of family life. The hosts share candid reflections on finding pockets of freedom as parents, including Brad's first solo breakfast with his wife after both kids started preschool. They explore how small budget decisions, like cooking at home, compound over time and how shifting your mindset about careers can open doors you didn't know existed. Key Topics Discussed [00:00:00] Introduction to Career Pivot The significance of career pivots in achieving financial independence. [00:00:42] Family Reflections and Freedom Brad shares experiences about newfound free time as his children attend preschool, emphasizing the importance of making the most of small windows of opportunity as parents. [00:04:58] Budget-Friendly Cooking Tips The importance of cooking at home to save money. Jonathan and Brad discuss easy, delicious, and cost-effective recipes that can help families eat well without overspending. [00:12:58] Seasons of Life and Anticipation The hosts reflect on how different seasons affect our appreciation of time and life experiences, encouraging listeners to embrace each phase. [00:38:07] Redefining Career Paths How perceptions of careers are changing, with an emphasis on personal branding, experience, and community support. The importance of focusing on one's savings rate for financial health. Notable Quotes "You get into the interview and instead of being ambushed by one question after another, you're actually guiding the conversation around what you've done." [00:48:24] "Embracing the different seasons of life gives us a chance to appreciate what's right in front of us." [00:12:20] "Savings rate to a large degree cures all." [00:21:49] "Personal branding, experience, and preparation are critical to career success." [00:40:58] "Don't waste the time you've been afforded; focus on meaningful activities." [00:26:06] Resources ChooseFI Meal Planning PDF: choosefi.com/meals [00:11:01] Related Episode Episode 248: Self-Worth vs. Net Worth [00:23:27] ▶ Listen Next: Ep. 346 — Tax Implications of Retirement Account Withdrawals | Essential ListeningSupport the ShowWe work hard to keep ChooseFI ad-free for a clean listening experience. The easiest way to support us is to use our Top Recommended Cards page when signing up for your next travel rewards credit card.

Playing it safe with your money might feel smart — until you realize you're watching your savings shrink year after year while others build real wealth. Brad and Jonathan dissect how excessive caution in investing often backfires, costing you more than any market downturn ever could. Drawing from William Green's "Richer, Wiser, Happier" and Morgan Housel's "The Psychology of Money," they explore why trying to avoid all risk actually guarantees poor returns. The culprit? Opportunity cost and inflation quietly eroding purchasing power while your money sits "safely" stagnant. De-worsification: Over-diversifying investments to the point where potential returns are diluted. Instead of spreading risk intelligently, you spread yourself too thin. The hosts walk through concrete scenarios showing how even modest 2% inflation compounds relentlessly, eating away at savings held in low-interest accounts. Meanwhile, invested money — even during downturns — compounds in the opposite direction, building wealth exponentially over time. Key Insights The Risk-Return Paradox [00:02:29] "Avoiding risk can often mean sacrificing potential returns." Extreme risk aversion doesn't eliminate danger — it just shifts it from market volatility to inflation erosion. Opportunity Cost in Action [00:03:39] Every dollar sitting in a 0.5% savings account is a dollar not earning market returns. Over decades, that difference between safety and growth becomes massive. The Rule of 72 [00:07:16] A simple calculation for understanding investment growth: divide 72 by your annual return rate to find how many years it takes to double your money. At 8% returns, you double every 9 years. At 0.5%? Every 144 years. Inflation's Relentless Pressure [00:23:16] "Understanding the constant presence of inflation is crucial for financial planning." Even at 2% annually, purchasing power halves roughly every 36 years. True Wealth Building [00:05:11] "Investing your money is the key path to true wealth." The math is unforgiving: compound returns over time dwarf any salary increase or savings habit alone. Timestamps [00:00:39] Introduction to Risk Avoidance [00:01:10] Understanding De-worsification [00:01:55] Quotes from Richer, Wiser, Happier [00:03:39] Opportunity Cost Explained [00:06:03] The Importance of Compounding Returns [00:07:16] Rule of 72 Explained [00:16:20] Understanding Inflation [00:21:10] The Concept of Purchasing Power [00:42:42] Conclusion Resources Richer, Wiser, Happier by William Green The Psychology of Money by Morgan Housel ChooseFI Episode 013: Diversification Strategies with Frank Vasquez [00:26:56] ▶ Listen Next: Ep. 345 — Career Change Strategy: How to Pivot Your Career | Essential ListeningSupport the ShowWe work hard to keep ChooseFI ad-free for a clean listening experience. The easiest way to support us is to use our Top Recommended Cards page when signing up for your next travel rewards credit card.