A mindset, money, and life podcast for late starters catching up to Financial Independence.
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Welcome to Money and the Mattress. I'm Kim Minert, the most unlikely person on the planet to host a podcast about money. If you're playing the stock market like a pro, stashing cash under the mattress, or like me, a creative mixture of both. You've stumbled upon the right place. Here, there are stories from everyday humans who have learned life lessons the hard way and advice from experts on how to make more money, save more money, and when you spend it, do it with style. We will guide your ...
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Taking it to the Streets: Best Pro Tips for Late Starters | FinCon Attendees | 118
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In this episode, we're taking it to the streets of Atlanta, GA where the 2024 FinCon took place. FinCon is the largest (and funnest) conference for independent content creators in the personal finance space. We wish you could have been there but since we couldn't bring our audience to FinCon, we're bringing a little FinCon to you. We chatted with s…
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Arizona Divorce Options, a newly formed non-profit in the Phoenix Metro Area, provides a wealth of information for parties who desire to preserve their assets, treat each other fairly, and protect their children despite the decision they’ve made to end their relationship. Spearheaded by Financial Neutral’s Amy Holewa, and joined by Michael Juilfs, …
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Retirement Remix: Crafting Financial Futures with Purpose | Christine Benz | 117
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In this episode we welcome back Christine Benz, director of personal finance and retirement planning for Morningstar. Christine is one of the most respected thought leaders on the topic of retirement and shares insights from her new book, 'How to Retire'. We discuss the importance of preparing for retirement well in advance, building social network…
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Value-Based Spending: The Latte Chronicles | Jen Smith & Jill Sirianni | 116
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In this episode, we talk with Jen and Jill from the Frugal Friends Podcast and authors of the new book Buy What You Love Without Going Broke. They believe the secret to saving money isn’t in coupons and sales, it’s in identifying what you value and pursuing it unapologetically. We chat about how value-based spending can meet higher emotional and ps…
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In this episode we are joined by the multi-talented Jordan Grumet, a hospice doctor, storyteller, and the host of the award-winning 'Earn & Invest' podcast. Jordan shares insights from his latest book, 'The Purpose Code', diving deep into the nuances of Big 'P' vs Little 'p' purpose, legacy, and finding true happiness. From his personal journey fro…
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Weathering Financial Storms | Kristen Knapp | 114
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After 28 years of playing the weather girl on TV, Kristen Knapp moved to part time work to follow her passion for travel planning for the financial independence (FI) community. She shares her fascinating backstory of growing up in poverty, dealing with childhood money trauma, becoming a successful broadcast meteorologist, and ultimately achieving F…
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FINCON Jeopardy | Justin Peters, Joel Larsgaard & Justin Brown-Woods | 113
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We love games so today we're bringing you a podcast takeover and having some fun with 'Money Jeopardy'! This was recorded live at FinCon 2024 (a conference for personal finance content creators) with 'The Struggle is Real' podcast, hosted by our friend Justin Peters. He’s joined by Jackie Cummings Koski (your co-host on 'Catching Up to FI'), Joel L…
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Tactical Tips and Tripwires: The DIY Financial Planner's Guide | Cody Garrett | 112
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Happy Holidays! Join us for this lighthearted chat with a longtime friend of the show, Cody Garrett, CFP. He shares his list of the 24 common DIY investment mistakes that might be hindering your path to financial independence and some tips on how to fix them. He steps us through the list which includes things like underutilizing employer benefits, …
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In this episode we welcome the legendary Bill Bengen! He is the creator of the infamous 4% rule that is referenced in any quality conversation about retirement and withdrawal rates. There's been spirited debates and lengthy discussions about Bengen's research but there is no one better than the man himself to weigh in on what he thinks about it 30 …
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Say Cheese!: The Retirement Spending Smile | David Blanchett | 110
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Today Bill and Jackie are joined by another genius in the world of retirement planning research, David Blanchett, PhD, CFA, CFP. In his role at PGIM, David is responsible for Target Date Funds and Retirement Spending Portfolios. In this episode he discusses redefined retirement concepts, the myths surrounding the 60/40 portfolio and some practical …
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Childfree Wealth and Life Planning | Dr. Jay Zigmont | 109
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In this episode we turn the tables as Bill joins Dr. Jay Zigmont, CFP on the Childfree Wealth podcast. Bill shares his journey as a late starter physician who lived largely a paycheck-to-paycheck existence until waking up at age 50. He now co-hosts the 'Catching Up to FI' podcast to help other late starters. Jay is the author of the upcoming book '…
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Year-End Financial Wrap-Up, Tips, and Resolutions | Eric Simonson | 108
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Hard to believe that 2024 is almost over but before we close it out, we have some end-of-year financial tips with special guest Eric Simonson, CFP and CEO of Abundo Wealth (an advice-only financial planning firm). Eric shares insights on maximizing different types of contributions, FSAs, charitable donations, and other tax strategies. There are a f…
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Real Estate Success: Teamwork, Trends, and Financial Freedom with Josh Hintzen
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Co-founder of The Mojo Real Estate Team, Josh Hintzen provides insights from his 20-year career in real estate. Josh shares his journey from starting in commercial real estate to transitioning into residential, detailing how leveraging teamwork and delegating responsibilities transformed his business. The conversation highlights the importance of a…
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Finding the Sweet Spot: Financial Literacy Meets Psychology | Jack Howard From Ally at FinCon | 107
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Our guest today is Jacqueline (Jack) Howard, head of Money Wellness at Ally Financial, a leading voice in financial health & wellness, and fierce change maker. We are thrilled to bring you this special episode recorded live from FinCon 2024 in Atlanta, GA! It's no secret that we love Ally and talk about them often on the podcast. From the high yiel…
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Navigating Medicare…How and When to Get It Right!
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If you’ve been inundated with calls and overwhelmed with commercials about Medicare, and wanted to get to the bottom of all the noise, this episode is for you! My guest Tana Walker is an Educator Extraordinaire in all things Medicare! https://takohealthcare.com/
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Sequence of Returns Risk: What Every Retiree Needs to Know | Karsten Jeske | 106
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Karsten Jeske also known as “Big ERN” is the founder and genius behind Early Retirement Now. He writes on all topics related to personal finance but is best known for his comprehensive series on safe withdrawal strategies. In this episode he dives deep into the intricacies of safe withdrawal rates, sequence of return risk, the importance of market …
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Space Telescopes, Sunflowers, and Financial Gardening | Jesse Cramer | 105
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In this episode, Jesse Cramer discusses the essential considerations for pre and post-retirement planning and the major factors late starters should consider. Jesse is founder of the award winning 'The Best Interest' blog and podcast. He left a career as a mechanical and aerospace engineer to work with clients at a fiduciary, fee-only financial pla…
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Tim Minert from Capital Asset Advisors joins us to offer expert advice based on his 3 decades of financial planning experience and the Dave Ramsey program of saving, paying off debt, and starting to invest! Whether you are just getting started or looking to grow your money, listen to this episode for great info!…
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Tennis and the Stock Market: Winning the Loser's Game | Disha Spath | 104
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By day, Dr. Disha Spath is an internist caring for her patient’s physical and mental health. By night, my she's known as The Frugal Physician and hosts the Finding Financial Freedom podcast. In this episode, Disha shares her personal journey from financial struggles to becoming an advocate for frugality and financial independence. She also discusse…
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Generosity and Smart Spending: A Family Affair | Andy Hill | 103
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Andy Hill is an award-winning blogger, podcaster, Youtuber and family finance coach. All under the brand of 'Marriage, Kids, and Money’, his primary focus is helping families build wealth and happiness. He shares his inspiring story of going from a $50,000 negative net worth to achieving financial independence and now living his best 'Coast FI' lif…
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Kandi Lee gives beyond practical advice to entrepreneurs, and “in the boat with you” support. You’re not floating alone anymore. She is a master coach with a vision and can help you move from stuck to success with simple mindset shifts and strategies! https://www.instagram.com/p/C0UkQj9vfEw/ https://www.one-elevennetwork.com/?fbclid=IwY2xjawGDYaVle…
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Beyond the Alphabet Soup: Expert Tips for Mastering Medicare & Avoiding Pitfalls | Danielle Roberts | 102
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This episode explores the intricate and confusing world of Medicare with leading expert Danielle Roberts. Danielle is founding partner at Boomer Benefits, an agency that has helped thousands of ordinary Americans learn and navigate their entry into Medicare since 2005. She's also author of the bestselling book '10 Costly Medicare Mistakes You Can't…
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Wanderlust and Wealth: A Nomadic Guide to FI | Cris Gawlik | 101
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Cris Gawlik sold all her possessions in 2019 to travel the world, and in this episode she shares her fascinating nomadic journey. Learn how she utilizes geo-arbitrage, manages her finances on the go, and maintains strong social connections across the globe. She gives us insights into how she handles banking, health insurance, and taxes while living…
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From Zero to Hero: A Late Starter’s Guide to the Galaxy | Becky Heptig | 100
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Subscribe and Watch on YouTube Join host Bill and guest Diana Falck as they explore the intersection of community resilience and getting involved. In the wake of a recent crisis in Western North Carolina and East Tennessee, the duo highlights local relief efforts and community collaboration. Then in this special 100th episode, we get back to the ba…
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Maximizing HSAs Part 2: Devising Drawdowns, Badass Scenarios & Listener Questions | Jeff York | 99
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Mind Blowing ways to Maximize Your Health Savings Account (HSA) | Jeff York | 98
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In this special two-part episode we unveil the 'Wealthy Custodian,' Jeff York (from episode 74 & 76), and take a deep dive into the world of Health Savings Accounts (HSAs). Jeff joins as co-host along with Bill and Jackie (our HSA Maven) to share how they supersized thier HSAs and discovered how powerful they can be on the path to FI. This comprehe…
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A Hero’s Journey: Krista & Ed, The Mother of All Case Studies! | Krista and Ed Kim | 97
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This heartfelt episode dives into the incredible story of Krista and Ed. From growing up in poverty to facing financial insecurity as adults, this resilient couple shares their journey of overcoming adversity and finding hope in the FIRE movement. Discover how a deep bond of love, open communication, strategic planning, and an unwavering spirit led…
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Money Dates and Marriage Myths: A Financial Toolkit for Couples | Brian Page | 96
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Former award-winning teacher turned educator on financial literacy and relationships, Brian Page discusses the concept of 'Modern Husbands' and the importance of viewing marriage as a partnership. Learn about his innovative Marriage Toolkit, designed with insights from over 30 experts, and discover practical tips on managing money, home, careers, a…
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Enoughness: Your Life or Your Money | Vicki Robin | 95
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Join hosts Bill and Jackie as they delve into a profound conversation with Vicki Robin, co-author of 'Your Money or Your Life.' Vicki discusses the concept of 'enoughness' as a spiritual practice and the fulfillment curve, offering insights into how recognizing enough can lead to a more satisfying life. The dialogue covers financial independence, t…
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Chatting with Coach Quentin McCain about Money Mindset, truly motivated me, and I know it will you as well. Quentin began his career as a Massage Therapist and worked as a Physical Therapist in one of the most difficult arenas, The Arizona Burn Center. Learning how coaching moved his patients to a new mindset brought him to a place where he knew he…
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Doña Quixote, Life Energy, and The Coming of Aging | Vicki Robin | 94
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Join Bill and Jackie in an engaging conversation with Vicki Robin, co-author of the best-selling book 'Your Money or Your Life'. Vicki shares her insightful philosophy on financial independence, community resilience, and the power of frugality. She discusses her journey from active community building to aging with purpose on Whidbey Island, and how…
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7 minutes to Fitness: Healthy Habits don’t have to cost a lot of either time or money
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Fitness Trainer Suzanne (Suzi) Havens offers money-saving advice by incorporating 7 minute workout routines into your day that can be done at home or anywhere you go, hotel rooms, parks, yep, anywhere! You’ll be motivated to stay fit for a lifetime and avoid the cost of medical expenses incurred by NOT taking care of yourself! She can be found on I…
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Millennial Revolution is in The House! | Kristy Shen, Bryce Leung & Little Matchstick | 93
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Subscribe and Watch on YouTube Kristy Shen and Bryce Leung are the dynamic duo behind the Millennial Revolution blog and movement. In this insightful episode, Kristy and Bryce discuss their journey from house-hunting to achieving Financial Independence (FI) and retiring in their early 30s. They delve into why they chose to reject traditional housin…
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Twin Towers: Lessons in Financial Freedom from Wall Street to Main Street | The Wealth Twins | 92
1:14:24
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Subscribe and Watch on YouTube Meet Nadia and Nicole, the Wealth Twins! Raised by a single mother in New York City's toughest projects, these twin sisters overcame obstacles to graduate from Columbia University, work on Wall Street, and ultimately achieve early retirement. In this episode, they recount experiences from 9/11 and the 2008 financial c…
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Stacking Washingtons in Joe’s Mom’s Basement and The Efficient Frontier | Joe Saul-Sehy | 091
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Subscribe and Watch on YouTube Joe Saul-Sehy of Stacking Benjamins joins the show to discuss financial planning, overcoming debt, and the importance of surrounding yourself with the right people. Joe shares his personal journey of financial mismanagement as a young financial planner, the principles behind the efficient frontier, and his thoughts on…
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Bill Yount on Starting Saving Late…You can Catch Up!
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Podcast host Bill Yount talks openly about the lessons learned while working has a high-earning medical professional…who knew a high income could be a liability when it comes to planning your future and retirement! Join the conversation and hear how you can literally start late and “Catch up to FI”. (Financial Independence). Visit his site; Catchin…
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In the Line of FIRE | Escaping Avalon | 090
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Subscribe and Watch on YouTube Bill and Jackie sit down with 'Jay,' an anonymous guest who shares his incredible journey from a military and police background to achieving financial independence by the age of 39. Jay discusses his experiences on the SWAT team and as an undercover detective, and the mental health challenges that came with his career…
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Dividing the Mattress; Straight Talk from a Family Law Attorney
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Experienced divorce attorney Cristi McMurdie uncovers the principles behind a client-centered approach to family law. Cristi shares her commitment to ethical practice, explaining how she ensures that every action taken is authorized and necessary, aiming to minimize costs and maximize outcomes for her clients. Discover the behind-the-scenes of lega…
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Twin Wins with the Baughier Brothers: CampFI, EAGLE Cohousing, and Fiology | David & Stephen Baughier | 089
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Meet David and Stephen Baughier, twin brothers and prominent figures in the Financial Independence community. David, a 20-year Navy veteran and founder of Fiology, and Stephen, creator of CampFI, share their financial journeys from early money lessons to becoming community leaders. David, Stephen, Bill, and Jackie discuss the impact of life events,…
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A Debt-Free Education leads to a Debt-Free Life!
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Jazz-Guitarist Pete Pancrazi left a life of certainty as a successful insurance agent working in his dad’s business to pursue a life of entrepreneurship as a musician. In a very expensive town in a very prestigious and expensive school of music, Pete managed to finagle his way through without incurring debt, obtained his masters at ASU and used a r…
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Why Does the Stock Market Always Go Up? | Brian Feroldi | 088
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Today we dive deep into the stock market with special guest, Brian Feroldi. As a financial educator, YouTuber, and author of “Why Does the Stock Market Go Up?”, Brian shares his wisdom on the long-term growth of the S&P 500, the significance of stock market indices, and the nuances of volatility and investment strategies. Bill, Jackie, and Brian di…
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The Transformative Power of Handwritten Letters | Amy Weinland Daughters | 087
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Subscribe and Watch on YouTube Amy Weinland Daughters is an award-winning author and keynote speaker, who joins Bill and Jackie to chat about the powerful impact of handwritten letters in the digital age. Amy shares her unique journey of reconnecting with an old friend, leading to an inspiring project of writing 580 letters to her Facebook friends.…
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The Powers of Starting Late, Retirement Calculators, and More | Chris Mamula | 086
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Subscribe and Watch on YouTube Chris Mamula, a former physical therapist who achieved early retirement at 41, shares his journey from financial mistakes to becoming a Certified Financial Planner (CFP) and a prominent voice in the FIRE movement. Discover practical tips on budgeting, saving during peak earning years, and utilizing retirement calculat…
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Better Late Than Never: A Step By Step Guide Part 2 | BiggerPockets Podcast | 085
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Here is the second half of Bill and Jackie’s conversation with Mindy and Scott on the BiggerPockets Money Podcast. They dig into the practical steps on how to start your financial journey as a late-starter. Enjoy! 🔗 Connect with us Buy CUtFI a coffee Record a message for CUtFI Thank you to our sponsors: Personal Finance Club (Use code CUTOFI to get…
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Laughing in the Face of Financial Futility...with Guest Linda Torkelson
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You can't make up the tragic moments that hit Linda Torkelson head on...and how graciously she handled each crisis at a time. More drama that a made-for-tv movie, Linda's husband died suddenly of a heart attack while hiking, leaving her with 2 in college and one still in highschool, a floundering business in an unstable economy and more. You will b…
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The Power of Reinvention with The Financial Tortoise | Tae Kim | 084
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Tae Kim, also known as the Financial Tortoise online, is a former U.S. Army captain, MBA graduate, and finance director turned successful personal finance YouTuber. He shares his journey from being $105,000 in student debt to achieving financial security and discovering the Financial Independence movement. Tae chats with Bill and Jackie about his e…
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Better Late Than Never: A Step By Step Guide Part 1 | BiggerPockets Money Podcast | 083
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Bill and Jackie were invited to join Mindy and Scott on the BiggerPockets Money podcast to go through a step-by-step process of how to get started on the path to financial independence as a late-starter, a topic highly relevant to their audience. Take a listen to this week's part one and then tune in next week for part two! 🔗 Connect with us Buy CU…
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Tim Ferch, my little brother and highly acclaimed free-throw shooter garnered a similar money mindset I did. We’re from Small Town, USA with no formal financial training, and yet we learned to scrap and save and make our money go a long way! Here’s a bit of history from cleaning chicken coops (my friends love those stories) to glamorous salon owner…
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Can Prenups Really Save Your Marriage? | Aaron Thomas | 082
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Meet Aaron Thomas, an attorney, founder of Prenups.com, and author of the book "The Prenup Prescription." In perfect time for wedding season, Aaron chats with Bill and Jackie about how a proper prenup can not only protect but improve your relationship. As a former divorce attorney who helped hundreds of clients secure favorable settlements, Aaron s…
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How to Think About Time: A Humble Legacy | Jonathan Clements | 081
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Today we're rerunning our episode with Jonathan Clements who is a dear personal friend and a friend of our community. He recently posted on his blog, HumbleDollar, about his final lap around the sun yesterday. Let’s send him our love. 🔗 Connect with us Buy CUtFI a coffee Record a message for CUtFI Thank you to our sponsors: Personal Finance Club (U…
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