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ChooseFI

ChooseFI

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How would your life change if you reached Financial Independence and got to the point where working is optional? What actions can you take today to make that not just possible but probable. Jonathan & Brad explore the tactics that the FI community uses to reclaim decades of their lives. They discuss reducing expenses, crushing debt, tax optimization, building passive income streams through online businesses and real estate and how to travel the world for free. Every episode is packed with ac ...
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Modem Futura

Sean Leahy, Andrew Maynard

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Modem Futura is your weekly guide to the future of science, technology, and society—where futures and foresight meets real-world impact. Hosts Sean Leahy and Andrew Maynard—educators, futurists, and public scholars—dive into the breakthroughs and big questions shaping tomorrow: AI ethics, space exploration, climate tech, bio-engineering, digital media, STEM education, and the shifting future of work. In candid, banter-filled conversations with innovators, scholars, and storytellers, they unp ...
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Hosts Sean Leahy and Andrew Maynard kick off this episode with a behind-the-scenes reveal: they’re now capturing each conversation in Apple’s easy-to-edit spatial video—and debating what immersive podcasting might become. From there the discussion rockets into the cultural obsession with AI super-intelligence and “rogue” robots, sparked by Apple TV…
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Ginger interviews Meghan Combs, who shares her journey to financial independence after recently getting married. They discuss budgeting strategies, the significance of personal values in spending, and adapting financial goals amid life transitions. Meghan reflects on her net worth of $527,000 and the impact of automating savings, as well as her des…
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What does it really take to engineer life—and should we? In this wide-ranging conversation, Sean Leahy and Andrew Maynard sit down with ASU colleague Dr. Emma Frow to unpack the promise and perils of synthetic biology. Emma traces the field’s origins—from the early “DNA-as-code” dream of rational genetic design to today’s reality of brute-force exp…
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Episode Summary: Taxable brokerage accounts are often overlooked but are essential for building wealth and achieving early retirement. Brad Barrett and Cody Garrett highlight their flexibility, tax advantages, and strategic value. Cody Garrett provides insights on how to effectively navigate these accounts, dismantling common misconceptions while s…
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In this lively round-table, hosts Sean Leahy and Andrew Maynard sit down with renowned educational-technology scholar Dr. Punya Mishra to untangle the hype and hope around AI in education. Together they probe why “personalized learning” promises often miss the messy, human heart of learning; explore Sean and Punya’s shared devotion to John Dewey's …
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In this episode of ChooseFI, Ryan Brennan, founder of the FI Service Corps, dives into his journey within the financial independence (FI) community and how he is merging it with the spirit of volunteering. The discussion explores Ryan's background as a recovering CPA, his transition into this new venture, and the pilot events that successfully comb…
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Sean Leahy and Andrew Maynard reunite after Sean’s trip to Lisbon’s Future Days conference to riff on everything from testing an Apple Vision Pro on an 11‑hour flight to the Iberian‑Peninsula blackout that plunged Portugal and Spain into darkness. They use those real‑world anecdotes to explore “symbiotic futures,” the fragility of complex socio‑tec…
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In this episode, JL Collins discusses the transformative principles of financial independence outlined in his renowned book, The Simple Path to Wealth. Collins emphasizes the simplicity of investing, the power of living below your means, and the crucial role of compounding returns in achieving financial freedom. The conversation also touches on the…
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In this episode of Modem Futura, Sean L and Andrew M examine Apple TV+’s hit series Severance, using its mind-bending premise of surgically split consciousness to explore real-world questions around emerging science and technology, identity, and ethical responsibility. They unpack the show’s depiction of “innies” and “outies” as a metaphor for how …
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Dr. Bobby DuBois returns to discuss the essential role of sleep in achieving financial independence and enhancing overall health. He addresses the worrying trend of sleep deprivation among Americans and its significant consequences on heart health, weight management, and cognitive functionality. This episode is filled with evidence-based insights a…
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In this “student-takeover” episode, hosts Sean Leahy and Andrew Maynard sit down with Arizona State University sophomores Caleb Lieberman and Bella Faria to explore what it’s really like to be “AI-native” undergraduates. The conversation ranges from their day-to-day use of tools like ChatGPT Plus (Caleb’s personalized “Arthur Ivan”), Spotify’s DJ, …
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In this mailbag episode, Brad and Rachael dive deep into strategies for efficiently withdrawing money from taxable brokerage and retirement accounts. With a focus on understanding the different tax treatments associated with these accounts, listeners gain crucial insights into managing tax liabilities for retirement. Key Takeaways Different Types o…
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In this deep dive of Modem Futura, Sean Leahy and Andrew Maynard tackle the sensational claims surrounding the "de-extinction" of the dire wolf by Colossal Biosciences. Using the hype-heavy headlines as a jumping-off point, the hosts explore the real science behind resurrection biology, CRISPR gene editing, and the ethics of engineered evolution. F…
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Join the conversation with the ChooseFI community on the brand NEW ChooseFI Members Site and participate in discussions about budgeting, travel rewards, and obviously all things financial independence! Register Your Free Account See the Group Discussion Ginger Mentioned in this Episode Hi, all! Ginger here. Brad and I discussed minimalism a bit, an…
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In this lively, idea‑packed episode of Modem Futura, Sean and Andrew sit down with Taryn O’Neill—filmmaker, futurist, and impact storyteller—whose work bridges entertainment, emerging technology, and climate action. They trace the (nostalgic) arc from DVD‑by‑mail and the early YouTube web‑series boom to today’s streaming ecosystem, unpacking how re…
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In this episode of ChooseFI, Brad Barrett is joined by Mindy from BiggerPockets Money and Chris from Can I Retire Yet? to explore the concept of the "middle-class trap." They discuss the challenges faced by many middle-class individuals who appear wealthy on paper, yet find themselves financially restricted due to their assets being tied up in home…
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In this episode of Modem Futura, co-hosts Sean Leahy and Andrew Maynard sit down with special guest Dr. Jamey Wetmore, Associate Professor at Arizona State University and author of the Substack The Tech Skeptic Goes Electric. They explore the intricacies of owning an electric vehicle, including the joys of quick acceleration, the challenges of char…
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In this episode of ChooseFI, hosts Brad and Sean Mulaney dive deep into tax strategies crucial for financial independence, focusing on tax basketing, asset location, and effective use of retirement accounts. The conversation includes recent changes regarding 529 plans funding Roth IRAs and reassurances for those starting their financial journey at …
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In this episode, Sean and Andrew navigate the complex landscape of generative AI image tools, using the new OpenAI image generator and its Studio Ghibli–style outputs as a springboard for broader ethical questions. They discuss the rapid evolution of AI capabilities, and the complicated relationship between intellectual property and emerging AI too…
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Embracing Aging, Community, and Financial Independence Episode Summary: In this enlightening episode of ChooseFI, host Ginger talks with Vicki Robin, renowned author of Your Money or Your Life. The conversation delves into the complexities of aging, the importance of community connections, and how financial independence plays a critical role in pre…
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In this episode that features the shortest cold open to date, Sean face-plants the introduction hard with a good laugh. Sean and Andrew quickly shift into a deep dive on the state of AI-innovation by navigating the complexities of AI literacy, cultural responsiveness, and educational reform. Drawing on the launch of OpenAI Academy and insights from…
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Episode 13: Episode 279: Episode Summary: Lexi, a first-grade teacher from Las Vegas, shares her journey into personal finance, revealing how finding ChooseFI empowered her financial goals. Initially focused on homeownership, her perspective shifted during the COVID housing market boom, leading her to invest in her skills and explore high-yield sav…
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Grab your flip flops and beach gear and join is us on this laid-back spring break episode, Sean and Andrew cover Apple’s latest hardware announcements, spotlighting the MacBook Air’s new M4 processor and the powerhouse M3 Ultra chip in the Mac Studio—both of which promise to accelerate AI workloads and offer impressive longevity. Andrew does his be…
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Brad, Katie, and Alan Donegan discuss the groundbreaking financial independence-themed music album "Money Revolution." Through four key songs, they navigate the essential aspects of the financial independence (FI) journey, emphasizing the importance of taking action, understanding compounding, and finding purpose beyond traditional employment. The …
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In this episode, Sean Leahy and Andrew Maynard explore the impact of technology on everyday life and education. They discuss the rising costs and exaggerated hype surrounding artificial intelligence (AI) subscription services, and reflect thoughtfully on the potential consequences of overpromising on AI capabilities, emphasizing the need to strike …
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Brad dives into a CoastFI MasterClass with Jess, and Corey from The Fioneers —where saving for retirement becomes optional. ?? Jess and Corey, popularizers of the term, share their unique journey transitioning from high savings rates to a fulfilling CoastFI lifestyle. They explore vital themes like financial flexibility, the psychological aspects o…
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In this insightful episode, Sean Leahy and Andrew Maynard frame ways of thinking and processing the increased speed of technological change, examining the complexities of AI (and other emergent technologies) and its profound implications for society. Drawing historical parallels and reflecting on cultural narratives, the hosts discuss technology's …
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Community member Bill Powell shares his inspiring journey from a blue-collar background riddled with credit card debt to achieving financial independence. He emphasizes accountability through journaling, mentorship, and the importance of financial literacy within blue-collar professions. Bill explores the value of small, consistent actions and mean…
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In this episode, Sean and Andrew dig into the intersection of photography and technology, focusing on the evolution of cameras, the impact of smartphones, and the rise of computational photography. The hosts discuss how AI is transforming the creative process and the implications for human expression in photography. In this conversation, the hosts …
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Ron Babcock shares his multifaceted journey towards financial independence, combining his experiences as a TV editor, stand-up comedian, and family man. He discusses the value of long-term thinking in financial decision-making, the importance of community in the financial independence journey, and actionable budgeting strategies. Timestamps and Top…
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In this episode Sean Leahy and Andrew Maynard discuss AI fatigue, the philosophical implications of technology, and the storytelling behind technological progress as they ponder the quote from Oscar Wilde does 'life imitate art, or does art imitate life'? Their conversation covers the allure and nostalgia of new technologies, the way technology bui…
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Brad and Cody Garrett from Measure Twice Money dive into the ten most common mistakes that even savvy investors make. They cover essential topics from asset location to maximizing health savings accounts (HSAs), emphasizing a holistic approach to financial wellness. Key Takeaways: Understanding the impact of asset location on tax liabilities. Impor…
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Join Sean Leahy and Andrew Maynard as they navigate the evolving landscape of technology and its influence on our personal and professional lives. The conversation addresses OpenAI’s Deep Research and others growing role in academic work, highlighting both its value in accelerating research and its limitations—particularly around citation accuracy …
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This episode discusses financial independence strategies, including Barista FI and Coast FI, along with insights into inherited accounts post-Secure Act (2020). Listeners will learn about health insurance considerations in early retirement, the dynamics of inherited IRAs, and how to manage finances during entrepreneurial transitions. The discussion…
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In this episode of Modem Futura, hosts Sean Leahy and Andrew Maynard discuss the evolving landscape of AI and its implications for humanity. This episode highlights the challenges and frustrations faced when using AI tools, particularly in academic contexts, while also emphasizing the exciting possibilities that arise from the partnership between h…
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Ginger interviews Brad as they delve into the personal side of financial independence, focusing on the real struggles and triumphs behind the scenes of ChooseFI. The conversation emphasizes the importance of relatability and the idea that financial independence is accessible to everyone, not just experts. They discuss 'one more year syndrome,' the …
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Andrew Maynard, Sean Leahy, and special guest Mark Daly explore the rapid advancements in AI technology with a spotlight on OpenAI's 01 Pro model. They examine how AI is reshaping game development, creative industries, and research, and discuss the urgent need for academia to adapt to these changes. The panel also tackles ethical issues in educatio…
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Introducing The 'Wouldn't It Be Cool If' Series Episode Summary: 2025 marks the start of an exciting new era for ChooseFI! In this episode, hosts Jonathan and Brad dive into the journey to financial independence—what it means, how to define your FI number, and why taking control of your finances is crucial. Plus, we’re evolving! This year, we’re ha…
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In this conversation, Sean Leahy and Andrew Maynard discuss the rapid developments in AI technology, particularly focusing on the newly announced Stargate AI initiative. They explore the implications of the inauguration week, the political landscape surrounding AI regulation, and the potential economic impacts of this massive investment in AI infra…
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Explore the latest insights on the stock market performance and investment strategies with friend of the show and frequent guest Brian Feroldi. This episode dives deep into the trends that shaped 2024 and what to expect in 2025, discussing everything from the significance of the S&P 500 to long-term investing principles and the impact of emerging t…
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In this engaging conversation, Sean Leahy and Andrew Maynard explore the rapid developments in technology as we enter 2025. They discuss the implications of Artificial General Intelligence (AGI), the potential for superintelligence, and the ethical considerations surrounding these advancements. The conversation also touches on the creation of synth…
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Chris Terrell shares his personal journey with electric vehicles (EVs) and discusses the financial implications of owning one. Highlighting key incentives like the Inflation Reduction Act and the benefits of home charging, the conversation delves into the affordability, practicality, and simplicity of EV ownership, providing insights for financial …
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Sean and Andrew are joined by Brunno Moretti (President of ADAS Solutions, Ascential Technologies) for a conversation that explores the current state and futures of autonomous vehicles, particularly focusing on RoboTaxis, the challenges faced in their development, and the implications of public testing. We get Brunno's expert input on the differenc…
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Laura's shares how she transitioned from a high-stress academic career to retirement. Discover the challenges of job identity, financial planning discussions with family, and the mental preparations for life after work. Laura’s career as an associate professor in genetics involved heavy grant writing and significant stress, particularly as a parent…
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In this engaging conversation with Sean and Andrew, Cady Coleman, a former NASA astronaut, shares her experiences and insights from her time in space, the importance of recognition in the space culture, and the evolving dynamics between human and robotic roles in space exploration. The discussion also touches on the significance of efficiency in op…
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In this episode of ChooseFI, co-host Brad sits down with Jordan Grumet, author of The Purpose Code, to discuss the crucial differences between "big P" purpose and "little p" purpose. They explore how identifying small, meaningful activities can bring joy and fulfillment to life. Jordan elaborates on turning regrets and childhood joys into "purpose …
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In this engaging conversation, Sean and Andrew are joined by Joe O'Rourke and Caitlin Roe to explore a variety of topics ranging from the new ChatGPT phone feature to significant advancements in space exploration in 2024. They discuss the Europa Clipper mission, the implications of feminist theory in space exploration, and the importance of care in…
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Join Brad, Jen, and Jill as they navigate the intricate balance between frugality and financial independence. Explore creative alternatives for spending less, and the importance of aligning your finances with your core values. Key Topics Discussed Introduction to Frugality (00:00:00) Overview of the tension between overspending and frugality. Impor…
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In this lively and thought-provoking episode, Sean and Andrew team up with Ed Finn, Ruth Wylie, and Bob Beard from ASU’s Center for Science and the Imagination for a rapid-fire discussion on the future of humanity. Together, they explore themes like the values that will shape our future, the role of kindness in communities, AI's potential role in g…
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Our Favorite episode of the year, listeners share their remarkable financial wins and transformations throughout the year. These stories highlight the power of financial independence (FI) and showcase actionable steps taken by individuals and families on their journeys. Timestamped Key Topics: 00:00:25 Celebration of Listener Wins Jonathan and Brad…
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