A DIY approach to EMS Quality Improvement, healthcare leadership, and building the systems that our frontline workers deserve. With over 20 years of EMS Experience I'm currently the Clinical Manager of a ground transport operation on the central coast of California. On IG as "QI Punks"
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Brad Cramer Podcasts
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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Welcome to the weekly podcast from The Pointe Church in Belmont, North Carolina — where our mission is simple: to lead people to take their next steps with Christ by loving Jesus, becoming like Jesus, and sharing Jesus. Each week you’ll hear inspiring, practical messages from Pastor Brad Lowe and the teaching team designed to help you grow in faith, walk in purpose, and live out God’s truth in everyday life. Whether you’re part of our Pointe family or just exploring faith, these sermons will ...
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Host Callan Harrington dives into the strategies, decisions, and lessons that have shaped the careers of top marketing and growth leaders in the insurance industry. From bold moves to costly mistakes, each episode uncovers real-world insights that listeners can apply to accelerate growth in their own businesses.
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Are you looking to invest in MHP’s without the headaches of tenants, toilets and trash? If so, you've come to the right place! Welcome to the Passive Mobile Home Park Investing Podcast! This is where you can get most of the education you need to passively invest in the highly profitable investment niche of mobile home parks. Hosted by active mobile home park investor and operator Andrew Keel, this show will guide you through 5 different series, which are: Why invest in mobile home parks?, Ho ...
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In the episode "Happy New Year!" Pastor Ray Hardee reflects on the significance of the new year as a time of renewal and decision-making. He draws inspiration from biblical passages, particularly Jeremiah 6:16, encouraging listeners to seek the "ancient paths" and make choices that glorify God. Pastor Hardee emphasizes the importance of personal gr…
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2025 Biggest Takeaways with Ginger | Ep 579
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52:40In this year-end reflection episode, Ginger and Brad share memorable insights from past interviews on budgeting, spending, and the importance of values in financial decisions. They discuss how taking action can lead to financial independence, the impact of community, and the transformative power of generosity. This episode encourages listeners to i…
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In this heartwarming Christmas service at Cramer, Pastor Ray Hardee guides us through the true meaning of the holiday season. With a message rooted in the Gospel of Luke, the service explores the profound love and hope that Christmas brings. Pastor Hardee's sermon emphasizes the personal nature of God's love, inviting everyone to embrace the light …
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This special year-end episode [2025] celebrates the inspiring achievements of the ChooseFI community, highlighting transformative experiences in the pursuit of financial independence. Listeners share personal victories, including maximizing retirement contributions, career changes, and embracing minimalist lifestyles. The episode emphasizes the imp…
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How Caleb Cramer Used Webinars to Scale AgencyZoom to Thousands
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45:31Callan Harrington sits down with Caleb Cramer, Chief Revenue Officer at LAUNCH, to break down the exact group demo process that helped AgencyZoom onboard thousands of agencies to their CRM product. Caleb shares his experience working across insurtech, agency networks, and service businesses, explaining why he believes the insurance industry attract…
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In this episode, Pastor Ray Hardee explores the role of angels in the Christmas story and their parallels with artificial intelligence. He discusses how angels serve as messengers, intermediaries, and guardians, drawing connections between their divine purpose and the functions of AI. Pastor Ray shares personal anecdotes and biblical stories to ill…
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Health and Fitness Update Plus 'Are Organic Foods Worth It?' with Dr. Bobby Dubois | Ep 577
1:09:51
1:09:51
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1:09:51Brad Barrett shares updates on his health journey and effective workout principles, while Dr. Bobby discusses the costs and benefits of organic foods. The conversation encourages listeners to reconsider their food choices and encourages an increase in fruit and vegetable intake over focusing solely on organic options. Brad's muscle-building routine…
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The Story Behind one of Nationwide's Most Successful Marketing Campaigns with Brad Barnett
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47:45Callan Harrington sits down with Brad Barnett, former VP of Enterprise Marketing at Nationwide and current independent consultant, to break down one of insurance marketing's most successful campaigns. Brad managed over $300 million in annual media spend and a $50 million portfolio of sports and entertainment partnerships during his 20-year tenure a…
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In this episode Pastor Ray Hardee delivers a heartfelt message centered around the Christmas story, emphasizing the inclusivity of God's narrative. He highlighted how various characters, from the young virgin Mary to the shepherds, the rich Magi, and even the political figures of the time, were all part of the Christmas story. Pastor Ray encouraged…
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Raising FI‑Minded Kids: What Really Works | 15-Year-Old Rishi Vamdatt | Ep 576
58:12
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58:12Join us as Rishi, a remarkable 15-year-old personal finance enthusiast, shares his journey and insights on financial literacy for the next generation. Rishi discusses key strategies for teaching kids about personal finance, including practical experience, understanding needs versus wants, and early investing through index funds. His insights aim to…
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Inside the Strategic Shift Coming to Insurance in 2026 with Callan Harrington
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21:14Host Callan Harrington breaks down why the insurance industry may be entering a new growth phase and shares a standout story from his Bold Penguin days that proves what’s possible when momentum shifts. With enterprise carrier spend up 27% and major players like Nationwide committing $1.5 billion to tech, all signs point to a market ready to get bac…
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Join Pastor Ray Hardee as he delves into the true meaning of wealth and generosity in this inspiring sermon. Discover how being rich is not about material possessions but about the richness of the heart and spirit. Pastor Ray challenges us to redefine our understanding of wealth, urging us to give generously and live a life filled with purpose and …
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Breaking the Golden Handcuffs with 5 Kids | Sunny Burns | Ep 575
55:53
55:53
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55:53Episode Summary: In this episode, Sunny Burns shares his journey to financial independence. After leaving a lucrative government job, he discusses the strategic choices that led to his success in real estate, alternative income streams, and how he's living a fulfilled life with his family of seven. Sunny emphasizes the importance of financial educa…
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In this episode, Pastor Ray Hardee and David Busshart delve into the Gospel of John, exploring its unique perspective on Jesus' life and teachings. They discuss how John's Gospel, written for a Gnostic audience, emphasizes the physical reality of Jesus, countering beliefs that he was merely a spiritual apparition. The conversation highlights key mo…
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Top Five Regrets of the Dying (Book Club with Frank Vasquez and Ginger) | Ep 574
1:17:47
1:17:47
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1:17:47Join Ginger and Frank as they dive into the impactful concept of regret, exploring insights from Bronnie Ware's The Top Five Regrets of the Dying. Discover how these regrets can shape a life of fulfillment and happiness, and learn how to embrace self-expression and relationships to achieve true satisfaction. Episode Summary: In this episode, the ho…
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In this week's message, Pastor Justin Wallace delves into the Gospel of Luke, highlighting the inclusive nature of Jesus' mission, the call to wholehearted discipleship, and the countercultural values of His kingdom. Through engaging stories and scriptural insights, Pastor Justin encourages the congregation to reflect on their own lives and embrace…
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Cognitive Behavioral Tools for FI With Jasper Lee, PhD | Ep 573
1:06:31
1:06:31
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1:06:31Show Notes Guest: Jasper Lee, PhD - Clinical Psychologist Episode Summary: In this episode, Jasper Lee discusses the psychological elements that impact the journey to financial independence (FI). He provides actionable insights on dealing with emotions and behaviors that influence financial decisions, emphasizing cognitive restructuring and behavio…
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Join Pastor Ray Hardee at Pointe Church as he delves into the Gospel of Mark, exploring its unique message for outsiders and its portrayal of Jesus as the Messiah. Discover how Mark's action-packed narrative speaks to both Roman and modern audiences, urging us to follow Jesus immediately and serve with purpose. Don't miss this inspiring journey thr…
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How Nick Golubitsky Uses AI and RevOps to Transform GTM
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45:20
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45:20Callan Harrington sits down with Nick Golubitsky, VP of Revenue Operations at GreenSlate, for a deep dive into how AI is actually being used in go-to-market today. Nick brings over 8 years of revenue operations experience across multiple insurtech companies and shares real campaigns and tools he's implementing right now. This conversation cuts thro…
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Trading Tesla for Mobile Home Trailers - Leo Young’s Mobile Home Park Investing Journey
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32:01Welcome back to The Passive Mobile Home Park Investing Podcast, hosted by Andrew Keel. In this episode, Andrew Keel sits down with Leo Young, co-founder of Cornell Communities, to discuss his journey from working at Tesla to building a successful career in mobile home park investing. Leo shares what drew him to the mobile home park investment thesi…
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Bias Towards Action: The Adventure List(s) | Ep 572
1:10:08
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1:10:08In this episode, hosts Brad, Emily W, and Emily C delve into the importance of building meaningful friendships and adding adventure to life. They discuss the concept of an "adventure list," embracing vulnerability, and the creativity that can stem from constraints. The conversation encourages listeners to engage in various levels of travel experien…
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Why Ryan Hanley Says Every Insurance Leader Needs a Personal Brand
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53:40
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53:40Host Callan Harrington sits down with Ryan Hanley, President of Linqura and one of the insurance industry's most recognized voices, to break down the content strategy that built his personal brand over 20 years. Ryan shares how he went from nearly being fired by his father-in-law to becoming a sought-after speaker and industry leader through consis…
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Andrew Cramer’s $300 Million Mobile Home Park Investing Journey
54:41
54:41
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54:41Welcome back to The Passive Mobile Home Park Investing Podcast, hosted by Andrew Keel. In this episode, Andrew Keel sits down with Andrew Cramer, Founder of Bridgeview Asset Management, to discuss what it really takes to succeed in mobile home park investing. Since 2011, Andrew Cramer has acquired and managed over 3,000 mobile home park units, buil…
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Getting Personal with Personal Finance: Maggie Tucker | ep 571
1:04:38
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1:04:38Maggie Tucker shares her journey to financial independence at the age of 41, discussing her experiences with fear and anxiety about leaving a secure job. Her insights on the importance of community, transparency in financial matters, and travel with children highlight how to embrace a fulfilling life beyond conventional measures of success. Timesta…
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Why Insurtech Companies Are Losing the Messaging Battle with Callan Harrington
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20:53Callan Harrington returns from ITC Vegas with a critical observation that every insurtech needs to hear. Despite increased capital flowing into the market and genuine excitement around new technology, decision makers are completely lost trying to figure out what these companies actually do. When everyone claims to be "the AI company for insurance,"…
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State of the Stock Market 2025 Q&A with Brian Feroldi | Ep 570
1:03:47
1:03:47
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1:03:47Brian Feroldi discusses the current state of the stock market, providing insights on market valuations, personal investment strategies, and the impact of artificial intelligence on stock analysis. The conversation highlights the importance of sustainability in stock market growth, potential investment pitfalls, and the benefits of leveraging AI too…
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Why Margeaux Giles Spent a Year Rebranding Her Startup
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39:17Callan Harrington sits down with Margeaux Giles, CEO of IRYS Insurtech, to break down their year-long rebranding process that transformed both their external presence and internal culture. Margeaux shares why rebranding felt necessary after 3 years of rapid startup growth and how the process became much deeper than choosing new colors and logos. Th…
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Interview with Brad Johnson of Vintage Capital- A Mobile Home Park Capital Allocator
42:24
42:24
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42:24Welcome back to The Passive Mobile Home Park Investing Podcast, hosted by Andrew Keel. In this episode, Andrew Keel sits down with Brad Johnson, Managing Partner at Vintage Capital, to discuss what it really takes to build lasting success in mobile home park investing. With over 20 years of experience and $3.3 billion in real estate acquisitions, B…
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Always Come Back to the Why | Alan and Katie Donegan | Ep 569
1:26:49
1:26:49
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1:26:49Brad, Katie, and Alan Donegan discuss the significance of understanding the "why" behind pursuing financial independence (FI). They delve into their journey, emphasizing the importance of community, intentional spending, and lifestyle design. Listeners are encouraged to confront their fears of rejection when building friendships and to embrace vuln…
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Alex Harris on Building Partnerships That Drive Revenue and Mutual Benefit
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41:46Callan Harrington sits down with Alex Harris, co-founder of Fiat Growth and Fiat Ventures, to unpack how great partnerships actually drive growth. Alex shares the story of bringing together two major players in insurance, Lemonade and Bestow, and transforming that collaboration into a revenue engine, not just a press release. He explains how journe…
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The FiiRE Framework With Paula Pant | Ep 568
1:23:56
1:23:56
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1:23:56Paula Pant introduces her innovative FI-I-R-E framework, which encompasses Financial Psychology, Increasing Your Income, Investing, Real Estate, and Entrepreneurship. The discussion emphasizes the critical role of financial psychology in shaping one's financial decisions and behaviors. Paula's approach aims to inspire excitement about personal fina…
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Go-to-Market Benchmarks Every Insurance Leader Must Know with Callan Harrington
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32:46Callan Harrington breaks down the evolving go-to-market landscape for insurtech companies, sharing insights from his presentation at InsureTech New York's Education Day. As founder of Flashgrowth, Callan examines what's stayed the same from 2024 and what's rapidly changing in 2025 as AI transforms sales and marketing strategies. Callan covers criti…
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Are We Taking the Wrong Risks? With Chris Hutchins | Ep 567
1:16:46
1:16:46
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1:16:46Brad interviews Chris Hutchins, host of the podcast All The Hacks. They dive deep into challenging the traditional mindset of financial independence (FI), exploring the balance between saving for the future and enjoying life experiences in the present. The discussion revolves around the potential pitfalls of overly conservative financial strategies…
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How Chris Kessler Built Multi-Million Dollar Insurance Partnerships
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45:14Host Callan Harrington sits down with Chris Kessler, Chief Product and Platform Officer at Bold Penguin, for an in-depth look at enterprise solution selling. Chris brings a unique background in strategy consulting that has directly shaped how Bold Penguin consistently lands household names as enterprise clients in the insurance space. The conversat…
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Risk Based Guardrails for Drawdown | Ep 566
1:25:11
1:25:11
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1:25:11Brad welcomes Aubrey Williams, a financial advisor and member of the ChooseFI community. They discuss innovative strategies for financial independence (FI), focusing on flexible withdrawal rates, dynamic spending adjustments using historical analysis, and how adopting a more adaptable mindset can potentially lead to earlier FI. Timestamps & Discuss…
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How Ido Deutsch is Using Paid Media to Acquire Insurance Agencies at Scale
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49:31Callan Harrington sits down with Ido Deutsch, VP of Growth at Agentero, to break down one of the most successful (and shocking) paid media strategies for acquiring insurance agencies. Ido shares how he built a predictable and affordable machine generating leads via Facebook. He breaks down the mindset that led him to bet on paid social, the experim…
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Tax Planning To and Through Early Retirement | Cody Garrett & Sean Mullaney | Ep 565
1:06:30
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1:06:30Brad Barrett hosts Cody Garrett and Sean Mullaney, co-authors of Tax Planning To and Through Early Retirement, exploring essential tax strategies for the FI community. They address misconceptions about retirement taxes, the drawdown process, and effective tax rates, emphasizing the importance of informed planning to navigate financial independence …
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How Amber Wuollet Repositioned an Insurance Product and Hit Sales Goals 2x Faster
50:17
50:17
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50:17Callan Harrington sits down with Amber Wuollet, Director of Product & Lifecycle Marketing at Cowbell, to explore how thoughtful marketing can change the trajectory of an insurance product. After years of lackluster performance, Amber’s team uncovered insights that helped a struggling policy hit its 12-month sales goal in just 6 months, without chan…
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Financial Independence Basics with Jackie Cummings Koski | Ep 564
1:09:45
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1:09:45Jackie Cummings Koski returns to discuss the fundamental principles of financial independence (FI) and early retirement. The conversation emphasizes the importance of understanding FI—financial independence lets individuals no longer depend on a paycheck, offering options and freedom in life. Jackie shares insights on creating habits, starting smal…
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Safe Withdrawal Rates, Drawdown Strategies, RMDs and 50 Year FI Timelines
57:25
57:25
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57:25ChooseFI unveils a new feature on the website that allows listeners to have their financial independence questions answered by experts. Featuring in-depth discussions with Karsten Jeske (Big Earn) and Fritz Gilbert, the episode explores the ramifications of potentially increasing the safe withdrawal rate and provides critical insights into retireme…
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Navigating Financial Conflicts in Relationships | Ep 562
1:00:27
1:00:27
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1:00:27Brad and Ginger discuss the importance of asset flexibility, community building, and health savings accounts (HSAs). The conversation emphasizes maximizing contributions to HSAs while addressing financial conflicts that arise within relationships. Key Topics Discussed: Introduction and Community Building (00:00:00) Ginger shares her growing efforts…
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Kevin Bupp: 16 Years of Mobile Home Park Investing, Lessons Learned & What’s Next
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36:29
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36:29Welcome back to The Passive Mobile Home Park Investing Podcast, hosted by Andrew Keel! In today’s episode, Andrew sits down with industry leader Kevin Bupp, Founder & CEO of Sunrise Capital Investors. If you’ve been tuning in for a while, you might remember Kevin’s appearance back in Episode 18 (2021). Now, he’s back to share fresh lessons and new …
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Mini-Retirements: Test Driving Financial Independence | Ep 561
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50:16Brad Barrett welcomes Jillian Johnsrud, author of Retire Often, as they delve into the transformative concept of mini retirements. Jillian shares her insights on how taking intentional breaks from work can enrich life experiences, enhance personal growth, and help individuals navigate transitions on their journey towards financial independence. Key…
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Living Off the 4% Rule | Marla Taner | Ep 560
1:00:21
1:00:21
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1:00:21Marla Taner shares her journey of living off the 4% rule since her retirement in 2013. She discusses the financial strategies that have supported her abundant lifestyle, the emotional aspects of transitioning into retirement, and the importance of reassessing fixed costs. Marla's insights provide inspiration for those seeking financial independence…
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Zero-Based Everything: FI, Travel, and the Art of Starting Fresh | Katie & Alan Donegan | Ep 559
1:20:16
1:20:16
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1:20:16Join Brad, Katie, and Alan in a candid conversation about financial independence, travel rewards, and lifestyle choices. They discuss the importance of zero-based thinking, share experiences as digital nomads, and challenge conventional views on net worth by introducing the concept of a "freedom fund." Timestamps: 00:03:48 - Zero-Based Thinking Dis…
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Designing an Intentional Life | Tim Ferriss | Ep 558
1:35:41
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1:35:41Tim Ferriss focusing on financial independence, the importance of mentorship, and the role of playful experimentation in living a fulfilling life. Discover insights on designing an intentional life and the values behind Tim's new game, COYOTE. Key Takeaways Experiential Learning & Game Selection Choose the right projects to engage in rather than ju…
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Closing the Chapter: From That Worked to The Insurance Growth Lab
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12:52Callan Harrington, Founder of Flashgrowth and host of That Worked, reflects on the journey of his podcast as he records its final episode before shifting to The Insurance Growth Lab. In this solo episode, he dives into the origins of the show, what it became, and why now is the right time to focus fully on the insurance space. With stories, founder…
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It's Big, But Is It Beautiful? Let's Talk About It... | Ep 557
1:00:18
1:00:18
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1:00:18Key changes in tax law related to the newly passed One Big Beautiful Bill significantly impact the financial independence (FI) community. Notably, the extension of tax rates and the higher standard deduction provide more planning certainty for early retirees, allowing greater financial management under these new regulations. Brad & Sean Mullaney di…
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Mailbag: Bond Funds, Roth Conversions, Advanced FI Strategies, Solo 401k and Backdoor Roth
1:01:04
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1:01:04Brad and Rachael Camp tackle listener-submitted questions focusing on bonds, retirement strategies, pensions, and optimizing Roth IRA conversions. Rachael Camp, a Certified Financial Planner, sheds light on various financial independence (FI) strategies—discussing the impact of interest rate volatility on bond investments, the importance of tax pla…
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Are You Over-Optimizing? | Jesse Cramer | Ep 555
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57:50
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57:50Effective financial planning resembles both a puzzle and a spider web, where each decision impacts interconnected aspects of one's financial life. Brad is joined by Jesse Cramer and explores the importance of resilience over perfection in financial planning, how minor choices can have significant implications, and the necessity of revisiting one's …
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