Kiersten and Julien from Rich and Regular join us for our last interview in season 2. You may have seen them in the trailer for the upcoming documentary Playing With FIRE. We couldn't have asked for better guests to wrap up season 2, these two blew it out of the park. We originally brought them on to talk about finances and relationships and they had amazing insights into that, but we ended up going so much deeper! The best way to describe it is a multi faceted, layered talk about money, relationships, society, awareness, and the challenges African American's face, especially while striving for FIRE. Bethany and I had our own reality checks during our own journey, yet the common advice out there doesn't always apply to everyone. It was an important reminder that we hope everyone takes to heart when listening. If you are someone pursuing FI/RE, then this is a must listen. Without further ado we are happy to bring you two regular, yet rich people. Shownotes can be found at hisandherfi.com/24

His and Her FI

24: Julien & Kiersten | Money Layers in Society and Relationships

Michelle from Making Sense of Cents joins us to talk about living life a bit differently. From living the nomadic life in an RV for 3 years and to now transition to a life on the sea in their sailboat, this is just another day in their life. As travelers ourselves, we were curious about what full time travel looks like, some of the challenges, and some of the best parts of it. This includes working on the road and balancing places that have internet versus where you want to go. Join us as we take a peek into the life of Michelle and her husband and see if this growing trend is something you would consider sometime in your own life.   You can find the shownotes at hisandherfi.com/23

23: Michelle Schroeder-Gardner | Alternative Living

Jimmy and Jenny from Living Life Loving Us join us to talk about something we haven't really ever discussed before, parenting. The challenges of parenting are ever widening with the expanse of social media and the expectations that other parents have of each other for raising children.  These two have a different take on the matter and have a truly unique system they have developed for their own family. It takes hard work and some sacrifice but the fight was worth it even when these two had to spend 6 figures on IVF just to have their baby. They share their perspective on how they are raising their child, how they can still "spoil" her while not having to break the bank, and just focusing on what really matters most.   Jenny and Jimmy bring their honest and vulnerable thoughts to this conversation and make this one a must listen even if you don't have kids.   The shownotes can be found at hisandherfi.com/22

22: Jimmy and Jenny | The Challenges of Parenting in Today's Society

Jamila from Journey to Launch joins us to talk about her recent major decision. What I really appreciate from Jamila is that she figured out money first. Saving and investing her money for years before taking on such a big new challenge. Not only that, she and her husband saved a 2 year emergency fund to really give being a full-time entrepreneur a real shot. We explore more than just quitting your job. Talking about Jamila's upbringing with money, her thoughts on why more people want to escape the 9-to-5, and the emotions tied in with money. This is an inspiring conversation for anyone looking to make a big lifestyle change, while minimizing risks and still being smart with money. We hope you enjoy it as much as us.   Shownotes can be found at hisandherfi.com/21

21: Jamila Souffrant | Quitting your Job to Pursue Entrepreneurship

We are happy to have on Stephanie, the creator of a new personal finance content curation site The Money Middletons. Their goal is to reach the shrinking middle class whose incomes are mild to moderate. What is considered the middle class you say? Well, that is a tricky question as Stephanie points out in our talk. According to Brookings the definition of middle class can have many different meanings. Luckily Pew Research has a calculator that will help you determine what category you fall in. I think the most important part that came across in this conversation though is a hard number range isn't the end-all be-all to determine if The Money Middletons will speak to you. Chances are they will have something of value to bring to you. Listen for yourself and see if you can call yourself a Middleton.   To find all the links mentioned in this episode visit https://www.hisandherfi.com/moneymiddletons

Bonus: The Money Middletons | A New Curation Site for Mild to Moderate Income Earners

Sarah from Smile and Conquer is on the show to share her financial expertise as a professional in the finance world. She doesn't advocate for a frugal life but instead takes a save AND spend approach. This reflects in her desire to not retire early as she enjoys her work and job. This results in some awesome advice for how to budget when you are an inherent spender.  We then dive deeper into money and talk about some of the emotions that are tied to it, including shame. She goes on to discuss the challenges women face dealing with financial planners and the investing gap. We also delve into home buying as she goes over the top tips from her Home Buying Series.  Tune in for this well rounded conversation as there is lots to take away.   Shownotes can be found at hisandherfi.com/20

20: Sarah | Save AND Spend Approach to Personal Finance

Zero from Zero 2 FIRE comes on the show to tell her story. A powerful story at that, battling 3 grand mal seizures, brain surgery, and rheumatoid arthritis. Grit is a word I don't use lightly with her, she has had to face more challenges in her 20's than most of us will have to in our lives. Zero overcame these challenges all while living in New York, saving $100k before she turned 30, and to top it off never making more than $60k a year. This is a story of someone who may not be able to work into their 60's, making FIRE and early retirement not a nice to have, but a must have. Please join us in listening to this amazing human being.   You can find the shownotes at hisandherfi.com/19

19: Zero | FIRE as a Necessity

Felicity and Ferghus with a special appearance by Fluffster are on the show today to talk about how they are doing things a bit differently from the rest of us. Set to retire at 29 and 35, these two engineers have planned for their future all while still donating up to a years salary to a donor advised fund. Their philanthropy is only one side of this story though, as they bring many insights into how you too can plan for early retirement and truly looking at the risks involved.   You can find the shownotes at hisandherfi.com/18

18: Fetching Financial Freedom | FIRE Risks and Charitable Giving

Tanja and Mark from Our Next Life have been rocking early retirement. As recent early retirees at the ages of 38 and 41 they share how their next life is one filled with intentionality and purpose, without a single trace of boredom. They bring a unique perspective as having now walked the path they envisioned. With this comes insightful thoughts about the FIRE community and the larger society as a whole. Give these two a listen and we promise you that your world will be broadened.   You can find the shownotes for this episode at hisandherfi.com/17

17: Tanja and Mark | An Inside Perspective Into Early Retirement

Angela from Tread Lightly Retire Early intertwines finances with saving the environment. Sustainability is simple; Angela explains how this is not a fad and is a lifestyle that is accessible for anyone. Changes in your own life that can help improve the earth, also coincide with things that save you money. Her own steps towards financial independence go side by side with her goals of being eco-friendly. See what you can do today to make an impact.   You can find the shownotes at hisandherfi.com/16

16: Angela | Tread Lightly with Sustainability and Finances

Coming to us from the UK is feminist finance blogger Ms ZiYou. A world traveler that brings a world of wisdom and an array of varying perspectives. This is someone who actually takes the time to analyze her own actions and contemplates if they are contributing more to the problem or not. Something we all could be better at. Listen and hear some truly great insights from Ms ZiYou.   The shownotes for this episode can be found at hisandherfi.com/15

15: Ms ZiYou | Feminism and Finances

We are joined this episode by the CEO of Bravely, Kara Perez. We learn about Kara's background including how she paid off $25,000 in debt in 3.5 years while never making more than $32,000 a year. We also explore how Bravely came to be and the motivation behind it and the importance of bringing diversity to the financial world especially in today's society and culture. Most importantly, Kara reminded us to look outside our own experience as not everyone can relate to your story.   You can find the shownotes for this episode at hisandherfi.com/14

14: Kara Perez | Looking Outside Your Own Experience

Welcome back to season 2 of the HisandHerFI Podcast. We are kicking off the season with Ty Roberts. You may recognize the name as he is the owner and curator of Camp Fire Finance. A directory that features the best articles in the Financial Independence Retire Early (FIRE) world. We look at the origin story of Ty, how he got to where he is and the eventual start to his newest creation, Camp Fire Finance.   Shownotes can be found at hisandherfi.com/13

13: Ty Roberts | Behind the Scenes with the Creator of Camp Fire Finance

We are back! After upgrading just about everything on the podcast we are ready to return with not just ourselves as usual, but with some amazing guests. That's right, we have changed up the format and as promised, will be interviewing others in the personal finance community. This won't be like other interviews, we want to learn about the person, their story, and the defining moments in their lives so we all benefit. Practical tips have their place, but without a story, the meaning can lose its value. Stay tuned for August 21st for the official launch of season 2. See you there!

HisandHerFI Season 2 Returns August 21st 2018

We are wrapping up season 1 with a collection of the habits we have changed this past year. As a result of these changed habits, you guessed it, we gained more freedom, time, and money. We are taking a quick break between seasons and will announce a date in the future for season 2! We cover a lot in this episode. We have been making little changes here and there. Looking back our whole lives have changed. In a kind of strange turn of events it has become harder to relate to people in person because our daily activities are so different now. We have gotten so wrapped up in the FI community that what seems "normal" online isn't quite the case offline. Regardless, we wouldn't have it any other way and it gives us a reason to meet new people in a local FI meetup. Back to the show, there is a wide range of topics. We start with our morning routines. Turning your mornings into productive, high performing machines of routine to get shit done! This means getting up earlier but there are alarm clocks that make it easier. Speaking of mornings, we do need our coffee. We have changed from expensive Nespresso pods to our very own espresso machine. Fresh roasted coffee in the morning that tastes better than Starbucks? Cheaper than Nespresso? Yes it's real and we have done it. While still hanging out in the kitchen, we have switched our entire grocery shopping to bulk. This means Costco for us. With only 2 people in the house we still are able to get through all the produce. If it is going bad for you before you can eat it...then I hate to say it but you probably need to be eating more produce anyway. This was true for us, before it would go bad, now we are eating more veggies and fruits. Win-win? Shopping in bulk also makes it a nice way to have leftovers for lunch the next day. With food intake, there is the other side of working it off! HerFI and HisFI have different exercise routines with their own benefits and disadvantages. HisFI makes his commute fun by biking while HerFI still goes to the gym with friends. When time was more idle, we had the habit of shopping. This was a hard habit to kick and for HerFI it required a shopping ban. HisFI inadvertently shopped less when he filled his time with more productive things. It also helped we were both trying to save more money in the pursuit of FIRE. This made it easier for both of us to change our dating habits (with each other). No more was the dinner and a movie date. Instead was activities like hiking or even cooking dinner together for an at home date night. We were spending less while gaining an ever stronger relationship. Speaking of saving money we both automated our finances. Talk about less stress! Might as well throw this habit change in with relationship building. It took the unknown out of our money and only requires us to check our money maybe 10 minutes a month. The biggest change and most beneficial to us was the least expected. You'll have to listen to find out...hehe! Lastly, we talk about an idea that was the basis to this episode. An idea of resistance that is the invisible force that prevents people from making the changes they need. It was an idea we learned from the book called The War of Art. It was a quick read(listen for us) but packed in such an important revelation that it changed our very perspective on our daily actions. To find all the links we talked about visit the shownotes at hisandherfi.com/12

12: Changing Daily Habits for More Time and Money

A Money Podcast more about the Why, and less about the How. Financial Independence, Retirement, Budgeting, Debt stories

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His and Her FI

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