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PODCAST

Retire Young-ish

Retire Young-ish is the money podcast for Millennials and Gen Z who want freedom, not just finances. We break down investing, saving, side hustles, and the FIRE movement without the boring jargon. Whether you dream of retiring early, working less, or just living life on your own terms, this show gives you real strategies, honest conversations, and a few laughs along the way. Because who says planning for retirement has to wait until you’re old?

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All Episodes

32:49

3 Costly Mistakes Beginning Investors Make

Retire Young-ish ·

2025/12/24

This episode highlights how novice investors can protect their wealth by avoiding common pitfalls such as acting on unverified stock tips or fleeing the market during volatile downturns. The author emphasizes that market timing often leads to missed opportunities for compounding growth, suggesting that capital needed for short-term expenses should never be risked in stocks. Beyond financial tactics, the source argues that the most valuable asset any individual possesses is themselves. By

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37:44

How to Get Out of the 9-to-5 Grind

Retire Young-ish ·

2025/12/24

This guide explores modern strategies for leaving traditional corporate employment in favor of professional autonomy and personal freedom. It identifies burnout and the desire for flexibility as primary motivators for workers seeking to transition away from the standard 9-to-5 structure. The episode outlines several viable pathways, including launching side hustles, pursuing full-time freelancing, and adopting the FIRE movement's aggressive saving tactics. Additionally, it highlights the rise of

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34:29

Millennials Are Sharing Recession-Survival Tips For...

Retire Young-ish ·

2025/12/19

In response to modern economic instability, Millennials are sharing critical survival strategies with Gen Z based on their experiences during the 2008 financial crisis. These seasoned mentors emphasize prioritizing financial stability by building emergency funds, avoiding high-interest debt, and securing any available employment rather than waiting for a perfect career. The episode highlights a shift toward practical frugality, suggesting that younger workers minimize educational costs through

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36:29

The Top 10 U.S. Cities for Gen Z Workers, According...

Retire Young-ish ·

2025/12/14

The episode offers an overview of a 2025 report by the HR technology company Checkr, which identifies the best U.S. cities for Generation Z workers. The study analyzed over 100 cities based on metrics grouped into three weighted categories: employment, affordability, and social life. The key finding is that many Midwest cities, such as Madison, Wisconsin, and Minneapolis, Minnesota, dominate the top rankings, challenging the traditional appeal of expensive coastal hubs. This shift is attributed to

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37:37

10 Money Moves Gen Z Should Make Before Turning 30

Retire Young-ish ·

2025/12/03

The episode provides aggressive financial guidance tailored for Generation Z, arguing that the decade between ages 18 and 30 offers the highest leverage for building substantial wealth. While acknowledging challenges like inflation and high debt, the text outlines ten "non-negotiable" moves designed to accelerate financial independence. These foundational steps begin with the immediate elimination of all high-interest consumer debt and the establishment of a robust emergency cash buffer, referred to

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31:07

How Much Money a 25-Year-Old Needs to Invest Every...

Retire Young-ish ·

2025/12/02

The episode is a financial blueprint focused on demonstrating how a 25-year-old can achieve a goal of $1 million by retirement through systematic investment. It illustrates the mathematical relationship between the investment timeline, the rate of return, and the required monthly contribution necessary to reach the target by various ages, such as 65 or 60. The plan heavily relies on the power of compounding and the advantage of time, suggesting that consistent contributions between $200 and $300 per

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35:09

Gen Z and Millennials Are Missing Out on Huge...

Retire Young-ish ·

2025/11/30

The episode, titled "Five Fixes for Six-Figure Retirement Wealth," argues that while younger generations are increasingly utilizing 401(k)s, most millennials and Gen Z investors are making critical errors that prevent them from fully maximizing their savings potential. The text warns that a "set it and forget it" approach leads to a significant optimization gap that can cost individuals $200,000 to $500,000 or more over their working lives. Two primary fixes involve eliminating "free money" leaks by

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36:39

If I Started Investing In 2025, This Is What I Would Do

Retire Young-ish ·

2025/11/12

The source provides an extensive financial playbook for building long-term wealth starting in 2025, emphasizing a disciplined, evidence-based approach rather than chasing market fads. The author first establishes the current economic context (high S&P 500, higher Treasury yields, persistent global deleveraging) to justify a shift away from speculative investing. The guide details a step-by-step process, beginning with establishing a clear investment mindset focused on behavioral edge and

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52:56

Why Are Most Americans Broke, and Will They Forever...

Retire Young-ish ·

2025/11/05

The source, an excerpt titled "The 12 Gears Grinding American Wealth," presents a comprehensive argument that the financial struggles faced by most Americans are not due to personal failure but are the result of systemic economic design features. It identifies twelve interlocking mechanisms, or "gears," that keep the majority of people financially strained, citing statistics that show high percentages of workers living paycheck to paycheck and being unable to cover small emergencies. The episode

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55:15

What Is the 4% Rule for FIRE?

Retire Young-ish ·

2025/11/04

The source provides an extensive examination of the 4% Rule, which is the foundational principle of the Financial Independence, Retire Early (FIRE) movement. It explains the rule's origin, noting that financial advisor William Bengen developed it in the 1990s using historical market data to find the highest safe withdrawal rate that would sustain a diversified portfolio for at least 30 years. The episode details the core mechanics, requiring savers to accumulate 25 times their annual expenses, and

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40:50

What Is the Difference Between Coast FI and Barista FI?

Retire Young-ish ·

2025/11/04

The source provides an extensive comparison of two popular strategies within the Financial Independence, Retire Early (FIRE) movement: Coast FI and Barista FI. Coast FI focuses on reaching a level of investment where compound interest alone will fund one's full retirement goal, allowing the individual to stop saving and only earn enough to cover current expenses. In contrast, Barista FI allows for immediate semi-retirement by accumulating enough funds to cover 60–80% of expenses through withdrawals,

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64:46

What Does It Take To Retire Before 40?

Retire Young-ish ·

2025/10/30

The episode offers a comprehensive guide to achieving FIRE (Financial Independence, Retire Early), defining it as reaching a point where passive investment income covers chosen living expenses, granting optionality rather than permanent cessation of work. The source meticulously outlines the financial mathematics required, such as the 4% rule (or the more conservative 3-3.5% rule for longer retirements) and emphasizes that the savings rate is the primary accelerator for reaching financial

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55:17

Will Generation Z Be Able to Retire?

Retire Young-ish ·

2025/10/29

The source provides an extensive analysis of the challenges facing Generation Z regarding their ability to achieve traditional retirement, highlighting that their financial future is threatened by multiple economic and structural issues. These issues include wage stagnation, massive student loan debt, and the unaffordability of housing, which prevents wealth accumulation. The analysis projects that a significant portion of Gen Z will need to work past the age of 70, given the reduction in

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45:05

Want to Retire in Your 50s? Here’s How to Plan for It

Retire Young-ish ·

2025/10/29

The source provides an extensive guide for achieving Financial Independence and Retiring Early (FIRE), specifically targeting retirement in one's fifties through disciplined planning and saving. The guide outlines an eight-step process, beginning with calculating a "Freedom Number" using metrics like the 4% Rule and conducting a lifestyle audit to project post-work budgets. Essential steps include maximizing income and aggressively cutting expenses to achieve a high savings rate, and employing an

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53:18

How Index Funds Could Be Your Path to Early Retirement

Retire Young-ish ·

2025/10/29

The source provides an extensive guide on achieving the Financial Independence, Retire Early (FIRE) goal, advocating for index funds as the primary investment vehicle. It explains that index funds, first introduced by Vanguard's John Bogle, are superior to actively managed funds because they offer low costs, inherent diversification, and reliably track overall market performance, which most active managers fail to beat over the long term. The episode details the mechanics and mathematics of early

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35:42

If I Get Too Old to Work and Don’t Have Savings, What...

Retire Young-ish ·

2025/10/27

The source provides an extensive overview of the challenges and resources available to individuals in the United States who reach old age without sufficient savings or the ability to work. It focuses on the immediate financial realities of having no steady income and relying heavily on government programs as a safety net. The episode details essential support systems, including Social Security (the foundational retirement income), Supplemental Security Income (SSI) for low-income seniors, Medicare

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38:11

How Early Investing Supports Mental Health

Retire Young-ish ·

2025/10/27

The source "Early Investing and Mental Wellness" functions as a comprehensive overview explaining how starting to invest money at a young age offers significant benefits beyond simple wealth creation. The episode establishes a strong link between financial stress and poor mental health, citing surveys that show a large percentage of people report high levels of money-related anxiety and depression. Consequently, early investing is presented as a crucial strategy that mitigates these psychological

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34:50

What No One Tells You About Dividend Income

Retire Young-ish ·

2025/10/25

The source provides a comprehensive, cautionary overview of dividend income, often marketed as an effortless form of passive income. It balances the allure of receiving regular cash flow without selling assets against the less-discussed risks and complexities of this investment strategy. The episode challenges several common myths, asserting that dividends are not guaranteed and can be cut by companies facing financial distress, noting that pursuing high yields can signal trouble. Furthermore, the

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35:59

Why Retiring Early Could Be the Best (or Worst)...

Retire Young-ish ·

2025/10/25

The source provides an extensive overview of the Financial Independence, Retire Early (FIRE) movement, examining both the major benefits and significant risks of pursuing early retirement. The argument for retiring early emphasizes financial freedom, the ability to leverage compound interest through aggressive savings, and the opportunity to escape workplace stress while still young enough to enjoy life. Conversely, the source cautions that early retirement can be detrimental due to longevity risk

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45:09

Retiring on Five Million Dollars: Feasibility and...

Retire Young-ish ·

2025/10/24

The source critically examines the financial feasibility of retiring with five million dollars, concluding that this sum is generally sufficient for a comfortable or even luxurious retirement, contingent upon meticulous planning. A primary focus is the 4% Rule, which suggests an initial annual withdrawal of $200,000 for a $5 million portfolio, adjusted for inflation to ensure the funds last at least 30 years, though the episode explores the limitations of this rule due to longevity risk and market

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61 results

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