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Reaching financial independence is only half the battle, knowing how to withdraw your money in early retirement is just as important. The right withdrawal strategy can help you minimize taxes, avoid unnecessary penalties, and make your portfolio last longer.
In this episode of the BiggerPockets Money podcast, Mindy Jensen and Scott Trench break down six early retirement withdrawal frameworks. Whether you're planning to retire before age 59.5 or you're already financially independent, you'll learn how to access your retirement savings, reduce your tax bill, and create a withdrawal plan that fits your goals. If you're pursuing FIRE (financial independence retire early), this episode will help you make smarter decisions with the money you've worked so hard to build.
Resources from this episode:
To access the slides from this episode: www.biggerpocketsmoney.com/withdraw
To use the Healthcare Costs Projection App: https://biggerpocketsmoney.com/healthcarecosts/
To go beyond the podcast:
Kick start your financial independence journey with our FREE financial resources - https://biggerpocketsmoney.com/
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We believe financial independence is attainable for anyone no matter when or where you’re starting. Let’s get your financial house in order!
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In this episode of the BiggerPockets Money podcast, Mindy Jensen and Scott Trench tackle one of the biggest questions in the FIRE movement: Why has the traditional $1 million FIRE goal grown to $2.5 million or more? They discuss how inflation, rising living costs, lifestyle changes, and retirement planning have reshaped what financial independence looks like today.
You'll learn how the 4% rule, healthcare, geography, and spending habits influence your financial independence number. Whether you're pursuing FI or early retirement, this episode will help you determine how much you really need to retire and build a plan that fits your goals and lifestyle.
To go beyond the podcast:
Kick start your financial independence journey with our FREE financial resources - https://biggerpocketsmoney.com/
Subscribe on YouTube for even more content- www.youtube.com/biggerpocketsmoney
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We believe financial independence is attainable for anyone no matter when or where you’re starting. Let’s get your financial house in order!
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Is investing ethical? Can you build wealth, pursue financial independence, and still invest according to your values? Scott and Mindy tackle one of the biggest questions in personal finance, exploring ethical investing, ESG investing, capitalism, index funds, and the moral trade-offs that come with building long-term wealth. They discuss whether investing in companies like Tesla, Costco, or tobacco companies can ever be ethical and how to think critically about aligning your portfolio with your beliefs.
The conversation also examines whether pursuing financial independence is itself an ethical goal. This episode offers a thoughtful framework for making investment decisions that reflect your principles.
To go beyond the podcast:
Kick start your financial independence journey with our FREE financial resources - https://biggerpocketsmoney.com/
Subscribe on YouTube for even more content- www.youtube.com/biggerpocketsmoney
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We believe financial independence is attainable for anyone no matter when or where you’re starting. Let’s get your financial house in order!
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Healthcare is one of the biggest unknowns in any FIRE plan. If you're considering early retirement, self-employment, or leaving a traditional job, understanding health insurance costs could save you thousands of dollars per year and prevent costly planning mistakes.
In this episode, we break down the Affordable Care Act (ACA) health insurance, premium tax credits, MAGI planning, and how healthcare costs vary by state. We also walk through a healthcare cost estimator tool that can help you project future expenses and build a more resilient financial independence plan.
Resources Featured in the Episode:
Healthcare Cost Projection: https://biggerpocketsmoney.com/healthcarecosts/
2026 Tax Projection: https://biggerpocketsmoney.com/income-tax-projection/
How Health Insurance Works in Early Retirement Blog Post: https://biggerpocketsmoney.com/how-health-insurance-works-in-early-retirement-and-self-employment-2026/
How to Plan for Healthcare Over Early Retirement Blog Post: https://biggerpocketsmoney.com/planning-for-healthcare-costs-over-a-decades-long-early-retirement/
To go beyond the podcast:
Kick start your financial independence journey with our FREE financial resources - https://biggerpocketsmoney.com/
Subscribe on YouTube for even more content- www.youtube.com/biggerpocketsmoney
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We believe financial independence is attainable for anyone no matter when or where you’re starting. Let’s get your financial house in order!
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How do you build nearly $1 million in net worth while working seasonally, living intentionally, and creating a lifestyle you actually enjoy? In this episode, Heather shares her remarkable journey from living in a 300-square-foot cabin to building substantial wealth through nursing, guiding, rental properties, and smart financial decisions. We break down her real estate portfolio, income streams, and the challenges that come with balancing financial independence and life goals.
With mortgage rates potentially doubling from 4% to 8%, Heather faces several important decisions: Should she pay off rental debt, refinance, sell properties, or preserve flexibility for a future sabbatical? We explore the numbers, the emotional side of real estate ownership, cash reserve strategies, tax considerations, and how to create a financial plan that supports both long-term wealth and personal freedom. Whether you're building wealth through real estate, planning a career break, or navigating major financial decisions, this conversation offers valuable insights and actionable takeaways.
To go beyond the podcast:
Kick start your financial independence journey with our FREE financial resources - https://biggerpocketsmoney.com/
Subscribe on YouTube for even more content- www.youtube.com/biggerpocketsmoney
Connect with us on social media to join the other BiggerPockets Money listeners - https://www.facebook.com/groups/BPMoney
We believe financial independence is attainable for anyone no matter when or where you’re starting. Let’s get your financial house in order!
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Most people know they should have an estate plan, but keep putting it off.
In this episode of the BiggerPockets Money podcast, Mindy Jensen and special guest Carl Jensen sit down with estate planning attorney Skipton Reynolds to break down everything you need to know about wills, trusts, probate, beneficiary designations, powers of attorney, guardianship planning, and estate taxes.
Whether you're a young adult, a parent, a high-net-worth investor, or someone pursuing financial independence, estate planning is one of the most important financial moves you'll ever make. Learn how to protect your assets, avoid costly probate mistakes, ensure your loved ones are cared for, and create a plan that reflects your wishes.
Connect with Skipton Reynolds:
Website: https://www.skiptonlaw.com/
To go beyond the podcast:
Kick start your financial independence journey with our FREE financial resources - https://biggerpocketsmoney.com/
Subscribe on YouTube for even more content- www.youtube.com/biggerpocketsmoney
Connect with us on social media to join the other BiggerPockets Money listeners - https://www.facebook.com/groups/BPMoney
We believe financial independence is attainable for anyone no matter when or where you’re starting. Let’s get your financial house in order!
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In this Finance Friday episode of the BiggerPockets Money podcast, hosts Mindy Jensen and Scott Trench analyze whether Katie can step back from work while still making sure that her husband, Jesus, can retire early at 50. They break down the FIRE math, withdrawal strategies, healthcare considerations, market risk, pension benefits, and the emotional challenges of leaving a high-income career.
Whether you're planning for early retirement, wondering if your portfolio is large enough, or trying to decide when to leave a stressful job, this episode provides practical insights and actionable retirement planning strategies.
To go beyond the podcast:
Kick start your financial independence journey with our FREE financial resources - https://biggerpocketsmoney.com/
Subscribe on YouTube for even more content- www.youtube.com/biggerpocketsmoney
Connect with us on social media to join the other BiggerPockets Money listeners - https://www.facebook.com/groups/BPMoney
We believe financial independence is attainable for anyone no matter when or where you’re starting. Let’s get your financial house in order!
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If you work at a startup or public tech company and have RSUs, stock options, founder shares, or a potential IPO on the horizon, this episode could save you thousands—or even millions—in taxes. Equity compensation can be one of the fastest paths to building wealth, but it can also lead to costly mistakes if you don't understand the tax implications, liquidity opportunities, and diversification decisions involved. That's why we sat down with Equity for the Win founders CJ Sturmitz and founding investor Toby Johnston to discuss how employees and founders can navigate concentrated stock positions and prepare for major liquidity events.
Connect with CJ and Toby Johnston
To work with EquityFTW: https://www.biggerpocketsmoney.com/equityftw
About EquityFTW: https://www.equityftw.com/about
To go beyond the podcast:
Kick start your financial independence journey with our FREE financial resources - https://biggerpocketsmoney.com/
Subscribe on YouTube for even more content- www.youtube.com/biggerpocketsmoney
Connect with us on social media to join the other BiggerPockets Money listeners - https://www.facebook.com/groups/BPMoney
We believe financial independence is attainable for anyone no matter when or where you’re starting. Let’s get your financial house in order!
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BiggerPockets Money (operated by Early Retirement Group, LLC) has a paid promotional arrangement with Equity FTW. Under this arrangement, Equity FTW pays BiggerPockets Money a cash fee of $100 for each prospective client who books a meeting with Equity FTW and is attributed to BiggerPockets Money, including through links on our website, references in our podcast, and other BiggerPockets Money channels. BiggerPockets Money is not a client of Equity FTW and is not an investment adviser, and nothing on this page or in any BiggerPockets Money content constitutes investment, legal, tax, or accounting advice. This compensation arrangement creates a material conflict of interest, because BiggerPockets Money has a financial incentive to promote Equity FTW and to encourage listeners and readers to book meetings, regardless of whether Equity FTW's services are appropriate for any particular individual. The opinions expressed in BiggerPockets Money content are editorial; however, listeners and readers should consider this financial relationship when evaluating any statements about Equity FTW or its services. Equity FTW is solely responsible for the financial planning and advisory services it provides to its clients, and any decision to engage Equity FTW should be made based on your own independent evaluation and, where appropriate, consultation with your own qualified advisors.
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Want to build tax-free wealth even if your income is too high for a Roth IRA? In this episode, Mindy Jensen and Scott Trench are joined by CPA’s Amanda Han and Matt MacFarland. They break down the Backdoor Roth IRA and Mega Backdoor Roth strategies step-by-step.
You'll learn how the Backdoor Roth works, how to avoid costly tax mistakes, how the pro-rata rule can impact your conversion strategy, and when the Mega Backdoor Roth may allow you to contribute tens of thousands of additional dollars to Roth accounts each year.
Whether you're pursuing FIRE, optimizing your retirement accounts, or looking for advanced tax planning strategies, this episode covers everything you need to know.
Connect with Amanda Han and Matt MacFarland
Website: https://www.keystonecpa.com/pages/about-us
Instagram: https://www.instagram.com/amanda_han_cpa/?hl=en
To go beyond the podcast:
Kick start your financial independence journey with our FREE financial resources - https://biggerpocketsmoney.com/
Subscribe on YouTube for even more content- www.youtube.com/biggerpocketsmoney
Connect with us on social media to join the other BiggerPockets Money listeners - https://www.facebook.com/groups/BPMoney
We believe financial independence is attainable for anyone no matter when or where you’re starting. Let’s get your financial house in order!
Learn more about your ad choices. Visit megaphone.fm/adchoices -
Most people think financial independence is all about cutting expenses, but there's only so much you can cut.
In this episode, Haley Sacks, better known as Mrs. Dow Jones, shares the strategies that actually move the needle when it comes to building wealth, reaching financial independence, and creating long-term financial freedom.
We discuss how to increase your income, negotiate higher pay, avoid lifestyle creep, invest with confidence, and build a simple system for managing money. Haley also explains why human capital may be your most valuable asset, how AI is changing career opportunities, and why index funds remain one of the most powerful wealth-building tools available.
Whether you're pursuing FIRE, trying to grow your net worth, or simply looking to make smarter financial decisions, this episode provides practical strategies you can start using today.
Connect with Haley Sacks:
Website: https://www.mrsdowjones.com/book
Instagram: https://www.instagram.com/mrsdowjones/
To go beyond the podcast:
Kick start your financial independence journey with our FREE financial resources - https://biggerpocketsmoney.com/
Subscribe on YouTube for even more content- www.youtube.com/biggerpocketsmoney
Connect with us on social media to join the other BiggerPockets Money listeners - https://www.facebook.com/groups/BPMoney
We believe financial independence is attainable for anyone no matter when or where you’re starting. Let’s get your financial house in order!
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In this episode of the BiggerPockets Money podcast hosts Mindy Jensen and Scott Trench break down practical strategies for doubling your net worth and accelerating your path to financial independence. From reducing fixed expenses and increasing cash flow to investing consistently and growing your income, we cover the core habits and wealth-building systems that can dramatically speed up net worth growth, even if you’re starting from a modest financial position.
Whether you’re pursuing FIRE, early retirement, or simply trying to grow your wealth faster, this episode provides a practical roadmap for increasing your net worth and building lasting financial security.
To go beyond the podcast:
Kick start your financial independence journey with our FREE financial resources - https://biggerpocketsmoney.com/
Subscribe on YouTube for even more content- www.youtube.com/biggerpocketsmoney
Connect with us on social media to join the other BiggerPockets Money listeners - https://www.facebook.com/groups/BPMoney
We believe financial independence is attainable for anyone no matter when or where you’re starting. Let’s get your financial house in order!
Learn more about your ad choices. Visit megaphone.fm/adchoices -
In this episode of the BiggerPockets Money podcast, Bob Haines joins hosts Mindy Jensen and Scott Trench to explain how to build an investor policy statement and create a long-term investment philosophy for financial independence and early retirement. We break down how FIRE investors can design a personalized investing framework that aligns with their goals, risk tolerance, lifestyle, and withdrawal strategy while avoiding emotional investing during market volatility.
To go beyond the podcast:
Kick start your financial independence journey with our FREE financial resources - https://biggerpocketsmoney.com/
Subscribe on YouTube for even more content- www.youtube.com/biggerpocketsmoney
Connect with us on social media to join the other BiggerPockets Money listeners - https://www.facebook.com/groups/BPMoney
We believe financial independence is attainable for anyone no matter when or where you’re starting. Let’s get your financial house in order!
Learn more about your ad choices. Visit megaphone.fm/adchoices -
In this episode of the BiggerPockets Money Podcast, Mindy Jensen and Scott Trench break down the six foundational principles for building wealth and achieving financial independence. From controlling major expenses and increasing your savings rate to investing strategically and building additional income streams, this episode covers the practical habits that consistently help people grow wealth over time and accelerate their path to FIRE.
Whether you’re just starting your financial independence journey or looking to optimize your wealth-building strategy, this episode provides a simple and repeatable framework for building lasting wealth without overcomplicating personal finance.
To go beyond the podcast:
Kick start your financial independence journey with our FREE financial resources - https://biggerpocketsmoney.com/
Subscribe on YouTube for even more content- www.youtube.com/biggerpocketsmoney
Connect with us on social media to join the other BiggerPockets Money listeners - https://www.facebook.com/groups/BPMoney
We believe financial independence is attainable for anyone no matter when or where you’re starting. Let’s get your financial house in order!
Learn more about your ad choices. Visit megaphone.fm/adchoices -
In this episode, Ben Felix joins Mindy Jensen and Scott Trench on the BiggerPockets Money podcast to break down his thoughts on the FIRE movement, portfolio design, safe withdrawal rates, and long-term investing. We discuss how to build a FIRE portfolio that balances risk, flexibility, quality of life, and long-term sustainability — without falling into the trap of over-optimization or extreme frugality.
Whether you're pursuing FIRE, early retirement, Coast FIRE, or simply trying to become a smarter long-term investor, this conversation offers an evidence-based framework for building wealth while still enjoying life along the way.
Connect with Ben Felix!
Website: https://www.pwlcapital.com/?ki-cf-botcl=1
YouTube: https://www.youtube.com/@BenFelixCSI
Podcast: https://rationalreminder.ca/podcast
Resources from today’s episode:
https://www.pm-research.com/content/iijretire/10/3/47
https://papers.ssrn.com/sol3/papers.cfm?abstract_id=4590406
https://papers.ssrn.com/sol3/papers.cfm?abstract_id=4227132
https://www.youtube.com/watch?v=QGzgsSXdPjo
https://www.youtube.com/watch?si=rHiFIykmOJJs8UKF&v=S9InNdQhFwc&feature=youtu.be
https://research-tools.pwlcapital.com/research/risk-profile
To go beyond the podcast:
Kick start your financial independence journey with our FREE financial resources - https://biggerpocketsmoney.com/
Subscribe on YouTube for even more content- www.youtube.com/biggerpocketsmoney
Connect with us on social media to join the other BiggerPockets Money listeners - https://www.facebook.com/groups/BPMoney
We believe financial independence is attainable for anyone no matter when or where you’re starting. Let’s get your financial house in order!
Learn more about your ad choices. Visit megaphone.fm/adchoices -
In this episode of the BiggerPockets Money podcast hosts Mindy Jensen and Scott Trench break down the biggest portfolio mistakes people make on the path to financial independence. From holding too much cash and staying stuck in accumulation mode to ignoring tax optimization, estate planning, and withdrawal strategies, we cover the investing mistakes that can quietly derail long-term wealth building and FIRE success.
Whether you’re pursuing FIRE, Coast FIRE, or traditional retirement, this episode will help you avoid common portfolio mistakes and build a more resilient long-term financial plan.
To go beyond the podcast:
Kick start your financial independence journey with our FREE financial resources - https://biggerpocketsmoney.com/
Subscribe on YouTube for even more content- www.youtube.com/biggerpocketsmoney
Connect with us on social media to join the other BiggerPockets Money listeners - https://www.facebook.com/groups/BPMoney
We believe financial independence is attainable for anyone no matter when or where you’re starting. Let’s get your financial house in order!
Learn more about your ad choices. Visit megaphone.fm/adchoices -
On this episode of the BiggerPockets Money podcast Mindy Jensen and Scott Trench bring on Kyle Collette to discuss how he achieved financial independence and built a real estate portfolio worth more than $4 million while earning less than $40,000 per year. Through house hacking, rental property investing, frugal living, and strategic relationships, Kyle scaled from small single-family rentals to multi-unit properties across Ohio — proving that building wealth doesn’t require a massive salary.
Whether you're pursuing FI, early retirement, or long-term wealth through real estate investing, this episode offers a practical roadmap for building financial freedom on a modest income.
To go beyond the podcast:
Kick start your financial independence journey with our FREE financial resources - https://biggerpocketsmoney.com/
Subscribe on YouTube for even more content- www.youtube.com/biggerpocketsmoney
Connect with us on social media to join the other BiggerPockets Money listeners - https://www.facebook.com/groups/BPMoney
Connect with Kyle:
[email protected] OR [email protected]
https://www.linkedin.com/in/kyle-collette-7ba24541
https://www.instagram.com/tennisguyrei/
We believe financial independence is attainable for anyone no matter when or where you’re starting. Let’s get your financial house in order!
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In this episode of the BiggerPockets Money podcast, hosts Mindy Jensen and Scott Trench break down the biggest mistakes people make when calculating their FIRE number and planning for financial independence. Many early retirement calculators rely on simplified assumptions like the 4% rule or current spending levels, but real-life retirement planning is far more complicated. This episode covers how healthcare costs, inflation, one-time expenses, and changing lifestyle spending can dramatically impact your true FI number and long-term retirement success.
We also discuss safe withdrawal rates, stress testing your retirement plan flexible income streams, and why many FIRE investors underestimate future spending during early retirement. Whether you’re pursuing FIRE, early retirement, Coast FIRE, or traditional financial independence, this episode will help you build a more realistic retirement strategy and avoid common mistakes that can derail long-term wealth and portfolio sustainability.
To go beyond the podcast:
Kick start your financial independence journey with our FREE financial resources - https://biggerpocketsmoney.com/
Subscribe on YouTube for even more content- www.youtube.com/biggerpocketsmoney
Connect with us on social media to join the other BiggerPockets Money listeners - https://www.facebook.com/groups/BPMoney
We believe financial independence is attainable for anyone no matter when or where you’re starting. Let’s get your financial house in order!
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On this episode of the BiggerPockets Money Podcast, hosts Mindy Jensen and Scott Trench sit down with Ben Felix to break down one of the most debated topics in long-term investing: small cap value investing. Ben explains the research behind factor investing, the Fama-French multi-factor model, and why investors continue to look at small cap value ETFs like AVUV and Dimensional funds as potential upgrades to traditional index fund portfolios.
If you've ever wondered whether AVUV, Dimensional ETFs, or small cap value funds can outperform broad market index funds like VTI over the long run, this episode gives you a deep evidence-based framework for deciding.
Connect with Ben Felix!
Website: https://www.pwlcapital.com/?ki-cf-botcl=1
YouTube: https://www.youtube.com/@BenFelixCSI
Podcast: https://rationalreminder.ca/podcast
Resources from today's episode: https://zbib.org/669127c48e994c818f42b4354a84ed21
To go beyond the podcast:
Kick start your financial independence journey with our FREE financial resources - https://biggerpocketsmoney.com/
Subscribe on YouTube for even more content- www.youtube.com/biggerpocketsmoney
Connect with us on social media to join the other BiggerPockets Money listeners - https://www.facebook.com/groups/BPMoney
We believe financial independence is attainable for anyone no matter when or where you’re starting. Let’s get your financial house in order!
Learn more about your ad choices. Visit megaphone.fm/adchoices -
What are high-net-worth investors actually doing with their money in 2026?
In this episode of the BiggerPockets Money podcast, we break down the latest asset allocation trends using real portfolio data from Long Angle—a community of high-net-worth investors. From equities and real estate to private credit and alternative investments, this is a behind-the-scenes look at where sophisticated investors are putting capital right now.
Joined by Tad Fallows, Managing Director at Long Angle, we explore how the top 1% are thinking about risk, return, and opportunity—and what it means for your own investing strategy.
Connect with Tad Fallows!
Long Angle Website: https://www.longangle.com/
LinkedIn: https://www.linkedin.com/in/fallows/
Asset Allocation 2026 Report: https://www.longangle.com/research/high-net-worth-asset-allocation
To go beyond the podcast:
Kick start your financial independence journey with our FREE financial resources - https://biggerpocketsmoney.com/
Subscribe on YouTube for even more content- www.youtube.com/biggerpocketsmoney
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We believe financial independence is attainable for anyone no matter when or where you’re starting. Let’s get your financial house in order!
Learn more about your ad choices. Visit megaphone.fm/adchoices -
The “messy middle” is the longest—and hardest—phase of the financial independence (FIRE) journey. It’s where progress feels slow, motivation dips, and burnout can creep in.
In this episode of the BiggerPockets Money podcast, Mindy Jensen and Carl Jensen (our guest host for today) break down how to stay consistent, avoid over-optimization, and actually enjoy life while building wealth. From increasing income and investing smarter to designing the life you want before you retire, this is your guide to getting through the messy middle without losing momentum.
If your FIRE journey feels stuck, this episode will help you reset and keep going.
To go beyond the podcast:
Kick start your financial independence journey with our FREE financial resources - https://biggerpocketsmoney.com/
Subscribe on YouTube for even more content- www.youtube.com/biggerpocketsmoney
Connect with us on social media to join the other BiggerPockets Money listeners - https://www.facebook.com/groups/BPMoney
Connect with Carl Jensen: https://www.1500days.com/
We believe financial independence is attainable for anyone no matter when or where you’re starting. Let’s get your financial house in order!
Learn more about your ad choices. Visit megaphone.fm/adchoices - Visa fler
