Morning Routines After FI: Slow Mornings, Habits, and StructureJosh and Elliot discuss the value of routines—especially morning routines—after retirement and in working life, sparked by Sarah sharing an Inside Out Money episode about compounding habits. Josh recounts the host’s early-retirement lack of structure and how adopting morning habits (sunlight, water, exercise) improved her feelings of laziness, prompting reflection on their own routines. Elliot describes minimal weekday routines shaped by hybrid commuting (up around 5:15–5:30 for office days; 6:30 for work-from-home) and weekends influenced by young kids, meal planning, and shared calendars. Josh outlines a long-standing 5:00 AM “slow morning” routine with water, coffee, reading/creative work, and workouts, plus consistent bedtime habits, limited news/social media, and discussion of experimenting with exercise schedules and subscription “money leaks.”

00:00 Why Routines Matter

00:17 Podcast Spark

02:10 Elliot Morning Schedule

04:54 Josh Slow Mornings

12:09 Habits And Motivation

19:05 Making Workouts Work

27:10 Evening Routine Talk

32:23 Social Media And Shopping

35:24 Streaming Subscriptions

38:41 Final Routine Takeaways

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Contact Elliot: Elliot@ninetofipod.com

Contact Josh: Josh@ninetofipod.com

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