Doug and Mr. Money Mustache discuss choosing a place to retire, comparing Colorado’s costs and lifestyle with other locations. They also discuss geographic arbitrage and ways to explore potential places to live.

I put together the MMM episode guide: Mr. Money Mustache Episode Guide & Index

Links

• Pete Adeney/Mr. Money Mustache

• (00:00:00) - intro
• (00:02:28) - How State Taxes Affect Retirement
• (00:08:06) - Moving to Colorado and Finding Home
• (00:10:42) - Geo-Arbitrage: Finding an Affordable Place to Live
• (00:15:10) - Test-Drive a Town Before Moving
• (00:17:13) - Find Community Wherever You Go
• (00:19:58) - Wrap-Up and Listener Questions

Do you like the podcast and want to support the show? Follow the links to find out how:
https://buymeacoffee.com/milehighfi

Get MHFi Merch – It helps support the show. Get t-shirts & more

doug@milehighfi.com

**Disclaimer: The podcast is for informational purposes. Maybe entertainment but we won't even make such a claim. You shouldn't take the info as financial, legal, or tax advice. We aren't certified financial planners or advisors. We're not qualified for much. So get advice from professionals.**

Carl and I discuss Stoicism and how we respond to criticism. I talk a little more about the Lazy Book (again). This is a partial highlight episode.

I took some of the best parts from a 2023 episode. Don't worry, there is new stuff, plus you probably forgot the episode. I know I did!

• (00:00:09) - Stoicism and the Art of Taking Life Slower
• (00:04:17) - Time Wealth: Making Room for What Matters
• (00:05:49) - A Book About Laziness and Anti-Productivity
• (00:07:53) - Reaching Stoicism Overload
• (00:10:12) - Turning Insults Into Compliments
• (00:12:44) - Emotional Detachment and Stoic Practice
• (00:16:52) - Responding to Criticism With Curiosity
• (00:21:07) - Finding the Useful Truth in Criticism
• (00:23:41) - Anxiety, Busyness, and Leaving Earlier
• (00:27:15) - Letting Go of What You Can’t Control
• (00:29:07) - Insignificance, Happiness, and Freedom
• (00:30:50) - External Validation and Creative Work
• (00:34:32) - Planning a Writer’s Retreat
• (00:35:54) - Writing in Focused Bursts and Taking Breaks
• (00:38:36) - Creativity, Cannabis, and the Book Retreat

Do you like the podcast and want to support the show? Follow the links to find out how:
https://buymeacoffee.com/milehighfi

Get MHFi Merch – It helps support the show. Get t-shirts & more

doug@milehighfi.com

**Disclaimer: The podcast is for informational purposes. Maybe entertainment but we won't even make such a claim. You shouldn't take the info as financial, legal, or tax advice. We aren't certified financial planners or advisors. We're not qualified for much. So get advice from professionals.**

Just a few updates for Oct. Send your questions for an upcoming show. doug@milehighfi.com

And I talk about fitness & fitness trackers.

• (00:00:00) - Intro
• (00:01:15) - Send Your Questions
• (00:02:23) - Xero Shoes Update
• (00:06:08) - Fitness Tracking Changes
• (00:12:29) - Quitting Optimization Podcasts
• (00:14:02) - Retirement Shoutout
• (00:14:25) - Wrap Up

Do you like the podcast and want to support the show? Follow the links to find out how:
https://buymeacoffee.com/milehighfi

Get MHFi Merch – It helps support the show. Get t-shirts & more

doug@milehighfi.com

**Disclaimer: The podcast is for informational purposes. Maybe entertainment but we won't even make such a claim. You shouldn't take the info as financial, legal, or tax advice. We aren't certified financial planners or advisors. We're not qualified for much. So get advice from professionals.**

A listener asks about stepping back from work and how a 6.25% withdrawal rate might impact his family's lives. Rusty joins me to discuss the lifestyle implications, how a 6.25% withdrawal rate, and 50% success rate might be a really good move. It's not financial, legal, or tax advice...it's just our thoughts.

• (00:00:05) - Welcome
• (00:01:07) - A Listener’s Early Retirement Dilemma
• (00:02:34) - Anton’s Family, Finances, and FIRE Plans
• (00:05:07) - Time with Kids Versus Financial Certainty
• (00:09:39) - What Is Financial Independence For?
• (00:10:29) - Summer Break in the Mountains
• (00:13:44) - Rethinking Failure in Early Retirement
• (00:22:07) - FU Money and Returning to Work
• (00:31:28) - What a “Failed” Retirement Really Means
• (00:34:43) - What Retirement Calculators Leave Out
• (00:44:20) - Accessing Retirement Accounts Early
• (00:50:23) - Housing, Family Pressure, and Personal Values
• (00:53:40) - Choosing Your Own Path
• (00:57:52) - Prioritizing Life Over Success Rates
• (00:59:38) - Doug’s Blu-ray Player Purchase

Do you like the podcast and want to support the show? Follow the links to find out how:
https://buymeacoffee.com/milehighfi

Get MHFi Merch – It helps support the show. Get t-shirts & more

doug@milehighfi.com

**Disclaimer: The podcast is for informational purposes. Maybe entertainment but we won't even make such a claim. You shouldn't take the info as financial, legal, or tax advice. We aren't certified financial planners or advisors. We're not qualified for much. So get advice from professionals.**

Doug and MMM answer a voicemail. A listener wants to know "what is enough?" He's 41, net worth of about $3.2M, paid off house, $1.75 million in retirement accounts, $200K in cash, and $750K in stocks in a brokerage account. Expenses are around $60,000 per year.

• (00:00:13) - Disclaimer and Episode Setup
• (00:01:46) - What Is Enough?
• (00:06:11) - Rob’s Financial Picture
• (00:08:16) - Safe But Still Working
• (00:13:40) - Why Goalposts Move
• (00:20:51) - Lumpy Expenses Explained
• (00:25:33) - Other People’s Expectations
• (00:28:30) - Sunk Costs and RSUs
• (00:32:37) - Life After Work
• (00:37:54) - Quit the Wrong Job
• (00:39:38) - Camp Fi and Fear Talk
• (00:42:32) - Road Trip Reflections
• (00:43:58) - Bogleheads and New Ventures

Do you like the podcast and want to support the show? Follow the links to find out how:
https://buymeacoffee.com/milehighfi

Get MHFi Merch – It helps support the show. Get t-shirts & more

doug@milehighfi.com

**Disclaimer: The podcast is for informational purposes. Maybe entertainment but we won't even make such a claim. You shouldn't take the info as financial, legal, or tax advice. We aren't certified financial planners or advisors. We're not qualified for much. So get advice from professionals.**

Laziness has a branding problem. Justin Peters and Doug talk about idleness, anti-productivity, and intentionally doing less stuff.

FI Minded – Financial Independence Without the Extremes

Do you like the podcast and want to support the show? Follow the links to find out how:
https://buymeacoffee.com/milehighfi

Get MHFi Merch – It helps support the show. Get t-shirts & more

**Disclaimer: The podcast is for informational purposes. Maybe entertainment but we won't even make such a claim. You shouldn't take the info as financial, legal, or tax advice. We aren't certified financial planners or advisors. We're not qualified for much. So get advice from professionals.**

• (00:00:00) - Intro
• (00:02:08) - Why Anti Productivity
• (00:03:22) - Lazy vs Anti Productivity
• (00:06:58) - FI Mindset Shift
• (00:09:01) - Fears Behind Overwork
• (00:13:42) - Status and Scaling Trap
• (00:17:47) - Optimizing Hobbies
• (00:28:39) - Practicing Doing Nothing
• (00:42:19) - Wrap Up and Where to Listen

Mr. Money Mustache and I worked on something cool!

Do you like the podcast and want to support the show? Follow the links to find out how:
https://buymeacoffee.com/milehighfi

Get MHFi Merch – It helps support the show. Get t-shirts & more

**Disclaimer: The podcast is for informational purposes. Maybe entertainment but we won't even make such a claim. You shouldn't take the info as financial, legal, or tax advice. We aren't certified financial planners or advisors. We're not qualified for much. So get advice from professionals.**

• (00:00:00) - Bonus Episode Setup
• (00:01:23) - Why Simple Path Works
• (00:05:25) - Recording With Mr Money Mustache
• (00:10:54) - Audiobook Wrap And Next Steps
• (00:12:15) - Index Funds Explained
• (00:22:03) - Timing The Market And Closing

Rusty and I talk about whether listener, April, should consider a higher paying role as a manager or stay as an individual contributor. This topic was inspired by our episode on quiet quitting.

Do you like the podcast and want to support the show? https://buymeacoffee.com/milehighfi

**Disclaimer: The podcast is for informational purposes. Maybe entertainment but we won’t even make such a claim. You shouldn’t take the info as financial, legal, or tax advice. We aren’t certified financial planners or advisors. We’re not qualified for much. So get advice from professionals.**

Brought To You By:

The Doug Show

Email the show: doug@milehighfi.com

00:00 Welcome Back and Not Advice

00:51 Quiet Quitting Email Setup

03:42 April’s Dilemma and Timeline

09:29 Manager vs IC Tradeoffs

14:27 Overachievers and Winding Down

34:43 Coasting for Meaning

36:09 Downtime Hobbies

39:02 Retirement Burnout Myth

42:32 Government Job Perks

49:08 Stay IC for Now

55:02 Stand-Up Comedy Class