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055. Our formula for how much to keep in your emergency fund
Liz joins this week's podcast, and we talk about all things emergency funds. We start with why it’s so important to have an emergency fund and what emergency funds are meant to be used for versus...
054. 15 things we don’t spend money on
Andrew joins this week's podcast, and we talk about all of the things we don’t spend money on. We’re all about intentional spending, and we spend a lot of time talking about what we do spend our...
053. Why we’re more exhausted than ever and how it’s impacting our finances
Erica joins this week's podcast, and we talk about exhaustion, how it’s impacting our finances, and how we can mitigate exhaustion to improve our lives. We start off by discussing an article in TIME...
052. Simplifying our finances – How we’re saving $20K by ditching robo-investing
Greg joins this week's podcast, and we share why and how we’re migrating our investments from Wealthfront to Fidelity, which will save us $20K+ in fees over the next ten years. We share how this...
051. Taming Target and Amazon: We pull up our order history for you to judge
Liz joins this week's podcast for a very impromptu discussion where we reveal our Amazon and Target purchases for the last few months. We review each other’s purchases and discuss what we’re...
050. From Cubicles to CampFI – An interview with two early-retiree couples
For the 50th Inside Out Money episode, Maggie interviews two early-retiree couples at campFI: Stacey & Andy and Amber & Bob. They share their stories of how they prepared for early...
049. Is it Deprivation or Discipline? And Will It Improve My Finances?
Andrew joins this week's podcast, and we discuss the difference between deprivation and discipline, how they are interrelated, and why it all matters. We dig into the reality of needs versus...
048. 5 cell phone hacks to save you thousands
Greg joins this week's podcast, and we share five cell phone savings hacks that can save you thousands of dollars. We share how to get the cheapest and best cell phone coverage, how to use eSIM...
047. The economics of happiness – Will a bigger house or shorter commute make you happier?
Erica joins this week's podcast, and we discuss the economics of happiness and what research shows will and won’t make you happier. We share the macronutrients of happiness, according to David...
046. Smash or Pass? Common financial rules
Liz joins this week's podcast, and somehow, we’re deciding to smash or pass common financial rules. We explain many common financial rules around savings, investing, and buying a house and car and...
045. The one metric you likely don’t track: Lifetime gross savings rate
Andrew joins this week's podcast, and we discuss a metric we love but think many people likely don’t track. We explain the lifetime gross savings rate (aka lifetime wealth ratio), how to calculate...
044. Love don’t cost a thing – Our love and money story
Greg joins this week's podcast, and we share how we met and how our financial and life discussions progressed to end up early retiring together in 2022. Did you know research supports that saving...
043. Burning bridges or building boats? How to leave a job the right way!
042. 6 ways to be a more conscious consumer
Erica joins this week's podcast, and we discuss conscious consumerism and the trifecta of value it can add to your life: it’s good for the world, makes you feel food, and can save you money. We...
041. What we spent in 2023 – Part 2 – Food, Utilities, Internet, and Cell phones
Andrew, Liz, and Greg join this week's podcast and we deep dive into what we each spent on food, utilities, internet, and cell phones in 2023. This is part two of last week’s episode on what we...
040. What we spent in 2023 – Part 1
Andrew, Liz, and Greg join this week's podcast and share what we each spent during 2023. We share our top spending categories, what we feel good about, and what we want to improve in 2024. Show...
039. What’s in our wallet? Our index funds, accounts, and more!
Andrew joins this week's podcast, and we bare all and share what’s in our financial “wallet,” from our accounts to the specific index funds inside them. We talk through the different types of...
038. The inside job of improving your finances
Happy New Year! Greg joins the first podcast of 2024, and we discuss why and how improving your finances is an inside job. We discuss the mindset connection to your finances, the importance of...
037. Best and worst purchases of 2023, superlatives, OnlyFans, and so much more
All of the Inside Out Money co-hosts join for our final episode of 2023. We’ve got Liz, Andrew, Erica, Greg, and Maggie on this week’s episode and share some of our favorites from 2023. We share our...
036. From canceling Netflix to selling our homes – What we’d do in a recession
Liz joins this week's podcast, and we discuss how we’d get lean if needed for a job loss, recession, or serious emergency. We start with a reminder of why building an emergency fund and tracking...
035. Does anyone actually pay sticker price for college? Expert Dr. Rebecca Sandidge answers that and more.
This week, we have a guest discussing how to prepare for and pay less for college; Dr. Rebecca Sandidge, Vice President for Enrollment Management at Oglethorpe University, joins and shares her...
034. Predatory marketing tactics and scams – How to spot and avoid them
Erica joins this week's podcast, and we discuss predatory marketing and sales tactics to avoid. We share the history of advertising and public relations and delve into everything from strategic...
033. Step-by-step path to grow wealth – The investment walk to financial freedom
Andrew joins this week's podcast, and we lay out a step-by-step approach to building and growing wealth. Andrew calls this the “investment walk,” we discuss the specific order we suggest and why...
032. RIP Mint – Expense + Budgeting Tracking Software Review
Greg joins this week's podcast, and we discuss Mint shutting down and our review of other budgeting and expense-tracking software and tools. We tried out Tiller, Monarch, YNAB (you need a budget),...
031. End-of-year financial sh*t you need to do!
Liz joins this week's podcast, and we review all the financial things you need to do before the end of the year. It’s important to take some time before the end of the year to review your 401k...
030. Simple joys and the art of saving money
Erica joins this week's podcast, and we discuss the concept of simple joys and the importance and value of recognizing and appreciating simple joys in our lives. When we find glimmers of joy in our...
029. The great mortgage debate: payoff or invest?
Andrew joins this week's podcast, and we discuss the pros and cons of paying off your mortgage early. We share our mortgage payoff stories and various considerations for deciding whether or not to...
028. Love and money – navigating finances in a relationship
Greg joins this week's podcast, and we share nine tips for navigating and mastering financial communication in a relationship. Talking about money effectively with your partner has a substantial...
027. Happy Sexy Millionaire Book Review – Two thumbs up, one thumb down
Liz and Erica join this week's podcast, and we discuss Steven Bartlett’s book Happy Sexy Millionaire. We share some of the book's central themes and our top insights and takeaways. We discuss the...
026. How to raise a millionaire, according to Maggie’s mom
Maggie’s mom joins this week's podcast and shares many financial lessons and stories from her and Maggie’s childhood. She shares how she learned the importance of saving at a young age and how...
025. Our biggest financial regrets and what we’d have done differently
Andrew joins this week's podcast, and we share our biggest financial regrets and all the things we wish we had gotten right when we were younger. We hope you learn from our mistakes and realize the...
024. The surprising truth of early retirement – 500 days early retired
Greg joins this week's podcast, and we share how we’re both feeling 500 days into early retirement. We share some surprising truths about what’s working, what’s not working, and what we’re committed...
023. 4 reasons HSAs are awesome and how to maximize the benefits of Health Savings Accounts
Liz joins this week's podcast, and we delve into the many reasons why HSAs, or Health Savings Accounts, are awesome! We explain what an HSA is, the requirement of a High-deductible health insurance...
022. How much do you need to retire? Flaws in the 4% rule
Andrew joins this week's podcast, and we answer a popular question: How much do you need to retire? The quick answer is it depends, and we discuss the various factors it depends upon. We explain the...
021. What is enough?
Erica joins this week's podcast, and we discuss the existential topic of enough. What is enough money? What is enough stuff? How do we feel like we are enough? We discuss the concept of enough and...
020. Meditation will fix that – Sit with us September
Liz joins this week's podcast for a bonus episode, and we talk about how awesome meditation is and our personal meditation commitment for September. We share the many benefits of meditation, from...
019. Rental property management – why and how we self-manage
Greg joins this week's podcast, discussing our rental properties and why and how we self-manage them. We share what criteria are important to us in selecting a rental property and how we got into...
018. 9 ways to manage money anxiety
Liz joins this week's podcast, and we talk about anxiety and money. We start with a definition of anxiety, how it’s related to money and your finances, and how people respond to financial anxiety....
017. Three Superpowers to financial success
Andrew joins this week's podcast, and we share three superpowers to financial success. Three superpowers can supercharge your finances and significantly improve your overall financial situation. We...
016. What’s your why, and does it matter?
Perhaps what matters most is figuring out what matters most. Erica joins this week's podcast, and we discuss the value of knowing your why and whether it truly matters. We discuss how defining a why...
015. All the financial hacks with Chris Hutchins
Chris Hutchins from All The Hacks joins this week's podcast and shares his best financial hacks from years of podcasting and interviewing top financial experts. We discuss the importance of...
014. Liz’s $700 dinner, Maggie’s $17K medical expenses, and Andrew’s $18 on coffee – Mid-year expense review
Liz, Andrew, and Greg join this week's podcast and share what we spent in the first half 2023. We discuss why we believe tracking expenses is essential to our financial health and the tools and...
013. Are we quitting travel hacking?
Greg joins this week's podcast, where we share why travel hacking isn’t working for us and why we’ve decided to take a break and adjust our approach. We discuss why we got into travel hacking in the...
012. Setting your kids up for financial success
Andrew joins this week's podcast and we talk about what we’re each doing to set up our kids for financial success. The first step is teaching and educating your kids about money, and part of that is...
011. Die with Zero: 5 takeaways from the anti-frugal book
Liz joins this week's podcast and we discuss Bill Perkin’s book Die with Zero. We share our top takeaways and insights from Die with Zero as we talk about validating the decision to early retire,...
010. Out of sight, out of mind spending
Erica joins this week's podcast, discussing what we consider “out of sight out of mind” spending. Maggie feels strongly that if you’re not tracking your expenses, 100% of your spending is out of...
009. We bought a 2023 Tesla for $10K!? Yes, there’s a little more to the story!
Greg joins this week's podcast, and we finally share why and how we bought a Tesla. We sold our 2016 Prius and bought a 2023 Tesla, and we were out of pocket about $10K! We share Greg’s new side...
008. Save or splurge!? Being intentional with your spending
Erica joins this week's podcast, discussing intentional spending and where we each choose to save or splurge. Intentional spending is all about a values-based, mindful, and conscious approach to...
007. Do $118 yoga pants make you happier? Lifestyle creep and lifestyle satisfaction
Liz joins this week's podcast, and we introduce the concept of lifestyle inflation or creep and share how our lifestyles have inflated in the last 10-20 years. We discuss the research on what makes...
006. 10 Foundations of personal finance
Andrew joins this week's podcast, discussing our top 10 foundations of personal finance. We share how we’ve made progress against these categories, what we wish we had known sooner and did better...
005. Reflections on one year of early retirement
Greg joins this week's podcast, and we discuss our reflections and finances one year into early retirement. First, we share advice our campFI friends have given us along the way as we share how the...
004. The easiest way to be thin and rich
We talk about the parallels between physical fitness and financial fitness, both taboo topics to many, and how they are both quite different yet also similar in some ways. Co-host Liz from...
003. How and why to invest in index funds
Investing in index funds and dollar cost averaging are the boring yet effective ways to invest. Co-host Andrew introduces himself as one of the rotating hosts and shares his passion for personal...
002. Why we spend the way we spend
Why do we spend money the way we spend it? We attempt to break down the psychology of spending, exploring the complex combination of personal, societal, and cultural factors that influence how we...
001. The fresh start effect
Let this first episode be your fresh start as we discuss the fresh start effect. Co-host Greg introduces himself as one of the rotating hosts and shares his background, interests, and experience...
000. Welcome to Inside Out Money
Welcome the the Inside Out Money podcast. Inside Out Money is a personal finance podcast focused on redefining wealth from the inside out. Improving your finances isn't just about the math, it's...