Shows / The Financial Freedom Podcast with Fexingo: Quitting Your Job, Living Off Investments, Independence
The Financial Freedom Podcast with Fexingo: Quitting Your Job, Living Off Investments, Independence
Lucas and Luna sit on a sunlit cabin porch overlooking a quiet lake, talking about what it really takes to quit your job and live off investments. No pipe dreams, no get-rich-quick schemes — just the math: safe withdrawal rates, dividend yields, tax strategies, sequence-of-return risk, and the behavioral discipline of not selling when markets tumble. Each episode examines a real portfolio, a case study of someone who actually did it (or tried to), or a specific financial product like annuities…
Episodes
The Financial Freedom Podcast with Fexingo: Quitting Your Job, Living Off Investments, IndependenceHow Early Retirees Manage Sequence Risk With a Flexible Spending Rule
Lucas and Luna dive into how early retirees can navigate sequence-of-returns risk using a flexible, percentage-of-portfolio spending rule rather than a fixed…
- The Financial Freedom Podcast with Fexingo: Quitting Your Job, Living Off Investments, Independence
How to Tax-Harvest Gains in Early Retirement
In early retirement, your taxable account can become a powerful tool for locking in zero-percent capital gains. Lucas and Luna walk through the mechanics of…
- The Financial Freedom Podcast with Fexingo: Quitting Your Job, Living Off Investments, Independence
How to Sequence Your Accounts in Early Retirement
Episode 110 of the Financial Freedom Podcast tackles one of the most overlooked details in early retirement planning: which account to withdraw from first…
- The Financial Freedom Podcast with Fexingo: Quitting Your Job, Living Off Investments, Independence
How Early Retirees Handle Sequence Risk With a Rising Equity Glidepath
In this episode of The Financial Freedom Podcast with Fexingo, Lucas and Luna explore a specific strategy for managing sequence-of-returns risk in early…
- The Financial Freedom Podcast with Fexingo: Quitting Your Job, Living Off Investments, Independence
How Early Retirees Use a Margin Loan for Short-Term Cash
Lucas and Luna explore how early retirees can use a margin loan from a brokerage as a short-term cash bridge without selling investments. They walk through the…
- The Financial Freedom Podcast with Fexingo: Quitting Your Job, Living Off Investments, Independence
How Early Retirees Handle Roth IRA Withdrawal Sequencing
In Episode 107 of The Financial Freedom Podcast, Lucas and Luna tackle a subtle but crucial question for anyone living off investments: what order should you…
- The Financial Freedom Podcast with Fexingo: Quitting Your Job, Living Off Investments, Independence
How Early Retirees Navigate Sequence Risk With a Cash Buffer
Lucas and Luna dive into the bond tent strategy—a concrete method for early retirees to reduce sequence-of-returns risk in the first decade of retirement…
- The Financial Freedom Podcast with Fexingo: Quitting Your Job, Living Off Investments, Independence
How Early Retirees Manage Taxes With a Taxable Brokerage Account
Episode 105 of The Financial Freedom Podcast digs into a practical, often-overlooked aspect of early retirement: managing a taxable brokerage account to…
- The Financial Freedom Podcast with Fexingo: Quitting Your Job, Living Off Investments, Independence
How Early Retirees Fund Travel With Travel Hacking
Episode 104 of The Financial Freedom Podcast with Fexingo explores how early retirees can use travel hacking — credit card sign-up bonuses, manufactured…
- The Financial Freedom Podcast with Fexingo: Quitting Your Job, Living Off Investments, Independence
How to Handle Sequence Risk With a Bond Tent Strategy
Episode 103 of The Financial Freedom Podcast explores how early retirees can protect their portfolios from sequence-of-returns risk using a bond tent strategy…
- The Financial Freedom Podcast with Fexingo: Quitting Your Job, Living Off Investments, Independence
How Early Retirees Handle Market Volatility With a Rising Equity Glidepath
In this episode, Lucas and Luna explore how early retirees can use a rising equity glidepath to manage sequence of returns risk. They break down the strategy…
- The Financial Freedom Podcast with Fexingo: Quitting Your Job, Living Off Investments, Independence
How to Self-Insure for Long-Term Care in Early Retirement
Lucas and Luna tackle a fear many early retirees quietly carry: the cost of long-term care. With a 65-year-old couple facing a median $260,000 in future care…
- The Financial Freedom Podcast with Fexingo: Quitting Your Job, Living Off Investments, Independence
How Early Retirees Handle Sequence Risk With a Rising Equity Glidepath
In episode 100 of The Financial Freedom Podcast, Lucas and Luna dig into a counterintuitive strategy for managing sequence-of-returns risk in early retirement…
- The Financial Freedom Podcast with Fexingo: Quitting Your Job, Living Off Investments, Independence
Early Retirement Without a Six-Figure Portfolio
Episode 99 of The Financial Freedom Podcast explores how the 'coast FI' strategy lets you stop saving for retirement early without needing a…
- The Financial Freedom Podcast with Fexingo: Quitting Your Job, Living Off Investments, Independence
How to Plan Early Retirement Health Care Costs Beyond 65
Episode 98 of The Financial Freedom Podcast tackles a blind spot in many early retirement plans: health care costs in the Medicare years. Lucas and Luna…
- The Financial Freedom Podcast with Fexingo: Quitting Your Job, Living Off Investments, Independence
How to Guardrails Your Early Retirement Spending
In this episode of The Financial Freedom Podcast, Lucas and Luna dive into the Guardrails Spending Rule, a dynamic withdrawal strategy that helps early…
- The Financial Freedom Podcast with Fexingo: Quitting Your Job, Living Off Investments, Independence
The Rising Health Insurance Cost Challenge in Early Retirement
Episode 96 of The Financial Freedom Podcast tackles the single biggest wildcard in early retirement planning: health insurance costs. Lucas and Luna walk…
- The Financial Freedom Podcast with Fexingo: Quitting Your Job, Living Off Investments, Independence
How to Cut Sequence Risk With a 3-Bucket Strategy
Lucas and Luna explore the three-bucket portfolio strategy for early retirement, breaking down how a cash buffer, bond ladder, and growth portfolio work…
- The Financial Freedom Podcast with Fexingo: Quitting Your Job, Living Off Investments, Independence
How to Build a Dividend Growth Portfolio for Early Retirement
In Episode 94 of The Financial Freedom Podcast, Lucas and Luna explore a dividend growth strategy for early retirement that prioritizes consistent income…
- The Financial Freedom Podcast with Fexingo: Quitting Your Job, Living Off Investments, Independence
How Early Retirees Can Reduce Sequence Risk With a Cash Buffer
In this episode, Lucas and Luna explore how maintaining a dedicated cash buffer — rather than selling investments during market downturns — can dramatically…
- The Financial Freedom Podcast with Fexingo: Quitting Your Job, Living Off Investments, Independence
How Early Retirees Build a TIPS Ladder for Inflation Protection
Lucas and Luna explore how early retirees can build a Treasury Inflation-Protected Securities ladder to safeguard their portfolios against inflation. Using the…
- The Financial Freedom Podcast with Fexingo: Quitting Your Job, Living Off Investments, Independence
How to Use a Self-Directed Solo 401k for Real Estate
In this episode of The Financial Freedom Podcast, Lucas and Luna explore how early retirees can use a self-directed Solo 401k to invest in real estate without…
- The Financial Freedom Podcast with Fexingo: Quitting Your Job, Living Off Investments, Independence
How to Fund Early Retirement With a Part-Time Business
Episode 90 of The Financial Freedom Podcast explores how early retirees can use a small part-time business to supplement their investment income, reduce…
- The Financial Freedom Podcast with Fexingo: Quitting Your Job, Living Off Investments, Independence
How to Pay for Health Insurance in Early Retirement
In this episode of The Financial Freedom Podcast, Lucas and Luna tackle one of the biggest unknowns for early retirees: how to fund health insurance before…
- The Financial Freedom Podcast with Fexingo: Quitting Your Job, Living Off Investments, Independence
How to Fund Early Retirement With a Roth Conversion Ladder
Lucas and Luna unpack the Roth conversion ladder — a strategy that lets early retirees access retirement funds penalty-free before age 59 and a half. They walk…
- The Financial Freedom Podcast with Fexingo: Quitting Your Job, Living Off Investments, Independence
How to Fund Early Retirement With a Solo 401k
Episode 87 of The Financial Freedom Podcast. Lucas and Luna explore how early retirees can use a Solo 401(k) to accelerate savings, reduce taxes, and access…
- The Financial Freedom Podcast with Fexingo: Quitting Your Job, Living Off Investments, Independence
How Health Insurance Shapes Early Retirement Decisions
Lucas and Luna dig into the single biggest wild card for early retirees: health insurance. Before the Affordable Care Act, retiring before Medicare meant…
- The Financial Freedom Podcast with Fexingo: Quitting Your Job, Living Off Investments, Independence
The Sequence Risk That Breaks Early Retirement
In this episode, Lucas and Luna dive deep into sequence of returns risk—the hidden threat that can derail even a perfectly calculated early retirement. They…
- The Financial Freedom Podcast with Fexingo: Quitting Your Job, Living Off Investments, Independence
The Safe Withdrawal Rate That Adjusts for Your Actual Spending
In Episode 84, Lucas and Luna tackle a blind spot in most early retirement math: spending isn't flat. They break down a dynamic withdrawal strategy based…
- The Financial Freedom Podcast with Fexingo: Quitting Your Job, Living Off Investments, Independence
The 5 Percent Rule That Beats Sequence Risk
Lucas and Luna dive into a retirement withdrawal strategy that goes beyond the classic 4 percent rule: the 5 percent 'guardrail' approach. They walk…
- The Financial Freedom Podcast with Fexingo: Quitting Your Job, Living Off Investments, Independence
The Social Security Claiming Age That Maximizes Lifetime Income
Most early retirees assume Social Security is irrelevant to them — or at best a bonus they'll claim at 62. But the math tells a different story. In this…
- The Financial Freedom Podcast with Fexingo: Quitting Your Job, Living Off Investments, Independence
The 2 Percent Rule That Works Better Than 4 Percent
Episode 81 of The Financial Freedom Podcast challenges the sacred 4 percent rule. Lucas and Luna explore why a 2 percent withdrawal rate, paired with…
- The Financial Freedom Podcast with Fexingo: Quitting Your Job, Living Off Investments, Independence
How Sequence Risk Wrecks Even Perfect Retirement Math
Episode 80 of The Financial Freedom Podcast explores sequence-of-returns risk — the one timing trap that can break even a perfectly calculated early…
- The Financial Freedom Podcast with Fexingo: Quitting Your Job, Living Off Investments, Independence
How to Build a Bond Ladder for Early Retirement Income
In this episode, Lucas and Luna dive into the mechanics of bond laddering for early retirees. They explain how to build a portfolio of individual bonds with…
- The Financial Freedom Podcast with Fexingo: Quitting Your Job, Living Off Investments, Independence
The 4 Percent Rule Is Not a Retirement Plan
In this episode of The Financial Freedom Podcast, Lucas and Luna challenge the conventional wisdom around the 4 percent withdrawal rule. They explain why the…
- The Financial Freedom Podcast with Fexingo: Quitting Your Job, Living Off Investments, Independence
How Early Retirees Can Use a Margin Loan Instead of Selling
Lucas and Luna dive into the mechanics of using a portfolio margin loan as a cash management tool for early retirees — avoiding capital gains tax and sequence…
- The Financial Freedom Podcast with Fexingo: Quitting Your Job, Living Off Investments, Independence
How Early Retirees Can Tap Home Equity Without Selling
Episode 76 explores how early retirees can unlock home equity without selling their house. Lucas and Luna break down the specific mechanics of a Home Equity…
- The Financial Freedom Podcast with Fexingo: Quitting Your Job, Living Off Investments, Independence
How to Generate Retirement Income With Covered Calls
Episode 75 of The Financial Freedom Podcast with Fexingo dives into using covered calls as an income strategy for early retirees. Lucas and Luna break down the…
- The Financial Freedom Podcast with Fexingo: Quitting Your Job, Living Off Investments, Independence
The Sequence Risk That Breaks Early Retirement
In this episode of The Financial Freedom Podcast, Lucas and Luna dive into sequence-of-returns risk — the single biggest threat to a early retiree's…
- The Financial Freedom Podcast with Fexingo: Quitting Your Job, Living Off Investments, Independence
How to Retire Abroad Without the Tax Nightmare
Episode 73 of The Financial Freedom Podcast dives into a high-stakes early retirement strategy that few people plan properly: moving abroad. Lucas and Luna…
- The Financial Freedom Podcast with Fexingo: Quitting Your Job, Living Off Investments, Independence
How to Pay Zero Capital Gains Tax in Early Retirement
Lucas and Luna unpack the 0 percent long-term capital gains tax bracket — a strategy many early retirees overlook. Using a concrete example of a couple…
- The Financial Freedom Podcast with Fexingo: Quitting Your Job, Living Off Investments, Independence
How Early Retirees Can Use Geographically Diversified Income
Episode 71 of The Financial Freedom Podcast with Fexingo explores how geographic diversification can protect early retirees from local economic downturns…
- The Financial Freedom Podcast with Fexingo: Quitting Your Job, Living Off Investments, Independence
How to Fund Early Retirement With a Variable Withdrawal Strategy
In episode 70, Lucas and Luna tackle the variable withdrawal strategy—a flexible alternative to the classic 4% rule that adjusts spending based on portfolio…
- The Financial Freedom Podcast with Fexingo: Quitting Your Job, Living Off Investments, Independence
The Withdrawal Rate That Survives Every Market Cycle
Episode 69: Lucas and Luna tackle the retirement withdrawal rate that goes beyond the famous 4% rule. They explore why the traditional rule fails in…
- The Financial Freedom Podcast with Fexingo: Quitting Your Job, Living Off Investments, Independence
How a Side Hustle Can Fund Your Early Retirement Gap Years
Episode 68 of The Financial Freedom Podcast breaks down how a small, deliberate side income—not a full-blown business—can bridge the 'gap years'…
- The Financial Freedom Podcast with Fexingo: Quitting Your Job, Living Off Investments, Independence
The Coast Fire Math That Lets You Quit Your Job Years Earlier
Episode 67 of The Financial Freedom Podcast digs into Coast FI — the FIRE variant that lets you stop saving for retirement decades before you actually retire…
- The Financial Freedom Podcast with Fexingo: Quitting Your Job, Living Off Investments, Independence
How to Use a Roth IRA Ladder in Early Retirement
Lucas and Luna walk through the mechanics of a Roth IRA conversion ladder, explaining how early retirees can access retirement funds before age 59½ without…
- The Financial Freedom Podcast with Fexingo: Quitting Your Job, Living Off Investments, Independence
How Early Retirees Can Use Home Equity as a Backup Plan
Lucas and Luna explore a less-discussed safety valve for early retirement: the home equity line of credit. Drawing on the story of a couple who retired at 46…
- The Financial Freedom Podcast with Fexingo: Quitting Your Job, Living Off Investments, Independence
The Sequence Risk That Breaks Early Retirement
In this episode, Lucas and Luna dive deep into sequence-of-returns risk—the hidden danger that can unravel even the best-laid early retirement plans. Using a…
- The Financial Freedom Podcast with Fexingo: Quitting Your Job, Living Off Investments, Independence
How to Access Your Retirement Funds Before Age 59 and a Half
Episode 63 of The Financial Freedom Podcast tackles one of the biggest fears for aspiring early retirees: getting penalized for touching your retirement…
- The Financial Freedom Podcast with Fexingo: Quitting Your Job, Living Off Investments, Independence
How to Fund Early Retirement With a Bond Tent Strategy
In episode 62 of The Financial Freedom Podcast, Lucas and Luna dive into the bond tent strategy—a specific asset allocation technique designed to protect early…
- The Financial Freedom Podcast with Fexingo: Quitting Your Job, Living Off Investments, Independence
How a Solo 401k Supercharges Early Retirement Savings
Lucas and Luna explore how early retirees and aspiring early retirees can use a Solo 401(k) to supercharge tax-advantaged savings beyond the typical 401(k)…
- The Financial Freedom Podcast with Fexingo: Quitting Your Job, Living Off Investments, Independence
How to Build a Withdrawal Cushion Without Sacrificing Growth
Episode 60 of The Financial Freedom Podcast explores a counterintuitive early retirement strategy: keeping a cash buffer that doesn't drag down your…
- The Financial Freedom Podcast with Fexingo: Quitting Your Job, Living Off Investments, Independence
How to Cover Health Insurance Between Jobs and Retirement
Episode 59 of The Financial Freedom Podcast tackles the health insurance gap that early retirees face when they leave their job but aren't yet eligible…
- The Financial Freedom Podcast with Fexingo: Quitting Your Job, Living Off Investments, Independence
How to Use an HSA as an Early Retirement Account
In this episode of The Financial Freedom Podcast, Lucas and Luna explore a powerful but often overlooked tool for early retirees: the Health Savings Account…
- The Financial Freedom Podcast with Fexingo: Quitting Your Job, Living Off Investments, Independence
The Dividend Tax Trap That Hits Early Retirees Hardest
Episode 57 of The Financial Freedom Podcast: Lucas and Luna unpack the little-known 'qualified dividend loophole gap' that can cost early retirees…
- The Financial Freedom Podcast with Fexingo: Quitting Your Job, Living Off Investments, Independence
How to Fund Early Retirement With a Summer House Rental Strategy
In this episode of The Financial Freedom Podcast, Lucas and Luna explore a creative early retirement income strategy: renting out your home or a second…
- The Financial Freedom Podcast with Fexingo: Quitting Your Job, Living Off Investments, Independence
The Bond Ladder Strategy That Protects Early Retirement
In Episode 55 of The Financial Freedom Podcast, Lucas and Luna dive into the mechanics of a bond ladder—a strategy that can provide a predictable income floor…
- The Financial Freedom Podcast with Fexingo: Quitting Your Job, Living Off Investments, Independence
The Early Retirement Paycheck System That Never Runs Dry
Most early retirees obsess over their withdrawal rate but ignore a more fundamental question: how does the money actually get from your portfolio to your…
- The Financial Freedom Podcast with Fexingo: Quitting Your Job, Living Off Investments, Independence
How to Structure a Dividend Portfolio for Early Retirement
Episode 53 of The Financial Freedom Podcast dives into the mechanics of building a dividend-focused portfolio that cash-flows your early retirement without…