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, IndependenceThe Sequence Risk That Breaks Early Retirement
In this episode, Lucas and Luna dive into sequence-of-returns risk—the early-retirement killer that can derail even the best-laid plans. Using a concrete…
- The Financial Freedom Podcast with Fexingo: Quitting Your Job, Living Off Investments, Independence
How to Create a Living Expense Floor for Early Retirement
Lucas and Luna explore the concept of a 'living expense floor'—a minimum annual spending target that covers essential costs and provides…
- The Financial Freedom Podcast with Fexingo: Quitting Your Job, Living Off Investments, Independence
The Early Retirement Home Purchase That Changes Everything
Episode 50 of The Financial Freedom Podcast with Fexingo dives into a critical but often overlooked early retirement decision: buying a home. Lucas and Luna…
- The Financial Freedom Podcast with Fexingo: Quitting Your Job, Living Off Investments, Independence
How Early Retirees Can Manage Healthcare Abroad
Episode 49 of The Financial Freedom Podcast explores a critical but often overlooked aspect of early retirement: managing healthcare when living abroad. Lucas…
- The Financial Freedom Podcast with Fexingo: Quitting Your Job, Living Off Investments, Independence
The Early Retirement Withdrawal Order That Saves Thousands in Taxes
Lucas and Luna break down the optimal sequence for withdrawing money from retirement accounts in early retirement, focusing on how to minimize taxes by…
- The Financial Freedom Podcast with Fexingo: Quitting Your Job, Living Off Investments, Independence
How to Manage a Variable Withdrawal Rate in Early Retirement
In episode 47 of The Financial Freedom Podcast, Lucas and Luna explore the variable withdrawal rate strategy for early retirees. They break down the guardrail…
- The Financial Freedom Podcast with Fexingo: Quitting Your Job, Living Off Investments, Independence
How a Side Hustle Can Fund Your Early Retirement Dream
Lucas and Luna explore how a small side hustle can bridge the gap between early retirement and financial independence, using the example of a freelance graphic…
- 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 with Fexingo, Lucas and Luna tackle one of the most dangerous hidden threats to early retirement…
- The Financial Freedom Podcast with Fexingo: Quitting Your Job, Living Off Investments, Independence
The Laddered CD Strategy That Protects Your Early Retirement
Lucas and Luna break down a bond ladder strategy specifically designed for early retirees who need predictable income without selling stocks in a downturn…
- The Financial Freedom Podcast with Fexingo: Quitting Your Job, Living Off Investments, Independence
The Early Retirement Withdrawal Order That Saves Thousands in Taxes
In this episode, Lucas and Luna break down the optimal withdrawal order for early retirees — a topic that sounds dry but can save you tens of thousands in…
- The Financial Freedom Podcast with Fexingo: Quitting Your Job, Living Off Investments, Independence
The Roth IRA Early Retirement Loophole
Lucas and Luna dive into one of the most powerful yet overlooked strategies for early retirees: accessing Roth IRA contributions and converted funds tax-free…
- The Financial Freedom Podcast with Fexingo: Quitting Your Job, Living Off Investments, Independence
How to Avoid the Medicare Surcharge Surprise in Early Retirement
Episode 41 of The Financial Freedom Podcast with Fexingo tackles the Income-Related Monthly Adjustment Amount (IRMAA) — the hidden Medicare surcharge that can…
- The Financial Freedom Podcast with Fexingo: Quitting Your Job, Living Off Investments, Independence
How Early Retirees Can Use A Roth Conversion Ladder
In this episode of The Financial Freedom Podcast, Lucas and Luna explore the Roth conversion ladder — a strategy that lets early retirees access retirement…
- The Financial Freedom Podcast with Fexingo: Quitting Your Job, Living Off Investments, Independence
How to Avoid the Social Security Tax Torpedo in Early Retirement
Episode 39 of The Financial Freedom Podcast. Lucas and Luna tackle the little-known Social Security tax torpedo that can silently drain early retirees'…
- The Financial Freedom Podcast with Fexingo: Quitting Your Job, Living Off Investments, Independence
The Invisible Gift Tax That Drains Early Retirees
In this episode of The Financial Freedom Podcast, Lucas and Luna explore a hidden cost that can quietly sabotage an early retirement: the gift tax implications…
- The Financial Freedom Podcast with Fexingo: Quitting Your Job, Living Off Investments, Independence
The Social Security Strategy That Boosts Early Retirement
Early retirees often treat Social Security as an afterthought, but the timing of when you claim can mean a difference of six figures over a retirement. In this…
- The Financial Freedom Podcast with Fexingo: Quitting Your Job, Living Off Investments, Independence
How to Protect Your Early Retirement from Inflation
In this episode of The Financial Freedom Podcast, Lucas and Luna tackle one of the biggest threats to early retirement: inflation. They dig into how retirees…
- The Financial Freedom Podcast with Fexingo: Quitting Your Job, Living Off Investments, Independence
The Master Expense Record That Saves Your Early Retirement
Lucas and Luna explore why most early retirees misjudge their spending by up to 40%, and how a simple master expense record—a single sheet tracking every…
- The Financial Freedom Podcast with Fexingo: Quitting Your Job, Living Off Investments, Independence
The Health Insurance Subsidy Cliff That Hits Early Retirees
Episode 34 of The Financial Freedom Podcast explores how early retirees can accidentally lose thousands in ACA subsidies by earning just a few hundred dollars…
- The Financial Freedom Podcast with Fexingo: Quitting Your Job, Living Off Investments, Independence
The Health Insurance Gap That Breaks Early Retirement
Episode 33 of The Financial Freedom Podcast tackles the single biggest budget-buster for early retirees: health insurance costs before Medicare kicks in. Lucas…
- The Financial Freedom Podcast with Fexingo: Quitting Your Job, Living Off Investments, Independence
How to Avoid the Retirement Spending Smile Trap
Episode 32 of The Financial Freedom Podcast with Fexingo tackles the 'retirement spending smile' — the U-shaped spending pattern that catches early…
- The Financial Freedom Podcast with Fexingo: Quitting Your Job, Living Off Investments, Independence
The Tax Torpedo That Hits Early Retirees at 65
Most early retirees plan for the years before Social Security and Required Minimum Distributions kick in. But what happens when those programs actually start?…
- The Financial Freedom Podcast with Fexingo: Quitting Your Job, Living Off Investments, Independence
The Portfolio Tax Audit That Saves Early Retirees Thousands
Most early retirees obsess over withdrawal rates and asset allocation, but ignore a silent wealth killer: portfolio tax drag. In this episode, Lucas and Luna…
- The Financial Freedom Podcast with Fexingo: Quitting Your Job, Living Off Investments, Independence
The Rental Property That Funds Your Early Retirement
Episode 29 of The Financial Freedom Podcast explores how a single rental property can generate enough cash flow to cover living expenses in early retirement…
- The Financial Freedom Podcast with Fexingo: Quitting Your Job, Living Off Investments, Independence
The Coast FI Number That Changes Your Early Retirement Timeline
Lucas and Luna explore the concept of Coast FI — the financial independence number where your existing investments will grow to support your retirement without…
- The Financial Freedom Podcast with Fexingo: Quitting Your Job, Living Off Investments, Independence
The Sequence of Returns Risk That Breaks Early Retirement
In this episode of The Financial Freedom Podcast with Fexingo, Lucas and Luna explore sequence of returns risk — the often-overlooked danger that can derail an…
- The Financial Freedom Podcast with Fexingo: Quitting Your Job, Living Off Investments, Independence
Why Your Early Retirement Needs a Cash Buffer
Episode 26 of The Financial Freedom Podcast dives into a counterintuitive but crucial retirement strategy: keeping a cash buffer even when you could be fully…
- The Financial Freedom Podcast with Fexingo: Quitting Your Job, Living Off Investments, Independence
The Part-Time Job That Protects Your Early Retirement
Episode 25 of The Financial Freedom Podcast tackles a counterintuitive idea: instead of retiring completely, early retirees who keep a small part-time gig…
- The Financial Freedom Podcast with Fexingo: Quitting Your Job, Living Off Investments, Independence
The Three Percent Rule Is a Trap for Early Retirees
Lucas and Luna dismantle the beloved 4% rule and its shinier cousin, the 3% rule. They explain why a fixed withdrawal rate can be dangerous for early retirees…
- The Financial Freedom Podcast with Fexingo: Quitting Your Job, Living Off Investments, Independence
The Bond Tent That Protects Your Early Retirement
Most early retirees obsess over their withdrawal rate but ignore the first five years of market returns. Lucas and Luna break down the bond tent strategy — a…
- The Financial Freedom Podcast with Fexingo: Quitting Your Job, Living Off Investments, Independence
The Side Hustle That Funds Your Early Retirement
In this episode of The Financial Freedom Podcast, Lucas and Luna explore how a well-chosen side hustle can accelerate your path to financial independence. They…
- The Financial Freedom Podcast with Fexingo: Quitting Your Job, Living Off Investments, Independence
The Sequence of Returns Risk That Breaks Early Retirement
In this episode, Lucas and Luna unpack the concept of sequence of returns risk—the danger that a market downturn early in retirement can permanently damage a…
- The Financial Freedom Podcast with Fexingo: Quitting Your Job, Living Off Investments, Independence
The Flexible Freedom Number That Changes Your Early Retirement
Episode 20 of The Financial Freedom Podcast with Fexingo moves beyond the rigid 4 percent rule and explores the dynamic 'Flexible Freedom Number'—a…
- The Financial Freedom Podcast with Fexingo: Quitting Your Job, Living Off Investments, Independence
The Dividend Portfolio That Funds Your Early Retirement
In this episode, Lucas and Luna explore a less-talked-about early retirement strategy: building a dividend-focused portfolio that generates enough passive…
- The Financial Freedom Podcast with Fexingo: Quitting Your Job, Living Off Investments, Independence
The Lean FI Mistake That Traps Early Retirees
Episode 18 of The Financial Freedom Podcast tackles a subtle but dangerous error in the Lean FI approach: underestimating the cost of lumpy expenses like roof…
- The Financial Freedom Podcast with Fexingo: Quitting Your Job, Living Off Investments, Independence
The Bond Ladder That Pays Your Early Retirement Bills
Early retirement isn't just about having enough stocks. It's about having cash when you need it without selling low. In episode 17 of The Financial…
- The Financial Freedom Podcast with Fexingo: Quitting Your Job, Living Off Investments, Independence
How Safe Withdrawal Rates Change With a Rising Market
With the S&P 500 up roughly 15 percent over the last twelve months, early retirees who locked in a 4 percent withdrawal rate a few years ago may now be leaving…
- The Financial Freedom Podcast with Fexingo: Quitting Your Job, Living Off Investments, Independence
The Sequence of Returns Risk That Breaks Early Retirement
In this episode, Lucas and Luna dive into the concept of sequence of returns risk — the danger of market downturns hitting just as you start withdrawing from…
- The Financial Freedom Podcast with Fexingo: Quitting Your Job, Living Off Investments, Independence
How Sequence of Returns Risk Can Derail Your Early Retirement
In this episode of The Financial Freedom Podcast, Lucas and Luna tackle one of the most underappreciated threats to early retirement: sequence of returns risk…
- The Financial Freedom Podcast with Fexingo: Quitting Your Job, Living Off Investments, Independence
The Side Hustle That Funds Your Early Retirement
Lucas and Luna explore how a strategic side hustle can bridge the gap between quitting your job and living off investments. They examine the story of a former…
- The Financial Freedom Podcast with Fexingo: Quitting Your Job, Living Off Investments, Independence
The Geoarbitrage Mistake Most Early Retirees Make
Lucas and Luna unpack geoarbitrage—moving from a high-cost area to a low-cost one to fund early retirement—but focus on the hidden mistake most people miss…
- The Financial Freedom Podcast with Fexingo: Quitting Your Job, Living Off Investments, Independence
The Healthcare Gap That Sinks Early Retirement Plans
Episode 11 of The Financial Freedom Podcast. Lucas and Luna tackle the single biggest wildcard in early retirement planning: healthcare costs between quitting…
- The Financial Freedom Podcast with Fexingo: Quitting Your Job, Living Off Investments, Independence
The Hidden Tax That Eats Your Early Retirement
Episode 10 of The Financial Freedom Podcast with Fexingo explores a stealthy threat to early retirement: the net investment income tax, or NIIT. Lucas and Luna…
- The Financial Freedom Podcast with Fexingo: Quitting Your Job, Living Off Investments, Independence
The Roth Conversion Ladder Explained Simply
Episode 9 of The Financial Freedom Podcast with Fexingo. Lucas and Luna break down the Roth conversion ladder—the specific strategy that lets early retirees…
- The Financial Freedom Podcast with Fexingo: Quitting Your Job, Living Off Investments, Independence
Why Your Withdrawal Rate Should Change Every Year
Lucas and Luna tackle a common blind spot in the financial independence community: the static 4 percent rule. The episode centers on the concept of a dynamic…
- The Financial Freedom Podcast with Fexingo: Quitting Your Job, Living Off Investments, Independence
The 72t SEPP Strategy for Early Retirement
Episode 7 of The Financial Freedom Podcast with Fexingo takes on one of the most misunderstood tools for accessing retirement funds before age 59 and a half…
- The Financial Freedom Podcast with Fexingo: Quitting Your Job, Living Off Investments, Independence
The Fat Fire Fallacy How More Money Means More Risk
Most people assume that building a bigger nest egg makes early retirement safer. Lucas and Luna challenge that assumption with numbers. Using a case study of a…
- The Financial Freedom Podcast with Fexingo: Quitting Your Job, Living Off Investments, Independence
The Sequence of Returns Risk That Breaks Early Retirement
In this episode of The Financial Freedom Podcast, Lucas and Luna unpack the single biggest threat to an early retirement portfolio: sequence of returns risk…
- The Financial Freedom Podcast with Fexingo: Quitting Your Job, Living Off Investments, Independence
The Coast FI Number That Changes Everything
Lucas and Luna explore the Coast FI strategy, explaining how reaching a specific investment number early can let you stop saving for retirement entirely while…
- The Financial Freedom Podcast with Fexingo: Quitting Your Job, Living Off Investments, Independence
The Barista FI Strategy That Changes Your Number
Lucas and Luna explore Barista FI, a financial independence strategy where you don't need a full nest egg because you plan to keep working part-time for…
- The Financial Freedom Podcast with Fexingo: Quitting Your Job, Living Off Investments, Independence
The Coast FI Number That Changes Everything
Lucas and Luna explore the concept of Coast FI — the point at which your existing investments will grow to support a full retirement without any further…
- The Financial Freedom Podcast with Fexingo: Quitting Your Job, Living Off Investments, Independence
How the 4 Percent Rule Changed Retirement
In the premiere episode of The Financial Freedom Podcast, Lucas and Luna explore the origin of the 4 percent rule—the famous retirement withdrawal…