FILIGHTER Podcast with Lambo: Recent Episodes
Lambo
Financial Independence tools for Millennials, GenXers, and young Boomers Build your skills and apply techniques to improve your Financial Independence and make early retirement a reality Hosted by Lambo the FI-light-ER
Episode 023 Filighter Podcast with Lambo
Aerospace Mechanical Engineer to Financial Advisor with Jesse Cramer
Show Notes
Guest: Jesse Cramer
Interview Date: June 11, 2026
Jesse is a Full Time Financial Advisor, but today we are going to focus on his career path, how he got to where he is today, and believe it or not he once was designing telescopes for SPACE!!
The second half of our episode covers some best practices and topics for those just getting started in their 20's-30's, Middle Age Personal Finance issues, and finally, retirement issues for early and soon to be retirees.
But First, Congratulations Jesse!! Your podcast Personal Finance for Long Term Investors achieved 20,000 downloads for May 2026!!!
Links discussed in this episode:
Jesse's Blog: Best Interest Blog
Jesse's Podcast: Personal Finance for Long Term Investors
Books Discussed:
Tax Planning To and Through Early Retirement – Cody Garrett and Sean Mullaney
Trillions – Robin Wigglesworth
The Simple Path to Wealth – JL Collins
Blog Postings Discussed:
The 19 Questions to Ask Your Financial Adviser - Jason Zweig
Fee-Only, Flat Fee, Fee-Based?! A Full Description of How Financial Advisors Charge Fees – Jesse Cramer
Why 10% Creates an Infinite Difference – Jesse Cramer
Post 10.0 –> Three Lies You Tell Yourself about Your Finances – Paul Lambert
Other Items Discussed:
Stacking Benjamins – Joe Saul-Sehy
Open Social Security – A free, open-source Social Security strategy calculator – Mike Piper
Choose FI – Brad Barrett
FI-light-ER WEBSITE and BLOG:
www.filighter.com
Email:lambothefilighter@gmail.com
X: FILIGHTER1 (formerly Twitter)
Theme Music (Available on iTunes or Spotify): Another Day – MJ Torrance
Remember our FILIGHTER Disclaimer: I want to remind each of our listeners that content in this podcast including any show notes or links, the Filighter Blog, and the Filighter Website are entirely educational or entertainment in nature and you should seek a professional for Tax, Investment, or Legal advice or otherwise. We are not Tax or Investment experts and are not in any way providing expert advice so please seek your own tax, legal, or other professional for advice and counseling. Filighter or its creators accept no responsibility or liability for any actions or activities you may take based on anything discussed on the website, podcast, postings, or comments.
Episode 022 Filighter Podcast with Lambo
Tax Planning with Sean Mullaney
Show Notes
Guest: Sean Mullaney CPA, Coauthor: Tax Planning To and Through Early Retirement
DISCLAIMER: The discussion is intended to be for general educational purposes and is not tax, legal, or investment advice for any individual. Paul Lambert and the FILIGHTER Podcast do not endorse Sean Mullaney, CPA, Mullaney Financial & Tax, Inc. and their services.
Book Review: TAX Planning To and Through Early Retirement
Authors: Cody Garett, CFP and Sean Mullaney, CPA
Author Websites:
Sean W. Mullaney
Cody Garrett
Link to Buy Book: Amazon Link to Book
Other mentions during this episode:
Mike Piper CPA, Website
Social Security Open Source Calculator
FI-light-ER WEBSITE and BLOG:www.filighter.com
X: FILIGHTER1 (formerly Twitter)
Email:lambothefilighter@gmail.com
Remember our FILIGHTER Disclaimer: I want to remind each of our listeners that content in this podcast including any show notes or links, the Filighter Blog, and the Filighter Website are entirely educational or entertainment in nature and you should seek a professional for Tax, Investment, or Legal advice or otherwise. We are not Tax or Investment experts and are not in any way providing expert advice so please seek your own tax, legal, or other professional for advice and counseling. Filighter or its creators accept no responsibility or liability for any actions or activities you may take based on anything discussed on the website, podcast, postings, or comments.
Theme Music (Available on iTunes or Spotify): Another Day – MJ Torrance
Join us today as we dive into the world of MINI-RETIREMENTS! You will be surprised how many ways these can benefit your career, personal life, and even the organizations you work with as you focus for a month or more on recharging adventure or activity.
Jillian Johnsrud, author of Retire Often, never expected to be able to retire early, so she hatched a plan to retire often. Inspired by the idea of sabbatical years, she set out to sprinkle our retirements throughout her working life.
At 40, Jillian and her family have taken over a dozen mini retirements. These allowed them to pursue dreams like living abroad, traveling to 27 countries, adopting four kids (plus two biological kids), investing in real estate, and traveling the U.S. in a camper.
Jillian has taught, coached, and wrote about mini retirements for almost a decade. She hosts the Retire Often podcast and is a popular speaker and consultant for mini retirements. She lives in Montana, where she spends time in her garden drinking tea.
Jillian’ s Website
FI-light-ER WEBSITE and BLOG:www.filighter.com
Facebook Group
Email:lambothefilighter@gmail.com
Remember our Disclaimer: I want to remind each of our listeners that content in this podcast including any show notes or links, the Filighter Blog, and the Filighter Website are entirely educational or entertainment in nature and you should seek a professional for Tax, Investment, or Legal advice or otherwise. We are not Tax or Investment experts and are not in any way providing expert advice so please seek your own tax, legal, or other professional for advice and counseling. Filighter or its creators accept no responsibility or liability for any actions or activities you may take based on anything discussed on the website, podcast, postings, or comments.
Theme Music (Available on iTunes or Spotify): Another Day – MJ Torrance
In this solo episode of The FI-light-ER Podcast:
Lambo reviews the top 15 daily percentage moves for the S&P 500 during the modern post war era
Join me as we walk down memory lane in detail discussion of Black Monday 1987, Financial Crisis 2008, Covid 2020, and finally the Trump Tariffs of 2025.
15 of the biggest market move days for the S&P 500
The single largest down day of (20.5%) on October 19, 1987
The single largest up day of 11.6% on October 13, 2008
Sit back and thing through these esperiences!
Source: List of largest daily changes in the S&P 500 Index - Wikipedia
FI-light-ER WEBSITE and BLOG:www.filighter.com
Facebook Group
Email:lambothefilighter@gmail.com
Remember our Disclaimer: I want to remind each of our listeners that content in this podcast including any show notes or links, the Filighter Blog, and the Filighter Website are entirely educational or entertainment in nature and you should seek a professional for Tax, Investment, or Legal advice or otherwise. We are not Tax or Investment experts and are not in any way providing expert advice so please seek your own tax, legal, or other professional for advice and counseling. Filighter or its creators accept no responsibility or liability for any actions or activities you may take based on anything discussed on the website, podcast, postings, or comments.
Theme Music (Available on iTunes or Spotify): Another Day – MJ Torrance
In this episode of The FI-light-ER Podcast:
Lambo interviews author Jordan Grumet, MD about his new book,
The Purpose Code
How to Unlock Meaning, Maximize Happiness, and Leave a Lasting Legacy
The Purpose Code is scheduled for release January 7, 2025.
Find out more about Dr. Jordan Grumet at his website www.jordangrumet.com (you can find links on where to pick up The Purpose Code on this page).
SHOW NOTES - EPISODE 19 of the FI-light-ER Podcast with Lambo
We had a great discussion in this episode and I'm excited to share it with all the FILIGHTERS out there!! There is something in this episode for everyone. No heavy personal finance stuff, this is all about PURPOSE!!
Jordan’s Website: https://jordangrumet.com/
Jordan’s Podcast: Earn and Invest Podcast
Jordan’s Last time on the podcast was Episode 15 back in July 2022 when we discussed his previous book Taking Stock - A Hospice Doctor’s Advice on Financial Independence, Building Wealth, and Living a Regret-Free Life
Other Mentions in this episode:
Joe Saul-Sehy: Joe Saul-Sehy | Creator, Co-Host, Author, Coach
Sean Mullaney: The FI Tax Guy – The Tax Efficient Path to Financial Independence
The Mad Fientist: Mad Fientist - Financial Independence and Early Retirement
Paula Pant: Home - Afford Anything
FI-light-ER WEBSITE and BLOG:www.filighter.com
Facebook Group
Email:lambothefilighter@gmail.com
Remember our Disclaimer: I want to remind each of our listeners that content in this podcast including any show notes or links, the Filighter Blog, and the Filighter Website are entirely educational or entertainment in nature and you should seek a professional for Tax, Investment, or Legal advice or otherwise. We are not Tax or Investment experts and are not in any way providing expert advice so please seek your own tax, legal, or other professional for advice and counseling. Filighter or its creators accept no responsibility or liability for any actions or activities you may take based on anything discussed on the website, podcast, postings, or comments.
Theme Music (Available on iTunes or Spotify): Another Day – MJ Torrance
Lambo returns with first episode in 2023
We reflect on the past year and discuss Priorities, Goals, Communication, and types of FI (Financial Independence) Coast FI, Lean FI, FI, and Fat FI
Disclaimer:
The discussion is intended to be for general educational purposes and is not tax, legal, or investment advice for any individual.
Episode Recorded Tuesday, November 14th, 2023
FI-light-ER WEBSITE and BLOG: www.filighter.com
Facebook Group
Email: lambothefilighter@gmail.com
Remember our FILIGHTER Disclaimer: I want to remind each of our listeners that content in this podcast including any show notes or links, the Filighter Blog, and the Filighter Website are entirely educational or entertainment in nature and you should seek a professional for Tax, Investment, or Legal advice or otherwise. We are not Tax or Investment experts and are not in any way providing expert advice so please seek your own tax, legal, or other professional for advice and counseling. Filighter or its creators accept no responsibility or liability for any actions or activities you may take based on anything discussed on the website, podcast, postings, or comments.
Theme Music (Available on iTunes or Spotify): Another Day – MJ Torrance
Episode 16 Sean Mullaney – FI TAX GUY – SOLO 401(k): The Solopreneur’s Retirement Account
Episode 16 Show Notes-->
Book Link on Amazon
SOLO 401(k) The Solopreneur’s Retirement Account
FIRE Tax Strategies for Beginners: https://fitaxguy.com/top-four-tax-moves-for-financial-independence-beginners/
QBI Deduction for Beginners: https://fitaxguy.com/section-199a-for-beginners/
Sean's Twitter: @seanmoneyandtax
Sean's Website: FITaxGuy.com
Sean's YouTube Channel: Sean Mullaney - YouTube
Other Mention: CampFI Southwest October 7-10, 2022
Disclaimer:
The discussion is intended to be for general educational purposes and is not tax, legal, or investment advice for any individual.
*Correction: Episode Recorded Wednesday, September 28th, 2022
FI-light-ER WEBSITE and BLOG:www.filighter.com
Facebook Group
Email:lambothefilighter@gmail.com
Remember our FILIGHTER Disclaimer: I want to remind each of our listeners that content in this podcast including any show notes or links, the Filighter Blog, and the Filighter Website are entirely educational or entertainment in nature and you should seek a professional for Tax, Investment, or Legal advice or otherwise. We are not Tax or Investment experts and are not in any way providing expert advice so please seek your own tax, legal, or other professional for advice and counseling. Filighter or its creators accept no responsibility or liability for any actions or activities you may take based on anything discussed on the website, podcast, postings, or comments.
Theme Music (Available on iTunes or Spotify): Another Day – MJ Torrance
Episode 16 Sean Mullaney – FI TAX GUY – SOLO 401(k): The Solopreneur’s Retirement Account
Episode 16 Show Notes-->
Book Link on Amazon
SOLO 401(k) The Solopreneur’s Retirement Account
FIRE Tax Strategies for Beginners: https://fitaxguy.com/top-four-tax-moves-for-financial-independence-beginners/
QBI Deduction for Beginners: https://fitaxguy.com/section-199a-for-beginners/
Sean's Twitter: @seanmoneyandtax
Sean's Website: FITaxGuy.com
Sean's YouTube Channel: Sean Mullaney - YouTube
Other Mention: CampFI Southwest October 7-10, 2022
Disclaimer:
The discussion is intended to be for general educational purposes and is not tax, legal, or investment advice for any individual.
*Correction: Episode Recorded Wednesday, September 28th, 2022
FI-light-ER WEBSITE and BLOG:www.filighter.com
Facebook Group
Email:lambothefilighter@gmail.com
Remember our FILIGHTER Disclaimer: I want to remind each of our listeners that content in this podcast including any show notes or links, the Filighter Blog, and the Filighter Website are entirely educational or entertainment in nature and you should seek a professional for Tax, Investment, or Legal advice or otherwise. We are not Tax or Investment experts and are not in any way providing expert advice so please seek your own tax, legal, or other professional for advice and counseling. Filighter or its creators accept no responsibility or liability for any actions or activities you may take based on anything discussed on the website, podcast, postings, or comments.
Theme Music (Available on iTunes or Spotify): Another Day – MJ Torrance
The FILIGHTER Podcast EPISODE 15 – Jordan Grumet MD Interview
Show Notes -->
Taking Stock A Hospice Doctor’s Advice on Financial Independence, Building Wealth, and Living a Regret-Free Life – Jordan Grumet MD
Preorder the Book: Taking Stock Book (Available August 2, 2022)
Jordan’s Website: https://jordangrumet.com/
Jordan’s Podcast: Earn and Invest Podcast
Financial Freedom by Grant Sabatier
Your Money or Your Life by Vicki Robin
Bronnie Ware – The Top Five Regrets of the Dying
Jessica Lynn – The Fioneers
Heidy Dusek – Ordinary Sherpa
The Whitecoat Investor – Dr. Jim Dahle
Stacking Benjamins Podcast – Joe Saul-Sehy
FI-light-ER WEBSITE and BLOG:www.filighter.com
Facebook Group
Email:lambothefilighter@gmail.com
Remember our Disclaimer: I want to remind each of our listeners that content in this podcast including any show notes or links, the Filighter Blog, and the Filighter Website are entirely educational or entertainment in nature and you should seek a professional for Tax, Investment, or Legal advice or otherwise. We are not Tax or Investment experts and are not in any way providing expert advice so please seek your own tax, legal, or other professional for advice and counseling. Filighter or its creators accept no responsibility or liability for any actions or activities you may take based on anything discussed on the website, podcast, postings, or comments.
Theme Music (Available on iTunes or Spotify): Another Day – MJ Torrance
FILIGHTER Episode 14 – I-Bonds
SHOW NOTES
Lets learn about I-Bonds from the US Treasury that are currently yielding 9.62% in May 2022
Treasury Direct Website
May 2022 I BOND RATE CHART.XLSX (treasurydirect.gov)
*Gotta hold them at least 12 months
*Three month penalty if held less than 5 years
*Rates are set 2 times per year and hold for 6 months (Base Rate, currently Zero, and Inflation Rate, currently 9.62%)
*Must purchase from TreasuryDirect.gov
FILIGHTER WEBSITE and BLOG:
www.filighter.com
Facebook Group
Email:lambothefilighter@gmail.com
Remember our Disclaimer: I want to remind each of our listeners that content in this podcast including any show notes or links, the Filighter Blog, and the Filighter Website are entirely educational or entertainment in nature and you should seek a professional for Tax, Investment, or Legal advice or otherwise. We are not Tax or Investment experts and are not in any way providing expert advice so please seek your own tax, legal, or other professional for advice and counseling. Filighter or its creators accept no responsibility or liability for any actions or activities you may take based on anything discussed on the website, podcast, postings, or comments.
Theme Music (Available on iTunes or Spotify) : Another Day – MJ Torrance
FILIGHTER PODCAST LINKS:
FILIGHTER on APPLE
FILIGHTER on STITCHER
FILIGHTER on SPOTIFY
FILIGHTER on GOOGLE
What is a Series I Savings Bond?
A savings bond that earns interest based on combining a fixed rate and an inflation rate for up to 30 years.
Twice a Year Rates are set and there are TWO Rate Components to a Series I Savings Bond:
- Fixed Rate
- Inflation Rate
The Composite interest rate combines these two separate rates:
A fixed rate of return, which remains the same throughout the life of the I bond.
A variable semiannual inflation rate based on changes in the Consumer Price Index for all Urban Consumers (CPI-U). The Bureau of the Fiscal Service announces the rates each May and November. The semiannual inflation rate announced in May is the change between the CPI-U figures from the preceding September and March; the inflation rate announced in November is the change between the CPI-U figures from the preceding March and September.
Because it combines two rates, the interest rate on an I bond sometimes is called the composite rate or the overall rate.
0.0% + 3.54% May 2021
0.0% + 7.12% Last November 2021
0.0% + 9.62% May of 2022
While the inflation rate can be negative, the composite rate floor is set to never be less than zero. The only two periods since 1998 that negative rates for inflation were used took place in 2009 and 2015.
Using our 20/20 hindsight vision, Say between May 2000 and October 2000 you were buying an I-Bond, your two combination rates would be a FIXED RATE of 3.6% plus an Inflation Rate of 3.89% for a combined rate of 7.49% at the time. ROLL THE CLOCK FORWARD TO TODAY, and that base rate bond of 3.6% and the new 9.62% Inflation Rate would take you to 13.39% composite rate for your bond.
How would you like more than 13% rates on a US Government backed savings bond?
Just FYI the last time you could have bought a bond with a fixed rate above zero, was November 2019 through April of 2020. During that 6-month period, the fixed rate was zero point two percent. 0.2% or 20 basis points in financial rate lingo. A basis point is 1/100th of one percent.
May 2022 I BOND RATE CHART.XLSX (treasurydirect.gov)
If you purchase a bond during the 6-month window your bond will receive the current rate for 6 months then interest at the end of the period will be compounded to your balance semi-annually and invested at the then new rate for the next 6 months.
If you bought a bond today, May 24th, 2022, your bond would reset rates every May 1st and November 1st
If you bought on 4th of July, your rates would reset each July 1st and January 1st
There are some opportunities to either report income earned annually, or all at the time the bond is cashed out.
There are some key points to know before buying a Series I Savings Bond:
1) You must hold it for at least a year.
2) If you cash out in less than 5 years, you forfeit the last 3 months interest.
3) When the bond is 30 years old, or at maturity, the bond no longer earns interest.
Sounds great right? So want to buy some? Easy does it wrangler….
How do you buy a Series I Savings Bond, or I Bonds for short….
- Go to Treasurydirect.gov and research the I-Bond (There are other types of bonds, notes, and bills but we are going to limit our scope today to I-Bonds)
- Create an Account
- Your account when set up will be linked to a bank account that transactions will utilize. When you purchase a bond, the funds will be drafted from the account, when you redeem or cash out of a bond, the funds will be deposited into your account.
-
Once your account is created, you have several options to purchase I bonds:
- LIMITS – There is a $10,000 limit per person per calendar year.
- The only way to buy more than $10,000 is to utilize an IRS Refund to purchase a paper bond up to an additional $5000. This may be the ONLY good reason to overpay your federal income taxes. When you file your tax return include IRS FORM 8888 and purchase as little as $50 or as much as $5000 in multiples of $50 increments.
- MIMIMUMS, $25 on Electronic and $50 on Paper – remember paper can only be purchased with a Federal Tax Refund
- Lump Sum Purchase, Log in and decide on an amount and buy it all at once.
- This is the method I used and frankly it was probably the simplest, one and done for the year.
- Payroll Savings Plan
- Like direct deposit in your checking or savings account, you can purchase I-Bonds directly by payroll deposit. There are more instructions on the Treasury Direct site if you are an individual or employer and want to better understand the set up. If I still had W-2 Income, this may be a great way to automate the purchases. The other nice though on the back side when selling each of these bonds will mature at a different time and can be used to meet expenses later, say when funding a child’s education or your own retirement expenses.
- Schedule Purchases
- Recurring options:
- Weekly,
- Biweekly, every other week
- Monthly,
- Bi-monthly, every other month
- Quarterly,
- Semi-annually, every 6 months
- and Annually
- Schedule your own dates
- Birthday every year
- Monthly except June and November when Property Taxes are due (in Texas) and funds are needed elsewhere
- Recurring options:
-
Basically, you can automate and utilize the site to buy whenever you want.
-
OWNERSHIP – before you purchase a bond you will need to decide if the ownership will be either:
- Sole Owner
- Primary Owner
- Beneficiary
- In our case, I set up my I-Bonds as myself as First Named Registrant and my wife as Second-Named registrant Payable on Death
- You will need a Tax ID number for each owner listed, in my case that is my Social Security Number
- Other Options:
- GIFTS – you can set up a gift box and purchase bonds for someone else. Say your children, grandchildren, or anyone else. They will need to set up a Treasury Direct Account and provide the number to you for your transfer of the bonds from your gift box into their account.
- The rate is set at the time you buy the bond for the gift, so if you want to lock in the 9.62% current rate, be sure to buy the gift bond before the end of October 2022.
- At the time the gift bond is transferred it counts against the recipients limit for the calendar year. It may be a good idea to let a recipient know you intend to purchase an I-bond and be sure they have not already used up their max $10,000 for the year.
- Some vloggers on you-tube get creative with the ways this can be manipulated. For instance, they buy bonds for their spouse as a gift to lock in rates but don’t transfer it out of their gift box until the following year. Kind of like the gift box is LIMBO and those don’t count against the giver or receiver limits until they are transferred. I AM NOT SUGGESTING anyone game the system, just that it is best to clearly understand the rules and complications and when you play with fire you might get burned if you don’t dot all the “I”s and cross all the “T’s”.
How do you know if these are something that fit into your portfolio?
- Does your Strategic Asset Allocation include a Fixed Income Component?
- Most asset allocations include components for EQUITIES, FIXED INCOME, and CASH
- If a portion of your allocation goal is FIXED INCOME, consider if I-Bonds make sense as a portion of your target allocation.
- Do your diversification goals within Fixed Income include Inflation protected components?
- For instance, if you hold the Vanguard BND ETF there is not specific inflation indexed bonds withing the portfolio, but if you hold VTIP Vanguard Short-Term Inflation Protected Securities Index Fund ETF shares, you already have exposure to inflation protected financial instruments.
- If you routinely Rebalance your portfolio, these bonds may not be sellable (Less than 12 months, or less than 5 years (3-month penalty) so consider these as a longer term component of your allocation and perhaps sell a bond mutual fund or ETF to accomplish the goals of rebalancing by Asset Allocation.
I have been interested in I-bonds since the coverage started in May 2021 when the rate was 3.54%. When the rate went to 7.12% we made our first purchases in November 2021. Then again on the first of January, we purchased additional bonds. The November purchases reset to 9.62% this month, May 2022 and the January purchases will reset in July to 9.62%. Many bloggers published content as to whether you should buy at the old rate before the reset to push out the tail on higher rates as inflation declines. It makes little difference to me, and I like to employ my Half Right Half Wrong philosophy, if you think it makes a difference buy half before and half after. You will be “right” if there is such a thing on half of your purchase and can you really be “WRONG” for buying at 9.62%? You will get 6 months of each rate once you buy as long as you hold the bonds up until 30 year maturity.
What are other factors to consider in your purchase decision?
- You will have to set up ANOTHER account
- You will need to let your financial advisor know you have holdings in a treasury direct account for purposes of any allocation or rebalance planning.
- If you are very risk averse, the fact that the US Government stands behind these bonds will help you rest easy at night.
- When you are in a drawdown stage, these will have to be sold separately from your other asset or investment accounts.
- Liquidity, if you need your money back over the short term (less than a year) they are not for you, or at least the portion you need on the short term. It may make sense to buy and hold for 18 months and then liquidate, you will receive the interest and some compounding but give up the last 3 months interest.
Look into I-Bonds, they could be a good fit, or not! Hopefully this is now a topic that is no longer something you didn’t know you didn’t know. 😊
More Education is good! Mind the Gap! Lambo
STACKED: Your Super Serious Guide to Modern Money Management Interview with Author Joe Saul-Sehy SHOW NOTES Links In order of mention on this FI-light-ER Episode 13: BOOK TOUR Dates Stacking Benjamins
Emily Guy Birken Co-Author
Paula Pant
Rob Berger
J. D. Roth
Jeff Rose
Jim Wang
Adam Baker
Ramit Sethi
Liz Weston
Joshua Dorkin
Brandon Turner
Morgan Housel
J. L. Collins
Vicki Robin
Ric Edelman
James Clear
Blog Post 8.0 with “I Will Teach You To Be Rich” Ramit Sethi reference
Len Penzo
Mat & Board Podcast
“The greatest danger for most of us is not that our aim is too high and we miss it, but that it is too low and we reach it.” - Michelangelo
WEBSITE and BLOG:www.filighter.com
Facebook Group
Email:lambothefilighter@gmail.com
Remember our Disclaimer: I want to remind each of our listeners that content in this podcast including any show notes or links, the Filighter Blog, and the Filighter Website are entirely educational or entertainment in nature and you should seek a professional for Tax, Investment, or Legal advice or otherwise. We are not Tax or Investment experts and are not in any way providing expert advice so please seek your own tax, legal, or other professional for advice and counseling. Filighter or its creators accept no responsibility or liability for any actions or activities you may take based on anything discussed on the website, podcast, postings, or comments.
Theme Music (Available on iTunes or Spotify) : Another Day – MJ Torrance
FILIGHTER PODCAST LINKS:
FILIGHTER on APPLE
FILIGHTER on STITCHER
FILIGHTER on SPOTIFY
FILIGHTER on GOOGLE
Live from FINCON21 in Austin Texas USA (Interview recorded 9.24.2021, Update recorded 2.10.2022)
LifeGoal Investments Link:
LifeGoal Investments
Email:lambothefilighter@gmail.com
FILIGHTER WEBSITE and BLOG:
www.filighter.com
Facebook Group
Remember our Disclaimer: I want to remind each of our listeners that content in this podcast including any show notes or links, the Filighter Blog, and the Filighter Website are entirely educational or entertainment in nature and you should seek a professional for Tax, Investment, or Legal advice or otherwise. We are not Tax or Investment experts and are not in any way providing expert advice so please seek your own tax, legal, or other professional for advice and counseling. Filighter or its creators accept no responsibility or liability for any actions or activities you may take based on anything discussed on the website, podcast, postings, or comments.
Theme Music: Another Day – MJ Torrance
FI-light-ER Episode 11 Show Notes:
Kat from PA the FI Way interview on the Filighter Podcast
Website: http://pathefiway.com
Instagram: @pathefiway https://www.instagram.com/pathefiway/
Private Facebook group created for current and future PAs on their journey to financial independence: https://www.facebook.com/groups/pathefiway
Facebook page: https://www.facebook.com/pathefiway
Specific Links mentioned in this FILIGHTER Episode:
S&P 500 Historical Annual Returns | MacroTrends
Dow Jones By Year - Historical Annual Returns | MacroTrends
Post 6.0 –> Four ways the COVID-19 Market Drop and Recovery Made You a Better Investor – FIlightER.com
Post 3.0 –> We are in it together, …The Market (and Covid-19) – FIlightER.com
2.0 The Not So Simple Path to Wealth … – FIlightER.com
BOOKS Mentioned:
JL Collins “Simple Path to Wealth” www.jlcollinsnh.com
Email:lambothefilighter@gmail.com
FILIGHTER WEBSITE and BLOG:
www.filighter.com
Facebook Group
Remember our Disclaimer: I want to remind each of our listeners that content in this podcast including any show notes or links, the Filighter Blog, and the Filighter Website are entirely educational or entertainment in nature and you should seek a professional for Tax, Investment, or Legal advice or otherwise. We are not Tax or Investment experts and are not in any way providing expert advice so please seek your own tax, legal, or other professional for advice and counseling. Filighter or its creators accept no responsibility or liability for any actions or activities you may take based on anything discussed on the website, podcast, postings, or comments.
Theme Music: Another Day – MJ Torrance
FI-light-ER Episode 10 Show Notes:
Segment 1: Red X
Segment 2: Take Action
Segment 3: Community
Segment 4: Honor your Commitment
Specific Links mentioned in this FILIGHTER Episode:
S&P 500 Historical Annual Returns | MacroTrends
NASDAQ By Year - Historical Annual Returns | MacroTrends
Dow Jones By Year - Historical Annual Returns | MacroTrends
Post 6.0 –> Four ways the COVID-19 Market Drop and Recovery Made You a Better Investor – FIlightER.com
Post 3.0 –> We are in it together, …The Market (and Covid-19) – FIlightER.com
2.0 The Not So Simple Path to Wealth … – FIlightER.com
Mat and Board Podcast
Theme Music: Another Day – MJ Torrance
BOOKS Mentioned:
JL Collins “Simple Path to Wealth” www.jlcollinsnh.com
Email:
lambothefilighter@gmail.com
FILIGHTER PODCAST LINKS:
FILIGHTER on APPLE
https://podcasts.apple.com/us/podcast/filighter-podcast/id1533365446
FILIGHTER on STITCHER
https://www.stitcher.com/search?q=FILIGHTER
FILIGHTER on SPOTIFY
https://open.spotify.com/show/6CFi5v1fTAv7IJ2yqrdJlc
FILIGHTER on GOOGLE
https://podcasts.google.com/feed/aHR0cHM6Ly9maWxpZ2h0ZXIubGlic3luLmNvbS9yc3M?sa=X&ved=2ahUKEwi1vteAuvbsAhWPY80KHfZhDRIQ9sEGegQIARAC
WEBSITE and BLOG:
www.filighter.com
Facebook Group
Remember our Disclaimer: I want to remind each of our listeners that content in this podcast including any show notes or links, the Filighter Blog, and the Filighter Website are entirely educational or entertainment in nature and you should seek a professional for Tax, Investment, or Legal advice or otherwise. We are not Tax or Investment experts and are not in any way providing expert advice so please seek your own tax, legal, or other professional for advice and counseling. Filighter or its creators accept no responsibility or liability for any actions or activities you may take based on anything discussed on the website, podcast, postings, or comments.
FI-light-ER Episode 9 Show Notes:
Segment 1: Changing with the Times
Segment 2: Embracing Change
Segment 3: Surprise Content
BOOKS Mentioned:
JL Collins “Simple Path to Wealth” www.jlcollinsnh.com
Email:
lambothefilighter@gmail.com
FILIGHTER PODCAST LINKS:
FILIGHTER on APPLE
https://podcasts.apple.com/us/podcast/filighter-podcast/id1533365446
FILIGHTER on STITCHER
https://www.stitcher.com/search?q=FILIGHTER
FILIGHTER on SPOTIFY
https://open.spotify.com/show/6CFi5v1fTAv7IJ2yqrdJlc
FILIGHTER on GOOGLE
https://podcasts.google.com/feed/aHR0cHM6Ly9maWxpZ2h0ZXIubGlic3luLmNvbS9yc3M?sa=X&ved=2ahUKEwi1vteAuvbsAhWPY80KHfZhDRIQ9sEGegQIARAC
WEBSITE and BLOG:
www.filighter.com
Remember our Disclaimer: I want to remind each of our listeners that content in this podcast including any show notes or links, the Filighter Blog, and the Filighter Website are entirely educational or entertainment in nature and you should seek a certified professional for Tax, Investment, or Legal advice or otherwise. We are not Tax or Investment experts and are not in any way providing expert advice so please seek your own tax, legal, or other professional for advice and counseling. Filighter or its creators accept no responsibility or liability for any actions or activities you may take based on anything discussed on the website, podcast, postings, or comments.
1) Spending Analysis
2) Net Worth
3) Current Year Forecast
4) Annual Plan
5) Mid Term Plan
6) Life Plan
7) Social Security
SHOW NOTE LINKS:
Post 4.0 from the Filighter.com blog
Social Security – When was the last time you downloaded your social security earnings and estimated benefit statement? Go to https://www.ssa.gov/
Dave Ramsey’s, “The Total Money Makeover”
WEBSITE and BLOG:
www.filighter.com
Join the FILIGHTER Community as we explore Millennial Boomer relationships and pass the best lessons down to the Next Gen FI
Get mid-life traction on Financial Independence and make Early Retirement a real possibility
We pledge to bring our community actionable content and become a catalyst for your pursuit of Financial Independence!
Hosted by blogger Lambo the Filighter
Filighter website www.filighter.com
Filighter podcast https://podcasts.apple.com/us/podcast/filighter/id1533365446
Filighter Blog https://filighter.com/home/blog/
Facebook Page https://www.facebook.com/FIlightER
Remember our Disclaimer: I want to remind each of our listeners that content in this podcast including any show notes or links, the Filighter Blog, and the Filighter Website are entirely educational or entertainment in nature and you should seek a certified professional for Tax, Investment, or Legal advice or otherwise. We are not Tax or Investment experts and are not in any way providing expert advice so please seek your own tax, legal, or other professional for advice and counseling. Filighter or its creators accept no responsibility or liability for any actions or activities you may take based on anything discussed on the website, podcast, postings, or comments.
FI-light-ER Episode 7 Show Notes:
Post 10.0 from the Filighter.com blog:
Post 10.0 –> Three Lies You Tell Yourself about Your Finances – FIlightER.com
Post 8.0 from the Filighter.com blog:
Post 8.0 –> Just Do IT! Take Action to Build your Investment Confidence…Its AUTOMATIC! – FIlightER.com
The Ordinary Sherpa podcast link:
https://podcasts.apple.com/us/podcast/ordinary-sherpa-family-adventure-coaching-and-design/id1539255067
FILIGHTER PODCAST LINKS:
FILIGHTER on APPLE
https://podcasts.apple.com/us/podcast/filighter-podcast/id1533365446
FILIGHTER on STITCHER
https://www.stitcher.com/search?q=FILIGHTER
FILIGHTER on SPOTIFY
https://open.spotify.com/show/6CFi5v1fTAv7IJ2yqrdJlc
FILIGHTER on GOOGLE
https://podcasts.google.com/feed/aHR0cHM6Ly9maWxpZ2h0ZXIubGlic3luLmNvbS9yc3M?sa=X&ved=2ahUKEwi1vteAuvbsAhWPY80KHfZhDRIQ9sEGegQIARAC
WEBSITE and BLOG:
https://filighter.com/
Remember our Disclaimer: I want to remind each of our listeners that content in this podcast including any show notes or links, the Filighter Blog, and the Filighter Website are entirely educational or entertainment in nature and you should seek a certified professional for Tax, Investment, or Legal advice or otherwise. We are not Tax or Investment experts and are not in any way providing expert advice so please seek your own tax, legal, or other professional for advice and counseling. Filighter or its creators accept no responsibility or liability for any actions or activities you may take based on anything discussed on the website, podcast, postings, or comments.
Join the FILIGHTER Community as we explore Millennial Boomer relationships and pass the best lessons down to the Next Gen FI
Get mid-life traction on Financial Independence and make Early Retirement a real possibility
We pledge to bring our community actionable content and become a catalyst for your pursuit of Financial Independence!
Hosted by blogger Lambo the Filighter
Filighter website www.filighter.com
Filighter podcast https://podcasts.apple.com/us/podcast/filighter/id1533365446
Filighter Blog https://filighter.com/home/blog/
Facebook Page https://www.facebook.com/FIlightER
EPISODE SHOW NOTES:
For more from the Ordinary Sherpa, here are Heidi’s details :
The Ordinary Sherpa podcast link:https://podcasts.apple.com/us/podcast/ordinary-sherpa-family-adventure-coaching-and-design/id1539255067
Website:https://ordinarysherpa.com/
Instagram:https://www.instagram.com/ordinarysherpa/
Facebook Group: https://www.facebook.com/groups/ordinarysherpa
email: Heidi@ordinarysherpa.com
Join the FILIGHTER Community as we explore Millennial Boomer relationships and pass the best lessons down to the Next Gen FI
Get mid-life traction on Financial Independence and make Early Retirement a real possibility
We pledge to bring our community actionable content and become a catalyst for your pursuit of Financial Independence!
Hosted by blogger Lambo the Filighter
Filighter website www.filighter.com
Filighter podcast https://podcasts.apple.com/us/podcast/filighter/id1533365446
Filighter Blog https://filighter.com/home/blog/
Facebook Page https://www.facebook.com/FIlightER
============================
Show notes: Episode 5:
AARP Article by Linda Stern
The 5 Best Financial Resolutions for 2021 (aarp.org)
Tversky and Kahneman originally described “Prospect Theory” in 1979:
Prospect theory - Wikipedia
Federal Reserve Stress Test post financial crisis:
Lessons from the Crisis Stress Tests - Federal Reserve Board
JL Collins “Simple Path to Wealth”
www.jlcollinsnh.com
Join the FILIGHTER Community as we explore Millennial Boomer relationships and pass the best lessons down to the Next Gen FI
Get mid-life traction on Financial Independence and make Early Retirement a real possibility
We pledge to bring our community actionable content and become a catalyst for your pursuit of Financial Independence!
Hosted by blogger Lambo the Filighter
Show Notes: Episode 4
Theology of Work 10th Commandment
“You Shall Not Covet … Anything That Belongs to Your Neighbor” (Exodus 20:17; Deuteronomy 5:21) | Bible Commentary | Theology of Work
Filighter website www.filighter.com
Filighter podcast https://podcasts.apple.com/us/podcast/filighter/id1533365446
Filighter Blog https://filighter.com/home/blog/
Facebook Page https://www.facebook.com/FIlightER
Join the FILIGHTER Community as we explore Millennial Boomer relationships and pass the best lessons down to the Next Gen FI
Get mid-life traction on Financial Independence and make Early Retirement a real possibility
We pledge to bring our community actionable content and become a catalyst for your pursuit of Financial Independence!
Hosted by blogger Lambo the Filighter
Filighter website www.filighter.com
Filighter Blog https://filighter.com/home/blog/
Facebook Page https://www.facebook.com/FIlightER
============================
Show Notes, Ep 3
Filighter.com Website Posts Mentioned:
Post 4.0 –> Covid-19 Personal Finance Silver Linings…and Homework Assignments (Seven steps on your path to FI)
https://filighter.com/post-4-0-covid-19-personal-finance-silver-liningsand-homework-assignments-seven-steps-on-your-path-to-fi/
BOOKS Mentioned:
JL Collins “Simple Path to Wealth” www.jlcollinsnh.com
filighter.com
Join the FILIGHTER Community as we explore Millennial Boomer relationships and pass the best lessons down to the Next Gen FI
Get mid-life traction on Financial Independence and make Early Retirement a real possibility
We pledge to bring our community actionable content and become a catalyst for your pursuit of Financial Independence!
Hosted by blogger Lambo the FI-light-ER
Filighter website www.filighter.com
Filighter podcast https://podcasts.apple.com/us/podcast/filighter/id1533365446
Filighter Blog https://filighter.com/home/blog/
Facebook Page https://www.facebook.com/FIlightER
============================
LINKS mentioned in Episode 2 - Market Timing and Opportunity Cost
BLOG Posts in order mentioned:
FILIGHTER Post 5.0 The million-dollar impact of car purchases on your path to FI
https://filighter.com/post-5-0-mind-the-gap-discover-the-secret-turbocharger-to-your-early-retirement/
FILIGHTER Post 7.0 Asset Allocation and Diversification
https://filighter.com/post-7-0-two-portfolio-considerations-for-today-and-always/
FILIGHTER Post 6.0 Stick to your Investment Strategy and Market Timing is a losing game
https://filighter.com/post-6-0-four-ways-the-covid-19-market-drop-and-recovery-made-you-a-better-investor/
BOOKS Mentioned:
JL Collins “Simple Path to Wealth” www.jlcollinsnh.com
Vicki Robin and Joe Dominguez “Your Money or Your Life” https://vickirobin.com/books/your-money-or-your-life/
Join the FILIGHTER Community as we explore Millennial Boomer relationships and pass the best lessons down to the Next Gen FI
Get mid-life traction on Financial Independence and make Early Retirement a real possibility
We pledge to bring our community actionable content and become a catalyst for your pursuit of Financial Independence!
Hosted by blogger Lambo the Filighter
Let's Clear Your Path to Financial Independence!
filighter.com
Episode 1 FILIGHTER Podcast Show Notes:
Lambo the FI-light-ER
Filighter website www.filighter.com
Filighter Blog https://filighter.com/home/blog/
Facebook Page https://www.facebook.com/FIlightER
============================
Mr. Money Mustache aka Peter Adeney
www.mrmoneymustache.com
and 4% rule:
www.mrmoneymustache.com/2012/05/29/how-much-do-i-need-for-retirement/
Dave Ramsey Total Money Makeover:
https://www.daveramsey.com/store/product/the-total-money-makeover-book-by-dave-ramsey
“The Millionaire Mind” by Thomas J. Stanley, Ph.D. (also an author of “The Millionaire Next Door”)
https://www.amazon.com/Millionaire-Mind-Thomas-J-Stanley/dp/0740718584
“Stop Acting Rich: …And Start Living Like A Real Millionaire” also by Stanley
https://read.amazon.com/kp/embed?asin=B002OJIBN8&preview=newtab&linkCode=kpe&ref_=cm_sw_r_kb_dp_gnJNFbTMQ4QZ6
ESI Money www.esimoney.com with three easy steps, Earn Save and Invest
The Financial Samurai www.financialsamurai.com founded by Sam Dogen
Michael Kitces www.kitces.com where he writes the Nerd’s Eye View blog
Afford Anything www.affordanything.com created by Paula Pant
Stacking Benjamins www.stackingbenjamins.com
Choose FI www.choosefi.com
The Mad FIentist www.madfientist.com created by Brandon
Bigger Pockets www.biggerpockets.com/moneyshow
JL Collins “Simple Path to Wealth” www.jlcollinsnh.com
Join the FILIGHTER Community as we explore Millennial Boomer relationships and pass the best lessons down to the Next Gen FI
Get mid-life traction on Financial Independence and make Early Retirement a real possibility
We pledge to bring our community actionable content and become a catalyst for your pursuit of Financial Independence!
Hosted by blogger Lambo the Filighter
filighter.com