The Struggle is Real: Financial Independence Strategies for Young Adults
Hosted by Justin and Justin Peters · Justin Peters - Financial Independence Podcast Host & Educator
4.9from 178 ratings
- 209
- Episodes
- 73
- Transcribed
- 178
- Ratings
- Daily
- Cadence
- 2020
- First episode
About The Struggle is Real: Financial Independence Strategies for Young Adults
Pursuing financial independence, financial freedom, or early retirement often leads to the same questions: How do I become financially independent? How much should I save? What happens after I reach FI? FI Minded helps you use money to create more freedom, without turning your entire life into a financial optimization project. Host Justin Peters explores the decisions behind building a flexible, work-optional life, from reaching financial independence and navigating Coast FI and Slow FI to spending your money, changing careers, stepping away from work, and figuring out what comes after FI. Each episode combines practical personal finance with conversations about early retirement, lifestyle design, work, spending, healthcare, self-employment, and life after financial independence. The goal isn't simply to reach FI as quickly as possible. It's to make progress toward financial freedom while actually enjoying your life along the way. On FI Minded, you'll learn how to: - Reach financial independence without burning out - Build a flexible, work-optional lifestyle - Navigate Coast FI, Slow FI, and other paths to FI - Make smarter decisions about spending and saving - Prepare financially and emotionally for early retirement - Figure out what life can look like after financial independence - Think through the tradeoffs behind major money and lifestyle decisions - Make progress toward financial independence while actually living your life. Some of our past guests include Carl Jensen (1500 Days), Jeremy Schneider (Personal Finance Club), Nick Loper (Side Hustle Show), Andrew Giancola (The Personal Finance Podcast), Jordan Grumet (Earn & Invest), Rachael Camp (Work Optional), Jillian Johnsrud (Retire Often), Sean Mullaney (FI Tax Guy), Jill Sirianni (Frugal Friends), Jackie Cummings-Koski (Catching Up to FI), Joel Larsgaard (How to Money), Cody Garrett (Measure Twice), Jesse Cramer (Personal Finance for Long-Term Investors), Jess (The Fioneers), Chris Hutchins (All The Hacks), Diania Merriam (EconoMe), Andy Hill (Marriage Kids Money), Fritz Gilbert (Retirement Manifesto), Maggie Tucker (Inside Out Money), Cody Berman (The Financial Independence Show), Joe Saul-Sehy (Stacking Benjamins), Doug Cunnington (Mile High FI), and and others helping you rethink how to approach financial independence.
- Publisher
- Justin Peters - Financial Independence Podcast Host & Educator
- Category
- business · business · education
- Language
- en
- Explicit
- Yes
- First episode
- 27 Jan 2020
- Latest episode
- 7 Oct 2026
Latest episodes
73 of 209 episodes have a transcript.
7 Oct 2026TRANSCRIPT
Should You Become Less Frugal as You Get Closer to FI? | E207 Jill Sirianni, Frugal Friends
23 Sept 2026TRANSCRIPT
3 Retirement Withdrawal Strategies for Early Retirees | E206 Rachael Camp
9 Sept 2026TRANSCRIPT
The Missing Piece of the FIRE Formula | E205 Brian Herriot
Inside a recent episode
Should You Become Less Frugal as You Get Closer to FI? | E207 Jill Sirianni, Frugal Friends
Published 7 Oct 2026 · Transcript excerpt
[…] Versus we are now getting closer to FI or we are at FI. And now we've kind of trained ourselves into not spending money. And it's become such a habit that, but yet our needs have shifted. So now a $40 is maybe like 0.0001% of our net worth. We can absolutely do that. It doesn't have as big of an impact as it used to have. And that may be really valuable to us. Like, what is it creating space for for us to be able to get that $40 takeout? What does that mean for my relationship with my family for today? or what it allows me to take on as a creative endeavor, or maybe the business that I'm still growing. […]
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See plansWho has been a guest on The Struggle is Real: Financial Independence Strategies for Young Adults
Names identified in recent episode analyses. Showing up to five guests.
- Jill Sirianni
- Rachael Camp
- Brian Herriot
- Maggie Tucker
- Cody Berman
Reach and audience
Public platform figures. Ratings count people who left a rating, not total listeners.
- Apple Podcasts (US)
- 4.9 / 5
- 106 ratings
- Spotify
- 5.0 / 5
- 72 ratings
Podcast Authority Score: 62 / 100
A composite of feed quality, social presence, YouTube performance and engagement. Read the methodology.
- Quality
- 87
- Social presence
- 0
- YouTube
- 0
- Engagement
- 92
Contact The Struggle is Real: Financial Independence Strategies for Young Adults
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- Books guests
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Questions about The Struggle is Real: Financial Independence Strategies for Young Adults
Who hosts The Struggle is Real: Financial Independence Strategies for Young Adults?
Justin and Justin Peters host the show. Published by Justin Peters - Financial Independence Podcast Host & Educator.
How often do new episodes come out?
The show publishes daily, based on its RSS feed.
Does The Struggle is Real: Financial Independence Strategies for Young Adults take guests?
Yes. Guests have been identified in episode analyses.
Where can I read transcripts?
73 of 209 episodes have a transcript on Pod Engine. Full transcripts are available with a Pod Engine plan.
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