Friends on FIRE

Friends on FIRE 🎤On a mission to get friends to talk about money
🔥On our own FIRE journeys and you can’t stop us 🧯
Hosted 2 friends on FIRE --> Mike + Maggie
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November spending recap (scroll for details). This was our first full month doing expense tracking via , and it’s so muc...
12/10/2023

November spending recap (scroll for details). This was our first full month doing expense tracking via , and it’s so much easier to view and pull a spending recap to share publicly. We spent $9,733 in November, some commentary on the month:

🏐Kids club volleyball fees made this our biggest expense category.

✈️We bought 5 tickets to Australia for next summer with the kiddos and used miles for 4 tickets and then purchased the 5th ticket for $1600. That plus fees is the second biggest expense for the month.

🌮 We spent 1.5 weeks in Portugal during November and so grocery bill was lower because of that and we track travel food separately.

👖👟Greg and I both did some clothing shopping in Portugal. We tend to shop more when we’re traveling. Its a good memory of that location, different countries have different shoe and clothing styles that are often unqiue vs what I can get in the US, and we have the time. All things we’re using and appreciating!

🍃Our lawn care is about $130 per month ($65 per service, every other week), but I was paying for Oct and Nov at once and 5 payments landed in that period.

…Then lots of other stuff. I do see some things we can curb back a bit on, mainly streaming services. I usually don’t keep too many on at once, but right now things are a bit off and we need to cleanup.

I love tracking my expenses. It just allows me to feel in control of what’s happening with my money and I am more mindful and intentional with my spending.

Oh, and we’re a blended family of 5 living in Atlanta, GA. And we’ve paid off our mortgage, otherwise that would be our most expensive expense category.

How does this compare to your expenses? I find it fascinating to hear what others are spending.

I feel VERY STRONGLY that all business/marketing/corporate resumes should only be 1 page long, and here are 6 reasons wh...
11/28/2023

I feel VERY STRONGLY that all business/marketing/corporate resumes should only be 1 page long, and here are 6 reasons why. I did a quick story poll today, and it seems 61% of you agree with me. And though I feel strongly, I love hearing other people’s opinions on this topic, so let me know what you think about resumes in the comments 👇

Hello! 👋 - A quick intro post for some of you who may be new here, or maybe some fun new fact if you’ve been around a wh...
11/19/2023

Hello! 👋 - A quick intro post for some of you who may be new here, or maybe some fun new fact if you’ve been around a while. I’m so glad you’re here! I am Maggie, and some things about me…

🤗 I early retired after 20 years in Corporate America in 2022. I did it on the same day as my husband. I was 41; he was 43. We are slowly adjusting to our newfound freedom and haven’t once looked back.

🎤I co-host a podcast called that launched in 2023. Prior do that, I co-hosted the friends on FIRE podcast for 3 years and 200 episodes. You can check out both wherever you listen to podcasts.

👩‍❤️‍👨🧍‍♀️🧍‍♀️🧍‍♀️I am married to an awesome human being named Greg, and we have 3 kids. We’re both previously divorced and have a blended family of 3 girls (11,12, and 15).

💰I got to early-retirement thru living well below my means for a long time. I spent less than I made, and saved and invested the difference. We’ve paid of our mortgage and our annual cost of living ranges $80-100k per year.

🏃‍♀️My hobbies include running, talking about money, talking about how to save money, reading, traveling, pickleball, hiking/being outside, minimizing and organizing things, cooking sourdough bread, and much much more. I am super curious and love trying out new things.

✈️ We love to travel and also take our kids on cool trips. It’s a big intentional and priority spending area for us. I had never left the US until I was 28, but since then I’ve been busy. We’ve taken our 3 kids to 10+ countries, and we’ve been to another 10+ without them.

🌱I’m vegan, along with my husband. Though we will swing vegetarian when traveling outside the US and/or if it’s a baked good someone made me. Veganism inspired 8+ years ago by …And you can talk about meat or eat it in front of me, not at all bothered. You do you.

Comment and introduce yourself and tell me where you live 👇📍

Just a reminder I’m officially retiring any active posting from the friends on FIRE Facebook account and will be transit...
07/18/2023

Just a reminder I’m officially retiring any active posting from the friends on FIRE Facebook account and will be transitioning over to Inside Out Money page - give it a follow if you want to keep up with the new podcast or me! Thanks for all of the 🎤❤️ and support!

https://www.facebook.com/insideoutmoneypod

Well, friends… it’s been an awesome ride over the last 3.5 years, but as many of you know, friends on FIRE is retiring w...
05/07/2023

Well, friends… it’s been an awesome ride over the last 3.5 years, but as many of you know, friends on FIRE is retiring week, and I am launching a new podcast. In prep for that, this account will be transitioning over to that new name. I hope you’ll continue to follow and see what’s ahead. Thank you for all of your support and ❤️ over the years!

In this week’s episode, we talk about travel hacking and focus on how you can best use and maximize all the points you’v...
10/10/2022

In this week’s episode, we talk about travel hacking and focus on how you can best use and maximize all the points you’ve earned through travel hacking. Sneak peek 👉 Travel hacking is a fun and lucrative activity if you know learn how to do it right. We discuss our personal strategies and experiences for redeeming points and miles and share advice on how to search and make decisions for using your own points to book travel. We also share an update on our 2022 goal to earn 1 million hotel and airline points through credit card travel hacking.
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You can find this episode anywhere you listen to podcasts. Please listen, subscribe, + leave us a review 🎧 💻👍.

In this week’s episode, we get chatty with Liz from , the money kind of loaded. Sneak peek 👉Liz describes herself as som...
10/05/2022

In this week’s episode, we get chatty with Liz from , the money kind of loaded. Sneak peek 👉Liz describes herself as someone who likes to drink wine, spend money, and max out her tax-advantaged accounts. She started with a very pretty financial spreadsheet and then created an Instagram account to connect with other personal finance nerds, and now she has over 13K followers, a podcast, and a blog. Ultimately she enjoys nerding out about money with smart people, so that’s what we had the pleasure to do with Liz.
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You can find this episode anywhere you listen to podcasts. Please listen, subscribe, + leave us a review 🎧 💻👍

I love this quote from The Minimalist Home 📖 by . I believe we could all use this reminder from time to time. Spend your...
09/25/2022

I love this quote from The Minimalist Home 📖 by . I believe we could all use this reminder from time to time. Spend your money on things that make you happy and not to impress anyone else. Most of the people you will encounter are too focused on themselves to care deeply about you and what you’re wearing or what you own, and for those who do care… are those the friends you want? We also talk about this in more detail in episode 95 🎤 How to stop caring what people think and start living.
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Follow .onfire for more tips where minimalism and managing your money meet!

We’re in vacation mode and a bit behind on posting about episodes, but in last week’s episode we talk about how amazing ...
07/15/2022

We’re in vacation mode and a bit behind on posting about episodes, but in last week’s episode we talk about how amazing public libraries are! They are so amazing we even visit them while traveling. Here are some pics from when we visited the Amsterdam public library a few weeks ago. Sneak peek from the episode 👉 We’re already paying for the services of public libraries via our tax dollars, and they offer a surprising volume of services and amenities that many of us aren’t familiar with. We share a long list of all of the surprising and not so surpassing amenities and services you can get from your public library, along with some general tips for best utilizing them.
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What’s your favorite thing about public libraries or any fun tips to share?👇
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You can find this episode anywhere you listen to podcasts. Please listen, subscribe, + leave us a review 🎧 💻👍.

On this week’s episode we talk about public libraries!  I ❤️ my public library, and public libraries everywhere!  I enco...
07/06/2022

On this week’s episode we talk about public libraries! I ❤️ my public library, and public libraries everywhere! I encourage you all the rediscover your local public library. Walk inside, register for your free library card, talk to the librarian about what the library offers, and enjoy all of those awesome services and benefits!
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What do you love most about your public library?

In this episode, we interview Diandra from . Sneak peek 👉 Diandra and her husband Bradley are a plant-based 30-something...
07/02/2022

In this episode, we interview Diandra from . Sneak peek 👉 Diandra and her husband Bradley are a plant-based 30-something couple living in Wisconsin. Brad has a masters in Environmental Biology, and Diandra is a PDH student in nutritional sciences and has a passion for evidence-based nutrition. We talk with Diandra about evidence-based science, nutrition advice for long-term health, lifestyle medicine, personal finance, minimalism, sustainable living, and more!
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Got any other questions you want to ask some really smart people (not us, )?👇
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You can find this episode anywhere you listen to podcasts. Please listen, subscribe, + leave us a review 🎧 💻👍.

Cell phones can be expensive, but they don’t need to be!  Tons of cell phone providers now offer high quality plans on t...
06/30/2022

Cell phones can be expensive, but they don’t need to be! Tons of cell phone providers now offer high quality plans on the major networks at a fraction of the cost. If you’re paying more than $25, we think you’re paying too much! We cover this in more detail in recent episode 147 🎤
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Maggie and her entire family recently switched to Visible. $25 a month on Visible includes a plan on Verizon’s network (they are owed by Verizon).
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If you use Maggie’s referral link (in our profile, click on links) you’ll get your first month for only $5!! And after that each month will be $25 flat! You have to join “party pay” for that price, but it literally takes one click after you sign-up to do that (there are community parties anyone can join).
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With that price comes:
✅Unlimited data talk and text
✅Unlimited mobile hotspot
✅Calling and texting to Canada and Mexico
✅No annual contract and no activation fee
✅Powered by Verizon
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The only downside to this carrier and plan is they don’t offer international coverage, but for the average person in the US this plan gives them everything they need, and there are other options for when you’re traveling. We’re traveling for 6 weeks in Europe and it’s not an issue at all - I’m using wifi most of the time and an international SIM card powered hotspot when we’re on the go and need some data.
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Check out the referral code in our profile for $5 for your first month! We ❤️ visible! And we ❤️ saving money!

In this week’s episode, Mike does a 6-week check-in on early retirement with Maggie and Greg. Sneak peek 👉 Maggie and Gr...
06/26/2022

In this week’s episode, Mike does a 6-week check-in on early retirement with Maggie and Greg. Sneak peek 👉 Maggie and Greg are enjoying early retirement; they are being even more active, sleeping better, and feeling the benefits of more margin in their lives.  They share their observations and insights in these early weeks, from the impact of less structure, feelings of being untethered, where their time is going, and their optimism for the future. 
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You can find this episode anywhere you listen to podcasts. Please listen, subscribe, + leave us a review 🎧 💻👍.

One of the many things we discussed in this week’s podcast is the realization that work provides a sense of structure in...
06/24/2022

One of the many things we discussed in this week’s podcast is the realization that work provides a sense of structure in our lives, and without it, we feel untethered. It’s a new feeling to digest and pivot our lives around.
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Have you ever felt untethered, and how did you handle it? Asking for a friend 😆

Happy Father’s Day to Greg and Mike, and all the dads out there!  We appreciate all that you do for us.  And an extra sp...
06/20/2022

Happy Father’s Day to Greg and Mike, and all the dads out there! We appreciate all that you do for us. And an extra special shout out to our dad’s… Mike’s dad retired at 42, inspired the path we’re all on now, and has been on the podcast episode 78 and 141 if you want to hear more from him. My dad passed away about 9 years ago, but before then he taught me everything and that I can do anything; I miss you tons!

Celebrating and recognizing Juneteenth today! We talk a lot about financial freedom on this account and in our podcast, ...
06/19/2022

Celebrating and recognizing Juneteenth today! We talk a lot about financial freedom on this account and in our podcast, but can you even begin to imagine not having ANY of your freedoms? Well, that was once a reality for Black Americans, and not that long ago. It’s a piece of American history I’m not proud of, but it’s something we need to recognize and learn from so we never repeat it. Juneteenth commemorates the emancipation of enslaved African Americas and marks the anniversary of the announcement on June 19, 1865, proclaiming freedom for enslaved people in Texas. This date has been celebrated for years and became a federal holiday last year.
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Please take a moment today to appreciate your freedoms and celebrate the freedoms people before us have fought for.

In this episode, we answer a bunch of recent listener questions. Sneak peek 👉 We answer questions on partying off your m...
06/19/2022

In this episode, we answer a bunch of recent listener questions. Sneak peek 👉 We answer questions on partying off your mortgage versus saving more into a 529 for college, if now is the right time to put money into the market, how much money to keep in a cash emergency fund, and how to balance income while planning for early retirement. We then discuss how to breakup with your financial advisor.
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Got any other questions
you want to ask?👇
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You can find this episode anywhere you listen to podcasts. Please listen, subscribe, + leave us a review 🎧 💻👍.

I love a good sale.  If you’re worried about the market being down, remind yourself this is a long term play, and that s...
06/13/2022

I love a good sale. If you’re worried about the market being down, remind yourself this is a long term play, and that stocks are essentially “on sale” today. I’m buying some VUG today. It’s 30% down YTD! And do I believe Facebook, Apple, Amazon, Microsoft, Google, Tesla, etc will recover!? Yes, I do. And I put in a limit order because once taught me “market orders are for suckers” 😂

In this episode, we give a refresher on travel hacking and share an update on our 1 million point goal this year. Sneak ...
06/12/2022

In this episode, we give a refresher on travel hacking and share an update on our 1 million point goal this year. Sneak peek 👉 The power of travel hacking comes from the sign-up bonuses, not from normal spend. We’ve signed up for 9 different credit cards this year for a total of 800K+ points and miles. We share how our traveling hacking is helping to fund our summer travel adventures.
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What fun travel do you have planned this summer?👇
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You can find this episode anywhere you listen to podcasts. Please listen, subscribe, + leave us a review 🎧 💻👍.

Spend less.  Live more.  It’s a simple statement, but it means so much.  The less you spend, the more you can create fin...
06/09/2022

Spend less. Live more. It’s a simple statement, but it means so much. The less you spend, the more you can create financial freedom to live more. That might sound illogical to some people; you may think you need to spend money to have a great life. Sometimes you do! And sometimes you don’t! It’s all about tradeoffs and spending based on your priorities and values.
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We created a new sticker to remind you to spend less and live more. It’s available in our Etsy store if you’re interested in getting one.
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And let’s do a fun giveaway! If you’d like a FREE sticker, leave us a comment below with how you’re spending less and living more, and we will draw this weekend for a couple of winners.

I am debt free now, but if I add up my mortgage, car loans, student loans, and MBA loans, I’ve paid off a whopping $850k...
06/01/2022

I am debt free now, but if I add up my mortgage, car loans, student loans, and MBA loans, I’ve paid off a whopping $850k in debt over the last 20 years. That’s a lot!
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It took discipline and hard work. It took aggressively paying off the debt I had, while also choosing to not take on new debt. It took sacrificing things and choosing to pay off my debts versus doing other things with this money. It took a mindset of wanting to be debt free. And it paid off. It feels great to be debt free. It’s a true feeling of freedom and having options in life.

In this episode, we discuss simple and fun strategies for paying off debt. Sneak peek 👉 We often hear about good vs. bad...
05/31/2022

In this episode, we discuss simple and fun strategies for paying off debt. Sneak peek 👉 We often hear about good vs. bad debt, but don’t be fooled by companies trying to sell you loans. Almost all debt is bad, and if you are stuck with it, you should work hard to pay it off quickly. We share strategies for picking which debt you pay back first and ideas for making paying off your debt fun!
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What’s your best tip for making paying off debt a little more fun?👇
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You can find this episode anywhere you listen to podcasts. Please listen, subscribe, + leave us a review 🎧 💻👍.

I’m starting to “feel retired” now.  A few times this week I’ve legitimately forgotten what day of the week it is. And j...
05/28/2022

I’m starting to “feel retired” now. A few times this week I’ve legitimately forgotten what day of the week it is. And just now I was looking at my calendar for something, realized it’s Friday night, and was like “oh, cool.” The days have such different meanings now… a day is just a day, it’s more about what I might have going on that day. One specific day of the week over another doesn’t illicit certain emotions or feelings. I think this might be what freedom feels like 🤷‍♀️
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But now that I checked my calendar I’m not aware it’s Friday, so I hope you all have a fantastic weekend!

In this week’s episode, we discuss the recent volatility and decline in the stock market. Sneak peek 👉 It’s been a wild ...
05/24/2022

In this week’s episode, we discuss the recent volatility and decline in the stock market. Sneak peek 👉 It’s been a wild ride in 2022! With a dramatic pullback from recent stock market highs, it can be stressful to watch your investments. We discuss some of the reasons behind the declines and share some advice on how to handle bad news and make sure you make solid decisions with your investments.
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How are you feeling about the stock market lately and what advice can you share!?👇
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You can find this episode anywhere you listen to podcasts. Please listen, subscribe, + leave us a review 🎧 💻👍.

This quote is spot on.  We buy groceries regularly.  We buy them for sustenance and sometimes a little extra splurge whe...
05/23/2022

This quote is spot on. We buy groceries regularly. We buy them for sustenance and sometimes a little extra splurge when we have the money. We don’t buy it once a year on emotions or whim of a decision because we like the smell of something. The grocery comparison is akin to dollar cost averaging.
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Ben Graham was a British-born American economist, professor, and investor. He is widely known as the "father of value investing" and wrote The Intelligent Investor. Warren Buffet described the The Intelligent Investor as “by far the best book on investing ever written.” I’ve never read it, but it’s on my hold list.
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The stock market has been pretty wonky lately and down 20-30%+ in 2022. We discuss this recent decline on today’s new podcast and, more importantly, what you should do as a result!

In this week’s episode, Mike interviews Greg and Maggie about their last week of work and the first week of retirement. ...
05/22/2022

In this week’s episode, Mike interviews Greg and Maggie about their last week of work and the first week of retirement. Sneak peek 👉 Greg and Maggie share how they initially gave their notice at work, then dig into more recent happenings of how their last week wrapped up and how they each felt. This episode was recorded four days into their retirement; they share their feelings in the early days of being retired, which might surprise many people.
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Just for fun, share ONE EMOJI that represent how you’d be feeling your first week into retirement!?👇🤯
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You can find this episode anywhere you listen to podcasts. Please listen, subscribe, + leave us a review 🎧 💻👍.

I’m in full repair mode, not repeat mode.  Hence less social media, more real life social.  And I know people are curiou...
05/18/2022

I’m in full repair mode, not repeat mode. Hence less social media, more real life social. And I know people are curious about this journey, so trying to post some here and there when it’s convenient and not intrusive. Many people have asked how we’re doing; check out this week’s podcast for a proper update on all the feelings!
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In this episode, we discuss the concept of fear related to money and early retirement specifically. Sneak peek 👉 This di...
05/09/2022

In this episode, we discuss the concept of fear related to money and early retirement specifically. Sneak peek 👉 This dicussion is based on a talk Maggie gave at .togetherwefi and we dig into a discussion on fear and courage.  We talk about what we’re afraid of, define fear, share the good and bad sides of fear, and discuss 8 ways you can conquer your financial fears.
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It’s a fitting discussion to kick-off Maggie’s first week of early retirement.

Tomorrow is our last day of work.  We’ve actually both got a lot to get done tomorrow, but we know what’s waiting on the...
05/06/2022

Tomorrow is our last day of work. We’ve actually both got a lot to get done tomorrow, but we know what’s waiting on the other side, so we are highly motivated. There’s so many feelings and thoughts to share. We’re going to record an episode next week where Mike interviews us and we will get into our last week of work and first week of retirement, so stay tuned for that soon.
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Our co-workers are all showing us lots of love this week, and it reminds us of the friendships and relationships at work. We will miss those the most!

In this week’s episode, we share ideas for how everyone can save money on their cell phone bill 📱.  Sneak peek 👉 Most pe...
05/02/2022

In this week’s episode, we share ideas for how everyone can save money on their cell phone bill 📱. Sneak peek 👉 Most people can get unlimited cell phone cover in the United States for under $30 a month, so if you’re paying more than that, we challenge you to rethink what you need and consider switching cell phone providers. We talk through how to decide what you need from a cell phone plan, the difference in pre-paid versus traditional plans, specific carriers we recommend, how they price their plans, and how to approach coverage while traveling internationally.
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Are you paying more than $30 a month for your cell phone bill? If so, give this episode a listen! And you’re already paying under $30, drop in the comments who you’re using and what you love about them👇
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You can find this episode anywhere you listen to podcasts. Please listen, subscribe, + leave us a review 🎧 💻👍.

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