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BiggerPockets Money Podcast Archive
Every episode of the BiggerPockets Money Podcast, from the beginning of time. Thank you for listening, and for coming to our website!
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Tax Loss Harvesting: How to Make Losing Money Work in Your Favor
Let’s be honest: very few people find joy in losing money. But what if losing money in one place could actually save you money somewhere else? That’s the peculiar magic of tax loss harvesting, a strategy that sounds like something a medieval wizard would do with a scythe and a spreadsheet, but is actually a…
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Sequence of Return Risk Isn’t Just a Retirement Problem
If you’ve spent any time in the Financial Independence community, you’ve probably heard about sequence of returns risk. It’s one of those phrases that gets thrown around a lot, usually in the context of retirement withdrawals and why you shouldn’t retire into a market crash. The basic idea is simple: the order in which you…
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Chapter Five: Income Boosting Strategies (Or: How to Run Faster Toward the Finish Line)
Cutting expenses moves the finish line closer. Increasing income makes you run faster. The fastest FIRE journeys usually involve some combination of both, but income growth deserves special attention because it has far fewer hard limits. There’s only so much you can cut from a budget before quality of life starts to suffer. You need…
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Stop Waiting for the Perfect Moment: The Case Against Dollar Cost Averaging Into the Market
When you have a large sum of money ready to invest, conventional wisdom says to ease in slowly. The data says otherwise. Let’s say you’ve just sold a house, received an inheritance, or accumulated years of savings sitting in cash. You have $200,000 – maybe more – and you’re ready to put it to work…
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Everything You Need to Know About Roth Conversions
A Roth conversion is one of the few levers available to materially reduce lifetime taxes after high-earning years are behind you. Used thoughtfully, it is not just a tax tactic but a multi-year income engineering strategy. Used carelessly, it can trigger avoidable taxes, Medicare surcharges, and lost subsidies. For many households approaching financial independence, Roth…
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Chapter Four: Expense Reduction Strategies (Or: Where the Big Wins Actually Live)
If FIRE had a fast-forward button, it would be reducing expenses. Not because cutting expenses is glamorous. (It’s not.) Not because it’s fun to track every dollar. (Also not.) But because expense reduction works immediately, it’s available to almost everyone, and – as we covered in Chapter Three – it pulls double duty in a…
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Chapter Three: The Four Principles That Actually Matter
If FIRE had a secret formula, this would be it. No hacks. No shortcuts. No “weird tricks that financial advisors don’t want you to know about.” Just four principles that work together whether you like them or not. Achieving Financial Independence rests on lowering expenses, increasing income, investing wisely, and optimizing taxes. You don’t need…
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How Much Cash Should You Hold Before Early Retirement?
If you spend enough time in the Financial Independence community, you will notice that we love optimization. We optimize our tax strategies, our investment allocations, our travel rewards cards, and occasionally our grocery store routes. We are not casual about money. We are intentional. And yet, there is one area where even the most spreadsheet…
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This Week in Money: What the Headlines Mean for Your FI Journey
Every week, the financial news cycle churns out a fresh batch of stories designed to make you feel like you need to do something. Buy this. Sell that. The economy is great! The economy is terrible! AI is going to save us all! AI is going to destroy everything! Most of it is noise. But…
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Chapter Two: How Long Is This Going to Take?!?
This is the question everyone asks approximately five minutes after learning what FI is. How long is this going to take? The frustrating and honest answer is: it depends. The encouraging answer is: it depends far less on your income than most people think. (And way more on something you can actually control.) The single…