FIRE Psy Chat
My mission is to help people achieve financial independence and retire early. My channel contains educational content on your 401(k), Roth IRA, and TSP. If you want to retire early, you have to take control of your finances now!
My financial independence journey began in 2014 when I realized how broke I was. I lived way above my means and was in over my head with $110k in debt. I completed my debt-free journey in 2 years by the age of 30. I discovered the Financial Independence and Retire Early (F.I.R.E.) movement and saved 60-70% of my gross income.
I became a financial coach to help millions of Americans get out of debt, create a budget, and achieve financial freedom. I started my YouTube channel in 2021 to share my progress in F.I.R.E. I have a website to offer my financial coaching services, free spreadsheets, and personal finance calculators. I hope you find my experience helpful in starting your F.I.R.E. journey.
FIRE Psy Chat
How are you planning to deal with future RMDs?
See why having too much money in a 401(k) or IRA can backfire — and how RMDs quietly turn into a massive tax problem later: https://youtu.be/vbTTPAiwMv0
22 hours ago | [YT] | 8
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FIRE Psy Chat
No video today for the holiday! Side note: If I didn't start a finance channel, I would've started a food channel. I love trying new food and smoking meat on the weekends.
This is at Omakase. I'm a sushi lover, and this is one place I would highly recommend in San Francisco. I'm not sponsored by them. I just want to give them a quick shoutout. www.omakasesf.com/
Saving and investing are important—but so is learning how to spend. Money isn’t meant to just sit there. If you only hoard it, you risk missing out on life. When you spend in ways that match your values, it’s not wasteful—it’s purposeful. The goal isn’t just to build wealth, it’s to actually enjoy it.
4 days ago | [YT] | 45
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FIRE Psy Chat
Would you ever take a 401(k) or TSP loan?
See when a TSP loan actually makes sense — and when it quietly costs you years of retirement growth: https://youtu.be/Z_AH1Abyg0Q
5 days ago | [YT] | 13
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FIRE Psy Chat
What confused you most about Social Security taxes?
See why Social Security is still taxed in 2026 — and how the “Senior Bonus” really works under the One Big Beautiful Bill: https://youtu.be/1wk1QyYnpxE
1 week ago | [YT] | 13
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FIRE Psy Chat
Are you a W-2 employee or a 1099 contractor?
See every tax form you need for this tax season — and which missing form could trigger IRS notices, penalties, or delays: https://youtu.be/28rlm0ngPGY
1 week ago | [YT] | 15
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FIRE Psy Chat
What is your TSP balance now in 2026?
See how I’d invest in the TSP in 2026 at every balance — from starting at zero to managing $1 million without blowing it up: https://youtu.be/fzvPjnUJU8Y
1 week ago | [YT] | 11
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FIRE Psy Chat
What part of the Backdoor Roth IRA is hard to understand?
2 weeks ago | [YT] | 14
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FIRE Psy Chat
What worries you most about retiring overseas?
See the 6 things you must plan before retiring overseas in 2026 — from healthcare and taxes to money access and visas: https://youtu.be/9pKOYF3y9ro
2 weeks ago | [YT] | 18
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FIRE Psy Chat
Will you convert your TSP match to Roth?
Learn how to move your TSP employer match into Roth starting in 2026 — and what the tax hit actually looks like before you do it: https://youtu.be/I6A2XONu5L8
2 weeks ago | [YT] | 13
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FIRE Psy Chat
Which net worth milestone matters most?
See the 3 net worth milestones that completely changed my financial life — and why hitting zero mattered more than hitting a million: https://youtu.be/4EvB89CCf4Y
3 weeks ago | [YT] | 13
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