9 to FI - Financial Independence Conversations

← 9 to FI - Financial Independence Conversations5 Oct · 49 min

Does Time Slow Down in Retirement? (plus One More Year Decision) | 9 to FI 059

Does Time Slow Down in Retirement? (plus One More Year Decision) | 9 to FI 0595 Oct49 min

<p>Does Time Slow Down After You Retire? (Plus: One More Year Decisions &amp; FI Doubts)Josh and Elliot open by talking about Josh’s upcoming first international trip to Tanzania and a geography-trivia Instagram account. Josh shares that since retiring 17 months ago after a 25-year corporate career, time feels like it has slowed down. They discuss Josh’s informal “research” on time dilation, novelty, loss of external time markers, and keeping a steep learning curve through new projects. The conversation shifts to Elliot’s uncertain FI timeline: his job has worsened, he’s aiming to reach a bonus/RSU milestone, and he’s debating working longer to fund inflation-adjusted monetary gifts for his three kids, estimating he’s about 93% FI and wrestling with emotional versus mathematical readiness.00:00 Safari Travel Banter01:21 Geography Trivia Detour03:03 Retirement Time Slowdown06:49 Time Dilation Explained15:29 Keeping Novelty Alive23:15 Learning Curve and Drums25:21 One More Year Decision28:59 FI Math and Family Gifts38:27 Trusting the Portfolio48:11 Wrap Up and Safari Warnings</p><p>Spotify:</p><p>Do you have feedback or suggestions? We want to hear from you!</p><p>Contact Elliot: <a href="mailto:Elliot@ninetofipod.com" rel="ugc noopener noreferrer" target="_blank">Elliot@ninetofipod.com</a></p><p>Contact Josh: <a href="mailto:Josh@ninetofipod.com" rel="ugc noopener noreferrer" target="_blank">Josh@ninetofipod.com</a></p><p>Josh’s other podcast: <a href="https://open.spotify.com/show/4foNu6PXBBTnj7LRPUWeSd?si=380e77ecc4524baf" rel="ugc noopener noreferrer" target="_blank">Stuck In Beta</a></p><p>Josh’s YouTube channel: <a href="http://www.youtube.com/@howtofixitworkshop" rel="ugc noopener noreferrer" target="_blank">How To Fix It Workshop</a></p><p>Any of these products help the show. Thanks for your support!</p><p><a href="https://buymeacoffee.com/9tofi" rel="ugc noopener noreferrer" target="_blank">Buy Us a Coffee⁠</a> - One time donation or monthly, it’s up to you</p><p>We both use<a href="https://my.mintmobile.com/refer/aEWp5rL" rel="ugc noopener noreferrer" target="_blank"> ⁠Mint Mobile⁠</a> and save a ton on our phone plan:<a href="http://fbuy.me/vgAmz" rel="ugc noopener noreferrer" target="_blank"> ⁠</a></p><p><a href="https://empowerreferral.link/joshuaepley" rel="ugc noopener noreferrer" target="_blank">⁠Empower⁠</a> is Josh’s choice for Net Worth and Budgeting</p><p>Wanna create a podcast? We use<a href="https://descript.cello.so/IVNVNzQT7Gf" rel="u