Work is Not Mandatory: 10 Years of Early Retirement Reflections Brad Barrett (ChooseFI)

When work becomes optional, a new question appears: who do you want to be now? Brad Barrett retired in 2015 at age 35 after a 13 year career as an accountant. Since then, he’s spent the last decade experimenting with early retirement, building ChooseFI into one of the largest personal finance podcasts in the world, and refining what a meaningful life actually looks like after financial independence. In this episode, Brad shares what pushed him toward financial independence, the key financial decisions that accelerated his path, and the surprising lessons he’s learned after 10+ years of optional work. We also talk about balance, identity, intentional living, and why some people stay one more year longer than they need to. If you’re pursuing financial independence or wondering what life really looks like on the other side, this conversation will challenge you to think deeper about time, money, and what truly matters. Want to build wealth and design a life around what matters most? Grab my book Own Your Time: In This Episode You’ll Learn: Why Brad started pursuing financial independence in his 20s The financial decisions that helped him retire at 35 How to think differently about spending and intentionality What early retirement is really like after the honeymoon phase Why “one more year” can cost more than you think Resources Mentioned: ChooseFI Podcast: ChooseFI Local Groups: Monarch Money (track your net worth): Leave a voicemail for the show: Podcast Credits: Host: Andy Hill Editor: Johnny Sohl Carpe Diem. Learn more about your ad choices. Visit megaphone.fm/adchoices

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Work is Not Mandatory: 10 Years of Early Retirement Reflections Brad Barrett (ChooseFI) is an episode from Marriage Kids and Money by Andy Hill.

This episode is 44:00 long.

This episode was published on Mar 4, 2026.

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