She Retired at 32. Then Came Guilt—and a Moral Crossroads.

Rebecca Herbst reached financial independence at age 32 during the tenuous early days of the pandemic, and volunteered shortly thereafter to be furloughed from her job in commercial real estate—and so began her (extremely) early retirement. But spending her days exactly as she wanted featured an unexpected side effect: guilt. What do you owe to others when you’ve gotten everything you wanted? Rebecca alchemized her sense of duty and founded Yield & Spread. In detail, we cover: What the “FI-lanthropy” pledge entails How she squares the desire to retire early with the idea of “hoarding money” Where Rebecca gives for the highest impact Who donor-advised funds might make sense for, and how they work How to donate appreciated stock, and why it might be preferable to giving cash

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She Retired at 32. Then Came Guilt—and a Moral Crossroads. is an episode from The Money with Katie Show by Money with Katie.

This episode is 69:36 long.

This episode was published on Dec 10, 2025.

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