Court achieved financial independence and promptly did something most FI purists would call reckless: she moved into a bigger house, kept her townhouse as a rental, and cut her hours in half — all while pregnant. Two years later, she's living proof that the most rigid interpretation of the 4% rule might be missing the point entirely. After hitting her FI number, Court leveraged Canada's generous parental leave (61 weeks) to test-run life beyond traditional work. She and her husband transitioned from their townhouse to a single-family home, successfully renting out the former property and capitalizing on a hot real estate market. Rather than obsessing over withdrawal rates and mathematical certainty, Court focused on creating immediate lifestyle improvements — more time with her young children, part-time work instead of full-time, and experiences that matter now rather than waiting for some future retirement date. Brad Barrett sits down with Court to explore what happened after she reached FI and why flexibility matters more than rigid adherence to any single plan. Key Topics Discussed Transition to Part-Time Work Court shares her shift from full-time to part-time work, prioritizing family time with young children over maximizing income. [00:02:00] Leveraging Parental Leave Canada's parental leave system provided Court with substantial time off to bond with her second child while maintaining financial stability. [00:05:00] Real Estate Strategy The family moved from a townhouse to a single-family home while converting their previous property into a rental, profiting from strong market conditions. [00:05:30], [00:42:00] Creating Life Balance Court advocates for prioritizing family time and enjoyable living experiences rather than solely focusing on hitting the FI number. [00:10:00] The Flex Rate Concept The conversation explores flexible income generation and expense adjustments during the transition to FI, rather than relying exclusively on rigid withdrawal rates. [00:12:00] Financial Simplification Court discusses streamlining financial decisions and reducing complexity. [00:44:00] Timestamps [00:00:00] Welcome and Introduction [00:01:50] Court's Journey Update [00:02:00] Transition to Part-Time Work [00:05:00] Utilization of Parental Leave [00:10:00] Discussion on Flexibility and Life Balance [00:42:00] Real Estate Experience [00:44:00] Financial Simplification [01:03:00] Final Thoughts and Advice Key Quotes "Making a shift can lead to a more enjoyable life." — Court [00:10:02] "Success isn't just about reaching your FI number." — Court [00:21:13] "Gradual steps towards your FI number can lead to more enjoyment." — Court [00:23:27] "You're still retiring early compared to conventional retirement age." — Court [00:10:35] "Focus on creating a lifestyle during your journey." — Court [00:11:00] Terminology FI — Financial Independence, a state where an individual or household has sufficient wealth to live without having to actively work. [00:02:00] GIC — Guaranteed Investment Certificate, a Canadian investment that earns a fixed interest rate for a fixed period. [00:54:00] CPP — Canada Pension Plan, a government-funded retirement income plan in Canada. [00:56:00] Related Resources ChooseFI Local Groups [00:21:00] Related Episodes Episode 166 — Court's first appearance