Today's guest, Regina Moore, hit millionaire status before 35, but not by following the typical

fire playbook. In fact, as a pharmacist, she was able to earn very high income, keep her expenses

low, pay off her house, and reach a million dollars in net worth before age 35. But those plans

were derailed by a diagnosis of cancer of their two-year-old son.

Today's episode is going to talk about her journey to fire and the preposterous situation

that she and her family are placed in due to subsidy cliffs.

This is a major issue for the fire community and has elements of political discussion around it.

We'll try to grapple with those as best we can in a moderate side that presents both sides of the

issue while presenting Regina's story and her positions on this.

Hello, hello, hello, and welcome to the Bigger Pockets Money podcast. My name is Mindy Jensen, and with me as always is my not-Slo-Fi co-host, Scott Trench. Thanks, Mindy. You put on a clinic with these introductions. You'll get that later, guys. We are so excited to be joined by Regina Moore today, co-founder of Women's Personal Finance. She has an amazingI story, which we're going to be talking about today.

Without further ado, welcome Regina. Glad to be here. I feel like I've been wanting to get together

with you all for a long time. We finally made it happen. We did finally make it happen. Shout out to

FinCon for finally connecting us. Let's go back to the beginning of your FI journey.

When did you discover the concept of financial independence and early retirement?

Probably about when I graduated from pharmacy school with a story that I think many people will share.

Someone gave me a copy of Dave Ramsey's book as I was graduating.

And I was interested and I skimmed through it and thought, like, oh, well, yeah, of course people

pay off debt and that it seemed like a good intro, but it's like not the full story. And pretty quickly

from there, I dived into reading personal finance blogs. And I remember one of the main ones that I

found first was Mr. Money Mustache. So I spent a lot of my first year out of pharmacy school when I was sometimes sitting late

in the evening on slow hospital pharmacist swing shifts, diving deep into all that stuff.

Pete wrote and kind of branching off from there and deciding that I would find a way to be able to retire early

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