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Hi, and welcome to the Longview. I'm Jeff Patak, Global Director of Manager Research for Morningstar

Research Services. And I'm Christine Ben's director of personal finance for Morningstar, Inc.

Our guest in the podcast today is Tanya Hester, who the New York Times referred to as the

matriarch of the fire movement. For the uninitiated, fire stands for financial independence,

retire early. Tanya is the author of the

Our Next Life blog, and she is also author of the book Work Optional, Retire Early in the Non-Penny Pinching Way.

Tanya and her husband, Mark, retired in 2017 at the ages of 38 and 41. Her blog is devoted to chronicling their journey and sharing guidance

for others who might be considering an early retirement. Tanya, welcome to the Longview.

Thanks so much for having me. You wrote a terrific piece for MarketWatch, arguing that this would be

a pivotal moment for the fire movement that might shake out some of the bad ideas that had taken

hold in that community. What are some of those bad ideas? It seems like a lot of them

revolve around people retiring without enough of a margin of safety built in. Yeah. You know,

I think like any large community that grows, over time you get more and more diversity of ideas and diversity of thought.

And really much like with any investing, everybody's brilliant in a bull market.

You know, everyone's ideas work.

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