Okay, everybody, before we get started, I need to confess something. Sometimes it's a little lonely.

It's a little lonely out here, just me and the mic. And so I am very excited to let you know about the

2025 Wineab Fan Fest tour. We're going to be in several cities. You may have heard already,

but next year, 2025, we're going to be in first cities. You may have heard already, but next year, 2025,

we're going to be in first San Diego, then Minneapolis, and then New York. The tickets for

San Diego and Minneapolis are on sale now. You can go to whinap.com slash events. They're an all-day

event. We've got keynotes, a live Q&A, panel discussions, food,

really good food, really good food. merch, fantastic merch. You can meet a lot of the different

YNAM people, including myself, but many of the veteran others. They will be having all kinds

of fun, but most importantly, you can just know that as the budget

nerds ben and urnay like to say you are not alone come prove it at the yinaab fan fest again tickets

for san diego and minneapolis are on sale now winab dot com slash events to buy one and also tickets for new york city will go on sale now. Wynab.com slash events to buy one.

And also tickets for New York City will go on sale soon.

You can sign up at that same link,

whinap.com slash events for notifications on when those go on sale.

They will sell out.

Hello, YNABers. My name is Jesse Meekam with another episode of the YNAP podcast, and I'm here each week to obsess out loud about spending purposefully, saving

aspirationally, and giving joyfully. It all comes down to just four, oh so simple habits.

I want to talk today about how fire financial independence, retire early, is a lousy substitute for financial goals.

And I don't mean to throw any shade, as they say. Actually, I'm quite prone to the fire movement. The idea is that

you save a ton of money and retire early. And who wouldn't want that? Well, the guy talking to you

loves his job. So maybe I'm the only guy that

...