FI Minded: Achieve Financial Independence & Have Fun Doing It

How to Have End-of-Life Conversations with the People You Love | E185 Tess Waresmith

17 Dec 2025

Contributed by Lukas

Talking about end-of-life planning is one of the hardest conversations we’ll ever have, but also one of the most important. Whether you’re pursuin...

50/30/20 Budget: Does This Popular Guideline Actually Work for FI Seekers? | E184

03 Dec 2025

Contributed by Lukas

Are FI seekers supposed to follow the 50/30/20 budget guideline — or is it completely irrelevant when you’re pursuing financial independence? In t...

Smart Frugality: The Frugal Mindset That Actually Feels Good | E183 JC Rodriguez

19 Nov 2025

Contributed by Lukas

Cutting costs can help you reach financial independence faster, but it shouldn’t come at the expense of your happiness. The real key is smart frugal...

3 Hidden Traps That Make FIRE Feel Empty | E182 Jordan Grumet

05 Nov 2025

Contributed by Lukas

FIRE was never meant to be the finish line. It was supposed to be the launchpad. But somewhere along the way, we started chasing optimization instead ...

How to Find a Side Hustle You’ll Love (and Stick With) | E181 Nick Loper

22 Oct 2025

Contributed by Lukas

Everyone talks about starting a side hustle, but few talk about how to pick the right one. The one that fits your skills, your lifestyle, and your FI ...

Optimal Tax Strategies for Your Early Retirement | E180 Cody Garrett & Sean Mullaney

08 Oct 2025

Contributed by Lukas

It might have been monsters under the bed, shadows in the corner, or creepy dementors from Harry Potter. We all had irrational fears growing up.Mine w...

Is Saving Too Much Holding You Back? | E179 Jesse Cramer

24 Sep 2025

Contributed by Lukas

I’m in this strange in-between stage right now, somewhere between Coast FI and Full FI. And I often feel pulled back and forth between spender and s...

Why Buying Less Might Be the Next Step in Your FI Journey | E178 Ashlee Piper

10 Sep 2025

Contributed by Lukas

I was reviewing my spending for the first half of 2025 and noticed something interesting: excluding routine bills, groceries, and experiences, I only ...

Mini-Retirements: Retire Often, Not Just Early | E177 Jillian Johnsrud

27 Aug 2025

Contributed by Lukas

We’re all waiting for the day we hit financial independence. That’s when we’ll finally quit our jobs and have time to learn a new hobby, start t...

How to Save Thousands on Groceries (Without Giving Anything Up) | E176 Bryan Suddith

13 Aug 2025

Contributed by Lukas

If you're on the path to financial independence, you know every dollar adds up. An extra $1,000 a year might not sound like much, but early in your FI...

Shifting Away from a “Save-Only” Mindset | E175 Matt & Yana - CoastFI Couple

30 Jul 2025

Contributed by Lukas

Today, we dive into some of the biggest questions our community has about money, relationships, and raising kids on the path to financial independence...

How to Get the Courage to Travel More Adventurously | E174 Jon Otero

16 Jul 2025

Contributed by Lukas

My first big trip abroad was in 2015. I had just graduated from college the week before and wanted to do something fun. So my girlfriend and I flew to...

Money Moves That Sound Smart…But Aren’t (Part 2) | E173

02 Jul 2025

Contributed by Lukas

Some money moves sound smart…until you actually try them.This is Part 2 of our special series where six personal finance experts share strategies th...

Money Moves That Sound Smart…But Aren’t (Part 1) | E172

02 Jul 2025

Contributed by Lukas

Some financial strategies sound really smart…until they aren’t.In part one of this special two-part series, we’re diving into real stories from ...

You’re Great at Saving. Here’s How to Get Great at Giving (FI Style) | E171 Spencer Reese

18 Jun 2025

Contributed by Lukas

The Financial Independence community is great at saving and investing — but what about giving?In this episode, I talk with Spencer Reese from Milita...

How to Live a FI Life Without the FI Bank Account | E170 Jess from Fioneers

04 Jun 2025

Contributed by Lukas

Why are you chasing financial independence?It could be living a more adventurous life filled with travel or doing work you love, regardless of the pay...

What If You Had the Opportunity to Reinvent Yourself? | E169

28 May 2025

Contributed by Lukas

What would you do if you had to start over, completely from scratch?In this episode, I share the wild true story of Audrey, a woman who vanished in 19...

Travel Hacks to Upgrade Your Next Vacation (Without Spending More) | E168 Chris Hutchins

21 May 2025

Contributed by Lukas

I get why some people aren’t into traveling. Long flights crammed in a middle seat, overpriced hotels that smell like smoke, and being miles away fr...

How to Start a Side Hustle in One Month | E167 Nick Loper

07 May 2025

Contributed by Lukas

For most of us pursuing financial independence, the math is pretty straightforward: earn more, spend less, and invest the difference. But what if you ...

The Tariffs You Should Really Be Paying Attention To | E166

30 Apr 2025

Contributed by Lukas

Tariffs aren’t just for global trade - you can apply the concept to your personal life to protect your time, energy, and values.As we gain more fina...

You’re Financially Free But It Doesn’t Feel Like It | E165 Shannah Game

23 Apr 2025

Contributed by Lukas

You’ve run the numbers a hundred times. You’ve built the spreadsheets, projected the growth, and calculated your safe withdrawal rate down to the ...

How to DOUBLE Your Income in One Year | E164 Andrew Giancola

09 Apr 2025

Contributed by Lukas

In my mid-20s, I was making $50,000. Between San Diego’s high housing costs, dating, a car payment, and other expenses, I barely had anything left t...

Welcome to FI Minded (Podcast Rebrand Announcement)

27 Mar 2025

Contributed by Lukas

Want to achieve financial independence without missing out on the fun?FI Minded is for anyone who wants to achieve financial freedom, live life on the...

Is Real Estate the Best Path to Financial Independence? | E163 Chad Carson

26 Mar 2025

Contributed by Lukas

Is Real Estate the Best Path to Financial Independence?As a die-hard index fund investor, I used to have a clear answer. But after researching Chad Ca...

When You and Your Partner See Money Differently | E162 Brian Page

12 Mar 2025

Contributed by Lukas

Love and money - a perfect match, right?If only it were that simple. Money is personal for everyone. We grow up with different values, learn different...

Do You Know You Can Negotiate Your Medical Bills? Here’s how. | E161 Dr. Virgie Bright Ellington

26 Feb 2025

Contributed by Lukas

In today’s conversation, we will learn how to negotiate your medical bills. Wait, you can do that?Yeah, this was new to me too. Maybe it was the con...

Spending Experiments: Learn What Purchases Make You Happy | E160 Carl Jensen

12 Feb 2025

Contributed by Lukas

Struggling to spend money? Same here. Honestly, I never thought this would be a problem as I got closer to financial independence. I mean, isn’t the...

Fast-Track Your 2025 Money Goals Using These Strategies | E159 Justin Brown-Woods

29 Jan 2025

Contributed by Lukas

It’s the start of a new year, and you’ve set some financial goals like paying off student loans, saving for a down payment, or maxing out your IRA...

What Happens After I Reach FIRE? Withdrawal Strategy, Spending Changes, & Finding Meaning | E158 Jeremy Schneider

15 Jan 2025

Contributed by Lukas

Since discovering financial independence, I have focused on wealth-building: choosing the right accounts, investing wisely, and cutting expenses to sa...

Find Purpose Beyond Financial Independence | E157 Jordan Grumet (Doc G)

01 Jan 2025

Contributed by Lukas

Why save and invest? It’s a rhetorical question, but let’s think it through.When you save and invest, you’re sharing financial resources with yo...

Creative Frugality: How to Do A Lot With A Little | E156 Jill Sirianni

18 Dec 2024

Contributed by Lukas

Who says you can’t have your cake and eat it too? With a little bit of creative frugality, I think it is possible to live below your means and buy t...

Is Couponing Worth it, Using Your Old Student ID for Discounts, Weirdest Way You’ve Made Money, and More | E155 Joel Larsgaard, Jackie Cummings Koski, Justin Brown Woods

04 Dec 2024

Contributed by Lukas

Okay, this episode was so much fun to create. This is outside my normal format but equally as informative and probably more entertaining.In October, I...

10 Golden Rules of Personal Finance | E154 Jesse Cramer

20 Nov 2024

Contributed by Lukas

There are so many rules in the personal finance space. Some are helpful, others not so much.Let's set aside the bad ones for a minute (for example, st...

You Can Afford to Leave Your Job But You’re Afraid to Quit | E153 Tess Waresmith & Nicole Franklin

06 Nov 2024

Contributed by Lukas

There will be a point in your FI journey when a stable salary will become less important to you. You’ve built up your savings and investments to a p...

Ignoring the Rules and Paving Your Own Path to FIRE | E152 Diania Merriam

23 Oct 2024

Contributed by Lukas

I love FI because it allows me to break the rules and live outside the norm. Like, no one has time for 40 years of traditional employment. But little ...

When Your Spouse Makes More Than You | E151 Ed Coambs

09 Oct 2024

Contributed by Lukas

While we still have a lot of work to do, I’m really glad we’ve made strides in closing the gender pay gap. Women's increased incomes have led to s...

Roth vs Traditional: Which is Right For You If You’re Pursuing FIRE? | E150 Rachael Camp

25 Sep 2024

Contributed by Lukas

It’s one of the most hotly debated topics in personal finance…Roth or Traditional?Some argue that the national debt almost guarantees higher taxes...

Is the US Stock Market Too Reliant on a Few Large Companies? | E149 Erik Baskin

11 Sep 2024

Contributed by Lukas

Over the last couple of years, a key group of companies known as The Magnificent Seven has emerged. This group of high-performing and influential comp...

Reverse Budgeting: Low-Stress Way to Spend Guilt-Free and Keep Your Finances Healthy | E148 Peter Lazaroff

28 Aug 2024

Contributed by Lukas

Things can get complicated quickly in the world of personal finance. From investing and budgeting to estate planning and insurance, there are multiple...

How to Fight About Money Without Ruining a Relationship | E147 Allie Volpe

14 Aug 2024

Contributed by Lukas

There are going to be differences. And these differences are what lead to disagreements.Imagine a scenario where you and your friends are booking an A...

5 Secrets to Make Your FIRE Journey Fun | E146 Jackie Cummings Koski

31 Jul 2024

Contributed by Lukas

Yes, your path to financial independence is going to take work and sacrifice but it shouldn’t be miserable. Financial independence is not worth it i...

Use Flow State to Achieve More and Accelerate Your Financial Goals | E145 Justine Elizabeth

17 Jul 2024

Contributed by Lukas

Whether you consider yourself a writer or not, you’ve been asked to write before. This could be an essay for school, an email at work, or a caption ...

Why Are We So Weird When It Comes to Money | E144 Paco de Leon

03 Jul 2024

Contributed by Lukas

Humans are weird whenever it comes to money. We drive five miles out of the way to save a few cents on gas. We buy things we don’t need because they...

Work Optionality: A Different Way to Imagine at FIRE | E143 Rachael Camp

19 Jun 2024

Contributed by Lukas

Work optionality is the idea that you work because you want to, not because you have to. As you’re listening to this in your 20s, this concept might...

Embracing Mini-Retirements: How to Take Breaks on Your Path to FI | E142 Jillian Johnsrud

05 Jun 2024

Contributed by Lukas

Let’s not sugarcoat it, the path to financial independence is a grind. Even with an aggressive savings rate and an extended bull market run, you’r...

Retiring Early? How to Withdrawal Money from Your 401(k)Without a Penalty | E141 Sean Mullaney

22 May 2024

Contributed by Lukas

We always hear the importance of taking advantage of our 401K and IRA accounts. The tax advantages and employer match are too good to pass up on. But ...

Does My FIRE Number Account for Inflation? | E140 Jesse Cramer

08 May 2024

Contributed by Lukas

I love playing with compound interest calculators and one equation I’m routinely calculating is the number of years until I reach financial independ...

6 Essential Skills to Have a Successful Career (and Make More Money) | E139 Dave Lamont

24 Apr 2024

Contributed by Lukas

As someone pursuing early financial independence, it is almost guaranteed that over time, a lot of your wealth will come from investment growth but as...

How to Fire Your Financial Advisor (for Those Who Don’t Like Confrontation) | E138 Tess Waresmith

10 Apr 2024

Contributed by Lukas

You’ve been pouring into your personal finance education and you’re starting to feel more empowered to manage your investments. You might have eve...

5 Affordable Yet Fun Date Ideas | E137 Samantha Vigneau

27 Mar 2024

Contributed by Lukas

Dating is expensive. There is no way to sugarcoat it. Between dinner, drinks, parking, entertainment, and more…the costs quickly add up. I was readi...

First Time Real Estate Investor? Don’t Make These 3 Mistakes | E136 Dustin Heiner

13 Mar 2024

Contributed by Lukas

If you’re interested in early retirement, you have to consider how you will afford life when a paycheck isn’t hitting your bank account every othe...

Learn to Improve Your Commitment and Follow-Through | E135 Matt Worthington

28 Feb 2024

Contributed by Lukas

Even with an aggressive savings rate, reaching financial independence will take 10 to 15 years assuming the market plays nice with you. Stack on payin...

This is the REAL Meaning of Being Frugal (and It’s Not Depriving Yourself) l E134 Joel Larsgaard How to Money

14 Feb 2024

Contributed by Lukas

When I say the word frugal, what comes to mind?Do you think of your penny-pitching sibling? Or your coupon-clipping aunt? Your co-worker that always b...

How to Ask for a Raise: Step-By-Step Process to Make the Ask & Actually Get It | E133 Andrew Giancola

31 Jan 2024

Contributed by Lukas

You’re a top performer at work. Your manager routinely praises you and you’ve been taking on more responsibilities as your team and your company g...

How to Launch a Side Hustle While Working Full-Time | E132 Genuinely Genesis

17 Jan 2024

Contributed by Lukas

One of the keys to building wealth is increasing your income. Most 20-somethings don’t have a savings problem, they have an income problem.You’re ...

Using Geo Arbitrage to Save a Ton of Money and Reach FI/RE Sooner | E131 Rachel Covert

03 Jan 2024

Contributed by Lukas

It’s hard living a frugal life. I’m constantly questioning myself whenever I do things like taking leftovers from a free corporate lunch or doing ...

Former Inmate on Believing in Yourself, Creating Your Comeback, and Proving Them Wrong | E130 Nate Dukes

25 Dec 2023

Contributed by Lukas

For today’s episode, we are going to pause our money content to share a powerful story. With 2024 quickly approaching, I’m sure you’re giving th...

4 Realistic New Year’s Resolutions that Will Set You Up for Financial Success in 2024 (and beyond) | E129

18 Dec 2023

Contributed by Lukas

I’ve noticed that New Year’s resolutions have been taking some heat lately. I get it, it is totally illogical that a single predetermined day is c...

Realistically, How Much Does It Cost to Have Kids? | E128 Maya Corbic

11 Dec 2023

Contributed by Lukas

I’ve always dreamt about becoming a dad. I know little moments like teaching them the ABCs, running them to soccer practice, or helping them pick ou...

Did You Forget These 4 Financial News Headlines From 2023? | E127

04 Dec 2023

Contributed by Lukas

We are closing up on 2023 and I thought it would make for a fun episode to recap some of the top financial news headlines from the year.Being a fellow...

Avoiding the Comparison Trap: 5 Powerful Ideas to Stop Comparing Yourself to Others | E126 Hayley Dawson

27 Nov 2023

Contributed by Lukas

Today we dive deep into a universal struggle that affects us all: the comparison trap. In a world fueled by social media highlights and curated succes...

Your Year-End Financial Checklist: 8 To-Dos to Complete by December 31st | E125

20 Nov 2023

Contributed by Lukas

The holiday season is in full swing and I’m so excited to spend the next month celebrating with friends and family. With all of the parties and get-...

How to Find the Courage to Move Out of Your Hometown, Change Your Career, and Embrace Major Changes | E124 Kay Cote

13 Nov 2023

Contributed by Lukas

I love big, life changes…said absolutely no one ever.Significant life changes like moving out of your hometown, changing career paths, or ending a s...

8 Side Project Ideas: Earn Money and Build New Skills Without Leaving Your Day Job | E123

06 Nov 2023

Contributed by Lukas

Do you currently feel like you’re stagnant in your career? Like you haven’t learned a lot lately and are living the same work day over and over?Or...

Turn the Page in Your Career with Effective Reading Techniques | E122 Nick Hutchison

31 Oct 2023

Contributed by Lukas

What kind of impact would it have on your career if you could be mentored by Tim Ferriss, Brene Brown, Cal Newport, Oprah Winfrey, Les Brown, Ryan Hol...

3 Career Killing Habits That You Can’t Afford to Keep | E121

23 Oct 2023

Contributed by Lukas

In this current series, we’ve been deep-diving into blueprints for how you can take control of and accelerate your career with various professional ...

The 10 People You Need on Your Personal Board of Advisors | E120 Pete Schramm

16 Oct 2023

Contributed by Lukas

Have you heard of this concept before? A personal board of advisors. I think it is kind of interesting.Many companies have a board of directors who he...

3 Types of Professional Goals That Will Give You Career Clarity {New Series Kick-off} | E119

09 Oct 2023

Contributed by Lukas

We are kicking off a new series called “Your Map to Professional Growth.” The goal of this series is to give you ideas for how you can take owners...

Travel for Free with Credit Card Points | E118 Danielle Desir

02 Oct 2023

Contributed by Lukas

I have to admit, this is one subject in the personal finance space that I don’t have much experience with. I’m so impressed with my friends who ge...

Passion or Paycheck? The Career Conundrum | E117

25 Sep 2023

Contributed by Lukas

Should my career be driven by passion and purpose or serve as a means of financial stability? At one point or another, you will face this career conun...

The Ultimate Retirement Account: Health Savings Account (HSA) | E116 Sean Mullaney

18 Sep 2023

Contributed by Lukas

We often hear about 401Ks and IRAs, two incredible retirement planning tools but what if I told you there was a third, secret retirement account that ...

These 9 Employee Perks Are Basically Free Money | E115

11 Sep 2023

Contributed by Lukas

So far in the Mastering Money at Work Series, we’ve discussed 4 steps to setting up your 401(k), which was episode 113, and last week, Jesse Cramer ...

How to Ask for a Raise (and Actually Get It) | E114 Jesse Cramer

04 Sep 2023

Contributed by Lukas

I don’t want to steal Jesse’s thunder so I won’t tell his specific example that he shares, but negotiating a raise early in your career can lead...

4 Steps to Setting Up Your 401(k) Account at Work | E113

28 Aug 2023

Contributed by Lukas

Starting a new job always comes with a hectic first week of paperwork. More than likely, one of the documents is about investing in your company’s 4...

The Do's and Don'ts of Networking | E112 Dan Brodsky

21 Aug 2023

Contributed by Lukas

Today we are concluding our series on how to level up your professional network. We’ve learned easy ways to find in-person networking events, how to...

Network at Your Next Conference Without Being Awkward | E111 Mark Herschberg

14 Aug 2023

Contributed by Lukas

With the calendar turning to fall, conference season is heating up. People are making arrangements and gearing up to attend academic, industry, and pr...

7 Overlooked Techniques for Building Rapport and Networking Online | E110

07 Aug 2023

Contributed by Lukas

We all know at least one person that can walk into a room full of strangers and emerge with a group of new friends. They’re so good at attracting pe...

The Secrets to Hosting a Successful Networking Party | E109 Nick Gray

31 Jul 2023

Contributed by Lukas

We’ve all been to one: loud music, people huddled in clicks, and little to no guidance from the host. I’m talking about poorly run networking even...

7 Ways to Discover Great In-Person Networking Events Worth Going To l E108

24 Jul 2023

Contributed by Lukas

I could make a case that any interaction with someone else could be considered networking. From your friend’s parent to the barista who handed you y...

Sick of Your Clothes? Find Your Personal Style, Identity and Confidence | E107 Parke Ballantine

17 Jul 2023

Contributed by Lukas

I’ve never felt like I’ve had style. Honestly, I’ve always felt a little intimidated and lost when it comes to fashion.With that in mind, I didn...

A Guide to Creating a To-Do List That Actually Works | E106

10 Jul 2023

Contributed by Lukas

To-do lists help you remember what needs to get done, they create order, they set priorities, they relieve stress, they help you delegate, and they tr...

How to Embrace Spontaneity, Bust Out of a Rut, and Make Deposits in Your Confidence Account | E105 Les Alfred

03 Jul 2023

Contributed by Lukas

Do you ever feel like you’re living in Groundhog Day where the events yesterday, feel like today, and you’re probably going to have those same fee...

3 Tips for Managing Your Work Calendar Like a Pro | E104

26 Jun 2023

Contributed by Lukas

For all the ways we depend on them, it’s kind of amazing how little attention we tend to pay to make sure our calendars are working for us.Your cale...

Career Boredom: How to Make Your Work Interesting Again | E103 Carla Fowler

19 Jun 2023

Contributed by Lukas

I remember being on fire for the first few years of my career. I was learning so much and every day brought a novel problem to solve.Boredom wasn’t ...

Email Management Tips for Young Professionals Overwhelmed by a Cluttered Inbox | E102

12 Jun 2023

Contributed by Lukas

Between reading through messages, crafting the right responses, and keeping tabs on the emails that require follow-up, staying on top of your inbox ca...

5 Surprising Reasons Americans Don’t Travel…And Why You Should Reconsider All of Them | E101 Renee Bruns

05 Jun 2023

Contributed by Lukas

When I was in grade school, my dad and I were up in Detroit for a track meet. We thought it would be fun to cross over into Canada. Although technical...

Relive Your Favorite Moments from The Struggle is Real: Celebrating 100 Episodes | E100

29 May 2023

Contributed by Lukas

Thank you so much for joining us in this special episode. The Struggle is Real podcast hit a significant milestone. You are listening to episode 100.K...

Situationships: How Embracing the Grey Area Might Be What You Need for Your Dating Life | E99 Myisha Battle

22 May 2023

Contributed by Lukas

Have you heard of the term situationship? I’ve been seeing the term across different media outlets but I hadn’t dug into it much until I found Myi...

Five Paths to Early Retirement | E98

15 May 2023

Contributed by Lukas

In episode 96, we talked about the FIRE Movement, a group of people who are focused on early retirement, sometimes decades before the traditional reti...

Accelerate Your Career with Effective Communication | E97 - Brenden Kumarasamy

08 May 2023

Contributed by Lukas

Over the last decade of my career, I've found there is a subset of skills that can be a multiplier for your career growth. One of those super skills i...

What is the FIRE Movement? Retire in Your 30s | E96

01 May 2023

Contributed by Lukas

Aside from corporate holidays and one-week vacations, we are going to have to wait until 65 for a total sense of freedom and choice.But do we? What if...

3AM Phone Call: A Story that Led to a $10,000 Sale | E95 Chuck Cooper

24 Apr 2023

Contributed by Lukas

It’s fun to talk about success especially when it comes to entrepreneurship. We are all hoping for this grand journey where we start from the bottom...

Hidden Cost of Investing: 3 Common Fees and How to Stop Paying Them | E94

17 Apr 2023

Contributed by Lukas

You’ve been doing a great job taking part of your paycheck and investing that money every month. You check your balance and you feel like “I’m n...

You’re Failing in Your Twenties…Or At Least You Think You Are | E93 Paul Angone

10 Apr 2023

Contributed by Lukas

I’m turning 30 next month and I’ve been unsure how I’ve felt about that. I’ve had countless conversations with guests that shared with me how ...

How to Give a Heartfelt, Genuine Apology and Navigate Difficult Conversations | E92 Jonathan Miller

03 Apr 2023

Contributed by Lukas

So you messed up and need to apologize to someone? It was an honest mistake, you feel terrible, and you want to say sorry. How do you do that in a hea...

A Guide to Journaling: Prompts, Benefits, & Getting Started | E91 Megan Miller

27 Mar 2023

Contributed by Lukas

In today's conversation, I went down this incredible, unplanned rabbit hole with my friend Megan Miller.We both have a mutual love for journaling and ...

How I Avoid Burnout: Selfish Sundays | E90 Anastasia Barbuzzi

20 Mar 2023

Contributed by Lukas

Have you felt like you’ve been burning the candle at both ends? Are you trying to do too many things and feeling burnout?Maybe you need a Selfish Su...

8 Steps to Being Healthier than 90% of People | E89 Dr. Judson Brandeis

13 Mar 2023

Contributed by Lukas

We all dread it but that day eventually comes. It might be a cough that won’t go away, a potential sprained ankle, or you’re questioning a weird b...

What LeBron James Taught Me About Success | E88

06 Mar 2023

Contributed by Lukas

LeBron James recently broke the NBA’s all-time scoring record. It was an amazing moment to watch and an impressive feat.But reading about this achie...

Build a 6-Figure Net Worth in Your 20s | E87 Mills Bender

27 Feb 2023

Contributed by Lukas

When I started my first “big boy” job, I signed up for our 401K program. HR handed me this packet of papers and essentially said good luck.I remem...