Listen to our most popular audiobook: Everything That Remains
The Minimalists The Minimalists
Joshua Fields Millburn & Ryan Nicodemus help over 20 million people live meaningful lives with less through their website, books, podcast, and documentary. The Minimalists have been featured in the New York Times, Wall Street Journal, Boston Globe, Forbes, TIME, ABC, CBS, NBC, BBC, CBC, and NPR.

Podcast 147 | Retire

In this episode of The Minimalists Podcast, Joshua & Ryan sit down with Chris Hogan, author of Retire Inspired, to discuss financial freedom, getting out of debt, and retirement planning, and they answer the following questions:

  • How do I retire and still ensure I can leave a legacy?
  • How do I take on mid-life responsibilities and obligations—marriage, children, mortgage—while still appropriately saving for retirement?
  • Which is the better retirement investment between a 401K and a Roth IRA?
  • How do I ignore the judgement of loved ones and fully pursue my passions?
  • Is a house an asset or a liability?
  • Is it possible to overdo Dave Ramsey’s baby steps related to investing and paying off a mortgage?

Video Stream


Apple Podcasts · Google Play · Soundcloud · Spotify · MP3

Minimal Maxims

Joshua & Ryan’s pithy, shareable, less-than-140-character responses. Find more quotes from The Minimalists at

  • “Don’t use your retirement to fund your emergency.” —Joshua Fields Millburn
  • “How miserable are you willing to be to impress the people around you?” —Joshua Fields Millburn
  • “Other people’s expectations are just that—other people’s expectations.” —Ryan Nicodemus
  • “Opinions are just like yesterdays: everybody has them.” —Chris Hogan
  • “Renting is simply paying for the freedom to walk away.” —Ryan Nicodemus
  • “You can’t afford a house unless you can afford to put down 20% on a 10-15-year mortgage.” —Ryan Nicodemus
  • “Renting is not throwing away money: you’re paying for extra time so you can purchase a home the right way.” —Chris Hogan
  • “I will never go into debt to own the thing that takes me to work just so I can pay for the thing that takes me to work.” —Joshua Fields Millburn

Mentioned in This Episode

This episode was produced by Shawn Harding. Our theme music was written and performed by Peter Doran. Our podcast is completely free, so if you find value in these episodes, please consider donating a dollar. Your donations help keep this podcast advertisement-free (because advertisements suck).

If you’d like to comment on the podcast, you can leave a review on Apple Podcasts. Not only do we read every review, but positive reviews also help our simple-living message reach more ears.

Questions? Leave a voicemail at 406-219-7839, or send a voice memo to [email protected]. We’ll also answer lightning-round questions from Facebook, Instagram, and Twitter.