Choosefi | Financial Independence Podcast For The Stealth Wealth Community

Brad and Jonathan continue unpacking *incremental gains* — the small, tactical decisions that compound into financial independence. This conversation moves quickly through **core FI math, expense optimization, retirement accounts, and tax strategy**, showing how flexibility, optionality, and understanding the rules of the game can radically change your long-term outcomes.   Retirement Accounts: The Rules That Matter 401(k): Always Take the Match Employer match = free money Declining it = turning down part of your salary Pre-Tax Accounts Are Often Better for FI Account Benefit Traditional 401(k) Lowers taxable income today Traditional IRA Tax deduction now 457(b) Penalty-free access after separation