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	Podcast:		ChooseFI
	Episode:		The Detour is the Journey \| Ep 583
	Category:		Business
	Duration:		01:01:08
	Publish Date:		2026-01-26 06:00:00
	Description:		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
	Total Play:		0