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Fit Rich Life

Fit Rich Life

Written by: Justin David Carl
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With a mission to empower people to proactively design & truly live a life worth living, Entrepreneur & Life Alchemist, Justin David Carl seeks out & shares expertise, wisdom & thought leadership in the areas of Fitness, Health, Money, Wealth, Financial Independence, Creativity, Business & Entrepreneurship, Personal & Spiritual Development, Lifestyle, Mindset, Habits, and all areas that encompass Holistic Wellbeing and a life well-lived.2022 All Rights Reserved Economics Leadership Management & Leadership Self-Help Success
Episodes
  • Cody & Justin: Life In Early Retirement, Net Worth vs. Net Life, Quests, Community & More | FRLP 110

    Cody & Justin: Life In Early Retirement, Net Worth vs. Net Life, Quests, Community & More | FRLP 110
    Jul 1 2026
    What does life actually look like after you hit your FI number? In this episode of the Fit Rich Life Podcast, Justin sits down with Cody Berman — who reached financial independence at 25 and just released his #1 bestselling book Retired by 30 — for an honest, peer-to-peer conversation about the messy, rewarding first years of early retirement. They took two different roads to the same place (Cody through entrepreneurship, Justin through a corporate sales career), and they compare notes on identity, decompression, building businesses that run without you, and why the real goal was never a number. Connect with Cody Berman: Website: https://goldcityventures.com/ Instagram: https://www.instagram.com/codydberman/ What we cover in this episode Working in seasons instead of grinding 24/7/365 The identity crisis that hits when you leave a high-performing career The decompression period nobody warns you about (and sleeping 10–12 hours a night for a year) Why you still need a quest — and how to find your North Star in early retirement Building scalable, systemized businesses (SOPs, delegation, passive income) The 1,200-day email sequence and the "leaky bucket" problem Structuring your days around your values — not a job The transition period and getting comfortable in the unknown Why community is an asset class, and "be the lighthouse, not the tugboat" Shifting from maximizing net worth to maximizing net life Resources & links mentioned Books: Retire By 30 by Cody Berman · Traction by Gino Wickman· The 4-Hour Workweek by Tim Ferriss · Profit First by Mike Michalowicz · Retire Often by Jillian Johnsrud · Transitions by William Bridges People: Grant Sabatier · Paula Pant · Scott Trench · Jillian Johnsrud · Doug Cunnington (Mile High FI) · JD Roth (Get Rich Slowly) · Justin Welsh · Dan Koe · Ramit Sethi (money dials) Events: Camp FI · EconoMe · FinCon Tools: Kit (email) · Asana · Loom · Slack · Empower (formerly Personal Capital) Cody's business: Gold City Ventures Get a FREE copy of my Money Guide: https://mwob.fitrichlife.com/ Full Show Notes w/ Links to resources: www.fitrichlife.com/podcast/ FIT RICH LIFE NEWSLETTER Get fit, get rich, and live your best life in 10 minutes a week. Join 6,100+ smart readers who are leveling up their Fitness, Money & Life. Join here: https://fitrichlife.com/newsletter WANT TO LEARN MORE? Follow me on Instagram: https://www.instagram.com/justindavidcarl Follow me on Threads: https://www.threads.net/@justindavidcarl Follow me on Twitter/X: https://x.com/justindavidcarl Connect on LinkedIn: https://www.linkedin.com/in/justindavidcarl SHOW SPONSORS: I am incredibly passionate about Fitness and Money & have reached a substantial degree of mastery in these domains, and now I'm looking to help others do the same! Interested in taking your Fitness, Money & Life to the next level? Book your Free Consultation today or drop me a DM on Instagram https://instagram.com/justindavidcarl to coordinate a time to connect with me. From Pre-Workout to Protein, if you desire to lead a happy, healthy, fit life, go to https://vedgenutrition.com/dragon and grab your plant-based healthy essentials. Use the code DRAGON to save $$! Thanks for tuning in! If you liked my show, LEAVE A THUMBS UP, share, and subscribe!
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    2 hrs and 3 mins
  • JL Collins: The Simple Path to Wealth Evolves — International Stocks, Market Crashes, Trading Traps & Work You Love | FRLP 109

    JL Collins: The Simple Path to Wealth Evolves — International Stocks, Market Crashes, Trading Traps & Work You Love | FRLP 109
    Jun 17 2026
    In this episode of the Fit Rich Life Podcast, I'm joined for a third time by my friend, mentor, and bestselling author JL Collins, author of The Simple Path to Wealth. When I first discovered JL's work in 2017, it fundamentally changed my financial life. In our previous conversations, we covered FU money, index investing, financial independence, bonds, market downturns, and staying the course. But this conversation explores new territory — including JL's recent shift toward adding international stocks to his portfolio. We talk about why JL, after decades of primarily investing in U.S. index funds, has added VT, Vanguard's Total World Stock ETF, and what that means for investors who currently hold VTI, VTSAX, or the S&P 500. JL explains why this is not a dramatic change, why he still believes the most important decision is to invest in low-cost, broad-based index funds, and why investors should avoid creating unnecessary tax consequences just to make minor portfolio adjustments. We also discuss market crashes, all-time highs, trading traps, stock picking, the danger of trying to predict the market, and why the stock market will always do whatever it needs to do to embarrass the maximum number of people. JL shares one of his own painful investing mistakes from the 1987 crash and why staying the course requires courage, humility, and a long-term perspective. From there, we dive into financial independence, "one more year syndrome," and the difference between retiring from work you dislike and creating a life filled with autonomy, creativity, and meaningful contribution. JL shares why he prefers the term financial independence over FIRE, why retirement is often misunderstood, and why a flexible, low-cost lifestyle can create far more freedom than chasing a bigger portfolio number. Finally, JL offers personal reflections on health, fitness, aging, and why it's never too late — or too early — to begin building a stronger, freer, and more intentional life. This conversation is a powerful reminder that wealth is not about prediction, perfection, or complexity. It's about owning your freedom, staying the course, and building a life you actually want to live. Topics covered include: JL Collins adding international stocks to his portfolio VT vs. VTI vs. VTSAX vs. the S&P 500 How to think about portfolio changes without triggering taxes Why market crashes are a normal part of long-term investing The danger of trading, stock picking, and chasing hot sectors What to do if you sold during a downturn One more year syndrome and financial independence Why retirement is really about autonomy How FU money gives you options before full FI Lessons on health, fitness, aging, and living boldly Resources Mentioned: The Simple Path to Wealth by JL Collins: https://amzn.to/4xuIdoN The Simple Path to Wealth Workbook: https://amzn.to/4ov8qiI Vanguard Total Stock Market Index Fund / ETF: VTSAX / VTI Vanguard Total World Stock ETF: VT Vanguard Total International Stock ETF: VXUS Quit Like a Millionaire by Kristy Shen and Bryce Leung: https://a.co/d/0j1g0k8a Parent Like a Millionaire Kristy Shen and Bryce Leung: https://a.co/d/0d8BqdnC Same as Ever by Morgan Housel: https://a.co/d/06pMELu2 Connect with JL Collins: Web: https://jlcollinsnh.com/ X: https://x.com/JLCollinsNH Get a FREE copy of my Money Guide: https://mwob.fitrichlife.com/ Full Show Notes w/ Links to resources: www.fitrichlife.com/podcast/ FIT RICH LIFE NEWSLETTER Get fit, get rich, and live your best life in 10 minutes a week. Join 4,700+ smart readers who are leveling up their Fitness, Money & Life. Join here: https://fitrichlife.com/newsletter WANT TO LEARN MORE? Follow me on Instagram: https://www.instagram.com/justindavidcarl Follow me on Threads: https://www.threads.net/@justindavidcarl Follow me on Twitter/X: https://x.com/justindavidcarl Connect on LinkedIn: https://www.linkedin.com/in/justindavidcarl SHOW SPONSORS: I am incredibly passionate about Fitness and Money & have reached a substantial degree of mastery in these domains, and now I'm looking to help others do the same! Interested in taking your Fitness, Money & Life to the next level? Book your Free Consultation today or drop me a DM on Instagram https://instagram.com/justindavidcarl to coordinate a time to connect with me. From Pre-Workout to Protein, if you desire to lead a happy, healthy, fit life, go to https://vedgenutrition.com/dragon and grab your plant-based healthy essentials. Use the code DRAGON to save $$! Thanks for tuning in! If you liked my show, LEAVE A THUMBS UP, share, and subscribe!
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    1 hr and 44 mins
  • Diania Merriam: EconoMe, Camino de Santiago, Financial Independence, Retiring Early & More | FRLP 108

    Diania Merriam: EconoMe, Camino de Santiago, Financial Independence, Retiring Early & More | FRLP 108
    Jun 3 2026
    What happens when financial independence gives you the freedom you always wanted—but also forces you to ask deeper questions about identity, purpose, time, health, and happiness? In this episode of the Fit Rich Life Podcast, I sit down with Diania Merriam, founder of the EconoMe Conference, for a powerful conversation about building financial freedom without postponing your life in the process. Diania shares how her dream of walking the Camino de Santiago—a 500-mile pilgrimage across Spain—became the catalyst for completely transforming her finances. After discovering the FIRE movement, she paid off $30,000 of debt in 11 months, began saving and investing roughly 60% of her income, and eventually left her corporate career in 2021. We also explore the origin story behind EconoMe, the financial independence gathering Diania created after experiencing the power of community on the Camino. She explains why pursuing a countercultural path like FI can feel lonely—and why finding people who share your values may be one of the most important accelerators of financial freedom. Diania and I also have a candid conversation about what happens after reaching financial independence: the pull to keep making more money, the identity crisis that can emerge when work becomes optional, and the importance of redirecting ambition toward health, relationships, creativity, play, and a life that feels deeply fulfilling. We discuss: • How Diania negotiated a two-month sabbatical to walk across Spain • Paying off $30,000 of debt in 11 months without feeling deprived • Why she does not believe in delayed gratification • How to train yourself to want what you already have • The story behind founding the EconoMe Conference • Why community is fuel on the path to financial independence • The difference between building wealth and building a rich life • How to navigate identity, purpose, and time freedom after leaving work • Diania's evolving relationship with fitness, strength training, running, and recovery • Her honest experience with mental health and the solutions she is currently exploring This conversation is about far more than retirement. It is about using money to buy back your time—and then having the courage to use that time to build a life you genuinely love. Connect with Diania Merriam and learn more about the EconoMe Conference: https://economeconference.com/ Get a FREE copy of my Money Guide: https://fitrichlifecoaching.com/blueprint Full Show Notes w/ Links to resources: www.fitrichlife.com/podcast/ FIT RICH LIFE NEWSLETTER Get fit, get rich, and live your best life in 10 minutes a week. Join 4,700+ smart readers who are leveling up their Fitness, Money & Life. Join here: https://fitrichlife.com/newsletter WANT TO LEARN MORE? Follow me on Instagram: https://www.instagram.com/justindavidcarl Follow me on Threads: https://www.threads.net/@justindavidcarl Follow me on Twitter/X: https://x.com/justindavidcarl Connect on LinkedIn: https://www.linkedin.com/in/justindavidcarl SHOW SPONSORS: I am incredibly passionate about Fitness and Money & have reached a substantial degree of mastery in these domains, and now I'm looking to help others do the same! Interested in taking your Fitness, Money & Life to the next level? Book your Free Consultation today or drop me a DM on Instagram https://instagram.com/justindavidcarl to coordinate a time to connect with me. From Pre-Workout to Protein, if you desire to lead a happy, healthy, fit life, go to https://vedgenutrition.com/dragon and grab your plant-based healthy essentials. Use the code DRAGON to save $$! Thanks for tuning in! If you liked my show, LEAVE A THUMBS UP, share, and subscribe!
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    2 hrs and 4 mins
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