CoastFI Couple: Money, Relationships & Financial Independence

Yana finally did it — she quit her corporate job.
But this isn't your typical "I hate my boss, I'm out" story. She actually liked her job, her team, and her manager. So why walk away?
In this episode, Matt sits down with Yana just six weeks after her last day to unpack the emotional journey of leaving a good job behind for Coast FI. They talk about the anxiety and second-guessing leading up to her two weeks' notice, strategically timing the exit around PTO and healthcare benefits, and the unexpected challenge of adjusting to life without a 9-to-5.
Yana opens up about burnout, while Matt shares the guilt he felt enjoying greater time freedom while his partner was still grinding — and why decompression after leaving work takes longer than you might expect.
They also dig into the financial side: transitioning from accumulation to decumulation, how budgeting with Qube Money gives them confidence to actually spend, and how Yana's New Year's resolution to pet 100 cats somehow turned into "Cat FI" — her post-corporate side gig pet-sitting cats exclusively.
Whether you're approaching Coast FI yourself or just starting the journey, this is a candid look at what it actually feels like to trade a steady paycheck for more time, freedom... and apparently a whole lot of peanut butter and jelly sandwiches.
Enjoyed this conversation?  Follow CoastFI Couple wherever you listen, and share this episode with someone who's wondering what life beyond the 9-to-5 could look like. 
TOOLS WE LOVE & USE

Budgeting: Qube Money 

Net Worth Tracking: Empower Personal Dashboard 

Coast FIRE Calculator: BackofNapkin.co

HSA Expense Tracking: HSA Expense Tracker

CONNECT WITH US:
Website: https://coastficouple.com
Instagram: @coastficouple
Contact us: info@coastficouple.com

DISCLAIMER:
Some links may be affiliate links, which means we may earn a commission at no additional cost to you. Our opinions are our own. CoastFI Couple is for educational and entertainment purposes only and is not financial, tax, legal, or investment advice.

#CoastFIRE #CoastFI #FinancialIndependenceRetireEarly #FIRECommunity #PersonalFinance #CouplesFinance ...

It’s been one full year since we hit CoastFI—and we’re recording this episode from the woods, camping and reflecting on everything that’s happened since Matt stepped away from the 9-to-5 grind. In this candid conversation, we open up about the emotional shifts, role reversals, and lessons we’ve learned along the way.
Matt shares the transition into being a stay-at-home dad and the unexpected physical and emotional toll, while Yana discusses stepping up as the primary income earner. We also dig into the psychological impact of stopping aggressive savings and learning to accept slower portfolio growth—without spiraling into fear.
Plus, we chat about some big highlights from the year: being interviewed on other podcasts, speaking at events, and connecting with fellow FIRE-minded folks. We share new tools we love, talk about creativity, connection, and what we’re dreaming about for retirement now that we’ve tasted the CoastFI lifestyle.
If you're wondering what life actually looks like after reaching CoastFI, this episode is for you.
TOOLS WE LOVE AND USE:
Budgeting: Qube Money (https://bit.ly/Coast_Qube) — This is the tool that simplifies everything for us and gives us full control of our money. You will love it. Use the code “COAST” to get 2-months off the Premium or Family plan when you create an account.
Coast FIRE Calculator: BackofNapkin.co (https://bit.ly/backofnapikin_CoastFI) — Our new favorite tool for determining when you can stop saving for retirement.
Net Worth Tracking: Empower Personal Dashboard (https://bit.ly/4eI9CZs)
HSA Expense Tracker: (https://bit.ly/HSATracker) — We document our healthcare expenses so we can tap our HSA at any time without penalty. Here is the tool we use.
CONNECT WITH US:
Website: https://coastficouple.com
Instagram: @coastficouple (https://bit.ly/4dIzhB1)
Contact us: info@coastficouple.com
DISCLAIMER:
Heads up, friends! This show might include affiliate links or partnerships where we earn a little something—whether it’s cash, commissions, or cool products. Rest assured, the opinions here are 100% ours and not influenced, reviewed, or approved by advertisers. Remember, we’re here to entertain and share our journey, not to give professional advice. For the serious stuff, consult a pro!
#CoastFIRE #CoastFI #FIREMovement #FIRELifestyle #FinancialIndependence #LifeAfterFI #BudgetingApp #QubeMoney #WheelOfHappiness #FIRECommunity #CoastFIYearOne #PersonalFinance #MoneyTalks

TOOLS WE LOVE & USE

Budgeting: Qube Money 

Net Worth Tracking: Empower Personal Dashboard 

Coast FIRE Calculator: BackofNapkin.co

HSA Expense Tracking: HSA Expense Tracker

CONNECT WITH US:
Website: https://coastficouple.com
Instagram: @coastficouple
Contact us: info@coastficouple.com

DISCLAIMER:
Some links may be affiliate links, which means we may earn a commission at no additional cost to you. Our opinions are our own. CoastFI Couple is for educational and entertainment purposes only and is not financial, tax, legal, or investment advice.

#CoastFIRE #CoastFI #FinancialIndependenceRetireEarly #FIRECommunity #PersonalFinance #CouplesFinance ...

In this episode of CoastFI Couple, we explore the emotional side of financial independence and how unresolved money trauma can impact couples on their journey to FIRE. Whether it’s fear of spending, hoarding, or guilt over financial success, money trauma can create hidden obstacles that derail your financial plans. We’ll discuss how couples can recognize these emotional blocks, communicate effectively about money, and align their financial goals while healing past wounds.

We’re joined by Shannah Game, host of Everyone's Talkin' Money podcast, Certified Financial Planner (CFP), and Certified Trauma of Money Specialist. Shannah shares her expertise on money trauma and offers insights from her new book, Unraveling Your Relationship with Money. Together, we discuss how couples can address money trauma in their relationships and create a financial plan that nurtures both their financial and emotional well-being.

If you're a couple looking to strengthen both your finances and your relationship while working toward FIRE, this episode is for you! Tune in for practical strategies to heal money trauma and work toward financial freedom together.

For more on healing your relationship with money, check out Shannah Game’s new book, Unraveling Your Relationship with Money here: https://amzn.to/418QwqZ

Connect with Shannah:

Instagram: @shannahgame
LinkedIn: Shannah Compton
Website: www.everyonestalkinmoney.com
TOOLS WE LOVE & USE

Budgeting: Qube Money 

Net Worth Tracking: Empower Personal Dashboard 

Coast FIRE Calculator: BackofNapkin.co

HSA Expense Tracking: HSA Expense Tracker

CONNECT WITH US:
Website: https://coastficouple.com
Instagram: @coastficouple
Contact us: info@coastficouple.com

DISCLAIMER:
Some links may be affiliate links, which means we may earn a commission at no additional cost to you. Our opinions are our own. CoastFI Couple is for educational and entertainment purposes only and is not financial, tax, legal, or investment advice.

#CoastFIRE #CoastFI #FinancialIndependenceRetireEarly #FIRECommunity #PersonalFinance #CouplesFinance ...

Welcome back to CoastFI Couple! In today’s episode, Yana and Matt dive into the stress-free way they manage money together—without spreadsheets, end-of-month surprises, or budgeting guilt.

They share how Qube Money, a revolutionary budgeting app linked to a card, transformed their finances by giving them real-time control, effortless automation, and complete peace of mind. Learn how they set up Spending, Bill, and Goal Qubes to prevent overspending, eliminate reconciliation headaches, and stop fraud before it happens—all while keeping budgeting simple and guilt-free for both spouses.

Plus, hear real-life stories of how Qube Money has helped them save smarter, avoid sneaky vendor charges, and make big financial decisions with confidence.

If you’ve ever struggled to stick to a budget or wished for an easier way to manage money as a couple, this episode is for you!

Timestamped overview:

00:00 Building an Anxiety-Free Budget
01:04 Intro and Qube Money
01:56 You Automate Savings—Why Not Automate Your Spending?
03:21 Why Living from a Spreadsheet Didn’t Work
05:00 The Right Tool to Make It to FIRE
07:20 Not Having Control of Your Expenses Slows You Down and Increases Stress
08:24 Increasing Your Savings Rate Is Easier When You Have the Right Tool
09:36 YNAB vs. Qube Money—From a Couple’s Point of View
13:15 How Qube Money Works
19:00 How We Incorporated Qube Money Into Our Financial Plan
19:55 Our Stress-Free Money Tree
22:56 Using Goal Qubes for Travel and Stress-Free Christmas Planning
24:56 Date Nights—Now Automatically Prioritized
26:24 Make Spending Guilt-Free—Even for Tightwads!
27:15 Stop Stressing About Money—Go Live Your Life!
28:10 A Good Budget Should Do 3 Things
30:55 Why Qube Money Gave Us the Confidence to CoastFI
33:01 Unrivaled Fraud Prevention… With a Debit Card!
36:16 Our Spending Qubes—What We See and Use Every Day
39:36 Quitting a Job and Using Qube to Stay on Track
41:36 How to Hack Your Bills (Meal Plans and Gym Memberships)
47:35 Our Goal Qubes and HSA Tracking
51:20 Concluding Thoughts and Final Advice
TOOLS WE LOVE & USE

Budgeting: Qube Money 

Net Worth Tracking: Empower Personal Dashboard 

Coast FIRE Calculator: BackofNapkin.co

HSA Expense Tracking: HSA Expense Tracker

CONNECT WITH US:
Website: https://coastficouple.com
Instagram: @coastficouple
Contact us: info@coastficouple.com

DISCLAIMER:
Some links may be affiliate links, which means we may earn a commission at no additional cost to you. Our opinions are our own. CoastFI Couple is for educational and entertainment purposes only and is not financial, tax, legal, or investment advice.

#CoastFIRE #CoastFI #FinancialIndependenceRetireEarly #FIRECommunity #PersonalFinance #CouplesFinance ...

Welcome back to the CoastFI Couple Podcast! In today’s episode, we’re joined by Skyler and Rebecca Fleming, a married couple of four years and proud DINKWADS (dual income, no kids -  with a dog!), to explore how they’ve built a strong financial partnership through open and intentional communication.

Skyler, a money coach and host of Money Talk with Skyler Fleming, brings his passion for finance, while Rebecca, a family medicine Physician Assistant, offers her thoughtful perspective. Fun fact: their first date included talking about money and even pulling out spreadsheets!

We dive into how family financial habits and experiences shaped their relationship with money and how they’ve learned to communicate effectively to build a future together. From balancing emotional and mathematical approaches to money, to using monthly budget meetings and tackling debt as a team, Skyler and Rebecca offer actionable tips for couples looking to strengthen trust and financial harmony in their relationships.

Join us for this fun conversation about growing together, navigating finances, and creating a strong foundation as a couple.

Connect with guests Skyler and Rebecca Fleming:
Website: moneytalkwithskylerfleming.com
Social Media: @moneytalk.skylerfleming
YouTube: Money Talk with Skyler Fleming
TOOLS WE LOVE & USE

Budgeting: Qube Money 

Net Worth Tracking: Empower Personal Dashboard 

Coast FIRE Calculator: BackofNapkin.co

HSA Expense Tracking: HSA Expense Tracker

CONNECT WITH US:
Website: https://coastficouple.com
Instagram: @coastficouple
Contact us: info@coastficouple.com

DISCLAIMER:
Some links may be affiliate links, which means we may earn a commission at no additional cost to you. Our opinions are our own. CoastFI Couple is for educational and entertainment purposes only and is not financial, tax, legal, or investment advice.

#CoastFIRE #CoastFI #FinancialIndependenceRetireEarly #FIRECommunity #PersonalFinance #CouplesFinance ...