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Fit Rich Life

Fit Rich Life

Von: 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 Management & Leadership Persönliche Entwicklung Persönlicher Erfolg Ökonomie
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  • My Fitness & Money Journey, $80K in Debt to Multi-Millionaire, Kinda Fat to Super Fit, Maximizing Net Worth to Maximizing Net Life, & More | FRLP 100

    My Fitness & Money Journey, $80K in Debt to Multi-Millionaire, Kinda Fat to Super Fit, Maximizing Net Worth to Maximizing Net Life, & More | FRLP 100
    Feb 12 2026
    In this special 100th episode of the Fit Rich Life Podcast, I'm rebroadcasting my interview from The Personal Finance Podcast with host Andrew Giancola. In this conversation, we cover both my financial independence journey and my fitness transformation — and how the same principles built both. We go deep into how I went from: • $80,000 in debt • 6 years behind on taxes • Living a "look rich" lifestyle …to becoming financially independent in just a few years by obsessively tracking the right metrics, radically increasing my savings rate, and growing my income to nearly $900K in a single year. We also unpack my fitness journey — how I went from "kinda fit, kinda fat" for 15+ years to 8–10% body fat for a decade — and why tracking body fat % is just like tracking your savings rate. This episode ties together money, fitness, discipline, obsession (channeled correctly), and ultimately — freedom. Get my FREE 29-Page Financially Fit Money Guide Get my FREE 4-day Workout Program In this episode: 00:00 – Introduction Meeting Andrew at FinCon and the "obsessive personality" superpower (and kryptonite). 03:00 – My FI Awakening (2017) Discovering Mr. Money Mustache and the article that changed everything. 05:22 – Going All-In on Financial Independence From dumpster fire finances to a laser-focused plan. 12:45 – The Big 3 Expenses Housing, transportation, food — and why optimizing these changes everything. 17:44 – Exploding My Income Getting sales coaches → $150K to $888K income in 3 years. 21:41 – My First FI Number Why $1.5M was the target — and why the goalpost kept moving. 26:35 – The Power of Savings Rate Why savings rate is the golden metric (and how 80–90% changed my timeline). 29:53 – How I Invest Total U.S. stock market, S&P 500 index funds, taxable vs retirement accounts. 32:39 – Getting My Wife On Board What NOT to do… and how Camp FI changed everything. 39:25 – Finance & Fitness Crossover Why tracking body fat % is like tracking savings rate. 48:07 – My Current Fitness Regimen Strength training, HIIT, VO2 max, Whoop age, and pickleball obsession. 54:56 – Rapid Fire Questions Golden metrics, best money advice, maximizing net worth vs. net life. FIT RICH LIFE NEWSLETTER Get fit, get rich, and live your best life in 10 minutes a week. Join thousands of 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://twitter.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 Std. und 7 Min.
  • Rusty: Buy Borrow Die, Financial Independence, Mental Health, Identity, Freedom & More | FRLP 99

    Rusty: Buy Borrow Die, Financial Independence, Mental Health, Identity, Freedom & More | FRLP 99
    Jan 29 2026
    In this episode of the Fit Rich Life Podcast, I sit down with Rusty (an anonymous guest) — a former Big Law attorney who reached financial independence at 36 and completely redesigned his life. Rusty opens up about the dark period that pushed him to reevaluate everything, from career pressure to the deeper emotional struggles he had been avoiding for years. We talk about how discovering the FIRE movement gave him a financial path out, but real freedom came from doing the inner work — therapy, boundaries, and rebuilding his identity beyond achievement. Rusty shares what it took to go from burned out and unhappy to physically fit, mentally grounded, and financially secure. We also dive into advanced wealth strategies like "buy, borrow, die," how high earners can think differently about taxes and leverage, and the practical habits that support long-term health and happiness. This is a powerful conversation about reclaiming control of your money, your mind, and your life. Get my FREE 29-Page Financially Fit Money Guide In this episode: [00:00–04:54] Rock Bottom — Career Pressure, Unhappiness & Rusty's Turning Point [04:55–15:36] Discovering FIRE — The Path to Early Retirement & Living Below Your Means [15:37–36:16] Mental Health First — Therapy, Emotional Healing & Breaking Old Patterns [36:17–56:22] Addiction, Sobriety & Self-Awareness — Reclaiming Control of Your Habits [56:23–01:11:29] Nature, Sleep & Boundaries — Rebuilding Energy and Emotional Stability [01:11:30–01:33:39] Work, Layoffs & Identity — Letting Go of Career Labels and Finding Community [01:33:40–02:11:36] The "Buy, Borrow, Die" Strategy — Leveraging Assets, Managing Risk & Tax Efficiency [02:11:37–02:25:14] Coaching, Growth & Financial Confidence — Redesigning Life After FI [02:25:15–02:34:08] Fitness, Movement & Daily Habits — Staying Strong in Retirement Key quote: "The financial independence piece and the therapy piece were really the things that dug me out of it." - Rusty 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 thousands of 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://twitter.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 $$! My favorite regenerative clothing brand is One Golden Thread. Life-giving apparel that is stylish AF, comfortable enough to sleep in & versatile enough to work out in, attend a business meeting, or take someone out on a date. It's truly sustainable & actually regenerative as they plant a tree for every purchase. Use code DRAGON11 to save 11% & support this show. Thanks for tuning in! If you liked my show, LEAVE A THUMBS UP, share, and subscribe!
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    2 Std. und 41 Min.
  • Tess Waresmith: The Power of Small Changes, Limiting Beliefs Around Money, Financial Advisors, Investing, & More | FRLP 98

    Tess Waresmith: The Power of Small Changes, Limiting Beliefs Around Money, Financial Advisors, Investing, & More | FRLP 98
    Jan 14 2026
    In this episode of the Fit Rich Life Podcast, I sit down with Tess Waresmith — accredited financial counselor and founder of Wealth with Tess. Tess shares her journey from climbing the corporate ladder to achieving financial independence and building a career centered on education, empowerment, and intentional living. We dive into the realities of personal finance most people never learn — from the hidden downsides of certain financial advisory models to understanding fees, investment risk, and taking true ownership of your money. Tess breaks down how confidence, education, and experience compound over time, and how some limiting beliefs about money can hold you back from building wealth. We also explore how her background in athletics shaped her mindset around discipline, consistency, and long-term success — in both fitness and wealth. This episode is packed with practical insights on money, systems, and redefining happiness for a truly Fit Rich Life. If you're ready to level up your life and career, this episode is for you. Connect with Tess Waresmith: Tess's Free Investing Guide: http://www.moneyconfidentclub.com/savvy Website: www.wealthwithtess.com Instagram: https://www.instagram.com/wealthwithtess/ Get my FREE 29-Page Financially Fit Money Guide In this episode: [00:00–01:12] Financial Security Foundations — Saving Money & Meeting Tess Waresmith [01:13–09:26] An Unconventional Path — Early Career Moves, Real Estate Lessons & Taking Smart Risks [09:27–29:36] The Financial Advisory World — Good, Bad & Ugly Models + Taking Control of Your Finances [29:37–52:34] Money Mindset — Childhood Influences, Limiting Beliefs & Understanding Advisor Fees [52:35–56:22] Owning Your Investments — Confidence, Experience & Breaking Up with Your Advisor [56:23–01:11:20] Leaving Corporate — Financial Independence, Career Shifts & Consistency in Fitness and Wealth [01:11:21–01:39:18] Systems, Happiness & Long-Term Fulfillment — Final Lessons & Reflections 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 3,100+ 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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    1 Std. und 40 Min.
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