In this episode: debt and investing, the 4% rule, Roth 401k and traditional 401k, and total return investing. This week we are back with a listener Mail Bag featuring returning guest Rachael Camp! Together, we will be answering questions and giving our feedback on nuanced topics asked by the community! Listen along for discussions about the 4 percent rule, how taxes are factored into your FI number, investing in dividends, paying down debt versus investing, and finally a shortlist of actionable steps one could take if they are young and beginning their FI journey. There is much to discuss and so much more to learn this week as we tackle your FI questions!  Rachael Camp offers advisory Services through Creative Financial Designs, Inc., a Registered Investment Adviser, and Securities are offered through cfd Investments, Inc., a Registered Broker/Dealer, Member FINRA & SIPC, 2704 S. Goyer Rd., Kokomo, IN 46902. 765-453-9600. Camp Wealth is not affiliated with the CFD companies. 🔑 Key Themes Discussed: Introduction to Financial Independence Debt vs. Investing The 4% Rule and Taxes Roth 401k vs. Traditional 401k Dividends vs. Total Return Investing Second Generation FI 🕒 Chapters: Getting Started with FI Debt vs. Investing 4% Rule and Tax Implications Roth 401k vs. Traditional 401k Dividends vs. Total Return Investing Second Generation FI 🔗 Mentioned Links and Resources: Find Your Local ChooseFI Facebook Group Preparing for the Cost of College | Brian Eufinger | ChooseFI Ep 460 How To Test Out of College While You’re Still In High School | Millionaire Educator | ChooseFI Ep 238 How to Access Your Retirement Accounts Before 59.5 | Sean Mullaney | ChooseFI Ep 475 Subscribe to The FI Weekly! More Helpful Links and FI Resources: Top 10 Recommended Travel Rewards Credit Cards Empower: Free Dashboard to Track Your Finances CIT Bank Platinum Savings Account M1 Finance: Commission-Free Investing, 1-click rebalancing CashFreely: Maximize Your Cash Back Rewards Travel Freely: Track all your rewards cards and points Emergency Binder: For Your Family’s Essential Info (code ‘CHOOSEFI’ for 20% off) Student Loan Planner: Custom Consult (with $100 Discount) Get a cheaper phone plan with Mint Mobile