# 161. Our 91% vs. 9% of Life: 4 Lessons from 4 Years of Early Retirement Page: https://stenobird.com/podcast/inside-out-money-6358743/161-our-91-vs-9-of-life-4-lessons-from-4-years-of-early-retirement Text version: https://stenobird.com/podcast/inside-out-money-6358743/161-our-91-vs-9-of-life-4-lessons-from-4-years-of-early-retirement.md Podcast: [Inside Out Money](https://stenobird.com/podcast/inside-out-money-6358743) Published: 2026-05-03T22:03:33+00:00 Episode link: https://podcasters.spotify.com/pod/show/insideoutmoney/episodes/161--Our-91-vs--9-of-Life-4-Lessons-from-4-Years-of-Early-Retirement-e3ir5o6 Audio file: https://anchor.fm/s/ddb6b5b0/podcast/play/119428294/https%3A%2F%2Fd3ctxlq1ktw2nl.cloudfront.net%2Fstaging%2F2026-4-3%2Fade1af1c-64df-69ac-39da-e06eee6fb28f.mp3 Processing state: not_requested JSON: https://stenobird.com/v1/public/podcasts/inside-out-money-6358743/episodes/161-our-91-vs-9-of-life-4-lessons-from-4-years-of-early-retirement Duration seconds: 3541 ## Resource 161. Our 91% vs. 9% of Life: 4 Lessons from 4 Years of Early Retirement These are the four big lessons we’ve learned from four years of early retirement, and they are perhaps even more applicable to people still working. After spending 91% of our lives following the schedules of teachers, bosses, and corporate deadlines, we’ve finally completed four years of total autonomy—the exact duration of a high school or college experience. We break down the profound shifts that occur when you transition from 41 years of conditioning into a life of complete agency, revealing why it takes time to deprogram your brain. Get the full show notes, show references, and more information here: https://www.insideoutmoney.org/161-our-91-vs-9-of-life-4-lessons-from-4-years-of-early-retirement/ ## Actions - request_transcript: `POST https://stenobird.com/v1/public/podcasts/inside-out-money-6358743/episodes/161-our-91-vs-9-of-life-4-lessons-from-4-years-of-early-retirement/transcription-requests` — Idempotently request low-priority transcript generation for this episode. - read_markdown: `GET https://stenobird.com/podcast/inside-out-money-6358743/161-our-91-vs-9-of-life-4-lessons-from-4-years-of-early-retirement.md` — Read the agent-friendly Markdown representation of this episode resource. A page view does not enqueue transcription. Agents should invoke `request_transcript` explicitly when they need this episode processed. ## Transcript Full transcripts are not published on public pages unless there is a clear rights basis.