230 : Finding Enough & Overcoming Fear & One More Year Syndrome with Alan & Katie Donegan
In this episode: “one more year” syndrome, defining enough, optimizing for pain vs pleasure, journaling + self-compassion, Rebel Finance School with Alan & Katie Donegan
Episode Summary
Alan and Katie Donegan unpack why people keep working “one more year” even when the math says they have enough—often because fear and identity (not logic) are driving the decision. They share simple mindfulness tools (journaling, compassionate awareness, and focusing on what you want) and explain Rebel Finance School, their free 10‑week course that helps beginners take control of spending, debt, investing, and retirement planning.
Guest Bio
Alan and Katie Donegan created Rebel Finance School, a free annual personal finance course designed to make FI fundamentals approachable for beginners.
Resources & Books Mentioned
Guest Contact Information
Key Takeaways
- Ask “What am I optimizing for?” to catch when fear is quietly steering a “one more year” choice.
- Mapping pain vs pleasure associations around retirement reveals the real blocker beneath the surface excuse.
- Journaling “freezes” swirling thoughts so you can evaluate them instead of obeying them.
- Self-compassion turns awareness into change: notice the story, question it, and choose what to water instead.
Join the Mindful FIRE Legends community at MindfulFIRE.org/join.
PS: Introducing the… 🔥 FIRE Starter Group Coaching Program
You did the “money” part. You saved, invested, and built real options. But if you’re being honest… FU money alone isn’t enough—and you might still feel stuck in “one more year syndrome,” unclear on what you actually want next.
In 10 weeks or less, we’ll help you get clear on what you want—and start living it now—using envisioning, mindfulness, and practical mini-experiments (not endless overthinking).
Interested? Let’s chat: https://mindfulfire.org/chat
🔥 WHO I’m creating this for
This is for you if you’re at or near FI (Coast FI or full FIRE) and:
- You feel stuck after “doing everything right,” but you’re not sure what you’re optimizing for anymore.
- You’re caught between freedom and overwhelm (“I could do anything… so I do nothing”).
- You want clarity and momentum—but you don’t want someone to tell you what to do.
🔥 WHAT we’ll do together (over 10 weeks)
In a small group (mastermind-style), you’ll:
- Get clear on what you actually want (beyond expectations, comparison, and “shoulds”).
- Create a big, meaningful vision for your next chapter—one that fits who you are now.
- Learn the brain science behind envisioning (why it works, and how to use it).
- Turn yo...