Today, I bring to you three very fun but straightforward questions. Here they are:
Question #1: @01:56
Dear Joshua, 
My wife and I are well read in the areas of index fund investing, frugal living, early retirement, and financial independence (including your podcasts).  We have been on the path to early retirement for many years and we think we are there.  We both have high stress jobs and want to quit to raise a child and do whatever interests us whether it brings additional income or not.  We want to have a significant financial cushion, but also don’t want to be so conservative that we work years longer than necessary.  We are worriers and are very conservative in our estimates.
Although we are fairly confident in our calculations for early retirement timing, we hired a fee only financial planner for an outside opinion, and the experience was positive, but we believe the timing recommended was extremely conservative (4 years from now without a child; 5-6 years from now with a child).  We have a very good handle on our spending as we have been tracking it closely for several years.
The financial planner did not seem to understand our frugal lifestyle and rather than reducing our current spending by the “cost of working” that we clearly communicated, he added $15,000 per year to our current spending, which significantly changes the projections for retirement.  The explanation given was to account for “unexpected expenses”, but that amounts to >$20,000 per year in excess of our retirement spending estimate below.  We would be very grateful for your opinion of our plan to retire NOW, given the following data, which we have abbreviated to the most important points.
Ages: Him-45, Her-37
Debts: None (own a house and 2 cars free and clear)
Assets ($1,300,646)$714,200 – His/Her TSP (Federal 401k)$347,554 – Taxable Account (Vanguard Index Funds)$216,165 – Cash/I-Bonds$22,727 – His/Her Roth IRA$31,000 – His Pension (starting at age 60)$6,000 – Her Pension (starting at age 62)(Minimum of $100,000 net after moving and downsizing our house – not included in assets total above) 
Asset Allocation:40% Total US Stock Market (Vanguard/TSP Index Funds)12% Total International Stock Market (Vanguard/TSP Index Funds)33% Bonds (TSP G Fund)15% Cash (CDs)
Spending:
Current Spending: $45,000Retirement spending estimate $37,000*This is after removing the easily calculated “costs of working” ($10,000 in property tax!; $3,000 in gas!) and adding estimated cost of health insurance ($5000?)Note: We will be moving from a very high cost area (suburban Chicago) to a very low cost area (rural Florida)
Question #2 @26:20
Joshua,
Came across your podcast and dig the advice/honesty.
I've read numerous articles encouraging the use of fee-based financial advisors but haven't had a lot of luck finding the right person.. discouragement set in after numerous canned responses/what seemed like aggressive sales tactics.
I made somewhat of a half ass attempt in my early 20s with regularly maxing out a roth/always contributing enough to various company 401k to get the contribution match.
I've not paid a lot of attention and recently realized I'm holding roughly 50% of my total assets in a standard savings account yielding only 1%.
Without pulling the actual figures that'd be ~90k in retirement accounts Roth/Traditional rollover and ~90k in straight up cash... terrible I know.
My question is how do i fix/prevent it? I currently have one investment property with a mortgage that's less than what it's leasing for.
I see a couple fix it options:
Buy another house 
Pay down existing mortgage
Invest outside of a retirement account
I believe adjusting my 401k contribution may be a start to preventing it but what about after I max it out?
I don't mind paying for advice but what I really want is someone that's hands on/up to date.. helping me get the most out of my money.
Question #3: @46:37
Joshua
My name is Joe and I’m 24 years old.  I’ve been listening to your show for a while n