It is never too early to start thinking about financial decisions you may need to make before the end of the year! Here are our top things you need to do before the end of 2024. Jump start your journey with our FREE financial resources Reach your goals faster with our products Take the relationship to the next level: become a client Subscribe on Yo…

"​​How does the FOO change if you’re self employed? My husband and I own our own businesses so we don’t have an employer match or 401K. Are there other savings methods we should be thinking about?" We'll walk you through that question and more in today's Q&A episode! Jump start your journey with our FREE financial resources Reach your goals faster …

We're launching a brand-new show! While we can’t share all the details just yet, we can tell you this: we are SO excited. And here’s the best part—you can be a part of it! Jump start your journey with our FREE financial resources Reach your goals faster with our products Take the relationship to the next level: become a client Subscribe on YouTube …

Fear plays a fascinating role in our lives, and our finances are no exception. One common fear that we see all the time that makes us so sad is the fear of investing. We know that wealth-building is available to everyone. However, so many people are missing out on getting started and investing their dollars because they are scared - or simply don’t…

"Question about budgeting - A few episodes back, Bo mentioned that how he doesn’t do budgeting anymore but cash management. How does that technically work? Just know how much left to spend each month?" We'll walk you through that question and more in today's Q&A episode! Jump start your journey with our FREE financial resources Reach your goals fas…

"Does the FOO change if student loan balance is huge? My financed loan balance is almost $300k." We'll walk you through that question and more in today's Q&A episode! Jump start your journey with our FREE financial resources Reach your goals faster with our products Take the relationship to the next level: become a client Subscribe on YouTube for e…

Reaching a million-dollar portfolio is a significant milestone. But with a growing portfolio comes growing complexity. Here are 5 wealth tips to help you manage and grow your wealth once you've hit this impressive benchmark. Jump start your journey with our FREE financial resources Reach your goals faster with our products Take the relationship to …

"My girlfriend and I are planning on moving in together early next year. I want to start fresh. Currently I have 14k in credit card debt, with roughly 16k in investments. Should I sell my investments to pay off the debt?" We'll walk you through that question and more in today's Q&A episode! Jump start your journey with our FREE financial resources …

"How do I know when I’m at the boiling point for investing?" We get that question all the time - so let's walk you through that question and more in today's Q&A episode! Jump start your journey with our FREE financial resources Reach your goals faster with our products Take the relationship to the next level: become a client Subscribe on YouTube fo…

These 10 money stats will blow your mind! We’ll discuss the unbelievable amount of money Americans save, when most reach millionaire status, and how many Americans carry a credit card balance. Jump start your journey with our FREE financial resources Reach your goals faster with our products Take the relationship to the next level: become a client …

We’re so excited to announce the launch of the Financial Mutant Survey! We want YOU to help us create this upcoming Money Guy episode and inform future content. Plus, we have some awesome, exclusive resources available as a “thank you” to everyone who participates. Go to moneyguy.com/survey to check it out! Jump start your journey with our FREE fin…

"I just started investing in my 401(k). I think I have it set up right, but it's all so new that I'm worried I'm going to miss something and make a mistake. What are some things I should look out for?" We'll walk you through that question and more in today's Q&A episode! Jump start your journey with our FREE financial resources Reach your goals fas…

"I'm 33 years old with a decent amount of debt. I'm worried about time missed out of the market so i'm maxing my Roth IRA before paying my high interest debt due to the time it would take to pay off. Thoughts?" We'll walk you through that question and more in today's Q&A episode! Jump start your journey with our FREE financial resources Reach your …

The Fed recently cut the rates by 0.5%, making the new target rate 4.75%-5.00%. Why did they cut the rate? And what does this mean for you? Let's walk through it together! Jump start your journey with our FREE financial resources Reach your goals faster with our products Take the relationship to the next level: become a client Subscribe on YouTube …

"With the Fed meeting today, and projections saying that they will drop rates a half percent, at what point should I pull the trigger and refinance?" We'll walk you through that question and more in today's Q&A episode! Jump start your journey with our FREE financial resources Reach your goals faster with our products Take the relationship to the n…

We're back to debunk even more of the biggest financial lies that we see all the time on the internet, to help you understand what’s real, what’s fake, and how to do money better. Jump start your journey with our FREE financial resources Reach your goals faster with our products Take the relationship to the next level: become a client Subscribe on …

"My 28-year old kid is getting married in December and has a 6-figure net worth. I want to make them get a prenup before they get married, but am wondering what the Money Guys think. I would hate to see their financial future slip away due to a messy divorce." We'll walk you through that question and more in today's Q&A episode! Jump start your jou…

"What should financial mutants be doing if the market seems to be on the brink of a recession?" We'll walk you through that question and more in today's Q&A episode! Jump start your journey with our FREE financial resources Reach your goals faster with our products Take the relationship to the next level: become a client Subscribe on YouTube for ea…

It can be hard to know what makes someone “wealthy” depending on where they are in their journey. So, here are some wealth checkpoints you could shoot for by the end of each decade to assess where you are on that curve. Jump start your journey with our FREE financial resources Reach your goals faster with our products Take the relationship to the n…

"With the S&P 500 being heavily leaning on the magnificent 7 tech stocks, would you still consider it well diversified?" We'll walk you through that question and more in today's Q&A episode! Jump start your journey with our FREE financial resources Reach your goals faster with our products Take the relationship to the next level: become a client Su…

"I'm 23 years old. I am about to start my first job in my career field. What are the first things you recommend someone do when starting a job to set them up for success financially?" We'll walk you through that question and more in today's Q&A episode! Jump start your journey with our FREE financial resources Reach your goals faster with our produ…

Cash is not trash… and if you aren’t making money on your cash, what are you doing?! Get in there! With hints of inflation slowing down, and talk of future rate cuts from the fed, your time to optimize on these 5%+ high-yield accounts may be limited. We want to help you make the most of it, and implement some long-term strategies that will keep you…

"At what point should I consider selling an accidental rental property? I’m making about 10% cash on cash, but it seems like a lot of work for $300 per month." We'll walk you through that question and more in today's Q&A episode! Jump start your journey with our FREE financial resources Reach your goals faster with our products Take the relationshi…

"​​I have freed up an extra $700 a month to pay off 30k (3.9%) car. Is it better to make an extra $700 payment each month or save in HYSA at 4.5% until I have enough to pay it off? The minimum payment is $580 for 60 months." We'll walk you through that question and more in today's Q&A episode! Jump start your journey with our FREE financial resourc…

We call our community Financial Mutants for a reason – they’re different than the average person. They think, behave, consume, and save in a way that is contrary to the norm. One of the most important skills we see is their ability to know that small decisions have profound effects on your financial life. We walk you through four of these small dec…

"Can we have too much in cash? My wife and I were saving for a new home, but decided to stay in our starter home instead. We have a large amount in cash now but we like the added security and flexibility to use it how we want (home renos, vacations, etc.). If we're saving and investing 25% for retirement, is there anything wrong with keeping it in …

"What can we all do to prevent identity theft besides doing things like freezing our credit? I'm not sure if you've gone over this topic before." We'll walk you through that question and more in today's Q&A episode! Jump start your journey with our FREE financial resources Reach your goals faster with our products Take the relationship to the next …

"What were your luckiest financial decisions? How much of your wealth building do you think has been about discipline vs. luck?" We'll walk you through that question and more in today's Q&A episode! Jump start your journey with our FREE financial resources Reach your goals faster with our products Take the relationship to the next level: become a c…

"My husband and I bought a home in 2021. We thought we were buying within our means, but are now overwhelmed with maintenance costs and increasing monthly payments. Do we need to move?" We'll walk you through that question and more in today's Q&A episode! Jump start your journey with our FREE financial resources Reach your goals faster with our pro…

"​​If my wife and I liquidate all assets except retirement which is around 40k, we could buy our first home in cash (300k). Should we consider this or take on a mortgage?" We'll walk you through that question and more in today's Q&A episode! Jump start your journey with our FREE financial resources Reach your goals faster with our products Take the…

Personal finance is personal. A good strategy for someone in their 20s just starting out on their wealth building journey is probably not right for someone with a million-dollar portfolio. So, we wanted to break down what might be valuable to do with your next dollar, for people at different stages of that wealth building journey. Jump start your j…

"I am so addicted to saving (30-35% savings rate) that I am worried I don't know how to turn it off. It is starting to affect my desire to enjoy today. My spouse is 30 and I am 32 and we have about $270K in retirements and $30K in a taxable brokerage. I still want to cheap out on family vacations. I feel like I have a sickness... Any advice on how …

The 401k is one of the most powerful wealth builders. However, there is a mistake people are making that could destroy their retirement. Jump start your journey with our FREE financial resources Reach your goals faster with our products Take the relationship to the next level: become a client Subscribe on YouTube for early access and go beyond the …

There are great resources out there like automated savings, savings buckets, and budgeting apps to help you know how much to save and to help with behavior. We know how to save, but one question that goes unanswered often is… how do I actually pay for these big expenses? And is it ever okay to take out loans? Jump start your journey with our FREE f…

"I'm an air traffic controller that has to retire at 56. I have TSP and 30-40% pension... but I feel like i am losing so much compound growth by forced early retirement. Any suggestions?" We'll walk you through that question and more in today's Q&A episode! Jump start your journey with our FREE financial resources Reach your goals faster with our p…

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We’re amazed at how many people do not track a few fundamental numbers when it comes to their finances. We correct that today. Buckle up to cozy up with these important numbers! Jump start your journey with our FREE financial resources Reach your goals faster with our products Take the relationship to the next level: become a client Subscribe on Yo…

"​​Increasing 401k sounds nice until you have a lean month and don’t have a good way of getting that money back. Especially when my pay varies. How do you deal with that?" We'll walk you through that question and more in today's Q&A episode! Jump start your journey with our FREE financial resources Reach your goals faster with our products Take the…

401(k) Savings rates are at an all-time high - so what's going on, and what do we think about this? Jump start your journey with our FREE financial resources Reach your goals faster with our products Take the relationship to the next level: become a client Subscribe on YouTube for early access and go beyond the podcast Connect with us on social med…

You like self-assessing, knowing you’re on the right track, and celebrating those small wins along the way. We get it, because we do, too! This week, we’re going more behavioral and really nailing down 7 milestones of cash flow - what you’re doing with your money day in and day out, regardless of the market or other factors beyond your control. Jum…

"How should I deal with social security in early retirement? I'm planning on retiring at 45, so I won't have social security for over 20 years. Can my number be lower knowing I have that coming?" We'll walk you through that question and more in today's Q&A episode! Jump start your journey with our FREE financial resources Reach your goals faster wi…

"My Dad is set to retire soon but isn’t sure he should pay off the house first. With 250k left at 2.5%, he wants to keep the money invested. Is there something besides the 2.5% rate he should consider?" We'll walk you through that question and more in today's Q&A episode! Jump start your journey with our FREE financial resources Reach your goals fa…

It’s no surprise that the media is manipulative - with politics, finances, and more. They want to grab your attention and get a click. We watched a perfect example of that play out recently. Jump start your journey with our FREE financial resources Reach your goals faster with our products Take the relationship to the next level: become a client Su…

We got a good question from Humphrey Yang: "H

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A lot of people want to retire early - or they at least want the option to. So how do you do it? Here are 3 different strategies that can help you retire early! Jump start your journey with our FREE financial resources Reach your goals faster with our products Take the relationship to the next level: become a client Subscribe on YouTube for early a…

"​​We are on track to be liquid millionaires in 1 year at ages 38 and 37. Can we reduce our retirement savings down to 20% (not maxing out 401k's), and save 2% into 529's?" We'll walk you through that question and more in today's Q&A episode! Jump start your journey with our FREE financial resources Reach your goals faster with our products Take th…

"​​My wife and I both work full time and are currently living with her parents to save up for a down payment on a house. We can afford 3% down but can also stay and save more. I don’t want to jump the gun, but being in our own home is a dream of ours. How do we decide how long to wait?" We'll walk you through that question and more in today's Q&A e…

There are other things that play into what you do with your money besides math. And that’s where personal finance starts to get personal - and complicated. We’re going to look at the most common “tug-of-war” problems or competing financial decisions that we see. Jump start your journey with our FREE financial resources Reach your goals faster with …

"​​If I have a house down payment money in the market currently and I’m looking to buy a house in 3 or so years, should I pull it out now? Or just stop continuing to put money in?" We'll walk you through that question and more in today's Q&A episode! Jump start your journey with our FREE financial resources Reach your goals faster with our products…