Brian Preston's "Money Guy" Blog and Podcast

"Wife and I are both 27. We are at about $100k liquid net worth. We started 6 years ago but are both becoming misers! We get terrible spending anxiety. How do we overcome this and give ourselves some slack? "

We'll walk you through that question and more in today's Q&A episode!

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Bring confidence to your wealth building with simplified strategies from The Money Guy. Learn how to apply financial tactics that go beyond common sense and help you reach your money goals faster. Make your assets do the heavy lifting so you can quit worrying and start living a more fulfilled life.

"I'm 52 and looking to retire in the next 5ish years. My wife is 61, but I'm the higher earner. What should we think about on when to draw Social Security for each of us? "

We'll walk you through that question and more in today's Q&A episode!

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Bring confidence to your wealth building with simplified strategies from The Money Guy. Learn how to apply financial tactics that go beyond common sense and help you reach your money goals faster. Make your assets do the heavy lifting so you can quit worrying and start living a more fulfilled life.

It seems to be pretty accepted that $1M is not enough to retire or reach Financial Independence for the majority of Americans- especially under the age of 55. When we talk about how much you save to reach $1M, we talk about it as a milestone on your path toward Financial Independence. So - is $1M enough for retirement?

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Bring confidence to your wealth building with simplified strategies from The Money Guy. Learn how to apply financial tactics that go beyond common sense and help you reach your money goals faster. Make your assets do the heavy lifting so you can quit worrying and start living a more fulfilled life.

"I’m obsessed with checking my accounts daily, and I have major FOMO if I don’t. Is there a downside to Dollar Cost Averaging daily instead of on a less frequent basis? "

We'll walk you through that question and more in today's Q&A episode!

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Bring confidence to your wealth building with simplified strategies from The Money Guy. Learn how to apply financial tactics that go beyond common sense and help you reach your money goals faster. Make your assets do the heavy lifting so you can quit worrying and start living a more fulfilled life.

"​​Even though I'm maxing out my 401(k) at work I don't feel like I'm saving enough. How do you deal with this feeling? "

We'll walk you through that question and more in today's Q&A episode!

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Bring confidence to your wealth building with simplified strategies from The Money Guy. Learn how to apply financial tactics that go beyond common sense and help you reach your money goals faster. Make your assets do the heavy lifting so you can quit worrying and start living a more fulfilled life.

We hear a lot of personal finance creators - and the American populace more broadly - talk about home ownership like it’s some one-way ticket to the good life.

But the truth is in fact a lot more complicated than that. So we’re gonna dive into the numbers and show you how to assess the factors specific to your life, so that you can make a more informed decision along your path to wealth.

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Bring confidence to your wealth building with simplified strategies from The Money Guy. Learn how to apply financial tactics that go beyond common sense and help you reach your money goals faster. Make your assets do the heavy lifting so you can quit worrying and start living a more fulfilled life.

"My fiancée is graduating from med school in two years and will have 300k in loans before she starts residency (50k/year). I make 200k a year. How do we handle it while saving for a home/wedding? "

We'll walk you through that question and more in today's Q&A episode!

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Bring confidence to your wealth building with simplified strategies from The Money Guy. Learn how to apply financial tactics that go beyond common sense and help you reach your money goals faster. Make your assets do the heavy lifting so you can quit worrying and start living a more fulfilled life.

"Open Enrollment Question: When might an HSA/high deductible plan NOT be a good idea? What should I consider? I currently have a low deductible plan but pay a higher monthly premium. "

We'll walk you through that question and more in today's Q&A episode!

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Bring confidence to your wealth building with simplified strategies from The Money Guy. Learn how to apply financial tactics that go beyond common sense and help you reach your money goals faster. Make your assets do the heavy lifting so you can quit worrying and start living a more fulfilled life.

We know that debt can be dangerous. It can turn compound interest from your strongest ally into your fiercest foe. But we also know that financial mutants are optimizers. And in the right hands, certain types of debt can be a very valuable tool in your wealth building journey.

So, we’re going to take you through a few common types of debt and their ins and outs to make sure you are best using these tools to your advantage.

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Bring confidence to your wealth building with simplified strategies from The Money Guy. Learn how to apply financial tactics that go beyond common sense and help you reach your money goals faster. Make your assets do the heavy lifting so you can quit worrying and start living a more fulfilled life.

"I would love to hear the money guys talk about starting a business and what the boiling point is to set up an official LLC, give similar FOO advice for business financials, etc. "

We'll walk you through that question and more in today's Q&A episode!

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Bring confidence to your wealth building with simplified strategies from The Money Guy. Learn how to apply financial tactics that go beyond common sense and help you reach your money goals faster. Make your assets do the heavy lifting so you can quit worrying and start living a more fulfilled life.

These are some tax changes you can’t afford to miss. November is the time for year-end tax planning. The IRS has recently released new, inflation-adjusted contribution limits and tax brackets for 2025 - including some really exciting additions from SECURE 2.0.

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Bring confidence to your wealth building with simplified strategies from The Money Guy. Learn how to apply financial tactics that go beyond common sense and help you reach your money goals faster. Make your assets do the heavy lifting so you can quit worrying and start living a more fulfilled life.

Brian and Bo take on some of the craziest tax advice we've found on TikTok!

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Bring confidence to your wealth building with simplified strategies from The Money Guy. Learn how to apply financial tactics that go beyond common sense and help you reach your money goals faster. Make your assets do the heavy lifting so you can quit worrying and start living a more fulfilled life.

"My wife and I are in the messy middle. These times are crazy. What advice do you have to organize life and get through this season? "

We'll walk you through that question and more in today's Q&A episode!

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Bring confidence to your wealth building with simplified strategies from The Money Guy. Learn how to apply financial tactics that go beyond common sense and help you reach your money goals faster. Make your assets do the heavy lifting so you can quit worrying and start living a more fulfilled life.

Investopedia recently published a report stating they expect the average annual return over the next decade to shrink. It sure sounds a lot like what Vanguard said at the end of 2021. But were they right?

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Bring confidence to your wealth building with simplified strategies from The Money Guy. Learn how to apply financial tactics that go beyond common sense and help you reach your money goals faster. Make your assets do the heavy lifting so you can quit worrying and start living a more fulfilled life.

It’s the show you’ve all been waiting for!

As always, we show you the numbers here at the Money Guy show, and that’s exactly what we’re gonna do today. We’re going to take you through the life of a financial mutant! So, let’s jump right in.

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Bring confidence to your wealth building with simplified strategies from The Money Guy. Learn how to apply financial tactics that go beyond common sense and help you reach your money goals faster. Make your assets do the heavy lifting so you can quit worrying and start living a more fulfilled life.

"​​​​My wife and I are expecting a baby in March next year. She makes a significant part of our income and will be on maternity leave for about 3 months. What is the best way for us to prepare financially? "

We'll walk you through that question and more in today's Q&A episode!

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Bring confidence to your wealth building with simplified strategies from The Money Guy. Learn how to apply financial tactics that go beyond common sense and help you reach your money goals faster. Make your assets do the heavy lifting so you can quit worrying and start living a more fulfilled life.

"​​My friend is underwater on their BMW. They always seem to be servicing it and can't afford to maintain it anymore, but it's valued at $43k and his loan is $58k. What do you think about when deciding how to handle an underwater car loan? "

We'll walk you through that question and more in today's Q&A episode!

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Bring confidence to your wealth building with simplified strategies from The Money Guy. Learn how to apply financial tactics that go beyond common sense and help you reach your money goals faster. Make your assets do the heavy lifting so you can quit worrying and start living a more fulfilled life.

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.

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Bring confidence to your wealth building with simplified strategies from The Money Guy. Learn how to apply financial tactics that go beyond common sense and help you reach your money goals faster. Make your assets do the heavy lifting so you can quit worrying and start living a more fulfilled life.

"​​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!

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Bring confidence to your wealth building with simplified strategies from The Money Guy. Learn how to apply financial tactics that go beyond common sense and help you reach your money goals faster. Make your assets do the heavy lifting so you can quit worrying and start living a more fulfilled life.

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!

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Bring confidence to your wealth building with simplified strategies from The Money Guy. Learn how to apply financial tactics that go beyond common sense and help you reach your money goals faster. Make your assets do the heavy lifting so you can quit worrying and start living a more fulfilled life.

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 understand it.

We’re going to fix that today.

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Bring confidence to your wealth building with simplified strategies from The Money Guy. Learn how to apply financial tactics that go beyond common sense and help you reach your money goals faster. Make your assets do the heavy lifting so you can quit worrying and start living a more fulfilled life.

"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!

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Bring confidence to your wealth building with simplified strategies from The Money Guy. Learn how to apply financial tactics that go beyond common sense and help you reach your money goals faster. Make your assets do the heavy lifting so you can quit worrying and start living a more fulfilled life.

"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!

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Bring confidence to your wealth building with simplified strategies from The Money Guy. Learn how to apply financial tactics that go beyond common sense and help you reach your money goals faster. Make your assets do the heavy lifting so you can quit worrying and start living a more fulfilled life.

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.

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Bring confidence to your wealth building with simplified strategies from The Money Guy. Learn how to apply financial tactics that go beyond common sense and help you reach your money goals faster. Make your assets do the heavy lifting so you can quit worrying and start living a more fulfilled life.

"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!

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Bring confidence to your wealth building with simplified strategies from The Money Guy. Learn how to apply financial tactics that go beyond common sense and help you reach your money goals faster. Make your assets do the heavy lifting so you can quit worrying and start living a more fulfilled life.

"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!

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Bring confidence to your wealth building with simplified strategies from The Money Guy. Learn how to apply financial tactics that go beyond common sense and help you reach your money goals faster. Make your assets do the heavy lifting so you can quit worrying and start living a more fulfilled life.

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.

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Bring confidence to your wealth building with simplified strategies from The Money Guy. Learn how to apply financial tactics that go beyond common sense and help you reach your money goals faster. Make your assets do the heavy lifting so you can quit worrying and start living a more fulfilled life.

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!

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Bring confidence to your wealth building with simplified strategies from The Money Guy. Learn how to apply financial tactics that go beyond common sense and help you reach your money goals faster. Make your assets do the heavy lifting so you can quit worrying and start living a more fulfilled life.

"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!

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Bring confidence to your wealth building with simplified strategies from The Money Guy. Learn how to apply financial tactics that go beyond common sense and help you reach your money goals faster. Make your assets do the heavy lifting so you can quit worrying and start living a more fulfilled life.

"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!

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Bring confidence to your wealth building with simplified strategies from The Money Guy. Learn how to apply financial tactics that go beyond common sense and help you reach your money goals faster. Make your assets do the heavy lifting so you can quit worrying and start living a more fulfilled life.

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!

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Bring confidence to your wealth building with simplified strategies from The Money Guy. Learn how to apply financial tactics that go beyond common sense and help you reach your money goals faster. Make your assets do the heavy lifting so you can quit worrying and start living a more fulfilled life.

"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!

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Bring confidence to your wealth building with simplified strategies from The Money Guy. Learn how to apply financial tactics that go beyond common sense and help you reach your money goals faster. Make your assets do the heavy lifting so you can quit worrying and start living a more fulfilled life.

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.

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Bring confidence to your wealth building with simplified strategies from The Money Guy. Learn how to apply financial tactics that go beyond common sense and help you reach your money goals faster. Make your assets do the heavy lifting so you can quit worrying and start living a more fulfilled life.

"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!

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Bring confidence to your wealth building with simplified strategies from The Money Guy. Learn how to apply financial tactics that go beyond common sense and help you reach your money goals faster. Make your assets do the heavy lifting so you can quit worrying and start living a more fulfilled life.

"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!

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Bring confidence to your wealth building with simplified strategies from The Money Guy. Learn how to apply financial tactics that go beyond common sense and help you reach your money goals faster. Make your assets do the heavy lifting so you can quit worrying and start living a more fulfilled life.

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.

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Bring confidence to your wealth building with simplified strategies from The Money Guy. Learn how to apply financial tactics that go beyond common sense and help you reach your money goals faster. Make your assets do the heavy lifting so you can quit worrying and start living a more fulfilled life.

"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!

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Bring confidence to your wealth building with simplified strategies from The Money Guy. Learn how to apply financial tactics that go beyond common sense and help you reach your money goals faster. Make your assets do the heavy lifting so you can quit worrying and start living a more fulfilled life.

"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!

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Bring confidence to your wealth building with simplified strategies from The Money Guy. Learn how to apply financial tactics that go beyond common sense and help you reach your money goals faster. Make your assets do the heavy lifting so you can quit worrying and start living a more fulfilled life.

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 your money working for you.

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Bring confidence to your wealth building with simplified strategies from The Money Guy. Learn how to apply financial tactics that go beyond common sense and help you reach your money goals faster. Make your assets do the heavy lifting so you can quit worrying and start living a more fulfilled life.

"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!

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Bring confidence to your wealth building with simplified strategies from The Money Guy. Learn how to apply financial tactics that go beyond common sense and help you reach your money goals faster. Make your assets do the heavy lifting so you can quit worrying and start living a more fulfilled life.

"​​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!

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Bring confidence to your wealth building with simplified strategies from The Money Guy. Learn how to apply financial tactics that go beyond common sense and help you reach your money goals faster. Make your assets do the heavy lifting so you can quit worrying and start living a more fulfilled life.

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 decisions and talk about how a seemingly dismissible difference can turn into a difference of millions of dollars in the future!

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Bring confidence to your wealth building with simplified strategies from The Money Guy. Learn how to apply financial tactics that go beyond common sense and help you reach your money goals faster. Make your assets do the heavy lifting so you can quit worrying and start living a more fulfilled life.

"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 cash? "

We'll walk you through that question and more in today's Q&A episode!

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Bring confidence to your wealth building with simplified strategies from The Money Guy. Learn how to apply financial tactics that go beyond common sense and help you reach your money goals faster. Make your assets do the heavy lifting so you can quit worrying and start living a more fulfilled life.

"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!

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Bring confidence to your wealth building with simplified strategies from The Money Guy. Learn how to apply financial tactics that go beyond common sense and help you reach your money goals faster. Make your assets do the heavy lifting so you can quit worrying and start living a more fulfilled life.

"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!

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Bring confidence to your wealth building with simplified strategies from The Money Guy. Learn how to apply financial tactics that go beyond common sense and help you reach your money goals faster. Make your assets do the heavy lifting so you can quit worrying and start living a more fulfilled life.

"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!

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"​​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? "

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Bring confidence to your wealth building with simplified strategies from The Money Guy. Learn how to apply financial tactics that go beyond common sense and help you reach your money goals faster. Make your assets do the heavy lifting so you can quit worrying and start living a more fulfilled life.

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.

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"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 to know when enough is enough?

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Bring confidence to your wealth building with simplified strategies from The Money Guy. Learn how to apply financial tactics that go beyond common sense and help you reach your money goals faster. Make your assets do the heavy lifting so you can quit worrying and start living a more fulfilled life.

The 401k is one of the most powerful wealth builders. However, there is a mistake people are making that could destroy their retirement.

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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?

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"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? "

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Bring confidence to your wealth building with simplified strategies from The Money Guy. Learn how to apply financial tactics that go beyond common sense and help you reach your money goals faster. Make your assets do the heavy lifting so you can quit worrying and start living a more fulfilled life.

"I saw your article on inflation slowing down - Do I need to start moving my cash out of my HYSA and lock in the high interest rates? Or should I wait for the rate cuts? What would you recommend moving it to? "

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Bring confidence to your wealth building with simplified strategies from The Money Guy. Learn how to apply financial tactics that go beyond common sense and help you reach your money goals faster. Make your assets do the heavy lifting so you can quit worrying and start living a more fulfilled life.

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!

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"​​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? "

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Bring confidence to your wealth building with simplified strategies from The Money Guy. Learn how to apply financial tactics that go beyond common sense and help you reach your money goals faster. Make your assets do the heavy lifting so you can quit worrying and start living a more fulfilled life.

401(k) Savings rates are at an all-time high - so what's going on, and what do we think about this?

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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.

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"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? "

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Bring confidence to your wealth building with simplified strategies from The Money Guy. Learn how to apply financial tactics that go beyond common sense and help you reach your money goals faster. Make your assets do the heavy lifting so you can quit worrying and start living a more fulfilled life.

"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? "

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Bring confidence to your wealth building with simplified strategies from The Money Guy. Learn how to apply financial tactics that go beyond common sense and help you reach your money goals faster. Make your assets do the heavy lifting so you can quit worrying and start living a more fulfilled life.

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.

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We got a good question from Humphrey Yang:

"How do you catch up if you're on the older side (45+) with very little retirement savings. I'm never sure what to tell people... "

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Bring confidence to your wealth building with simplified strategies from The Money Guy. Learn how to apply financial tactics that go beyond common sense and help you reach your money goals faster. Make your assets do the heavy lifting so you can quit worrying and start living a more fulfilled life.

"I recall hearing the guys talk about graduating from budgeting to cash flow management. Any details/advise for making this transition? We lean heavily on our budget, but are probably in a financial position (with savings on autopilot) where we don't need to be so granular. Thanks! "

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Bring confidence to your wealth building with simplified strategies from The Money Guy. Learn how to apply financial tactics that go beyond common sense and help you reach your money goals faster. Make your assets do the heavy lifting so you can quit worrying and start living a more fulfilled life.

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!

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"​​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? "

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Bring confidence to your wealth building with simplified strategies from The Money Guy. Learn how to apply financial tactics that go beyond common sense and help you reach your money goals faster. Make your assets do the heavy lifting so you can quit worrying and start living a more fulfilled life.

"​​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? "

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Bring confidence to your wealth building with simplified strategies from The Money Guy. Learn how to apply financial tactics that go beyond common sense and help you reach your money goals faster. Make your assets do the heavy lifting so you can quit worrying and start living a more fulfilled life.

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.

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"​​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? "

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Bring confidence to your wealth building with simplified strategies from The Money Guy. Learn how to apply financial tactics that go beyond common sense and help you reach your money goals faster. Make your assets do the heavy lifting so you can quit worrying and start living a more fulfilled life.

"​​So I’m saving for a new house, should we do any upgrades to our current house to get more out of the sale or sell as is? It’s currently paid off and probably valued around 200k. "

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Bring confidence to your wealth building with simplified strategies from The Money Guy. Learn how to apply financial tactics that go beyond common sense and help you reach your money goals faster. Make your assets do the heavy lifting so you can quit worrying and start living a more fulfilled life.

Does the upcoming election have an impact on you financial life?

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"​​What are the goals after Step 9? Also, at what step can you consider fun money? "

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"Im 24 years old - how can I approach my 13k credit card debt? I have roughly 30k in assets. I was thinking a balance transfer to maximize 0 interested for 21 months? Thoughts? "

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Bring confidence to your wealth building with simplified strategies from The Money Guy. Learn how to apply financial tactics that go beyond common sense and help you reach your money goals faster. Make your assets do the heavy lifting so you can quit worrying and start living a more fulfilled life.

Personal finance is personal, and so are financial advisors. We walk you through everything you need to know about financial advisors: their cost, their value, when you should consider hiring one – and when you shouldn’t.

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"I'm 42 and want to retire early at 45. I’ve stress-tested my plan and everything looks okay, but I’m having a hard time mentally stepping away from the job. I know I want to spend more time with my kids (they’re my ‘why’).So why is it so hard to make the switch?"

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Bring confidence to your wealth building with simplified strategies from The Money Guy. Learn how to apply financial tactics that go beyond common sense and help you reach your money goals faster. Make your assets do the heavy lifting so you can quit worrying and start living a more fulfilled life.

"​​How long is it acceptable to drop my retirement contributions to save up for a home? Is 2 years too long while only investing 5% to receive match? 30yrs old, no debt, 120k in my Roth 401k "

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Bring confidence to your wealth building with simplified strategies from The Money Guy. Learn how to apply financial tactics that go beyond common sense and help you reach your money goals faster. Make your assets do the heavy lifting so you can quit worrying and start living a more fulfilled life.

We're all for aggressive retirement savings. However, it’s important to acknowledge that there’s a point where the financial mutant starts to move to the dark side and becomes… the financial miser. Here are four signs you’re starting to move to the dark side.

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"I'm on Step 4 of the FOO and it’s feeling like this may take many many months, if not a year to just save 3 months of an emergency reserve. Is this normal for most people? Am I missing something? "

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"I have had to tap into my Emergency fund. I still have roughly 1.5 month of expenses still in savings. So my question is do I pause my investing to save back up or do I just not invest as much? "

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Bring confidence to your wealth building with simplified strategies from The Money Guy. Learn how to apply financial tactics that go beyond common sense and help you reach your money goals faster. Make your assets do the heavy lifting so you can quit worrying and start living a more fulfilled life.

Today we're talking about five of the most impactful financial decisions we made that changed our lives tremendously. These are all things that you can do, and skills that you can learn and apply in your own way to your life.

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"I’m self-employed and the vehicle I drive is 100% work-related. I’m not trying to buy anything new, but I will need a car that’s somewhat expensive. Can I break 20/3/8 since it will be depreciated over 6 years? "

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Bring confidence to your wealth building with simplified strategies from The Money Guy. Learn how to apply financial tactics that go beyond common sense and help you reach your money goals faster. Make your assets do the heavy lifting so you can quit worrying and start living a more fulfilled life.

"We're planning to retire early, starting in about 10 years. We want to pay off our home before early retirement. Would it be smarter to pour all our money into investments and pay off home at the end? "

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Bring confidence to your wealth building with simplified strategies from The Money Guy. Learn how to apply financial tactics that go beyond common sense and help you reach your money goals faster. Make your assets do the heavy lifting so you can quit worrying and start living a more fulfilled life.

Would it surprise you to know that a lot of what you've been told about the rich is likely wrong? In today's episode, we're taking a deep dive into the minds of the wealthy to figure out who they are, what their habits are, and what YOU can do to become like them.

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Bring confidence to your wealth building with simplified strategies from The Money Guy. Learn how to apply financial tactics that go beyond common sense and help you reach your money goals faster. Make your assets do the heavy lifting so you can quit worrying and start living a more fulfilled life.

We get asked all the time about how much you should invest in your 401(k). Is just getting your employer match enough, or do you need to save more?

We'll walk you through that question and more in today's Q&A episode!

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Bring confidence to your wealth building with simplified strategies from The Money Guy. Learn how to apply financial tactics that go beyond common sense and help you reach your money goals faster. Make your assets do the heavy lifting so you can quit worrying and start living a more fulfilled life.

"​​Is home ownership really a 'good' investment? What does building equity even mean? Is renting forever really a bad thing in this economy? "

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Bring confidence to your wealth building with simplified strategies from The Money Guy. Learn how to apply financial tactics that go beyond common sense and help you reach your money goals faster. Make your assets do the heavy lifting so you can quit worrying and start living a more fulfilled life.

Wealthy Americans have tools to build wealth that everyone isn't aware of, and they may not be what you think. In this episode, we expose the top wealth-building secrets of the 1% and how you can implement them in your own life.

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"I keep hearing that they economy is going to crash, that I'll never own a home, and that retirement is impossible... It's hard to stay positive with everyone telling me that we're doomed. Will things ever turn around? How can I make sure I'm still able to reach success? "

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Bring confidence to your wealth building with simplified strategies from The Money Guy. Learn how to apply financial tactics that go beyond common sense and help you reach your money goals faster. Make your assets do the heavy lifting so you can quit worrying and start living a more fulfilled life.

"Should we sell our house to pay off our student loans? We are in our 30s, no retirement or savings, and our mortgage is 34% of our take home pay. "

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Bring confidence to your wealth building with simplified strategies from The Money Guy. Learn how to apply financial tactics that go beyond common sense and help you reach your money goals faster. Make your assets do the heavy lifting so you can quit worrying and start living a more fulfilled life.

We've got a special treat for all of you podcast listeners! Here's an EXCLUSIVE sneak peek of Brian's audiobook version of his new book, Millionaire Mission: A 9-Step System to Level Up Your Finances and Build Wealth.

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Bring confidence to your wealth building with simplified strategies from The Money Guy. Learn how to apply financial tactics that go beyond common sense and help you reach your money goals faster. Make your assets do the heavy lifting so you can quit worrying and start living a more fulfilled life.

"We want to buy our dream house, but we'll have to go past 25% gross income to do it. Are we allowed to break the Money Guy housing rule if we're saving well over 25% for retirement? "

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Bring confidence to your wealth building with simplified strategies from The Money Guy. Learn how to apply financial tactics that go beyond common sense and help you reach your money goals faster. Make your assets do the heavy lifting so you can quit worrying and start living a more fulfilled life.

"Your neighbors down the road say to stop everything and pile up cash when expecting a child. What is the Money Guys' advice for upcoming Financial Mutant Parents? "

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Bring confidence to your wealth building with simplified strategies from The Money Guy. Learn how to apply financial tactics that go beyond common sense and help you reach your money goals faster. Make your assets do the heavy lifting so you can quit worrying and start living a more fulfilled life.

Americans might be bad with money, but you don’t have to be.

With a bit of education, discipline, and mindset shifts, you can change how you think and act with money. You can build your more beautiful tomorrow no matter what’s going on around you.

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Bring confidence to your wealth building with simplified strategies from The Money Guy. Learn how to apply financial tactics that go beyond common sense and help you reach your money goals faster. Make your assets do the heavy lifting so you can quit worrying and start living a more fulfilled life.

"I started a side-hustle a few years ago. It has been extremely successful, especially just in the past year. So much so that I need to organize it and turn it from a side-hustle/hobby and into a "true business." What tips do you have when deciding how to structure the business, pitfalls to look out for, how to think about benefits/retirement, taxes, etc.? "

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Bring confidence to your wealth building with simplified strategies from The Money Guy. Learn how to apply financial tactics that go beyond common sense and help you reach your money goals faster. Make your assets do the heavy lifting so you can quit worrying and start living a more fulfilled life.

"Do you have any parameters for determining whether my wife can become a stay at home mom? Income would go from $150k to $70k. No mortgage or debt of any kind. "

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Bring confidence to your wealth building with simplified strategies from The Money Guy. Learn how to apply financial tactics that go beyond common sense and help you reach your money goals faster. Make your assets do the heavy lifting so you can quit worrying and start living a more fulfilled life.

Over the years, we’ve given you a lot of different “milestone” markers to help keep you on track. Since a lot of us mutants are over-achievers, hitting those goals can be not just rewarding, but crucial to keep us going on our financial journey. There is no one right plan. In fact, there are a few of these that you may hit out of order in your journey. However, these are all important steps in the wealth-building journey that signify meaningful accomplishments, and are points where your relationship with money will likely change.

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Bring confidence to your wealth building with simplified strategies from The Money Guy. Learn how to apply financial tactics that go beyond common sense and help you reach your money goals faster. Make your assets do the heavy lifting so you can quit worrying and start living a more fulfilled life.

"My wife and I make $250k a year at 26 years old, and we have lost the ability to put money into our Roth IRA. We have a fully funded emergency fund, Roth 401(k), and were funding Roth IRA. What do you suggest we do now? "

We'll walk you through that question and more in today's Q&A episode!

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Bring confidence to your wealth building with simplified strategies from The Money Guy. Learn how to apply financial tactics that go beyond common sense and help you reach your money goals faster. Make your assets do the heavy lifting so you can quit worrying and start living a more fulfilled life.

"​​How would you guys decide whether to finance or buy a car in cash? We’re 37 years old and on step 8, and we have $100k in a taxable brokerage. A used car would take a nice chunk out of that at today’s prices. "

We'll walk you through that question and more in today's Q&A episode!

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Bring confidence to your wealth building with simplified strategies from The Money Guy. Learn how to apply financial tactics that go beyond common sense and help you reach your money goals faster. Make your assets do the heavy lifting so you can quit worrying and start living a more fulfilled life.

Today, we’ll walk you through the top 4 problems that people think will disappear when you become rich. Then we’ll show you how to do things the right way, so you can build toward abundance. We want to bring light to this “dark side” of being a millionaire, and equip you with the tools to do better so that you can truly use money as a tool to live your more beautiful tomorrow.

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Bring confidence to your wealth building with simplified strategies from The Money Guy. Learn how to apply financial tactics that go beyond common sense and help you reach your money goals faster. Make your assets do the heavy lifting so you can quit worrying and start living a more fulfilled life.

We recently found out that the number one financial regret of Americans is not saving early enough for retirement. We get where the guilt is coming from, and if you're feeling it, you're not alone. So here's what you can do about it today!

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Bring confidence to your wealth building with simplified strategies from The Money Guy. Learn how to apply financial tactics that go beyond common sense and help you reach your money goals faster. Make your assets do the heavy lifting so you can quit worrying and start living a more fulfilled life.

"We hope to buy a home. Even following your methods (20% down,

We'll walk you through that question and more in today's Q&A episode!

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Bring confidence to your wealth building with simplified strategies from The Money Guy. Learn how to apply financial tactics that go beyond common sense and help you reach your money goals faster. Make your assets do the heavy lifting so you can quit worrying and start living a more fulfilled life.

Are you doing better than the average American at saving in your 401(k)? We'll talk about basics of a 401(k), including new limits, employer matches, and vesting schedules, how many millionaires are created by 401(k)s, and of course the average 401(k) balance by age.

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Bring confidence to your wealth building with simplified strategies from The Money Guy. Learn how to apply financial tactics that go beyond common sense and help you reach your money goals faster. Make your assets do the heavy lifting so you can quit worrying and start living a more fulfilled life.

"I have a horrible 401k. My employer doesn't give any match and the fees are close to 1.5%. I've tried to talk to HR about switching providers, but they won't budge. Should I get the tax deduction and then roll the money immediately into an IRA? Or just skip it and contribute to a taxable brokerage for now? "

We'll walk you through that question and more in today's Q&A episode!

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Take the relationship to the next level: become a client

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Bring confidence to your wealth building with simplified strategies from The Money Guy. Learn how to apply financial tactics that go beyond common sense and help you reach your money goals faster. Make your assets do the heavy lifting so you can quit worrying and start living a more fulfilled life.

We've got a special announcement for the Money Guy family today...we're going on tour, and here's how YOU can join the party!

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Bring confidence to your wealth building with simplified strategies from The Money Guy. Learn how to apply financial tactics that go beyond common sense and help you reach your money goals faster. Make your assets do the heavy lifting so you can quit worrying and start living a more fulfilled life.

Today, we're talking about 5 of the biggest wealth-killers you might face in 2024, and what you can do to overcome them.

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Bring confidence to your wealth building with simplified strategies from The Money Guy. Learn how to apply financial tactics that go beyond common sense and help you reach your money goals faster. Make your assets do the heavy lifting so you can quit worrying and start living a more fulfilled life.

"I'm turning 40 soon and just discovered the FOO. What debt interest percentage is considered high interest debt? "

We'll walk you through that question and more in today's Q&A episode!

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Take the relationship to the next level: become a client

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Bring confidence to your wealth building with simplified strategies from The Money Guy. Learn how to apply financial tactics that go beyond common sense and help you reach your money goals faster. Make your assets do the heavy lifting so you can quit worrying and start living a more fulfilled life.

"I found you guys recently and am realizing that I need to make some changes. I'm 37 and feel so behind, especially after listening to last Friday's episode (How Real People Become Millionaires). Can I catch up? Is there anything specific I should be doing to help get myself back on track? "

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 early access and go beyond the podcast

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Bring confidence to your wealth building with simplified strategies from The Money Guy. Learn how to apply financial tactics that go beyond common sense and help you reach your money goals faster. Make your assets do the heavy lifting so you can quit worrying and start living a more fulfilled life.

"My fiancé and I want to buy a home. I've been saving for a downpayment for almost two years, but he has lots of money in retirement accounts. Should he pull any money out of those retirement accounts? "

We'll walk you through that question and more in today's Q&A episode!

Jump start your journey with our FREE financial resources

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Take the relationship to the next level: become a client

Subscribe on YouTube for early access and go beyond the podcast

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Bring confidence to your wealth building with simplified strategies from The Money Guy. Learn how to apply financial tactics that go beyond common sense and help you reach your money goals faster. Make your assets do the heavy lifting so you can quit worrying and start living a more fulfilled life.

"My wife and I lost our jobs and we have lost over half of our income now that I'm back to work. What are the best steps to navigate a big loss of income? "

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 early access and go beyond the podcast

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Bring confidence to your wealth building with simplified strategies from The Money Guy. Learn how to apply financial tactics that go beyond common sense and help you reach your money goals faster. Make your assets do the heavy lifting so you can quit worrying and start living a more fulfilled life.

"I'm 32, school counselor, make approx. 65K. Homes here are around 400-500K. Does it even make sense to try to save for a down payment? Scared I couldn't cover house emergencies "

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 early access and go beyond the podcast

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Bring confidence to your wealth building with simplified strategies from The Money Guy. Learn how to apply financial tactics that go beyond common sense and help you reach your money goals faster. Make your assets do the heavy lifting so you can quit worrying and start living a more fulfilled life.

Throughout every decade, there are different areas of your financial life that come in and out of focus. In this episode, we'll discuss what you need to focus on by age, pitfalls to watch out for, and how to know you're doing it right.

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Bring confidence to your wealth building with simplified strategies from The Money Guy. Learn how to apply financial tactics that go beyond common sense and help you reach your money goals faster. Make your assets do the heavy lifting so you can quit worrying and start living a more fulfilled life.

"Is it wrong of me to quit my job and expect my wife to keep working? My wife and I are on track to coast to retirement in about 10 years. I have a stressful job that I want to leave now, but we would still need income to cover expenses until we can fully retire. "

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 early access and go beyond the podcast

Connect with us on social media for more content

Bring confidence to your wealth building with simplified strategies from The Money Guy. Learn how to apply financial tactics that go beyond common sense and help you reach your money goals faster. Make your assets do the heavy lifting so you can quit worrying and start living a more fulfilled life.

"I have one stock that is on a tear (Nvidia). It is now 25% of my retirement picture. Should I sell to rebalance, or wait to just buy other assets. I am 24 & stock is in a in a brokerage account. "

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 early access and go beyond the podcast

Connect with us on social media for more content

Bring confidence to your wealth building with simplified strategies from The Money Guy. Learn how to apply financial tactics that go beyond common sense and help you reach your money goals faster. Make your assets do the heavy lifting so you can quit worrying and start living a more fulfilled life.