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…

"

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

"

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…

"​​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." 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 product…

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

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

"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?" 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 Ta…

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. Jump start your journey with our FREE financial resources Reach your goals faster with our products Take the relationship to the…

"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?" We'll walk you through that question and more in today's Q&A episode! Jump start your…

"​​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" 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 o…

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. Jump start your journey with our FREE financial resources Reach your goals faster with our…

"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?" 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 …

"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?" 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…

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. Jump start your journey with our FREE financial resources Reach your goals faster with our products Take the relationship to…

"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?" 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 you…

"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?" 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…

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. Jump start your journey with our FREE financial resources Reach your goals faster wit…

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! Jump start your journey with our FREE financial resources Reach your goals faster with our products Take the relationship to the nex…

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

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. Jump start your journey with our FREE financial resources Reach your goals faster with our products Take the relationship…

"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?" We'll walk you through that question and more in today's Q&A episode! Jump st…

"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." 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 nex…

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. Jump start your journey with our FREE financial resources Reach your goals faster with our products Take the relationship to the nex…

"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?" 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…

"

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. Jump start your journey with our FREE financial resources Reach your goals faster with our products Ta…

"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, taxe…