Cover image of Listen Money Matters - Free your inner financial badass. All the stuff you should know about personal finance.
(1886)

Rank #12 in Investing category

Business
Careers
Investing

Listen Money Matters - Free your inner financial badass. All the stuff you should know about personal finance.

Updated 8 days ago

Rank #12 in Investing category

Business
Careers
Investing
Read more

Honest and uncensored - this is not your father’s boring finance show. This show brings much needed ACTIONABLE advice to a people who hate being lectured about personal finance from the out-of-touch one percent. Andrew and Matt are relatable, funny, and brash. Their down-to-earth discussions about money are entertaining whether you’re a financial whiz or just starting out. To be a part of the show and get your financial questions answered, send an email to listenmoneymatters@gmail.com.

Read more

Honest and uncensored - this is not your father’s boring finance show. This show brings much needed ACTIONABLE advice to a people who hate being lectured about personal finance from the out-of-touch one percent. Andrew and Matt are relatable, funny, and brash. Their down-to-earth discussions about money are entertaining whether you’re a financial whiz or just starting out. To be a part of the show and get your financial questions answered, send an email to listenmoneymatters@gmail.com.

iTunes Ratings

1886 Ratings
Average Ratings
1471
173
62
69
111

•Money really matters•

By Hina Layla - Nov 27 2019
Read more
•Instrumental•Insightful•Applicable•Relevant•

Weekly listen

By PickTakesPics - Nov 25 2019
Read more
You guys are the best, very helpful and entertaining!

iTunes Ratings

1886 Ratings
Average Ratings
1471
173
62
69
111

•Money really matters•

By Hina Layla - Nov 27 2019
Read more
•Instrumental•Insightful•Applicable•Relevant•

Weekly listen

By PickTakesPics - Nov 25 2019
Read more
You guys are the best, very helpful and entertaining!

Listen to:

Cover image of Listen Money Matters - Free your inner financial badass. All the stuff you should know about personal finance.

Listen Money Matters - Free your inner financial badass. All the stuff you should know about personal finance.

Updated 8 days ago

Read more

Honest and uncensored - this is not your father’s boring finance show. This show brings much needed ACTIONABLE advice to a people who hate being lectured about personal finance from the out-of-touch one percent. Andrew and Matt are relatable, funny, and brash. Their down-to-earth discussions about money are entertaining whether you’re a financial whiz or just starting out. To be a part of the show and get your financial questions answered, send an email to listenmoneymatters@gmail.com.

How To Use a Credit Card Like A Responsible Adult

Podcast cover
Read more

Used properly, a credit card can have all sorts of benefits. Used improperly, it can drag you into bankruptcy.  A credit card can be a blessing or a curse. Some people refuse even to touch one. But if you know how to use one, it is a tool like anything else.

Full Article Here

Show Notes

Tallgrass Brewing Buffalo Sweat:  A sweet, oatmeal cream stout.

Credit Karma:  Get your credit score for free.

Extra Pack of Peanuts:  Learn how to churn airline miles.

LMM How to Improve Your Credit Score:  Hacks to boost your score fast.

LMM Best Travel Cards: If you want free flights and hotels, these are the best cards.

Learn more about your ad choices. Visit megaphone.fm/adchoices

Feb 13 2015

53mins

Play

How to Actually Save Thousands on Your Mortgage

Podcast cover
Read more

Adam Carroll joins us to discuss how to actually save thousands on your mortgage with home equity lines of credit.

 When we interviewed Adam for our new Rich Tips series, he mentioned how he is paying off his mortgage years ahead of schedule and saving thousands of dollars in interest. We were intrigued and asked him to join us to explain his strategy in greater detail.

 What Is A Home Equity Line Of Credit?

 A home equity line of credit, HELOC, is “An open ended line of credit extended to a homeowner that uses the borrower’s home as collateral. Once a maximum loan balance is established, the homeowner may draw on the line of credit at his or her discretion. Interest is charged on a predetermined variable rate, which is usually based on prevailing prime rates.” Most institutions will lend up to about 90% of loan to value.

Strategy

Adam has an ingenious use for his HELOC and you can use his strategy too. The HELOC is used as a checking account. All of your income is deposited into it and all of your expenses are paid out of it.

Depositing your paycheck into the HELOC acts like a payment so you aren’t adding a monthly payment. The money left over at the end of the month gets sent to the mortgage. What this does is send a massive payment to your mortgage each month.

The trick to make this work though is that you have to make more than you spend. Let’s look at an example: You bought a home for $100,000 with a $20,000 down payment. You can immediately take out a HELOC for $10,000. You then put that toward your mortgage.

In order for this to work though, you must make more than you spend. You make $5,000, spend $4,000 and have $1,000 left. That $1,000 goes into the HELOC until it’s paid off, so for ten months. Let’s say your interest rate is 5%. So that’s $500 over 12 months, $41.33 the first month in interest but when the income goes in, you’re paying a little less each month because you’re slowly paying the loan down with that $1,000 a month.

Rather than taking ten months to pay off, it takes around 7. And because your mortgage went from $80,000 to $70,000, you will pay less interest not just over ten months but over the entire life of the loan.

What If You Don’t Own A Home?

You can still use a similar strategy if you don’t own a home. You can get a personal line of credit, PLOC. A PLOC is “A loan that you use like a credit card account that you access without using a card. Instead, you write special checks or request a transfer to your checking account by phone or online. You have a credit limit, receive a monthly bill, make at least a minimum payment, pay interest based on your outstanding balance, and possibly pay a fee each time you use the account. 

PLOC are unsecured, unlike HELOCs, which are backed by a mortgage on your home. PLOCs are offered by banks and credit unions and usually require that you also have a checking account with the same institution.”

PLOCs have their drawbacks. The interest rate is higher than a HELOC and the interest is not tax deductible. But if you have high-interest debt and don’t own a home, they can be beneficial.

What Keeps Us In Debt

It’s the way we bank and borrow. Taking out a 30 year mortgage is just SOP in the United States. Amortization is the process of paying off a debt, like a mortgage over time with regular payments. An amortization schedule is a table detailing each periodic payment on an that loan.

We borrowed $80,000 to buy our home above. With a 30 year mortgage at 3.5%, you will pay $50,000 in interest when it’s all over! Your first mortgage payment will be $359,

Learn more about your ad choices. Visit megaphone.fm/adchoices

Dec 07 2015

1hr 9mins

Play

Stop Living Paycheck to Paycheck

Podcast cover
Read more

Your paycheck gets deposited, groceries purchased, bills paid, and then you’re broke again until the next payday.

 That is the story for almost half of American households, and the vicious cycle is hard to break. It won’t be easy, but you can stop living paycheck to paycheck.

 An NYU study found that about 70 million Americans live in “wealthy hand-to-mouth” households. These are families that own assets like homes, retirement accounts, college funds and cars but yet still live paycheck to paycheck. They spend almost every dollar of their annual income to keep up their lifestyle and pay all the bills.

 Why is it happening?

 If you want to stop living paycheck to paycheck, you need to find the root of the problem. It is probably very simple – you are spending more than you earn. You may not throw your money away on extravagant things, but you are still living above your means.

 It’s time to consider making some lifestyle changes. Start by making a list of necessary and optional expenses see where you can save.

 If your spending is already very low, ask yourself what you need to survive and reframe your lifestyle choices. That can mean moving to a cheaper apartment, stop eating out,  taking the bus to work, making lunch at home, getting rid of the gym membership or get your bills lowered.

There are many people who people survive on very little – look at Mr. Money Mustache. Take a hard look at the choices you have been making and create a budget that will give you the flexibility to save, even if it’s just $50 a month. You can build wealth one dollar at a time.

Prosperity Mindset

The mind is a powerful thing. To make real changes in our lives, we need to create a positive shift in our thinking. I’m not talking about The Secret “think it and it shall happen” bullshit. Well, maybe a little.

Having a bigger vision for what you believe is possible for yourself is the first step to getting there. There is truth in the law of attraction. If you feel that you will never be financially stable or you’ll never get out of debt you most likely won’t. That negativity is reinforcing your limitations.

Take full responsibility for your financial circumstances. Your willingness to change it is a key factor in your ability to make better financial decisions.

Remember, prosperity is not about having a big house or ton of money. It is about being happy and living comfortably, and the way to get there is with a positive attitude and motivation.

Breaking the Cycle

Think for a moment on what you’ll gain from breaking the cycle. How will it feel to have extra money at the end of the month? Once you start having money left at the end of every pay cycle, you’ll begin to feel a little freer. Having financial breathing room will significantly reduce your stress. 

Give yourself a pay cut. Living slightly below your means will help you stashing away some savings every month to grown an emergency fund. Try to pretend you earn less than you do.

Start a crash savings program and do it in a short period like one to two months. Try saving 5-10% of your paycheck. Set up an automatic transfer to your account so it is easier to stick with it. Roughing it for a short period is all you need to get out of the cycle. Once you see that it is doable, it will be much easier to stay on course.

If cutting expenses aren’t enough, then you need to build more income. Having an additional stream will make a huge difference even if it’s only $100 extra a month.  It doesn’t necessarily have to be another job.

If you have a few extra hours a week,

Learn more about your ad choices. Visit megaphone.fm/adchoices

Aug 01 2016

43mins

Play

A Beginners Guide To Real Estate Investing

Podcast cover
Read more

Most of us are not going to get rich simply from our jobs – we have a limited amount of time for actively working. To reach financial independence, we have to create sources of passive income. Smart real estate investing can bring in big returns and grow your net worth.

 Like investing in the stock market, real estate investing can seem intimidating. It’s really not though. There are just some key fundamentals you need to know before you get started.

 Everyone wants to be the Donald Trump of their neighborhood. But with less turnover. Fewer walls. Better inter-neighbor relations.

 OK, maybe that was a bad example. But, maybe not.

 “It’s tangible, it’s solid, it’s beautiful. It’s artistic from my standpoint, and I just love real estate.” – Donald Trump

 Maybe this human candy corn topped with cheese whiz is on to something. Real estate is a physical asset you can touch and is not going out of business any time soon. Unless people all of sudden choose to live off the land again…

 Nah!

 No matter how you slice it, real property is here to stay, which is why many choose to put their money into it. Investing in real estate has crossed all of our minds at one point or another.

But if this is an investment option you’re considering, you may have no idea where to start.

To successfully pursue investment opportunities in the real estate market, you must first do your due diligence to ensure that you understand the intricacies of your local market and the factors that dictate the profitability of what you’re investing in.

In this article, I will offer you a broad overview of just about everything you need to know about beginning with investing in property; the very basics. And I promise, no more bear attacks or Trump references.

An overview of real estate investments

At a basic level, real estate investing is a method of making money by renting, flipping or owning residential, industrial, commercial properties, or parcels of land. Some investors may find these properties on their own, or through the use of an online real estate marketplace like Roofstock, the Multiple Listing Services, or Zillow.

Residential real estate investments are the most common forms of real estate investing. These include single-family homes, condos, and townhomes that can be re-sold or rented out to turn a profit.

For example, you buy a condo in Beach City 5 miles from you for $100,000, you rent it out on Airbnb for $100 a night, you make a lotta tuna.

Simple as that. Well, maybe there’s a bit more to it. But more on that later.

Larger residential properties and those that are intended for use by businesses fall under the category of commercial real estate. Owners can make money from commercial properties by leasing out office space or multifamily residential units.

The rule of thumb is anything that’s rented out to a business and any residential building with more than 4 units inside it, is classified as commercial. These types of properties have different lending criteria when applying for a mortgage.

Regardless of the type of property you own, you can benefit monetarily profit from an investment property in four key ways: rent, appreciation, tax benefits, and interest.

Rent

The owner of a single-family home, condo, townhome, multifamily property, commercial building, crowdfunded real estate or industrial real estate may generate rental income by leasing out all or ...

Learn more about your ad choices. Visit megaphone.fm/adchoices

Jun 22 2015

1hr

Play

5 Questions: Roth IRA's, Investing 10K, and Using Acorns

Podcast cover
Read more

Competition is heating up among the Robo-Advisors. We get a lot of emails asking which is better: Acorns vs. Betterment vs. Wealthfront so we broke down each of the services to see who deserves your investment.

 The whole point of going with a Robo-Advisor is the ease of use. Based on the research, it’s highly unlikely you’ll outperform the market on your own. Better yet, if you tried to do it on your own, it would be much more expensive.

For someone just looking to invest with the right service, it’s getting harder and harder to tell where you should put your money.

Before we get started, I also wrote an incredibly in-depth Betterment Review, an equally detailed Wealthfront Review as well as interviewed the Acorns founders so if you’re looking to go even deeper check those out. In this article, I’ll be focusing more on the nuances of each service than the nitty-gritty features and how they work.

Let the Robo-Advisor battle begin!

A Birds Eye View

Every good investment comparison needs a sexy chart breaking down the differences. I’m not one to leave you wanting so bask in its glory:

Promotions

Students Invest For Free

Up to 6 Months Free

Invest $15,000 Free

Management Fees

0.25% a year

0.25% – 0.5% a year

0% – 0.25% a year

Minimum Deposit

None

None

None

Automatic Rebalancing

Yes

Yes

Yes

Tax Loss Harvesting

No

Yes

Yes

Assets Under Management

$73.6 Million

$5 Billion

$3.5 Billion

iOS App

Yes

Yes

Yes

Android App

Yes

Yes

Yes

Taxable Accounts

Yes

Yes

Yes

IRAs

Yes

Yes

Yes

On paper they’re very comparable but as you know, the magic is in the details. In order to objectively compare Acorns vs Betterment vs Wealthfront I’ve come up with three main rounds the services will battle in to win your investment.

Round 1: Ease of Use and Sex Appeal

Acorns has a beautiful app and a beautiful website. It’s one of the best-designed apps on my phone by a long shot. I’m of course not the only one to notice this – they’ve won some design award every year since they opened their doors.

That’s sexy investing, am I right or am I right? This Round was just going to be called Ease of Use, but Acorns elevated it to Sex Appeal. I’m willing to bet this is the biggest way they get people to try them out. Sexy screenshots.

That can also be a downside though. We’re about investing for the long-term here so if you need to keep opening your app just to see the pretty colors; you’ll also see daily fluctuations and go slowly insane.

Learn more about your ad choices. Visit megaphone.fm/adchoices

Oct 02 2014

36mins

Play

5 Questions: Retirement Funds, Savings Bonds and Budgeting

Podcast cover
Read more

The guys tackle five great listener questions today. For full answers listen to the episode below.

 Question One

 Longtime listener, quick question. I currently put about 25% of my income toward my betterment retirement fund. I rent now but eventually would like to buy a house within the next 10 years. Should I go 15% retirement and 10% home? I would create a new betterment account rather than keeping all in one. Let me know what you’d do.

 If you are able to save 25% of your income then you are definitely on the right track! The split of the savings really depends on your situation, the percent is arbitrary. What is really important is if x% is enough to reach your retirement and other goals.

 Taking into consideration how much you make, what kind of raises you can expect in the future and how much of a down payment you’ll need to purchase a home, will help you figure out if 10% over 10 years will be enough for the kind of home you would like to buy. You also need to figure out if saving 15% a year is enough for the retirement your looking for.

 Question Two

 Hi Guys- I’m 26, in sales (salary plus bonuses) and also work at a restaurant every Saturday. My salary is $42,000, and my bonuses usually total $5,000 per year. Serving money obviously fluctuates, but let’s say its $130.00 a week on average. (520/mo ~ $6/yr) = total $53k

 I have $3,300 in credit card debt and paying that off is my immediate financial goal. I’ve tightened my budget and am using the money i’m saving there plus my serving money to pay that off. Basically, i’m throwing every extra dollar I have at that debt.

 My question is what should I do when I pay that off. I have 19k in federal student loan debt, but I have friends and co-workers who say thats “not bad debt” and I should start saving for a house/investing my money instead of putting all my resources into paying that off as quick as possible.

 Any thoughts or suggestions will be greatly appreciated. Thanks again guys.

 We get this question a lot and most of the the time the answer is pay off your student loan debts after you you have suitable emergency fund in savings. You can’t wipe out your bank all accounts to pay off your debt. Leave yourself some breathing room and make sure you have some money saved up for any unaccepted bills or situations.

 Also depending on your debt interest rate, it might be ok to start investing. If you have a low rate (3.8%) putting a little into the market is ok. If you have a high interest rate (7%+) the 19k in loans will become 21, 22, 23k if not paid down quickly. The market average is 7% so if your loans are 7% or higher mathematically it’s a better choice to pay off debt first and fast. The freedom you feel when it’s all gone will be worth it.

 Question Three

 I am 31 years old and married. My wife and I make about 80k per year combined and live in Colorado. I contribute to my employers 401k up to match each year. I have an online high yield emergency fund account with about 10k saved. We only keep about 5k in our checking account to pay off the credit cards and mortgage payments each month.

 Here’s where it gets interesting: When I was a child I inherited a large amount of money, around 250k which was set aside until I was 18. Since then it has been in a portfolio of mutual funds actively managed by a financial advisor. The returns have been a meager 4% since 2004. This is where I’m concerned after hearing about the awesome returns you guys have been getting through betterment and vanguard.

 My financial advisor seems to be making a lot of money off me in quarterly fees (about 2500 per year) with very minimal returns compared to what I could be doing with betterment and vanguard.

 So my question is, what you would you guys do with the 250k? I always thought I wasn’t financially capable of actively...

Learn more about your ad choices. Visit megaphone.fm/adchoices

Apr 18 2016

46mins

Play

The Personal Finance Blueprint 2.0

Podcast cover
Read more

The Personal Finance Blueprint 2.0 will show you how to build a strong financial foundation and show you when and where to start with investing.

Show Notes

Freddie Murkury IPA Mikkeller Brewing San Diego

Leftover - Matts new home brew

Betterment Smart Saver

Simple Bank- No ATM fees here

Learn more about your ad choices. Visit megaphone.fm/adchoices

Nov 05 2018

1hr

Play

Investing Is Not Hard And Anyone Can do It

Podcast cover
Read more

Many people are afraid to get started investing. Some are scared to lose money, feel they don't have enough money or it can be due to lack of personal finance knowledge. Investing is not hard and anyone can do it. You can start investing with any amount money and the earlier you start, the better. We'll explain the fundamental concepts, lingo, types of investments and the basics of how to start investing. You got this!

Full Article Here

Show Notes

An Mas Chili Jesus: 12% ABV, what else do you need to know?

Krane Financial Solutions: Justin's fee only investing firm.

JKrane.com:Justin teaches business owners how to be smart with their money so they can fund personal goals.

Simple Wealth: Research and evaluate rental properties.

Learn more about your ad choices. Visit megaphone.fm/adchoices

Jul 24 2017

1hr 12mins

Play

The Real Difference Between a Rich Mindset vs. a Poor Mindset

Podcast cover
Read more

Maybe you are rich. Maybe you are poor. Maybe you have experienced being both at some point in your life. If you haven’t figured it out yet, being rich isn’t all about money. It’s about well-being, abundance, having time, success, and the right mindset. There are definitely social issues that contribute to poverty, however, rich vs poor mindsets can also drive wealth and success. There are many poor people with a rich mindset, financially poor due to circumstance. And there are many trust fund babies with a poor mindset.

Full Article Here

Show Notes:

Order of Man Podcast

Menfluential Conference

The Dip By Seth Godin

Learn more about your ad choices. Visit megaphone.fm/adchoices

Mar 26 2018

1hr 18mins

Play

How to Make Passive Income a Reality

Podcast cover
Read more

There is a lot of chatter in the personal finance world about passive income, why you need it and how great it is. But what is it and why is it such a topic of conversation? Passive income is money that you earn without doing much to make it. Some passive income ideas take a degree of upfront work to earn, like writing an e-book and some don't take any effort at all, such as investing with a robo advisor. Today we talk about what exactly passive income is and understanding the non-passive nature of building it.

Full Article Here

Show Notes:

SeatedYou nee to use Seated to book restaurant reservations. Every time you complete a reservation, you get a gift code for up to 25% of your bill that you can use at Amazon, Uber, or Starbucks. The rewards are available within 24 hours of your completed reservation. Laura and I almost exclusively eat out with Seated because it saves us so much.

Paribus: Receiving refund checks are our favorite past-time. As it turns out, stores owe you money but they don’t pay if you don’t ask. That’s where Paribus comes in – they go to bat for you. Price drop? Get cash back for the difference. Deliveries arrive later than advertised? Get cash back.

Fundrise: Did you know that investors with 20% allocated to real estate outperform those who only invest in stocks and bonds? Diversify without the dramatics of actual tenants. The minimum investment is $500.

Lending Club:

The banks had a monopoly on personal loans until Lending Club came along. Now you can get a loan sourced from normal people. Reduce the cost of your debt and refinance. Lending Club has competitive rates and borrower benefits.

Drop: Earn cash rewards from your favorite brands. Drop is the free app that's giving out millions in cash rewards for the spending you do everyday.

BizBuySell: BizBuySell is the Internet's largest and most heavily trafficked business for sale marketplace, with more business for sale listings, more unique users, and more search activity than any other service. BizBuySell also has one of the largest databases of sale comparables for recently sold businesses and one of the industry's leading franchise directories. 

Learn more about your ad choices. Visit megaphone.fm/adchoices

Oct 29 2018

52mins

Play

Types of Budgets: What Is Your Budgeting Style?

Podcast cover
Read more

Budgeting sucks. No one really wants to do it. It’s hard to stick with, it’s a chore to review it every month and it makes you feel like crap when you spend way too much on lattes. But, you’re an adult so you need to do it. There are a few types of budgets, which one is right for you?

 We’re getting back to basics of budgeting. Both Thomas and Andrew have been off the rails with their own budgets so get ready for some confessions. They will discuss different types of budgets, how they work and which ones are the least painful.

Reverse Budgeting

This budgeting method focuses on savings goals. Instead of setting up budget categories to look at your spending, create savings goals and whatever is left you have to spend. Start allocating money at the top of your priority list and work your way down.

Pay yourself first. Retirement, savings, and emergency fund are put aside first. Next are fixed expenses such as mortgage/rent, utilities, car payment, etc. Third are non-fixed expenses.

Anything that can fluctuate from month to month, such as groceries and gas. After that comes debt payments. Anything that is left over can be used for fun stuff like eating out, travel, fancy coffee or whatever else you like to treat yourself with.

Balanced Money Formula

You may have heard the balanced money formula also called the 50-30-20 rule. It’s a budget framework outlined by Elizabeth Warren and Amelia Warren in their book All Your Worth: The Ultimate Lifetime Money Plan. It is a very simple type of budgets.

Fifty percent of your take-home pay goes towards fixed expenses and necessities like food, housing, utilities and ideally all this should be should be kept at 35%.

Thirty percent of your take-home can be spent on wants like eating out, treating yourself to a new dress, electronics, etc.

The last twenty percent goes right into retirement accounts, savings and emergency funds.

The Envelope System

Ah, the good old envelope system. This was a great way to keep your budget and savings goals in check before budget management tools were created,

This method may seem is old-fashioned, but it’s great for those who are you are just starting out on their financial journey. Also for people who need to whip their financial ass back into shape.

This is a cash budget method so you won’t need to check credit card balances to see how much you spend. Start by looking at what your monthly cash flow is and what you have been spending in different categories.

Once you know those numbers, get our your envelopes allocated your expenses. Every dollar has a name and a job. $200 for groceries, $75 for gas, $150 phone, etc.

By giving yourself a set amount of money in your envelope to use towards a specific category, it will help you control your spending. When there is no more money in the envelope, you can not spend any more in that category. If you absolutely need more money, cut from another category to cover the access.

Budget Management Tools

Personal Capital – This is the Mint.com for investors. They will track your investments, analyze your investments and suggest ways to improve things like your 401k allocation. I use this as a tool to monitor my diversification and risk levels. This is for more advanced investors.

Mint – Create budgets that make sense today and set you up for success tomorrow. Receive alerts for unusual account charges, and get custom tips for reducing fees and saving money. We also wrote a book to help you get started called 

Learn more about your ad choices. Visit megaphone.fm/adchoices

Dec 05 2016

55mins

Play

How To Retire Early with Mr. Money Mustache

Podcast cover
Read more

Do you dream of retiring early? We interview the expert in early retirement, Mr Money Mustache. We must learn his ways.

Learn more about your ad choices. Visit megaphone.fm/adchoices

Sep 08 2014

58mins

Play

5 Questions: Down Payments, Debts and IRA’s

Podcast cover
Read more

Our listeners send in some great questions, and today we are going to tackle five of them. We answer five questions about down payments, debts, IRAs, 401k fees, and investing during a chaotic period in the stock market. You asked, and we answered your five questions!

 Question One

 Hey Guys- My fiance and I are getting married next month, and we are trying to get our finances in order as we plan to buy a house. We are looking for something in the $300K range in about two years and will have minimal savings following the wedding. However, we also have about $100K in student loans, with varying interest rates from 4.5% up to 7.6%.

 With proper budgeting, we think we can save about $70K over those two years. Would it be better for us to save all of it for a 20% down payment and closing costs? Or should we use the first $30K to pay down the highest rate student loans and use the other $40K for a 10% down payment and closing costs, knowing that we will have a higher interest rate, PMI, etc.?

 The first thing you need to do is consolidate your debt and refinance any student loans you might have. Lowering your rates and monthly payments will help you make ground quicker. If you go with a variable loan that extra percent off your interest rate will help you gain 2-3 years of progress.

Don’t overextend yourself. Rent until your loans are paid off before you even start thinking about buying a home. Your debt will factor into getting your mortgage loan. As for a smaller down payment, without 20% down you will basically throw money away with PMI.

Question Two

Hey guys- I’m currently trying to save for a house with my partner, and while she has a substantial amount for a deposit, I have near to nothing. We really want to buy something in the next year and a half. I might mention too that I have a bit of credit card debt….($8000)  I earn abut 1400 a fortnight. I know it might be a broad question but what do you suggest I do to be able to get on top of everything? Do you think it is smart to take out a loan to consolidate the credit card debt?

The short answer is yes. Take out a loan to consolidate your debt. The interest rate will be so much better than the credit card interest you are paying. There are many companies that can make the process painless like Sofi, Lending Club and Prosper just to name a few.

If you plan on taking out a loan remember that there is a loan origination fee that will be a percentage of the loan amount. It will be different between companies. Do the math and be sure the fee is worth the amount you will be saving in the long run.

Question Three

Hi- A little background on myself… I am 25 years old with my career being in Chicago, IL. I am working to get to the point where I am saving 15% regularly through 401K, the match, and Betterment IRA. However, you all talk a lot about retiring earlier than the old school 60 years old and such, which sounds amazing. Ha.

My question is: With the goal of continuing to add more money into my accounts as my salary increases and retiring as early as possible, is it better to invest my money into a Betterment Roth IRA or Betterment General Investment Account?

Pros? Cons? Thoughts? Suggestions?

If you are planning to retire early,

Learn more about your ad choices. Visit megaphone.fm/adchoices

Mar 14 2016

50mins

Play

It’s About Time You Stop Wasting Money

Podcast cover
Read more

All of us have spending leaks, money we spend that we shouldn’t. We’re getting back to basics. While you were all busy investing in real estate and monitoring your portfolios, you’ve been steadily wasting money. We’re all guilty of it, but from time to time we need to go back to personal finance 101 and take a hard look at how much we are spending day to day. Stop wasting money already!  And remember what gets measured gets managed.

Full Article Here

Show Notes

Cascade Kriek Ale:A sour ale from Cascade Brewing.

LMM Pro:Research, evaluate, and track rental property.

Toolbox:All the best stuff we use to manage our money.

Community: Join the conversation.

Learn more about your ad choices. Visit megaphone.fm/adchoices

May 15 2017

51mins

Play

Invest or Pay Off Debt? That is the Question.

Podcast cover
Read more

There are a lot of questions in personal finance but maybe the biggest is invest or pay off debt? That is the question we get at LMM most often. There is a lot of emotions involved when it comes to making financial decisions but this framework largely removes emotion. This is straight up what you should do to optimize your finances. So, what should you do first, invest or pay off debt? Today Andrew has done the math.

Full Article Here

Show Notes

Even More Jesus Evil Twin Brewing: An Imperial Stout.

Sour Monkey: A sour ale from Victory Brewing Company.

Simple Wealth: Research and evaluate rental properties.

Tool Box: All the best stuff to manage your money.

Student Loan Debt

Mortgage Debt

Pay Off vs Hold Excel Spreadsheet (found in the bowels of the internet)

Learn more about your ad choices. Visit megaphone.fm/adchoices

Sep 18 2017

39mins

Play

How To Get Rich (Without Getting Lucky)

Podcast cover
Read more

We all want to get rich or rather wealthy. Being wealthy is much different and much better than being rich. If you want to know how to get rich without getting lucky, Twitter can teach you. A Twitter thread from Naval went viral in the spring of 2018.

Full Article Here

Show Notes

Jam Skate: An American Imperial IPA.

Trillium Brewing: A Double Dry Hopped India Pale Ale.

The Tweet text that inspired this episode. 

Learn more about your ad choices. Visit megaphone.fm/adchoices

Jun 24 2019

44mins

Play

When To Invest and When to Just Save

Podcast cover
Read more

At LMM we bang the drum loudly in favor of investing over saving. But are there times when it’s better to just save? We’ll find out today.

 We’ve gotten a lot of questions about when to invest and when to just save so we thought we would dedicate a whole show to the subject for you.

 One of the good things about Betterment, and why we encourage you to keep your emergency fund there is that there is no penalty for taking money out and you can have it quickly, within a few days.

 But an emergency fund is for emergencies.  If you’re constantly pulling money out, that’s a problem.  If your time frame of needing to access money is less than a year, that money should be kept in a savings or checking account.

 The Rule of 72 is a way to determine how long it will take to double your investment.  With a 7% return rate, it will take about ten years to double your money.

What do you need to buy soon?  A car in two months, a house in two years?  If you need the money in that time frame, you’re better off just saving it. Unless, you have some flexibility in that time line.  The more fixed your time line, the greater the risk.  Your hard date could be the day the market crashes.

If you have a big, non-monthly expense coming up, like paying for your semester, it’s not a good time to invest or even to pay down existing debt.  Outside of this scenario, paying debt almost always comes first.

If you’re in a grey area, something low risk like Treasury Bonds are an option.  There is no one answer.  The decision to invest or save is based on your risk tolerance, your time frame, and a host of other factors.

Show Notes

Penn Dark:  A European style dark lager.

Betterment:  The easy way to invest.

College Info Geek:  How to save on textbooks.

Learn more about your ad choices. Visit megaphone.fm/adchoices

Mar 18 2015

36mins

Play

22 Life Changing Lessons From Warren Buffett

Podcast cover
Read more

The Oracle of Omaha is a font of wisdom. He is perhaps the most successful investor in history. So he knows a lot of lessons we can all benefit from. Here are 22 life-changing lessons from Warren Buffett. Whether you want some words of wisdom on investing or how not to be a better person, there are Warren Buffett quotes to guide you.

Learn more about your ad choices. Visit megaphone.fm/adchoices

Jun 05 2017

57mins

Play

The 8 Best Vanguard Funds That You Should Buy

Podcast cover
Read more

We’re big fans of Vanguard, but admittedly, investing in Vanguard funds is a bit more complicated than using a Robo Advisor.  In this article, we break down what we think of Vanguard’s 8 best funds while balancing both performance and cost.


If you’re looking for a deeper dive into our logic as well as some colorful commentary than check out the podcast episode we did on this:


Before we jump in, it’s important to mention why we are focusing so heavily on fees here. Due to their exponential nature, fees of just 1% can cause you to lose up to 25% of your earnings. That’s pretty horrendous and often what turns investors on to Vanguard in the first place.


I also highly suggest you check the fees on your accounts via the free Personal Capital fee analyzer. In addition to running simulations, the analyzer pinpoints all of the overly fee-hungry funds across your accounts – retirement or otherwise.


The difference between an Index Fund (ETF) and a Mutual Fund


First, let’s quickly discuss what an Index Fund (ETF) and a Mutual Fund are. Who better to ask then Vanguard themselves?


An ETF is a collection (or “basket”) of tens, hundreds, or sometimes thousands of stocks or bonds in a single fund.


If you’ve ever owned a mutual fund—particularly an index fund—then owning an ETF will feel familiar because it has the same built-in diversification and low costs.


Source: Vanguard


A Mutual Fund is very similar to an ETF with one crucial difference:


You can set up automatic investments and withdrawals into and out of mutual funds based on your preferences.


Source: Vanguard on ETF vs. Mutual Fund


In other words, if you want to automate your investing, then you use a Mutual Fund. If you want cheaper fees over time and don’t mind making contributions every month, then you should choose an ETF. I use ETFs because I don’t mind making investments manually and fees are the worst.


We often get asked how much you need to invest in Vanguard. If you’re investing in an ETF, then all you need is $1. If you’re investing in a Vanguard Mutual Fund, then the minimum initial investment is between $1,000 and $3,000.


Total Stock Market (ETF) – VTI

NYSEARCA:VTIVanguard | MorningStar | Fee: 0.04% | 5yr Avg: 14.24%


This ETF is Vanguard’s flagship fund and in our opinion,

Learn more about your ad choices. Visit megaphone.fm/adchoices

Oct 25 2014

47mins

Play

How The Hell Does Someone Save Up For a House?

Podcast cover
Read more

Buying a home is still the American dream for many people but with home prices going up and up, how can you save up for a house without sleeping in your car? With the median home price in the U.S. at $188,900, it seems impossible. How the hell does someone save up for a house? Buying a home is such a part of the American dream. It seems like once you reach certain milestones that are considered part and parcel of being an adult, every which way you turn, someone or something is telling you to buy a house, you must buy a house! But should buying a home still be a part of the American dream?

Full Article Here

Show Notes

Dead Guy Ale: An ale aged in whiskey barrels.

Stick's Pale Ale:  A sessionable pale ale.

Learn more about your ad choices. Visit megaphone.fm/adchoices

Aug 06 2018

54mins

Play

How To Retire Early with Mr. Money Mustache (Rebroadcast)

Podcast cover
Read more

Mr Money Mustache didn't retire because he was making so much money from his blog. He had actually been retired for six years before he started writing. The blog was born when he looked around at his friends who had good jobs but were still living paycheck to paycheck.

They bought into what has long been sold as the American Dream; go to college, get a job, buy a house, fill that house with as much stuff as it can hold (and when it can't hold anymore, rent a storage unit), have some kids, and get stuck in an unfulfilling job, dreaming of freedom that will always be out of reach.

Retire, maybe at 65 if you're lucky, and live out your days, just kind of existing, hoping your money will outlast you. The best years of your life long past. But what if you could be retired by thirty?

MMM started the blog out of frustration, he wanted to show them, and now us, that they could do what he did. And an empire started.

Original Broadcast Date September 8, 2014 

Full Article Here

Show Notes

Mr Money Mustache: Everything you need to know to retire early.

The 4 Pillars of Investing: A book that helped MMM get his start.

Betterment:  Start investing your 50% today.

Learn more about your ad choices. Visit megaphone.fm/adchoices

Nov 25 2019

58mins

Play

How to Reduce Taxable Income With Advanced IRA Strategies

Podcast cover
Read more

The biggest expenses in life are taxes and interest. If we can minimize those two things, we will put much more money in our own pockets and add many more years to our retirements.

Our guest, the Mad Fientist delves deep into advanced IRA strategies. Find out why you should have one and which one will best fit your needs.

Original Broadcast July 22, 2014 

Full Article Here

Show Notes

The Mad Fientist: Brandon's website and podcast.

Betterment: Our favorite investing tool. Use this link and get six months with no fees!

Learn more about your ad choices. Visit megaphone.fm/adchoices

Nov 18 2019

1hr

Play

Go Fire Yourself With Laurel Staples (Rebroadcast)

Podcast cover
Read more

Laurel Staples joins us to teach us how to forget the American dream and talk about her journey becoming an entrepreneur. Start living our own dreams on our own terms.

In 2007 Laurel quit her job as a mechanical engineer to launch her popular blog, Go Fire Yourself. In January she will publish her book about how to quit your day job and run your own business.

Original Broadcast Date August 18, 2014

Full Article Here

Show Notes

Smuttynose Bouncy House IPA: an all-occasion American ale.

Martini: made with Blue Coat gin and vermouth.

Learn more about your ad choices. Visit megaphone.fm/adchoices

Nov 11 2019

50mins

Play

Are We Loving Our Kids Too Much with Adam Carroll (Rebroadcast)

Podcast cover
Read more

What a weird concept. Loving your kids too much. But it can be true. By giving them too much, by coddling them from every possible disappointment, we turn them into ineffectual adults.

From ensuring that everyone gets a trophy to always giving them money when they ask, kids today can't handle normal disappointment and have never had to work or struggle for anything. Mom and Dad are always waiting, poised to smooth whatever path their children are on. But in the name of loving them, we're taking away character building opportunities.

This episode was originally broadcasted on October 22, 2014

Full Episode Here

Show Notes

Succeed Faster: Adam's site to help you build a bigger life.

Broke, Busted and Disgusted: Adam's upcoming documentary about student loan debt.

Learn more about your ad choices. Visit megaphone.fm/adchoices

Nov 04 2019

54mins

Play

Personal Money Horror Stories (Rebroadcast)

Podcast cover
Read more

It’s almost Halloween and nothing is more frightening than money horror stories. Close the blinds, turn off the lights, light a candle and prepare to be scared. Matt and Andrew haven’t always been smart with money, well Andrew mostly has. But even they have finance horror stories and will share them with us.

This episode was first published on October 31 2014

Show Notes

Hopfish IPA: An English style IPA.

The Bowery Boys Haunted Brooklyn: Here’s a special Halloween treat. One of my favorite podcasts. If you like history or just scary stories, check out the Bowery Boys annual Halloween podcast devoted to ghost stories of Brooklyn.

Learn more about your ad choices. Visit megaphone.fm/adchoices

Oct 28 2019

36mins

Play

The Yield Curve Is Inverted and It's Ok

Podcast cover
Read more

We tend to talk about stocks much more often than bonds. Why? Because since LMM began, our audience has skewed young, most of our listeners are in their twenties and thirties. But the show has been around for seven years now. Those who have been with us from the beginning are seven years older.

We want to serve our audience, so we need to focus a little more on bonds. Most of you know the basics, and we've covered bond investing in the past. Today we have returning guest J. David Stein to go a little deeper into the weeds and talk about the yield curve.

Full Article Here

Show Notes

Flatter Flatter: An IPA from SingleCut Beersmiths

Blue Light Rain: An unfiltered German Pilsner from Knotted Root Brewing Company

Money for the Rest of Us: J. David Stein's site and podcast.

Learn more about your ad choices. Visit megaphone.fm/adchoices

Oct 21 2019

1hr 2mins

Play

5 Questions: Time Shares, Fuck You Money and Peer to Peer Lending

Podcast cover
Read more

We get dozens of emails from listeners each week asking really thoughtful financial questions. When a question needs a detailed answer or might be helpful to others, we turn it into part of a 5 questions episode.

Today we have 5 questions about buying a timeshare, the Lending Club strategy, f**k you money, buying a rental property, and what to do with a million-dollar inheritance.

Full Article Here

Show Notes

Cape May City To Shore: A Double IPA

Thick Blueberry Goo: A smoothy style Berliner Weiss.

Learn more about your ad choices. Visit megaphone.fm/adchoices

Oct 14 2019

47mins

Play

Socially Responsible Investing: Invest In The World You Want to Live In

Podcast cover
Read more

There are a lot of bad things happening around us: climate change, weekly mass shootings, rampant opioid addiction, income inequality.  Rather than feeling helpless and frustrated, let’s take matters into our own hands. That’s where socially responsible investing comes in. You can invest in the world you want to live in.

Full Article Here

Show Notes

HopHands: An American Pale Ale

Wisp: A Belgian style whip

Learn more about your ad choices. Visit megaphone.fm/adchoices

Oct 07 2019

47mins

Play

Grow Your Wealth With Passive Investments In Farming

Podcast cover
Read more

Agriculture is the one industry that touches every person on the planet. Agriculture produces the food we eat, the liquids we drink, the clothes we wear, and the furniture we sit on. There are nearly 7.5 billion people on earth, all of whom consume what agriculture produces. Which makes investing in agriculture seem like a no brainer.

Full Article Here

Show Notes

Fat Orange Cat: A white stout brewed with coffee and chocolate

Melcher Street: A double dry-hopped IPA

Dallas Blonde: An American blonde ale.

Harvest Returns: Grow your wealth with passive investments in farming and timberland

Learn more about your ad choices. Visit megaphone.fm/adchoices

Sep 30 2019

52mins

Play

Rewired Not Retired: How to Engineer The Life You Love

Podcast cover
Read more

The FIRE movement has carved out a big niche in the personal finance space. FIRE stands for Financial Independence, Retire Early but if you quit traditional work in your 30s or 40s, what will the rest of your life look like?

Three or more decades is a lot of time to fill and sitting on the porch in a rocking chair or playing golf aren't going to be enough to fill it. The 30s to 60s can be the prime of life. We're still filled with energy, ideas, and ambitions.

Full Article Here

Show Notes

Apricot Compote: A Sour from Evil Twin Brewing.

The Frugal Engineers: Kim and her husband's site.

Learn more about your ad choices. Visit megaphone.fm/adchoices

Sep 23 2019

38mins

Play

5 Questions: Debt Consolidation, Combining Finances and Long Distance Move

Podcast cover
Read more

We get dozens of emails from listeners each week asking really thoughtful financial questions. When a question needs a detailed answer or is of interest to a lot of people, we turn it into part of a 5 questions episode.

Today we have 5 questions about debt consolidation, saving money on a move, combining finances, living paycheck to paycheck, and capital gains.

Full Article Here

Show Notes

Lightful: A German-style wheat beer from Tired Hands Brewery.

Yule Smith: A double hopped IPA.

Learn more about your ad choices. Visit megaphone.fm/adchoices

Sep 16 2019

54mins

Play

Diversifying Your Retirement With Alternative Assets

Podcast cover
Read more

We talk a lot about making sure your portfolio is diverse enough to insulate your investments from risk. But if you want to ramp up returns, consider diversifying your retirement with alternative assets. How can you do that? A Self Directed IRA is one of the most powerful tools in your retirement arsenal. Alternative investments can improve your chances of retiring with enough money.

Full Article Here

Show Notes

Apricot Compote Sour: A refreshing summer beer from Evil Twin.

Alto: The Alto platform provides users with a simple interface to set up, invest with, and manage a diversified portfolio of alternative assets.

Learn more about your ad choices. Visit megaphone.fm/adchoices

Sep 09 2019

46mins

Play

The Business of Babies

Podcast cover
Read more

The United States Department of Agriculture (USDA) estimates that it costs nearly a quarter of a million dollars to raise a child from birth to age 18.  That tally does not include the cost of a college education.

The largest piece of that pie lies in housing and transportation at a whopping $107,000. Next, you’ll factor in childcare and education at $44,000. (See? I told you this shit is expensive).

Following that is clothing/miscellaneous and healthcare at $33,000 and $20,000 respectively. Let’s get crazy and add the cost of college into that number.  Now we are easily pushing over $350,000 to raise one child.

Having kids is not a business decision for most people but it comes with many of the same considerations. There are no “one size fits all”.

Let's look at some things to consider before embarking on what I called my new business and what you would probably call your family. Let's talk about the business of babies.

Full Article Here 

Learn more about your ad choices. Visit megaphone.fm/adchoices

Sep 02 2019

52mins

Play

Financial Vital Signs: Net Worth By Age and How to Get There Without Flatlining

Podcast cover
Read more

Knowing your personal net worth is one of the most important aspects of personal finance. It's one of the best indicators we have to know if we are on target to meet our goals. Whether you want to be debt-free, buy a home, pay for college for your children, or to retire you need to be on target.

Your net worth is a way to see what is holding us back. It's a very strong indicator of your overall financial health.

Figuring out your net worth is easy. Add up the total value of all of your assets. Add up the total value of all of your debts. Now subtract the assets from the debts. You might have a positive net worth or a negative one.

Not really into math? We hear you.

We know someone who will do the math for you for free. Personal Capital will give you a complete picture of your net worth, compare yourself to others average net worth in your age or income bracket and track progress towards your goals.

They also do a ton of other things for free like track your spending, analyze fees, investment checkups, and help your retirement plan. You can thank us later.

Full Article Here

Show Notes

Personal Capital - Track Your Net Worth

Mint - Budget Like a Badass

Learn more about your ad choices. Visit megaphone.fm/adchoices

Aug 26 2019

47mins

Play

The Lowdown on Libra: Facebooks New Cryptocurrency

Podcast cover
Read more

In its ongoing quest for world domination, Facebook is set to launch a cryptocurrency called Libra. And a digital wallet to store those Libra called Calibra. Given the company's somewhat shady privacy practices, would you trust Facebook with your money?

Full Article Here

Show Notes

Passion Pool from Mikkeller and Friends: A gose.

Craft Lager from Upslope Brewing Company: An American style lager.

Learn more about your ad choices. Visit megaphone.fm/adchoices

Aug 19 2019

39mins

Play

5 Questions: Weed, Buying an Engagement Ring, and Bull Markets

Podcast cover
Read more

We get dozens of emails from listeners each week asking really insightful financial questions. When a question needs a detailed answer or is of interest to a lot of people, we turn it into part of a 5 questions episode. Today we have 5 questions about spending a raise wisely, investing in a bull market, what to do with an inheritance, how to pay for an engagement ring, investing in weed stocks, and a bonus question about gold.

Full Article Here

Show Notes

Boont Barl: An amber ale.

Dogfish Head SeaQuench: A sour ale.

Learn more about your ad choices. Visit megaphone.fm/adchoices

Aug 12 2019

1hr 1min

Play

How to Start and Monetize a Blog Quickly

Podcast cover
Read more

Andrew and Matt share their stories and the lessons they learned creating a blog that makes passive income but more importantly, they are going to spell out the exact steps they took to achieve financial independence.

They will cover:

How to Start a Blog (Step-by-Step Guide) – Everything you need to get started in under 10 minutes with $160. The act of paying someone to host a blog for you is easy.

How to Monetize your Blog – The only two ways that matter and the one you should avoid at all costs.

Your Creation Strategy – Make what people are actually looking for. Also, 80% of SEO is bullshit. I am not special, the internet is filled with people doing exactly what I do. The difference is, I’m just going to tell you for free.

A Blog’s Growth Trajectory – What you should expect in year 1, 2, 3, 4 and 5. It’s all about appropriate expectations because slow and steady wins the race. Going viral is bullshit. Winning online isn’t about being the fastest, it’s being the one left after everyone else gave up.

How You Will Fail – It’s going to happen, and it’s going to happen a lot. Learn about the “Equal-Odds Rule” and how it applies to every success you’ve ever seen. For me, my failures have been far more instructive than what I’ve actually done right.

Full Article Here

Learn more about your ad choices. Visit megaphone.fm/adchoices

Aug 05 2019

49mins

Play

The Smart Way to Buy Property

Podcast cover
Read more

Buying a house is a long-held tenet of the American Dream, one of the milestone markers of adulthood. But there are a lot of misconceptions about homeownership.

And there is a lot of misleading information about the process of how to buy a house, some of it seems deliberately misleading. An uninformed buyer is an easy mark for predatory real estate agents, home inspectors, contractors, banks, and mortgage brokers.

Buying a house to live in rather than to rent out is not an investment.

In reality, it’s usually a terrible investment. That’s because, at the end of the day, owning a home takes money out of your pocket: You’re paying property taxes, you’re paying maintenance, you’re paying insurance. There are all of these other things that happen with your home that you’ve got to pay for.

But every decision we make doesn't have to be based strictly on dollars and cents. No matter what we are, anyone else tells you, sometimes you just really want a house. A home of your own feels like stability. It allows you to put your stamp on your environment. A home is something a lot of people want when they decide to have children.

We respect all of those reasons, so if you're bound and determined to do it; we want to show you the smart way to buy a property.

Full Article Here

Show Notes

Psionic Blackberry: A sour from Unsung Brewing.

Learn more about your ad choices. Visit megaphone.fm/adchoices

Jul 29 2019

52mins

Play

The Three P’s of Success

Podcast cover
Read more

Everyone wants to find success both in their personal lives and their professional lives. Because success is an almost universal desire, there are thousands of books, podcasts, articles, TV shows, and seminars that claim they can teach us how to be successful.

And all of the people selling those books and other things have a vested interest in making finding success seem harder and more complicated than it needs to be. But we like to keep things simple and assume you want the same. We love Marcus Lemonis of the TV show The Profit. He is a successful business person and on the show, takes failing businesses and teaches the owners how they can simply achieve success using the Three P's of Success.

There is no magic formula, no book to buy, no seminar to attend. You can spend a single hour after you finish reading this (for free!) and implement one small suggestion for each of the Three P's into your personal, professional, and financial life. Making small changes or minor improvements will not only make you more successful but make your life easier too. Building habits and creating systems are the small picture things that make up the big picture things. No one can overhaul their life in a single step but step-by-step, things get better and easier.

So what are the Three P's of Success? Let's find out.

Full Article Here

Show Notes

Mikkeller and Friends Shake Your Stack: An Imperial Stout

A 3 Hour Plane Ride with Sean Penn: Matt's own New England IPA

Learn more about your ad choices. Visit megaphone.fm/adchoices

Jul 22 2019

52mins

Play

5 Questions: The 4% Rule, Staying Financially Motivated and Passive Income

Podcast cover
Read more

We get dozens of emails a week asking financial questions. Sometimes we get a question so good, we want as many people as possible to hear it and the answer. That's how 5 questions episodes were born. We have questions about the 4% rule, staying financially motivated, and making passive income. Let's answer some questions.

Full Article Here

Show Notes

Gose Dragon's Milk-White: A  white stout.

Matt's Home Brew: A Kolsch.

Learn more about your ad choices. Visit megaphone.fm/adchoices

Jul 15 2019

51mins

Play