True financial independence isn’t just about money—it’s about owning your time. In this episode, we break down how to value time (both today and in the future), the impact of the Time Value of Money, and how investing wisely can buy you years of financial freedom at a massive discount. Learn how a 25% savings rate can transform your financial future while still allowing you to enjoy life today. Don't wait—start buying back your time now!

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Josh made a mistake. Knowing his impending sticky situation, he wrote us:

"I over contributed to my Roth IRA this previous year (2024) due to making too much. What should I do?"

Fear not, Josh, we're here to help answer your question. Stick around for the full livestream as we break down 9 questions from you - the financial mutants!

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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.

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Phil told us he treats money like a game. But looking at his money, it seems like his favorite game is RISK. He has a high net worth, but is he too much of a high roller?

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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.

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Our number one wealth killer? Not cars. Not inflation. Not even credit cards. Our number one wealth killer is the lack of financial education.

Our 5 Truths to Financial Education:

1. Others don't need to lose for you to win (based on the previous 25 years).
2. Your small decisions have a big impact ($250/month can become almost 7 figures).
3. You don't have to make ALL of the right decisions (with a great quote from Mr. Buffett).
4. What you value doesn't always feel good in the moment (4 questions to ask yourself).
5. You need time to learn (just like your money needs time to grow).

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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.

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You've seen it. You've heard about it. You've read about it. The stock market is down.

SPOILER ALERT: Our advice stands strong - and we've got data to support it.

After talking through current events, we answer your questions (covering topics from investment allocation to vesting schedules to debt payoff). We even touch on a sticky situation when it comes to investing for an upcoming wedding!

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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.

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Bankrate is back with their annual survey of how Americans would pay for an emergency...and the results are not promising. We then jump answering questions from Financial Mutants like you!

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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.

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One thing we've seen as financial advisors: not everyone knows how their 401k (or similar plan) works. Learn how these common mistakes can cost you MILLIONS of dollars over time and learn how to avoid them while building your army of dollar bills.

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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.

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

Zach is a 34 year old with 3 dependents who wrote us to ask:

"Should I take a drastic pay cut (-40%) to leave my current career that I'm no longer interested in?"

We answer Zach's question and more (including a ton of Brian tangents) in this week's episode of Ask Money Guy!

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.

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Robert and Keri have a…unique lifestyle. But has such a frugal lifestyle cost them huge opportunities? Let’s dive in, and find out.

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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.

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

We've had SO MANY financial mutants sending us social media videos about sports betting. From astronomical losses to con artists selling courses, you want to hear Brian and Bo's take and now you can!

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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.

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

We kick off this week's livestream with a topical question from Christian A:

"I’m a federal worker, 26, and facing potential layoff. How should I prepare?"

We'll walk you through Christian's situation 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.

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