Marriage Kids and Money: Personal Finance for Families

Afleveringen

• Mortgage Free in New Jersey on a $750k Home | Bobby Richardson 27.05.2026 26min

  What would it feel like to never make a mortgage payment again? In this episode, we talk with Bobby Richardson from New Jersey about how he and his wife Alexandra paid off their $242,000 mortgage in just 10 years and became completely debt free on their home. We discuss the emotional side of homeownership, the desire for certainty in an uncertain world, and why becoming mortgage free gave their family peace of mind. Bobby also shares the practical strategies they used to make it happen, including increasing their income, staying aligned as a couple, and maintaining an achievement mindset throughout the journey. If you’ve ever wondered whether paying off your mortgage early is worth it, this conversation will give you a transparent look at both the math and the meaning behind becoming mortgage free. RESOURCES Mortgage Payoff Calculator: https://marriagekidsandmoney.com/calculators/mortgage-payoff/ Own Your Time: https://marriagekidsandmoney.com/book Barbell Financial (Bobby Richardson): https://www.barbellfinancial.com/ HOW WE MAKE MONEY + DISCLAIMER: This show may contain affiliate links or links from our advertisers where we earn a commission, direct payment or products. Opinions are the creators alone. Information shared on this podcast is for entertainment purposes only and should not be considered as professional advice. Marriage Kids and Money (www.marriagekidsandmoney.com) is a participant in the Amazon Services LLC Associates Program, an affiliate advertising program designed to provide a means for sites to earn advertising fees by advertising and linking to amazon.com. CREDITS: Host: Andy Hill Editor: Johnny Sohl Podcast Support: Michelle Ahmed Learn more about your ad choices. Visit megaphone.fm/adchoices
• How to Deal with Uncertainty (and Stop Overthinking Everything) | Simone Stolzoff 20.05.2026 26min

  Simone Stolzoff’s new book: How to Not Know - ⁠https://amzn.to/420WLhp⁠ (affiliate) Uncertainty is everywhere right now. From economic shifts and global conflict to career changes and parenting decisions, many of us are craving answers in a world that feels increasingly unpredictable. In this episode, we sit down with author and journalist Simone Stolzoff to discuss how we can become more comfortable with uncertainty instead of constantly trying to eliminate it. Simone shares insights from his new book, How to Not Know: The Value of Uncertainty in a World That Demands Answers, and explains why our obsession with certainty may actually be fueling anxiety. We discuss how technology has changed our tolerance for the unknown, why discomfort can lead to growth, and practical ways to build resilience in uncertain times. If you’ve been feeling overwhelmed by the future, this conversation will help you slow down, breathe deeper, and rethink your relationship with uncertainty. RESOURCES Own Your Time – Pre-order our first book today! MKM Coaching – Get 1-on-1 support with your family finance journey. Coast FIRE Calculator – Find out when you can slow down or stop investing for retirement. Mortgage Payoff Calculator – See how fast you can become mortgage free. RECOMMENDED RESOURCES (SPONSORS & AFFILIATES) Monarch Money – Best budget app for families & couples. Crew – HYSA banking built for families (Get an extra 0.5% APY with our partner link). GUEST RESOURCES Simone Stolzoff’s new book: How to Not Know - https://amzn.to/420WLhp HOW WE MAKE MONEY + DISCLAIMER This show may contain affiliate links or links from our advertisers where we earn a commission, direct payment or products. Opinions are the creators alone. Information shared on this podcast is for entertainment purposes only and should not be considered as professional advice. Marriage Kids and Money (www.marriagekidsandmoney.com) is a participant in the Amazon Services LLC Associates Program, an affiliate advertising program designed to provide a means for sites to earn advertising fees by advertising and linking to amazon.com. CREDITS Host: Andy Hill Editor: Johnny Sohl Podcast Support: Michelle Ahmed Learn more about your ad choices. Visit megaphone.fm/adchoices
• $1.8 Million Net Worth at 34 in Illinois | Ben Johnson 13.05.2026 21min

  Ben Johnson grew his family’s net worth to $1.8 million by age 34 through high income skills, consistent investing, and disciplined saving. In this episode, we discuss how Ben and his wife paid off $80,000 of debt in just two years, increased their household income from $110,000 to more than $250,000, and built a seven figure investment portfolio while raising two young daughters. We explore the power of tracking your net worth, investing in low cost index funds, and staying focused during the “messy middle” of family life. We also talk about why supply chain careers can be lucrative, how generosity plays a role in their financial plan, and why discipline matters more than motivation when building wealth. If you want practical guidance on increasing your income, growing your investments, and building long term family wealth, this episode is for you. Want to build wealth and design a life around what matters most? Grab my book Own Your Time: https://marriagekidsandmoney.com/book In This Episode You’ll Learn: How Ben and his wife paid off $80,000 of debt in two years Why increasing your income accelerates wealth building How they grew their net worth to $1.8 million by age 34 Their simple low cost index fund investing strategy Why tracking your net worth monthly matters How generosity and intentional living fit into their financial plan Resources Mentioned: Monarch Money to track your net worth: https://marriagekidsandmoney.com/monarchmoney Leave a voicemail for the show: https://marriagekidsandmoney.com/voicemail Podcast Credits: Host: Andy Hill Editor: Johnny Sohl Podcast Support: Michelle Ahmed Learn more about your ad choices. Visit megaphone.fm/adchoices
• Coast FIRE Mistakes That Could Ruin Your Plan (w/ Bo Hanson from The Money Guy Show) 12.05.2026 30min

  Coast FIRE can be an incredible milestone, but what happens when the math, lifestyle, or motivation behind it starts to fall apart? In this episode, we talk with Bo Hanson, co-host of The Money Guy Show and partner/co-founder of Abound Wealth Management, about where Coast FIRE can go wrong and how families can avoid common mistakes. Bo shares why conservative assumptions matter, how lifestyle inflation can change your Coast FIRE numbers, and why it’s important to know what you’re actually moving toward before you take your foot off the gas. We also discuss marriage, kids, tax diversification, burnout, and how to build a financial plan that supports a fulfilling life today and tomorrow. RESOURCES The Money Guy Show – Free financial resources, calculators, and educational content from Bo Hanson and the Money Guy team. Marriage Kids and Money – Connect with Andy Hill and explore family finance resources. HOW WE MAKE MONEY + DISCLAIMER This show may contain affiliate links or links from our advertisers where we earn a commission, direct payment or products. Opinions are the creators alone. Information shared on this podcast is for entertainment purposes only and should not be considered as professional advice. Marriage Kids and Money (www.marriagekidsandmoney.com) is a participant in the Amazon Services LLC Associates Program, an affiliate advertising program designed to provide a means for sites to earn advertising fees by advertising and linking to amazon.com. CREDITS Podcast Artwork: Liz Theresa Editor: Johnny Sohl Podcast Support: Michelle Ahmed Learn more about your ad choices. Visit megaphone.fm/adchoices
• I Know I’m Coast FIRE… So Why Can’t I Slow Down? 06.05.2026 33min

  Have you reached Coast FIRE (Coast to Financial Independence and Relax Early)… but still can’t bring yourself to slow down? Today’s listener, Chris, is in that exact spot. At 36 years old with $860,000 invested, two young kids, and a strong financial foundation, he’s done the math. He knows he’s on track. But mentally, he can’t shake the feeling that if he stops investing, he’s falling behind. In this episode, we break down a 5-step approach to confidently step into Coast FIRE and start reclaiming your time today: • Why this isn’t a math problem — it’s a belief problem • How to validate your Coast FIRE number • The mindset shift from money investing → time investing • Why you don’t have to stop… just step down • How to use your financial freedom to improve your family life now Then, in the second half of the episode, we are joined by financial planner and author Jamie Bosse to discuss how to raise financially confident kids: • When to start teaching kids about money • Simple ways to introduce investing to tweens and teens • The best account options for kids (UTMA, Roth IRA, 529s & more) • How to guide kids away from speculation and toward long-term investing If you’ve ever thought, “I know I have enough… but I can’t slow down,” or you want to raise financially savvy kids — this episode is for you. 📘 Investing for Tweens by Jamie Bossehttps://amzn.to/41Q4lev 📘 Own Your Time by Andy Hillhttps://marriagekidsandmoney.com/book 🎤 Leave a question for the showhttps://marriagekidsandmoney.com/voicemail Instagram: @marriagekidsandmoney LinkedIn: @AndyHillMKM Podcast Credits: Host: Andy Hill Guest: Jamie Bosse Editor: Johnny Sohl Podcast Support: Michelle Ahmed Learn more about your ad choices. Visit megaphone.fm/adchoices
• $1.3 Million Net Worth at 38 in Florida | Abhi Jain 29.04.2026 21min

  Abhi Jain has built a $1.3 million net worth by age 38 through a combination of career growth, side hustles, and real estate investing. In this episode, Abhi shares how he went from a traditional employee mindset to accelerating his income through strategic job changes and multiple streams of income. After moving to the United States from India, he leaned into opportunity, developed new skills, and embraced discomfort to grow both professionally and financially. We talk about how he and his wife work together as a team, combining his corporate career in software engineering with her creative business to increase their household income. Abhi also breaks down how real estate became the foundation of his wealth, including buying fixer uppers, building rental income, and scaling his portfolio across multiple states. If you are looking to grow your income, invest in real estate, or build generational wealth for your family, this conversation offers both practical strategies and inspiring perspective. Want to build wealth and design a life around what matters most? Grab my book Own Your Time: https://marriagekidsandmoney.com/book In This Episode You’ll Learn: How Abhi built a $1.3 million net worth by 38 Why switching jobs can accelerate your income growth How side hustles can add significant income over time The basics of buying and renting out fixer upper properties How to think about generational wealth and financial independence The mindset shift from employee to wealth builder Resources Mentioned: Divine Studio Henna Business: https://divine-studio.net Monarch Money to track your net worth: https://marriagekidsandmoney.com/monarchmoney Leave a voicemail for the show: https://marriagekidsandmoney.com/voicemail Podcast Credits: Host: Andy Hill Editor: Johnny Sohl Podcast Support: Michelle Ahmed Learn more about your ad choices. Visit megaphone.fm/adchoices
• Coast FIRE with $1M by 35 in Ontario | Liz Enriquez 22.04.2026 34min

  What does it take to reach Coast FIRE by your mid-30s and actually enjoy the freedom that comes with it? In this episode, we sit down with personal finance educator Liz Enriquez from Ambitious Adulting to discuss how she and her husband reached Coast FIRE with nearly $1 million invested by age 35. We break down the habits, mindset, and income strategies that helped them build wealth over nearly two decades, starting with small contributions and growing into a powerful investing system. Liz shares how growing up in an immigrant household shaped her money mindset, why she focused on maintaining a high savings rate early on, and how multiple income streams accelerated their progress. We also dive into the Canadian investing landscape, including TFSAs, RRSPs, and how to think about diversification across accounts. Now that they’ve reached Coast FIRE, Liz opens up about the emotional side of slowing down, reducing their savings rate, and designing a more flexible lifestyle. From her husband leaving a high-stress job to work part-time at a pizza shop to prioritizing time with their son, this conversation highlights what life can look like when your investments are working for you. If you’re working toward financial independence or wondering what happens after you hit your number, this episode will give you both the strategy and the perspective to keep going. Resources & Links Ambitious Adulting (Liz Enriquez): https://www.instagram.com/ambitiousadulting/Coast FIRE Calculator: https://marriagekidsandmoney.com/calculators/coast-fire/Own Your Time (Andy’s Book): https://marriagekidsandmoney.com/book Credits Host: Andy Hill Editor: Johnny Sohl Podcast Support: Michelle Ahmed Learn more about your ad choices. Visit megaphone.fm/adchoices
• When Work Hijacks Your Life: Here’s How to Break Free | Guy Winch 15.04.2026 26min

  When work starts to take over your life, it can impact more than just your schedule. It can affect your health, relationships, and overall happiness. In this episode, we interview psychologist and bestselling author Guy Winch to explore how to reclaim balance in a world that rewards overworking. We discuss why overworking has become so common, how it affects our mental and physical well-being, and what practical steps you can take to regain control. Guy shares simple, science-backed strategies to help you set boundaries, quiet your mind after work, and reconnect with the parts of your life that matter most. If you’ve ever felt like work is crowding out everything else, this conversation will help you reset, refocus, and build a healthier relationship with your time. Learn more in Guy’s latest book, Mind Over Grind → https://amzn.to/48zLic2 RESOURCES Own Your Time – Order my first book today! MKM Coaching – Get 1-on-1 support with your family finance journey. Coast FIRE Calculator – Find out when you can slow down or stop investing for retirement. Mortgage Payoff Calculator – See how fast you can become mortgage free. YouTube – Subscribe for free to watch videos of episodes and interviews. GUEST RESOURCE Mind Over Grind by Guy Winch – Break free from overwork and reclaim your time. HOW WE MAKE MONEY + DISCLAIMER This show may contain affiliate links or links from our advertisers where we earn a commission, direct payment or products. Opinions are the creators alone. Information shared on this podcast is for entertainment purposes only and should not be considered as professional advice. Marriage Kids and Money (www.marriagekidsandmoney.com) is a participant in the Amazon Services LLC Associates Program, an affiliate advertising program designed to provide a means for sites to earn advertising fees by advertising and linking to amazon.com. CREDITS Editor: Johnny Sohl Podcast Support: Michelle Ahmed Learn more about your ad choices. Visit megaphone.fm/adchoices
• Should You Have a Third Child? How to Think Through the Decision 08.04.2026 35min

  Should you have a third child? And how can you help your kids graduate college debt-free? In this episode, we explore one of life’s most personal decisions: whether to grow your family. We walk through a thoughtful 7-step framework to help you and your partner decide if a third child is right for you—covering emotional readiness, relationship strength, finances, and the value of time. Then, we’re joined by educator and author Shelley Branine to talk about how families can avoid student loan debt. We dive into why college costs have skyrocketed and how strategies like dual enrollment can help students earn college credits in high school—often at little to no cost. If you’re thinking about expanding your family or planning for your child’s education, this episode will give you clarity, confidence, and practical next steps. Resources and Links 📚 📖My new book, "Own Your Time"  https://marriagekidsandmoney.com/ownyourtimeamazon 📞Voicemail for Questions: Leave a voicemail at ⁠marriagekidsmoney.com/voicemail⁠ to have your question answered on the show! 💻 Sponsors and Additional Resources ⁠⁠https://marriagekidsandmoney.com/resources⁠⁠ 👉Connect with me on social media: LinkedIn: ⁠AndyHillMKM⁠ Instagram: ⁠MarriageKidsAndMoney⁠ CREDITS Editor: Johnny Sohl Podcast Support: Michelle Ahmed Learn more about your ad choices. Visit megaphone.fm/adchoices
• How to Buy Your First Home | Scott Harris 01.04.2026 32min

  Buying your first home can feel overwhelming, especially in today’s market with rising prices and higher interest rates. In this episode, we sit down with real estate expert Scott Harris to break down how first-time buyers can move forward with confidence. Scott, founder of Magnetic Real Estate and author of The Pursuit of Home, shares why so many buyers feel stuck and how to overcome that fear with the right preparation and mindset. We discuss how to save for a down payment, get pre-approved, choose the right real estate agent, and navigate the emotional side of buying a home as a couple. If you’ve been sitting on the sidelines wondering when to buy or how to start, this episode will help you take your next step toward homeownership with clarity and confidence. RESOURCES Andy Hill's book Own Your Time The Pursuit of Home (Book) – Scott Harris’ guide to navigating the home buying journey. HOW WE MAKE MONEY + DISCLAIMER This show may contain affiliate links or links from our advertisers where we earn a commission, direct payment or products. Opinions are the creators alone. Information shared on this podcast is for entertainment purposes only and should not be considered as professional advice. Marriage Kids and Money (www.marriagekidsandmoney.com) is a participant in the Amazon Services LLC Associates Program, an affiliate advertising program designed to provide a means for sites to earn advertising fees by advertising and linking to amazon.com. CREDITS Podcast Artwork: Liz Theresa Editor: Johnny Sohl Podcast Support: Andy Hill Learn more about your ad choices. Visit megaphone.fm/adchoices
• Coast FIRE with $900k by 40 in Colorado | Suzy May 25.03.2026 32min

  What does it mean to reach Coast FIRE in your late 30s and how does it change your life? In this episode, we sit down with certified financial educator Suzy May to discuss how she and her husband reached Coast FIRE with $900,000 invested before age 40. We talk about how starting early, maintaining a strong savings rate, and investing consistently allowed their portfolio to grow to a point where they no longer need to aggressively contribute to retirement. Suzy shares how Coast FIRE has given their family the freedom to slow down, work less, and design a life filled with travel, flexibility, and meaningful time with their kids. We also discuss the emotional shift that happens when you move from wealth building to wealth enjoying and how families can define success beyond the numbers. If you’ve ever wondered what happens after you build a strong investment foundation, this conversation will give you a real-life look at how Coast FIRE can create more options for your family. Carpe Diem! Resources & Links Own Your Time (Andy’s book): https://marriagekidsandmoney.com/book Suzy May Website: https://suzymaywander.com Wander World School Podcast: www.wanderworldschool.com Monarch Money: https://marriagekidsandmoney.com/monarchmoney Credits Host: Andy Hill Editor: Johnny Sohl Learn more about your ad choices. Visit megaphone.fm/adchoices
• $2.9 Million Net Worth at 43 in Vancouver | Kristy Shen & Bryce Leung 18.03.2026 35min

  Kristy Shen and Bryce Leung have grown their family’s net worth to $2.9 million by age 43 without owning a home and while traveling the world for years. In this episode, we break down how they built wealth starting with a modest income, avoided lifestyle inflation, and reached financial independence in their 30s. Kristy and Bryce share how their $1 million portfolio doubled while they were retired, how geographic arbitrage helped them control spending, and why investing early matters more than earning a six figure salary. We also talk about becoming parents after reaching FI, the real cost of raising a child, and how marketing pressures families into overspending. If you have ever worried that kids will derail your financial goals, this conversation will challenge that narrative. Most importantly, Kristy and Bryce explain how financial independence gave them the ultimate gift, time, especially during one of the most difficult seasons of their lives. Want to build wealth and design a life around what matters most? Grab my book Own Your Time: https://marriagekidsandmoney.com/book In This Episode You’ll Learn: How they reached $1 million in their 30s and grew it to $2.9 million Why avoiding lifestyle inflation accelerates wealth building The difference between investable assets and home equity How travel helped lower their annual expenses The real cost of raising a child Why financial independence is about buying back your time Resources Mentioned: Parent Like a Millionaire Without Being One: https://amzn.to/4rbbKPM Millennial Revolution Blog: https://www.millennial-revolution.com Free Investment Workshop: https://www.millennial-revolution.com/investworkshop Monarch Money to track your net worth: https://marriagekidsandmoney.com/monarchmoney Leave a voicemail for the show: https://marriagekidsandmoney.com/voicemail Podcast Credits: Host: Andy Hill Editor: Johnny Sohl Carpe Diem! Learn more about your ad choices. Visit megaphone.fm/adchoices
• She Cried Reading My Book: Nicole’s Honest Review of Own Your Time (Bread & Wine) 11.03.2026 43min

  Nicole is back for our annual Bread & Wine episode and this one gets real. After finally reading my new book Own Your Time, she shares her honest and emotional reaction including the chapter that made her cry. We talk about the embarrassment of discussing money, the tension we felt during our debt payoff journey, and what it really takes to pursue financial independence as a married couple. Nicole opens up about growing up with money insecurity, why sharing our financial story felt vulnerable, and how we found a healthier middle ground on our path to time freedom. We also discuss why money should not be taboo, how to avoid pushing your spouse too far in the pursuit of financial independence, and what wealth truly feels like today. If you are in the messy middle of career, kids, and financial stress, this conversation is for you. Resources Mentioned Own Your Time by Andy Hillhttps://marriagekidsandmoney.com/book Leave us a voicemail for a future episodehttps://marriagekidsandmoney.com/voicemail Learn more about your ad choices. Visit megaphone.fm/adchoices
• Work is Not Mandatory: 10 Years of Early Retirement Reflections | Brad Barrett (ChooseFI) 04.03.2026 44min

  When work becomes optional, a new question appears: who do you want to be now? Brad Barrett retired in 2015 at age 35 after a 13 year career as an accountant. Since then, he’s spent the last decade experimenting with early retirement, building ChooseFI into one of the largest personal finance podcasts in the world, and refining what a meaningful life actually looks like after financial independence. In this episode, Brad shares what pushed him toward financial independence, the key financial decisions that accelerated his path, and the surprising lessons he’s learned after 10+ years of optional work. We also talk about balance, identity, intentional living, and why some people stay one more year longer than they need to. If you’re pursuing financial independence or wondering what life really looks like on the other side, this conversation will challenge you to think deeper about time, money, and what truly matters. Want to build wealth and design a life around what matters most? Grab my book Own Your Time: https://marriagekidsandmoney.com/book In This Episode You’ll Learn: Why Brad started pursuing financial independence in his 20s The financial decisions that helped him retire at 35 How to think differently about spending and intentionality What early retirement is really like after the honeymoon phase Why “one more year” can cost more than you think Resources Mentioned: ChooseFI Podcast: https://choosefi.com ChooseFI Local Groups: https://choosefi.com/local Monarch Money (track your net worth): https://marriagekidsandmoney.com/monarchmoney Leave a voicemail for the show: https://marriagekidsandmoney.com/voicemail Podcast Credits: Host: Andy Hill Editor: Johnny Sohl Carpe Diem. Learn more about your ad choices. Visit megaphone.fm/adchoices
• $2.8M Net Worth in Texas by Age 35 | Justin Taylor 25.02.2026 23min

  Justin Taylor reached a $2.8 million net worth by age 35 and retired in his early 30s. In this episode, he breaks down exactly how he built wealth, transitioned from the Air Force to corporate America, and walked away from full-time work to design a life focused on freedom, health, and travel. Justin shares how growing up with a scarcity mindset shaped his financial habits, why tracking your net worth changes everything, and the simple total stock market index fund strategy that fueled his growth. If you’ve ever felt behind financially or wondered whether financial independence is possible for you, this conversation will give you both tactical steps and mindset shifts. Want to build wealth and design a life around what matters most? Check out my book Own Your Time: https://marriagekidsandmoney.com/book In This Episode You’ll Learn: How Justin built a $2.8 million net worth by 35 His simple index fund investing approach The income journey from military to corporate What early retirement actually looks like How to overcome a scarcity mindset Resources Mentioned: The Financial Independence Show: https://thefishow.com/ Saving Sherpa: https://saving-sherpa.com/ Monarch Money (track your net worth): https://marriagekidsandmoney.com/monarchmoney Leave a voicemail for the show: https://marriagekidsandmoney.com/voicemail Podcast Credits: Host: Andy Hill Editor: Johnny Sohl Artwork: Kayli Johnson Learn more about your ad choices. Visit megaphone.fm/adchoices
• Coast FIRE with $1M by 35 in New York | Jesse Cramer 18.02.2026 31min

  In this episode, we talk with Jesse Cramer about his journey to reaching Coast FIRE, a milestone where existing investments can grow to fund retirement without additional contributions. We unpack how starting early and letting compound interest work over time can create long-term freedom. We also discuss the tension between saving and enjoying life today, especially while managing the realities of family expenses. Along the way, we highlight the importance of financial education and staying flexible as plans evolve. If you’ve ever wondered whether you’re starting too late, unsure how to balance today’s needs with tomorrow’s goals, or questioning what financial independence really looks like, then this episode is for you. 00:00 The Importance of Saving and Compound Interest 02:58 Achieving Coast Fire: Jesse's Journey 06:02 Understanding Investments and Financial Education 09:01 Income Growth and Financial Decisions 11:57 Balancing Spending and Budgeting 14:57 Managing Family Expenses and Lifestyle Inflation 18:03 The Flexibility of Financial Planning 20:54 Generational Wealth and Parenting Perspectives 24:04 Future Goals and Family Focus 27:11 Key Takeaways for Financial Success Resources and Links 📚 📖My new book, "Own Your Time"  https://marriagekidsandmoney.com/book 🎙️ Jesse Cramer's podcast: Personal Finance for Long Term Investors 💻 Jesse Cramer's blog:  ⁠Best Interest Blog⁠ 💻 Sponsors and Additional Resources https://marriagekidsandmoney.com/resources 📞Voicemail for Questions: Leave a voicemail at marriagekidsmoney.com/voicemail to have your question answered on the show! 👉Connect with me on social media: LinkedIn: Andy Hill, MKM Instagram and Facebook: MarriageKidsAndMoney Credits Editor: Johnny Sohl Podcast Artwork: Kayli Johnson Learn more about your ad choices. Visit megaphone.fm/adchoices
• How to Prepare (Not Protect) Your Kids for Financial Success | Lee Benson 11.02.2026 29min

  How can we help our kids become resilient and independent without pushing too hard or protecting too much? This week, we sit down with Lee Benson, author of Value Creation Kid, to talk about turning everyday responsibilities into growth opportunities. Lee shares how chores, family meetings, and shared decision making can create a culture of leadership, accountability, and value creation at home. We wrap things up with practical steps families can take today, including involving kids in financial decisions and setting clear expectations that foster independence. Whether you are raising preschoolers or teens, this episode will help you shift from protecting to preparing your kids for life. Visit dinnertable.com to learn more about building a value driven family culture. CHAPTERS 🎧 0:00 - Introduction and Guest Welcome1:33 - Why Parents Avoid Struggle3:18 - Healthy vs. Unhealthy Struggles5:04 - Lee Benson's Personal Story9:04 - Connecting with Kids on Values10:34 - Family Meetings and Leadership13:30 - The Role of Family Dinners16:09 - Running the Household as a Team19:51 - Chores, Allowances, and Money Mindset24:32 - Conclusion and Call to Action Resources and Links 📚 📖My new book, "Own Your Time"  https://marriagekidsandmoney.com/ownyourtimeamazon 💻 Sponsors and Additional Resources https://marriagekidsandmoney.com/resources 📞Voicemail for Questions: Leave a voicemail at marriagekidsmoney.com/voicemail to have your question answered on the show! 👉Connect with me on social media: LinkedIn: AndyHillMKM Instagram and Facebook: MarriageKidsAndMoney Learn more about your ad choices. Visit megaphone.fm/adchoices
• How to Think About Tax Diversification for Retirement 04.02.2026 40min

  How do you decide between Roth and traditional investing when you want flexibility in the future? We kick off the show by answering a listener question from Liz about how much to invest in Roth versus traditional accounts. We walk through tax diversification, the three bucket strategy, and how to think about today’s income versus retirement so your family can build wealth with options. Next, we sit down with Anthony Rojas from Georgia for our Net Worth Win segment. Anthony shares how his family built an $868,000 net worth by age 39, the financial lessons shaped by his upbringing, and how he and his wife are using money to create stability, generosity, and meaningful experiences for their growing family. We wrap things up with a Money Quiz featuring Calvin. Together, we test his knowledge on net worth, investing, and YouTube monetization so kids and parents can learn and play along together. Chapters 🎧 0:00 Introduction and Episode Overview  1:29 Listener Question from Liz  2:51 Tax Buckets Explained  11:52 Anthony Rojas's Net Worth Journey  21:38 Building Generational Wealth  31:03 Money Quiz with Calvin Hill  Resources and Links 📚 📖My new book, "Own Your Time"  https://marriagekidsandmoney.com/ownyourtimeamazon 📞Voicemail for Questions: Leave a voicemail at marriagekidsmoney.com/voicemail to have your question answered on the show! 🎙️Anthony Rojas's Podcast: Listen to Anthony's podcast, Unknown Variables 🍑Nectarine Financial Advisors: Recommended for advice-only financial planning. Visit marriagekidsmoney.com/Nectarine for more information. 💻 Sponsors and Additional Resources ⁠https://marriagekidsandmoney.com/resources⁠ 👉Connect with me on social media: LinkedIn: AndyHillMKM Instagram and Facebook: MarriageKidsAndMoney Credits Editor: Johnny Sohl Podcast Artwork: Kayli Johnson Learn more about your ad choices. Visit megaphone.fm/adchoices
• Best Investment Accounts for Financial Independence | Sean Mullaney 28.01.2026 57min

  In this episode, I talk with Cody Berman and Sean Mullaney about what it really takes to reach early financial independence. Cody shares how he built a $4.8 million net worth by 29 through frugal living, intentional spending, and creating multiple income streams, while Sean breaks down the smartest tax strategies early retirees use to access money sooner and keep more of what they earn. We cover how to effectively use 401(k)s, Roth IRAs, HSAs, and taxable accounts together, plus key tactics like the Rule of 55, Roth conversions, and tax arbitrage that can dramatically lower your lifetime tax rate. Sean makes complex tax planning simple and actionable for anyone pursuing FIRE. Whether you’re just starting your wealth-building journey or planning an early retirement, this episode delivers practical strategies to grow wealth faster and design a flexible, purpose-driven financial future. CHAPTERS 🎧 00:00 – Welcome & Episode Overview 01:10 – Best Accounts for Early Retirement 02:45 – Why Traditional 401(k)s Still Matter 04:55 – Accessing Retirement Money Before 59½ 07:10 – Roth IRAs for Early Retirement Flexibility 11:45 – Using Taxable Accounts to Retire Early 14:10 – Tax Rate Arbitrage & Keeping Taxes Low 18:45 – HSAs, ACA Planning, and Early Retirement 23:10 – Financial Independence with Purpose 26:00 – Net Worth Win: $4.8M by Age 29 27:45 – Cody Berman’s FIRE Origin Story 32:00 – Quitting Corporate & Scaling Income Fast 37:00 – Building Multiple Income Streams 41:45 – Net Worth & Asset Breakdown 46:25 – Debt, Risk, and Long-Term Wealth Strategy 50:55 – Spending, Lifestyle, and Life After FI 52:55 – Advice for Your 20s & Getting Started 55:00 – Final Thoughts & Where to Connect Resources and Links 📚 My new book, "Own Your Time" - https://marriagekidsandmoney.com/book Sponsors and Additional Resources https://marriagekidsandmoney.com/resources FI Tax Guy (Sean’s blog & tax planning resources): https://fitaxguy.com/ Cody Berman’s official site (passive income guides & resources): https://codydberman.com/ The Financial Independence Show (podcast by Cody Berman & Justin Taylor): https://podcasts.apple.com/us/podcast/the-financial-independence-show/id1434155196 Gold City Ventures (Cody’s company focused on passive income and online business): https://goldcityventures.com/ Gold City Ventures on YouTube: https://www.youtube.com/c/goldcityventures Credits Editor: Johnny Sohl Podcast Artwork: Kayli Johnson NOTE: The discussion is intended to be for general educational purposes and is not tax, legal, or investment advice for any individual. Andy and Marriage Kids and Money do not endorse Sean Mullaney, Mullaney Financial & Tax, Inc. and their services.  Learn more about your ad choices. Visit megaphone.fm/adchoices
• How to Reach Coast FIRE by Age 30, 40 and 50 21.01.2026 45min

  In this episode of the Marriage Kids and Money podcast, we break down Coast FIRE, a financial approach that lets you “coast” to retirement once your investments can grow on their own, without needing to keep pouring money in. We're joined by Mike English, who shares his real-life path to reaching Coast FIRE in his 30s and what that decision changed about his life and priorities. Plus, Calvin joins Andy and hops on the mic for a fun and meaningful conversation about why investing early actually matters. They talk investment strategies, financial independence, and how to think long-term about building wealth that lasts. If you’ve ever wondered whether you’re saving enough, questioned the pressure to grind forever, or thought about what kind of money story you want your kids to grow up with, this episode might shift how you think about the road to financial freedom. Chapters 🎧 00:00 Introduction to Coast Fire 01:15 Understanding Coast Fire by Age 30, 40, and 50 12:08 Interview with Mike English: Achieving Coast Fire 34:04 Good Word with Calvin: Celebrating Financial Literacy Resources and Links 📚 My new book, "Own Your Time" - https://marriagekidsandmoney.com/ownyourtimeamazon Try our FREE Coast FIRE Calculator 📱 https://marriagekidsandmoney.com/calculators/coast-fire/ Sponsors and Additional Resources https://marriagekidsandmoney.com/resources Credits Editor: Johnny Sohl Podcast Artwork: Kayli Johnson Learn more about your ad choices. Visit megaphone.fm/adchoices