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BiggerPockets Money Podcast Archive
Every episode of the BiggerPockets Money Podcast, from the beginning of time. Thank you for listening, and for coming to our website!
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The Lifestyle Creep You Actually Planned: When Spending More Is the Right Move
Every personal finance article you’ve ever read has warned you about lifestyle creep. You get a raise, you upgrade the car, you start ordering the good guacamole, and suddenly your savings rate has quietly deflated like a balloon three days after a birthday party. The warnings are real and the math is unforgiving. Lifestyle creep…
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Net Investment Income Tax: The 3.8% Surtax Nobody Talks About
You’ve done the hard part. You saved aggressively, invested consistently, built up rental income or a brokerage portfolio worth bragging about, and now you’re watching your passive income roll in like a well-earned wave. Congratulations. The IRS would also like to congratulate you, with a bill. Meet the Net Investment Income Tax, or NIIT. It’s…
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Concentration Risk from Success: What to Do When One Asset Dominates Your Net Worth
There’s a financial problem that nobody warns you about when you’re just getting started, because it only happens to people who are doing really well. It’s the kind of problem that sounds almost ungrateful to complain about. The problem is this: you got good at something, or lucky with something, or both, and now one…
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Stop Optimizing for a Retirement You’re Too Scared to Take
Let’s get one thing out of the way: you are never going to get a guarantee. Not from the 4% Rule. Not from a 3.5% withdrawal rate. Not from working one more year, or two more years, or retiring at 55 instead of 50 because the sequence-of-returns risk felt a little spooky that Tuesday in…
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Are You Over-Contributing to Your 401(k)?
You did everything right. You read the personal finance basics, nodded enthusiastically at the advice to contribute to your retirement accounts, and have been dutifully stuffing the maximum amount you can into your tax-deferred account like a responsible adult. Your coworkers are out here buying boats and you’re building generational wealth. Good for you. Except…
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What Your Parents Got Wrong About Money (And What They Actually Got Right)
Your parents did their best. That’s the disclaimer we’re putting at the top, right here, before anything else, because this article is going to say some things about the financial lessons you grew up with that might be a little uncomfortable, and we want to be clear from the outset that none of it is…
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Want More Raises, Better Opportunities, and Actual Job Security? Do These Things.
Let’s get one thing out of the way immediately: becoming invaluable at work has nothing to do with being the person who eats lunch at their desk, answers emails at 11 PM, or volunteers for every committee that’s ever existed. That’s not invaluable. That’s exhausting, and it will eventually make you the kind of person…
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The Investment You Missed Is Not the End of Your Story
Let me tell you about a company I fell in love with. Not in a weird way. In the way where you start reading one article, then another, then you’re three years deep into quarterly reports, founder interviews, and YouTube rabbit holes at 11pm on a Tuesday because you simply cannot stop learning about what…
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Dear 22-Year-Old Me: The Five Money Moves I Wish I Had Made When I Was You
It’s graduation season. Somewhere near you, a person in a polyester robe is accepting a diploma, taking approximately four hundred photos, and preparing to make every financial mistake available to them. They’re smart, they’re excited, and they have absolutely no idea what they don’t know. Which is, of course, the defining feature of being 22.…
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What Does “Enough” Actually Mean? How to Define FI on Your Own Terms
The FIRE community is extraordinarily good at math. Ask anyone here what their FI number is and they’ll not only tell you the number, but they can also tell you their savings rate, their expected real rate of return, their projected sequence of returns risk, and their planned withdrawal strategy. They’ve run Monte Carlo simulations.…