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		<title>BiggerPockets Money Podcast</title>
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		<description>Intermediate to advanced personal finance strategies for people serious about the FIRE (financial independence retire early) movement—not just dreaming about it.

Tune in on Tuesdays and Fridays for new BiggerPockets Money episodes with your hosts, Mindy Jensen and Scott Trench! Or visit BiggerPocketsMoney.com with additional resources.</description>
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		<copyright>© Copyright © 2025 BiggerPockets. All Rights Reserved. Disclaimer: The information contained in this podcast is for general informational purposes only. In no event will BiggerPockets be liable for any loss or damage derived from the information provided.</copyright>
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		<itunes:author>BiggerPockets </itunes:author>
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		<itunes:summary>Intermediate to advanced personal finance strategies for people serious about the FIRE (financial independence retire early) movement—not just dreaming about it.

Tune in on Tuesdays and Fridays for new BiggerPockets Money episodes with your hosts, Mindy Jensen and Scott Trench! Or visit BiggerPocketsMoney.com with additional resources.</itunes:summary>
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		<googleplay:author><![CDATA[BiggerPockets ]]></googleplay:author>
			<googleplay:email>blake@biggerpocketsmoney.com</googleplay:email>			<googleplay:description>Intermediate to advanced personal finance strategies for people serious about the FIRE (financial independence retire early) movement—not just dreaming about it.

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<item>
	<title>How to Build an Investment Strategy for Financial Independence</title>
	<link>https://biggerpocketsmoney.com/podcast/how-to-build-an-investment-strategy-for-financial-independence/</link>
	<pubDate>Tue, 26 May 2026 05:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
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	<description><![CDATA[In this episode of the BiggerPockets Money podcast, Bob Haines joins hosts Mindy Jensen and Scott Trench to explain how to build an investor policy statement and create a long-term investment philosophy for financial independence and early retirement. We break down how FIRE investors can design a personalized investing framework that aligns with their goals, [&#8230;]]]></description>
	<itunes:subtitle><![CDATA[In this episode of the BiggerPockets Money podcast, Bob Haines joins hosts Mindy Jensen and Scott Trench to explain how to build an investor policy statement and create a long-term investment philosophy for financial independence and early retirement. We]]></itunes:subtitle>
	<content:encoded><![CDATA[In this episode of the BiggerPockets Money podcast, Bob Haines joins hosts Mindy Jensen and Scott Trench to explain how to build an investor policy statement and create a long-term investment philosophy for financial independence and early retirement. We break down how FIRE investors can design a personalized investing framework that aligns with their goals, [&#8230;]]]></content:encoded>
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	<itunes:summary><![CDATA[In this episode of the BiggerPockets Money podcast, Bob Haines joins hosts Mindy Jensen and Scott Trench to explain how to build an investor policy statement and create a long-term investment philosophy for financial independence and early retirement. We break down how FIRE investors can design a personalized investing framework that aligns with their goals, [&#8230;]]]></itunes:summary>
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	<itunes:duration>01:04:46</itunes:duration>
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<item>
	<title>6 Simple Steps to Financial Independence</title>
	<link>https://biggerpocketsmoney.com/podcast/6-simple-steps-to-financial-independence/</link>
	<pubDate>Fri, 22 May 2026 05:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
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	<description><![CDATA[In this episode of the BiggerPockets Money Podcast, Mindy Jensen and Scott Trench break down the six foundational principles for building wealth and achieving financial independence. From controlling major expenses and increasing your savings rate to investing strategically and building additional income streams, this episode covers the practical habits that consistently help people grow wealth [&#8230;]]]></description>
	<itunes:subtitle><![CDATA[In this episode of the BiggerPockets Money Podcast, Mindy Jensen and Scott Trench break down the six foundational principles for building wealth and achieving financial independence. From controlling major expenses and increasing your savings rate to inv]]></itunes:subtitle>
	<content:encoded><![CDATA[In this episode of the BiggerPockets Money Podcast, Mindy Jensen and Scott Trench break down the six foundational principles for building wealth and achieving financial independence. From controlling major expenses and increasing your savings rate to investing strategically and building additional income streams, this episode covers the practical habits that consistently help people grow wealth [&#8230;]]]></content:encoded>
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	<itunes:summary><![CDATA[In this episode of the BiggerPockets Money Podcast, Mindy Jensen and Scott Trench break down the six foundational principles for building wealth and achieving financial independence. From controlling major expenses and increasing your savings rate to investing strategically and building additional income streams, this episode covers the practical habits that consistently help people grow wealth [&#8230;]]]></itunes:summary>
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	<itunes:duration>00:38:17</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[In this episode of the BiggerPockets Money Podcast, Mindy Jensen and Scott Trench break down the six foundational principles for building wealth and achieving financial independence. From controlling major expenses and increasing your savings rate to investing strategically and building additional income streams, this episode covers the practical habits that consistently help people grow wealth [&#8230;]]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
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<item>
	<title>Ben Felix Critiques FIRE… And Then Makes the Case for 100% Equities in FIRE</title>
	<link>https://biggerpocketsmoney.com/podcast/ben-felix-critiques-fire-and-then-makes-the-case-for-100-equities-in-fire/</link>
	<pubDate>Tue, 19 May 2026 05:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
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	<description><![CDATA[In this episode, Ben Felix joins Mindy Jensen and Scott Trench on the BiggerPockets Money podcast to break down his thoughts on the FIRE movement, portfolio design, safe withdrawal rates, and long-term investing. We discuss how to build a FIRE portfolio that balances risk, flexibility, quality of life, and long-term sustainability — without falling into [&#8230;]]]></description>
	<itunes:subtitle><![CDATA[In this episode, Ben Felix joins Mindy Jensen and Scott Trench on the BiggerPockets Money podcast to break down his thoughts on the FIRE movement, portfolio design, safe withdrawal rates, and long-term investing. We discuss how to build a FIRE portfolio ]]></itunes:subtitle>
	<content:encoded><![CDATA[In this episode, Ben Felix joins Mindy Jensen and Scott Trench on the BiggerPockets Money podcast to break down his thoughts on the FIRE movement, portfolio design, safe withdrawal rates, and long-term investing. We discuss how to build a FIRE portfolio that balances risk, flexibility, quality of life, and long-term sustainability — without falling into [&#8230;]]]></content:encoded>
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	<itunes:summary><![CDATA[In this episode, Ben Felix joins Mindy Jensen and Scott Trench on the BiggerPockets Money podcast to break down his thoughts on the FIRE movement, portfolio design, safe withdrawal rates, and long-term investing. We discuss how to build a FIRE portfolio that balances risk, flexibility, quality of life, and long-term sustainability — without falling into [&#8230;]]]></itunes:summary>
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	<itunes:duration>01:04:57</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[In this episode, Ben Felix joins Mindy Jensen and Scott Trench on the BiggerPockets Money podcast to break down his thoughts on the FIRE movement, portfolio design, safe withdrawal rates, and long-term investing. We discuss how to build a FIRE portfolio that balances risk, flexibility, quality of life, and long-term sustainability — without falling into [&#8230;]]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
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<item>
	<title>The Biggest Portfolio Mistakes FIRE Investors Make</title>
	<link>https://biggerpocketsmoney.com/podcast/the-biggest-portfolio-mistakes-fire-investors-make/</link>
	<pubDate>Fri, 15 May 2026 05:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
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	<description><![CDATA[In this episode of the BiggerPockets Money podcast hosts Mindy Jensen and Scott Trench break down the biggest portfolio mistakes people make on the path to financial independence. From holding too much cash and staying stuck in accumulation mode to ignoring tax optimization, estate planning, and withdrawal strategies, we cover the investing mistakes that can [&#8230;]]]></description>
	<itunes:subtitle><![CDATA[In this episode of the BiggerPockets Money podcast hosts Mindy Jensen and Scott Trench break down the biggest portfolio mistakes people make on the path to financial independence. From holding too much cash and staying stuck in accumulation mode to ignor]]></itunes:subtitle>
	<content:encoded><![CDATA[In this episode of the BiggerPockets Money podcast hosts Mindy Jensen and Scott Trench break down the biggest portfolio mistakes people make on the path to financial independence. From holding too much cash and staying stuck in accumulation mode to ignoring tax optimization, estate planning, and withdrawal strategies, we cover the investing mistakes that can [&#8230;]]]></content:encoded>
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	<itunes:summary><![CDATA[In this episode of the BiggerPockets Money podcast hosts Mindy Jensen and Scott Trench break down the biggest portfolio mistakes people make on the path to financial independence. From holding too much cash and staying stuck in accumulation mode to ignoring tax optimization, estate planning, and withdrawal strategies, we cover the investing mistakes that can [&#8230;]]]></itunes:summary>
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	<itunes:duration>00:33:11</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[In this episode of the BiggerPockets Money podcast hosts Mindy Jensen and Scott Trench break down the biggest portfolio mistakes people make on the path to financial independence. From holding too much cash and staying stuck in accumulation mode to ignoring tax optimization, estate planning, and withdrawal strategies, we cover the investing mistakes that can [&#8230;]]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
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<item>
	<title>How Kyle Built a $4M Real Estate Portfolio Making Less Than $40K</title>
	<link>https://biggerpocketsmoney.com/podcast/how-kyle-built-a-4m-real-estate-portfolio-making-less-than-40k/</link>
	<pubDate>Tue, 12 May 2026 05:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
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	<description><![CDATA[On this episode of the BiggerPockets Money podcast Mindy Jensen and Scott Trench bring on Kyle Collette to discuss how he achieved financial independence and built a real estate portfolio worth more than $4 million while earning less than $40,000 per year. Through house hacking, rental property investing, frugal living, and strategic relationships, Kyle scaled [&#8230;]]]></description>
	<itunes:subtitle><![CDATA[On this episode of the BiggerPockets Money podcast Mindy Jensen and Scott Trench bring on Kyle Collette to discuss how he achieved financial independence and built a real estate portfolio worth more than $4 million while earning less than $40,000 per yea]]></itunes:subtitle>
	<content:encoded><![CDATA[On this episode of the BiggerPockets Money podcast Mindy Jensen and Scott Trench bring on Kyle Collette to discuss how he achieved financial independence and built a real estate portfolio worth more than $4 million while earning less than $40,000 per year. Through house hacking, rental property investing, frugal living, and strategic relationships, Kyle scaled [&#8230;]]]></content:encoded>
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	<itunes:summary><![CDATA[On this episode of the BiggerPockets Money podcast Mindy Jensen and Scott Trench bring on Kyle Collette to discuss how he achieved financial independence and built a real estate portfolio worth more than $4 million while earning less than $40,000 per year. Through house hacking, rental property investing, frugal living, and strategic relationships, Kyle scaled [&#8230;]]]></itunes:summary>
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	<itunes:duration>00:51:22</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[On this episode of the BiggerPockets Money podcast Mindy Jensen and Scott Trench bring on Kyle Collette to discuss how he achieved financial independence and built a real estate portfolio worth more than $4 million while earning less than $40,000 per year. Through house hacking, rental property investing, frugal living, and strategic relationships, Kyle scaled [&#8230;]]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
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<item>
	<title>Your FIRE Number Is Probably Wrong — Here’s Why</title>
	<link>https://biggerpocketsmoney.com/podcast/your-fire-number-is-probably-wrong-heres-why/</link>
	<pubDate>Fri, 08 May 2026 05:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
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	<description><![CDATA[In this episode of the BiggerPockets Money podcast, hosts Mindy Jensen and Scott Trench break down the biggest mistakes people make when calculating their FIRE number and planning for financial independence. Many early retirement calculators rely on simplified assumptions like the 4% rule or current spending levels, but real-life retirement planning is far more complicated. [&#8230;]]]></description>
	<itunes:subtitle><![CDATA[In this episode of the BiggerPockets Money podcast, hosts Mindy Jensen and Scott Trench break down the biggest mistakes people make when calculating their FIRE number and planning for financial independence. Many early retirement calculators rely on simp]]></itunes:subtitle>
	<content:encoded><![CDATA[In this episode of the BiggerPockets Money podcast, hosts Mindy Jensen and Scott Trench break down the biggest mistakes people make when calculating their FIRE number and planning for financial independence. Many early retirement calculators rely on simplified assumptions like the 4% rule or current spending levels, but real-life retirement planning is far more complicated. [&#8230;]]]></content:encoded>
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	<itunes:summary><![CDATA[In this episode of the BiggerPockets Money podcast, hosts Mindy Jensen and Scott Trench break down the biggest mistakes people make when calculating their FIRE number and planning for financial independence. Many early retirement calculators rely on simplified assumptions like the 4% rule or current spending levels, but real-life retirement planning is far more complicated. [&#8230;]]]></itunes:summary>
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	<itunes:block>no</itunes:block>
	<itunes:duration>00:35:02</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[In this episode of the BiggerPockets Money podcast, hosts Mindy Jensen and Scott Trench break down the biggest mistakes people make when calculating their FIRE number and planning for financial independence. Many early retirement calculators rely on simplified assumptions like the 4% rule or current spending levels, but real-life retirement planning is far more complicated. [&#8230;]]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>Is Small Cap Value Worth It? Ben Felix Explains the Truth About AVUV &#038; Factor Investing</title>
	<link>https://biggerpocketsmoney.com/podcast/is-small-cap-value-worth-it-ben-felix-explains-the-truth-about-avuv-factor-investing/</link>
	<pubDate>Tue, 05 May 2026 05:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
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	<description><![CDATA[On this episode of the BiggerPockets Money Podcast, hosts Mindy Jensen and Scott Trench sit down with Ben Felix to break down one of the most debated topics in long-term investing: small cap value investing. Ben explains the research behind factor investing, the Fama-French multi-factor model, and why investors continue to look at small cap [&#8230;]]]></description>
	<itunes:subtitle><![CDATA[On this episode of the BiggerPockets Money Podcast, hosts Mindy Jensen and Scott Trench sit down with Ben Felix to break down one of the most debated topics in long-term investing: small cap value investing. Ben explains the research behind factor invest]]></itunes:subtitle>
	<content:encoded><![CDATA[On this episode of the BiggerPockets Money Podcast, hosts Mindy Jensen and Scott Trench sit down with Ben Felix to break down one of the most debated topics in long-term investing: small cap value investing. Ben explains the research behind factor investing, the Fama-French multi-factor model, and why investors continue to look at small cap [&#8230;]]]></content:encoded>
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	<itunes:summary><![CDATA[On this episode of the BiggerPockets Money Podcast, hosts Mindy Jensen and Scott Trench sit down with Ben Felix to break down one of the most debated topics in long-term investing: small cap value investing. Ben explains the research behind factor investing, the Fama-French multi-factor model, and why investors continue to look at small cap [&#8230;]]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>00:55:16</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[On this episode of the BiggerPockets Money Podcast, hosts Mindy Jensen and Scott Trench sit down with Ben Felix to break down one of the most debated topics in long-term investing: small cap value investing. Ben explains the research behind factor investing, the Fama-French multi-factor model, and why investors continue to look at small cap [&#8230;]]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>How the Top 1% Are Investing in 2026 (Real Portfolio Data)</title>
	<link>https://biggerpocketsmoney.com/podcast/how-the-top-1-are-investing-in-2026-real-portfolio-data/</link>
	<pubDate>Fri, 01 May 2026 05:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">https://biggerpocketsmoney.com/podcast/how-the-top-1-are-investing-in-2026-real-portfolio-data/</guid>
	<description><![CDATA[What are high-net-worth investors actually doing with their money in 2026? In this episode of the BiggerPockets Money podcast, we break down the latest asset allocation trends using real portfolio data from Long Angle—a community of high-net-worth investors. From equities and real estate to private credit and alternative investments, this is a behind-the-scenes look at [&#8230;]]]></description>
	<itunes:subtitle><![CDATA[What are high-net-worth investors actually doing with their money in 2026? In this episode of the BiggerPockets Money podcast, we break down the latest asset allocation trends using real portfolio data from Long Angle—a community of high-net-worth invest]]></itunes:subtitle>
	<content:encoded><![CDATA[What are high-net-worth investors actually doing with their money in 2026? In this episode of the BiggerPockets Money podcast, we break down the latest asset allocation trends using real portfolio data from Long Angle—a community of high-net-worth investors. From equities and real estate to private credit and alternative investments, this is a behind-the-scenes look at [&#8230;]]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/MGEEK5044251334.mp3" length="0" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[What are high-net-worth investors actually doing with their money in 2026? In this episode of the BiggerPockets Money podcast, we break down the latest asset allocation trends using real portfolio data from Long Angle—a community of high-net-worth investors. From equities and real estate to private credit and alternative investments, this is a behind-the-scenes look at [&#8230;]]]></itunes:summary>
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	<itunes:duration>00:50:20</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[What are high-net-worth investors actually doing with their money in 2026? In this episode of the BiggerPockets Money podcast, we break down the latest asset allocation trends using real portfolio data from Long Angle—a community of high-net-worth investors. From equities and real estate to private credit and alternative investments, this is a behind-the-scenes look at [&#8230;]]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
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<item>
	<title>The Messy Middle of Financial Independence (How to Stay Motivated)</title>
	<link>https://biggerpocketsmoney.com/podcast/the-messy-middle-of-financial-independence-how-to-stay-motivated/</link>
	<pubDate>Tue, 28 Apr 2026 05:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">https://biggerpocketsmoney.com/podcast/the-messy-middle-of-financial-independence-how-to-stay-motivated/</guid>
	<description><![CDATA[The “messy middle” is the longest—and hardest—phase of the financial independence (FIRE) journey. It’s where progress feels slow, motivation dips, and burnout can creep in. In this episode of the BiggerPockets Money podcast, Mindy Jensen and Carl Jensen (our guest host for today) break down how to stay consistent, avoid over-optimization, and actually enjoy life [&#8230;]]]></description>
	<itunes:subtitle><![CDATA[The “messy middle” is the longest—and hardest—phase of the financial independence (FIRE) journey. It’s where progress feels slow, motivation dips, and burnout can creep in. In this episode of the BiggerPockets Money podcast, Mindy Jensen and Carl Jensen ]]></itunes:subtitle>
	<content:encoded><![CDATA[The “messy middle” is the longest—and hardest—phase of the financial independence (FIRE) journey. It’s where progress feels slow, motivation dips, and burnout can creep in. In this episode of the BiggerPockets Money podcast, Mindy Jensen and Carl Jensen (our guest host for today) break down how to stay consistent, avoid over-optimization, and actually enjoy life [&#8230;]]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/MGEEK8496256430.mp3" length="0" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[The “messy middle” is the longest—and hardest—phase of the financial independence (FIRE) journey. It’s where progress feels slow, motivation dips, and burnout can creep in. In this episode of the BiggerPockets Money podcast, Mindy Jensen and Carl Jensen (our guest host for today) break down how to stay consistent, avoid over-optimization, and actually enjoy life [&#8230;]]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>00:33:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[The “messy middle” is the longest—and hardest—phase of the financial independence (FIRE) journey. It’s where progress feels slow, motivation dips, and burnout can creep in. In this episode of the BiggerPockets Money podcast, Mindy Jensen and Carl Jensen (our guest host for today) break down how to stay consistent, avoid over-optimization, and actually enjoy life [&#8230;]]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>From $69K Debt to Financial Independence in NYC</title>
	<link>https://biggerpocketsmoney.com/podcast/from-69k-debt-to-financial-independence-in-nyc/</link>
	<pubDate>Fri, 24 Apr 2026 05:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">https://biggerpocketsmoney.com/podcast/from-69k-debt-to-financial-independence-in-nyc/</guid>
	<description><![CDATA[Kim Hunter Borst didn’t start her financial independence journey in New York City—but it’s where everything changed. After building a high-income life, she and her husband found themselves $69,000 in debt from lifestyle inflation. Instead of leaving NYC, they got intentional—cutting expenses, leveraging a rent-stabilized apartment, and maxing out retirement accounts. Now, they’ve achieved financial [&#8230;]]]></description>
	<itunes:subtitle><![CDATA[Kim Hunter Borst didn’t start her financial independence journey in New York City—but it’s where everything changed. After building a high-income life, she and her husband found themselves $69,000 in debt from lifestyle inflation. Instead of leaving NYC,]]></itunes:subtitle>
	<content:encoded><![CDATA[Kim Hunter Borst didn’t start her financial independence journey in New York City—but it’s where everything changed. After building a high-income life, she and her husband found themselves $69,000 in debt from lifestyle inflation. Instead of leaving NYC, they got intentional—cutting expenses, leveraging a rent-stabilized apartment, and maxing out retirement accounts. Now, they’ve achieved financial [&#8230;]]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/MGEEK1756682124.mp3" length="0" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[Kim Hunter Borst didn’t start her financial independence journey in New York City—but it’s where everything changed. After building a high-income life, she and her husband found themselves $69,000 in debt from lifestyle inflation. Instead of leaving NYC, they got intentional—cutting expenses, leveraging a rent-stabilized apartment, and maxing out retirement accounts. Now, they’ve achieved financial [&#8230;]]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>00:31:16</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[Kim Hunter Borst didn’t start her financial independence journey in New York City—but it’s where everything changed. After building a high-income life, she and her husband found themselves $69,000 in debt from lifestyle inflation. Instead of leaving NYC, they got intentional—cutting expenses, leveraging a rent-stabilized apartment, and maxing out retirement accounts. Now, they’ve achieved financial [&#8230;]]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>Paula Pant Quit Her Job with $25K (Now She’s FI in NYC)</title>
	<link>https://biggerpocketsmoney.com/podcast/paula-pant-quit-her-job-with-25k-now-shes-fi-in-nyc/</link>
	<pubDate>Thu, 23 Apr 2026 05:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">https://biggerpocketsmoney.com/podcast/paula-pant-quit-her-job-with-25k-now-shes-fi-in-nyc/</guid>
	<description><![CDATA[Paula quit her $32,000 job in 2008—before she’d ever heard of the FIRE movement—with just $25,000 saved to travel the world. When she came back, she started freelancing and made a pivotal decision: buying a triplex and house hacking. That one move changed everything. Today, she’s fully financially independent in New York City through real [&#8230;]]]></description>
	<itunes:subtitle><![CDATA[Paula quit her $32,000 job in 2008—before she’d ever heard of the FIRE movement—with just $25,000 saved to travel the world. When she came back, she started freelancing and made a pivotal decision: buying a triplex and house hacking. That one move change]]></itunes:subtitle>
	<content:encoded><![CDATA[Paula quit her $32,000 job in 2008—before she’d ever heard of the FIRE movement—with just $25,000 saved to travel the world. When she came back, she started freelancing and made a pivotal decision: buying a triplex and house hacking. That one move changed everything. Today, she’s fully financially independent in New York City through real [&#8230;]]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/MGEEK2023777809.mp3" length="0" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[Paula quit her $32,000 job in 2008—before she’d ever heard of the FIRE movement—with just $25,000 saved to travel the world. When she came back, she started freelancing and made a pivotal decision: buying a triplex and house hacking. That one move changed everything. Today, she’s fully financially independent in New York City through real [&#8230;]]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>00:33:43</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[Paula quit her $32,000 job in 2008—before she’d ever heard of the FIRE movement—with just $25,000 saved to travel the world. When she came back, she started freelancing and made a pivotal decision: buying a triplex and house hacking. That one move changed everything. Today, she’s fully financially independent in New York City through real [&#8230;]]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>She Retired at 39… After Moving to New York City</title>
	<link>https://biggerpocketsmoney.com/podcast/she-retired-at-39-after-moving-to-new-york-city/</link>
	<pubDate>Wed, 22 Apr 2026 05:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">https://biggerpocketsmoney.com/podcast/she-retired-at-39-after-moving-to-new-york-city/</guid>
	<description><![CDATA[Most people think you need to leave expensive cities to reach financial independence. Walli Miller did the opposite. After discovering the FIRE movement in 2015, Walli Miller moved to New York City—one of the highest cost-of-living cities in the world—and still retired at 39 with her husband, on a combined income under $200K/yr. In this [&#8230;]]]></description>
	<itunes:subtitle><![CDATA[Most people think you need to leave expensive cities to reach financial independence. Walli Miller did the opposite. After discovering the FIRE movement in 2015, Walli Miller moved to New York City—one of the highest cost-of-living cities in the world—an]]></itunes:subtitle>
	<content:encoded><![CDATA[Most people think you need to leave expensive cities to reach financial independence. Walli Miller did the opposite. After discovering the FIRE movement in 2015, Walli Miller moved to New York City—one of the highest cost-of-living cities in the world—and still retired at 39 with her husband, on a combined income under $200K/yr. In this [&#8230;]]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/MGEEK8631377066.mp3" length="0" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[Most people think you need to leave expensive cities to reach financial independence. Walli Miller did the opposite. After discovering the FIRE movement in 2015, Walli Miller moved to New York City—one of the highest cost-of-living cities in the world—and still retired at 39 with her husband, on a combined income under $200K/yr. In this [&#8230;]]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>00:42:48</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[Most people think you need to leave expensive cities to reach financial independence. Walli Miller did the opposite. After discovering the FIRE movement in 2015, Walli Miller moved to New York City—one of the highest cost-of-living cities in the world—and still retired at 39 with her husband, on a combined income under $200K/yr. In this [&#8230;]]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>Coast FI by 30 in a HCOL City (Here’s How He’s Doing it)</title>
	<link>https://biggerpocketsmoney.com/podcast/coast-fi-by-30-in-a-hcol-city-heres-how-hes-doing-it/</link>
	<pubDate>Tue, 21 Apr 2026 05:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">https://biggerpocketsmoney.com/podcast/coast-fi-by-30-in-a-hcol-city-heres-how-hes-doing-it/</guid>
	<description><![CDATA[In this episode, discover how Eli, a 24-year-old living in NYC, is on track to hit financial independence and retire early—despite the city’s high living costs. His strategies and mindset shift challenge common perceptions about NYC being an obstacle to FIRE. To go beyond the podcast: Kick start your financial independence journey with our FREE [&#8230;]]]></description>
	<itunes:subtitle><![CDATA[In this episode, discover how Eli, a 24-year-old living in NYC, is on track to hit financial independence and retire early—despite the city’s high living costs. His strategies and mindset shift challenge common perceptions about NYC being an obstacle to ]]></itunes:subtitle>
	<content:encoded><![CDATA[In this episode, discover how Eli, a 24-year-old living in NYC, is on track to hit financial independence and retire early—despite the city’s high living costs. His strategies and mindset shift challenge common perceptions about NYC being an obstacle to FIRE. To go beyond the podcast: Kick start your financial independence journey with our FREE [&#8230;]]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/MGEEK7587438316.mp3" length="0" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[In this episode, discover how Eli, a 24-year-old living in NYC, is on track to hit financial independence and retire early—despite the city’s high living costs. His strategies and mindset shift challenge common perceptions about NYC being an obstacle to FIRE. To go beyond the podcast: Kick start your financial independence journey with our FREE [&#8230;]]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>00:37:44</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[In this episode, discover how Eli, a 24-year-old living in NYC, is on track to hit financial independence and retire early—despite the city’s high living costs. His strategies and mindset shift challenge common perceptions about NYC being an obstacle to FIRE. To go beyond the podcast: Kick start your financial independence journey with our FREE [&#8230;]]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>9 Things No One Tells You About Financial Independence</title>
	<link>https://biggerpocketsmoney.com/podcast/9-things-no-one-tells-you-about-financial-independence/</link>
	<pubDate>Fri, 17 Apr 2026 09:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">https://biggerpocketsmoney.com/podcast/9-things-no-one-tells-you-about-financial-independence/</guid>
	<description><![CDATA[In this episode of the BiggerPockets Money Podcast, Mindy Jensen and Carl Jensen (our guest host for the week!) break down 9 financial independence (FIRE) lessons most people don’t discover until it’s too late. From the hidden downsides of early retirement to spending, purpose, and relationships, this episode covers what actually changes after you reach [&#8230;]]]></description>
	<itunes:subtitle><![CDATA[In this episode of the BiggerPockets Money Podcast, Mindy Jensen and Carl Jensen (our guest host for the week!) break down 9 financial independence (FIRE) lessons most people don’t discover until it’s too late. From the hidden downsides of early retireme]]></itunes:subtitle>
	<content:encoded><![CDATA[In this episode of the BiggerPockets Money Podcast, Mindy Jensen and Carl Jensen (our guest host for the week!) break down 9 financial independence (FIRE) lessons most people don’t discover until it’s too late. From the hidden downsides of early retirement to spending, purpose, and relationships, this episode covers what actually changes after you reach [&#8230;]]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/MGEEK7208915700.mp3" length="0" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[In this episode of the BiggerPockets Money Podcast, Mindy Jensen and Carl Jensen (our guest host for the week!) break down 9 financial independence (FIRE) lessons most people don’t discover until it’s too late. From the hidden downsides of early retirement to spending, purpose, and relationships, this episode covers what actually changes after you reach [&#8230;]]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>00:42:29</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[In this episode of the BiggerPockets Money Podcast, Mindy Jensen and Carl Jensen (our guest host for the week!) break down 9 financial independence (FIRE) lessons most people don’t discover until it’s too late. From the hidden downsides of early retirement to spending, purpose, and relationships, this episode covers what actually changes after you reach [&#8230;]]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>How This Teacher Financial Independence with Rentals</title>
	<link>https://biggerpocketsmoney.com/podcast/how-this-teacher-financial-independence-with-rentals/</link>
	<pubDate>Tue, 14 Apr 2026 05:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">https://biggerpocketsmoney.com/podcast/how-this-teacher-financial-independence-with-rentals/</guid>
	<description><![CDATA[Corby Goad went from a modest teacher salary to financial independence through real estate investing—and he did it by mastering the fundamentals. In this episode, he shares how house hacking, long-term rentals, and smart leverage helped him build wealth over 25 years, even through the 2008 housing crash. Learn practical strategies for navigating market cycles, [&#8230;]]]></description>
	<itunes:subtitle><![CDATA[Corby Goad went from a modest teacher salary to financial independence through real estate investing—and he did it by mastering the fundamentals. In this episode, he shares how house hacking, long-term rentals, and smart leverage helped him build wealth ]]></itunes:subtitle>
	<content:encoded><![CDATA[Corby Goad went from a modest teacher salary to financial independence through real estate investing—and he did it by mastering the fundamentals. In this episode, he shares how house hacking, long-term rentals, and smart leverage helped him build wealth over 25 years, even through the 2008 housing crash. Learn practical strategies for navigating market cycles, [&#8230;]]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/MGEEK8729973330.mp3" length="0" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[Corby Goad went from a modest teacher salary to financial independence through real estate investing—and he did it by mastering the fundamentals. In this episode, he shares how house hacking, long-term rentals, and smart leverage helped him build wealth over 25 years, even through the 2008 housing crash. Learn practical strategies for navigating market cycles, [&#8230;]]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>00:50:48</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[Corby Goad went from a modest teacher salary to financial independence through real estate investing—and he did it by mastering the fundamentals. In this episode, he shares how house hacking, long-term rentals, and smart leverage helped him build wealth over 25 years, even through the 2008 housing crash. Learn practical strategies for navigating market cycles, [&#8230;]]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>Retiring Early in 5 Years? Do THIS First</title>
	<link>https://biggerpocketsmoney.com/podcast/retiring-early-in-5-years-do-this-first/</link>
	<pubDate>Fri, 10 Apr 2026 05:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">https://biggerpocketsmoney.com/podcast/retiring-early-in-5-years-do-this-first/</guid>
	<description><![CDATA[Thinking about early retirement in the next 5 years? This episode breaks down exactly how to prepare—financially and emotionally—so you don’t just retire early, but stay retired. Mindy Jensen and Scott Trench walk through the critical steps to stress test your portfolio, plan for healthcare costs, optimize your tax strategy, and build a realistic withdrawal [&#8230;]]]></description>
	<itunes:subtitle><![CDATA[Thinking about early retirement in the next 5 years? This episode breaks down exactly how to prepare—financially and emotionally—so you don’t just retire early, but stay retired. Mindy Jensen and Scott Trench walk through the critical steps to stress tes]]></itunes:subtitle>
	<content:encoded><![CDATA[Thinking about early retirement in the next 5 years? This episode breaks down exactly how to prepare—financially and emotionally—so you don’t just retire early, but stay retired. Mindy Jensen and Scott Trench walk through the critical steps to stress test your portfolio, plan for healthcare costs, optimize your tax strategy, and build a realistic withdrawal [&#8230;]]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/MGEEK1074861210.mp3" length="0" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[Thinking about early retirement in the next 5 years? This episode breaks down exactly how to prepare—financially and emotionally—so you don’t just retire early, but stay retired. Mindy Jensen and Scott Trench walk through the critical steps to stress test your portfolio, plan for healthcare costs, optimize your tax strategy, and build a realistic withdrawal [&#8230;]]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>00:41:43</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[Thinking about early retirement in the next 5 years? This episode breaks down exactly how to prepare—financially and emotionally—so you don’t just retire early, but stay retired. Mindy Jensen and Scott Trench walk through the critical steps to stress test your portfolio, plan for healthcare costs, optimize your tax strategy, and build a realistic withdrawal [&#8230;]]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>How She Quit Full-Time Work at 27 Without Millions (Coast FI)</title>
	<link>https://biggerpocketsmoney.com/podcast/how-she-quit-full-time-work-at-27-without-millions-coast-fi/</link>
	<pubDate>Tue, 07 Apr 2026 05:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">https://biggerpocketsmoney.com/podcast/how-she-quit-full-time-work-at-27-without-millions-coast-fi/</guid>
	<description><![CDATA[What if you didn’t have to grind your way to financial independence? In this episode, Alyssa shares how she reached Coast FI by prioritizing flexibility, intentional spending, and what she calls “hobby jobs” over traditional full-time work. After leaving a high-stress healthcare career, she designed a life of part-time income, travel, and freedom—proving you can [&#8230;]]]></description>
	<itunes:subtitle><![CDATA[What if you didn’t have to grind your way to financial independence? In this episode, Alyssa shares how she reached Coast FI by prioritizing flexibility, intentional spending, and what she calls “hobby jobs” over traditional full-time work. After leaving]]></itunes:subtitle>
	<content:encoded><![CDATA[What if you didn’t have to grind your way to financial independence? In this episode, Alyssa shares how she reached Coast FI by prioritizing flexibility, intentional spending, and what she calls “hobby jobs” over traditional full-time work. After leaving a high-stress healthcare career, she designed a life of part-time income, travel, and freedom—proving you can [&#8230;]]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/MGEEK4564759933.mp3" length="0" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[What if you didn’t have to grind your way to financial independence? In this episode, Alyssa shares how she reached Coast FI by prioritizing flexibility, intentional spending, and what she calls “hobby jobs” over traditional full-time work. After leaving a high-stress healthcare career, she designed a life of part-time income, travel, and freedom—proving you can [&#8230;]]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>00:46:59</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[What if you didn’t have to grind your way to financial independence? In this episode, Alyssa shares how she reached Coast FI by prioritizing flexibility, intentional spending, and what she calls “hobby jobs” over traditional full-time work. After leaving a high-stress healthcare career, she designed a life of part-time income, travel, and freedom—proving you can [&#8230;]]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>Can He Retire in 10 Years? (We Ran the Numbers)</title>
	<link>https://biggerpocketsmoney.com/podcast/can-he-retire-in-10-years-we-ran-the-numbers/</link>
	<pubDate>Fri, 03 Apr 2026 05:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">https://biggerpocketsmoney.com/podcast/can-he-retire-in-10-years-we-ran-the-numbers/</guid>
	<description><![CDATA[Is a $2M net worth enough to retire in 10 years? In this Finance Friday episode, Mindy and Scott break down a real “messy middle” case study—Karl, a high-saving household navigating early retirement planning, rising expenses, healthcare costs, and market uncertainty after doing everything right.  You’ll learn how to evaluate your FI timeline using the [&#8230;]]]></description>
	<itunes:subtitle><![CDATA[Is a $2M net worth enough to retire in 10 years? In this Finance Friday episode, Mindy and Scott break down a real “messy middle” case study—Karl, a high-saving household navigating early retirement planning, rising expenses, healthcare costs, and market]]></itunes:subtitle>
	<content:encoded><![CDATA[Is a $2M net worth enough to retire in 10 years? In this Finance Friday episode, Mindy and Scott break down a real “messy middle” case study—Karl, a high-saving household navigating early retirement planning, rising expenses, healthcare costs, and market uncertainty after doing everything right.  You’ll learn how to evaluate your FI timeline using the [&#8230;]]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/MGEEK2680409395.mp3" length="0" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[Is a $2M net worth enough to retire in 10 years? In this Finance Friday episode, Mindy and Scott break down a real “messy middle” case study—Karl, a high-saving household navigating early retirement planning, rising expenses, healthcare costs, and market uncertainty after doing everything right.  You’ll learn how to evaluate your FI timeline using the [&#8230;]]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>00:57:31</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[Is a $2M net worth enough to retire in 10 years? In this Finance Friday episode, Mindy and Scott break down a real “messy middle” case study—Karl, a high-saving household navigating early retirement planning, rising expenses, healthcare costs, and market uncertainty after doing everything right.  You’ll learn how to evaluate your FI timeline using the [&#8230;]]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>How Tiffany Aliche Went from Rock Bottom to Millionaire</title>
	<link>https://biggerpocketsmoney.com/podcast/how-tiffany-aliche-went-from-rock-bottom-to-millionaire/</link>
	<pubDate>Tue, 31 Mar 2026 09:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">https://biggerpocketsmoney.com/podcast/how-tiffany-aliche-went-from-rock-bottom-to-millionaire/</guid>
	<description><![CDATA[From $500 a month to a $10M+ net worth, Tiffany Aliche shares how she rebuilt her life after $300K in debt—and the 10 pillars of “financial wholeness” that helped her do it. This episode of the BiggerPockets Money Podcast breaks down the mindset, strategy, and systems behind lasting wealth, stability, and freedom. To go beyond [&#8230;]]]></description>
	<itunes:subtitle><![CDATA[From $500 a month to a $10M+ net worth, Tiffany Aliche shares how she rebuilt her life after $300K in debt—and the 10 pillars of “financial wholeness” that helped her do it. This episode of the BiggerPockets Money Podcast breaks down the mindset, strateg]]></itunes:subtitle>
	<content:encoded><![CDATA[From $500 a month to a $10M+ net worth, Tiffany Aliche shares how she rebuilt her life after $300K in debt—and the 10 pillars of “financial wholeness” that helped her do it. This episode of the BiggerPockets Money Podcast breaks down the mindset, strategy, and systems behind lasting wealth, stability, and freedom. To go beyond [&#8230;]]]></content:encoded>
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	<itunes:summary><![CDATA[From $500 a month to a $10M+ net worth, Tiffany Aliche shares how she rebuilt her life after $300K in debt—and the 10 pillars of “financial wholeness” that helped her do it. This episode of the BiggerPockets Money Podcast breaks down the mindset, strategy, and systems behind lasting wealth, stability, and freedom. To go beyond [&#8230;]]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>00:57:20</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[From $500 a month to a $10M+ net worth, Tiffany Aliche shares how she rebuilt her life after $300K in debt—and the 10 pillars of “financial wholeness” that helped her do it. This episode of the BiggerPockets Money Podcast breaks down the mindset, strategy, and systems behind lasting wealth, stability, and freedom. To go beyond [&#8230;]]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>The Hidden Systems Great CEOs Use Every Day</title>
	<link>https://biggerpocketsmoney.com/podcast/the-hidden-systems-great-ceos-use-every-day/</link>
	<pubDate>Fri, 27 Mar 2026 10:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">https://biggerpocketsmoney.com/podcast/the-hidden-systems-great-ceos-use-every-day/</guid>
	<description><![CDATA[What does it actually take to think like a CEO? In this episode, Scott Trench breaks down the essential “CEO toolkit”—from strategic thinking and financial fluency to culture, decision-making, and crisis management—giving you the frameworks and systems you need to lead effectively, whether you’re running a company or simply trying to make better, higher-stakes decisions [&#8230;]]]></description>
	<itunes:subtitle><![CDATA[What does it actually take to think like a CEO? In this episode, Scott Trench breaks down the essential “CEO toolkit”—from strategic thinking and financial fluency to culture, decision-making, and crisis management—giving you the frameworks and systems y]]></itunes:subtitle>
	<content:encoded><![CDATA[What does it actually take to think like a CEO? In this episode, Scott Trench breaks down the essential “CEO toolkit”—from strategic thinking and financial fluency to culture, decision-making, and crisis management—giving you the frameworks and systems you need to lead effectively, whether you’re running a company or simply trying to make better, higher-stakes decisions [&#8230;]]]></content:encoded>
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	<itunes:summary><![CDATA[What does it actually take to think like a CEO? In this episode, Scott Trench breaks down the essential “CEO toolkit”—from strategic thinking and financial fluency to culture, decision-making, and crisis management—giving you the frameworks and systems you need to lead effectively, whether you’re running a company or simply trying to make better, higher-stakes decisions [&#8230;]]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>00:55:40</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[What does it actually take to think like a CEO? In this episode, Scott Trench breaks down the essential “CEO toolkit”—from strategic thinking and financial fluency to culture, decision-making, and crisis management—giving you the frameworks and systems you need to lead effectively, whether you’re running a company or simply trying to make better, higher-stakes decisions [&#8230;]]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>How Middle-Class Families Can Retire On Time Without Burning Out</title>
	<link>https://biggerpocketsmoney.com/podcast/how-middle-class-families-can-retire-on-time-without-burning-out/</link>
	<pubDate>Tue, 24 Mar 2026 09:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">https://biggerpocketsmoney.com/podcast/how-middle-class-families-can-retire-on-time-without-burning-out/</guid>
	<description><![CDATA[Building lasting wealth doesn’t have to be complicated. In this episode of the BiggerPockets Money Podcast, hosts Mindy Jensen and Scott Trench break down the Financial Stability Framework, a practical roadmap designed to help middle-class households achieve long-term financial independence. To go beyond the podcast: Kick start your financial independence journey with our FREE financial [&#8230;]]]></description>
	<itunes:subtitle><![CDATA[Building lasting wealth doesn’t have to be complicated. In this episode of the BiggerPockets Money Podcast, hosts Mindy Jensen and Scott Trench break down the Financial Stability Framework, a practical roadmap designed to help middle-class households ach]]></itunes:subtitle>
	<content:encoded><![CDATA[Building lasting wealth doesn’t have to be complicated. In this episode of the BiggerPockets Money Podcast, hosts Mindy Jensen and Scott Trench break down the Financial Stability Framework, a practical roadmap designed to help middle-class households achieve long-term financial independence. To go beyond the podcast: Kick start your financial independence journey with our FREE financial [&#8230;]]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/MGEEK7720224786.mp3" length="0" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[Building lasting wealth doesn’t have to be complicated. In this episode of the BiggerPockets Money Podcast, hosts Mindy Jensen and Scott Trench break down the Financial Stability Framework, a practical roadmap designed to help middle-class households achieve long-term financial independence. To go beyond the podcast: Kick start your financial independence journey with our FREE financial [&#8230;]]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>00:42:32</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[Building lasting wealth doesn’t have to be complicated. In this episode of the BiggerPockets Money Podcast, hosts Mindy Jensen and Scott Trench break down the Financial Stability Framework, a practical roadmap designed to help middle-class households achieve long-term financial independence. To go beyond the podcast: Kick start your financial independence journey with our FREE financial [&#8230;]]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>Why the Last 3 Years Before Early Retirement Matter Most</title>
	<link>https://biggerpocketsmoney.com/podcast/why-the-last-3-years-before-early-retirement-matter-most/</link>
	<pubDate>Fri, 20 Mar 2026 09:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">https://biggerpocketsmoney.com/podcast/why-the-last-3-years-before-early-retirement-matter-most/</guid>
	<description><![CDATA[If you’re within three years of early retirement, your success depends on more than just your net worth. In this episode of the BiggerPockets Money Podcast, hosts Mindy Jensen and Scott Trench sit down with Fritz Gilbert to break down the most overlooked part of financial independence: the mental, emotional, and social transition into retirement. [&#8230;]]]></description>
	<itunes:subtitle><![CDATA[If you’re within three years of early retirement, your success depends on more than just your net worth. In this episode of the BiggerPockets Money Podcast, hosts Mindy Jensen and Scott Trench sit down with Fritz Gilbert to break down the most overlooked]]></itunes:subtitle>
	<content:encoded><![CDATA[If you’re within three years of early retirement, your success depends on more than just your net worth. In this episode of the BiggerPockets Money Podcast, hosts Mindy Jensen and Scott Trench sit down with Fritz Gilbert to break down the most overlooked part of financial independence: the mental, emotional, and social transition into retirement. [&#8230;]]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/MGEEK7006411835.mp3" length="0" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[If you’re within three years of early retirement, your success depends on more than just your net worth. In this episode of the BiggerPockets Money Podcast, hosts Mindy Jensen and Scott Trench sit down with Fritz Gilbert to break down the most overlooked part of financial independence: the mental, emotional, and social transition into retirement. [&#8230;]]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>01:01:56</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[If you’re within three years of early retirement, your success depends on more than just your net worth. In this episode of the BiggerPockets Money Podcast, hosts Mindy Jensen and Scott Trench sit down with Fritz Gilbert to break down the most overlooked part of financial independence: the mental, emotional, and social transition into retirement. [&#8230;]]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>The 13 Biggest Financial Independence Mistakes (That Delay FIRE by Years)</title>
	<link>https://biggerpocketsmoney.com/podcast/the-13-biggest-financial-independence-mistakes-that-delay-fire-by-years/</link>
	<pubDate>Tue, 17 Mar 2026 09:45:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">https://biggerpocketsmoney.com/podcast/the-13-biggest-financial-independence-mistakes-that-delay-fire-by-years/</guid>
	<description><![CDATA[What are the biggest mistakes people make on the road to financial independence? In this episode of the BiggerPockets Money Podcast, hosts Mindy Jensen and Scott Trench break down the 13 biggest FIRE mistakes that quietly delay or derail your progress toward early retirement. From starting too late and ignoring spending habits to misunderstanding the [&#8230;]]]></description>
	<itunes:subtitle><![CDATA[What are the biggest mistakes people make on the road to financial independence? In this episode of the BiggerPockets Money Podcast, hosts Mindy Jensen and Scott Trench break down the 13 biggest FIRE mistakes that quietly delay or derail your progress to]]></itunes:subtitle>
	<content:encoded><![CDATA[What are the biggest mistakes people make on the road to financial independence? In this episode of the BiggerPockets Money Podcast, hosts Mindy Jensen and Scott Trench break down the 13 biggest FIRE mistakes that quietly delay or derail your progress toward early retirement. From starting too late and ignoring spending habits to misunderstanding the [&#8230;]]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/MGEEK5293892389.mp3" length="0" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[What are the biggest mistakes people make on the road to financial independence? In this episode of the BiggerPockets Money Podcast, hosts Mindy Jensen and Scott Trench break down the 13 biggest FIRE mistakes that quietly delay or derail your progress toward early retirement. From starting too late and ignoring spending habits to misunderstanding the [&#8230;]]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>00:37:40</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[What are the biggest mistakes people make on the road to financial independence? In this episode of the BiggerPockets Money Podcast, hosts Mindy Jensen and Scott Trench break down the 13 biggest FIRE mistakes that quietly delay or derail your progress toward early retirement. From starting too late and ignoring spending habits to misunderstanding the [&#8230;]]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>How He’ll Hit $500K by 30 (Coast FI Plan)</title>
	<link>https://biggerpocketsmoney.com/podcast/how-hell-hit-500k-by-30-coast-fi-plan/</link>
	<pubDate>Fri, 13 Mar 2026 10:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">https://biggerpocketsmoney.com/podcast/how-hell-hit-500k-by-30-coast-fi-plan/</guid>
	<description><![CDATA[In this episode of the BiggerPockets Money Podcast, hosts Mindy Jensen and Scott Trench sit down with Evan Lawler, a full-time engineer and content creator, to break down his plan to reach Coast FIRE with $500,000 invested by age 30. Instead of pursuing traditional early retirement, Evan is building a disciplined, automated investment strategy that [&#8230;]]]></description>
	<itunes:subtitle><![CDATA[In this episode of the BiggerPockets Money Podcast, hosts Mindy Jensen and Scott Trench sit down with Evan Lawler, a full-time engineer and content creator, to break down his plan to reach Coast FIRE with $500,000 invested by age 30. Instead of pursuing ]]></itunes:subtitle>
	<content:encoded><![CDATA[In this episode of the BiggerPockets Money Podcast, hosts Mindy Jensen and Scott Trench sit down with Evan Lawler, a full-time engineer and content creator, to break down his plan to reach Coast FIRE with $500,000 invested by age 30. Instead of pursuing traditional early retirement, Evan is building a disciplined, automated investment strategy that [&#8230;]]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/MGEEK7214011610.mp3" length="0" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[In this episode of the BiggerPockets Money Podcast, hosts Mindy Jensen and Scott Trench sit down with Evan Lawler, a full-time engineer and content creator, to break down his plan to reach Coast FIRE with $500,000 invested by age 30. Instead of pursuing traditional early retirement, Evan is building a disciplined, automated investment strategy that [&#8230;]]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>00:42:08</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[In this episode of the BiggerPockets Money Podcast, hosts Mindy Jensen and Scott Trench sit down with Evan Lawler, a full-time engineer and content creator, to break down his plan to reach Coast FIRE with $500,000 invested by age 30. Instead of pursuing traditional early retirement, Evan is building a disciplined, automated investment strategy that [&#8230;]]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>The Middle Class Trap: Why $750,000 Doesn&#8217;t Feel Like Enough (Financial Plan)</title>
	<link>https://biggerpocketsmoney.com/podcast/the-middle-class-trap-why-750000-doesnt-feel-like-enough-financial-plan/</link>
	<pubDate>Tue, 10 Mar 2026 09:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">https://biggerpocketsmoney.com/podcast/the-middle-class-trap-why-750000-doesnt-feel-like-enough-financial-plan/</guid>
	<description><![CDATA[Are you a high earner in your 30s or 40s with a growing net worth — but somehow still feel financially stuck? You might be caught in the &#8220;boring middle&#8221; — a phase where your wealth is locked in home equity and retirement accounts, leaving you cash-poor, inflexible, and far from the financial freedom you&#8217;ve [&#8230;]]]></description>
	<itunes:subtitle><![CDATA[Are you a high earner in your 30s or 40s with a growing net worth — but somehow still feel financially stuck? You might be caught in the &#8220;boring middle&#8221; — a phase where your wealth is locked in home equity and retirement accounts, leaving you]]></itunes:subtitle>
	<content:encoded><![CDATA[Are you a high earner in your 30s or 40s with a growing net worth — but somehow still feel financially stuck? You might be caught in the &#8220;boring middle&#8221; — a phase where your wealth is locked in home equity and retirement accounts, leaving you cash-poor, inflexible, and far from the financial freedom you&#8217;ve [&#8230;]]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/MGEEK4124746249.mp3" length="0" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[Are you a high earner in your 30s or 40s with a growing net worth — but somehow still feel financially stuck? You might be caught in the &#8220;boring middle&#8221; — a phase where your wealth is locked in home equity and retirement accounts, leaving you cash-poor, inflexible, and far from the financial freedom you&#8217;ve [&#8230;]]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>01:00:06</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[Are you a high earner in your 30s or 40s with a growing net worth — but somehow still feel financially stuck? You might be caught in the &#8220;boring middle&#8221; — a phase where your wealth is locked in home equity and retirement accounts, leaving you cash-poor, inflexible, and far from the financial freedom you&#8217;ve [&#8230;]]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>Does More Money REALLY Buy Happiness? &#124; Matt Killingsworth</title>
	<link>https://biggerpocketsmoney.com/podcast/does-more-money-really-buy-happiness-matt-killingsworth/</link>
	<pubDate>Fri, 06 Mar 2026 10:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">https://biggerpocketsmoney.com/podcast/does-more-money-really-buy-happiness-matt-killingsworth/</guid>
	<description><![CDATA[What’s the real relationship between money and happiness? In this episode of the BiggerPockets Money Podcast, hosts Mindy Jensen and Scott Trench sit down with leading happiness researcher Matt Killingsworth to unpack what the science actually says about income and happiness. Drawing from real-time data collected through Track Your Happiness, Matt explains why happiness does [&#8230;]]]></description>
	<itunes:subtitle><![CDATA[What’s the real relationship between money and happiness? In this episode of the BiggerPockets Money Podcast, hosts Mindy Jensen and Scott Trench sit down with leading happiness researcher Matt Killingsworth to unpack what the science actually says about]]></itunes:subtitle>
	<content:encoded><![CDATA[What’s the real relationship between money and happiness? In this episode of the BiggerPockets Money Podcast, hosts Mindy Jensen and Scott Trench sit down with leading happiness researcher Matt Killingsworth to unpack what the science actually says about income and happiness. Drawing from real-time data collected through Track Your Happiness, Matt explains why happiness does [&#8230;]]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/MGEEK5727659026.mp3" length="0" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[What’s the real relationship between money and happiness? In this episode of the BiggerPockets Money Podcast, hosts Mindy Jensen and Scott Trench sit down with leading happiness researcher Matt Killingsworth to unpack what the science actually says about income and happiness. Drawing from real-time data collected through Track Your Happiness, Matt explains why happiness does [&#8230;]]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>00:45:15</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[What’s the real relationship between money and happiness? In this episode of the BiggerPockets Money Podcast, hosts Mindy Jensen and Scott Trench sit down with leading happiness researcher Matt Killingsworth to unpack what the science actually says about income and happiness. Drawing from real-time data collected through Track Your Happiness, Matt explains why happiness does [&#8230;]]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>From $15,000 to Financial Independence Through Real Estate</title>
	<link>https://biggerpocketsmoney.com/podcast/from-15000-to-financial-independence-through-real-estate/</link>
	<pubDate>Tue, 03 Mar 2026 10:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">https://biggerpocketsmoney.com/podcast/from-15000-to-financial-independence-through-real-estate/</guid>
	<description><![CDATA[In this episode of the BiggerPockets Money Podcast, hosts Mindy Jensen and Scott Trench sit down with Grace Gudenkauf, a real estate investor who began her journey at just 23 years old with $15,000 in savings during COVID. Grace shares how she built a thriving rental portfolio in Iowa by leveraging local market knowledge, living [&#8230;]]]></description>
	<itunes:subtitle><![CDATA[In this episode of the BiggerPockets Money Podcast, hosts Mindy Jensen and Scott Trench sit down with Grace Gudenkauf, a real estate investor who began her journey at just 23 years old with $15,000 in savings during COVID. Grace shares how she built a th]]></itunes:subtitle>
	<content:encoded><![CDATA[In this episode of the BiggerPockets Money Podcast, hosts Mindy Jensen and Scott Trench sit down with Grace Gudenkauf, a real estate investor who began her journey at just 23 years old with $15,000 in savings during COVID. Grace shares how she built a thriving rental portfolio in Iowa by leveraging local market knowledge, living [&#8230;]]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/MGEEK8321760957.mp3" length="0" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[In this episode of the BiggerPockets Money Podcast, hosts Mindy Jensen and Scott Trench sit down with Grace Gudenkauf, a real estate investor who began her journey at just 23 years old with $15,000 in savings during COVID. Grace shares how she built a thriving rental portfolio in Iowa by leveraging local market knowledge, living [&#8230;]]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>00:43:51</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[In this episode of the BiggerPockets Money Podcast, hosts Mindy Jensen and Scott Trench sit down with Grace Gudenkauf, a real estate investor who began her journey at just 23 years old with $15,000 in savings during COVID. Grace shares how she built a thriving rental portfolio in Iowa by leveraging local market knowledge, living [&#8230;]]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>Can You Reach Financial Independence on a Median Income?</title>
	<link>https://biggerpocketsmoney.com/podcast/can-you-reach-financial-independence-on-a-median-income/</link>
	<pubDate>Fri, 27 Feb 2026 11:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">https://biggerpocketsmoney.com/podcast/can-you-reach-financial-independence-on-a-median-income/</guid>
	<description><![CDATA[Can you reach financial independence earning a median or below-median income? In this episode of the BiggerPockets Money Podcast, hosts Mindy Jensen and Scott Trench break down why making less money can actually be a powerful advantage on the path to wealth. Instead of chasing a higher salary, they explore how lower fixed expenses, smarter [&#8230;]]]></description>
	<itunes:subtitle><![CDATA[Can you reach financial independence earning a median or below-median income? In this episode of the BiggerPockets Money Podcast, hosts Mindy Jensen and Scott Trench break down why making less money can actually be a powerful advantage on the path to wea]]></itunes:subtitle>
	<content:encoded><![CDATA[Can you reach financial independence earning a median or below-median income? In this episode of the BiggerPockets Money Podcast, hosts Mindy Jensen and Scott Trench break down why making less money can actually be a powerful advantage on the path to wealth. Instead of chasing a higher salary, they explore how lower fixed expenses, smarter [&#8230;]]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/MGEEK9525481348.mp3" length="0" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[Can you reach financial independence earning a median or below-median income? In this episode of the BiggerPockets Money Podcast, hosts Mindy Jensen and Scott Trench break down why making less money can actually be a powerful advantage on the path to wealth. Instead of chasing a higher salary, they explore how lower fixed expenses, smarter [&#8230;]]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>00:28:53</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[Can you reach financial independence earning a median or below-median income? In this episode of the BiggerPockets Money Podcast, hosts Mindy Jensen and Scott Trench break down why making less money can actually be a powerful advantage on the path to wealth. Instead of chasing a higher salary, they explore how lower fixed expenses, smarter [&#8230;]]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>Cruising to FIRE in Her 40s (After Living Pay Check to Pay Check!)</title>
	<link>https://biggerpocketsmoney.com/podcast/cruising-to-fire-in-her-40s-after-living-pay-check-to-pay-check/</link>
	<pubDate>Tue, 24 Feb 2026 11:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">https://biggerpocketsmoney.com/podcast/cruising-to-fire-in-her-40s-after-living-pay-check-to-pay-check/</guid>
	<description><![CDATA[On this episode of the BiggerPockets Money Podcast, Mindy Jensen and Scott Trench are joined by Emily Egashira to hear about her financial journey. Emily’s journey to financial independence proves that your starting point doesn’t determine your financial future. Growing up in poverty with a scarcity mindset, she transformed her life and is set to [&#8230;]]]></description>
	<itunes:subtitle><![CDATA[On this episode of the BiggerPockets Money Podcast, Mindy Jensen and Scott Trench are joined by Emily Egashira to hear about her financial journey. Emily’s journey to financial independence proves that your starting point doesn’t determine your financial]]></itunes:subtitle>
	<content:encoded><![CDATA[On this episode of the BiggerPockets Money Podcast, Mindy Jensen and Scott Trench are joined by Emily Egashira to hear about her financial journey. Emily’s journey to financial independence proves that your starting point doesn’t determine your financial future. Growing up in poverty with a scarcity mindset, she transformed her life and is set to [&#8230;]]]></content:encoded>
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	<itunes:summary><![CDATA[On this episode of the BiggerPockets Money Podcast, Mindy Jensen and Scott Trench are joined by Emily Egashira to hear about her financial journey. Emily’s journey to financial independence proves that your starting point doesn’t determine your financial future. Growing up in poverty with a scarcity mindset, she transformed her life and is set to [&#8230;]]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>00:56:01</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[On this episode of the BiggerPockets Money Podcast, Mindy Jensen and Scott Trench are joined by Emily Egashira to hear about her financial journey. Emily’s journey to financial independence proves that your starting point doesn’t determine your financial future. Growing up in poverty with a scarcity mindset, she transformed her life and is set to [&#8230;]]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>AVUV vs VTSAX: Why Small Cap Value Could Outperform</title>
	<link>https://biggerpocketsmoney.com/podcast/avuv-vs-vtsax-why-small-cap-value-could-outperform/</link>
	<pubDate>Fri, 20 Feb 2026 11:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">https://biggerpocketsmoney.com/podcast/avuv-vs-vtsax-why-small-cap-value-could-outperform/</guid>
	<description><![CDATA[On this episode of the BiggerPockets Money Podcast, Mindy Jensen and Scott Trench are joined by Frank Vasquez to explore small cap value investing, factor research from Eugene Fama and Kenneth French, and how funds like AVUV compare to total market index funds like VTSAX. They discuss historical outperformance, diversification benefits, expense ratios, index construction [&#8230;]]]></description>
	<itunes:subtitle><![CDATA[On this episode of the BiggerPockets Money Podcast, Mindy Jensen and Scott Trench are joined by Frank Vasquez to explore small cap value investing, factor research from Eugene Fama and Kenneth French, and how funds like AVUV compare to total market index]]></itunes:subtitle>
	<content:encoded><![CDATA[On this episode of the BiggerPockets Money Podcast, Mindy Jensen and Scott Trench are joined by Frank Vasquez to explore small cap value investing, factor research from Eugene Fama and Kenneth French, and how funds like AVUV compare to total market index funds like VTSAX. They discuss historical outperformance, diversification benefits, expense ratios, index construction [&#8230;]]]></content:encoded>
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	<itunes:summary><![CDATA[On this episode of the BiggerPockets Money Podcast, Mindy Jensen and Scott Trench are joined by Frank Vasquez to explore small cap value investing, factor research from Eugene Fama and Kenneth French, and how funds like AVUV compare to total market index funds like VTSAX. They discuss historical outperformance, diversification benefits, expense ratios, index construction [&#8230;]]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>00:48:06</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[On this episode of the BiggerPockets Money Podcast, Mindy Jensen and Scott Trench are joined by Frank Vasquez to explore small cap value investing, factor research from Eugene Fama and Kenneth French, and how funds like AVUV compare to total market index funds like VTSAX. They discuss historical outperformance, diversification benefits, expense ratios, index construction [&#8230;]]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>Paul Merriman’s 4-Step Portfolio Strategy for Long-Term Wealth</title>
	<link>https://biggerpocketsmoney.com/podcast/paul-merrimans-4-step-portfolio-strategy-for-long-term-wealth/</link>
	<pubDate>Tue, 17 Feb 2026 11:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">https://biggerpocketsmoney.com/podcast/paul-merrimans-4-step-portfolio-strategy-for-long-term-wealth/</guid>
	<description><![CDATA[In this episode of the BiggerPockets Money podcast, hosts Mindy Jensen and Scott Trench are joined by Paul Merriman. Paul shares decades of investing wisdom and explains why simple index investing often outperforms complex strategies. We explore the power of diversification beyond the S&#038;P 500, the importance of bonds in a portfolio, and how glide [&#8230;]]]></description>
	<itunes:subtitle><![CDATA[In this episode of the BiggerPockets Money podcast, hosts Mindy Jensen and Scott Trench are joined by Paul Merriman. Paul shares decades of investing wisdom and explains why simple index investing often outperforms complex strategies. We explore the powe]]></itunes:subtitle>
	<content:encoded><![CDATA[In this episode of the BiggerPockets Money podcast, hosts Mindy Jensen and Scott Trench are joined by Paul Merriman. Paul shares decades of investing wisdom and explains why simple index investing often outperforms complex strategies. We explore the power of diversification beyond the S&#038;P 500, the importance of bonds in a portfolio, and how glide [&#8230;]]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/MGEEK4971538769.mp3" length="0" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[In this episode of the BiggerPockets Money podcast, hosts Mindy Jensen and Scott Trench are joined by Paul Merriman. Paul shares decades of investing wisdom and explains why simple index investing often outperforms complex strategies. We explore the power of diversification beyond the S&#038;P 500, the importance of bonds in a portfolio, and how glide [&#8230;]]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>01:22:57</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[In this episode of the BiggerPockets Money podcast, hosts Mindy Jensen and Scott Trench are joined by Paul Merriman. Paul shares decades of investing wisdom and explains why simple index investing often outperforms complex strategies. We explore the power of diversification beyond the S&#038;P 500, the importance of bonds in a portfolio, and how glide [&#8230;]]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>The New FIRE? Why Time Freedom Beats Early Retirement</title>
	<link>https://biggerpocketsmoney.com/podcast/the-new-fire-why-time-freedom-beats-early-retirement/</link>
	<pubDate>Fri, 13 Feb 2026 11:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">https://biggerpocketsmoney.com/podcast/the-new-fire-why-time-freedom-beats-early-retirement/</guid>
	<description><![CDATA[What if financial independence isn’t about retiring early — but about controlling your time right now? In this episode of the BiggerPockets Money Podcast, hosts Mindy Jensen and Scott Trench sit down with Brian Herriot — millionaire in his 40s, now managing a $3 million portfolio, and author of Time Freedom — to talk about [&#8230;]]]></description>
	<itunes:subtitle><![CDATA[What if financial independence isn’t about retiring early — but about controlling your time right now? In this episode of the BiggerPockets Money Podcast, hosts Mindy Jensen and Scott Trench sit down with Brian Herriot — millionaire in his 40s, now manag]]></itunes:subtitle>
	<content:encoded><![CDATA[What if financial independence isn’t about retiring early — but about controlling your time right now? In this episode of the BiggerPockets Money Podcast, hosts Mindy Jensen and Scott Trench sit down with Brian Herriot — millionaire in his 40s, now managing a $3 million portfolio, and author of Time Freedom — to talk about [&#8230;]]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/MGEEK4098165646.mp3" length="0" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[What if financial independence isn’t about retiring early — but about controlling your time right now? In this episode of the BiggerPockets Money Podcast, hosts Mindy Jensen and Scott Trench sit down with Brian Herriot — millionaire in his 40s, now managing a $3 million portfolio, and author of Time Freedom — to talk about [&#8230;]]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>00:57:45</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[What if financial independence isn’t about retiring early — but about controlling your time right now? In this episode of the BiggerPockets Money Podcast, hosts Mindy Jensen and Scott Trench sit down with Brian Herriot — millionaire in his 40s, now managing a $3 million portfolio, and author of Time Freedom — to talk about [&#8230;]]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>The Ultimate Guide to Finding Your Ideal Side Hustle</title>
	<link>https://biggerpocketsmoney.com/podcast/the-ultimate-guide-to-finding-your-ideal-side-hustle/</link>
	<pubDate>Tue, 10 Feb 2026 11:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">https://biggerpocketsmoney.com/podcast/the-ultimate-guide-to-finding-your-ideal-side-hustle/</guid>
	<description><![CDATA[How do you choose a side hustle that actually makes money instead of wasting your time? In this episode of the BiggerPockets Money Podcast Nick Loper from Side Hustle Nation breaks down exactly how to find the right opportunity by aligning your skills and interests with real market demand. Whether you&#8217;re looking for low-skill options [&#8230;]]]></description>
	<itunes:subtitle><![CDATA[How do you choose a side hustle that actually makes money instead of wasting your time? In this episode of the BiggerPockets Money Podcast Nick Loper from Side Hustle Nation breaks down exactly how to find the right opportunity by aligning your skills an]]></itunes:subtitle>
	<content:encoded><![CDATA[How do you choose a side hustle that actually makes money instead of wasting your time? In this episode of the BiggerPockets Money Podcast Nick Loper from Side Hustle Nation breaks down exactly how to find the right opportunity by aligning your skills and interests with real market demand. Whether you&#8217;re looking for low-skill options [&#8230;]]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/MGEEK6088885038.mp3" length="0" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[How do you choose a side hustle that actually makes money instead of wasting your time? In this episode of the BiggerPockets Money Podcast Nick Loper from Side Hustle Nation breaks down exactly how to find the right opportunity by aligning your skills and interests with real market demand. Whether you&#8217;re looking for low-skill options [&#8230;]]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>00:58:01</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[How do you choose a side hustle that actually makes money instead of wasting your time? In this episode of the BiggerPockets Money Podcast Nick Loper from Side Hustle Nation breaks down exactly how to find the right opportunity by aligning your skills and interests with real market demand. Whether you&#8217;re looking for low-skill options [&#8230;]]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>Debate: AUM vs Flat Fee Which is Better?</title>
	<link>https://biggerpocketsmoney.com/podcast/debate-aum-vs-flat-fee-which-is-better/</link>
	<pubDate>Fri, 06 Feb 2026 18:57:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">https://biggerpocketsmoney.com/podcast/debate-aum-vs-flat-fee-which-is-better/</guid>
	<description><![CDATA[In this episode of the BiggerPocketsMoney podcast, Mindy Jensen and Scott Trench host Ryan Sterling, CEO of NerdWallet Wealth Partners, to discuss the nuances of different financial advisor compensation structures. Whether you&#8217;re planning your financial future or evaluating advisors, understanding these models can help you make informed decisions that align with your goals. This Episode [&#8230;]]]></description>
	<itunes:subtitle><![CDATA[In this episode of the BiggerPocketsMoney podcast, Mindy Jensen and Scott Trench host Ryan Sterling, CEO of NerdWallet Wealth Partners, to discuss the nuances of different financial advisor compensation structures. Whether you&#8217;re planning your fina]]></itunes:subtitle>
	<content:encoded><![CDATA[In this episode of the BiggerPocketsMoney podcast, Mindy Jensen and Scott Trench host Ryan Sterling, CEO of NerdWallet Wealth Partners, to discuss the nuances of different financial advisor compensation structures. Whether you&#8217;re planning your financial future or evaluating advisors, understanding these models can help you make informed decisions that align with your goals. This Episode [&#8230;]]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/MGEEK1803340479.mp3" length="0" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[In this episode of the BiggerPocketsMoney podcast, Mindy Jensen and Scott Trench host Ryan Sterling, CEO of NerdWallet Wealth Partners, to discuss the nuances of different financial advisor compensation structures. Whether you&#8217;re planning your financial future or evaluating advisors, understanding these models can help you make informed decisions that align with your goals. This Episode [&#8230;]]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>01:07:13</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[In this episode of the BiggerPocketsMoney podcast, Mindy Jensen and Scott Trench host Ryan Sterling, CEO of NerdWallet Wealth Partners, to discuss the nuances of different financial advisor compensation structures. Whether you&#8217;re planning your financial future or evaluating advisors, understanding these models can help you make informed decisions that align with your goals. This Episode [&#8230;]]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>How We Built a $1M Net Worth by 32 (Step-by-Step Breakdown)</title>
	<link>https://biggerpocketsmoney.com/podcast/how-we-built-a-1m-net-worth-by-32-step-by-step-breakdown/</link>
	<pubDate>Tue, 03 Feb 2026 04:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">https://biggerpocketsmoney.com/podcast/how-we-built-a-1m-net-worth-by-32-step-by-step-breakdown/</guid>
	<description><![CDATA[Trevor and his wife reached a $1 million net worth by age 32 and are on track to achieve financial independence well before 40. In this episode of the BiggerPockets Money Podcast, hosts Mindy Jensen and Scott Trench chat with Trevor about his unconventional journey involving strategic career moves, real estate investments, and leveraging corporate [&#8230;]]]></description>
	<itunes:subtitle><![CDATA[Trevor and his wife reached a $1 million net worth by age 32 and are on track to achieve financial independence well before 40. In this episode of the BiggerPockets Money Podcast, hosts Mindy Jensen and Scott Trench chat with Trevor about his unconventio]]></itunes:subtitle>
	<content:encoded><![CDATA[Trevor and his wife reached a $1 million net worth by age 32 and are on track to achieve financial independence well before 40. In this episode of the BiggerPockets Money Podcast, hosts Mindy Jensen and Scott Trench chat with Trevor about his unconventional journey involving strategic career moves, real estate investments, and leveraging corporate [&#8230;]]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/MGEEK8340508198.mp3" length="0" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[Trevor and his wife reached a $1 million net worth by age 32 and are on track to achieve financial independence well before 40. In this episode of the BiggerPockets Money Podcast, hosts Mindy Jensen and Scott Trench chat with Trevor about his unconventional journey involving strategic career moves, real estate investments, and leveraging corporate [&#8230;]]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>00:55:09</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[Trevor and his wife reached a $1 million net worth by age 32 and are on track to achieve financial independence well before 40. In this episode of the BiggerPockets Money Podcast, hosts Mindy Jensen and Scott Trench chat with Trevor about his unconventional journey involving strategic career moves, real estate investments, and leveraging corporate [&#8230;]]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>The 4% Rule Was Never Designed for FIRE’s Healthcare Reality</title>
	<link>https://biggerpocketsmoney.com/podcast/the-4-rule-was-never-designed-for-fires-healthcare-reality/</link>
	<pubDate>Fri, 30 Jan 2026 12:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">44ef0ff2-f7df-11f0-9fea-5373bac5be4b</guid>
	<description><![CDATA[The 4% rule has a major flaw: it doesn&#8217;t account for healthcare costs. If you&#8217;re planning to retire early, health insurance premiums will rise sharply as you age—from your 30s through your 60s before Medicare kicks in at 65. This isn&#8217;t speculation; it&#8217;s how the U.S. healthcare system works under the ACA. On this episode [&#8230;]]]></description>
	<itunes:subtitle><![CDATA[The 4% rule has a major flaw: it doesn&#8217;t account for healthcare costs. If you&#8217;re planning to retire early, health insurance premiums will rise sharply as you age—from your 30s through your 60s before Medicare kicks in at 65. This isn&#8217;t ]]></itunes:subtitle>
	<content:encoded><![CDATA[The 4% rule has a major flaw: it doesn&#8217;t account for healthcare costs. If you&#8217;re planning to retire early, health insurance premiums will rise sharply as you age—from your 30s through your 60s before Medicare kicks in at 65. This isn&#8217;t speculation; it&#8217;s how the U.S. healthcare system works under the ACA. On this episode [&#8230;]]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/MGEEK4298467152.mp3" length="88768518" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[The 4% rule has a major flaw: it doesn&#8217;t account for healthcare costs. If you&#8217;re planning to retire early, health insurance premiums will rise sharply as you age—from your 30s through your 60s before Medicare kicks in at 65. This isn&#8217;t speculation; it&#8217;s how the U.S. healthcare system works under the ACA. On this episode [&#8230;]]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[The 4% rule has a major flaw: it doesn&#8217;t account for healthcare costs. If you&#8217;re planning to retire early, health insurance premiums will rise sharply as you age—from your 30s through your 60s before Medicare kicks in at 65. This isn&#8217;t speculation; it&#8217;s how the U.S. healthcare system works under the ACA. On this episode [&#8230;]]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>The Major MONEY Milestones To Hit By EVERY Decade!</title>
	<link>https://biggerpocketsmoney.com/podcast/the-major-money-milestones-to-hit-by-every-decade/</link>
	<pubDate>Tue, 27 Jan 2026 11:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">3e83d2f6-f7df-11f0-86b5-efc9d30b5d99</guid>
	<description><![CDATA[Are you on track to achieve financial independence? In this episode of the BiggerPockets Money podcast, Mindy Jensen and Scott Trench outline the essential financial milestones for your 20s, 30s, 40s, and 50s. Learn the net worth benchmarks and financial habits that will set you up for a successful journey to financial freedom in EVERY [&#8230;]]]></description>
	<itunes:subtitle><![CDATA[Are you on track to achieve financial independence? In this episode of the BiggerPockets Money podcast, Mindy Jensen and Scott Trench outline the essential financial milestones for your 20s, 30s, 40s, and 50s. Learn the net worth benchmarks and financial]]></itunes:subtitle>
	<content:encoded><![CDATA[Are you on track to achieve financial independence? In this episode of the BiggerPockets Money podcast, Mindy Jensen and Scott Trench outline the essential financial milestones for your 20s, 30s, 40s, and 50s. Learn the net worth benchmarks and financial habits that will set you up for a successful journey to financial freedom in EVERY [&#8230;]]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/MGEEK4717419141.mp3" length="73526118" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[Are you on track to achieve financial independence? In this episode of the BiggerPockets Money podcast, Mindy Jensen and Scott Trench outline the essential financial milestones for your 20s, 30s, 40s, and 50s. Learn the net worth benchmarks and financial habits that will set you up for a successful journey to financial freedom in EVERY [&#8230;]]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[Are you on track to achieve financial independence? In this episode of the BiggerPockets Money podcast, Mindy Jensen and Scott Trench outline the essential financial milestones for your 20s, 30s, 40s, and 50s. Learn the net worth benchmarks and financial habits that will set you up for a successful journey to financial freedom in EVERY [&#8230;]]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>The Proven Path to Financial Independence by 44</title>
	<link>https://biggerpocketsmoney.com/podcast/the-proven-path-to-financial-independence-by-44/</link>
	<pubDate>Fri, 23 Jan 2026 10:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">36bcbc40-f7df-11f0-8d57-871c72a9866d</guid>
	<description><![CDATA[Should you retire the second you hit financial independence, or is there value in working just a little longer? Steven faced this exact decision at 40 and chose to work four more years. The result? He added $1 million to his net worth and entered retirement at 44 with $3.5 million and a bulletproof plan. [&#8230;]]]></description>
	<itunes:subtitle><![CDATA[Should you retire the second you hit financial independence, or is there value in working just a little longer? Steven faced this exact decision at 40 and chose to work four more years. The result? He added $1 million to his net worth and entered retirem]]></itunes:subtitle>
	<content:encoded><![CDATA[Should you retire the second you hit financial independence, or is there value in working just a little longer? Steven faced this exact decision at 40 and chose to work four more years. The result? He added $1 million to his net worth and entered retirement at 44 with $3.5 million and a bulletproof plan. [&#8230;]]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/MGEEK1175777948.mp3" length="76844224" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[Should you retire the second you hit financial independence, or is there value in working just a little longer? Steven faced this exact decision at 40 and chose to work four more years. The result? He added $1 million to his net worth and entered retirement at 44 with $3.5 million and a bulletproof plan. [&#8230;]]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[Should you retire the second you hit financial independence, or is there value in working just a little longer? Steven faced this exact decision at 40 and chose to work four more years. The result? He added $1 million to his net worth and entered retirement at 44 with $3.5 million and a bulletproof plan. [&#8230;]]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>How to Negotiate Your Salary and Reach Financial Independence Faster &#124; Paula Pant</title>
	<link>https://biggerpocketsmoney.com/podcast/how-to-negotiate-your-salary-and-reach-financial-independence-faster-paula-pant/</link>
	<pubDate>Tue, 20 Jan 2026 10:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
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	<description><![CDATA[Want to reach financial independence faster? The quickest path isn&#8217;t extreme frugality—it&#8217;s earning more. And that starts with salary negotiation. Paula Pant from the Afford Anything podcast joins Mindy Jensen and Scott Trench to break down exactly how to negotiate your salary, whether you&#8217;re asking for a raise, negotiating a job offer, or realizing you&#8217;re [&#8230;]]]></description>
	<itunes:subtitle><![CDATA[Want to reach financial independence faster? The quickest path isn&#8217;t extreme frugality—it&#8217;s earning more. And that starts with salary negotiation. Paula Pant from the Afford Anything podcast joins Mindy Jensen and Scott Trench to break down e]]></itunes:subtitle>
	<content:encoded><![CDATA[Want to reach financial independence faster? The quickest path isn&#8217;t extreme frugality—it&#8217;s earning more. And that starts with salary negotiation. Paula Pant from the Afford Anything podcast joins Mindy Jensen and Scott Trench to break down exactly how to negotiate your salary, whether you&#8217;re asking for a raise, negotiating a job offer, or realizing you&#8217;re [&#8230;]]]></content:encoded>
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	<itunes:summary><![CDATA[Want to reach financial independence faster? The quickest path isn&#8217;t extreme frugality—it&#8217;s earning more. And that starts with salary negotiation. Paula Pant from the Afford Anything podcast joins Mindy Jensen and Scott Trench to break down exactly how to negotiate your salary, whether you&#8217;re asking for a raise, negotiating a job offer, or realizing you&#8217;re [&#8230;]]]></itunes:summary>
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	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>Reached FI at 60: How to Switch from Accumulation to Drawdown with Bill Yount</title>
	<link>https://biggerpocketsmoney.com/podcast/reached-fi-at-60-how-to-switch-from-accumulation-to-drawdown-with-bill-yount/</link>
	<pubDate>Fri, 16 Jan 2026 10:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
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	<description><![CDATA[You&#8217;ve hit financial independence—now what? How do you actually start spending the money you&#8217;ve spent years accumulating? Bill Yount reached FI at 60 after a 10-year journey, and he&#8217;s figured out the answer. Bill shares his complete decumulation strategy—the detailed plan he built with a flat-fee financial advisor to transition from wealth building to wealth [&#8230;]]]></description>
	<itunes:subtitle><![CDATA[You&#8217;ve hit financial independence—now what? How do you actually start spending the money you&#8217;ve spent years accumulating? Bill Yount reached FI at 60 after a 10-year journey, and he&#8217;s figured out the answer. Bill shares his complete dec]]></itunes:subtitle>
	<content:encoded><![CDATA[You&#8217;ve hit financial independence—now what? How do you actually start spending the money you&#8217;ve spent years accumulating? Bill Yount reached FI at 60 after a 10-year journey, and he&#8217;s figured out the answer. Bill shares his complete decumulation strategy—the detailed plan he built with a flat-fee financial advisor to transition from wealth building to wealth [&#8230;]]]></content:encoded>
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	<itunes:summary><![CDATA[You&#8217;ve hit financial independence—now what? How do you actually start spending the money you&#8217;ve spent years accumulating? Bill Yount reached FI at 60 after a 10-year journey, and he&#8217;s figured out the answer. Bill shares his complete decumulation strategy—the detailed plan he built with a flat-fee financial advisor to transition from wealth building to wealth [&#8230;]]]></itunes:summary>
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	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>Broke and in Debt at 50? How to Still Retire On-Time (Step-by-Step Plan)</title>
	<link>https://biggerpocketsmoney.com/podcast/broke-and-in-debt-at-50-how-to-still-retire-on-time-step-by-step-plan/</link>
	<pubDate>Tue, 13 Jan 2026 11:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
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	<description><![CDATA[You&#8217;re in your 50s, $50,000 in debt, and retirement at 65 feels impossible. We made this episode for you. Today, Mindy and Scott spell out the exact step-by-step plan to go from $50K in debt to a million-dollar retirement—even if you&#8217;re starting over in your fifties. Meet Nancy: a recently divorced stay-at-home mom reentering the [&#8230;]]]></description>
	<itunes:subtitle><![CDATA[You&#8217;re in your 50s, $50,000 in debt, and retirement at 65 feels impossible. We made this episode for you. Today, Mindy and Scott spell out the exact step-by-step plan to go from $50K in debt to a million-dollar retirement—even if you&#8217;re start]]></itunes:subtitle>
	<content:encoded><![CDATA[You&#8217;re in your 50s, $50,000 in debt, and retirement at 65 feels impossible. We made this episode for you. Today, Mindy and Scott spell out the exact step-by-step plan to go from $50K in debt to a million-dollar retirement—even if you&#8217;re starting over in your fifties. Meet Nancy: a recently divorced stay-at-home mom reentering the [&#8230;]]]></content:encoded>
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	<itunes:summary><![CDATA[You&#8217;re in your 50s, $50,000 in debt, and retirement at 65 feels impossible. We made this episode for you. Today, Mindy and Scott spell out the exact step-by-step plan to go from $50K in debt to a million-dollar retirement—even if you&#8217;re starting over in your fifties. Meet Nancy: a recently divorced stay-at-home mom reentering the [&#8230;]]]></itunes:summary>
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	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[You&#8217;re in your 50s, $50,000 in debt, and retirement at 65 feels impossible. We made this episode for you. Today, Mindy and Scott spell out the exact step-by-step plan to go from $50K in debt to a million-dollar retirement—even if you&#8217;re starting over in your fifties. Meet Nancy: a recently divorced stay-at-home mom reentering the [&#8230;]]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>How to Reach Coast FIRE (The Relaxed Way to Retire!)</title>
	<link>https://biggerpocketsmoney.com/podcast/how-to-reach-coast-fire-the-relaxed-way-to-retire/</link>
	<pubDate>Fri, 09 Jan 2026 06:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
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	<description><![CDATA[What if you didn&#8217;t have to save 70% of your income to retire early? What if you could hit a number in your 30s, ease off the gas, and still reach financial independence—without sacrificing your present life? That&#8217;s Coast FIRE, and today&#8217;s guest Andy Hill is the perfect example of how it works in real [&#8230;]]]></description>
	<itunes:subtitle><![CDATA[What if you didn&#8217;t have to save 70% of your income to retire early? What if you could hit a number in your 30s, ease off the gas, and still reach financial independence—without sacrificing your present life? That&#8217;s Coast FIRE, and today&#8217]]></itunes:subtitle>
	<content:encoded><![CDATA[What if you didn&#8217;t have to save 70% of your income to retire early? What if you could hit a number in your 30s, ease off the gas, and still reach financial independence—without sacrificing your present life? That&#8217;s Coast FIRE, and today&#8217;s guest Andy Hill is the perfect example of how it works in real [&#8230;]]]></content:encoded>
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	<itunes:summary><![CDATA[What if you didn&#8217;t have to save 70% of your income to retire early? What if you could hit a number in your 30s, ease off the gas, and still reach financial independence—without sacrificing your present life? That&#8217;s Coast FIRE, and today&#8217;s guest Andy Hill is the perfect example of how it works in real [&#8230;]]]></itunes:summary>
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	<itunes:block>no</itunes:block>
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	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>How to Retire Early: A 15-Year Plan to Go from $1,000 to FIRE</title>
	<link>https://biggerpocketsmoney.com/podcast/how-to-retire-early-a-15-year-plan-to-go-from-1000-to-fire/</link>
	<pubDate>Tue, 06 Jan 2026 06:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">a4c97cdc-e529-11f0-ba63-53f1816282a6</guid>
	<description><![CDATA[What if you&#8217;re doing FIRE in the wrong order? Most people chasing financial independence are following steps that actually slow them down—and it could be costing you years of freedom. In this episode, Mindy Jensen and Scott Trench break down the exact step by step order for achieving FIRE as fast as possible. Whether you&#8217;re [&#8230;]]]></description>
	<itunes:subtitle><![CDATA[What if you&#8217;re doing FIRE in the wrong order? Most people chasing financial independence are following steps that actually slow them down—and it could be costing you years of freedom. In this episode, Mindy Jensen and Scott Trench break down the ex]]></itunes:subtitle>
	<content:encoded><![CDATA[What if you&#8217;re doing FIRE in the wrong order? Most people chasing financial independence are following steps that actually slow them down—and it could be costing you years of freedom. In this episode, Mindy Jensen and Scott Trench break down the exact step by step order for achieving FIRE as fast as possible. Whether you&#8217;re [&#8230;]]]></content:encoded>
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	<itunes:summary><![CDATA[What if you&#8217;re doing FIRE in the wrong order? Most people chasing financial independence are following steps that actually slow them down—and it could be costing you years of freedom. In this episode, Mindy Jensen and Scott Trench break down the exact step by step order for achieving FIRE as fast as possible. Whether you&#8217;re [&#8230;]]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[What if you&#8217;re doing FIRE in the wrong order? Most people chasing financial independence are following steps that actually slow them down—and it could be costing you years of freedom. In this episode, Mindy Jensen and Scott Trench break down the exact step by step order for achieving FIRE as fast as possible. Whether you&#8217;re [&#8230;]]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>How to Use AI to Reach Financial Independence Faster</title>
	<link>https://biggerpocketsmoney.com/podcast/how-to-use-ai-to-reach-financial-independence-faster-2/</link>
	<pubDate>Fri, 02 Jan 2026 11:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">9d006ae2-e529-11f0-8d89-e393d659c977</guid>
	<description><![CDATA[AI is revolutionizing how we build wealth and achieve financial independence. In this episode, Mindy Jensen and Scott Trench break down exactly how to use AI tools to accelerate your path to FI—from automating budgets and analyzing investments to generating income streams and optimizing your financial strategy. Discover which AI tools actually work for personal [&#8230;]]]></description>
	<itunes:subtitle><![CDATA[AI is revolutionizing how we build wealth and achieve financial independence. In this episode, Mindy Jensen and Scott Trench break down exactly how to use AI tools to accelerate your path to FI—from automating budgets and analyzing investments to generat]]></itunes:subtitle>
	<content:encoded><![CDATA[AI is revolutionizing how we build wealth and achieve financial independence. In this episode, Mindy Jensen and Scott Trench break down exactly how to use AI tools to accelerate your path to FI—from automating budgets and analyzing investments to generating income streams and optimizing your financial strategy. Discover which AI tools actually work for personal [&#8230;]]]></content:encoded>
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	<itunes:summary><![CDATA[AI is revolutionizing how we build wealth and achieve financial independence. In this episode, Mindy Jensen and Scott Trench break down exactly how to use AI tools to accelerate your path to FI—from automating budgets and analyzing investments to generating income streams and optimizing your financial strategy. Discover which AI tools actually work for personal [&#8230;]]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[AI is revolutionizing how we build wealth and achieve financial independence. In this episode, Mindy Jensen and Scott Trench break down exactly how to use AI tools to accelerate your path to FI—from automating budgets and analyzing investments to generating income streams and optimizing your financial strategy. Discover which AI tools actually work for personal [&#8230;]]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>How to Use AI to Reach Financial Independence Faster</title>
	<link>https://biggerpocketsmoney.com/podcast/how-to-use-ai-to-reach-financial-independence-faster/</link>
	<pubDate>Fri, 02 Jan 2026 11:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">9d006ae2-e529-11f0-8d89-e393d659c977</guid>
	<description><![CDATA[AI is revolutionizing how we build wealth and achieve financial independence. In this episode, Mindy Jensen and Scott Trench break down exactly how to use AI tools to accelerate your path to FI—from automating budgets and analyzing investments to generating income streams and optimizing your financial strategy. Discover which AI tools actually work for personal [&#8230;]]]></description>
	<itunes:subtitle><![CDATA[AI is revolutionizing how we build wealth and achieve financial independence. In this episode, Mindy Jensen and Scott Trench break down exactly how to use AI tools to accelerate your path to FI—from automating budgets and analyzing investments to generat]]></itunes:subtitle>
	<content:encoded><![CDATA[AI is revolutionizing how we build wealth and achieve financial independence. In this episode, Mindy Jensen and Scott Trench break down exactly how to use AI tools to accelerate your path to FI—from automating budgets and analyzing investments to generating income streams and optimizing your financial strategy. Discover which AI tools actually work for personal [&#8230;]]]></content:encoded>
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	<itunes:summary><![CDATA[AI is revolutionizing how we build wealth and achieve financial independence. In this episode, Mindy Jensen and Scott Trench break down exactly how to use AI tools to accelerate your path to FI—from automating budgets and analyzing investments to generating income streams and optimizing your financial strategy. Discover which AI tools actually work for personal [&#8230;]]]></itunes:summary>
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	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[AI is revolutionizing how we build wealth and achieve financial independence. In this episode, Mindy Jensen and Scott Trench break down exactly how to use AI tools to accelerate your path to FI—from automating budgets and analyzing investments to generating income streams and optimizing your financial strategy. Discover which AI tools actually work for personal [&#8230;]]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>Scott Builds Four Portfolios with Four Different Strategies ($40k Experiment)</title>
	<link>https://biggerpocketsmoney.com/podcast/scott-builds-four-portfolios-with-four-different-strategies-40k-experiment/</link>
	<pubDate>Tue, 30 Dec 2025 11:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">f7596418-8cb9-11ef-a0e1-c397d0d1288b</guid>
	<description><![CDATA[In this episode of the BiggerPockets Money Podcast with Mindy Jensen and Scott Trench, Scott builds four different investment portfolios using real money, each account starting with $10,000 and employing different strategies. Scott invests in an index fund, a 60/40 stock-bond portfolio, a risk parity portfolio, and a unique actively managed thesis. Follow along as [&#8230;]]]></description>
	<itunes:subtitle><![CDATA[In this episode of the BiggerPockets Money Podcast with Mindy Jensen and Scott Trench, Scott builds four different investment portfolios using real money, each account starting with $10,000 and employing different strategies. Scott invests in an index fu]]></itunes:subtitle>
	<content:encoded><![CDATA[In this episode of the BiggerPockets Money Podcast with Mindy Jensen and Scott Trench, Scott builds four different investment portfolios using real money, each account starting with $10,000 and employing different strategies. Scott invests in an index fund, a 60/40 stock-bond portfolio, a risk parity portfolio, and a unique actively managed thesis. Follow along as [&#8230;]]]></content:encoded>
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	<itunes:summary><![CDATA[In this episode of the BiggerPockets Money Podcast with Mindy Jensen and Scott Trench, Scott builds four different investment portfolios using real money, each account starting with $10,000 and employing different strategies. Scott invests in an index fund, a 60/40 stock-bond portfolio, a risk parity portfolio, and a unique actively managed thesis. Follow along as [&#8230;]]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[In this episode of the BiggerPockets Money Podcast with Mindy Jensen and Scott Trench, Scott builds four different investment portfolios using real money, each account starting with $10,000 and employing different strategies. Scott invests in an index fund, a 60/40 stock-bond portfolio, a risk parity portfolio, and a unique actively managed thesis. Follow along as [&#8230;]]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>Which Path to Financial Independence Is Faster? Sell or Rent?</title>
	<link>https://biggerpocketsmoney.com/podcast/which-path-to-financial-independence-is-faster-sell-or-rent/</link>
	<pubDate>Fri, 26 Dec 2025 11:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
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	<description><![CDATA[Should you turn your primary home into a rental property or sell it when you move? It&#8217;s one of the biggest financial decisions homeowners face, and in this episode, Mindy Jensen and Scott Trench are helping Alyssa and John figure out the answer. This couple is relocating and facing a dilemma: they have a home [&#8230;]]]></description>
	<itunes:subtitle><![CDATA[Should you turn your primary home into a rental property or sell it when you move? It&#8217;s one of the biggest financial decisions homeowners face, and in this episode, Mindy Jensen and Scott Trench are helping Alyssa and John figure out the answer. Th]]></itunes:subtitle>
	<content:encoded><![CDATA[Should you turn your primary home into a rental property or sell it when you move? It&#8217;s one of the biggest financial decisions homeowners face, and in this episode, Mindy Jensen and Scott Trench are helping Alyssa and John figure out the answer. This couple is relocating and facing a dilemma: they have a home [&#8230;]]]></content:encoded>
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	<itunes:summary><![CDATA[Should you turn your primary home into a rental property or sell it when you move? It&#8217;s one of the biggest financial decisions homeowners face, and in this episode, Mindy Jensen and Scott Trench are helping Alyssa and John figure out the answer. This couple is relocating and facing a dilemma: they have a home [&#8230;]]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
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	<itunes:duration>0:00</itunes:duration>
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	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>How to Set FIRE Goals and Actually Achieve Them (2026)</title>
	<link>https://biggerpocketsmoney.com/podcast/how-to-set-fire-goals-and-actually-achieve-them-2026/</link>
	<pubDate>Tue, 23 Dec 2025 11:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">f70f86ae-8cb9-11ef-a0e1-afd4072c444b</guid>
	<description><![CDATA[Episode #704 ~~~ Download the Goal Setting Document: www.biggerpocketsmoney.com/resources  ~~~ Subscribe to the 31 Day Challenge: www.biggerpocketsmoney.com/31days  ~~~ Subscribe to our Weekly Newsletter: www.biggerpocketsmoney.com ~~~ Want to be a guest on the show? Apply here: https://biggerpocketsmoney.com/contact/ ~~~ Get 50% Off Your First Year of Monarch by using code ‘Pockets’: https://www.monarchmoney.com/ ~~~ Connect with Scott and [&#8230;]]]></description>
	<itunes:subtitle><![CDATA[Episode #704 ~~~ Download the Goal Setting Document: www.biggerpocketsmoney.com/resources  ~~~ Subscribe to the 31 Day Challenge: www.biggerpocketsmoney.com/31days  ~~~ Subscribe to our Weekly Newsletter: www.biggerpocketsmoney.com ~~~ Want to be a guest]]></itunes:subtitle>
	<content:encoded><![CDATA[Episode #704 ~~~ Download the Goal Setting Document: www.biggerpocketsmoney.com/resources  ~~~ Subscribe to the 31 Day Challenge: www.biggerpocketsmoney.com/31days  ~~~ Subscribe to our Weekly Newsletter: www.biggerpocketsmoney.com ~~~ Want to be a guest on the show? Apply here: https://biggerpocketsmoney.com/contact/ ~~~ Get 50% Off Your First Year of Monarch by using code ‘Pockets’: https://www.monarchmoney.com/ ~~~ Connect with Scott and [&#8230;]]]></content:encoded>
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	<itunes:summary><![CDATA[Episode #704 ~~~ Download the Goal Setting Document: www.biggerpocketsmoney.com/resources  ~~~ Subscribe to the 31 Day Challenge: www.biggerpocketsmoney.com/31days  ~~~ Subscribe to our Weekly Newsletter: www.biggerpocketsmoney.com ~~~ Want to be a guest on the show? Apply here: https://biggerpocketsmoney.com/contact/ ~~~ Get 50% Off Your First Year of Monarch by using code ‘Pockets’: https://www.monarchmoney.com/ ~~~ Connect with Scott and [&#8230;]]]></itunes:summary>
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	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[Episode #704 ~~~ Download the Goal Setting Document: www.biggerpocketsmoney.com/resources  ~~~ Subscribe to the 31 Day Challenge: www.biggerpocketsmoney.com/31days  ~~~ Subscribe to our Weekly Newsletter: www.biggerpocketsmoney.com ~~~ Want to be a guest on the show? Apply here: https://biggerpocketsmoney.com/contact/ ~~~ Get 50% Off Your First Year of Monarch by using code ‘Pockets’: https://www.monarchmoney.com/ ~~~ Connect with Scott and [&#8230;]]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
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<item>
	<title>How to Track Your Path to FI in 2026 (Step-by-Step Guide)</title>
	<link>https://biggerpocketsmoney.com/podcast/how-to-track-your-path-to-fi-in-2026-step-by-step-guide/</link>
	<pubDate>Fri, 19 Dec 2025 11:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
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	<description><![CDATA[Ready to take control of your finances in 2026? Mindy Jensen and Scott Trench are breaking down one of the most powerful tools for financial success: the personal financial statement. Think of it as your complete financial snapshot—tracking your net worth, cash flow, assets, and liabilities all in one place. The best part? They&#8217;re giving [&#8230;]]]></description>
	<itunes:subtitle><![CDATA[Ready to take control of your finances in 2026? Mindy Jensen and Scott Trench are breaking down one of the most powerful tools for financial success: the personal financial statement. Think of it as your complete financial snapshot—tracking your net wort]]></itunes:subtitle>
	<content:encoded><![CDATA[Ready to take control of your finances in 2026? Mindy Jensen and Scott Trench are breaking down one of the most powerful tools for financial success: the personal financial statement. Think of it as your complete financial snapshot—tracking your net worth, cash flow, assets, and liabilities all in one place. The best part? They&#8217;re giving [&#8230;]]]></content:encoded>
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	<itunes:summary><![CDATA[Ready to take control of your finances in 2026? Mindy Jensen and Scott Trench are breaking down one of the most powerful tools for financial success: the personal financial statement. Think of it as your complete financial snapshot—tracking your net worth, cash flow, assets, and liabilities all in one place. The best part? They&#8217;re giving [&#8230;]]]></itunes:summary>
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	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[Ready to take control of your finances in 2026? Mindy Jensen and Scott Trench are breaking down one of the most powerful tools for financial success: the personal financial statement. Think of it as your complete financial snapshot—tracking your net worth, cash flow, assets, and liabilities all in one place. The best part? They&#8217;re giving [&#8230;]]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>How this Couple Achieved FIRE in Their 30s (Average Income)</title>
	<link>https://biggerpocketsmoney.com/podcast/how-this-couple-achieved-fire-in-their-30s-average-income/</link>
	<pubDate>Tue, 16 Dec 2025 11:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
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	<description><![CDATA[Sam and Carolyn reached financial independence in their thirties through frugality, real estate investing, and building side hustles that generated $10,000 per month. Then they made a bold move—quitting their jobs and briefly relocating to Canada. This Episode Covers: How Sam and Carolyn house-hacked their way to a multi-property real estate portfolio The unconventional side [&#8230;]]]></description>
	<itunes:subtitle><![CDATA[Sam and Carolyn reached financial independence in their thirties through frugality, real estate investing, and building side hustles that generated $10,000 per month. Then they made a bold move—quitting their jobs and briefly relocating to Canada. This E]]></itunes:subtitle>
	<content:encoded><![CDATA[Sam and Carolyn reached financial independence in their thirties through frugality, real estate investing, and building side hustles that generated $10,000 per month. Then they made a bold move—quitting their jobs and briefly relocating to Canada. This Episode Covers: How Sam and Carolyn house-hacked their way to a multi-property real estate portfolio The unconventional side [&#8230;]]]></content:encoded>
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	<itunes:summary><![CDATA[Sam and Carolyn reached financial independence in their thirties through frugality, real estate investing, and building side hustles that generated $10,000 per month. Then they made a bold move—quitting their jobs and briefly relocating to Canada. This Episode Covers: How Sam and Carolyn house-hacked their way to a multi-property real estate portfolio The unconventional side [&#8230;]]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[Sam and Carolyn reached financial independence in their thirties through frugality, real estate investing, and building side hustles that generated $10,000 per month. Then they made a bold move—quitting their jobs and briefly relocating to Canada. This Episode Covers: How Sam and Carolyn house-hacked their way to a multi-property real estate portfolio The unconventional side [&#8230;]]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>Financial Independence Through the Unthinkable: A Healthcare Crisis</title>
	<link>https://biggerpocketsmoney.com/podcast/financial-independence-through-the-unthinkable-a-healthcare-crisis/</link>
	<pubDate>Fri, 12 Dec 2025 12:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
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	<description><![CDATA[Join Mindy Jensen and Scott Trench for a powerful conversation with Regina Moore, who achieved millionaire status before 35 through frugality and her career as a pharmacist. But when her young son was diagnosed with cancer, everything changed. In this deeply personal episode, Regina opens up about how a healthcare crisis tested her Lean FIRE [&#8230;]]]></description>
	<itunes:subtitle><![CDATA[Join Mindy Jensen and Scott Trench for a powerful conversation with Regina Moore, who achieved millionaire status before 35 through frugality and her career as a pharmacist. But when her young son was diagnosed with cancer, everything changed. In this de]]></itunes:subtitle>
	<content:encoded><![CDATA[Join Mindy Jensen and Scott Trench for a powerful conversation with Regina Moore, who achieved millionaire status before 35 through frugality and her career as a pharmacist. But when her young son was diagnosed with cancer, everything changed. In this deeply personal episode, Regina opens up about how a healthcare crisis tested her Lean FIRE [&#8230;]]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC4075884961.mp3" length="82720839" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[Join Mindy Jensen and Scott Trench for a powerful conversation with Regina Moore, who achieved millionaire status before 35 through frugality and her career as a pharmacist. But when her young son was diagnosed with cancer, everything changed. In this deeply personal episode, Regina opens up about how a healthcare crisis tested her Lean FIRE [&#8230;]]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[Join Mindy Jensen and Scott Trench for a powerful conversation with Regina Moore, who achieved millionaire status before 35 through frugality and her career as a pharmacist. But when her young son was diagnosed with cancer, everything changed. In this deeply personal episode, Regina opens up about how a healthcare crisis tested her Lean FIRE [&#8230;]]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>The Ultimate Guide to Early Retirement Drawdown (2026)</title>
	<link>https://biggerpocketsmoney.com/podcast/the-ultimate-guide-to-early-retirement-drawdown-2026/</link>
	<pubDate>Tue, 09 Dec 2025 12:30:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
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	<description><![CDATA[Building a $2.5 million portfolio is hard. Spending it without running out? That&#8217;s even harder. Welcome to the 700th episode of the BiggerPockets Money Podcast! To mark this milestone, hosts Mindy Jensen and Scott Trench are tackling one of the most critical—and most overlooked—aspects of financial independence: decumulation. Most people obsess over building wealth but [&#8230;]]]></description>
	<itunes:subtitle><![CDATA[Building a $2.5 million portfolio is hard. Spending it without running out? That&#8217;s even harder. Welcome to the 700th episode of the BiggerPockets Money Podcast! To mark this milestone, hosts Mindy Jensen and Scott Trench are tackling one of the mos]]></itunes:subtitle>
	<content:encoded><![CDATA[Building a $2.5 million portfolio is hard. Spending it without running out? That&#8217;s even harder. Welcome to the 700th episode of the BiggerPockets Money Podcast! To mark this milestone, hosts Mindy Jensen and Scott Trench are tackling one of the most critical—and most overlooked—aspects of financial independence: decumulation. Most people obsess over building wealth but [&#8230;]]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC6581508931.mp3" length="76830146" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[Building a $2.5 million portfolio is hard. Spending it without running out? That&#8217;s even harder. Welcome to the 700th episode of the BiggerPockets Money Podcast! To mark this milestone, hosts Mindy Jensen and Scott Trench are tackling one of the most critical—and most overlooked—aspects of financial independence: decumulation. Most people obsess over building wealth but [&#8230;]]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[Building a $2.5 million portfolio is hard. Spending it without running out? That&#8217;s even harder. Welcome to the 700th episode of the BiggerPockets Money Podcast! To mark this milestone, hosts Mindy Jensen and Scott Trench are tackling one of the most critical—and most overlooked—aspects of financial independence: decumulation. Most people obsess over building wealth but [&#8230;]]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>The Case for Blended (Instead of Sequential) Drawdown for Early Retirees</title>
	<link>https://biggerpocketsmoney.com/podcast/the-case-for-blended-instead-of-sequential-drawdown-for-early-retirees/</link>
	<pubDate>Fri, 05 Dec 2025 11:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
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	<description><![CDATA[Are you using the wrong retirement withdrawal strategy? Sequential drawdown—draining one account before touching the next—is the most common approach to early retirement, but it could be costing you tens of thousands in unnecessary taxes. In this episode of the BiggerPockets Money Podcast, hosts Mindy Jensen and Scott Trench sit down with Enrolled Agent Mark [&#8230;]]]></description>
	<itunes:subtitle><![CDATA[Are you using the wrong retirement withdrawal strategy? Sequential drawdown—draining one account before touching the next—is the most common approach to early retirement, but it could be costing you tens of thousands in unnecessary taxes. In this episode]]></itunes:subtitle>
	<content:encoded><![CDATA[Are you using the wrong retirement withdrawal strategy? Sequential drawdown—draining one account before touching the next—is the most common approach to early retirement, but it could be costing you tens of thousands in unnecessary taxes. In this episode of the BiggerPockets Money Podcast, hosts Mindy Jensen and Scott Trench sit down with Enrolled Agent Mark [&#8230;]]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC7489256550.mp3" length="106953644" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[Are you using the wrong retirement withdrawal strategy? Sequential drawdown—draining one account before touching the next—is the most common approach to early retirement, but it could be costing you tens of thousands in unnecessary taxes. In this episode of the BiggerPockets Money Podcast, hosts Mindy Jensen and Scott Trench sit down with Enrolled Agent Mark [&#8230;]]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[Are you using the wrong retirement withdrawal strategy? Sequential drawdown—draining one account before touching the next—is the most common approach to early retirement, but it could be costing you tens of thousands in unnecessary taxes. In this episode of the BiggerPockets Money Podcast, hosts Mindy Jensen and Scott Trench sit down with Enrolled Agent Mark [&#8230;]]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>If We Started FIRE Over in 2025, Here&#8217;s Exactly What We&#8217;d Do</title>
	<link>https://biggerpocketsmoney.com/podcast/if-we-started-fire-over-in-2025-heres-exactly-what-wed-do/</link>
	<pubDate>Tue, 02 Dec 2025 11:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">f640d368-8cb9-11ef-a0e1-57ae3d318a05</guid>
	<description><![CDATA[What would you do differently if you could start your FIRE journey over today? Back in 2013, Scott was fresh out of college house hacking his way to financial independence, while Mindy and her husband were deep into their FIRE journey documenting it all on their blog. Fast forward to 2025—both are financially independent, but [&#8230;]]]></description>
	<itunes:subtitle><![CDATA[What would you do differently if you could start your FIRE journey over today? Back in 2013, Scott was fresh out of college house hacking his way to financial independence, while Mindy and her husband were deep into their FIRE journey documenting it all ]]></itunes:subtitle>
	<content:encoded><![CDATA[What would you do differently if you could start your FIRE journey over today? Back in 2013, Scott was fresh out of college house hacking his way to financial independence, while Mindy and her husband were deep into their FIRE journey documenting it all on their blog. Fast forward to 2025—both are financially independent, but [&#8230;]]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC6032447659.mp3" length="59045391" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[What would you do differently if you could start your FIRE journey over today? Back in 2013, Scott was fresh out of college house hacking his way to financial independence, while Mindy and her husband were deep into their FIRE journey documenting it all on their blog. Fast forward to 2025—both are financially independent, but [&#8230;]]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[What would you do differently if you could start your FIRE journey over today? Back in 2013, Scott was fresh out of college house hacking his way to financial independence, while Mindy and her husband were deep into their FIRE journey documenting it all on their blog. Fast forward to 2025—both are financially independent, but [&#8230;]]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>Does Money Buy Happiness? What the FIRE Community Gets Wrong</title>
	<link>https://biggerpocketsmoney.com/podcast/does-money-buy-happiness-what-the-fire-community-gets-wrong/</link>
	<pubDate>Fri, 28 Nov 2025 11:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
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	<description><![CDATA[What happens after you achieve financial independence? Former Facebook employee turned comedian Paul Ollinger discovered the answer wasn&#8217;t what he expected—and it completely changed how he thinks about money, work, and happiness. This Episode Covers: Why financial autonomy beats wealth accumulation—and what that actually means for your daily life The psychological challenges of early retirement [&#8230;]]]></description>
	<itunes:subtitle><![CDATA[What happens after you achieve financial independence? Former Facebook employee turned comedian Paul Ollinger discovered the answer wasn&#8217;t what he expected—and it completely changed how he thinks about money, work, and happiness. This Episode Cover]]></itunes:subtitle>
	<content:encoded><![CDATA[What happens after you achieve financial independence? Former Facebook employee turned comedian Paul Ollinger discovered the answer wasn&#8217;t what he expected—and it completely changed how he thinks about money, work, and happiness. This Episode Covers: Why financial autonomy beats wealth accumulation—and what that actually means for your daily life The psychological challenges of early retirement [&#8230;]]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC3552789668.mp3" length="76549155" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[What happens after you achieve financial independence? Former Facebook employee turned comedian Paul Ollinger discovered the answer wasn&#8217;t what he expected—and it completely changed how he thinks about money, work, and happiness. This Episode Covers: Why financial autonomy beats wealth accumulation—and what that actually means for your daily life The psychological challenges of early retirement [&#8230;]]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[What happens after you achieve financial independence? Former Facebook employee turned comedian Paul Ollinger discovered the answer wasn&#8217;t what he expected—and it completely changed how he thinks about money, work, and happiness. This Episode Covers: Why financial autonomy beats wealth accumulation—and what that actually means for your daily life The psychological challenges of early retirement [&#8230;]]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>Will 2026 Healthcare Costs Destroy Financial Independence for Millions?</title>
	<link>https://biggerpocketsmoney.com/podcast/will-2026-healthcare-costs-destroy-financial-independence-for-millions/</link>
	<pubDate>Tue, 25 Nov 2025 12:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
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	<description><![CDATA[Will 2026 healthcare costs destroy your FIRE plan? Enhanced ACA tax credits expire in 2026—meaning health insurance premiums could DOUBLE or TRIPLE overnight. This healthcare subsidy cliff threatens millions who depend on affordable marketplace coverage. In this episode of the BiggerPockets Money podcast, Mindy Jensen and Scott Trench interview Matt McGough from KFF to break [&#8230;]]]></description>
	<itunes:subtitle><![CDATA[Will 2026 healthcare costs destroy your FIRE plan? Enhanced ACA tax credits expire in 2026—meaning health insurance premiums could DOUBLE or TRIPLE overnight. This healthcare subsidy cliff threatens millions who depend on affordable marketplace coverage.]]></itunes:subtitle>
	<content:encoded><![CDATA[Will 2026 healthcare costs destroy your FIRE plan? Enhanced ACA tax credits expire in 2026—meaning health insurance premiums could DOUBLE or TRIPLE overnight. This healthcare subsidy cliff threatens millions who depend on affordable marketplace coverage. In this episode of the BiggerPockets Money podcast, Mindy Jensen and Scott Trench interview Matt McGough from KFF to break [&#8230;]]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC9168306700.mp3" length="81934263" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[Will 2026 healthcare costs destroy your FIRE plan? Enhanced ACA tax credits expire in 2026—meaning health insurance premiums could DOUBLE or TRIPLE overnight. This healthcare subsidy cliff threatens millions who depend on affordable marketplace coverage. In this episode of the BiggerPockets Money podcast, Mindy Jensen and Scott Trench interview Matt McGough from KFF to break [&#8230;]]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[Will 2026 healthcare costs destroy your FIRE plan? Enhanced ACA tax credits expire in 2026—meaning health insurance premiums could DOUBLE or TRIPLE overnight. This healthcare subsidy cliff threatens millions who depend on affordable marketplace coverage. In this episode of the BiggerPockets Money podcast, Mindy Jensen and Scott Trench interview Matt McGough from KFF to break [&#8230;]]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>Proof You Don&#8217;t Need a High Salary for FIRE (Teacher Retires at 50)</title>
	<link>https://biggerpocketsmoney.com/podcast/proof-you-dont-need-a-high-salary-for-fire-teacher-retires-at-50/</link>
	<pubDate>Fri, 21 Nov 2025 10:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">f5c1c474-8cb9-11ef-a0e1-b37fcb855bc6</guid>
	<description><![CDATA[Think you need a six-figure salary to retire early? Think again. Middle school teacher Andrew Luman is achieving financial independence and retiring at 50—all on a teacher&#8217;s salary. In this episode of the BiggerPockets Money podcast, hosts Mindy Jensen and Scott Trench unpack Andrew&#8217;s complete FIRE strategy, proving that early retirement isn&#8217;t reserved for high [&#8230;]]]></description>
	<itunes:subtitle><![CDATA[Think you need a six-figure salary to retire early? Think again. Middle school teacher Andrew Luman is achieving financial independence and retiring at 50—all on a teacher&#8217;s salary. In this episode of the BiggerPockets Money podcast, hosts Mindy Je]]></itunes:subtitle>
	<content:encoded><![CDATA[Think you need a six-figure salary to retire early? Think again. Middle school teacher Andrew Luman is achieving financial independence and retiring at 50—all on a teacher&#8217;s salary. In this episode of the BiggerPockets Money podcast, hosts Mindy Jensen and Scott Trench unpack Andrew&#8217;s complete FIRE strategy, proving that early retirement isn&#8217;t reserved for high [&#8230;]]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC1461060572.mp3" length="78469188" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[Think you need a six-figure salary to retire early? Think again. Middle school teacher Andrew Luman is achieving financial independence and retiring at 50—all on a teacher&#8217;s salary. In this episode of the BiggerPockets Money podcast, hosts Mindy Jensen and Scott Trench unpack Andrew&#8217;s complete FIRE strategy, proving that early retirement isn&#8217;t reserved for high [&#8230;]]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[Think you need a six-figure salary to retire early? Think again. Middle school teacher Andrew Luman is achieving financial independence and retiring at 50—all on a teacher&#8217;s salary. In this episode of the BiggerPockets Money podcast, hosts Mindy Jensen and Scott Trench unpack Andrew&#8217;s complete FIRE strategy, proving that early retirement isn&#8217;t reserved for high [&#8230;]]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>Stay on Track to FIRE With These Money Moves Before 2026</title>
	<link>https://biggerpocketsmoney.com/podcast/stay-on-track-to-fire-with-these-money-moves-before-2026/</link>
	<pubDate>Tue, 18 Nov 2025 11:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
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	<description><![CDATA[Time&#8217;s running out on 2025, and there are critical financial moves you need to make before December 31st. In this episode of the BiggerPockets Money podcast, Mindy and Scott walk you through the essential year-end tasks that could save you thousands of dollars and keep your FIRE goals on track. These aren&#8217;t just suggestions—they&#8217;re time-sensitive [&#8230;]]]></description>
	<itunes:subtitle><![CDATA[Time&#8217;s running out on 2025, and there are critical financial moves you need to make before December 31st. In this episode of the BiggerPockets Money podcast, Mindy and Scott walk you through the essential year-end tasks that could save you thousand]]></itunes:subtitle>
	<content:encoded><![CDATA[Time&#8217;s running out on 2025, and there are critical financial moves you need to make before December 31st. In this episode of the BiggerPockets Money podcast, Mindy and Scott walk you through the essential year-end tasks that could save you thousands of dollars and keep your FIRE goals on track. These aren&#8217;t just suggestions—they&#8217;re time-sensitive [&#8230;]]]></content:encoded>
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	<itunes:summary><![CDATA[Time&#8217;s running out on 2025, and there are critical financial moves you need to make before December 31st. In this episode of the BiggerPockets Money podcast, Mindy and Scott walk you through the essential year-end tasks that could save you thousands of dollars and keep your FIRE goals on track. These aren&#8217;t just suggestions—they&#8217;re time-sensitive [&#8230;]]]></itunes:summary>
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	<itunes:block>no</itunes:block>
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	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[Time&#8217;s running out on 2025, and there are critical financial moves you need to make before December 31st. In this episode of the BiggerPockets Money podcast, Mindy and Scott walk you through the essential year-end tasks that could save you thousands of dollars and keep your FIRE goals on track. These aren&#8217;t just suggestions—they&#8217;re time-sensitive [&#8230;]]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>Should You Pay Off Your Mortgage or Invest? (Best Choice for FIRE)</title>
	<link>https://biggerpocketsmoney.com/podcast/should-you-pay-off-your-mortgage-or-invest-best-choice-for-fire/</link>
	<pubDate>Fri, 14 Nov 2025 12:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
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	<description><![CDATA[Pay off your mortgage or invest? If you&#8217;re pursuing FIRE, you&#8217;ve wrestled with this question. A paid-off house means thousands extra in your pocket each month and a lower FIRE number. But investing that same money could build significantly more wealth and get you to FIRE with a bigger nest egg. So which strategy wins? [&#8230;]]]></description>
	<itunes:subtitle><![CDATA[Pay off your mortgage or invest? If you&#8217;re pursuing FIRE, you&#8217;ve wrestled with this question. A paid-off house means thousands extra in your pocket each month and a lower FIRE number. But investing that same money could build significantly mo]]></itunes:subtitle>
	<content:encoded><![CDATA[Pay off your mortgage or invest? If you&#8217;re pursuing FIRE, you&#8217;ve wrestled with this question. A paid-off house means thousands extra in your pocket each month and a lower FIRE number. But investing that same money could build significantly more wealth and get you to FIRE with a bigger nest egg. So which strategy wins? [&#8230;]]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC9893430421.mp3" length="50302633" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[Pay off your mortgage or invest? If you&#8217;re pursuing FIRE, you&#8217;ve wrestled with this question. A paid-off house means thousands extra in your pocket each month and a lower FIRE number. But investing that same money could build significantly more wealth and get you to FIRE with a bigger nest egg. So which strategy wins? [&#8230;]]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[Pay off your mortgage or invest? If you&#8217;re pursuing FIRE, you&#8217;ve wrestled with this question. A paid-off house means thousands extra in your pocket each month and a lower FIRE number. But investing that same money could build significantly more wealth and get you to FIRE with a bigger nest egg. So which strategy wins? [&#8230;]]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>How to Build a Tax-Efficient Portfolio (Advanced Strategies)</title>
	<link>https://biggerpocketsmoney.com/podcast/how-to-build-a-tax-efficient-portfolio-advanced-strategies/</link>
	<pubDate>Tue, 11 Nov 2025 12:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">f4978f98-8cb9-11ef-a0e1-4b2381c7e155</guid>
	<description><![CDATA[Most people think index funds are the only path to financial independence—and they&#8217;ll get you there in 15-20 years. But what if you could get there faster? In this episode, Mindy Jensen and Scott Trench team up with John Bowens from Equity Trust to reveal advanced portfolio strategies that can accelerate your FIRE timeline. This [&#8230;]]]></description>
	<itunes:subtitle><![CDATA[Most people think index funds are the only path to financial independence—and they&#8217;ll get you there in 15-20 years. But what if you could get there faster? In this episode, Mindy Jensen and Scott Trench team up with John Bowens from Equity Trust to]]></itunes:subtitle>
	<content:encoded><![CDATA[Most people think index funds are the only path to financial independence—and they&#8217;ll get you there in 15-20 years. But what if you could get there faster? In this episode, Mindy Jensen and Scott Trench team up with John Bowens from Equity Trust to reveal advanced portfolio strategies that can accelerate your FIRE timeline. This [&#8230;]]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC6124987854.mp3" length="71385247" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[Most people think index funds are the only path to financial independence—and they&#8217;ll get you there in 15-20 years. But what if you could get there faster? In this episode, Mindy Jensen and Scott Trench team up with John Bowens from Equity Trust to reveal advanced portfolio strategies that can accelerate your FIRE timeline. This [&#8230;]]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[Most people think index funds are the only path to financial independence—and they&#8217;ll get you there in 15-20 years. But what if you could get there faster? In this episode, Mindy Jensen and Scott Trench team up with John Bowens from Equity Trust to reveal advanced portfolio strategies that can accelerate your FIRE timeline. This [&#8230;]]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>How Can Paul Fast Track to FIRE by 45? ($1.6M Net Worth)</title>
	<link>https://biggerpocketsmoney.com/podcast/how-can-paul-fast-track-to-fire-by-45-1-6m-net-worth/</link>
	<pubDate>Fri, 07 Nov 2025 12:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
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	<description><![CDATA[Paul has a $1.6 million net worth at 40 years old—impressive by any standard—but he&#8217;s stuck wondering: Can I retire in the next 5-6 years? In this episode of BiggerPockets Money, Paul shares his journey from debt payoff to building substantial rental income during COVID-19. Now he&#8217;s sitting on significant equity, strong cash flow, and [&#8230;]]]></description>
	<itunes:subtitle><![CDATA[Paul has a $1.6 million net worth at 40 years old—impressive by any standard—but he&#8217;s stuck wondering: Can I retire in the next 5-6 years? In this episode of BiggerPockets Money, Paul shares his journey from debt payoff to building substantial rent]]></itunes:subtitle>
	<content:encoded><![CDATA[Paul has a $1.6 million net worth at 40 years old—impressive by any standard—but he&#8217;s stuck wondering: Can I retire in the next 5-6 years? In this episode of BiggerPockets Money, Paul shares his journey from debt payoff to building substantial rental income during COVID-19. Now he&#8217;s sitting on significant equity, strong cash flow, and [&#8230;]]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC9732248524.mp3" length="77833461" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[Paul has a $1.6 million net worth at 40 years old—impressive by any standard—but he&#8217;s stuck wondering: Can I retire in the next 5-6 years? In this episode of BiggerPockets Money, Paul shares his journey from debt payoff to building substantial rental income during COVID-19. Now he&#8217;s sitting on significant equity, strong cash flow, and [&#8230;]]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[Paul has a $1.6 million net worth at 40 years old—impressive by any standard—but he&#8217;s stuck wondering: Can I retire in the next 5-6 years? In this episode of BiggerPockets Money, Paul shares his journey from debt payoff to building substantial rental income during COVID-19. Now he&#8217;s sitting on significant equity, strong cash flow, and [&#8230;]]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>How to Avoid (or Escape) the Middle-Class Trap and Retire Early</title>
	<link>https://biggerpocketsmoney.com/podcast/how-to-avoid-or-escape-the-middle-class-trap-and-retire-early/</link>
	<pubDate>Tue, 04 Nov 2025 12:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">f4632618-8cb9-11ef-a0e1-2bc74623870f</guid>
	<description><![CDATA[You&#8217;re doing everything right—buying a house, maxing out your 401(k), investing in real estate—but what if these &#8220;smart&#8221; money moves are actually trapping you in your job? It&#8217;s the paradox plaguing the FIRE community: you could be a millionaire on paper but can&#8217;t afford to retire because all your wealth is locked up. Welcome to [&#8230;]]]></description>
	<itunes:subtitle><![CDATA[You&#8217;re doing everything right—buying a house, maxing out your 401(k), investing in real estate—but what if these &#8220;smart&#8221; money moves are actually trapping you in your job? It&#8217;s the paradox plaguing the FIRE community: you could be]]></itunes:subtitle>
	<content:encoded><![CDATA[You&#8217;re doing everything right—buying a house, maxing out your 401(k), investing in real estate—but what if these &#8220;smart&#8221; money moves are actually trapping you in your job? It&#8217;s the paradox plaguing the FIRE community: you could be a millionaire on paper but can&#8217;t afford to retire because all your wealth is locked up. Welcome to [&#8230;]]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC2082118218.mp3" length="60810166" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[You&#8217;re doing everything right—buying a house, maxing out your 401(k), investing in real estate—but what if these &#8220;smart&#8221; money moves are actually trapping you in your job? It&#8217;s the paradox plaguing the FIRE community: you could be a millionaire on paper but can&#8217;t afford to retire because all your wealth is locked up. Welcome to [&#8230;]]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[You&#8217;re doing everything right—buying a house, maxing out your 401(k), investing in real estate—but what if these &#8220;smart&#8221; money moves are actually trapping you in your job? It&#8217;s the paradox plaguing the FIRE community: you could be a millionaire on paper but can&#8217;t afford to retire because all your wealth is locked up. Welcome to [&#8230;]]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>From Making $28,000/Year to FI in 5 YEARS</title>
	<link>https://biggerpocketsmoney.com/podcast/from-making-28000-year-to-fi-in-5-years/</link>
	<pubDate>Fri, 31 Oct 2025 11:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
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	<description><![CDATA[One rental property changed everything. Deandra was drowning—working multiple jobs, crushed by student debt, teaching full-time with no end in sight. Then she bought her first property with just $4,000, and within four years, she walked away from teaching forever. Today, Deandra reveals the exact strategy she used to go from broke teacher to financially [&#8230;]]]></description>
	<itunes:subtitle><![CDATA[One rental property changed everything. Deandra was drowning—working multiple jobs, crushed by student debt, teaching full-time with no end in sight. Then she bought her first property with just $4,000, and within four years, she walked away from teachin]]></itunes:subtitle>
	<content:encoded><![CDATA[One rental property changed everything. Deandra was drowning—working multiple jobs, crushed by student debt, teaching full-time with no end in sight. Then she bought her first property with just $4,000, and within four years, she walked away from teaching forever. Today, Deandra reveals the exact strategy she used to go from broke teacher to financially [&#8230;]]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC3756496029.mp3" length="83820634" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[One rental property changed everything. Deandra was drowning—working multiple jobs, crushed by student debt, teaching full-time with no end in sight. Then she bought her first property with just $4,000, and within four years, she walked away from teaching forever. Today, Deandra reveals the exact strategy she used to go from broke teacher to financially [&#8230;]]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[One rental property changed everything. Deandra was drowning—working multiple jobs, crushed by student debt, teaching full-time with no end in sight. Then she bought her first property with just $4,000, and within four years, she walked away from teaching forever. Today, Deandra reveals the exact strategy she used to go from broke teacher to financially [&#8230;]]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>How The Top 1% Actually Invest (Not What You Think)</title>
	<link>https://biggerpocketsmoney.com/podcast/how-the-top-1-actually-invest-not-what-you-think/</link>
	<pubDate>Tue, 28 Oct 2025 11:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">f31d61c4-8cb9-11ef-a0e1-1374e6317573</guid>
	<description><![CDATA[The wealthiest 1% invest completely differently than you&#8217;ve been taught—and they definitely don&#8217;t follow the advice most financial advisors give. In this episode of BiggerPockets Money, hosts Mindy Jensen and Scott Trench sit down with Tad Fallows, co-founder of Long Angle, to reveal the real investment strategies of high-net-worth individuals and how they differ from [&#8230;]]]></description>
	<itunes:subtitle><![CDATA[The wealthiest 1% invest completely differently than you&#8217;ve been taught—and they definitely don&#8217;t follow the advice most financial advisors give. In this episode of BiggerPockets Money, hosts Mindy Jensen and Scott Trench sit down with Tad Fa]]></itunes:subtitle>
	<content:encoded><![CDATA[The wealthiest 1% invest completely differently than you&#8217;ve been taught—and they definitely don&#8217;t follow the advice most financial advisors give. In this episode of BiggerPockets Money, hosts Mindy Jensen and Scott Trench sit down with Tad Fallows, co-founder of Long Angle, to reveal the real investment strategies of high-net-worth individuals and how they differ from [&#8230;]]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC8096408850.mp3" length="70809434" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[The wealthiest 1% invest completely differently than you&#8217;ve been taught—and they definitely don&#8217;t follow the advice most financial advisors give. In this episode of BiggerPockets Money, hosts Mindy Jensen and Scott Trench sit down with Tad Fallows, co-founder of Long Angle, to reveal the real investment strategies of high-net-worth individuals and how they differ from [&#8230;]]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[The wealthiest 1% invest completely differently than you&#8217;ve been taught—and they definitely don&#8217;t follow the advice most financial advisors give. In this episode of BiggerPockets Money, hosts Mindy Jensen and Scott Trench sit down with Tad Fallows, co-founder of Long Angle, to reveal the real investment strategies of high-net-worth individuals and how they differ from [&#8230;]]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>You DON&#8217;T Need to Be &#8220;Debt-Free&#8221; to Reach FIRE</title>
	<link>https://biggerpocketsmoney.com/podcast/you-dont-need-to-be-debt-free-to-reach-fire/</link>
	<pubDate>Fri, 24 Oct 2025 11:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">f3f4f5ee-8cb9-11ef-a0e1-9b7387e3b2e1</guid>
	<description><![CDATA[Should you pay off all your debt before investing? Or is that costing you years of financial freedom? In this episode, we&#8217;re tackling the debate that divides the FIRE community: aggressive debt payoff versus strategic debt management. We break down two real case studies to show you exactly when to prioritize debt payoff and when [&#8230;]]]></description>
	<itunes:subtitle><![CDATA[Should you pay off all your debt before investing? Or is that costing you years of financial freedom? In this episode, we&#8217;re tackling the debate that divides the FIRE community: aggressive debt payoff versus strategic debt management. We break down]]></itunes:subtitle>
	<content:encoded><![CDATA[Should you pay off all your debt before investing? Or is that costing you years of financial freedom? In this episode, we&#8217;re tackling the debate that divides the FIRE community: aggressive debt payoff versus strategic debt management. We break down two real case studies to show you exactly when to prioritize debt payoff and when [&#8230;]]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC1428760678.mp3" length="60599921" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[Should you pay off all your debt before investing? Or is that costing you years of financial freedom? In this episode, we&#8217;re tackling the debate that divides the FIRE community: aggressive debt payoff versus strategic debt management. We break down two real case studies to show you exactly when to prioritize debt payoff and when [&#8230;]]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[Should you pay off all your debt before investing? Or is that costing you years of financial freedom? In this episode, we&#8217;re tackling the debate that divides the FIRE community: aggressive debt payoff versus strategic debt management. We break down two real case studies to show you exactly when to prioritize debt payoff and when [&#8230;]]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>$90K in Debt to Coast FI with $1.5M (Here&#8217;s the Blueprint)</title>
	<link>https://biggerpocketsmoney.com/podcast/90k-in-debt-to-coast-fi-with-1-5m-heres-the-blueprint/</link>
	<pubDate>Tue, 21 Oct 2025 11:30:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">f2e7eee0-8cb9-11ef-a0e1-6b73566e6209</guid>
	<description><![CDATA[Ericka Young did what most people think is impossible—she went from 90k in debt to Coast FI with a seven-figure net worth. In this episode of the BiggerPockets Money podcast, she&#8217;s pulling back the curtain on how she did it. What You&#8217;ll Learn: How to eliminate massive debt without living in total deprivation The debt [&#8230;]]]></description>
	<itunes:subtitle><![CDATA[Ericka Young did what most people think is impossible—she went from 90k in debt to Coast FI with a seven-figure net worth. In this episode of the BiggerPockets Money podcast, she&#8217;s pulling back the curtain on how she did it. What You&#8217;ll Learn]]></itunes:subtitle>
	<content:encoded><![CDATA[Ericka Young did what most people think is impossible—she went from 90k in debt to Coast FI with a seven-figure net worth. In this episode of the BiggerPockets Money podcast, she&#8217;s pulling back the curtain on how she did it. What You&#8217;ll Learn: How to eliminate massive debt without living in total deprivation The debt [&#8230;]]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC9496164326.mp3" length="66525923" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[Ericka Young did what most people think is impossible—she went from 90k in debt to Coast FI with a seven-figure net worth. In this episode of the BiggerPockets Money podcast, she&#8217;s pulling back the curtain on how she did it. What You&#8217;ll Learn: How to eliminate massive debt without living in total deprivation The debt [&#8230;]]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[Ericka Young did what most people think is impossible—she went from 90k in debt to Coast FI with a seven-figure net worth. In this episode of the BiggerPockets Money podcast, she&#8217;s pulling back the curtain on how she did it. What You&#8217;ll Learn: How to eliminate massive debt without living in total deprivation The debt [&#8230;]]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>The FIRE Movement Is Dead! (What You Need to Know)</title>
	<link>https://biggerpocketsmoney.com/podcast/the-fire-movement-is-dead-what-you-need-to-know/</link>
	<pubDate>Fri, 17 Oct 2025 11:30:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">f3bfc0ae-8cb9-11ef-a0e1-db2236711d34</guid>
	<description><![CDATA[Is the FIRE movement dead? In 2025, more people are catching on to the huge downsides of pursuing financial independence, retire early. Strict frugality, massive sacrifice, working harder than ever…is it really worth it to retire decades before everyone else? If you’re internally screaming, “Yes! Of course it is!” you’re in good company. Today, we’re [&#8230;]]]></description>
	<itunes:subtitle><![CDATA[Is the FIRE movement dead? In 2025, more people are catching on to the huge downsides of pursuing financial independence, retire early. Strict frugality, massive sacrifice, working harder than ever…is it really worth it to retire decades before everyone ]]></itunes:subtitle>
	<content:encoded><![CDATA[Is the FIRE movement dead? In 2025, more people are catching on to the huge downsides of pursuing financial independence, retire early. Strict frugality, massive sacrifice, working harder than ever…is it really worth it to retire decades before everyone else? If you’re internally screaming, “Yes! Of course it is!” you’re in good company. Today, we’re [&#8230;]]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC7076495337.mp3" length="59848995" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[Is the FIRE movement dead? In 2025, more people are catching on to the huge downsides of pursuing financial independence, retire early. Strict frugality, massive sacrifice, working harder than ever…is it really worth it to retire decades before everyone else? If you’re internally screaming, “Yes! Of course it is!” you’re in good company. Today, we’re [&#8230;]]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
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	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
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<item>
	<title>The All Out Approach to Achieve FIRE in Your 30s (Median Income Earner)</title>
	<link>https://biggerpocketsmoney.com/podcast/the-all-out-approach-to-achieve-fire-in-your-30s-median-income-earner/</link>
	<pubDate>Tue, 14 Oct 2025 11:30:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
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	<description><![CDATA[In this BiggerPockets Money episode, we break down the all-out approach to reaching Financial Independence and Retiring Early in your 30s. No tech salary required, no inheritance, no luck. Just aggressive saving, smart investing, and a willingness to optimize every dollar. We&#8217;ll cover:  The exact savings rate you need to hit FIRE in your 30’s [&#8230;]]]></description>
	<itunes:subtitle><![CDATA[In this BiggerPockets Money episode, we break down the all-out approach to reaching Financial Independence and Retiring Early in your 30s. No tech salary required, no inheritance, no luck. Just aggressive saving, smart investing, and a willingness to opt]]></itunes:subtitle>
	<content:encoded><![CDATA[In this BiggerPockets Money episode, we break down the all-out approach to reaching Financial Independence and Retiring Early in your 30s. No tech salary required, no inheritance, no luck. Just aggressive saving, smart investing, and a willingness to optimize every dollar. We&#8217;ll cover:  The exact savings rate you need to hit FIRE in your 30’s [&#8230;]]]></content:encoded>
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	<itunes:summary><![CDATA[In this BiggerPockets Money episode, we break down the all-out approach to reaching Financial Independence and Retiring Early in your 30s. No tech salary required, no inheritance, no luck. Just aggressive saving, smart investing, and a willingness to optimize every dollar. We&#8217;ll cover:  The exact savings rate you need to hit FIRE in your 30’s [&#8230;]]]></itunes:summary>
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	<itunes:block>no</itunes:block>
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	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[In this BiggerPockets Money episode, we break down the all-out approach to reaching Financial Independence and Retiring Early in your 30s. No tech salary required, no inheritance, no luck. Just aggressive saving, smart investing, and a willingness to optimize every dollar. We&#8217;ll cover:  The exact savings rate you need to hit FIRE in your 30’s [&#8230;]]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>Did She Already Reach Coast FI at 46? (Finance Friday)</title>
	<link>https://biggerpocketsmoney.com/podcast/did-she-already-reach-coast-fi-at-46-finance-friday/</link>
	<pubDate>Fri, 10 Oct 2025 11:05:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
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	<description><![CDATA[In this episode of the BiggerPockets Money Podcast, hosts Mindy Jensen and Scott Trench tackle two pivotal financial decisions with their guest, Kristel. Has she already achieved Coast FI without realizing it? And should she keep her current house or sell it to accelerate her path to financial independence?  Kristel opens up about her journey [&#8230;]]]></description>
	<itunes:subtitle><![CDATA[In this episode of the BiggerPockets Money Podcast, hosts Mindy Jensen and Scott Trench tackle two pivotal financial decisions with their guest, Kristel. Has she already achieved Coast FI without realizing it? And should she keep her current house or sel]]></itunes:subtitle>
	<content:encoded><![CDATA[In this episode of the BiggerPockets Money Podcast, hosts Mindy Jensen and Scott Trench tackle two pivotal financial decisions with their guest, Kristel. Has she already achieved Coast FI without realizing it? And should she keep her current house or sell it to accelerate her path to financial independence?  Kristel opens up about her journey [&#8230;]]]></content:encoded>
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	<itunes:summary><![CDATA[In this episode of the BiggerPockets Money Podcast, hosts Mindy Jensen and Scott Trench tackle two pivotal financial decisions with their guest, Kristel. Has she already achieved Coast FI without realizing it? And should she keep her current house or sell it to accelerate her path to financial independence?  Kristel opens up about her journey [&#8230;]]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
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	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[In this episode of the BiggerPockets Money Podcast, hosts Mindy Jensen and Scott Trench tackle two pivotal financial decisions with their guest, Kristel. Has she already achieved Coast FI without realizing it? And should she keep her current house or sell it to accelerate her path to financial independence?  Kristel opens up about her journey [&#8230;]]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>Net Worth By Age In 2025 (Are You Above Average?)</title>
	<link>https://biggerpocketsmoney.com/podcast/net-worth-by-age-in-2025-are-you-above-average/</link>
	<pubDate>Tue, 07 Oct 2025 11:30:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
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	<description><![CDATA[Let&#8217;s talk about the average net worth by every age, and how to make sure you save and invest enough money to stay on track. In this episode of the BiggerPockets Money podcast, Mindy Jensen and Scott Trench break down actual data to reveal the net worth benchmarks for the median, top 10%, top 5%, [&#8230;]]]></description>
	<itunes:subtitle><![CDATA[Let&#8217;s talk about the average net worth by every age, and how to make sure you save and invest enough money to stay on track. In this episode of the BiggerPockets Money podcast, Mindy Jensen and Scott Trench break down actual data to reveal the net ]]></itunes:subtitle>
	<content:encoded><![CDATA[Let&#8217;s talk about the average net worth by every age, and how to make sure you save and invest enough money to stay on track. In this episode of the BiggerPockets Money podcast, Mindy Jensen and Scott Trench break down actual data to reveal the net worth benchmarks for the median, top 10%, top 5%, [&#8230;]]]></content:encoded>
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	<itunes:summary><![CDATA[Let&#8217;s talk about the average net worth by every age, and how to make sure you save and invest enough money to stay on track. In this episode of the BiggerPockets Money podcast, Mindy Jensen and Scott Trench break down actual data to reveal the net worth benchmarks for the median, top 10%, top 5%, [&#8230;]]]></itunes:summary>
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	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[Let&#8217;s talk about the average net worth by every age, and how to make sure you save and invest enough money to stay on track. In this episode of the BiggerPockets Money podcast, Mindy Jensen and Scott Trench break down actual data to reveal the net worth benchmarks for the median, top 10%, top 5%, [&#8230;]]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>Should You Keep or Sell Your House? (Best Choice for FIRE)</title>
	<link>https://biggerpocketsmoney.com/podcast/should-you-keep-or-sell-your-house-best-choice-for-fire/</link>
	<pubDate>Fri, 03 Oct 2025 11:05:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">f35499c8-8cb9-11ef-a0e1-d325ad8cb938</guid>
	<description><![CDATA[Should you sell your house right now or turn it into a rental property? In this episode of the BiggerPockets Money podcast, hosts Mindy Jensen and Scott Trench dive deep into one of the biggest financial decisions you&#8217;ll ever make with their guest Sean. He is sitting on serious equity but isn&#8217;t sure what his [&#8230;]]]></description>
	<itunes:subtitle><![CDATA[Should you sell your house right now or turn it into a rental property? In this episode of the BiggerPockets Money podcast, hosts Mindy Jensen and Scott Trench dive deep into one of the biggest financial decisions you&#8217;ll ever make with their guest ]]></itunes:subtitle>
	<content:encoded><![CDATA[Should you sell your house right now or turn it into a rental property? In this episode of the BiggerPockets Money podcast, hosts Mindy Jensen and Scott Trench dive deep into one of the biggest financial decisions you&#8217;ll ever make with their guest Sean. He is sitting on serious equity but isn&#8217;t sure what his [&#8230;]]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC5666248370.mp3" length="67978942" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[Should you sell your house right now or turn it into a rental property? In this episode of the BiggerPockets Money podcast, hosts Mindy Jensen and Scott Trench dive deep into one of the biggest financial decisions you&#8217;ll ever make with their guest Sean. He is sitting on serious equity but isn&#8217;t sure what his [&#8230;]]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[Should you sell your house right now or turn it into a rental property? In this episode of the BiggerPockets Money podcast, hosts Mindy Jensen and Scott Trench dive deep into one of the biggest financial decisions you&#8217;ll ever make with their guest Sean. He is sitting on serious equity but isn&#8217;t sure what his [&#8230;]]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>FI at 44 AFTER Taking a Year Off at 31</title>
	<link>https://biggerpocketsmoney.com/podcast/fi-at-44-after-taking-a-year-off-at-31/</link>
	<pubDate>Tue, 30 Sep 2025 11:05:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">f16ccfa4-8cb9-11ef-a0e1-3f05103eecee</guid>
	<description><![CDATA[What if you could take a year off at 31 and still retire early? Alex Morales, also known as Girl Chasing Wealth, is doing exactly that. In this BiggerPockets Money episode, she sits down with Mindy Jensen and Scott Trench to reveal how she&#8217;s funding a year-long sabbatical while staying on track to achieve financial [&#8230;]]]></description>
	<itunes:subtitle><![CDATA[What if you could take a year off at 31 and still retire early? Alex Morales, also known as Girl Chasing Wealth, is doing exactly that. In this BiggerPockets Money episode, she sits down with Mindy Jensen and Scott Trench to reveal how she&#8217;s fundin]]></itunes:subtitle>
	<content:encoded><![CDATA[What if you could take a year off at 31 and still retire early? Alex Morales, also known as Girl Chasing Wealth, is doing exactly that. In this BiggerPockets Money episode, she sits down with Mindy Jensen and Scott Trench to reveal how she&#8217;s funding a year-long sabbatical while staying on track to achieve financial [&#8230;]]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC9969475674.mp3" length="61102964" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[What if you could take a year off at 31 and still retire early? Alex Morales, also known as Girl Chasing Wealth, is doing exactly that. In this BiggerPockets Money episode, she sits down with Mindy Jensen and Scott Trench to reveal how she&#8217;s funding a year-long sabbatical while staying on track to achieve financial [&#8230;]]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[What if you could take a year off at 31 and still retire early? Alex Morales, also known as Girl Chasing Wealth, is doing exactly that. In this BiggerPockets Money episode, she sits down with Mindy Jensen and Scott Trench to reveal how she&#8217;s funding a year-long sabbatical while staying on track to achieve financial [&#8230;]]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>The Four Fundamentals of Retirement Drawdown</title>
	<link>https://biggerpocketsmoney.com/podcast/the-four-fundamentals-of-retirement-drawdown/</link>
	<pubDate>Fri, 26 Sep 2025 11:05:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">f247395a-8cb9-11ef-a0e1-970aed9e284e</guid>
	<description><![CDATA[Join Mindy Jensen and Scott Trench on the BiggerPockets Money Podcast as they welcome retirement tax experts Sean Mullaney, The FI Tax Guy, and Cody Garrett, a certified financial planner, to break down their game-changing retirement drawdown order of operations. This isn&#8217;t your typical retirement advice &#8211; it&#8217;s a strategic blueprint that could save early [&#8230;]]]></description>
	<itunes:subtitle><![CDATA[Join Mindy Jensen and Scott Trench on the BiggerPockets Money Podcast as they welcome retirement tax experts Sean Mullaney, The FI Tax Guy, and Cody Garrett, a certified financial planner, to break down their game-changing retirement drawdown order of op]]></itunes:subtitle>
	<content:encoded><![CDATA[Join Mindy Jensen and Scott Trench on the BiggerPockets Money Podcast as they welcome retirement tax experts Sean Mullaney, The FI Tax Guy, and Cody Garrett, a certified financial planner, to break down their game-changing retirement drawdown order of operations. This isn&#8217;t your typical retirement advice &#8211; it&#8217;s a strategic blueprint that could save early [&#8230;]]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC6443400638.mp3" length="91532007" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[Join Mindy Jensen and Scott Trench on the BiggerPockets Money Podcast as they welcome retirement tax experts Sean Mullaney, The FI Tax Guy, and Cody Garrett, a certified financial planner, to break down their game-changing retirement drawdown order of operations. This isn&#8217;t your typical retirement advice &#8211; it&#8217;s a strategic blueprint that could save early [&#8230;]]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[Join Mindy Jensen and Scott Trench on the BiggerPockets Money Podcast as they welcome retirement tax experts Sean Mullaney, The FI Tax Guy, and Cody Garrett, a certified financial planner, to break down their game-changing retirement drawdown order of operations. This isn&#8217;t your typical retirement advice &#8211; it&#8217;s a strategic blueprint that could save early [&#8230;]]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>Why Early Retirement Means Paying Less in Taxes</title>
	<link>https://biggerpocketsmoney.com/podcast/why-early-retirement-means-paying-less-in-taxes/</link>
	<pubDate>Tue, 23 Sep 2025 11:05:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">f13709d2-8cb9-11ef-a0e1-0fb234de43e5</guid>
	<description><![CDATA[In this episode of the BiggerPockets Money Podcast, hosts Mindy Jensen and Scott Trench are joined by tax experts Sean Mullaney and Cody Garrett to reveal how early retirement can actually be your smartest tax strategy. The conversation immediately tackles one of the biggest misconceptions holding people back from FIRE &#8211; the fear that retiring [&#8230;]]]></description>
	<itunes:subtitle><![CDATA[In this episode of the BiggerPockets Money Podcast, hosts Mindy Jensen and Scott Trench are joined by tax experts Sean Mullaney and Cody Garrett to reveal how early retirement can actually be your smartest tax strategy. The conversation immediately tackl]]></itunes:subtitle>
	<content:encoded><![CDATA[In this episode of the BiggerPockets Money Podcast, hosts Mindy Jensen and Scott Trench are joined by tax experts Sean Mullaney and Cody Garrett to reveal how early retirement can actually be your smartest tax strategy. The conversation immediately tackles one of the biggest misconceptions holding people back from FIRE &#8211; the fear that retiring [&#8230;]]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC3263974233.mp3" length="78120117" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[In this episode of the BiggerPockets Money Podcast, hosts Mindy Jensen and Scott Trench are joined by tax experts Sean Mullaney and Cody Garrett to reveal how early retirement can actually be your smartest tax strategy. The conversation immediately tackles one of the biggest misconceptions holding people back from FIRE &#8211; the fear that retiring [&#8230;]]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[In this episode of the BiggerPockets Money Podcast, hosts Mindy Jensen and Scott Trench are joined by tax experts Sean Mullaney and Cody Garrett to reveal how early retirement can actually be your smartest tax strategy. The conversation immediately tackles one of the biggest misconceptions holding people back from FIRE &#8211; the fear that retiring [&#8230;]]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>Which FIRE Strategy is Best for You? (Lean to Fat FIRE)</title>
	<link>https://biggerpocketsmoney.com/podcast/which-fire-strategy-is-best-for-you-lean-to-fat-fire/</link>
	<pubDate>Fri, 19 Sep 2025 11:05:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">f210ed00-8cb9-11ef-a0e1-9721e0b3612f</guid>
	<description><![CDATA[Join Mindy Jensen and Scott Trench on this episode of the BiggerPockets Money Podcast as they dive into the different types of FIRE. Financial Independence, Retire Early isn&#8217;t a one-size-fits-all approach &#8211; it&#8217;s evolved into multiple distinct paths, each designed to meet different lifestyles, risk tolerances, and financial goals. This comprehensive exploration will help you [&#8230;]]]></description>
	<itunes:subtitle><![CDATA[Join Mindy Jensen and Scott Trench on this episode of the BiggerPockets Money Podcast as they dive into the different types of FIRE. Financial Independence, Retire Early isn&#8217;t a one-size-fits-all approach &#8211; it&#8217;s evolved into multiple di]]></itunes:subtitle>
	<content:encoded><![CDATA[Join Mindy Jensen and Scott Trench on this episode of the BiggerPockets Money Podcast as they dive into the different types of FIRE. Financial Independence, Retire Early isn&#8217;t a one-size-fits-all approach &#8211; it&#8217;s evolved into multiple distinct paths, each designed to meet different lifestyles, risk tolerances, and financial goals. This comprehensive exploration will help you [&#8230;]]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC8975074966.mp3" length="54444910" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[Join Mindy Jensen and Scott Trench on this episode of the BiggerPockets Money Podcast as they dive into the different types of FIRE. Financial Independence, Retire Early isn&#8217;t a one-size-fits-all approach &#8211; it&#8217;s evolved into multiple distinct paths, each designed to meet different lifestyles, risk tolerances, and financial goals. This comprehensive exploration will help you [&#8230;]]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[Join Mindy Jensen and Scott Trench on this episode of the BiggerPockets Money Podcast as they dive into the different types of FIRE. Financial Independence, Retire Early isn&#8217;t a one-size-fits-all approach &#8211; it&#8217;s evolved into multiple distinct paths, each designed to meet different lifestyles, risk tolerances, and financial goals. This comprehensive exploration will help you [&#8230;]]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>FI Faster by Making More and Spending Less Using &#8220;Geo-Arbitrage&#8221;</title>
	<link>https://biggerpocketsmoney.com/podcast/fi-faster-by-making-more-and-spending-less-using-geo-arbitrage/</link>
	<pubDate>Tue, 16 Sep 2025 11:05:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">f100b62a-8cb9-11ef-a0e1-1bb1b975111c</guid>
	<description><![CDATA[Discover how geo-arbitrage can double your investing power without requiring a raise, career change, or lottery win! In this episode of the BiggerPockets Money Podcast, Mindy Jensen and Scott Trench are joined by Daniel Mills to explore how remote workers can live lavishly on a middle-class salary by strategically leveraging location differences. This isn&#8217;t just [&#8230;]]]></description>
	<itunes:subtitle><![CDATA[Discover how geo-arbitrage can double your investing power without requiring a raise, career change, or lottery win! In this episode of the BiggerPockets Money Podcast, Mindy Jensen and Scott Trench are joined by Daniel Mills to explore how remote worker]]></itunes:subtitle>
	<content:encoded><![CDATA[Discover how geo-arbitrage can double your investing power without requiring a raise, career change, or lottery win! In this episode of the BiggerPockets Money Podcast, Mindy Jensen and Scott Trench are joined by Daniel Mills to explore how remote workers can live lavishly on a middle-class salary by strategically leveraging location differences. This isn&#8217;t just [&#8230;]]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC8305663098.mp3" length="72687185" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[Discover how geo-arbitrage can double your investing power without requiring a raise, career change, or lottery win! In this episode of the BiggerPockets Money Podcast, Mindy Jensen and Scott Trench are joined by Daniel Mills to explore how remote workers can live lavishly on a middle-class salary by strategically leveraging location differences. This isn&#8217;t just [&#8230;]]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[Discover how geo-arbitrage can double your investing power without requiring a raise, career change, or lottery win! In this episode of the BiggerPockets Money Podcast, Mindy Jensen and Scott Trench are joined by Daniel Mills to explore how remote workers can live lavishly on a middle-class salary by strategically leveraging location differences. This isn&#8217;t just [&#8230;]]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>How to Save 50% of Your Income Without Sacrificing Your Lifestyle</title>
	<link>https://biggerpocketsmoney.com/podcast/how-to-save-50-of-your-income-without-sacrificing-your-lifestyle/</link>
	<pubDate>Fri, 12 Sep 2025 11:05:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">f1d95d90-8cb9-11ef-a0e1-33f6d1d0bcd0</guid>
	<description><![CDATA[What if we told you that your path to financial independence isn&#8217;t about picking the perfect stocks, timing the market, or earning a massive salary? In this revealing episode of BiggerPockets Money, hosts Mindy Jensen and Scott Trench cut through all the noise to focus on what actually matters: your savings rate. This isn&#8217;t just [&#8230;]]]></description>
	<itunes:subtitle><![CDATA[What if we told you that your path to financial independence isn&#8217;t about picking the perfect stocks, timing the market, or earning a massive salary? In this revealing episode of BiggerPockets Money, hosts Mindy Jensen and Scott Trench cut through a]]></itunes:subtitle>
	<content:encoded><![CDATA[What if we told you that your path to financial independence isn&#8217;t about picking the perfect stocks, timing the market, or earning a massive salary? In this revealing episode of BiggerPockets Money, hosts Mindy Jensen and Scott Trench cut through all the noise to focus on what actually matters: your savings rate. This isn&#8217;t just [&#8230;]]]></content:encoded>
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	<itunes:summary><![CDATA[What if we told you that your path to financial independence isn&#8217;t about picking the perfect stocks, timing the market, or earning a massive salary? In this revealing episode of BiggerPockets Money, hosts Mindy Jensen and Scott Trench cut through all the noise to focus on what actually matters: your savings rate. This isn&#8217;t just [&#8230;]]]></itunes:summary>
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	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>Mr. Money Mustache’s Simple Secret to Retiring Early in Your 30s</title>
	<link>https://biggerpocketsmoney.com/podcast/mr-money-mustaches-simple-secret-to-retiring-early-in-your-30s/</link>
	<pubDate>Tue, 09 Sep 2025 11:05:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
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	<description><![CDATA[Pete Adeney, aka Mr. Money Mustache, joins BiggerPockets Money hosts Mindy Jensen and Scott Trench to break down the shockingly simple math behind early retirement. The man who started the FIRE movement and retired at 30 reveals why most people are overcomplicating financial independence—and why your savings rate is literally the only number that determines [&#8230;]]]></description>
	<itunes:subtitle><![CDATA[Pete Adeney, aka Mr. Money Mustache, joins BiggerPockets Money hosts Mindy Jensen and Scott Trench to break down the shockingly simple math behind early retirement. The man who started the FIRE movement and retired at 30 reveals why most people are overc]]></itunes:subtitle>
	<content:encoded><![CDATA[Pete Adeney, aka Mr. Money Mustache, joins BiggerPockets Money hosts Mindy Jensen and Scott Trench to break down the shockingly simple math behind early retirement. The man who started the FIRE movement and retired at 30 reveals why most people are overcomplicating financial independence—and why your savings rate is literally the only number that determines [&#8230;]]]></content:encoded>
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	<itunes:summary><![CDATA[Pete Adeney, aka Mr. Money Mustache, joins BiggerPockets Money hosts Mindy Jensen and Scott Trench to break down the shockingly simple math behind early retirement. The man who started the FIRE movement and retired at 30 reveals why most people are overcomplicating financial independence—and why your savings rate is literally the only number that determines [&#8230;]]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[Pete Adeney, aka Mr. Money Mustache, joins BiggerPockets Money hosts Mindy Jensen and Scott Trench to break down the shockingly simple math behind early retirement. The man who started the FIRE movement and retired at 30 reveals why most people are overcomplicating financial independence—and why your savings rate is literally the only number that determines [&#8230;]]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>How to Make Your FIRE Portfolio Even MORE Passive (Finance Friday)</title>
	<link>https://biggerpocketsmoney.com/podcast/how-to-make-your-fire-portfolio-even-more-passive-finance-friday/</link>
	<pubDate>Fri, 05 Sep 2025 11:05:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">f1a26c90-8cb9-11ef-a0e1-ef0abe6ddf3b</guid>
	<description><![CDATA[Today on the BiggerPockets Money Podcast, we&#8217;re diving into an incredible success story. Meet Beau, a retired military professional who built a massive real estate empire and achieved financial independence in his thirties. But here&#8217;s the twist: even with a winning formula, Beau wants his investments to work even HARDER while he works even LESS. [&#8230;]]]></description>
	<itunes:subtitle><![CDATA[Today on the BiggerPockets Money Podcast, we&#8217;re diving into an incredible success story. Meet Beau, a retired military professional who built a massive real estate empire and achieved financial independence in his thirties. But here&#8217;s the twi]]></itunes:subtitle>
	<content:encoded><![CDATA[Today on the BiggerPockets Money Podcast, we&#8217;re diving into an incredible success story. Meet Beau, a retired military professional who built a massive real estate empire and achieved financial independence in his thirties. But here&#8217;s the twist: even with a winning formula, Beau wants his investments to work even HARDER while he works even LESS. [&#8230;]]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC7677851015.mp3" length="97022574" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[Today on the BiggerPockets Money Podcast, we&#8217;re diving into an incredible success story. Meet Beau, a retired military professional who built a massive real estate empire and achieved financial independence in his thirties. But here&#8217;s the twist: even with a winning formula, Beau wants his investments to work even HARDER while he works even LESS. [&#8230;]]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[Today on the BiggerPockets Money Podcast, we&#8217;re diving into an incredible success story. Meet Beau, a retired military professional who built a massive real estate empire and achieved financial independence in his thirties. But here&#8217;s the twist: even with a winning formula, Beau wants his investments to work even HARDER while he works even LESS. [&#8230;]]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>Mindy Tracks Her Net Worth Live w/ Monarch Money</title>
	<link>https://biggerpocketsmoney.com/podcast/mindy-tracks-her-net-worth-live-w-monarch-money/</link>
	<pubDate>Tue, 02 Sep 2025 11:05:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">f092ce44-8cb9-11ef-a0e1-efd0b58a8663</guid>
	<description><![CDATA[Ever wondered how financial experts ACTUALLY manage their own money? Mindy Jensen opens her real financial accounts LIVE on this episode! In this groundbreaking BiggerPockets Money podcast episode, hosts Mindy Jensen and Scott Trench deliver unprecedented financial transparency. Mindy tracks her personal net worth and finances in real-time using Monarch Money, giving you an authentic [&#8230;]]]></description>
	<itunes:subtitle><![CDATA[Ever wondered how financial experts ACTUALLY manage their own money? Mindy Jensen opens her real financial accounts LIVE on this episode! In this groundbreaking BiggerPockets Money podcast episode, hosts Mindy Jensen and Scott Trench deliver unprecedente]]></itunes:subtitle>
	<content:encoded><![CDATA[Ever wondered how financial experts ACTUALLY manage their own money? Mindy Jensen opens her real financial accounts LIVE on this episode! In this groundbreaking BiggerPockets Money podcast episode, hosts Mindy Jensen and Scott Trench deliver unprecedented financial transparency. Mindy tracks her personal net worth and finances in real-time using Monarch Money, giving you an authentic [&#8230;]]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC1110572181.mp3" length="66542762" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[Ever wondered how financial experts ACTUALLY manage their own money? Mindy Jensen opens her real financial accounts LIVE on this episode! In this groundbreaking BiggerPockets Money podcast episode, hosts Mindy Jensen and Scott Trench deliver unprecedented financial transparency. Mindy tracks her personal net worth and finances in real-time using Monarch Money, giving you an authentic [&#8230;]]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[Ever wondered how financial experts ACTUALLY manage their own money? Mindy Jensen opens her real financial accounts LIVE on this episode! In this groundbreaking BiggerPockets Money podcast episode, hosts Mindy Jensen and Scott Trench deliver unprecedented financial transparency. Mindy tracks her personal net worth and finances in real-time using Monarch Money, giving you an authentic [&#8230;]]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>The Secret to Retiring Early AND Spending More Money</title>
	<link>https://biggerpocketsmoney.com/podcast/the-secret-to-retiring-early-and-spending-more-money/</link>
	<pubDate>Fri, 29 Aug 2025 11:05:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
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	<description><![CDATA[Retire earlier. Spend more. Live better. For most people, these sound like mutually exclusive goals—you can pick one, maybe two, but certainly not all three. Financial planner Aubrey Williams is here to prove that conventional wisdom wrong. Joining BiggerPockets Money hosts Mindy Jensen and Scott Trench, Aubrey introduces his revolutionary guardrails strategy that completely flips [&#8230;]]]></description>
	<itunes:subtitle><![CDATA[Retire earlier. Spend more. Live better. For most people, these sound like mutually exclusive goals—you can pick one, maybe two, but certainly not all three. Financial planner Aubrey Williams is here to prove that conventional wisdom wrong. Joining Bigge]]></itunes:subtitle>
	<content:encoded><![CDATA[Retire earlier. Spend more. Live better. For most people, these sound like mutually exclusive goals—you can pick one, maybe two, but certainly not all three. Financial planner Aubrey Williams is here to prove that conventional wisdom wrong. Joining BiggerPockets Money hosts Mindy Jensen and Scott Trench, Aubrey introduces his revolutionary guardrails strategy that completely flips [&#8230;]]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC8154573557.mp3" length="89343991" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[Retire earlier. Spend more. Live better. For most people, these sound like mutually exclusive goals—you can pick one, maybe two, but certainly not all three. Financial planner Aubrey Williams is here to prove that conventional wisdom wrong. Joining BiggerPockets Money hosts Mindy Jensen and Scott Trench, Aubrey introduces his revolutionary guardrails strategy that completely flips [&#8230;]]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[Retire earlier. Spend more. Live better. For most people, these sound like mutually exclusive goals—you can pick one, maybe two, but certainly not all three. Financial planner Aubrey Williams is here to prove that conventional wisdom wrong. Joining BiggerPockets Money hosts Mindy Jensen and Scott Trench, Aubrey introduces his revolutionary guardrails strategy that completely flips [&#8230;]]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>From $90K in Debt to Coast FIRE at 45</title>
	<link>https://biggerpocketsmoney.com/podcast/from-90k-in-debt-to-coast-fire-at-45/</link>
	<pubDate>Tue, 26 Aug 2025 11:05:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">f05c58dc-8cb9-11ef-a0e1-cf321e224d86</guid>
	<description><![CDATA[Fear that early retirement is out of the question because you have too much debt? It&#8217;s not game over. Whether you&#8217;re debt-free or still chipping away at your student loans, today&#8217;s guest is proof that FIRE is never too far out of reach—even when life throws you a curveball that leaves you with $90,000 in [&#8230;]]]></description>
	<itunes:subtitle><![CDATA[Fear that early retirement is out of the question because you have too much debt? It&#8217;s not game over. Whether you&#8217;re debt-free or still chipping away at your student loans, today&#8217;s guest is proof that FIRE is never too far out of reach—]]></itunes:subtitle>
	<content:encoded><![CDATA[Fear that early retirement is out of the question because you have too much debt? It&#8217;s not game over. Whether you&#8217;re debt-free or still chipping away at your student loans, today&#8217;s guest is proof that FIRE is never too far out of reach—even when life throws you a curveball that leaves you with $90,000 in [&#8230;]]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC3704484354.mp3" length="80125603" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[Fear that early retirement is out of the question because you have too much debt? It&#8217;s not game over. Whether you&#8217;re debt-free or still chipping away at your student loans, today&#8217;s guest is proof that FIRE is never too far out of reach—even when life throws you a curveball that leaves you with $90,000 in [&#8230;]]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[Fear that early retirement is out of the question because you have too much debt? It&#8217;s not game over. Whether you&#8217;re debt-free or still chipping away at your student loans, today&#8217;s guest is proof that FIRE is never too far out of reach—even when life throws you a curveball that leaves you with $90,000 in [&#8230;]]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>The Case for Picking Stocks w/ Co-Founder of The Motley Fool</title>
	<link>https://biggerpocketsmoney.com/podcast/the-case-for-picking-stocks-w-co-founder-of-the-motley-fool/</link>
	<pubDate>Fri, 22 Aug 2025 11:05:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">efb8c974-8cb9-11ef-a0e1-3bd142df3b96</guid>
	<description><![CDATA[Do you think you can&#8217;t beat the market? David Gardner, co-founder of The Motley Fool, joins the BiggerPockets Money podcast to shatter this limiting belief and reveal why stock picking can supercharge your wealth-building strategy alongside index fund investing. Despite conventional wisdom warning against individual stock selection, Gardner exposes his proven approach to identifying winning stocks [&#8230;]]]></description>
	<itunes:subtitle><![CDATA[Do you think you can&#8217;t beat the market? David Gardner, co-founder of The Motley Fool, joins the BiggerPockets Money podcast to shatter this limiting belief and reveal why stock picking can supercharge your wealth-building strategy alongside index f]]></itunes:subtitle>
	<content:encoded><![CDATA[Do you think you can&#8217;t beat the market? David Gardner, co-founder of The Motley Fool, joins the BiggerPockets Money podcast to shatter this limiting belief and reveal why stock picking can supercharge your wealth-building strategy alongside index fund investing. Despite conventional wisdom warning against individual stock selection, Gardner exposes his proven approach to identifying winning stocks [&#8230;]]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC5138550781.mp3" length="85368470" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[Do you think you can&#8217;t beat the market? David Gardner, co-founder of The Motley Fool, joins the BiggerPockets Money podcast to shatter this limiting belief and reveal why stock picking can supercharge your wealth-building strategy alongside index fund investing. Despite conventional wisdom warning against individual stock selection, Gardner exposes his proven approach to identifying winning stocks [&#8230;]]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[Do you think you can&#8217;t beat the market? David Gardner, co-founder of The Motley Fool, joins the BiggerPockets Money podcast to shatter this limiting belief and reveal why stock picking can supercharge your wealth-building strategy alongside index fund investing. Despite conventional wisdom warning against individual stock selection, Gardner exposes his proven approach to identifying winning stocks [&#8230;]]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>How to Go From Broke at 50 to Retired at 60!</title>
	<link>https://biggerpocketsmoney.com/podcast/how-to-go-from-broke-at-50-to-retired-at-60/</link>
	<pubDate>Tue, 19 Aug 2025 11:05:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">f0251df4-8cb9-11ef-a0e1-4bebff3ffd7e</guid>
	<description><![CDATA[Are you worried you won&#8217;t be able to retire at sixty-five? Feeling financially limited in your fifties and need a retirement plan so you can finally stop working? Well, we made this episode of the BiggerPockets Money podcast just for you. Today, Mindy and Scott are joined by experts Jackie Cummings Koski and Bill Yount [&#8230;]]]></description>
	<itunes:subtitle><![CDATA[Are you worried you won&#8217;t be able to retire at sixty-five? Feeling financially limited in your fifties and need a retirement plan so you can finally stop working? Well, we made this episode of the BiggerPockets Money podcast just for you. Today, Mi]]></itunes:subtitle>
	<content:encoded><![CDATA[Are you worried you won&#8217;t be able to retire at sixty-five? Feeling financially limited in your fifties and need a retirement plan so you can finally stop working? Well, we made this episode of the BiggerPockets Money podcast just for you. Today, Mindy and Scott are joined by experts Jackie Cummings Koski and Bill Yount [&#8230;]]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC1544895591.mp3" length="105897950" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[Are you worried you won&#8217;t be able to retire at sixty-five? Feeling financially limited in your fifties and need a retirement plan so you can finally stop working? Well, we made this episode of the BiggerPockets Money podcast just for you. Today, Mindy and Scott are joined by experts Jackie Cummings Koski and Bill Yount [&#8230;]]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[Are you worried you won&#8217;t be able to retire at sixty-five? Feeling financially limited in your fifties and need a retirement plan so you can finally stop working? Well, we made this episode of the BiggerPockets Money podcast just for you. Today, Mindy and Scott are joined by experts Jackie Cummings Koski and Bill Yount [&#8230;]]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>Investor Retires in 6 Years ($120K/Year) by Doing This</title>
	<link>https://biggerpocketsmoney.com/podcast/investor-retires-in-6-years-120k-year-by-doing-this/</link>
	<pubDate>Fri, 15 Aug 2025 11:05:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">ef81ede6-8cb9-11ef-a0e1-7f72b6218a10</guid>
	<description><![CDATA[On this episode of the BiggerPockets Money podcast Mindy and Scott are joined by Beau Webb. Beau went from flying Blackhawk helicopters in the Army to achieving financial independence in his 30s through a diversified investment strategy that goes way beyond basic index funds. Beau built wealth through real estate, and savvy use of military [&#8230;]]]></description>
	<itunes:subtitle><![CDATA[On this episode of the BiggerPockets Money podcast Mindy and Scott are joined by Beau Webb. Beau went from flying Blackhawk helicopters in the Army to achieving financial independence in his 30s through a diversified investment strategy that goes way bey]]></itunes:subtitle>
	<content:encoded><![CDATA[On this episode of the BiggerPockets Money podcast Mindy and Scott are joined by Beau Webb. Beau went from flying Blackhawk helicopters in the Army to achieving financial independence in his 30s through a diversified investment strategy that goes way beyond basic index funds. Beau built wealth through real estate, and savvy use of military [&#8230;]]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC3163521892.mp3" length="72978714" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[On this episode of the BiggerPockets Money podcast Mindy and Scott are joined by Beau Webb. Beau went from flying Blackhawk helicopters in the Army to achieving financial independence in his 30s through a diversified investment strategy that goes way beyond basic index funds. Beau built wealth through real estate, and savvy use of military [&#8230;]]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[On this episode of the BiggerPockets Money podcast Mindy and Scott are joined by Beau Webb. Beau went from flying Blackhawk helicopters in the Army to achieving financial independence in his 30s through a diversified investment strategy that goes way beyond basic index funds. Beau built wealth through real estate, and savvy use of military [&#8230;]]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>How to Build a Business That’ll Replace Your 9-5 &#124; Hala Taha</title>
	<link>https://biggerpocketsmoney.com/podcast/how-to-build-a-business-thatll-replace-your-9-5-hala-taha/</link>
	<pubDate>Tue, 12 Aug 2025 11:05:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">ef1155e0-8cb9-11ef-a0e1-e3968a42bebd</guid>
	<description><![CDATA[What does it take to transform from a $27,000-a-year employee into an eight-figure entrepreneur? Hala Taha, founder of YAP Media, joins Mindy Jensen and Scott Trench on the BiggerPockets Money podcast to reveal the mindset shifts, strategic decisions, and hard-won lessons that built her media empire. This isn&#8217;t just another success story – it&#8217;s a [&#8230;]]]></description>
	<itunes:subtitle><![CDATA[What does it take to transform from a $27,000-a-year employee into an eight-figure entrepreneur? Hala Taha, founder of YAP Media, joins Mindy Jensen and Scott Trench on the BiggerPockets Money podcast to reveal the mindset shifts, strategic decisions, an]]></itunes:subtitle>
	<content:encoded><![CDATA[What does it take to transform from a $27,000-a-year employee into an eight-figure entrepreneur? Hala Taha, founder of YAP Media, joins Mindy Jensen and Scott Trench on the BiggerPockets Money podcast to reveal the mindset shifts, strategic decisions, and hard-won lessons that built her media empire. This isn&#8217;t just another success story – it&#8217;s a [&#8230;]]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC7993370620.mp3" length="71775226" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[What does it take to transform from a $27,000-a-year employee into an eight-figure entrepreneur? Hala Taha, founder of YAP Media, joins Mindy Jensen and Scott Trench on the BiggerPockets Money podcast to reveal the mindset shifts, strategic decisions, and hard-won lessons that built her media empire. This isn&#8217;t just another success story – it&#8217;s a [&#8230;]]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[What does it take to transform from a $27,000-a-year employee into an eight-figure entrepreneur? Hala Taha, founder of YAP Media, joins Mindy Jensen and Scott Trench on the BiggerPockets Money podcast to reveal the mindset shifts, strategic decisions, and hard-won lessons that built her media empire. This isn&#8217;t just another success story – it&#8217;s a [&#8230;]]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>How Regular People Can Achieve Coast FI in Their 30s</title>
	<link>https://biggerpocketsmoney.com/podcast/how-regular-people-can-achieve-coast-fi-in-their-30s/</link>
	<pubDate>Fri, 08 Aug 2025 11:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
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	<description><![CDATA[Coast FI is a fascinating concept that&#8217;s gaining traction in the financial independence community. And no, to Mindy&#8217;s disappointment, it doesn&#8217;t involve having enough money to live beachside (though the lifestyle can be just as relaxing). Unlike the extreme FIRE approach that dominates personal finance blogs—where you&#8217;re told to save every penny, never eat out, [&#8230;]]]></description>
	<itunes:subtitle><![CDATA[Coast FI is a fascinating concept that&#8217;s gaining traction in the financial independence community. And no, to Mindy&#8217;s disappointment, it doesn&#8217;t involve having enough money to live beachside (though the lifestyle can be just as relaxing]]></itunes:subtitle>
	<content:encoded><![CDATA[Coast FI is a fascinating concept that&#8217;s gaining traction in the financial independence community. And no, to Mindy&#8217;s disappointment, it doesn&#8217;t involve having enough money to live beachside (though the lifestyle can be just as relaxing). Unlike the extreme FIRE approach that dominates personal finance blogs—where you&#8217;re told to save every penny, never eat out, [&#8230;]]]></content:encoded>
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	<itunes:summary><![CDATA[Coast FI is a fascinating concept that&#8217;s gaining traction in the financial independence community. And no, to Mindy&#8217;s disappointment, it doesn&#8217;t involve having enough money to live beachside (though the lifestyle can be just as relaxing). Unlike the extreme FIRE approach that dominates personal finance blogs—where you&#8217;re told to save every penny, never eat out, [&#8230;]]]></itunes:summary>
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	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[Coast FI is a fascinating concept that&#8217;s gaining traction in the financial independence community. And no, to Mindy&#8217;s disappointment, it doesn&#8217;t involve having enough money to live beachside (though the lifestyle can be just as relaxing). Unlike the extreme FIRE approach that dominates personal finance blogs—where you&#8217;re told to save every penny, never eat out, [&#8230;]]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>How to Reach Coast FIRE (The Relaxed Way to Retire!)</title>
	<link>https://biggerpocketsmoney.com/podcast/how-to-reach-coast-fire-the-relaxed-way-to-retire-2/</link>
	<pubDate>Tue, 05 Aug 2025 11:05:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
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	<description><![CDATA[Tired of the extreme saving grind? What if there was a way to front-load your retirement savings and then &#8220;coast&#8221; to financial independence without the stress? In this episode of the BiggerPockets Money Podcast, hosts Mindy Jensen and Scott Trench break down Coast FI &#8211; the strategy that lets you stop aggressive saving in your [&#8230;]]]></description>
	<itunes:subtitle><![CDATA[Tired of the extreme saving grind? What if there was a way to front-load your retirement savings and then &#8220;coast&#8221; to financial independence without the stress? In this episode of the BiggerPockets Money Podcast, hosts Mindy Jensen and Scott T]]></itunes:subtitle>
	<content:encoded><![CDATA[Tired of the extreme saving grind? What if there was a way to front-load your retirement savings and then &#8220;coast&#8221; to financial independence without the stress? In this episode of the BiggerPockets Money Podcast, hosts Mindy Jensen and Scott Trench break down Coast FI &#8211; the strategy that lets you stop aggressive saving in your [&#8230;]]]></content:encoded>
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	<itunes:summary><![CDATA[Tired of the extreme saving grind? What if there was a way to front-load your retirement savings and then &#8220;coast&#8221; to financial independence without the stress? In this episode of the BiggerPockets Money Podcast, hosts Mindy Jensen and Scott Trench break down Coast FI &#8211; the strategy that lets you stop aggressive saving in your [&#8230;]]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[Tired of the extreme saving grind? What if there was a way to front-load your retirement savings and then &#8220;coast&#8221; to financial independence without the stress? In this episode of the BiggerPockets Money Podcast, hosts Mindy Jensen and Scott Trench break down Coast FI &#8211; the strategy that lets you stop aggressive saving in your [&#8230;]]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>How “Regular” People Can Achieve FIRE (Early Retirement) by 40!</title>
	<link>https://biggerpocketsmoney.com/podcast/how-regular-people-can-achieve-fire-early-retirement-by-40/</link>
	<pubDate>Fri, 01 Aug 2025 11:05:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">eedb33de-8cb9-11ef-a0e1-5355224a6593</guid>
	<description><![CDATA[Join hosts Mindy Jensen and Scott Trench as they sit down with Cody Garrett, a former musician turned financial planner who discovered the FIRE movement seven years ago and is now just four years away from achieving financial independence by age 40. Cody&#8217;s unique dual perspective—as both someone actively pursuing FIRE and a professional helping [&#8230;]]]></description>
	<itunes:subtitle><![CDATA[Join hosts Mindy Jensen and Scott Trench as they sit down with Cody Garrett, a former musician turned financial planner who discovered the FIRE movement seven years ago and is now just four years away from achieving financial independence by age 40. Cody]]></itunes:subtitle>
	<content:encoded><![CDATA[Join hosts Mindy Jensen and Scott Trench as they sit down with Cody Garrett, a former musician turned financial planner who discovered the FIRE movement seven years ago and is now just four years away from achieving financial independence by age 40. Cody&#8217;s unique dual perspective—as both someone actively pursuing FIRE and a professional helping [&#8230;]]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC6518414690.mp3" length="77068377" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[Join hosts Mindy Jensen and Scott Trench as they sit down with Cody Garrett, a former musician turned financial planner who discovered the FIRE movement seven years ago and is now just four years away from achieving financial independence by age 40. Cody&#8217;s unique dual perspective—as both someone actively pursuing FIRE and a professional helping [&#8230;]]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[Join hosts Mindy Jensen and Scott Trench as they sit down with Cody Garrett, a former musician turned financial planner who discovered the FIRE movement seven years ago and is now just four years away from achieving financial independence by age 40. Cody&#8217;s unique dual perspective—as both someone actively pursuing FIRE and a professional helping [&#8230;]]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>Are We Heading Into a Recession? J Scott Breaks It Down</title>
	<link>https://biggerpocketsmoney.com/podcast/are-we-heading-into-a-recession-j-scott-breaks-it-down/</link>
	<pubDate>Tue, 29 Jul 2025 11:05:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">ee6f8bde-8cb9-11ef-a0e1-8f9525daca5c</guid>
	<description><![CDATA[In this episode of the BiggerPockets Money podcast, hosts Mindy Jensen and Scott Trench are joined by real estate expert J Scott to break down the mixed signals dominating today&#8217;s economic landscape. Are we or we not heading into a recession? They discuss what&#8217;s really happening with GDP growth, consumer spending patterns, and the evolving [&#8230;]]]></description>
	<itunes:subtitle><![CDATA[In this episode of the BiggerPockets Money podcast, hosts Mindy Jensen and Scott Trench are joined by real estate expert J Scott to break down the mixed signals dominating today&#8217;s economic landscape. Are we or we not heading into a recession? They ]]></itunes:subtitle>
	<content:encoded><![CDATA[In this episode of the BiggerPockets Money podcast, hosts Mindy Jensen and Scott Trench are joined by real estate expert J Scott to break down the mixed signals dominating today&#8217;s economic landscape. Are we or we not heading into a recession? They discuss what&#8217;s really happening with GDP growth, consumer spending patterns, and the evolving [&#8230;]]]></content:encoded>
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	<itunes:summary><![CDATA[In this episode of the BiggerPockets Money podcast, hosts Mindy Jensen and Scott Trench are joined by real estate expert J Scott to break down the mixed signals dominating today&#8217;s economic landscape. Are we or we not heading into a recession? They discuss what&#8217;s really happening with GDP growth, consumer spending patterns, and the evolving [&#8230;]]]></itunes:summary>
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	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[In this episode of the BiggerPockets Money podcast, hosts Mindy Jensen and Scott Trench are joined by real estate expert J Scott to break down the mixed signals dominating today&#8217;s economic landscape. Are we or we not heading into a recession? They discuss what&#8217;s really happening with GDP growth, consumer spending patterns, and the evolving [&#8230;]]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>How to Fast Track Your Path to FIRE &#124; The Wealth Ladder</title>
	<link>https://biggerpocketsmoney.com/podcast/how-to-fast-track-your-path-to-fire-the-wealth-ladder/</link>
	<pubDate>Fri, 25 Jul 2025 11:05:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">ee385cea-8cb9-11ef-a0e1-9f060598989f</guid>
	<description><![CDATA[In this insightful episode of the BiggerPockets Money Podcast Mindy Jensen and Scott Trench delve into the practical steps for building wealth with financial writer Nick Maggiulli. They discuss his new book, &#8216;The Wealth Ladder,&#8217; which introduces a six-level wealth ladder for assessing and enhancing one&#8217;s financial strategy. From establishing emergency savings in level one [&#8230;]]]></description>
	<itunes:subtitle><![CDATA[In this insightful episode of the BiggerPockets Money Podcast Mindy Jensen and Scott Trench delve into the practical steps for building wealth with financial writer Nick Maggiulli. They discuss his new book, &#8216;The Wealth Ladder,&#8217; which introdu]]></itunes:subtitle>
	<content:encoded><![CDATA[In this insightful episode of the BiggerPockets Money Podcast Mindy Jensen and Scott Trench delve into the practical steps for building wealth with financial writer Nick Maggiulli. They discuss his new book, &#8216;The Wealth Ladder,&#8217; which introduces a six-level wealth ladder for assessing and enhancing one&#8217;s financial strategy. From establishing emergency savings in level one [&#8230;]]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC9489459605.mp3" length="72268872" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[In this insightful episode of the BiggerPockets Money Podcast Mindy Jensen and Scott Trench delve into the practical steps for building wealth with financial writer Nick Maggiulli. They discuss his new book, &#8216;The Wealth Ladder,&#8217; which introduces a six-level wealth ladder for assessing and enhancing one&#8217;s financial strategy. From establishing emergency savings in level one [&#8230;]]]></itunes:summary>
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	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[In this insightful episode of the BiggerPockets Money Podcast Mindy Jensen and Scott Trench delve into the practical steps for building wealth with financial writer Nick Maggiulli. They discuss his new book, &#8216;The Wealth Ladder,&#8217; which introduces a six-level wealth ladder for assessing and enhancing one&#8217;s financial strategy. From establishing emergency savings in level one [&#8230;]]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>How to Achieve Financial Independence in the Military</title>
	<link>https://biggerpocketsmoney.com/podcast/how-to-achieve-financial-independence-in-the-military/</link>
	<pubDate>Tue, 22 Jul 2025 11:05:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">ed5df276-8cb9-11ef-a0e1-6b85d1d0c5ea</guid>
	<description><![CDATA[In this episode of the BiggerPockets Money Podcast, hosts Mindy Jensen and Scott Trench, along with guest David Pere, delve deep into achieving financial independence while serving in the military. They discuss the unique advantages of military benefits, such as zero-cost healthcare and housing allowances, and how these can be leveraged to fast-track financial independence. [&#8230;]]]></description>
	<itunes:subtitle><![CDATA[In this episode of the BiggerPockets Money Podcast, hosts Mindy Jensen and Scott Trench, along with guest David Pere, delve deep into achieving financial independence while serving in the military. They discuss the unique advantages of military benefits,]]></itunes:subtitle>
	<content:encoded><![CDATA[In this episode of the BiggerPockets Money Podcast, hosts Mindy Jensen and Scott Trench, along with guest David Pere, delve deep into achieving financial independence while serving in the military. They discuss the unique advantages of military benefits, such as zero-cost healthcare and housing allowances, and how these can be leveraged to fast-track financial independence. [&#8230;]]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC3219165176.mp3" length="100165038" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[In this episode of the BiggerPockets Money Podcast, hosts Mindy Jensen and Scott Trench, along with guest David Pere, delve deep into achieving financial independence while serving in the military. They discuss the unique advantages of military benefits, such as zero-cost healthcare and housing allowances, and how these can be leveraged to fast-track financial independence. [&#8230;]]]></itunes:summary>
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	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[In this episode of the BiggerPockets Money Podcast, hosts Mindy Jensen and Scott Trench, along with guest David Pere, delve deep into achieving financial independence while serving in the military. They discuss the unique advantages of military benefits, such as zero-cost healthcare and housing allowances, and how these can be leveraged to fast-track financial independence. [&#8230;]]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>The Portfolio Strategy That Could Double Your Safe Withdrawal Rate</title>
	<link>https://biggerpocketsmoney.com/podcast/the-portfolio-strategy-that-could-double-your-safe-withdrawal-rate/</link>
	<pubDate>Fri, 18 Jul 2025 11:05:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">ee01f47a-8cb9-11ef-a0e1-a752c713b8bb</guid>
	<description><![CDATA[In this episode of the BiggerPockets Money podcast, hosts Mindy Jensen and Scott Trench welcome Frank Vasquez back on to challenge everything you thought you knew about safe withdrawal rates. Frank reveals how a properly constructed risk parity portfolio can support a 5% withdrawal rate—meaning you could comfortably pull $125,000 annually from a $2.5 million [&#8230;]]]></description>
	<itunes:subtitle><![CDATA[In this episode of the BiggerPockets Money podcast, hosts Mindy Jensen and Scott Trench welcome Frank Vasquez back on to challenge everything you thought you knew about safe withdrawal rates. Frank reveals how a properly constructed risk parity portfolio]]></itunes:subtitle>
	<content:encoded><![CDATA[In this episode of the BiggerPockets Money podcast, hosts Mindy Jensen and Scott Trench welcome Frank Vasquez back on to challenge everything you thought you knew about safe withdrawal rates. Frank reveals how a properly constructed risk parity portfolio can support a 5% withdrawal rate—meaning you could comfortably pull $125,000 annually from a $2.5 million [&#8230;]]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC2653700014.mp3" length="81327529" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[In this episode of the BiggerPockets Money podcast, hosts Mindy Jensen and Scott Trench welcome Frank Vasquez back on to challenge everything you thought you knew about safe withdrawal rates. Frank reveals how a properly constructed risk parity portfolio can support a 5% withdrawal rate—meaning you could comfortably pull $125,000 annually from a $2.5 million [&#8230;]]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[In this episode of the BiggerPockets Money podcast, hosts Mindy Jensen and Scott Trench welcome Frank Vasquez back on to challenge everything you thought you knew about safe withdrawal rates. Frank reveals how a properly constructed risk parity portfolio can support a 5% withdrawal rate—meaning you could comfortably pull $125,000 annually from a $2.5 million [&#8230;]]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>The Portfolio that Supports a 5% Safe Withdrawal Rate &#124; Frank Vasquez</title>
	<link>https://biggerpocketsmoney.com/podcast/the-portfolio-that-supports-a-5-safe-withdrawal-rate-frank-vasquez/</link>
	<pubDate>Tue, 15 Jul 2025 10:05:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">ed279bf4-8cb9-11ef-a0e1-5fe0fbd7dc9d</guid>
	<description><![CDATA[In this episode of the BiggerPockets Money Podcast, hosts Mindy Jensen and Scott Trench are joined by Frank Vasquez, host of the Risk Parity Radio Podcast. Frank introduces the concept of a risk parity portfolio. Rather than relying on traditional stock-heavy portfolios, Frank reveals how strategic diversification across asset classes can potentially support higher withdrawal [&#8230;]]]></description>
	<itunes:subtitle><![CDATA[In this episode of the BiggerPockets Money Podcast, hosts Mindy Jensen and Scott Trench are joined by Frank Vasquez, host of the Risk Parity Radio Podcast. Frank introduces the concept of a risk parity portfolio. Rather than relying on traditional stock-]]></itunes:subtitle>
	<content:encoded><![CDATA[In this episode of the BiggerPockets Money Podcast, hosts Mindy Jensen and Scott Trench are joined by Frank Vasquez, host of the Risk Parity Radio Podcast. Frank introduces the concept of a risk parity portfolio. Rather than relying on traditional stock-heavy portfolios, Frank reveals how strategic diversification across asset classes can potentially support higher withdrawal [&#8230;]]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC8004174689.mp3" length="90093834" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[In this episode of the BiggerPockets Money Podcast, hosts Mindy Jensen and Scott Trench are joined by Frank Vasquez, host of the Risk Parity Radio Podcast. Frank introduces the concept of a risk parity portfolio. Rather than relying on traditional stock-heavy portfolios, Frank reveals how strategic diversification across asset classes can potentially support higher withdrawal [&#8230;]]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[In this episode of the BiggerPockets Money Podcast, hosts Mindy Jensen and Scott Trench are joined by Frank Vasquez, host of the Risk Parity Radio Podcast. Frank introduces the concept of a risk parity portfolio. Rather than relying on traditional stock-heavy portfolios, Frank reveals how strategic diversification across asset classes can potentially support higher withdrawal [&#8230;]]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>How Much Do You Need for Early Retirement? (How to Calculate Your FI Number)</title>
	<link>https://biggerpocketsmoney.com/podcast/how-much-do-you-need-for-early-retirement-how-to-calculate-your-fi-number/</link>
	<pubDate>Fri, 11 Jul 2025 11:05:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">edc96060-8cb9-11ef-a0e1-03972400721c</guid>
	<description><![CDATA[What’s your financial independence number (FI/FIRE number)? Are you being too conservative, or are you cutting things close? Do you even have one? Today, we’re taking a deep dive into this hotly debated topic to help you build a nest egg that will support your early retirement! Welcome back to the BiggerPockets Money podcast! How [&#8230;]]]></description>
	<itunes:subtitle><![CDATA[What’s your financial independence number (FI/FIRE number)? Are you being too conservative, or are you cutting things close? Do you even have one? Today, we’re taking a deep dive into this hotly debated topic to help you build a nest egg that will suppor]]></itunes:subtitle>
	<content:encoded><![CDATA[What’s your financial independence number (FI/FIRE number)? Are you being too conservative, or are you cutting things close? Do you even have one? Today, we’re taking a deep dive into this hotly debated topic to help you build a nest egg that will support your early retirement! Welcome back to the BiggerPockets Money podcast! How [&#8230;]]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC6757293537.mp3" length="62248848" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[What’s your financial independence number (FI/FIRE number)? Are you being too conservative, or are you cutting things close? Do you even have one? Today, we’re taking a deep dive into this hotly debated topic to help you build a nest egg that will support your early retirement! Welcome back to the BiggerPockets Money podcast! How [&#8230;]]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[What’s your financial independence number (FI/FIRE number)? Are you being too conservative, or are you cutting things close? Do you even have one? Today, we’re taking a deep dive into this hotly debated topic to help you build a nest egg that will support your early retirement! Welcome back to the BiggerPockets Money podcast! How [&#8230;]]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>The Best Investing Order of Operations for FIRE (2025)</title>
	<link>https://biggerpocketsmoney.com/podcast/the-best-investing-order-of-operations-for-fire-2025/</link>
	<pubDate>Tue, 08 Jul 2025 14:05:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">ecef6a90-8cb9-11ef-a0e1-1b22fac7681c</guid>
	<description><![CDATA[In this episode of the BiggerPockets Money Podcast, hosts Mindy Jensen and Scott Trench discuss the order of operations for investing your money to achieve FIRE. They outline the steps for both traditional early retirees and those looking to invest in real estate (or start a business).  If you’re a beginner in the FIRE movement, [&#8230;]]]></description>
	<itunes:subtitle><![CDATA[In this episode of the BiggerPockets Money Podcast, hosts Mindy Jensen and Scott Trench discuss the order of operations for investing your money to achieve FIRE. They outline the steps for both traditional early retirees and those looking to invest in re]]></itunes:subtitle>
	<content:encoded><![CDATA[In this episode of the BiggerPockets Money Podcast, hosts Mindy Jensen and Scott Trench discuss the order of operations for investing your money to achieve FIRE. They outline the steps for both traditional early retirees and those looking to invest in real estate (or start a business).  If you’re a beginner in the FIRE movement, [&#8230;]]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC3678181044.mp3" length="56862549" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[In this episode of the BiggerPockets Money Podcast, hosts Mindy Jensen and Scott Trench discuss the order of operations for investing your money to achieve FIRE. They outline the steps for both traditional early retirees and those looking to invest in real estate (or start a business).  If you’re a beginner in the FIRE movement, [&#8230;]]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[In this episode of the BiggerPockets Money Podcast, hosts Mindy Jensen and Scott Trench discuss the order of operations for investing your money to achieve FIRE. They outline the steps for both traditional early retirees and those looking to invest in real estate (or start a business).  If you’re a beginner in the FIRE movement, [&#8230;]]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
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<item>
	<title>How I&#8217;m Accessing My IRA at 45 (Without Paying Penalties)</title>
	<link>https://biggerpocketsmoney.com/podcast/how-im-accessing-my-ira-at-45-without-paying-penalties/</link>
	<pubDate>Fri, 04 Jul 2025 11:05:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
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	<description><![CDATA[Want to access your IRA before turning 59½ without paying the brutal 10% early withdrawal penalty? You&#8217;re not alone, and there are completely legal ways to do it that most people never learn about. In this comprehensive guide, John Bowens from Equity Trust will walk us through the exact strategies that allow you to tap [&#8230;]]]></description>
	<itunes:subtitle><![CDATA[Want to access your IRA before turning 59½ without paying the brutal 10% early withdrawal penalty? You&#8217;re not alone, and there are completely legal ways to do it that most people never learn about. In this comprehensive guide, John Bowens from Equi]]></itunes:subtitle>
	<content:encoded><![CDATA[Want to access your IRA before turning 59½ without paying the brutal 10% early withdrawal penalty? You&#8217;re not alone, and there are completely legal ways to do it that most people never learn about. In this comprehensive guide, John Bowens from Equity Trust will walk us through the exact strategies that allow you to tap [&#8230;]]]></content:encoded>
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	<itunes:summary><![CDATA[Want to access your IRA before turning 59½ without paying the brutal 10% early withdrawal penalty? You&#8217;re not alone, and there are completely legal ways to do it that most people never learn about. In this comprehensive guide, John Bowens from Equity Trust will walk us through the exact strategies that allow you to tap [&#8230;]]]></itunes:summary>
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	<itunes:block>no</itunes:block>
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	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[Want to access your IRA before turning 59½ without paying the brutal 10% early withdrawal penalty? You&#8217;re not alone, and there are completely legal ways to do it that most people never learn about. In this comprehensive guide, John Bowens from Equity Trust will walk us through the exact strategies that allow you to tap [&#8230;]]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
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<item>
	<title>Your Complete Guide to Financial Independence (2025)</title>
	<link>https://biggerpocketsmoney.com/podcast/your-complete-guide-to-financial-independence-2025/</link>
	<pubDate>Tue, 01 Jul 2025 11:05:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
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	<description><![CDATA[The FIRE (Financial Independence, Retire Early) movement has transformed how people think about work, money, and retirement. In this comprehensive episode, Mindy and Scott break down everything you need to know about achieving financial independence and potentially retiring decades earlier than traditional retirement age. We explore the mathematics behind FIRE, different approaches to the movement, [&#8230;]]]></description>
	<itunes:subtitle><![CDATA[The FIRE (Financial Independence, Retire Early) movement has transformed how people think about work, money, and retirement. In this comprehensive episode, Mindy and Scott break down everything you need to know about achieving financial independence and ]]></itunes:subtitle>
	<content:encoded><![CDATA[The FIRE (Financial Independence, Retire Early) movement has transformed how people think about work, money, and retirement. In this comprehensive episode, Mindy and Scott break down everything you need to know about achieving financial independence and potentially retiring decades earlier than traditional retirement age. We explore the mathematics behind FIRE, different approaches to the movement, [&#8230;]]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC3357472337.mp3" length="60677277" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[The FIRE (Financial Independence, Retire Early) movement has transformed how people think about work, money, and retirement. In this comprehensive episode, Mindy and Scott break down everything you need to know about achieving financial independence and potentially retiring decades earlier than traditional retirement age. We explore the mathematics behind FIRE, different approaches to the movement, [&#8230;]]]></itunes:summary>
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	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[The FIRE (Financial Independence, Retire Early) movement has transformed how people think about work, money, and retirement. In this comprehensive episode, Mindy and Scott break down everything you need to know about achieving financial independence and potentially retiring decades earlier than traditional retirement age. We explore the mathematics behind FIRE, different approaches to the movement, [&#8230;]]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>Wall Street Pro Reveals Why He Ditched Trading for Index Funds</title>
	<link>https://biggerpocketsmoney.com/podcast/wall-street-pro-reveals-why-he-ditched-trading-for-index-funds/</link>
	<pubDate>Fri, 27 Jun 2025 11:05:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
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	<description><![CDATA[In this episode of the BiggerPockets Money podcast, Mindy and Scott speak with Victor Haghani, a seasoned financial expert whose journey from Wall Street titan to FIRE advocate will transform how you think about wealth building. Victor&#8217;s path from Salomon Brothers and Long-Term Capital Management to founding Elm Wealth reveals the shocking truth: the complex [&#8230;]]]></description>
	<itunes:subtitle><![CDATA[In this episode of the BiggerPockets Money podcast, Mindy and Scott speak with Victor Haghani, a seasoned financial expert whose journey from Wall Street titan to FIRE advocate will transform how you think about wealth building. Victor&#8217;s path from ]]></itunes:subtitle>
	<content:encoded><![CDATA[In this episode of the BiggerPockets Money podcast, Mindy and Scott speak with Victor Haghani, a seasoned financial expert whose journey from Wall Street titan to FIRE advocate will transform how you think about wealth building. Victor&#8217;s path from Salomon Brothers and Long-Term Capital Management to founding Elm Wealth reveals the shocking truth: the complex [&#8230;]]]></content:encoded>
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	<itunes:summary><![CDATA[In this episode of the BiggerPockets Money podcast, Mindy and Scott speak with Victor Haghani, a seasoned financial expert whose journey from Wall Street titan to FIRE advocate will transform how you think about wealth building. Victor&#8217;s path from Salomon Brothers and Long-Term Capital Management to founding Elm Wealth reveals the shocking truth: the complex [&#8230;]]]></itunes:summary>
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	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[In this episode of the BiggerPockets Money podcast, Mindy and Scott speak with Victor Haghani, a seasoned financial expert whose journey from Wall Street titan to FIRE advocate will transform how you think about wealth building. Victor&#8217;s path from Salomon Brothers and Long-Term Capital Management to founding Elm Wealth reveals the shocking truth: the complex [&#8230;]]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>How to FIRE Without Investing in Real Estate</title>
	<link>https://biggerpocketsmoney.com/podcast/how-to-fire-without-investing-in-real-estate/</link>
	<pubDate>Tue, 24 Jun 2025 11:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
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	<description><![CDATA[You&#8217;re eager to build serious wealth, but the idea of managing tenants, fixing toilets, handling trash issues, and dealing with the endless headaches that come with real estate investing makes you cringe. Even though we&#8217;re the world&#8217;s largest platform for real estate investors, we totally understand that the landlord life isn&#8217;t suited for everyone. The [&#8230;]]]></description>
	<itunes:subtitle><![CDATA[You&#8217;re eager to build serious wealth, but the idea of managing tenants, fixing toilets, handling trash issues, and dealing with the endless headaches that come with real estate investing makes you cringe. Even though we&#8217;re the world&#8217;s l]]></itunes:subtitle>
	<content:encoded><![CDATA[You&#8217;re eager to build serious wealth, but the idea of managing tenants, fixing toilets, handling trash issues, and dealing with the endless headaches that come with real estate investing makes you cringe. Even though we&#8217;re the world&#8217;s largest platform for real estate investors, we totally understand that the landlord life isn&#8217;t suited for everyone. The [&#8230;]]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC9566774974.mp3" length="51493037" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[You&#8217;re eager to build serious wealth, but the idea of managing tenants, fixing toilets, handling trash issues, and dealing with the endless headaches that come with real estate investing makes you cringe. Even though we&#8217;re the world&#8217;s largest platform for real estate investors, we totally understand that the landlord life isn&#8217;t suited for everyone. The [&#8230;]]]></itunes:summary>
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	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[You&#8217;re eager to build serious wealth, but the idea of managing tenants, fixing toilets, handling trash issues, and dealing with the endless headaches that come with real estate investing makes you cringe. Even though we&#8217;re the world&#8217;s largest platform for real estate investors, we totally understand that the landlord life isn&#8217;t suited for everyone. The [&#8230;]]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>Is Your FIRE Strategy Wrong? The Middle Class Trap Debate with Brad Barrett</title>
	<link>https://biggerpocketsmoney.com/podcast/is-your-fire-strategy-wrong-the-middle-class-trap-debate-with-brad-barrett/</link>
	<pubDate>Fri, 20 Jun 2025 11:05:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">a7cb48de-4d12-11f0-8105-cfb76ef297e5</guid>
	<description><![CDATA[Buying a house, maxing out your 401(k), and leveraging real estate are considered the gold standard for building wealth, but what if these strategies are actually sabotaging your early retirement? Today, we&#8217;re diving into the controversial &#8220;middle-class trap&#8221; debate with Brad Barrett from the ChooseFI podcast! Welcome back to the BiggerPockets Money podcast! Is your [&#8230;]]]></description>
	<itunes:subtitle><![CDATA[Buying a house, maxing out your 401(k), and leveraging real estate are considered the gold standard for building wealth, but what if these strategies are actually sabotaging your early retirement? Today, we&#8217;re diving into the controversial &#8220;m]]></itunes:subtitle>
	<content:encoded><![CDATA[Buying a house, maxing out your 401(k), and leveraging real estate are considered the gold standard for building wealth, but what if these strategies are actually sabotaging your early retirement? Today, we&#8217;re diving into the controversial &#8220;middle-class trap&#8221; debate with Brad Barrett from the ChooseFI podcast! Welcome back to the BiggerPockets Money podcast! Is your [&#8230;]]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC3279521873.mp3" length="87119782" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[Buying a house, maxing out your 401(k), and leveraging real estate are considered the gold standard for building wealth, but what if these strategies are actually sabotaging your early retirement? Today, we&#8217;re diving into the controversial &#8220;middle-class trap&#8221; debate with Brad Barrett from the ChooseFI podcast! Welcome back to the BiggerPockets Money podcast! Is your [&#8230;]]]></itunes:summary>
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	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[Buying a house, maxing out your 401(k), and leveraging real estate are considered the gold standard for building wealth, but what if these strategies are actually sabotaging your early retirement? Today, we&#8217;re diving into the controversial &#8220;middle-class trap&#8221; debate with Brad Barrett from the ChooseFI podcast! Welcome back to the BiggerPockets Money podcast! Is your [&#8230;]]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>The Proven Path to Financial Independence in Your 40s</title>
	<link>https://biggerpocketsmoney.com/podcast/the-proven-path-to-financial-independence-in-your-40s/</link>
	<pubDate>Tue, 17 Jun 2025 09:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
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	<description><![CDATA[On this episode of the BiggerPockets Money Podcast, hosts Mindy Jensen and Scott Trench sit down with Dave Fleischer, a teacher who&#8217;s proving that you don&#8217;t need a six-figure salary to achieve financial independence. If you&#8217;ve ever felt discouraged because your FI number seems impossibly high or your current salary feels too small to build [&#8230;]]]></description>
	<itunes:subtitle><![CDATA[On this episode of the BiggerPockets Money Podcast, hosts Mindy Jensen and Scott Trench sit down with Dave Fleischer, a teacher who&#8217;s proving that you don&#8217;t need a six-figure salary to achieve financial independence. If you&#8217;ve ever felt]]></itunes:subtitle>
	<content:encoded><![CDATA[On this episode of the BiggerPockets Money Podcast, hosts Mindy Jensen and Scott Trench sit down with Dave Fleischer, a teacher who&#8217;s proving that you don&#8217;t need a six-figure salary to achieve financial independence. If you&#8217;ve ever felt discouraged because your FI number seems impossibly high or your current salary feels too small to build [&#8230;]]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC8582283031.mp3" length="94634058" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[On this episode of the BiggerPockets Money Podcast, hosts Mindy Jensen and Scott Trench sit down with Dave Fleischer, a teacher who&#8217;s proving that you don&#8217;t need a six-figure salary to achieve financial independence. If you&#8217;ve ever felt discouraged because your FI number seems impossibly high or your current salary feels too small to build [&#8230;]]]></itunes:summary>
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	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[On this episode of the BiggerPockets Money Podcast, hosts Mindy Jensen and Scott Trench sit down with Dave Fleischer, a teacher who&#8217;s proving that you don&#8217;t need a six-figure salary to achieve financial independence. If you&#8217;ve ever felt discouraged because your FI number seems impossibly high or your current salary feels too small to build [&#8230;]]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>How to Access Retirement Funds Early Using the 72(t) Strategy</title>
	<link>https://biggerpocketsmoney.com/podcast/how-to-access-retirement-funds-early-using-the-72t-strategy/</link>
	<pubDate>Fri, 13 Jun 2025 11:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
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	<description><![CDATA[On this episode of the BiggerPockets Money Podcast, hosts Mindy Jensen and Scott Trench sit down with John Bowens from Equity Trust. John is an expert on the often-overlooked 72(t)t rule that could be a game-changer for early retirees. This often misunderstood withdrawal strategy allows people under 59.5 to tap into their retirement accounts without [&#8230;]]]></description>
	<itunes:subtitle><![CDATA[On this episode of the BiggerPockets Money Podcast, hosts Mindy Jensen and Scott Trench sit down with John Bowens from Equity Trust. John is an expert on the often-overlooked 72(t)t rule that could be a game-changer for early retirees. This often misunde]]></itunes:subtitle>
	<content:encoded><![CDATA[On this episode of the BiggerPockets Money Podcast, hosts Mindy Jensen and Scott Trench sit down with John Bowens from Equity Trust. John is an expert on the often-overlooked 72(t)t rule that could be a game-changer for early retirees. This often misunderstood withdrawal strategy allows people under 59.5 to tap into their retirement accounts without [&#8230;]]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC6335894990.mp3" length="95124047" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[On this episode of the BiggerPockets Money Podcast, hosts Mindy Jensen and Scott Trench sit down with John Bowens from Equity Trust. John is an expert on the often-overlooked 72(t)t rule that could be a game-changer for early retirees. This often misunderstood withdrawal strategy allows people under 59.5 to tap into their retirement accounts without [&#8230;]]]></itunes:summary>
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	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[On this episode of the BiggerPockets Money Podcast, hosts Mindy Jensen and Scott Trench sit down with John Bowens from Equity Trust. John is an expert on the often-overlooked 72(t)t rule that could be a game-changer for early retirees. This often misunderstood withdrawal strategy allows people under 59.5 to tap into their retirement accounts without [&#8230;]]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>Money with Katie: Breaking Free from the Middle-Class Money Trap</title>
	<link>https://biggerpocketsmoney.com/podcast/money-with-katie-breaking-free-from-the-middle-class-money-trap/</link>
	<pubDate>Tue, 10 Jun 2025 11:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
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	<description><![CDATA[Katie Gatti Tassin from &#8220;Money with Katie&#8221; escaped the middle-class wealth trap of endless working and spending by having her &#8220;financial awakening&#8221; early. Through just a few years of self-education she more than doubled her income, built a profitable business, and mastered retirement investing and passive income strategies. She&#8217;s documented all of these wealth-building strategies [&#8230;]]]></description>
	<itunes:subtitle><![CDATA[Katie Gatti Tassin from &#8220;Money with Katie&#8221; escaped the middle-class wealth trap of endless working and spending by having her &#8220;financial awakening&#8221; early. Through just a few years of self-education she more than doubled her income]]></itunes:subtitle>
	<content:encoded><![CDATA[Katie Gatti Tassin from &#8220;Money with Katie&#8221; escaped the middle-class wealth trap of endless working and spending by having her &#8220;financial awakening&#8221; early. Through just a few years of self-education she more than doubled her income, built a profitable business, and mastered retirement investing and passive income strategies. She&#8217;s documented all of these wealth-building strategies [&#8230;]]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC7429014442.mp3" length="86392117" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[Katie Gatti Tassin from &#8220;Money with Katie&#8221; escaped the middle-class wealth trap of endless working and spending by having her &#8220;financial awakening&#8221; early. Through just a few years of self-education she more than doubled her income, built a profitable business, and mastered retirement investing and passive income strategies. She&#8217;s documented all of these wealth-building strategies [&#8230;]]]></itunes:summary>
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	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[Katie Gatti Tassin from &#8220;Money with Katie&#8221; escaped the middle-class wealth trap of endless working and spending by having her &#8220;financial awakening&#8221; early. Through just a few years of self-education she more than doubled her income, built a profitable business, and mastered retirement investing and passive income strategies. She&#8217;s documented all of these wealth-building strategies [&#8230;]]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>4% Rule Creator Bill Bengen Reveals His NEW 5% Retirement Strategy</title>
	<link>https://biggerpocketsmoney.com/podcast/4-rule-creator-bill-bengen-reveals-his-new-5-retirement-strategy/</link>
	<pubDate>Fri, 06 Jun 2025 11:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">8f41e1e0-425b-11f0-9a10-9335795f99f2</guid>
	<description><![CDATA[The 4% rule just got a major update! Bill Bengen, the creator of the famous 4% withdrawal rule, returns to share his latest research that&#8217;s changing retirement planning forever. Welcome back to the BiggerPockets Money podcast! Discover why he&#8217;s now recommending a 4.7% withdrawal rate and what this means for YOUR retirement strategy. In this [&#8230;]]]></description>
	<itunes:subtitle><![CDATA[The 4% rule just got a major update! Bill Bengen, the creator of the famous 4% withdrawal rule, returns to share his latest research that&#8217;s changing retirement planning forever. Welcome back to the BiggerPockets Money podcast! Discover why he&#8217]]></itunes:subtitle>
	<content:encoded><![CDATA[The 4% rule just got a major update! Bill Bengen, the creator of the famous 4% withdrawal rule, returns to share his latest research that&#8217;s changing retirement planning forever. Welcome back to the BiggerPockets Money podcast! Discover why he&#8217;s now recommending a 4.7% withdrawal rate and what this means for YOUR retirement strategy. In this [&#8230;]]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC7039695777.mp3" length="76876780" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[The 4% rule just got a major update! Bill Bengen, the creator of the famous 4% withdrawal rule, returns to share his latest research that&#8217;s changing retirement planning forever. Welcome back to the BiggerPockets Money podcast! Discover why he&#8217;s now recommending a 4.7% withdrawal rate and what this means for YOUR retirement strategy. In this [&#8230;]]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
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	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>The Ultimate Guide to Asset Protection: LLCs, Insurance &#038; Partnerships</title>
	<link>https://biggerpocketsmoney.com/podcast/the-ultimate-guide-to-asset-protection-llcs-insurance-partnerships/</link>
	<pubDate>Tue, 03 Jun 2025 11:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">271318ea-4018-11f0-a937-7b1bb93b4a35</guid>
	<description><![CDATA[Do you really need an LLC for rentals? What kind of insurance should you get? With so many questions (and confusion) surrounding asset protection for real estate investors, we’ve brought on an expert to set the record straight so you can protect your assets—without going overboard or breaking the bank! Welcome back to the BiggerPockets [&#8230;]]]></description>
	<itunes:subtitle><![CDATA[Do you really need an LLC for rentals? What kind of insurance should you get? With so many questions (and confusion) surrounding asset protection for real estate investors, we’ve brought on an expert to set the record straight so you can protect your ass]]></itunes:subtitle>
	<content:encoded><![CDATA[Do you really need an LLC for rentals? What kind of insurance should you get? With so many questions (and confusion) surrounding asset protection for real estate investors, we’ve brought on an expert to set the record straight so you can protect your assets—without going overboard or breaking the bank! Welcome back to the BiggerPockets [&#8230;]]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC5347386390.mp3" length="79081968" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[Do you really need an LLC for rentals? What kind of insurance should you get? With so many questions (and confusion) surrounding asset protection for real estate investors, we’ve brought on an expert to set the record straight so you can protect your assets—without going overboard or breaking the bank! Welcome back to the BiggerPockets [&#8230;]]]></itunes:summary>
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	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[Do you really need an LLC for rentals? What kind of insurance should you get? With so many questions (and confusion) surrounding asset protection for real estate investors, we’ve brought on an expert to set the record straight so you can protect your assets—without going overboard or breaking the bank! Welcome back to the BiggerPockets [&#8230;]]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>The “Set It and Forget It” Path to FIRE by Your 40s</title>
	<link>https://biggerpocketsmoney.com/podcast/the-set-it-and-forget-it-path-to-fire-by-your-40s/</link>
	<pubDate>Fri, 30 May 2025 11:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">9a1e53ae-760b-11ef-8eaf-d376d785873b</guid>
	<description><![CDATA[If you invest consistently, reaching FIRE (financial independence, retire early) by your mid-40s is absolutely possible. These two financial-freedom-chasing twins are proof of it! Only in their 20s, both Andy and Oliver from Twin Finances have six-figure net worths, rental properties, and fully-loaded stock accounts! Conveniently, right after getting their first jobs, they found out [&#8230;]]]></description>
	<itunes:subtitle><![CDATA[If you invest consistently, reaching FIRE (financial independence, retire early) by your mid-40s is absolutely possible. These two financial-freedom-chasing twins are proof of it! Only in their 20s, both Andy and Oliver from Twin Finances have six-figure]]></itunes:subtitle>
	<content:encoded><![CDATA[If you invest consistently, reaching FIRE (financial independence, retire early) by your mid-40s is absolutely possible. These two financial-freedom-chasing twins are proof of it! Only in their 20s, both Andy and Oliver from Twin Finances have six-figure net worths, rental properties, and fully-loaded stock accounts! Conveniently, right after getting their first jobs, they found out [&#8230;]]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC2150496849.mp3" length="58933455" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[If you invest consistently, reaching FIRE (financial independence, retire early) by your mid-40s is absolutely possible. These two financial-freedom-chasing twins are proof of it! Only in their 20s, both Andy and Oliver from Twin Finances have six-figure net worths, rental properties, and fully-loaded stock accounts! Conveniently, right after getting their first jobs, they found out [&#8230;]]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[If you invest consistently, reaching FIRE (financial independence, retire early) by your mid-40s is absolutely possible. These two financial-freedom-chasing twins are proof of it! Only in their 20s, both Andy and Oliver from Twin Finances have six-figure net worths, rental properties, and fully-loaded stock accounts! Conveniently, right after getting their first jobs, they found out [&#8230;]]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>Leaving His Job at 36 to Give Back, NOT Get Rich During FI</title>
	<link>https://biggerpocketsmoney.com/podcast/leaving-his-job-at-36-to-give-back-not-get-rich-during-fi/</link>
	<pubDate>Tue, 27 May 2025 11:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">9953cb66-760b-11ef-8eaf-3f615ad08567</guid>
	<description><![CDATA[For many of us, FI (financial independence) isn’t just about having the biggest bank account. Growing wealth is one thing, but getting rich isn’t the goal. Freedom, time with loved ones, and giving back to your community are. So, when he reached the millionaire mark and achieved Coast FI, Ryan Brennan knew it was time [&#8230;]]]></description>
	<itunes:subtitle><![CDATA[For many of us, FI (financial independence) isn’t just about having the biggest bank account. Growing wealth is one thing, but getting rich isn’t the goal. Freedom, time with loved ones, and giving back to your community are. So, when he reached the mill]]></itunes:subtitle>
	<content:encoded><![CDATA[For many of us, FI (financial independence) isn’t just about having the biggest bank account. Growing wealth is one thing, but getting rich isn’t the goal. Freedom, time with loved ones, and giving back to your community are. So, when he reached the millionaire mark and achieved Coast FI, Ryan Brennan knew it was time [&#8230;]]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC9133655047.mp3" length="79622230" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[For many of us, FI (financial independence) isn’t just about having the biggest bank account. Growing wealth is one thing, but getting rich isn’t the goal. Freedom, time with loved ones, and giving back to your community are. So, when he reached the millionaire mark and achieved Coast FI, Ryan Brennan knew it was time [&#8230;]]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[For many of us, FI (financial independence) isn’t just about having the biggest bank account. Growing wealth is one thing, but getting rich isn’t the goal. Freedom, time with loved ones, and giving back to your community are. So, when he reached the millionaire mark and achieved Coast FI, Ryan Brennan knew it was time [&#8230;]]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>If No One Follows the 4% Rule, What IS the Right Withdrawal Rate?</title>
	<link>https://biggerpocketsmoney.com/podcast/if-no-one-follows-the-4-rule-what-is-the-right-withdrawal-rate/</link>
	<pubDate>Fri, 23 May 2025 11:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">99eb22d6-760b-11ef-8eaf-774a6eab9b72</guid>
	<description><![CDATA[Most people assume the “safe withdrawal rate” for retirement (or early retirement) is 4%. But, if that’s the case, why is it SO hard to find anyone who’s gotten to their FIRE number, quit their job, and lived entirely off of the 4% rule? If the 4% rule is so safe and backed by solid [&#8230;]]]></description>
	<itunes:subtitle><![CDATA[Most people assume the “safe withdrawal rate” for retirement (or early retirement) is 4%. But, if that’s the case, why is it SO hard to find anyone who’s gotten to their FIRE number, quit their job, and lived entirely off of the 4% rule? If the 4% rule i]]></itunes:subtitle>
	<content:encoded><![CDATA[Most people assume the “safe withdrawal rate” for retirement (or early retirement) is 4%. But, if that’s the case, why is it SO hard to find anyone who’s gotten to their FIRE number, quit their job, and lived entirely off of the 4% rule? If the 4% rule is so safe and backed by solid [&#8230;]]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC7705407802.mp3" length="74787608" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[Most people assume the “safe withdrawal rate” for retirement (or early retirement) is 4%. But, if that’s the case, why is it SO hard to find anyone who’s gotten to their FIRE number, quit their job, and lived entirely off of the 4% rule? If the 4% rule is so safe and backed by solid [&#8230;]]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[Most people assume the “safe withdrawal rate” for retirement (or early retirement) is 4%. But, if that’s the case, why is it SO hard to find anyone who’s gotten to their FIRE number, quit their job, and lived entirely off of the 4% rule? If the 4% rule is so safe and backed by solid [&#8230;]]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>No, Taxes Won’t Derail Your FIRE: Here’s What You’ll Really Pay in Retirement</title>
	<link>https://biggerpocketsmoney.com/podcast/no-taxes-wont-derail-your-fire-heres-what-youll-really-pay-in-retirement/</link>
	<pubDate>Tue, 20 May 2025 11:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">9920ec14-760b-11ef-8eaf-f7e78797c347</guid>
	<description><![CDATA[No, Taxes Won’t Derail Your FIRE: Here’s What You’ll Really Pay in Retirement Podcast Description Taxes in retirement have been called a “silent wealth killer” for those pursuing FIRE—but does the data tell a different story? If you’re worried about a ticking tax bomb wiping out a huge chunk of your investment portfolio or even [&#8230;]]]></description>
	<itunes:subtitle><![CDATA[No, Taxes Won’t Derail Your FIRE: Here’s What You’ll Really Pay in Retirement Podcast Description Taxes in retirement have been called a “silent wealth killer” for those pursuing FIRE—but does the data tell a different story? If you’re worried about a ti]]></itunes:subtitle>
	<content:encoded><![CDATA[No, Taxes Won’t Derail Your FIRE: Here’s What You’ll Really Pay in Retirement Podcast Description Taxes in retirement have been called a “silent wealth killer” for those pursuing FIRE—but does the data tell a different story? If you’re worried about a ticking tax bomb wiping out a huge chunk of your investment portfolio or even [&#8230;]]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC3317318762.mp3" length="56751976" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[No, Taxes Won’t Derail Your FIRE: Here’s What You’ll Really Pay in Retirement Podcast Description Taxes in retirement have been called a “silent wealth killer” for those pursuing FIRE—but does the data tell a different story? If you’re worried about a ticking tax bomb wiping out a huge chunk of your investment portfolio or even [&#8230;]]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[No, Taxes Won’t Derail Your FIRE: Here’s What You’ll Really Pay in Retirement Podcast Description Taxes in retirement have been called a “silent wealth killer” for those pursuing FIRE—but does the data tell a different story? If you’re worried about a ticking tax bomb wiping out a huge chunk of your investment portfolio or even [&#8230;]]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>Scott Steps Down as CEO: A New Age for BiggerPockets Money</title>
	<link>https://biggerpocketsmoney.com/podcast/scott-steps-down-as-ceo-a-new-age-for-biggerpockets-money/</link>
	<pubDate>Fri, 16 May 2025 15:30:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">a59992a2-3267-11f0-826f-6bfd26b828b1</guid>
	<description><![CDATA[BiggerPockets’ CEO Scott Trench announces his decision to step down as CEO, and focus full-time efforts on personal finance content with BiggerPockets Money. We also welcome BiggerPockets’ new CEO, Ale Ayestaran. Learn more about your ad choices. Visit megaphone.fm/adchoices]]></description>
	<itunes:subtitle><![CDATA[BiggerPockets’ CEO Scott Trench announces his decision to step down as CEO, and focus full-time efforts on personal finance content with BiggerPockets Money. We also welcome BiggerPockets’ new CEO, Ale Ayestaran. Learn more about your ad choices. Visit m]]></itunes:subtitle>
	<content:encoded><![CDATA[BiggerPockets’ CEO Scott Trench announces his decision to step down as CEO, and focus full-time efforts on personal finance content with BiggerPockets Money. We also welcome BiggerPockets’ new CEO, Ale Ayestaran. Learn more about your ad choices. Visit megaphone.fm/adchoices]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC4696632699.mp3" length="63677580" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[BiggerPockets’ CEO Scott Trench announces his decision to step down as CEO, and focus full-time efforts on personal finance content with BiggerPockets Money. We also welcome BiggerPockets’ new CEO, Ale Ayestaran. Learn more about your ad choices. Visit megaphone.fm/adchoices]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[BiggerPockets’ CEO Scott Trench announces his decision to step down as CEO, and focus full-time efforts on personal finance content with BiggerPockets Money. We also welcome BiggerPockets’ new CEO, Ale Ayestaran. Learn more about your ad choices. Visit megaphone.fm/adchoices]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>JL Collins: The “Simple” Path to Wealth, FIRE, and Stress-Free Investing</title>
	<link>https://biggerpocketsmoney.com/podcast/jl-collins-the-simple-path-to-wealth-fire-and-stress-free-investing/</link>
	<pubDate>Tue, 13 May 2025 11:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">98e7d686-760b-11ef-8eaf-ef8b137c4645</guid>
	<description><![CDATA[The Simple Path to Wealth is arguably the most influential book in the FIRE movement. JL Collins, its author, is revered among early retirees as one of the trailblazers for FIRE, showing that anyone, with the right investing consistency, can reach financial independence WITHOUT complicated investing strategies, risky alternative assets, or individual stock picking. This [&#8230;]]]></description>
	<itunes:subtitle><![CDATA[The Simple Path to Wealth is arguably the most influential book in the FIRE movement. JL Collins, its author, is revered among early retirees as one of the trailblazers for FIRE, showing that anyone, with the right investing consistency, can reach financ]]></itunes:subtitle>
	<content:encoded><![CDATA[The Simple Path to Wealth is arguably the most influential book in the FIRE movement. JL Collins, its author, is revered among early retirees as one of the trailblazers for FIRE, showing that anyone, with the right investing consistency, can reach financial independence WITHOUT complicated investing strategies, risky alternative assets, or individual stock picking. This [&#8230;]]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC6017524062.mp3" length="85529018" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[The Simple Path to Wealth is arguably the most influential book in the FIRE movement. JL Collins, its author, is revered among early retirees as one of the trailblazers for FIRE, showing that anyone, with the right investing consistency, can reach financial independence WITHOUT complicated investing strategies, risky alternative assets, or individual stock picking. This [&#8230;]]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[The Simple Path to Wealth is arguably the most influential book in the FIRE movement. JL Collins, its author, is revered among early retirees as one of the trailblazers for FIRE, showing that anyone, with the right investing consistency, can reach financial independence WITHOUT complicated investing strategies, risky alternative assets, or individual stock picking. This [&#8230;]]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>How to Create Huge Tax Savings Funding Your Kid’s College (&#038; FIRE on Time!)</title>
	<link>https://biggerpocketsmoney.com/podcast/how-to-create-huge-tax-savings-funding-your-kids-college-fire-on-time/</link>
	<pubDate>Fri, 09 May 2025 11:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">99860662-760b-11ef-8eaf-cbe117cda99a</guid>
	<description><![CDATA[Paying for college is one of the biggest financial hurdles families face—even as you’re chasing or approaching FIRE. What’s the smartest way to save for higher education while also securing your financial future? Scott, Mindy, and Amberly are breaking it all down on today’s episode! Welcome back to the BiggerPockets Money podcast! There are several [&#8230;]]]></description>
	<itunes:subtitle><![CDATA[Paying for college is one of the biggest financial hurdles families face—even as you’re chasing or approaching FIRE. What’s the smartest way to save for higher education while also securing your financial future? Scott, Mindy, and Amberly are breaking it]]></itunes:subtitle>
	<content:encoded><![CDATA[Paying for college is one of the biggest financial hurdles families face—even as you’re chasing or approaching FIRE. What’s the smartest way to save for higher education while also securing your financial future? Scott, Mindy, and Amberly are breaking it all down on today’s episode! Welcome back to the BiggerPockets Money podcast! There are several [&#8230;]]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC2450670839.mp3" length="66106979" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[Paying for college is one of the biggest financial hurdles families face—even as you’re chasing or approaching FIRE. What’s the smartest way to save for higher education while also securing your financial future? Scott, Mindy, and Amberly are breaking it all down on today’s episode! Welcome back to the BiggerPockets Money podcast! There are several [&#8230;]]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[Paying for college is one of the biggest financial hurdles families face—even as you’re chasing or approaching FIRE. What’s the smartest way to save for higher education while also securing your financial future? Scott, Mindy, and Amberly are breaking it all down on today’s episode! Welcome back to the BiggerPockets Money podcast! There are several [&#8230;]]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>I Retired Early in My 40s WITHOUT Withdrawing from My Portfolio! &#124; Life After FIRE</title>
	<link>https://biggerpocketsmoney.com/podcast/i-retired-early-in-my-40s-without-withdrawing-from-my-portfolio-life-after-fire/</link>
	<pubDate>Wed, 07 May 2025 11:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">8b203702-2b0d-11f0-8168-537c1735cd70</guid>
	<description><![CDATA[You CAN retire early in just ten years IF you save and invest enough. Fortunately, your retirement expenses may be less than you think. Chris Luger, from Heavy Metal Money, didn’t think about retiring early until a divorce made him take control of his finances. He realized that the path to early retirement was only [&#8230;]]]></description>
	<itunes:subtitle><![CDATA[You CAN retire early in just ten years IF you save and invest enough. Fortunately, your retirement expenses may be less than you think. Chris Luger, from Heavy Metal Money, didn’t think about retiring early until a divorce made him take control of his fi]]></itunes:subtitle>
	<content:encoded><![CDATA[You CAN retire early in just ten years IF you save and invest enough. Fortunately, your retirement expenses may be less than you think. Chris Luger, from Heavy Metal Money, didn’t think about retiring early until a divorce made him take control of his finances. He realized that the path to early retirement was only [&#8230;]]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC6822626463.mp3" length="55046033" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[You CAN retire early in just ten years IF you save and invest enough. Fortunately, your retirement expenses may be less than you think. Chris Luger, from Heavy Metal Money, didn’t think about retiring early until a divorce made him take control of his finances. He realized that the path to early retirement was only [&#8230;]]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[You CAN retire early in just ten years IF you save and invest enough. Fortunately, your retirement expenses may be less than you think. Chris Luger, from Heavy Metal Money, didn’t think about retiring early until a divorce made him take control of his finances. He realized that the path to early retirement was only [&#8230;]]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>The 4% “Rule” is Wrong for FIRE—Here’s a Better Alternative</title>
	<link>https://biggerpocketsmoney.com/podcast/the-4-rule-is-wrong-for-fire-heres-a-better-alternative/</link>
	<pubDate>Tue, 06 May 2025 11:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">98ae25bc-760b-11ef-8eaf-035cbef0035c</guid>
	<description><![CDATA[For decades, the 4% rule has been the calculation every FIRE chaser has used to determine when they can retire early—risk-free. The math is simple: have a portfolio big enough to withdraw 4% per year to fund your lifestyle. But there’s one BIG problem with the 4% rule that nobody is talking about—a problem that [&#8230;]]]></description>
	<itunes:subtitle><![CDATA[For decades, the 4% rule has been the calculation every FIRE chaser has used to determine when they can retire early—risk-free. The math is simple: have a portfolio big enough to withdraw 4% per year to fund your lifestyle. But there’s one BIG problem wi]]></itunes:subtitle>
	<content:encoded><![CDATA[For decades, the 4% rule has been the calculation every FIRE chaser has used to determine when they can retire early—risk-free. The math is simple: have a portfolio big enough to withdraw 4% per year to fund your lifestyle. But there’s one BIG problem with the 4% rule that nobody is talking about—a problem that [&#8230;]]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC2161435438.mp3" length="103281104" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[For decades, the 4% rule has been the calculation every FIRE chaser has used to determine when they can retire early—risk-free. The math is simple: have a portfolio big enough to withdraw 4% per year to fund your lifestyle. But there’s one BIG problem with the 4% rule that nobody is talking about—a problem that [&#8230;]]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[For decades, the 4% rule has been the calculation every FIRE chaser has used to determine when they can retire early—risk-free. The math is simple: have a portfolio big enough to withdraw 4% per year to fund your lifestyle. But there’s one BIG problem with the 4% rule that nobody is talking about—a problem that [&#8230;]]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>How to Build (and Enjoy) Your “Dream” Life in Early Retirement &#124; Life After FIRE</title>
	<link>https://biggerpocketsmoney.com/podcast/how-to-build-and-enjoy-your-dream-life-in-early-retirement-life-after-fire/</link>
	<pubDate>Fri, 02 May 2025 11:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">98704594-760b-11ef-8eaf-db59414ac443</guid>
	<description><![CDATA[What if you reached financial independence…before knowing what it was? That’s what happened to Chris Rusin. After discovering the FIRE movement and stumbling across Mindy and Carl’s blog, he realized he was already at his goal. Then, early retirement unlocked a new life full of wild adventures, creative rebirth, and deeper purpose! Welcome back to [&#8230;]]]></description>
	<itunes:subtitle><![CDATA[What if you reached financial independence…before knowing what it was? That’s what happened to Chris Rusin. After discovering the FIRE movement and stumbling across Mindy and Carl’s blog, he realized he was already at his goal. Then, early retirement unl]]></itunes:subtitle>
	<content:encoded><![CDATA[What if you reached financial independence…before knowing what it was? That’s what happened to Chris Rusin. After discovering the FIRE movement and stumbling across Mindy and Carl’s blog, he realized he was already at his goal. Then, early retirement unlocked a new life full of wild adventures, creative rebirth, and deeper purpose! Welcome back to [&#8230;]]]></content:encoded>
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	<itunes:summary><![CDATA[What if you reached financial independence…before knowing what it was? That’s what happened to Chris Rusin. After discovering the FIRE movement and stumbling across Mindy and Carl’s blog, he realized he was already at his goal. Then, early retirement unlocked a new life full of wild adventures, creative rebirth, and deeper purpose! Welcome back to [&#8230;]]]></itunes:summary>
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	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>The Single Biggest Risk That Could Stop Your Early Retirement (&#038; How to Dodge It)</title>
	<link>https://biggerpocketsmoney.com/podcast/the-single-biggest-risk-that-could-stop-your-early-retirement-how-to-dodge-it/</link>
	<pubDate>Tue, 29 Apr 2025 11:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
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	<description><![CDATA[You’re part of the FIRE movement (financial independence, retire early) so you can quit your job, have complete time freedom, and truly enjoy your life. But what if early retirement isn’t all that it’s cracked up to be? What if you grind for years or decades, reach your FIRE number, quit your job, and realize… [&#8230;]]]></description>
	<itunes:subtitle><![CDATA[You’re part of the FIRE movement (financial independence, retire early) so you can quit your job, have complete time freedom, and truly enjoy your life. But what if early retirement isn’t all that it’s cracked up to be? What if you grind for years or dec]]></itunes:subtitle>
	<content:encoded><![CDATA[You’re part of the FIRE movement (financial independence, retire early) so you can quit your job, have complete time freedom, and truly enjoy your life. But what if early retirement isn’t all that it’s cracked up to be? What if you grind for years or decades, reach your FIRE number, quit your job, and realize… [&#8230;]]]></content:encoded>
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	<itunes:summary><![CDATA[You’re part of the FIRE movement (financial independence, retire early) so you can quit your job, have complete time freedom, and truly enjoy your life. But what if early retirement isn’t all that it’s cracked up to be? What if you grind for years or decades, reach your FIRE number, quit your job, and realize… [&#8230;]]]></itunes:summary>
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	<itunes:block>no</itunes:block>
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	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[You’re part of the FIRE movement (financial independence, retire early) so you can quit your job, have complete time freedom, and truly enjoy your life. But what if early retirement isn’t all that it’s cracked up to be? What if you grind for years or decades, reach your FIRE number, quit your job, and realize… [&#8230;]]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>We Paid Off $500K in Debt: Now We’re on Track to Retire (Early) in Our 50s</title>
	<link>https://biggerpocketsmoney.com/podcast/we-paid-off-500k-in-debt-now-were-on-track-to-retire-early-in-our-50s/</link>
	<pubDate>Fri, 25 Apr 2025 11:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">98381c0a-760b-11ef-8eaf-4f4585c73630</guid>
	<description><![CDATA[Fear that early retirement is out of the question because you have too much debt? It’s not game over. Whether you’re debt-free or still chipping away at your student loans, today’s guests are proof that FIRE is never too far out of reach—even if you’ve got half a million dollars in debt! Welcome back to [&#8230;]]]></description>
	<itunes:subtitle><![CDATA[Fear that early retirement is out of the question because you have too much debt? It’s not game over. Whether you’re debt-free or still chipping away at your student loans, today’s guests are proof that FIRE is never too far out of reach—even if you’ve g]]></itunes:subtitle>
	<content:encoded><![CDATA[Fear that early retirement is out of the question because you have too much debt? It’s not game over. Whether you’re debt-free or still chipping away at your student loans, today’s guests are proof that FIRE is never too far out of reach—even if you’ve got half a million dollars in debt! Welcome back to [&#8230;]]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC9715117240.mp3" length="84941209" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[Fear that early retirement is out of the question because you have too much debt? It’s not game over. Whether you’re debt-free or still chipping away at your student loans, today’s guests are proof that FIRE is never too far out of reach—even if you’ve got half a million dollars in debt! Welcome back to [&#8230;]]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[Fear that early retirement is out of the question because you have too much debt? It’s not game over. Whether you’re debt-free or still chipping away at your student loans, today’s guests are proof that FIRE is never too far out of reach—even if you’ve got half a million dollars in debt! Welcome back to [&#8230;]]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>Healthcare Hacks That Could Save You Thousands on the Journey to FIRE</title>
	<link>https://biggerpocketsmoney.com/podcast/healthcare-hacks-that-could-save-you-thousands-on-the-journey-to-fire/</link>
	<pubDate>Tue, 22 Apr 2025 11:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
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	<description><![CDATA[Wealth and health are closely intertwined, especially here in the US, where the high cost of healthcare can put significant financial pressure on families. But is there a remedy to these exorbitant expenses that Americans are missing? Stay tuned and we’ll show you how to negotiate your medical bills—even if you’ve reached FIRE! Welcome back [&#8230;]]]></description>
	<itunes:subtitle><![CDATA[Wealth and health are closely intertwined, especially here in the US, where the high cost of healthcare can put significant financial pressure on families. But is there a remedy to these exorbitant expenses that Americans are missing? Stay tuned and we’l]]></itunes:subtitle>
	<content:encoded><![CDATA[Wealth and health are closely intertwined, especially here in the US, where the high cost of healthcare can put significant financial pressure on families. But is there a remedy to these exorbitant expenses that Americans are missing? Stay tuned and we’ll show you how to negotiate your medical bills—even if you’ve reached FIRE! Welcome back [&#8230;]]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC2523717016.mp3" length="56520465" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[Wealth and health are closely intertwined, especially here in the US, where the high cost of healthcare can put significant financial pressure on families. But is there a remedy to these exorbitant expenses that Americans are missing? Stay tuned and we’ll show you how to negotiate your medical bills—even if you’ve reached FIRE! Welcome back [&#8230;]]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[Wealth and health are closely intertwined, especially here in the US, where the high cost of healthcare can put significant financial pressure on families. But is there a remedy to these exorbitant expenses that Americans are missing? Stay tuned and we’ll show you how to negotiate your medical bills—even if you’ve reached FIRE! Welcome back [&#8230;]]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>The Financial Order of Operations for FIRE (Step-by-Step Early Retirement Plan)</title>
	<link>https://biggerpocketsmoney.com/podcast/the-financial-order-of-operations-for-fire-step-by-step-early-retirement-plan/</link>
	<pubDate>Fri, 18 Apr 2025 11:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">97fef1be-760b-11ef-8eaf-bb2ca36a1dfb</guid>
	<description><![CDATA[Most people chasing FIRE (financial independence, retire early) are doing it all out of order, and it’s costing them years of financial freedom. So, we thought, “What’s the fastest way to achieve FIRE, and which steps would you take if you were starting from scratch?” Today, we’re bringing you a supercharged financial independence plan, sharing [&#8230;]]]></description>
	<itunes:subtitle><![CDATA[Most people chasing FIRE (financial independence, retire early) are doing it all out of order, and it’s costing them years of financial freedom. So, we thought, “What’s the fastest way to achieve FIRE, and which steps would you take if you were starting ]]></itunes:subtitle>
	<content:encoded><![CDATA[Most people chasing FIRE (financial independence, retire early) are doing it all out of order, and it’s costing them years of financial freedom. So, we thought, “What’s the fastest way to achieve FIRE, and which steps would you take if you were starting from scratch?” Today, we’re bringing you a supercharged financial independence plan, sharing [&#8230;]]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC8534976040.mp3" length="60724459" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[Most people chasing FIRE (financial independence, retire early) are doing it all out of order, and it’s costing them years of financial freedom. So, we thought, “What’s the fastest way to achieve FIRE, and which steps would you take if you were starting from scratch?” Today, we’re bringing you a supercharged financial independence plan, sharing [&#8230;]]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[Most people chasing FIRE (financial independence, retire early) are doing it all out of order, and it’s costing them years of financial freedom. So, we thought, “What’s the fastest way to achieve FIRE, and which steps would you take if you were starting from scratch?” Today, we’re bringing you a supercharged financial independence plan, sharing [&#8230;]]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>The “Silver Lining” for Investors After a Historic Week for Stocks&#124; Life After FIRE</title>
	<link>https://biggerpocketsmoney.com/podcast/the-silver-lining-for-investors-after-a-historic-week-for-stocks-life-after-fire/</link>
	<pubDate>Wed, 16 Apr 2025 11:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
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	<description><![CDATA[We’re coming off one of the wildest weeks in stock market history. How are retirees reacting to these massive swings? How should you adjust your FIRE portfolio in case there are even more turbulent times ahead? We’re chatting with someone who’s in the loop! Welcome back to the BiggerPockets Money podcast! Today, Emma von Weise, [&#8230;]]]></description>
	<itunes:subtitle><![CDATA[We’re coming off one of the wildest weeks in stock market history. How are retirees reacting to these massive swings? How should you adjust your FIRE portfolio in case there are even more turbulent times ahead? We’re chatting with someone who’s in the lo]]></itunes:subtitle>
	<content:encoded><![CDATA[We’re coming off one of the wildest weeks in stock market history. How are retirees reacting to these massive swings? How should you adjust your FIRE portfolio in case there are even more turbulent times ahead? We’re chatting with someone who’s in the loop! Welcome back to the BiggerPockets Money podcast! Today, Emma von Weise, [&#8230;]]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC5941242395.mp3" length="53618868" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[We’re coming off one of the wildest weeks in stock market history. How are retirees reacting to these massive swings? How should you adjust your FIRE portfolio in case there are even more turbulent times ahead? We’re chatting with someone who’s in the loop! Welcome back to the BiggerPockets Money podcast! Today, Emma von Weise, [&#8230;]]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[We’re coming off one of the wildest weeks in stock market history. How are retirees reacting to these massive swings? How should you adjust your FIRE portfolio in case there are even more turbulent times ahead? We’re chatting with someone who’s in the loop! Welcome back to the BiggerPockets Money podcast! Today, Emma von Weise, [&#8230;]]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>Early Retirement “Traps” That Delayed My FIRE by a Decade</title>
	<link>https://biggerpocketsmoney.com/podcast/early-retirement-traps-that-delayed-my-fire-by-a-decade/</link>
	<pubDate>Tue, 15 Apr 2025 11:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">971f584c-760b-11ef-8eaf-570ddbd7b98e</guid>
	<description><![CDATA[Early retirement in your 50s is a dream for most Americans, but today’s guest is sharing how she could have retired in her 40s, a decade earlier, if she had avoided these FIRE “traps.” Yes, it IS possible to FIRE in your 40s even with much of your money in retirement accounts. “But I thought [&#8230;]]]></description>
	<itunes:subtitle><![CDATA[Early retirement in your 50s is a dream for most Americans, but today’s guest is sharing how she could have retired in her 40s, a decade earlier, if she had avoided these FIRE “traps.” Yes, it IS possible to FIRE in your 40s even with much of your money ]]></itunes:subtitle>
	<content:encoded><![CDATA[Early retirement in your 50s is a dream for most Americans, but today’s guest is sharing how she could have retired in her 40s, a decade earlier, if she had avoided these FIRE “traps.” Yes, it IS possible to FIRE in your 40s even with much of your money in retirement accounts. “But I thought [&#8230;]]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC3826575482.mp3" length="63709941" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[Early retirement in your 50s is a dream for most Americans, but today’s guest is sharing how she could have retired in her 40s, a decade earlier, if she had avoided these FIRE “traps.” Yes, it IS possible to FIRE in your 40s even with much of your money in retirement accounts. “But I thought [&#8230;]]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[Early retirement in your 50s is a dream for most Americans, but today’s guest is sharing how she could have retired in her 40s, a decade earlier, if she had avoided these FIRE “traps.” Yes, it IS possible to FIRE in your 40s even with much of your money in retirement accounts. “But I thought [&#8230;]]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>How to FIRE in Your 40s on a Teacher’s Salary (or Average Income) (Finance Friday)</title>
	<link>https://biggerpocketsmoney.com/podcast/how-to-fire-in-your-40s-on-a-teachers-salary-or-average-income-finance-friday/</link>
	<pubDate>Fri, 11 Apr 2025 11:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">97c6f304-760b-11ef-8eaf-bba742faf62e</guid>
	<description><![CDATA[Is it possible to reach FIRE by 45, even on a teacher’s salary or an average income? Today’s guest is proving that, yes, you can retire early, regardless of your paycheck. It may be a little harder than it is for high-income earners, but with frugality, discipline, and smart investments, regular people can achieve FIRE! [&#8230;]]]></description>
	<itunes:subtitle><![CDATA[Is it possible to reach FIRE by 45, even on a teacher’s salary or an average income? Today’s guest is proving that, yes, you can retire early, regardless of your paycheck. It may be a little harder than it is for high-income earners, but with frugality, ]]></itunes:subtitle>
	<content:encoded><![CDATA[Is it possible to reach FIRE by 45, even on a teacher’s salary or an average income? Today’s guest is proving that, yes, you can retire early, regardless of your paycheck. It may be a little harder than it is for high-income earners, but with frugality, discipline, and smart investments, regular people can achieve FIRE! [&#8230;]]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC1293745529.mp3" length="82323528" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[Is it possible to reach FIRE by 45, even on a teacher’s salary or an average income? Today’s guest is proving that, yes, you can retire early, regardless of your paycheck. It may be a little harder than it is for high-income earners, but with frugality, discipline, and smart investments, regular people can achieve FIRE! [&#8230;]]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[Is it possible to reach FIRE by 45, even on a teacher’s salary or an average income? Today’s guest is proving that, yes, you can retire early, regardless of your paycheck. It may be a little harder than it is for high-income earners, but with frugality, discipline, and smart investments, regular people can achieve FIRE! [&#8230;]]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>Tariffs Pause, Stocks Erupt, But the Volatility Could Be Far From Over</title>
	<link>https://biggerpocketsmoney.com/podcast/tariffs-pause-stocks-erupt-but-the-volatility-could-be-far-from-over/</link>
	<pubDate>Thu, 10 Apr 2025 16:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">879a2700-1622-11f0-9b56-27e6cfeb3476</guid>
	<description><![CDATA[Tariffs are now on PAUSE! And just like that, the stock market is flying back up again. Is this a signal for us all to breathe a sigh of relief, or is more market volatility coming our way? It’s been a wild week so far, and it’s only Thursday! Just yesterday, President Trump paused new [&#8230;]]]></description>
	<itunes:subtitle><![CDATA[Tariffs are now on PAUSE! And just like that, the stock market is flying back up again. Is this a signal for us all to breathe a sigh of relief, or is more market volatility coming our way? It’s been a wild week so far, and it’s only Thursday! Just yeste]]></itunes:subtitle>
	<content:encoded><![CDATA[Tariffs are now on PAUSE! And just like that, the stock market is flying back up again. Is this a signal for us all to breathe a sigh of relief, or is more market volatility coming our way? It’s been a wild week so far, and it’s only Thursday! Just yesterday, President Trump paused new [&#8230;]]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC4659239466.mp3" length="57323312" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[Tariffs are now on PAUSE! And just like that, the stock market is flying back up again. Is this a signal for us all to breathe a sigh of relief, or is more market volatility coming our way? It’s been a wild week so far, and it’s only Thursday! Just yesterday, President Trump paused new [&#8230;]]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[Tariffs are now on PAUSE! And just like that, the stock market is flying back up again. Is this a signal for us all to breathe a sigh of relief, or is more market volatility coming our way? It’s been a wild week so far, and it’s only Thursday! Just yesterday, President Trump paused new [&#8230;]]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>The #1 Thing That Made Our FIRE Grind Easier (and More Fun!) &#124; Life After FIRE</title>
	<link>https://biggerpocketsmoney.com/podcast/the-1-thing-that-made-our-fire-grind-easier-and-more-fun-life-after-fire/</link>
	<pubDate>Thu, 10 Apr 2025 11:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">73d221e6-1528-11f0-8b25-f3b1c74bc1af</guid>
	<description><![CDATA[The path to FIRE (financial independence, retire early) isn’t easy. You’re working a lot, saving a lot, all while seeing many of your friends out traveling, buying new cars and bigger homes, leaving you feeling isolated on the path to early retirement. But it doesn’t have to be that way. There are FIRE freaks, just [&#8230;]]]></description>
	<itunes:subtitle><![CDATA[The path to FIRE (financial independence, retire early) isn’t easy. You’re working a lot, saving a lot, all while seeing many of your friends out traveling, buying new cars and bigger homes, leaving you feeling isolated on the path to early retirement. B]]></itunes:subtitle>
	<content:encoded><![CDATA[The path to FIRE (financial independence, retire early) isn’t easy. You’re working a lot, saving a lot, all while seeing many of your friends out traveling, buying new cars and bigger homes, leaving you feeling isolated on the path to early retirement. But it doesn’t have to be that way. There are FIRE freaks, just [&#8230;]]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC9957614687.mp3" length="27634837" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[The path to FIRE (financial independence, retire early) isn’t easy. You’re working a lot, saving a lot, all while seeing many of your friends out traveling, buying new cars and bigger homes, leaving you feeling isolated on the path to early retirement. But it doesn’t have to be that way. There are FIRE freaks, just [&#8230;]]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[The path to FIRE (financial independence, retire early) isn’t easy. You’re working a lot, saving a lot, all while seeing many of your friends out traveling, buying new cars and bigger homes, leaving you feeling isolated on the path to early retirement. But it doesn’t have to be that way. There are FIRE freaks, just [&#8230;]]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>I FIREd with Index Funds, She FIREd with Rentals: Which is Better (&#038; Faster)?</title>
	<link>https://biggerpocketsmoney.com/podcast/i-fired-with-index-funds-she-fired-with-rentals-which-is-better-faster/</link>
	<pubDate>Tue, 08 Apr 2025 11:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">96e8a342-760b-11ef-8eaf-e3c418697cb4</guid>
	<description><![CDATA[There’s no arguing that real estate and stocks are the two most proven ways to build wealth, but which one comes out on top in a race to FIRE? Stay tuned as we put these investment vehicles to the test and show you the fastest path to early retirement! Welcome back to the BiggerPockets Money [&#8230;]]]></description>
	<itunes:subtitle><![CDATA[There’s no arguing that real estate and stocks are the two most proven ways to build wealth, but which one comes out on top in a race to FIRE? Stay tuned as we put these investment vehicles to the test and show you the fastest path to early retirement! W]]></itunes:subtitle>
	<content:encoded><![CDATA[There’s no arguing that real estate and stocks are the two most proven ways to build wealth, but which one comes out on top in a race to FIRE? Stay tuned as we put these investment vehicles to the test and show you the fastest path to early retirement! Welcome back to the BiggerPockets Money [&#8230;]]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC4105901393.mp3" length="56614788" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[There’s no arguing that real estate and stocks are the two most proven ways to build wealth, but which one comes out on top in a race to FIRE? Stay tuned as we put these investment vehicles to the test and show you the fastest path to early retirement! Welcome back to the BiggerPockets Money [&#8230;]]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[There’s no arguing that real estate and stocks are the two most proven ways to build wealth, but which one comes out on top in a race to FIRE? Stay tuned as we put these investment vehicles to the test and show you the fastest path to early retirement! Welcome back to the BiggerPockets Money [&#8230;]]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>Teacher ($44K/Year Income) FIREs in 10 Years Making the RIGHT Sacrifices</title>
	<link>https://biggerpocketsmoney.com/podcast/teacher-44k-year-income-fires-in-10-years-making-the-right-sacrifices/</link>
	<pubDate>Fri, 04 Apr 2025 11:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">96b06f22-760b-11ef-8eaf-77d2e63c1fd9</guid>
	<description><![CDATA[You may not make six figures, but you want to achieve FIRE and retire early. You might be struggling to get by, let alone saving and investing to hit your FIRE number. If it seems impossible, you should take a page from Bryce Stewart’s book. He was a sixth-grade school teacher, making $44,000/year, underwater on [&#8230;]]]></description>
	<itunes:subtitle><![CDATA[You may not make six figures, but you want to achieve FIRE and retire early. You might be struggling to get by, let alone saving and investing to hit your FIRE number. If it seems impossible, you should take a page from Bryce Stewart’s book. He was a six]]></itunes:subtitle>
	<content:encoded><![CDATA[You may not make six figures, but you want to achieve FIRE and retire early. You might be struggling to get by, let alone saving and investing to hit your FIRE number. If it seems impossible, you should take a page from Bryce Stewart’s book. He was a sixth-grade school teacher, making $44,000/year, underwater on [&#8230;]]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC1187929327.mp3" length="68602704" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[You may not make six figures, but you want to achieve FIRE and retire early. You might be struggling to get by, let alone saving and investing to hit your FIRE number. If it seems impossible, you should take a page from Bryce Stewart’s book. He was a sixth-grade school teacher, making $44,000/year, underwater on [&#8230;]]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[You may not make six figures, but you want to achieve FIRE and retire early. You might be struggling to get by, let alone saving and investing to hit your FIRE number. If it seems impossible, you should take a page from Bryce Stewart’s book. He was a sixth-grade school teacher, making $44,000/year, underwater on [&#8230;]]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>FIRE at 50 by Creating “FI Paychecks” That Fund My Early Retirement! &#124; Life After FIRE</title>
	<link>https://biggerpocketsmoney.com/podcast/fire-at-50-by-creating-fi-paychecks-that-fund-my-early-retirement-life-after-fire/</link>
	<pubDate>Wed, 02 Apr 2025 11:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">2c50ee4e-0fae-11f0-9ea0-4b4bff5f7a8a</guid>
	<description><![CDATA[Would you delay your early retirement for years to feel safer and secure once you FIRE? That’s what Mark Trautman did, FIRE-ing before discovering the FIRE movement was even a thing. While he could have retired in his 40s, Mark pushed his retirement date to 50, retiring with a conservative withdrawal schedule that even beats [&#8230;]]]></description>
	<itunes:subtitle><![CDATA[Would you delay your early retirement for years to feel safer and secure once you FIRE? That’s what Mark Trautman did, FIRE-ing before discovering the FIRE movement was even a thing. While he could have retired in his 40s, Mark pushed his retirement date]]></itunes:subtitle>
	<content:encoded><![CDATA[Would you delay your early retirement for years to feel safer and secure once you FIRE? That’s what Mark Trautman did, FIRE-ing before discovering the FIRE movement was even a thing. While he could have retired in his 40s, Mark pushed his retirement date to 50, retiring with a conservative withdrawal schedule that even beats [&#8230;]]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC7092205478.mp3" length="66552026" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[Would you delay your early retirement for years to feel safer and secure once you FIRE? That’s what Mark Trautman did, FIRE-ing before discovering the FIRE movement was even a thing. While he could have retired in his 40s, Mark pushed his retirement date to 50, retiring with a conservative withdrawal schedule that even beats [&#8230;]]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[Would you delay your early retirement for years to feel safer and secure once you FIRE? That’s what Mark Trautman did, FIRE-ing before discovering the FIRE movement was even a thing. While he could have retired in his 40s, Mark pushed his retirement date to 50, retiring with a conservative withdrawal schedule that even beats [&#8230;]]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>Barista FIRE at 36 with ONLY $500K by Trading “Stuff” for Substance</title>
	<link>https://biggerpocketsmoney.com/podcast/barista-fire-at-36-with-only-500k-by-trading-stuff-for-substance/</link>
	<pubDate>Tue, 01 Apr 2025 11:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">96780d94-760b-11ef-8eaf-3befcd0f2c7b</guid>
	<description><![CDATA[Julie Rose “semi-retired” at just 36 years old with only $500K, trading her corporate job for sunrise safaris in Africa, beach walks in Bali, and mid-day hikes in Mexico.  With “Barista FIRE,” you can retire with a lower FIRE number, still work (minimally) doing what you love, and have almost complete time freedom over your [&#8230;]]]></description>
	<itunes:subtitle><![CDATA[Julie Rose “semi-retired” at just 36 years old with only $500K, trading her corporate job for sunrise safaris in Africa, beach walks in Bali, and mid-day hikes in Mexico.  With “Barista FIRE,” you can retire with a lower FIRE number, still work (minimall]]></itunes:subtitle>
	<content:encoded><![CDATA[Julie Rose “semi-retired” at just 36 years old with only $500K, trading her corporate job for sunrise safaris in Africa, beach walks in Bali, and mid-day hikes in Mexico.  With “Barista FIRE,” you can retire with a lower FIRE number, still work (minimally) doing what you love, and have almost complete time freedom over your [&#8230;]]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC8568440913.mp3" length="73433865" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[Julie Rose “semi-retired” at just 36 years old with only $500K, trading her corporate job for sunrise safaris in Africa, beach walks in Bali, and mid-day hikes in Mexico.  With “Barista FIRE,” you can retire with a lower FIRE number, still work (minimally) doing what you love, and have almost complete time freedom over your [&#8230;]]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[Julie Rose “semi-retired” at just 36 years old with only $500K, trading her corporate job for sunrise safaris in Africa, beach walks in Bali, and mid-day hikes in Mexico.  With “Barista FIRE,” you can retire with a lower FIRE number, still work (minimally) doing what you love, and have almost complete time freedom over your [&#8230;]]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>Can Your FIRE Portfolio Survive a Stock Market Crash?</title>
	<link>https://biggerpocketsmoney.com/podcast/can-your-fire-portfolio-survive-a-stock-market-crash/</link>
	<pubDate>Fri, 28 Mar 2025 11:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">963e67b0-760b-11ef-8eaf-877dbccf101b</guid>
	<description><![CDATA[The stock market is shifting, and your portfolio needs to change NOW if you want to reach or stay FIRE (financial independence, retire early). Many early retirees are sitting anxiously, watching their net worth fall by 10% (or more), making each withdrawal from their portfolio increasingly risky. If you’re close to financial independence or are [&#8230;]]]></description>
	<itunes:subtitle><![CDATA[The stock market is shifting, and your portfolio needs to change NOW if you want to reach or stay FIRE (financial independence, retire early). Many early retirees are sitting anxiously, watching their net worth fall by 10% (or more), making each withdraw]]></itunes:subtitle>
	<content:encoded><![CDATA[The stock market is shifting, and your portfolio needs to change NOW if you want to reach or stay FIRE (financial independence, retire early). Many early retirees are sitting anxiously, watching their net worth fall by 10% (or more), making each withdrawal from their portfolio increasingly risky. If you’re close to financial independence or are [&#8230;]]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC3793888626.mp3" length="66165788" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[The stock market is shifting, and your portfolio needs to change NOW if you want to reach or stay FIRE (financial independence, retire early). Many early retirees are sitting anxiously, watching their net worth fall by 10% (or more), making each withdrawal from their portfolio increasingly risky. If you’re close to financial independence or are [&#8230;]]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[The stock market is shifting, and your portfolio needs to change NOW if you want to reach or stay FIRE (financial independence, retire early). Many early retirees are sitting anxiously, watching their net worth fall by 10% (or more), making each withdrawal from their portfolio increasingly risky. If you’re close to financial independence or are [&#8230;]]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>When You Should (and Shouldn’t) Hire a Financial Advisor &#124; Life After FIRE</title>
	<link>https://biggerpocketsmoney.com/podcast/when-you-should-and-shouldnt-hire-a-financial-advisor-life-after-fire/</link>
	<pubDate>Wed, 26 Mar 2025 11:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">5784547c-0aa7-11f0-b77c-7384b9ac36c6</guid>
	<description><![CDATA[Could hiring a financial advisor help you reach financial independence and retire early? This isn’t a popular move in the FIRE community, but it gave today’s guest peace of mind, preserved her wealth, and helped her save on taxes in retirement. Stick around to learn if it’s the right choice for you, too!   Welcome [&#8230;]]]></description>
	<itunes:subtitle><![CDATA[Could hiring a financial advisor help you reach financial independence and retire early? This isn’t a popular move in the FIRE community, but it gave today’s guest peace of mind, preserved her wealth, and helped her save on taxes in retirement. Stick aro]]></itunes:subtitle>
	<content:encoded><![CDATA[Could hiring a financial advisor help you reach financial independence and retire early? This isn’t a popular move in the FIRE community, but it gave today’s guest peace of mind, preserved her wealth, and helped her save on taxes in retirement. Stick around to learn if it’s the right choice for you, too!   Welcome [&#8230;]]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC9783630906.mp3" length="67689178" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[Could hiring a financial advisor help you reach financial independence and retire early? This isn’t a popular move in the FIRE community, but it gave today’s guest peace of mind, preserved her wealth, and helped her save on taxes in retirement. Stick around to learn if it’s the right choice for you, too!   Welcome [&#8230;]]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[Could hiring a financial advisor help you reach financial independence and retire early? This isn’t a popular move in the FIRE community, but it gave today’s guest peace of mind, preserved her wealth, and helped her save on taxes in retirement. Stick around to learn if it’s the right choice for you, too!   Welcome [&#8230;]]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>Motley Fool’s Ricky Mulvey: Why I’m Buying MORE Stocks Despite Growing Recession Risk</title>
	<link>https://biggerpocketsmoney.com/podcast/motley-fools-ricky-mulvey-why-im-buying-more-stocks-despite-growing-recession-risk/</link>
	<pubDate>Tue, 25 Mar 2025 11:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">95963130-760b-11ef-8eaf-1b11d69c0284</guid>
	<description><![CDATA[Are we headed right for a recession, or are stocks on sale? We don’t own a crystal ball, but Ricky Mulvey from The Motley Fool is capitalizing on the recent stock market swing by loading up on some of his favorite equities. Stay tuned to find out if now is an ideal time for YOU [&#8230;]]]></description>
	<itunes:subtitle><![CDATA[Are we headed right for a recession, or are stocks on sale? We don’t own a crystal ball, but Ricky Mulvey from The Motley Fool is capitalizing on the recent stock market swing by loading up on some of his favorite equities. Stay tuned to find out if now ]]></itunes:subtitle>
	<content:encoded><![CDATA[Are we headed right for a recession, or are stocks on sale? We don’t own a crystal ball, but Ricky Mulvey from The Motley Fool is capitalizing on the recent stock market swing by loading up on some of his favorite equities. Stay tuned to find out if now is an ideal time for YOU [&#8230;]]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC8118089351.mp3" length="80814084" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[Are we headed right for a recession, or are stocks on sale? We don’t own a crystal ball, but Ricky Mulvey from The Motley Fool is capitalizing on the recent stock market swing by loading up on some of his favorite equities. Stay tuned to find out if now is an ideal time for YOU [&#8230;]]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[Are we headed right for a recession, or are stocks on sale? We don’t own a crystal ball, but Ricky Mulvey from The Motley Fool is capitalizing on the recent stock market swing by loading up on some of his favorite equities. Stay tuned to find out if now is an ideal time for YOU [&#8230;]]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>Is the 4% Rule Dead?</title>
	<link>https://biggerpocketsmoney.com/podcast/is-the-4-rule-dead/</link>
	<pubDate>Fri, 21 Mar 2025 11:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">9606ba18-760b-11ef-8eaf-871bea33708d</guid>
	<description><![CDATA[Is the 4% rule dead? Most FIRE-chasers are using this retirement rule completely wrong, and it could cost them their financial freedom. With stock prices falling and many Americans fearing another recession, now is the time to tighten up your retirement portfolio and ensure you can survive if stock prices correct or crash. If you [&#8230;]]]></description>
	<itunes:subtitle><![CDATA[Is the 4% rule dead? Most FIRE-chasers are using this retirement rule completely wrong, and it could cost them their financial freedom. With stock prices falling and many Americans fearing another recession, now is the time to tighten up your retirement ]]></itunes:subtitle>
	<content:encoded><![CDATA[Is the 4% rule dead? Most FIRE-chasers are using this retirement rule completely wrong, and it could cost them their financial freedom. With stock prices falling and many Americans fearing another recession, now is the time to tighten up your retirement portfolio and ensure you can survive if stock prices correct or crash. If you [&#8230;]]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC3505105699.mp3" length="63475496" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[Is the 4% rule dead? Most FIRE-chasers are using this retirement rule completely wrong, and it could cost them their financial freedom. With stock prices falling and many Americans fearing another recession, now is the time to tighten up your retirement portfolio and ensure you can survive if stock prices correct or crash. If you [&#8230;]]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[Is the 4% rule dead? Most FIRE-chasers are using this retirement rule completely wrong, and it could cost them their financial freedom. With stock prices falling and many Americans fearing another recession, now is the time to tighten up your retirement portfolio and ensure you can survive if stock prices correct or crash. If you [&#8230;]]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>Losing $150K, Starting Over, and STILL Retiring Early &#124; Life After FIRE</title>
	<link>https://biggerpocketsmoney.com/podcast/losing-150k-starting-over-and-still-retiring-early-life-after-fire/</link>
	<pubDate>Wed, 19 Mar 2025 11:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">431f6d78-04ad-11f0-a7f0-6b52bfbd20ca</guid>
	<description><![CDATA[Think you’ve blown your chances of achieving FIRE? You haven’t! Just ask Nik Johnson, who spent years growing his nest egg, only to have it completely wiped out with one bad financial decision. Despite losing everything, he managed to rebuild it from ground zero and still retire early! Welcome to another episode of “Life After [&#8230;]]]></description>
	<itunes:subtitle><![CDATA[Think you’ve blown your chances of achieving FIRE? You haven’t! Just ask Nik Johnson, who spent years growing his nest egg, only to have it completely wiped out with one bad financial decision. Despite losing everything, he managed to rebuild it from gro]]></itunes:subtitle>
	<content:encoded><![CDATA[Think you’ve blown your chances of achieving FIRE? You haven’t! Just ask Nik Johnson, who spent years growing his nest egg, only to have it completely wiped out with one bad financial decision. Despite losing everything, he managed to rebuild it from ground zero and still retire early! Welcome to another episode of “Life After [&#8230;]]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC4318962771.mp3" length="53545731" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[Think you’ve blown your chances of achieving FIRE? You haven’t! Just ask Nik Johnson, who spent years growing his nest egg, only to have it completely wiped out with one bad financial decision. Despite losing everything, he managed to rebuild it from ground zero and still retire early! Welcome to another episode of “Life After [&#8230;]]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[Think you’ve blown your chances of achieving FIRE? You haven’t! Just ask Nik Johnson, who spent years growing his nest egg, only to have it completely wiped out with one bad financial decision. Despite losing everything, he managed to rebuild it from ground zero and still retire early! Welcome to another episode of “Life After [&#8230;]]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>How to Stay Rich During FIRE by Dodging the 4 Financial “Horsemen”</title>
	<link>https://biggerpocketsmoney.com/podcast/how-to-stay-rich-during-fire-by-dodging-the-4-financial-horsemen/</link>
	<pubDate>Tue, 18 Mar 2025 11:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">955ff0e8-760b-11ef-8eaf-af08790b72ef</guid>
	<description><![CDATA[You’ve worked so hard to finally achieve FIRE (financial independence, retire early); the last thing you want is your wealth to dwindle or disappear entirely. Unknown to most FIRE-chasers, four financial “horsemen” (of the personal finance apocalypse) could steal your wealth right out from under you, without you even realizing it. What are the four [&#8230;]]]></description>
	<itunes:subtitle><![CDATA[You’ve worked so hard to finally achieve FIRE (financial independence, retire early); the last thing you want is your wealth to dwindle or disappear entirely. Unknown to most FIRE-chasers, four financial “horsemen” (of the personal finance apocalypse) co]]></itunes:subtitle>
	<content:encoded><![CDATA[You’ve worked so hard to finally achieve FIRE (financial independence, retire early); the last thing you want is your wealth to dwindle or disappear entirely. Unknown to most FIRE-chasers, four financial “horsemen” (of the personal finance apocalypse) could steal your wealth right out from under you, without you even realizing it. What are the four [&#8230;]]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC4049195382.mp3" length="76083531" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[You’ve worked so hard to finally achieve FIRE (financial independence, retire early); the last thing you want is your wealth to dwindle or disappear entirely. Unknown to most FIRE-chasers, four financial “horsemen” (of the personal finance apocalypse) could steal your wealth right out from under you, without you even realizing it. What are the four [&#8230;]]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[You’ve worked so hard to finally achieve FIRE (financial independence, retire early); the last thing you want is your wealth to dwindle or disappear entirely. Unknown to most FIRE-chasers, four financial “horsemen” (of the personal finance apocalypse) could steal your wealth right out from under you, without you even realizing it. What are the four [&#8230;]]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>Can I Hit Financial Independence by 50 with THIS FI Number? (Finance Friday)</title>
	<link>https://biggerpocketsmoney.com/podcast/can-i-hit-financial-independence-by-50-with-this-fi-number-finance-friday/</link>
	<pubDate>Fri, 14 Mar 2025 11:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
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	<description><![CDATA[Is your FI number TOO high? Whether you are ultra-conservative with your finances or want a lavish retirement lifestyle, setting a high bar could make your financial independence journey much harder…but not impossible. Today, we’ll provide a roadmap for building massive wealth! Welcome back to the BiggerPockets Money podcast! With a six-figure income and a [&#8230;]]]></description>
	<itunes:subtitle><![CDATA[Is your FI number TOO high? Whether you are ultra-conservative with your finances or want a lavish retirement lifestyle, setting a high bar could make your financial independence journey much harder…but not impossible. Today, we’ll provide a roadmap for ]]></itunes:subtitle>
	<content:encoded><![CDATA[Is your FI number TOO high? Whether you are ultra-conservative with your finances or want a lavish retirement lifestyle, setting a high bar could make your financial independence journey much harder…but not impossible. Today, we’ll provide a roadmap for building massive wealth! Welcome back to the BiggerPockets Money podcast! With a six-figure income and a [&#8230;]]]></content:encoded>
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	<itunes:summary><![CDATA[Is your FI number TOO high? Whether you are ultra-conservative with your finances or want a lavish retirement lifestyle, setting a high bar could make your financial independence journey much harder…but not impossible. Today, we’ll provide a roadmap for building massive wealth! Welcome back to the BiggerPockets Money podcast! With a six-figure income and a [&#8230;]]]></itunes:summary>
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	<itunes:block>no</itunes:block>
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	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[Is your FI number TOO high? Whether you are ultra-conservative with your finances or want a lavish retirement lifestyle, setting a high bar could make your financial independence journey much harder…but not impossible. Today, we’ll provide a roadmap for building massive wealth! Welcome back to the BiggerPockets Money podcast! With a six-figure income and a [&#8230;]]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>Ditch Corporate! Start Taking the “Slow” Path to Retirement w/Tae Kim &#124; Life After FIRE</title>
	<link>https://biggerpocketsmoney.com/podcast/ditch-corporate-start-taking-the-slow-path-to-retirement-w-tae-kim-life-after-fire/</link>
	<pubDate>Wed, 12 Mar 2025 11:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">048efd7a-f527-11ef-aaac-ab0bddefbfb3</guid>
	<description><![CDATA[The “death march to FI” isn’t for everyone. If you’re tired of climbing the corporate ladder or lacking a sense of purpose at your W2 job, it’s not too late to escape the rat race and design the life you want, just like the “Financial Tortoise,” Tae Kim, did! In this episode of “Life After [&#8230;]]]></description>
	<itunes:subtitle><![CDATA[The “death march to FI” isn’t for everyone. If you’re tired of climbing the corporate ladder or lacking a sense of purpose at your W2 job, it’s not too late to escape the rat race and design the life you want, just like the “Financial Tortoise,” Tae Kim,]]></itunes:subtitle>
	<content:encoded><![CDATA[The “death march to FI” isn’t for everyone. If you’re tired of climbing the corporate ladder or lacking a sense of purpose at your W2 job, it’s not too late to escape the rat race and design the life you want, just like the “Financial Tortoise,” Tae Kim, did! In this episode of “Life After [&#8230;]]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC8639700121.mp3" length="57492835" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[The “death march to FI” isn’t for everyone. If you’re tired of climbing the corporate ladder or lacking a sense of purpose at your W2 job, it’s not too late to escape the rat race and design the life you want, just like the “Financial Tortoise,” Tae Kim, did! In this episode of “Life After [&#8230;]]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[The “death march to FI” isn’t for everyone. If you’re tired of climbing the corporate ladder or lacking a sense of purpose at your W2 job, it’s not too late to escape the rat race and design the life you want, just like the “Financial Tortoise,” Tae Kim, did! In this episode of “Life After [&#8230;]]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>How the Top 1% Invest (and How Do YOU Compare?)</title>
	<link>https://biggerpocketsmoney.com/podcast/how-the-top-1-invest-and-how-do-you-compare/</link>
	<pubDate>Tue, 11 Mar 2025 11:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">9529c202-760b-11ef-8eaf-8380c19a4805</guid>
	<description><![CDATA[How do the top 1% of Americans invest their money, and how do your investments compare? We’re breaking down the data, showing what the wealthiest Americans are invested in and how to copy their 1% portfolio so you can invest like the ultra-wealthy. To be in the top 1% of Americans, you must have at [&#8230;]]]></description>
	<itunes:subtitle><![CDATA[How do the top 1% of Americans invest their money, and how do your investments compare? We’re breaking down the data, showing what the wealthiest Americans are invested in and how to copy their 1% portfolio so you can invest like the ultra-wealthy. To be]]></itunes:subtitle>
	<content:encoded><![CDATA[How do the top 1% of Americans invest their money, and how do your investments compare? We’re breaking down the data, showing what the wealthiest Americans are invested in and how to copy their 1% portfolio so you can invest like the ultra-wealthy. To be in the top 1% of Americans, you must have at [&#8230;]]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC8577467490.mp3" length="65957114" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[How do the top 1% of Americans invest their money, and how do your investments compare? We’re breaking down the data, showing what the wealthiest Americans are invested in and how to copy their 1% portfolio so you can invest like the ultra-wealthy. To be in the top 1% of Americans, you must have at [&#8230;]]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[How do the top 1% of Americans invest their money, and how do your investments compare? We’re breaking down the data, showing what the wealthiest Americans are invested in and how to copy their 1% portfolio so you can invest like the ultra-wealthy. To be in the top 1% of Americans, you must have at [&#8230;]]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>Are You Headed for FIRE or the Middle-Class Trap? (Finance Friday)</title>
	<link>https://biggerpocketsmoney.com/podcast/are-you-headed-for-fire-or-the-middle-class-trap-finance-friday/</link>
	<pubDate>Fri, 07 Mar 2025 12:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">94bd6ac6-760b-11ef-8eaf-8f7742229cb4</guid>
	<description><![CDATA[If there’s an issue that keeps aspiring early retirees up at night, it’s the dreaded middle-class trap. At just 28 years old, this financially savvy couple is already looking for ways to avoid this issue. Whether you’re just starting your FIRE journey or approaching early retirement, we’ll show you how to do the same in [&#8230;]]]></description>
	<itunes:subtitle><![CDATA[If there’s an issue that keeps aspiring early retirees up at night, it’s the dreaded middle-class trap. At just 28 years old, this financially savvy couple is already looking for ways to avoid this issue. Whether you’re just starting your FIRE journey or]]></itunes:subtitle>
	<content:encoded><![CDATA[If there’s an issue that keeps aspiring early retirees up at night, it’s the dreaded middle-class trap. At just 28 years old, this financially savvy couple is already looking for ways to avoid this issue. Whether you’re just starting your FIRE journey or approaching early retirement, we’ll show you how to do the same in [&#8230;]]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC3445285413.mp3" length="81440668" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[If there’s an issue that keeps aspiring early retirees up at night, it’s the dreaded middle-class trap. At just 28 years old, this financially savvy couple is already looking for ways to avoid this issue. Whether you’re just starting your FIRE journey or approaching early retirement, we’ll show you how to do the same in [&#8230;]]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[If there’s an issue that keeps aspiring early retirees up at night, it’s the dreaded middle-class trap. At just 28 years old, this financially savvy couple is already looking for ways to avoid this issue. Whether you’re just starting your FIRE journey or approaching early retirement, we’ll show you how to do the same in [&#8230;]]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>The Tax-Free Retirement Strategy 95% of Americans Don’t Know About</title>
	<link>https://biggerpocketsmoney.com/podcast/the-tax-free-retirement-strategy-95-of-americans-dont-know-about/</link>
	<pubDate>Tue, 04 Mar 2025 12:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">94f327f6-760b-11ef-8eaf-63dd7577b8b2</guid>
	<description><![CDATA[The wealthy are using one unique retirement account to build their fortunes tax-free. You may have never heard of it, but knowing about it can change the course of your retirement planning, allowing you to invest in much more than stocks, index funds, and bonds in your retirement accounts.  We’re talking about making passive real [&#8230;]]]></description>
	<itunes:subtitle><![CDATA[The wealthy are using one unique retirement account to build their fortunes tax-free. You may have never heard of it, but knowing about it can change the course of your retirement planning, allowing you to invest in much more than stocks, index funds, an]]></itunes:subtitle>
	<content:encoded><![CDATA[The wealthy are using one unique retirement account to build their fortunes tax-free. You may have never heard of it, but knowing about it can change the course of your retirement planning, allowing you to invest in much more than stocks, index funds, and bonds in your retirement accounts.  We’re talking about making passive real [&#8230;]]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC8134173287.mp3" length="95897330" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[The wealthy are using one unique retirement account to build their fortunes tax-free. You may have never heard of it, but knowing about it can change the course of your retirement planning, allowing you to invest in much more than stocks, index funds, and bonds in your retirement accounts.  We’re talking about making passive real [&#8230;]]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[The wealthy are using one unique retirement account to build their fortunes tax-free. You may have never heard of it, but knowing about it can change the course of your retirement planning, allowing you to invest in much more than stocks, index funds, and bonds in your retirement accounts.  We’re talking about making passive real [&#8230;]]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>Scott and Virginia Trench Talk Goal Setting, Spending, Prenups, and Future Plans</title>
	<link>https://biggerpocketsmoney.com/podcast/scott-and-virginia-trench-talk-goal-setting-spending-prenups-and-future-plans/</link>
	<pubDate>Fri, 28 Feb 2025 12:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">9486f6f8-760b-11ef-8eaf-cbc2cc041164</guid>
	<description><![CDATA[How has Scott achieved so much financial success already in his early 30s? He’s got a secret weapon nobody else has: Virginia Trench! That’s right, the woman behind half of the puns you hear on this podcast is coming on the show! She&#8217;s sharing her view on Scott’s early (and extreme) frugality, massively successful financial [&#8230;]]]></description>
	<itunes:subtitle><![CDATA[How has Scott achieved so much financial success already in his early 30s? He’s got a secret weapon nobody else has: Virginia Trench! That’s right, the woman behind half of the puns you hear on this podcast is coming on the show! She&#8217;s sharing her ]]></itunes:subtitle>
	<content:encoded><![CDATA[How has Scott achieved so much financial success already in his early 30s? He’s got a secret weapon nobody else has: Virginia Trench! That’s right, the woman behind half of the puns you hear on this podcast is coming on the show! She&#8217;s sharing her view on Scott’s early (and extreme) frugality, massively successful financial [&#8230;]]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC9862977364.mp3" length="62267245" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[How has Scott achieved so much financial success already in his early 30s? He’s got a secret weapon nobody else has: Virginia Trench! That’s right, the woman behind half of the puns you hear on this podcast is coming on the show! She&#8217;s sharing her view on Scott’s early (and extreme) frugality, massively successful financial [&#8230;]]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[How has Scott achieved so much financial success already in his early 30s? He’s got a secret weapon nobody else has: Virginia Trench! That’s right, the woman behind half of the puns you hear on this podcast is coming on the show! She&#8217;s sharing her view on Scott’s early (and extreme) frugality, massively successful financial [&#8230;]]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>Teacher Retires Early at 45 Thanks to Strategic Living (FIRE in Paradise!)</title>
	<link>https://biggerpocketsmoney.com/podcast/teacher-retires-early-at-45-thanks-to-strategic-living-fire-in-paradise/</link>
	<pubDate>Tue, 25 Feb 2025 09:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
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	<description><![CDATA[Teachers aren’t known for their high salaries, so how did this one reach early retirement and FIRE at just 45 years old? Through “aggressive” saving and smart cost-of-living choices, Amy Minkley was able to quit her demanding international teaching job only three years after finding out about the FIRE movement. Now, she spends her days [&#8230;]]]></description>
	<itunes:subtitle><![CDATA[Teachers aren’t known for their high salaries, so how did this one reach early retirement and FIRE at just 45 years old? Through “aggressive” saving and smart cost-of-living choices, Amy Minkley was able to quit her demanding international teaching job o]]></itunes:subtitle>
	<content:encoded><![CDATA[Teachers aren’t known for their high salaries, so how did this one reach early retirement and FIRE at just 45 years old? Through “aggressive” saving and smart cost-of-living choices, Amy Minkley was able to quit her demanding international teaching job only three years after finding out about the FIRE movement. Now, she spends her days [&#8230;]]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC1553929888.mp3" length="87987697" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[Teachers aren’t known for their high salaries, so how did this one reach early retirement and FIRE at just 45 years old? Through “aggressive” saving and smart cost-of-living choices, Amy Minkley was able to quit her demanding international teaching job only three years after finding out about the FIRE movement. Now, she spends her days [&#8230;]]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[Teachers aren’t known for their high salaries, so how did this one reach early retirement and FIRE at just 45 years old? Through “aggressive” saving and smart cost-of-living choices, Amy Minkley was able to quit her demanding international teaching job only three years after finding out about the FIRE movement. Now, she spends her days [&#8230;]]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>Finance Friday: Chasing FIRE by 35 WHILE Supporting Extra Family Members</title>
	<link>https://biggerpocketsmoney.com/podcast/finance-friday-chasing-fire-by-35-while-supporting-extra-family-members/</link>
	<pubDate>Fri, 21 Feb 2025 09:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">94505602-760b-11ef-8eaf-f7441c2c80eb</guid>
	<description><![CDATA[Is something stopping your FIRE? Today’s guest wants to retire early at 35, but with a shaky budget, extra expenses, and a problematic rental property, her path to early retirement isn’t clear. In today’s episode, we’ll break down her finances and help her get back on track! Welcome back to the BiggerPockets Money podcast! Sarah [&#8230;]]]></description>
	<itunes:subtitle><![CDATA[Is something stopping your FIRE? Today’s guest wants to retire early at 35, but with a shaky budget, extra expenses, and a problematic rental property, her path to early retirement isn’t clear. In today’s episode, we’ll break down her finances and help h]]></itunes:subtitle>
	<content:encoded><![CDATA[Is something stopping your FIRE? Today’s guest wants to retire early at 35, but with a shaky budget, extra expenses, and a problematic rental property, her path to early retirement isn’t clear. In today’s episode, we’ll break down her finances and help her get back on track! Welcome back to the BiggerPockets Money podcast! Sarah [&#8230;]]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC2657171455.mp3" length="96823231" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[Is something stopping your FIRE? Today’s guest wants to retire early at 35, but with a shaky budget, extra expenses, and a problematic rental property, her path to early retirement isn’t clear. In today’s episode, we’ll break down her finances and help her get back on track! Welcome back to the BiggerPockets Money podcast! Sarah [&#8230;]]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[Is something stopping your FIRE? Today’s guest wants to retire early at 35, but with a shaky budget, extra expenses, and a problematic rental property, her path to early retirement isn’t clear. In today’s episode, we’ll break down her finances and help her get back on track! Welcome back to the BiggerPockets Money podcast! Sarah [&#8230;]]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>CPA Shares Tax Tips to Lower Your 2024 (Yes, 2024) Taxes</title>
	<link>https://biggerpocketsmoney.com/podcast/cpa-shares-tax-tips-to-lower-your-2024-yes-2024-taxes/</link>
	<pubDate>Tue, 18 Feb 2025 09:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">93757f1e-760b-11ef-8eaf-276b04b0d8b8</guid>
	<description><![CDATA[2024 may be long gone, but it’s NOT too late to lower your taxes for the previous year. If you have real estate or retirement accounts, you already hold the key to minimizing your taxable income and owing less to Uncle Sam. But how do you do it? We’re sharing 2024 and 2025 top tax reduction strategies in today’s show with expert CPA and real estate investor Amanda Han!  Do you know about the real estate tax “loophole” that helps everyday investors cut their taxable income by tens of thousands? Got an employer-contributed retirement plan? You could STILL use it to lower your 2024 taxes! And why should you NOT take the standard deduction if you’ve bought a home in the past few years? We’re answering all of these questions so you can keep more of your hard-earned money.  Finally, what audit red flags is Amanda seeing with her clients? There’s one easily avoidable audit trap that MANY Americans are falling into that could take just minutes to circumvent. Should we even be talking about income taxes if President Trump plans to eliminate them? Amanda, Mindy, and Scott are sharing their opinions on whether this will reach fruition.]]></description>
	<itunes:subtitle><![CDATA[2024 may be long gone, but it’s NOT too late to lower your taxes for the previous year. If you have real estate or retirement accounts, you already hold the key to minimizing your taxable income and owing less to Uncle Sam. But how do you do it? We’re sh]]></itunes:subtitle>
	<content:encoded><![CDATA[2024 may be long gone, but it’s NOT too late to lower your taxes for the previous year. If you have real estate or retirement accounts, you already hold the key to minimizing your taxable income and owing less to Uncle Sam. But how do you do it? We’re sharing 2024 and 2025 top tax reduction strategies in today’s show with expert CPA and real estate investor Amanda Han!  Do you know about the real estate tax “loophole” that helps everyday investors cut their taxable income by tens of thousands? Got an employer-contributed retirement plan? You could STILL use it to lower your 2024 taxes! And why should you NOT take the standard deduction if you’ve bought a home in the past few years? We’re answering all of these questions so you can keep more of your hard-earned money.  Finally, what audit red flags is Amanda seeing with her clients? There’s one easily avoidable audit trap that MANY Americans are falling into that could take just minutes to circumvent. Should we even be talking about income taxes if President Trump plans to eliminate them? Amanda, Mindy, and Scott are sharing their opinions on whether this will reach fruition.]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC7742377405.mp3" length="69457257" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[2024 may be long gone, but it’s NOT too late to lower your taxes for the previous year. If you have real estate or retirement accounts, you already hold the key to minimizing your taxable income and owing less to Uncle Sam. But how do you do it? We’re sharing 2024 and 2025 top tax reduction strategies in today’s show with expert CPA and real estate investor Amanda Han!  Do you know about the real estate tax “loophole” that helps everyday investors cut their taxable income by tens of thousands? Got an employer-contributed retirement plan? You could STILL use it to lower your 2024 taxes! And why should you NOT take the standard deduction if you’ve bought a home in the past few years? We’re answering all of these questions so you can keep more of your hard-earned money.  Finally, what audit red flags is Amanda seeing with her clients? There’s one easily avoidable audit trap that MANY Americans are falling into that could take just minutes to circumvent. Should we even be talking about income taxes if President Trump plans to eliminate them? Amanda, Mindy, and Scott are sharing their opinions on whether this will reach fruition.]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[2024 may be long gone, but it’s NOT too late to lower your taxes for the previous year. If you have real estate or retirement accounts, you already hold the key to minimizing your taxable income and owing less to Uncle Sam. But how do you do it? We’re sharing 2024 and 2025 top tax reduction strategies in today’s show with expert CPA and real estate investor Amanda Han!  Do you know about the real estate tax “loophole” that helps everyday investors cut their taxable income by tens of thousands? Got an employer-contributed retirement plan? You could STILL use it to lower your 2024 taxes! And why should you NOT take the standard deduction if you’ve bought a home in the past few years? We’re answering all of these questions so you can keep more of your hard-earned money.  Finally, what audit red flags is Amanda seeing with her clients? There’s one easily avoidable audit trap that MANY Americans are falling into that could take just minutes to circumvent. Should we even be talking about in]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>Has the FIRE Formula Changed? Why 100% Index Funds Isn’t the Answer</title>
	<link>https://biggerpocketsmoney.com/podcast/has-the-fire-formula-changed-why-100-index-funds-isnt-the-answer/</link>
	<pubDate>Fri, 14 Feb 2025 09:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">9419a49a-760b-11ef-8eaf-9ff6dd453d24</guid>
	<description><![CDATA[Is a 100% index fund portfolio no longer the FIRE formula? The market has changed, and maybe your portfolio allocation needs to change with it. With index funds at all-time-high prices and price-to-earnings ratios at an eye-watering 29, you might be feeling a bit worried about whether your FIRE will last or you’ll even make it to FIRE in the first place. You’re not crazy; Scott is feeling the same way, too.  Recently, Scott decided to make a move much of the FIRE community would protest—he sold 40% of his index fund portfolio to reallocate to real estate. Why did he do it now, even as a strong index fund believer? On the other hand, why is Mindy sticking with her stock and index fund portfolio, ready to ride out whatever potential market downturn could be coming our way?  Scott explains, in detail, why real estate is a better choice for him at the moment, the reason prudent FIRE chasers should question the conventional wisdom of a 100% index fund portfolio, and why his new rental property could act as a hedge against a significant market downturn. If Scott is selling his index funds, should you? ]]></description>
	<itunes:subtitle><![CDATA[Is a 100% index fund portfolio no longer the FIRE formula? The market has changed, and maybe your portfolio allocation needs to change with it. With index funds at all-time-high prices and price-to-earnings ratios at an eye-watering 29, you might be feel]]></itunes:subtitle>
	<content:encoded><![CDATA[Is a 100% index fund portfolio no longer the FIRE formula? The market has changed, and maybe your portfolio allocation needs to change with it. With index funds at all-time-high prices and price-to-earnings ratios at an eye-watering 29, you might be feeling a bit worried about whether your FIRE will last or you’ll even make it to FIRE in the first place. You’re not crazy; Scott is feeling the same way, too.  Recently, Scott decided to make a move much of the FIRE community would protest—he sold 40% of his index fund portfolio to reallocate to real estate. Why did he do it now, even as a strong index fund believer? On the other hand, why is Mindy sticking with her stock and index fund portfolio, ready to ride out whatever potential market downturn could be coming our way?  Scott explains, in detail, why real estate is a better choice for him at the moment, the reason prudent FIRE chasers should question the conventional wisdom of a 100% index fund portfolio, and why his new rental property could act as a hedge against a significant market downturn. If Scott is selling his index funds, should you? ]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC1980695289.mp3" length="56558900" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[Is a 100% index fund portfolio no longer the FIRE formula? The market has changed, and maybe your portfolio allocation needs to change with it. With index funds at all-time-high prices and price-to-earnings ratios at an eye-watering 29, you might be feeling a bit worried about whether your FIRE will last or you’ll even make it to FIRE in the first place. You’re not crazy; Scott is feeling the same way, too.  Recently, Scott decided to make a move much of the FIRE community would protest—he sold 40% of his index fund portfolio to reallocate to real estate. Why did he do it now, even as a strong index fund believer? On the other hand, why is Mindy sticking with her stock and index fund portfolio, ready to ride out whatever potential market downturn could be coming our way?  Scott explains, in detail, why real estate is a better choice for him at the moment, the reason prudent FIRE chasers should question the conventional wisdom of a 100% index fund portfolio, and why his new rental property could act as a hedge against a significant market downturn. If Scott is selling his index funds, should you? ]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[Is a 100% index fund portfolio no longer the FIRE formula? The market has changed, and maybe your portfolio allocation needs to change with it. With index funds at all-time-high prices and price-to-earnings ratios at an eye-watering 29, you might be feeling a bit worried about whether your FIRE will last or you’ll even make it to FIRE in the first place. You’re not crazy; Scott is feeling the same way, too.  Recently, Scott decided to make a move much of the FIRE community would protest—he sold 40% of his index fund portfolio to reallocate to real estate. Why did he do it now, even as a strong index fund believer? On the other hand, why is Mindy sticking with her stock and index fund portfolio, ready to ride out whatever potential market downturn could be coming our way?  Scott explains, in detail, why real estate is a better choice for him at the moment, the reason prudent FIRE chasers should question the conventional wisdom of a 100% index fund portfolio, and why his new rental prop]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>The Points Guy&#8217;s Travel Hacking Tips to Fly for FREE in 2025</title>
	<link>https://biggerpocketsmoney.com/podcast/the-points-guys-travel-hacking-tips-to-fly-for-free-in-2025/</link>
	<pubDate>Tue, 11 Feb 2025 09:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">933f1398-760b-11ef-8eaf-2712855519f9</guid>
	<description><![CDATA[Travel hacking allows you to fly and travel for free, often in luxury, without spending tens of thousands of dollars on flights or hotels. So, how do you do it without managing thirty different credit cards in your wallet? Brian Kelly, AKA The Points Guy, world-renowned travel hacking expert and author of the new book How to Win at Travel, is here to show you as we rapid-fire our top credit card rewards questions at him.  In this show, you’ll learn how to fly to Europe, Asia, and beyond for FREE, even in business class, all by spending the same amount of money you typically would every month. These cards can turn your weekly grocery run into free flights, hotel stays, cashback, and more, plus give you huge perks like airport lounge access, travel protection, and even a credit to spend on your next trip. Love free money? This is how you get it.  Plus, we’re asking The Points Guy what cards he has in HIS wallet, what he spends on which card, and why he does NOT recommend staying loyal to a specific airline, even if you travel often. These tips alone could save you thousands of dollars this year while turning your economy seat into a lie-flat first-class experience. Don’t let your money go to waste; start travel hacking!]]></description>
	<itunes:subtitle><![CDATA[Travel hacking allows you to fly and travel for free, often in luxury, without spending tens of thousands of dollars on flights or hotels. So, how do you do it without managing thirty different credit cards in your wallet? Brian Kelly, AKA The Points Guy]]></itunes:subtitle>
	<content:encoded><![CDATA[Travel hacking allows you to fly and travel for free, often in luxury, without spending tens of thousands of dollars on flights or hotels. So, how do you do it without managing thirty different credit cards in your wallet? Brian Kelly, AKA The Points Guy, world-renowned travel hacking expert and author of the new book How to Win at Travel, is here to show you as we rapid-fire our top credit card rewards questions at him.  In this show, you’ll learn how to fly to Europe, Asia, and beyond for FREE, even in business class, all by spending the same amount of money you typically would every month. These cards can turn your weekly grocery run into free flights, hotel stays, cashback, and more, plus give you huge perks like airport lounge access, travel protection, and even a credit to spend on your next trip. Love free money? This is how you get it.  Plus, we’re asking The Points Guy what cards he has in HIS wallet, what he spends on which card, and why he does NOT recommend staying loyal to a specific airline, even if you travel often. These tips alone could save you thousands of dollars this year while turning your economy seat into a lie-flat first-class experience. Don’t let your money go to waste; start travel hacking!]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC8885814560.mp3" length="71987347" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[Travel hacking allows you to fly and travel for free, often in luxury, without spending tens of thousands of dollars on flights or hotels. So, how do you do it without managing thirty different credit cards in your wallet? Brian Kelly, AKA The Points Guy, world-renowned travel hacking expert and author of the new book How to Win at Travel, is here to show you as we rapid-fire our top credit card rewards questions at him.  In this show, you’ll learn how to fly to Europe, Asia, and beyond for FREE, even in business class, all by spending the same amount of money you typically would every month. These cards can turn your weekly grocery run into free flights, hotel stays, cashback, and more, plus give you huge perks like airport lounge access, travel protection, and even a credit to spend on your next trip. Love free money? This is how you get it.  Plus, we’re asking The Points Guy what cards he has in HIS wallet, what he spends on which card, and why he does NOT recommend staying loyal to a specific airline, even if you travel often. These tips alone could save you thousands of dollars this year while turning your economy seat into a lie-flat first-class experience. Don’t let your money go to waste; start travel hacking!]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[Travel hacking allows you to fly and travel for free, often in luxury, without spending tens of thousands of dollars on flights or hotels. So, how do you do it without managing thirty different credit cards in your wallet? Brian Kelly, AKA The Points Guy, world-renowned travel hacking expert and author of the new book How to Win at Travel, is here to show you as we rapid-fire our top credit card rewards questions at him.  In this show, you’ll learn how to fly to Europe, Asia, and beyond for FREE, even in business class, all by spending the same amount of money you typically would every month. These cards can turn your weekly grocery run into free flights, hotel stays, cashback, and more, plus give you huge perks like airport lounge access, travel protection, and even a credit to spend on your next trip. Love free money? This is how you get it.  Plus, we’re asking The Points Guy what cards he has in HIS wallet, what he spends on which card, and why he does NOT recommend staying loyal t]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>The 4% Rule Naysayers Are Wrong (We Retired at 47 Using It!)</title>
	<link>https://biggerpocketsmoney.com/podcast/the-4-rule-naysayers-are-wrong-we-retired-at-47-using-it/</link>
	<pubDate>Fri, 07 Feb 2025 09:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">93e2812c-760b-11ef-8eaf-1b2bc9beb6fd</guid>
	<description><![CDATA[Does the four-percent rule actually work? On paper, yes. So why don’t more people put it to the test? Today’s guest retired at forty-seven years old and is living proof that the math really does check out. Stay tuned to find out how!  Welcome back to the BiggerPockets Money podcast! Bobby Beck has done what so many in the FIRE community are seemingly unable to do—he actually retired on the four-percent rule! What’s more? He did it while living in the Bay Area, one of the most expensive markets in the US. What gave him the confidence to leave his job and never look back? While “One More Year Syndrome” keeps many people from retiring early, Bobby’s mantra of “take a year” compelled him to take a leap of faith. Even though his retirement portfolio took a sixteen-percent hit right before he retired, he weathered the storm, and sure enough, the market rebounded!  Now, Bobby lives the life people dream of when they discover FIRE. He has a comfy lifestyle, travels multiple times a year, and only checks his portfolio once a month. If you need the motivation to call time on your career and put your retirement date on the calendar, you don’t want to miss this episode!]]></description>
	<itunes:subtitle><![CDATA[Does the four-percent rule actually work? On paper, yes. So why don’t more people put it to the test? Today’s guest retired at forty-seven years old and is living proof that the math really does check out. Stay tuned to find out how!  Welcome back to the]]></itunes:subtitle>
	<content:encoded><![CDATA[Does the four-percent rule actually work? On paper, yes. So why don’t more people put it to the test? Today’s guest retired at forty-seven years old and is living proof that the math really does check out. Stay tuned to find out how!  Welcome back to the BiggerPockets Money podcast! Bobby Beck has done what so many in the FIRE community are seemingly unable to do—he actually retired on the four-percent rule! What’s more? He did it while living in the Bay Area, one of the most expensive markets in the US. What gave him the confidence to leave his job and never look back? While “One More Year Syndrome” keeps many people from retiring early, Bobby’s mantra of “take a year” compelled him to take a leap of faith. Even though his retirement portfolio took a sixteen-percent hit right before he retired, he weathered the storm, and sure enough, the market rebounded!  Now, Bobby lives the life people dream of when they discover FIRE. He has a comfy lifestyle, travels multiple times a year, and only checks his portfolio once a month. If you need the motivation to call time on your career and put your retirement date on the calendar, you don’t want to miss this episode!]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC3933197751.mp3" length="68696909" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[Does the four-percent rule actually work? On paper, yes. So why don’t more people put it to the test? Today’s guest retired at forty-seven years old and is living proof that the math really does check out. Stay tuned to find out how!  Welcome back to the BiggerPockets Money podcast! Bobby Beck has done what so many in the FIRE community are seemingly unable to do—he actually retired on the four-percent rule! What’s more? He did it while living in the Bay Area, one of the most expensive markets in the US. What gave him the confidence to leave his job and never look back? While “One More Year Syndrome” keeps many people from retiring early, Bobby’s mantra of “take a year” compelled him to take a leap of faith. Even though his retirement portfolio took a sixteen-percent hit right before he retired, he weathered the storm, and sure enough, the market rebounded!  Now, Bobby lives the life people dream of when they discover FIRE. He has a comfy lifestyle, travels multiple times a year, and only checks his portfolio once a month. If you need the motivation to call time on your career and put your retirement date on the calendar, you don’t want to miss this episode!]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[Does the four-percent rule actually work? On paper, yes. So why don’t more people put it to the test? Today’s guest retired at forty-seven years old and is living proof that the math really does check out. Stay tuned to find out how!  Welcome back to the BiggerPockets Money podcast! Bobby Beck has done what so many in the FIRE community are seemingly unable to do—he actually retired on the four-percent rule! What’s more? He did it while living in the Bay Area, one of the most expensive markets in the US. What gave him the confidence to leave his job and never look back? While “One More Year Syndrome” keeps many people from retiring early, Bobby’s mantra of “take a year” compelled him to take a leap of faith. Even though his retirement portfolio took a sixteen-percent hit right before he retired, he weathered the storm, and sure enough, the market rebounded!  Now, Bobby lives the life people dream of when they discover FIRE. He has a comfy lifestyle, travels multiple times a year, and ]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>Sahil Bloom: The “X Factor” for Financial Freedom and Why FIRE Won’t Make You Happy</title>
	<link>https://biggerpocketsmoney.com/podcast/sahil-bloom-the-x-factor-for-financial-freedom-and-why-fire-wont-make-you-happy/</link>
	<pubDate>Tue, 04 Feb 2025 09:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">930895ac-760b-11ef-8eaf-23b23f13588d</guid>
	<description><![CDATA[Do we focus too much on just one type of wealth? What if the key to a happy life isn’t retiring early, ascending the corporate ladder, or having more money than you know what to do with? Serial entrepreneur Sahil Bloom spent years chasing money, only to find that it didn’t provide happiness—it robbed him of it. Find yourself in the same boat? This episode is for you!  Welcome back to the BiggerPockets Money podcast! Today, Sahil joins the show to discuss the core concepts from his latest book, The 5 Types of Wealth. Many FIRE-focused folks believe that financial wealth unlocks time, social, mental, and physical wealth, but Sahil is living proof that this isn’t the case. In this episode, he shares about his own journey from financial illiteracy to financial independence, the different levers he pulled along the way, and how he was able to dig himself out of a rut that was slowly destroying his life.  Whether you’re stuck on the happiness hamster wheel, burned out at your nine-to-five job, or lacking in any area beyond money, you’re not alone! Sahil will show you the “x factor” that leads to financial freedom, the best and most scalable side hustles to start, and how to transition from your W2 to entrepreneurship!]]></description>
	<itunes:subtitle><![CDATA[Do we focus too much on just one type of wealth? What if the key to a happy life isn’t retiring early, ascending the corporate ladder, or having more money than you know what to do with? Serial entrepreneur Sahil Bloom spent years chasing money, only to ]]></itunes:subtitle>
	<content:encoded><![CDATA[Do we focus too much on just one type of wealth? What if the key to a happy life isn’t retiring early, ascending the corporate ladder, or having more money than you know what to do with? Serial entrepreneur Sahil Bloom spent years chasing money, only to find that it didn’t provide happiness—it robbed him of it. Find yourself in the same boat? This episode is for you!  Welcome back to the BiggerPockets Money podcast! Today, Sahil joins the show to discuss the core concepts from his latest book, The 5 Types of Wealth. Many FIRE-focused folks believe that financial wealth unlocks time, social, mental, and physical wealth, but Sahil is living proof that this isn’t the case. In this episode, he shares about his own journey from financial illiteracy to financial independence, the different levers he pulled along the way, and how he was able to dig himself out of a rut that was slowly destroying his life.  Whether you’re stuck on the happiness hamster wheel, burned out at your nine-to-five job, or lacking in any area beyond money, you’re not alone! Sahil will show you the “x factor” that leads to financial freedom, the best and most scalable side hustles to start, and how to transition from your W2 to entrepreneurship!]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC8065400486.mp3" length="86656671" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[Do we focus too much on just one type of wealth? What if the key to a happy life isn’t retiring early, ascending the corporate ladder, or having more money than you know what to do with? Serial entrepreneur Sahil Bloom spent years chasing money, only to find that it didn’t provide happiness—it robbed him of it. Find yourself in the same boat? This episode is for you!  Welcome back to the BiggerPockets Money podcast! Today, Sahil joins the show to discuss the core concepts from his latest book, The 5 Types of Wealth. Many FIRE-focused folks believe that financial wealth unlocks time, social, mental, and physical wealth, but Sahil is living proof that this isn’t the case. In this episode, he shares about his own journey from financial illiteracy to financial independence, the different levers he pulled along the way, and how he was able to dig himself out of a rut that was slowly destroying his life.  Whether you’re stuck on the happiness hamster wheel, burned out at your nine-to-five job, or lacking in any area beyond money, you’re not alone! Sahil will show you the “x factor” that leads to financial freedom, the best and most scalable side hustles to start, and how to transition from your W2 to entrepreneurship!]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[Do we focus too much on just one type of wealth? What if the key to a happy life isn’t retiring early, ascending the corporate ladder, or having more money than you know what to do with? Serial entrepreneur Sahil Bloom spent years chasing money, only to find that it didn’t provide happiness—it robbed him of it. Find yourself in the same boat? This episode is for you!  Welcome back to the BiggerPockets Money podcast! Today, Sahil joins the show to discuss the core concepts from his latest book, The 5 Types of Wealth. Many FIRE-focused folks believe that financial wealth unlocks time, social, mental, and physical wealth, but Sahil is living proof that this isn’t the case. In this episode, he shares about his own journey from financial illiteracy to financial independence, the different levers he pulled along the way, and how he was able to dig himself out of a rut that was slowly destroying his life.  Whether you’re stuck on the happiness hamster wheel, burned out at your nine-to-five j]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>How to FIRE Faster with a Self-Directed IRA</title>
	<link>https://biggerpocketsmoney.com/podcast/how-to-fire-faster-with-a-self-directed-ira/</link>
	<pubDate>Fri, 31 Jan 2025 09:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">92ceae6e-760b-11ef-8eaf-8b8a0b46894f</guid>
	<description><![CDATA[How can you use your retirement accounts to reach FIRE faster? We’ve talked a lot about the “middle-class trap”—having too much of your net worth trapped in your retirement accounts and home equity—and we may have the secret weapon to help you escape it. Not only that, this strategy allows you to keep more of what you earn, take control of your investments, and build a (relatively) passive real estate portfolio while you get closer and closer to FIRE.  Of course, we’re talking about self-directed IRAs and Kaaren Hall’s new book, Self-Directed IRA Investing: A BiggerPockets Guide (use code “SDIRA10” for 10% off)!   Never heard of them? Self-directed IRAs (SDIRAs) are retirement accounts that give you more control over what you invest in. So, instead of just stocks and bonds, you can use your retirement funds to buy rental properties, become a passive private money lender, and invest in real estate syndications. These investments can often get higher returns than stock market averages, helping you reach your retirement goals faster!  So, how do you use it to escape the middle-class trap? Today, Kaaren shares some of the often overlooked strategies to withdraw early from your self-directed IRA so you can FIRE in your forties or fifties instead of waiting until your sixties!]]></description>
	<itunes:subtitle><![CDATA[How can you use your retirement accounts to reach FIRE faster? We’ve talked a lot about the “middle-class trap”—having too much of your net worth trapped in your retirement accounts and home equity—and we may have the secret weapon to help you escape it.]]></itunes:subtitle>
	<content:encoded><![CDATA[How can you use your retirement accounts to reach FIRE faster? We’ve talked a lot about the “middle-class trap”—having too much of your net worth trapped in your retirement accounts and home equity—and we may have the secret weapon to help you escape it. Not only that, this strategy allows you to keep more of what you earn, take control of your investments, and build a (relatively) passive real estate portfolio while you get closer and closer to FIRE.  Of course, we’re talking about self-directed IRAs and Kaaren Hall’s new book, Self-Directed IRA Investing: A BiggerPockets Guide (use code “SDIRA10” for 10% off)!   Never heard of them? Self-directed IRAs (SDIRAs) are retirement accounts that give you more control over what you invest in. So, instead of just stocks and bonds, you can use your retirement funds to buy rental properties, become a passive private money lender, and invest in real estate syndications. These investments can often get higher returns than stock market averages, helping you reach your retirement goals faster!  So, how do you use it to escape the middle-class trap? Today, Kaaren shares some of the often overlooked strategies to withdraw early from your self-directed IRA so you can FIRE in your forties or fifties instead of waiting until your sixties!]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC3854154488.mp3" length="79446640" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[How can you use your retirement accounts to reach FIRE faster? We’ve talked a lot about the “middle-class trap”—having too much of your net worth trapped in your retirement accounts and home equity—and we may have the secret weapon to help you escape it. Not only that, this strategy allows you to keep more of what you earn, take control of your investments, and build a (relatively) passive real estate portfolio while you get closer and closer to FIRE.  Of course, we’re talking about self-directed IRAs and Kaaren Hall’s new book, Self-Directed IRA Investing: A BiggerPockets Guide (use code “SDIRA10” for 10% off)!   Never heard of them? Self-directed IRAs (SDIRAs) are retirement accounts that give you more control over what you invest in. So, instead of just stocks and bonds, you can use your retirement funds to buy rental properties, become a passive private money lender, and invest in real estate syndications. These investments can often get higher returns than stock market averages, helping you reach your retirement goals faster!  So, how do you use it to escape the middle-class trap? Today, Kaaren shares some of the often overlooked strategies to withdraw early from your self-directed IRA so you can FIRE in your forties or fifties instead of waiting until your sixties!]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[How can you use your retirement accounts to reach FIRE faster? We’ve talked a lot about the “middle-class trap”—having too much of your net worth trapped in your retirement accounts and home equity—and we may have the secret weapon to help you escape it. Not only that, this strategy allows you to keep more of what you earn, take control of your investments, and build a (relatively) passive real estate portfolio while you get closer and closer to FIRE.  Of course, we’re talking about self-directed IRAs and Kaaren Hall’s new book, Self-Directed IRA Investing: A BiggerPockets Guide (use code “SDIRA10” for 10% off)!   Never heard of them? Self-directed IRAs (SDIRAs) are retirement accounts that give you more control over what you invest in. So, instead of just stocks and bonds, you can use your retirement funds to buy rental properties, become a passive private money lender, and invest in real estate syndications. These investments can often get higher returns than stock market averages, ]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>The Middle-Class Trap That Could Keep You from FIRE (How to Escape It)</title>
	<link>https://biggerpocketsmoney.com/podcast/the-middle-class-trap-that-could-keep-you-from-fire-how-to-escape-it/</link>
	<pubDate>Tue, 28 Jan 2025 09:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">91e78dcc-760b-11ef-8eaf-a3150f42db93</guid>
	<description><![CDATA[Buying a house, maxing out your 401(k), and leveraging real estate can help you achieve financial independence. But suppose your goal is to retire early. Could relying too heavily on these principles actually delay early retirement? Today, we’re going to show you how to break free from the “middle-class trap” that stops so many from retiring early!     Welcome back to the BiggerPockets Money podcast! Is most of your net worth “stuck” in home equity and retirement accounts? This is a widespread issue in the FIRE community. On one hand, you could sell your home or refinance your mortgage to tap into your equity, but interest rates are too high! Meanwhile, you can’t withdraw money from your 401(k)—not without incurring severe penalties. In theory, you could already be a millionaire but have little to no cash flow to fuel your retirement. So, what should you do?    In this episode, you’re going to learn all about the middle-class trap, how to avoid it, and, if you’re in it, how to get out! Mindy and Scott will share the “ideal” portfolio for an early retiree and the bridge accounts you need to retire today. Finally, is the FIRE community wrong about the 100% index fund portfolio? Stay tuned to find out!]]></description>
	<itunes:subtitle><![CDATA[Buying a house, maxing out your 401(k), and leveraging real estate can help you achieve financial independence. But suppose your goal is to retire early. Could relying too heavily on these principles actually delay early retirement? Today, we’re going to]]></itunes:subtitle>
	<content:encoded><![CDATA[Buying a house, maxing out your 401(k), and leveraging real estate can help you achieve financial independence. But suppose your goal is to retire early. Could relying too heavily on these principles actually delay early retirement? Today, we’re going to show you how to break free from the “middle-class trap” that stops so many from retiring early!     Welcome back to the BiggerPockets Money podcast! Is most of your net worth “stuck” in home equity and retirement accounts? This is a widespread issue in the FIRE community. On one hand, you could sell your home or refinance your mortgage to tap into your equity, but interest rates are too high! Meanwhile, you can’t withdraw money from your 401(k)—not without incurring severe penalties. In theory, you could already be a millionaire but have little to no cash flow to fuel your retirement. So, what should you do?    In this episode, you’re going to learn all about the middle-class trap, how to avoid it, and, if you’re in it, how to get out! Mindy and Scott will share the “ideal” portfolio for an early retiree and the bridge accounts you need to retire today. Finally, is the FIRE community wrong about the 100% index fund portfolio? Stay tuned to find out!]]></content:encoded>
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	<itunes:summary><![CDATA[Buying a house, maxing out your 401(k), and leveraging real estate can help you achieve financial independence. But suppose your goal is to retire early. Could relying too heavily on these principles actually delay early retirement? Today, we’re going to show you how to break free from the “middle-class trap” that stops so many from retiring early!     Welcome back to the BiggerPockets Money podcast! Is most of your net worth “stuck” in home equity and retirement accounts? This is a widespread issue in the FIRE community. On one hand, you could sell your home or refinance your mortgage to tap into your equity, but interest rates are too high! Meanwhile, you can’t withdraw money from your 401(k)—not without incurring severe penalties. In theory, you could already be a millionaire but have little to no cash flow to fuel your retirement. So, what should you do?    In this episode, you’re going to learn all about the middle-class trap, how to avoid it, and, if you’re in it, how to get out! Mindy and Scott will share the “ideal” portfolio for an early retiree and the bridge accounts you need to retire today. Finally, is the FIRE community wrong about the 100% index fund portfolio? Stay tuned to find out!]]></itunes:summary>
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	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[Buying a house, maxing out your 401(k), and leveraging real estate can help you achieve financial independence. But suppose your goal is to retire early. Could relying too heavily on these principles actually delay early retirement? Today, we’re going to show you how to break free from the “middle-class trap” that stops so many from retiring early!     Welcome back to the BiggerPockets Money podcast! Is most of your net worth “stuck” in home equity and retirement accounts? This is a widespread issue in the FIRE community. On one hand, you could sell your home or refinance your mortgage to tap into your equity, but interest rates are too high! Meanwhile, you can’t withdraw money from your 401(k)—not without incurring severe penalties. In theory, you could already be a millionaire but have little to no cash flow to fuel your retirement. So, what should you do?    In this episode, you’re going to learn all about the middle-class trap, how to avoid it, and, if you’re in it, how to get out]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
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<item>
	<title>The One Thing Most FIRE Chasers Get Wrong (and Later Regret in Retirement)</title>
	<link>https://biggerpocketsmoney.com/podcast/the-one-thing-most-fire-chasers-get-wrong-and-later-regret-in-retirement/</link>
	<pubDate>Fri, 24 Jan 2025 09:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">9290fb14-760b-11ef-8eaf-bfffc44d4162</guid>
	<description><![CDATA[Why do so many in early retirement struggle with happiness? We know you’ve told yourself, “Once I hit FIRE, I’ll be living the dream! Every day will be like a vacation.” This is what Mindy was telling herself for years before becoming financially independent, and once she hit her goal, she realized life’s same problems still exist. If you’re FI already, this may sound familiar. So, how do you enjoy the path to early retirement so that when you reach your financial goal, the party doesn’t stop?  Jordan Grumet, AKA Doc G, practiced full-time medicine for years but wasn’t completely satisfied, even with financial success. After reflecting on his “purpose,” he found that hospice medicine brought him true fulfillment. Through conversations with patients on their deathbeds, Jordan uncovered a common thread: most regrets stemmed from not living a purposeful life, regardless of financial achievement.  In his new book, The Purpose Code, Jordan walks you through exercises that uncover your view on purpose, success, financial freedom, and what it means to truly “win” in life. His goal? Make sure you enjoy every day on the path to financial freedom so that when you get there, you know exactly how to live the life you love. If you want to reach FIRE happy, less stressed, and full of energy to live your early retirement life, we’ve got what the doctor ordered.]]></description>
	<itunes:subtitle><![CDATA[Why do so many in early retirement struggle with happiness? We know you’ve told yourself, “Once I hit FIRE, I’ll be living the dream! Every day will be like a vacation.” This is what Mindy was telling herself for years before becoming financially indepen]]></itunes:subtitle>
	<content:encoded><![CDATA[Why do so many in early retirement struggle with happiness? We know you’ve told yourself, “Once I hit FIRE, I’ll be living the dream! Every day will be like a vacation.” This is what Mindy was telling herself for years before becoming financially independent, and once she hit her goal, she realized life’s same problems still exist. If you’re FI already, this may sound familiar. So, how do you enjoy the path to early retirement so that when you reach your financial goal, the party doesn’t stop?  Jordan Grumet, AKA Doc G, practiced full-time medicine for years but wasn’t completely satisfied, even with financial success. After reflecting on his “purpose,” he found that hospice medicine brought him true fulfillment. Through conversations with patients on their deathbeds, Jordan uncovered a common thread: most regrets stemmed from not living a purposeful life, regardless of financial achievement.  In his new book, The Purpose Code, Jordan walks you through exercises that uncover your view on purpose, success, financial freedom, and what it means to truly “win” in life. His goal? Make sure you enjoy every day on the path to financial freedom so that when you get there, you know exactly how to live the life you love. If you want to reach FIRE happy, less stressed, and full of energy to live your early retirement life, we’ve got what the doctor ordered.]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC4428835090.mp3" length="68785452" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[Why do so many in early retirement struggle with happiness? We know you’ve told yourself, “Once I hit FIRE, I’ll be living the dream! Every day will be like a vacation.” This is what Mindy was telling herself for years before becoming financially independent, and once she hit her goal, she realized life’s same problems still exist. If you’re FI already, this may sound familiar. So, how do you enjoy the path to early retirement so that when you reach your financial goal, the party doesn’t stop?  Jordan Grumet, AKA Doc G, practiced full-time medicine for years but wasn’t completely satisfied, even with financial success. After reflecting on his “purpose,” he found that hospice medicine brought him true fulfillment. Through conversations with patients on their deathbeds, Jordan uncovered a common thread: most regrets stemmed from not living a purposeful life, regardless of financial achievement.  In his new book, The Purpose Code, Jordan walks you through exercises that uncover your view on purpose, success, financial freedom, and what it means to truly “win” in life. His goal? Make sure you enjoy every day on the path to financial freedom so that when you get there, you know exactly how to live the life you love. If you want to reach FIRE happy, less stressed, and full of energy to live your early retirement life, we’ve got what the doctor ordered.]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
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	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[Why do so many in early retirement struggle with happiness? We know you’ve told yourself, “Once I hit FIRE, I’ll be living the dream! Every day will be like a vacation.” This is what Mindy was telling herself for years before becoming financially independent, and once she hit her goal, she realized life’s same problems still exist. If you’re FI already, this may sound familiar. So, how do you enjoy the path to early retirement so that when you reach your financial goal, the party doesn’t stop?  Jordan Grumet, AKA Doc G, practiced full-time medicine for years but wasn’t completely satisfied, even with financial success. After reflecting on his “purpose,” he found that hospice medicine brought him true fulfillment. Through conversations with patients on their deathbeds, Jordan uncovered a common thread: most regrets stemmed from not living a purposeful life, regardless of financial achievement.  In his new book, The Purpose Code, Jordan walks you through exercises that uncover your view]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
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<item>
	<title>7 Maxed Out Credit Cards to Money Expert by Making a BIG Mental Shift</title>
	<link>https://biggerpocketsmoney.com/podcast/7-maxed-out-credit-cards-to-money-expert-by-making-a-big-mental-shift/</link>
	<pubDate>Tue, 21 Jan 2025 09:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">91b4b2a8-760b-11ef-8eaf-0fac22ed8971</guid>
	<description><![CDATA[Are you building wealth but feel like you can never enjoy it? Do you struggle with money, fearing you carry the same poor financial habits as your parents? Whether you’ve got a lot of money or a little, many of us face the same mental financial challenges—anxiety, shame, and stress—but it doesn’t have to stay this way.  Today’s guest is living proof that change is possible. After completely turning his financial life around, from maxed-out credit cards, a rock-bottom credit score, repossessions, and empty bank accounts, to achieving financial success, he now teaches others how to do the same.  Steven Hughes, a money therapist, focuses on uncovering the financial beliefs shaped during childhood. Steven recognized that the negative money mindset affecting him in his youth also impacted countless others. To address this, he founded the non-profit “Know Money” to help people cultivate a stress-free, anxiety-free, and guilt-free perspective on money, empowering them to achieve true wealth—both mentally and financially.  Do you feel like, even though you’ve got money, you’re constantly worrying or unable to keep a cent in your bank account? Steven provides practical tools to help you finally break free from an unhealthy money mindset.]]></description>
	<itunes:subtitle><![CDATA[Are you building wealth but feel like you can never enjoy it? Do you struggle with money, fearing you carry the same poor financial habits as your parents? Whether you’ve got a lot of money or a little, many of us face the same mental financial challenge]]></itunes:subtitle>
	<content:encoded><![CDATA[Are you building wealth but feel like you can never enjoy it? Do you struggle with money, fearing you carry the same poor financial habits as your parents? Whether you’ve got a lot of money or a little, many of us face the same mental financial challenges—anxiety, shame, and stress—but it doesn’t have to stay this way.  Today’s guest is living proof that change is possible. After completely turning his financial life around, from maxed-out credit cards, a rock-bottom credit score, repossessions, and empty bank accounts, to achieving financial success, he now teaches others how to do the same.  Steven Hughes, a money therapist, focuses on uncovering the financial beliefs shaped during childhood. Steven recognized that the negative money mindset affecting him in his youth also impacted countless others. To address this, he founded the non-profit “Know Money” to help people cultivate a stress-free, anxiety-free, and guilt-free perspective on money, empowering them to achieve true wealth—both mentally and financially.  Do you feel like, even though you’ve got money, you’re constantly worrying or unable to keep a cent in your bank account? Steven provides practical tools to help you finally break free from an unhealthy money mindset.]]></content:encoded>
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	<itunes:summary><![CDATA[Are you building wealth but feel like you can never enjoy it? Do you struggle with money, fearing you carry the same poor financial habits as your parents? Whether you’ve got a lot of money or a little, many of us face the same mental financial challenges—anxiety, shame, and stress—but it doesn’t have to stay this way.  Today’s guest is living proof that change is possible. After completely turning his financial life around, from maxed-out credit cards, a rock-bottom credit score, repossessions, and empty bank accounts, to achieving financial success, he now teaches others how to do the same.  Steven Hughes, a money therapist, focuses on uncovering the financial beliefs shaped during childhood. Steven recognized that the negative money mindset affecting him in his youth also impacted countless others. To address this, he founded the non-profit “Know Money” to help people cultivate a stress-free, anxiety-free, and guilt-free perspective on money, empowering them to achieve true wealth—both mentally and financially.  Do you feel like, even though you’ve got money, you’re constantly worrying or unable to keep a cent in your bank account? Steven provides practical tools to help you finally break free from an unhealthy money mindset.]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
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	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[Are you building wealth but feel like you can never enjoy it? Do you struggle with money, fearing you carry the same poor financial habits as your parents? Whether you’ve got a lot of money or a little, many of us face the same mental financial challenges—anxiety, shame, and stress—but it doesn’t have to stay this way.  Today’s guest is living proof that change is possible. After completely turning his financial life around, from maxed-out credit cards, a rock-bottom credit score, repossessions, and empty bank accounts, to achieving financial success, he now teaches others how to do the same.  Steven Hughes, a money therapist, focuses on uncovering the financial beliefs shaped during childhood. Steven recognized that the negative money mindset affecting him in his youth also impacted countless others. To address this, he founded the non-profit “Know Money” to help people cultivate a stress-free, anxiety-free, and guilt-free perspective on money, empowering them to achieve true wealth—]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
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<item>
	<title>The Macro Analysis is Clear: Why We Are Reallocating (Away From Stocks) to Real Estate in 2025</title>
	<link>https://biggerpocketsmoney.com/podcast/the-macro-analysis-is-clear-why-we-are-reallocating-away-from-stocks-to-real-estate-in-2025/</link>
	<pubDate>Fri, 17 Jan 2025 09:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">925954ac-760b-11ef-8eaf-2b1556bf0f49</guid>
	<description><![CDATA[Is it a good time to invest in real estate? Yes, and we have proof that real estate may be underpriced, even as we hover around the most expensive average home prices in history. How can real estate be undervalued when prices are at historic highs? Dave is sitting down with Scott Trench, CEO of BiggerPockets, who has condensed ten hours' worth of research into one episode to prove to you that, without a doubt, real estate will be winning over the next few years. Plus, he’s about to make a BIG financial bet on it.  We’ve been talking a lot about entering the “upside” era recently—the new cycle of real estate investing—and wanted Scott’s take on it, too. He has invested in real estate for over a decade, reached financial independence through rental properties, and has been openly critical about multiple sectors of the real estate industry over the past few years.  Today, Scott makes a compelling case for real estate as a better investment than stocks, crypto, or gold. Some specific real estate niches could see prices drop even more, making 2025 (and 2026) phenomenal opportunities to buy. Make your choice: tune into this episode and build wealth while others sit on the sidelines or wish you had done so in a few years.]]></description>
	<itunes:subtitle><![CDATA[Is it a good time to invest in real estate? Yes, and we have proof that real estate may be underpriced, even as we hover around the most expensive average home prices in history. How can real estate be undervalued when prices are at historic highs? Dave ]]></itunes:subtitle>
	<content:encoded><![CDATA[Is it a good time to invest in real estate? Yes, and we have proof that real estate may be underpriced, even as we hover around the most expensive average home prices in history. How can real estate be undervalued when prices are at historic highs? Dave is sitting down with Scott Trench, CEO of BiggerPockets, who has condensed ten hours' worth of research into one episode to prove to you that, without a doubt, real estate will be winning over the next few years. Plus, he’s about to make a BIG financial bet on it.  We’ve been talking a lot about entering the “upside” era recently—the new cycle of real estate investing—and wanted Scott’s take on it, too. He has invested in real estate for over a decade, reached financial independence through rental properties, and has been openly critical about multiple sectors of the real estate industry over the past few years.  Today, Scott makes a compelling case for real estate as a better investment than stocks, crypto, or gold. Some specific real estate niches could see prices drop even more, making 2025 (and 2026) phenomenal opportunities to buy. Make your choice: tune into this episode and build wealth while others sit on the sidelines or wish you had done so in a few years.]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC3573520682.mp3" length="76981301" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[Is it a good time to invest in real estate? Yes, and we have proof that real estate may be underpriced, even as we hover around the most expensive average home prices in history. How can real estate be undervalued when prices are at historic highs? Dave is sitting down with Scott Trench, CEO of BiggerPockets, who has condensed ten hours' worth of research into one episode to prove to you that, without a doubt, real estate will be winning over the next few years. Plus, he’s about to make a BIG financial bet on it.  We’ve been talking a lot about entering the “upside” era recently—the new cycle of real estate investing—and wanted Scott’s take on it, too. He has invested in real estate for over a decade, reached financial independence through rental properties, and has been openly critical about multiple sectors of the real estate industry over the past few years.  Today, Scott makes a compelling case for real estate as a better investment than stocks, crypto, or gold. Some specific real estate niches could see prices drop even more, making 2025 (and 2026) phenomenal opportunities to buy. Make your choice: tune into this episode and build wealth while others sit on the sidelines or wish you had done so in a few years.]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
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	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[Is it a good time to invest in real estate? Yes, and we have proof that real estate may be underpriced, even as we hover around the most expensive average home prices in history. How can real estate be undervalued when prices are at historic highs? Dave is sitting down with Scott Trench, CEO of BiggerPockets, who has condensed ten hours' worth of research into one episode to prove to you that, without a doubt, real estate will be winning over the next few years. Plus, he’s about to make a BIG financial bet on it.  We’ve been talking a lot about entering the “upside” era recently—the new cycle of real estate investing—and wanted Scott’s take on it, too. He has invested in real estate for over a decade, reached financial independence through rental properties, and has been openly critical about multiple sectors of the real estate industry over the past few years.  Today, Scott makes a compelling case for real estate as a better investment than stocks, crypto, or gold. Some specific real]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>From $300K in Debt to Millionaire at 39 (Financial Freedom in 8 Years!)</title>
	<link>https://biggerpocketsmoney.com/podcast/from-300k-in-debt-to-millionaire-at-39-financial-freedom-in-8-years/</link>
	<pubDate>Tue, 14 Jan 2025 09:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">917f1206-760b-11ef-8eaf-d38cd743b082</guid>
	<description><![CDATA[From over $300,000 in debt to a millionaire in just eight years?! No matter where you’re at, it’s never too late to get on the path to financial freedom. This entrepreneur is proof that a little discipline, frugality, and creativity can radically change your financial trajectory!  Welcome back to the BiggerPockets Money podcast! Today, we’re speaking with Bernadette Joy, founder of Crush Your Money Goals. In 2016, Bernadette had dug herself a six-figure hole—a combination of student loans, credit cards, and mortgages—simply by listening to bad money advice. But in just THREE years, she paid off all of her debt and has since built a net worth of $1.8 million! How did she create such an enormous swing in less than a decade? In this episode, she’ll show you the exact steps she took so that YOU can do the same!  Want to accelerate your journey to FIRE? Bernadette has all kinds of budgeting tips, debt paydown strategies, and side hustles that will help you reach your financial goals much faster. Stay tuned to learn how to wipe out your debt as quickly as possible, save for retirement, and even make an extra $100 a day alongside your nine-to-five job!]]></description>
	<itunes:subtitle><![CDATA[From over $300,000 in debt to a millionaire in just eight years?! No matter where you’re at, it’s never too late to get on the path to financial freedom. This entrepreneur is proof that a little discipline, frugality, and creativity can radically change ]]></itunes:subtitle>
	<content:encoded><![CDATA[From over $300,000 in debt to a millionaire in just eight years?! No matter where you’re at, it’s never too late to get on the path to financial freedom. This entrepreneur is proof that a little discipline, frugality, and creativity can radically change your financial trajectory!  Welcome back to the BiggerPockets Money podcast! Today, we’re speaking with Bernadette Joy, founder of Crush Your Money Goals. In 2016, Bernadette had dug herself a six-figure hole—a combination of student loans, credit cards, and mortgages—simply by listening to bad money advice. But in just THREE years, she paid off all of her debt and has since built a net worth of $1.8 million! How did she create such an enormous swing in less than a decade? In this episode, she’ll show you the exact steps she took so that YOU can do the same!  Want to accelerate your journey to FIRE? Bernadette has all kinds of budgeting tips, debt paydown strategies, and side hustles that will help you reach your financial goals much faster. Stay tuned to learn how to wipe out your debt as quickly as possible, save for retirement, and even make an extra $100 a day alongside your nine-to-five job!]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC5568220763.mp3" length="70775297" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[From over $300,000 in debt to a millionaire in just eight years?! No matter where you’re at, it’s never too late to get on the path to financial freedom. This entrepreneur is proof that a little discipline, frugality, and creativity can radically change your financial trajectory!  Welcome back to the BiggerPockets Money podcast! Today, we’re speaking with Bernadette Joy, founder of Crush Your Money Goals. In 2016, Bernadette had dug herself a six-figure hole—a combination of student loans, credit cards, and mortgages—simply by listening to bad money advice. But in just THREE years, she paid off all of her debt and has since built a net worth of $1.8 million! How did she create such an enormous swing in less than a decade? In this episode, she’ll show you the exact steps she took so that YOU can do the same!  Want to accelerate your journey to FIRE? Bernadette has all kinds of budgeting tips, debt paydown strategies, and side hustles that will help you reach your financial goals much faster. Stay tuned to learn how to wipe out your debt as quickly as possible, save for retirement, and even make an extra $100 a day alongside your nine-to-five job!]]></itunes:summary>
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	<itunes:block>no</itunes:block>
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	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[From over $300,000 in debt to a millionaire in just eight years?! No matter where you’re at, it’s never too late to get on the path to financial freedom. This entrepreneur is proof that a little discipline, frugality, and creativity can radically change your financial trajectory!  Welcome back to the BiggerPockets Money podcast! Today, we’re speaking with Bernadette Joy, founder of Crush Your Money Goals. In 2016, Bernadette had dug herself a six-figure hole—a combination of student loans, credit cards, and mortgages—simply by listening to bad money advice. But in just THREE years, she paid off all of her debt and has since built a net worth of $1.8 million! How did she create such an enormous swing in less than a decade? In this episode, she’ll show you the exact steps she took so that YOU can do the same!  Want to accelerate your journey to FIRE? Bernadette has all kinds of budgeting tips, debt paydown strategies, and side hustles that will help you reach your financial goals much f]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>Can You Retire…Now? This FIRE Calculator Will Tell You!</title>
	<link>https://biggerpocketsmoney.com/podcast/can-you-retirenow-this-fire-calculator-will-tell-you/</link>
	<pubDate>Fri, 10 Jan 2025 09:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">921f6ecc-760b-11ef-8eaf-17baa4716b7a</guid>
	<description><![CDATA[“Do I have enough to retire?” is a question most people in the FIRE community grapple with, but today, we’re sharing a FREE tool that will help you put this issue to bed! If you’re concerned about running out of money later in life or developing “One More Year Syndrome,” you won’t want to miss this episode!  Welcome back to the BiggerPockets Money podcast! Software engineer Lauren Boland has developed a FIRE calculator that predicts whether your nest egg will be able to support you in retirement. This powerful tool takes dozens of key data points—such as your financial independence number, retirement age, annual expenses, portfolio mix, and historical returns—to simulate multiple retirement scenarios. In this episode, Lauren, Scott, and Mindy are going to walk you through this powerful tool, step-by-step!  Does the four-percent rule still work in 2025? How much do you really need to save for retirement? Whether you’re just starting your quest for FIRE or looking to tweak your investment portfolio as you approach retirement, cFIREsim will show you where you stand and what you might need to adjust to meet your retirement goals!]]></description>
	<itunes:subtitle><![CDATA[“Do I have enough to retire?” is a question most people in the FIRE community grapple with, but today, we’re sharing a FREE tool that will help you put this issue to bed! If you’re concerned about running out of money later in life or developing “One Mor]]></itunes:subtitle>
	<content:encoded><![CDATA[“Do I have enough to retire?” is a question most people in the FIRE community grapple with, but today, we’re sharing a FREE tool that will help you put this issue to bed! If you’re concerned about running out of money later in life or developing “One More Year Syndrome,” you won’t want to miss this episode!  Welcome back to the BiggerPockets Money podcast! Software engineer Lauren Boland has developed a FIRE calculator that predicts whether your nest egg will be able to support you in retirement. This powerful tool takes dozens of key data points—such as your financial independence number, retirement age, annual expenses, portfolio mix, and historical returns—to simulate multiple retirement scenarios. In this episode, Lauren, Scott, and Mindy are going to walk you through this powerful tool, step-by-step!  Does the four-percent rule still work in 2025? How much do you really need to save for retirement? Whether you’re just starting your quest for FIRE or looking to tweak your investment portfolio as you approach retirement, cFIREsim will show you where you stand and what you might need to adjust to meet your retirement goals!]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC5827655070.mp3" length="82323595" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[“Do I have enough to retire?” is a question most people in the FIRE community grapple with, but today, we’re sharing a FREE tool that will help you put this issue to bed! If you’re concerned about running out of money later in life or developing “One More Year Syndrome,” you won’t want to miss this episode!  Welcome back to the BiggerPockets Money podcast! Software engineer Lauren Boland has developed a FIRE calculator that predicts whether your nest egg will be able to support you in retirement. This powerful tool takes dozens of key data points—such as your financial independence number, retirement age, annual expenses, portfolio mix, and historical returns—to simulate multiple retirement scenarios. In this episode, Lauren, Scott, and Mindy are going to walk you through this powerful tool, step-by-step!  Does the four-percent rule still work in 2025? How much do you really need to save for retirement? Whether you’re just starting your quest for FIRE or looking to tweak your investment portfolio as you approach retirement, cFIREsim will show you where you stand and what you might need to adjust to meet your retirement goals!]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
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	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[“Do I have enough to retire?” is a question most people in the FIRE community grapple with, but today, we’re sharing a FREE tool that will help you put this issue to bed! If you’re concerned about running out of money later in life or developing “One More Year Syndrome,” you won’t want to miss this episode!  Welcome back to the BiggerPockets Money podcast! Software engineer Lauren Boland has developed a FIRE calculator that predicts whether your nest egg will be able to support you in retirement. This powerful tool takes dozens of key data points—such as your financial independence number, retirement age, annual expenses, portfolio mix, and historical returns—to simulate multiple retirement scenarios. In this episode, Lauren, Scott, and Mindy are going to walk you through this powerful tool, step-by-step!  Does the four-percent rule still work in 2025? How much do you really need to save for retirement? Whether you’re just starting your quest for FIRE or looking to tweak your investme]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
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<item>
	<title>Ramit Sethi’s Life-Changing &#8220;Money Conversation&#8221; Script for Couples</title>
	<link>https://biggerpocketsmoney.com/podcast/ramit-sethis-life-changing-money-conversation-script-for-couples/</link>
	<pubDate>Tue, 07 Jan 2025 07:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">9145774e-760b-11ef-8eaf-ab6731b431ca</guid>
	<description><![CDATA[Ramit Sethi, the money and couples’ finances expert, is back! This time, he’s teaching you how to have life-changing money conversations with your partner so you can build a “rich life” together and even FIRE faster! You may know Ramit from his popular book, I Will Teach You to Be Rich, or his Netflix series How to Get Rich, but today, he’s sharing brand new insights, techniques, and lessons from his newest book, Money for Couples!   If you’re a FIRE freak like us, you may have a partner who’s having a tough time getting on the same financial page as you. You see their eyes glaze over as you pull up spreadsheets, talking about compound interest and the savings from switching to non-organic broccoli. We’re sure it’s well-intentioned, but this could be doing more harm than help.  If you want to enjoy getting “rich” with your partner, have more time to do the things you love, and build your wealth as a partnership instead of constantly persuading your other half, this is the episode to catch! Ramit shares his “script” for having crucial money conversations, diagnoses which “money type” you fall into, and gives the steps to escape the “Middle-Class Trap”! ]]></description>
	<itunes:subtitle><![CDATA[Ramit Sethi, the money and couples’ finances expert, is back! This time, he’s teaching you how to have life-changing money conversations with your partner so you can build a “rich life” together and even FIRE faster! You may know Ramit from his popular b]]></itunes:subtitle>
	<content:encoded><![CDATA[Ramit Sethi, the money and couples’ finances expert, is back! This time, he’s teaching you how to have life-changing money conversations with your partner so you can build a “rich life” together and even FIRE faster! You may know Ramit from his popular book, I Will Teach You to Be Rich, or his Netflix series How to Get Rich, but today, he’s sharing brand new insights, techniques, and lessons from his newest book, Money for Couples!   If you’re a FIRE freak like us, you may have a partner who’s having a tough time getting on the same financial page as you. You see their eyes glaze over as you pull up spreadsheets, talking about compound interest and the savings from switching to non-organic broccoli. We’re sure it’s well-intentioned, but this could be doing more harm than help.  If you want to enjoy getting “rich” with your partner, have more time to do the things you love, and build your wealth as a partnership instead of constantly persuading your other half, this is the episode to catch! Ramit shares his “script” for having crucial money conversations, diagnoses which “money type” you fall into, and gives the steps to escape the “Middle-Class Trap”! ]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC4408243017.mp3" length="102777509" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[Ramit Sethi, the money and couples’ finances expert, is back! This time, he’s teaching you how to have life-changing money conversations with your partner so you can build a “rich life” together and even FIRE faster! You may know Ramit from his popular book, I Will Teach You to Be Rich, or his Netflix series How to Get Rich, but today, he’s sharing brand new insights, techniques, and lessons from his newest book, Money for Couples!   If you’re a FIRE freak like us, you may have a partner who’s having a tough time getting on the same financial page as you. You see their eyes glaze over as you pull up spreadsheets, talking about compound interest and the savings from switching to non-organic broccoli. We’re sure it’s well-intentioned, but this could be doing more harm than help.  If you want to enjoy getting “rich” with your partner, have more time to do the things you love, and build your wealth as a partnership instead of constantly persuading your other half, this is the episode to catch! Ramit shares his “script” for having crucial money conversations, diagnoses which “money type” you fall into, and gives the steps to escape the “Middle-Class Trap”! ]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[Ramit Sethi, the money and couples’ finances expert, is back! This time, he’s teaching you how to have life-changing money conversations with your partner so you can build a “rich life” together and even FIRE faster! You may know Ramit from his popular book, I Will Teach You to Be Rich, or his Netflix series How to Get Rich, but today, he’s sharing brand new insights, techniques, and lessons from his newest book, Money for Couples!   If you’re a FIRE freak like us, you may have a partner who’s having a tough time getting on the same financial page as you. You see their eyes glaze over as you pull up spreadsheets, talking about compound interest and the savings from switching to non-organic broccoli. We’re sure it’s well-intentioned, but this could be doing more harm than help.  If you want to enjoy getting “rich” with your partner, have more time to do the things you love, and build your wealth as a partnership instead of constantly persuading your other half, this is the episode to c]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>How to Make an Extra $100 a Day in 2025 (Working from Home!)</title>
	<link>https://biggerpocketsmoney.com/podcast/how-to-make-an-extra-100-a-day-in-2025-working-from-home/</link>
	<pubDate>Fri, 03 Jan 2025 09:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">910496e8-760b-11ef-8eaf-577a8455d623</guid>
	<description><![CDATA[Want to know how to make $100 a day in 2025, all while working from home? We brought the queen of side hustles, Jackie Mitchell, back on the show to share how her money-making journey has been going. Jackie set a goal to make $100 a day to save up for a down payment. She did just that, making close to $11,000 in total in her one-hundred-day side hustling stretch. Now, she’s bought a house, still side hustling, and saving a TON of money. How’s she doing it?    Jackie reveals the easiest and most profitable side hustles from her $100-a-day challenge. Some side hustles made her $500 for just three hours of work, while other more casual tasks paid her anywhere from twenty to twenty-five dollars per hour while she was hanging out at home. But what has she done with that extra money?    Today, Jackie shares the huge money moves she’s made to put herself in a FIRE position early on in life. She’s got a big goal: pay off her new house in her thirties! Can she do it? With these side hustles, it’s looking likely. Plus, she shares how she pays for trips, holiday gifts, and more with her easy work-from-home side hustles anyone can sign up for.]]></description>
	<itunes:subtitle><![CDATA[Want to know how to make $100 a day in 2025, all while working from home? We brought the queen of side hustles, Jackie Mitchell, back on the show to share how her money-making journey has been going. Jackie set a goal to make $100 a day to save up for a ]]></itunes:subtitle>
	<content:encoded><![CDATA[Want to know how to make $100 a day in 2025, all while working from home? We brought the queen of side hustles, Jackie Mitchell, back on the show to share how her money-making journey has been going. Jackie set a goal to make $100 a day to save up for a down payment. She did just that, making close to $11,000 in total in her one-hundred-day side hustling stretch. Now, she’s bought a house, still side hustling, and saving a TON of money. How’s she doing it?    Jackie reveals the easiest and most profitable side hustles from her $100-a-day challenge. Some side hustles made her $500 for just three hours of work, while other more casual tasks paid her anywhere from twenty to twenty-five dollars per hour while she was hanging out at home. But what has she done with that extra money?    Today, Jackie shares the huge money moves she’s made to put herself in a FIRE position early on in life. She’s got a big goal: pay off her new house in her thirties! Can she do it? With these side hustles, it’s looking likely. Plus, she shares how she pays for trips, holiday gifts, and more with her easy work-from-home side hustles anyone can sign up for.]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC2276568737.mp3" length="64682590" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[Want to know how to make $100 a day in 2025, all while working from home? We brought the queen of side hustles, Jackie Mitchell, back on the show to share how her money-making journey has been going. Jackie set a goal to make $100 a day to save up for a down payment. She did just that, making close to $11,000 in total in her one-hundred-day side hustling stretch. Now, she’s bought a house, still side hustling, and saving a TON of money. How’s she doing it?    Jackie reveals the easiest and most profitable side hustles from her $100-a-day challenge. Some side hustles made her $500 for just three hours of work, while other more casual tasks paid her anywhere from twenty to twenty-five dollars per hour while she was hanging out at home. But what has she done with that extra money?    Today, Jackie shares the huge money moves she’s made to put herself in a FIRE position early on in life. She’s got a big goal: pay off her new house in her thirties! Can she do it? With these side hustles, it’s looking likely. Plus, she shares how she pays for trips, holiday gifts, and more with her easy work-from-home side hustles anyone can sign up for.]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[Want to know how to make $100 a day in 2025, all while working from home? We brought the queen of side hustles, Jackie Mitchell, back on the show to share how her money-making journey has been going. Jackie set a goal to make $100 a day to save up for a down payment. She did just that, making close to $11,000 in total in her one-hundred-day side hustling stretch. Now, she’s bought a house, still side hustling, and saving a TON of money. How’s she doing it?    Jackie reveals the easiest and most profitable side hustles from her $100-a-day challenge. Some side hustles made her $500 for just three hours of work, while other more casual tasks paid her anywhere from twenty to twenty-five dollars per hour while she was hanging out at home. But what has she done with that extra money?    Today, Jackie shares the huge money moves she’s made to put herself in a FIRE position early on in life. She’s got a big goal: pay off her new house in her thirties! Can she do it? With these side hustles, i]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>The Money Date: What Couples Should (&#038; Shouldn&#8217;t) Do to Align Finances</title>
	<link>https://biggerpocketsmoney.com/podcast/the-money-date-what-couples-should-shouldnt-do-to-align-finances/</link>
	<pubDate>Tue, 31 Dec 2024 09:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">013fc602-7063-11ef-b115-afe8406e1efe</guid>
	<description><![CDATA[Calling all couples! You and your partner may be on the same page financially or off in two different directions; regardless of where you’re at, it’s a great time to start having money dates!    In this episode, Mindy and Scott are going solo, talking through why money dates are such a crucial part of any healthy relationship. This isn’t just talk, both Mindy and Scott are adamant about money dates, they do them often with their partners as well!    If you’re an individual listening to this episode, you may feel a bit intimidated by the concept of a money date. Do you just sit down and talk about index funds and taxes for an hour? No! A money date can be a perfect time to be alone as a couple, talk about the future, make some positive changes, and hold each other accountable for being the best version of yourselves.    If you have a partner who may be a bit averse to the concept of a money date, have no fear. Mindy and Scott have perfected their plan for setting up a successful money date and how to make it enjoyable when you’re in it.    With the new year coming up very soon, this is the perfect time to plan a money date with your special someone. You won’t regret it!]]></description>
	<itunes:subtitle><![CDATA[Calling all couples! You and your partner may be on the same page financially or off in two different directions; regardless of where you’re at, it’s a great time to start having money dates!    In this episode, Mindy and Scott are going solo, talking th]]></itunes:subtitle>
	<content:encoded><![CDATA[Calling all couples! You and your partner may be on the same page financially or off in two different directions; regardless of where you’re at, it’s a great time to start having money dates!    In this episode, Mindy and Scott are going solo, talking through why money dates are such a crucial part of any healthy relationship. This isn’t just talk, both Mindy and Scott are adamant about money dates, they do them often with their partners as well!    If you’re an individual listening to this episode, you may feel a bit intimidated by the concept of a money date. Do you just sit down and talk about index funds and taxes for an hour? No! A money date can be a perfect time to be alone as a couple, talk about the future, make some positive changes, and hold each other accountable for being the best version of yourselves.    If you have a partner who may be a bit averse to the concept of a money date, have no fear. Mindy and Scott have perfected their plan for setting up a successful money date and how to make it enjoyable when you’re in it.    With the new year coming up very soon, this is the perfect time to plan a money date with your special someone. You won’t regret it!]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC3847212882.mp3" length="83485450" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[Calling all couples! You and your partner may be on the same page financially or off in two different directions; regardless of where you’re at, it’s a great time to start having money dates!    In this episode, Mindy and Scott are going solo, talking through why money dates are such a crucial part of any healthy relationship. This isn’t just talk, both Mindy and Scott are adamant about money dates, they do them often with their partners as well!    If you’re an individual listening to this episode, you may feel a bit intimidated by the concept of a money date. Do you just sit down and talk about index funds and taxes for an hour? No! A money date can be a perfect time to be alone as a couple, talk about the future, make some positive changes, and hold each other accountable for being the best version of yourselves.    If you have a partner who may be a bit averse to the concept of a money date, have no fear. Mindy and Scott have perfected their plan for setting up a successful money date and how to make it enjoyable when you’re in it.    With the new year coming up very soon, this is the perfect time to plan a money date with your special someone. You won’t regret it!]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[Calling all couples! You and your partner may be on the same page financially or off in two different directions; regardless of where you’re at, it’s a great time to start having money dates!    In this episode, Mindy and Scott are going solo, talking through why money dates are such a crucial part of any healthy relationship. This isn’t just talk, both Mindy and Scott are adamant about money dates, they do them often with their partners as well!    If you’re an individual listening to this episode, you may feel a bit intimidated by the concept of a money date. Do you just sit down and talk about index funds and taxes for an hour? No! A money date can be a perfect time to be alone as a couple, talk about the future, make some positive changes, and hold each other accountable for being the best version of yourselves.    If you have a partner who may be a bit averse to the concept of a money date, have no fear. Mindy and Scott have perfected their plan for setting up a successful money ]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>Chasing Financial &#8220;Stability&#8221; After $100K+ in Debt and Layoffs</title>
	<link>https://biggerpocketsmoney.com/podcast/chasing-financial-stability-after-100k-in-debt-and-layoffs/</link>
	<pubDate>Fri, 27 Dec 2024 09:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">0066da4a-7063-11ef-b115-63f735a79bfb</guid>
	<description><![CDATA[Got debt to pay off? You might relate to Leo, a personal finance journalist who’s focused on financial stability over FIRE—at least for now. With six figures in student loans and credit card debt, Leo found themselves in a tough spot after being laid off with no safety net. Determined never to end up in that position again, they began chipping away at their debt, working toward financial peace of mind instead of a relentless grind to early retirement.  Leo shares why their approach to financial freedom is different. While they don’t want to wait until sixty-five to retire, they’ve crafted a “wealth plan” that balances paying off debt, building a safety net, and creating a better life today.   In this episode, Leo dives deep into budgeting tips, debt repayment strategies, and the unique financial challenges faced by LGBTQ+ individuals. Tired of the all-out grind to FIRE and want “financial stability” instead? Leo has just what you need! ]]></description>
	<itunes:subtitle><![CDATA[Got debt to pay off? You might relate to Leo, a personal finance journalist who’s focused on financial stability over FIRE—at least for now. With six figures in student loans and credit card debt, Leo found themselves in a tough spot after being laid off]]></itunes:subtitle>
	<content:encoded><![CDATA[Got debt to pay off? You might relate to Leo, a personal finance journalist who’s focused on financial stability over FIRE—at least for now. With six figures in student loans and credit card debt, Leo found themselves in a tough spot after being laid off with no safety net. Determined never to end up in that position again, they began chipping away at their debt, working toward financial peace of mind instead of a relentless grind to early retirement.  Leo shares why their approach to financial freedom is different. While they don’t want to wait until sixty-five to retire, they’ve crafted a “wealth plan” that balances paying off debt, building a safety net, and creating a better life today.   In this episode, Leo dives deep into budgeting tips, debt repayment strategies, and the unique financial challenges faced by LGBTQ+ individuals. Tired of the all-out grind to FIRE and want “financial stability” instead? Leo has just what you need! ]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC1888109659.mp3" length="50046356" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[Got debt to pay off? You might relate to Leo, a personal finance journalist who’s focused on financial stability over FIRE—at least for now. With six figures in student loans and credit card debt, Leo found themselves in a tough spot after being laid off with no safety net. Determined never to end up in that position again, they began chipping away at their debt, working toward financial peace of mind instead of a relentless grind to early retirement.  Leo shares why their approach to financial freedom is different. While they don’t want to wait until sixty-five to retire, they’ve crafted a “wealth plan” that balances paying off debt, building a safety net, and creating a better life today.   In this episode, Leo dives deep into budgeting tips, debt repayment strategies, and the unique financial challenges faced by LGBTQ+ individuals. Tired of the all-out grind to FIRE and want “financial stability” instead? Leo has just what you need! ]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[Got debt to pay off? You might relate to Leo, a personal finance journalist who’s focused on financial stability over FIRE—at least for now. With six figures in student loans and credit card debt, Leo found themselves in a tough spot after being laid off with no safety net. Determined never to end up in that position again, they began chipping away at their debt, working toward financial peace of mind instead of a relentless grind to early retirement.  Leo shares why their approach to financial freedom is different. While they don’t want to wait until sixty-five to retire, they’ve crafted a “wealth plan” that balances paying off debt, building a safety net, and creating a better life today.   In this episode, Leo dives deep into budgeting tips, debt repayment strategies, and the unique financial challenges faced by LGBTQ+ individuals. Tired of the all-out grind to FIRE and want “financial stability” instead? Leo has just what you need! ]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>The Mad Fientist’s New Rule To Retire Early Even Sooner</title>
	<link>https://biggerpocketsmoney.com/podcast/the-mad-fientists-new-rule-to-retire-early-even-sooner/</link>
	<pubDate>Tue, 24 Dec 2024 09:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">0108b66c-7063-11ef-b115-ef3076c8dd45</guid>
	<description><![CDATA[If you want to retire early, the Mad Fientist is your guide. For over a decade, Brandon, more commonly known as the “Mad Fientist,” has been running simulations, experiments, and exercises to discover which road to early retirement is the fastest. Now, in his forties, Brandon has time to reflect on what worked, what didn’t, and his regrets on the sprint to early retirement and financial freedom. And he’s also got a new update that’ll make your early retirement journey smoother.    After tinkering with the beloved and rarely challenged 4% rule, Brandon decided it was time to sit down and calculate how much you really need to retire early. For decades, financial freedom chasers have been breaking their backs, trying to have as much stashed away as possible to enjoy their well-earned time off from work. But, it turns out that this number might be overinflated, and you can retire with much less than you think. That means your early retirement timeline just got a LOT shorter.    In this episode, Brandon will describe why the 4% rule may be a bit too rigid, how to ensure you’ll have enough during early retirement, what to do during a market crash or correction, and why spending thousands of dollars on a coffee machine isn’t such a bad idea. If you want to maximize enjoyment in early retirement, instead of building a big bank account you probably won’t use, stick around!]]></description>
	<itunes:subtitle><![CDATA[If you want to retire early, the Mad Fientist is your guide. For over a decade, Brandon, more commonly known as the “Mad Fientist,” has been running simulations, experiments, and exercises to discover which road to early retirement is the fastest. Now, i]]></itunes:subtitle>
	<content:encoded><![CDATA[If you want to retire early, the Mad Fientist is your guide. For over a decade, Brandon, more commonly known as the “Mad Fientist,” has been running simulations, experiments, and exercises to discover which road to early retirement is the fastest. Now, in his forties, Brandon has time to reflect on what worked, what didn’t, and his regrets on the sprint to early retirement and financial freedom. And he’s also got a new update that’ll make your early retirement journey smoother.    After tinkering with the beloved and rarely challenged 4% rule, Brandon decided it was time to sit down and calculate how much you really need to retire early. For decades, financial freedom chasers have been breaking their backs, trying to have as much stashed away as possible to enjoy their well-earned time off from work. But, it turns out that this number might be overinflated, and you can retire with much less than you think. That means your early retirement timeline just got a LOT shorter.    In this episode, Brandon will describe why the 4% rule may be a bit too rigid, how to ensure you’ll have enough during early retirement, what to do during a market crash or correction, and why spending thousands of dollars on a coffee machine isn’t such a bad idea. If you want to maximize enjoyment in early retirement, instead of building a big bank account you probably won’t use, stick around!]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC7620794866.mp3" length="101601752" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[If you want to retire early, the Mad Fientist is your guide. For over a decade, Brandon, more commonly known as the “Mad Fientist,” has been running simulations, experiments, and exercises to discover which road to early retirement is the fastest. Now, in his forties, Brandon has time to reflect on what worked, what didn’t, and his regrets on the sprint to early retirement and financial freedom. And he’s also got a new update that’ll make your early retirement journey smoother.    After tinkering with the beloved and rarely challenged 4% rule, Brandon decided it was time to sit down and calculate how much you really need to retire early. For decades, financial freedom chasers have been breaking their backs, trying to have as much stashed away as possible to enjoy their well-earned time off from work. But, it turns out that this number might be overinflated, and you can retire with much less than you think. That means your early retirement timeline just got a LOT shorter.    In this episode, Brandon will describe why the 4% rule may be a bit too rigid, how to ensure you’ll have enough during early retirement, what to do during a market crash or correction, and why spending thousands of dollars on a coffee machine isn’t such a bad idea. If you want to maximize enjoyment in early retirement, instead of building a big bank account you probably won’t use, stick around!]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[If you want to retire early, the Mad Fientist is your guide. For over a decade, Brandon, more commonly known as the “Mad Fientist,” has been running simulations, experiments, and exercises to discover which road to early retirement is the fastest. Now, in his forties, Brandon has time to reflect on what worked, what didn’t, and his regrets on the sprint to early retirement and financial freedom. And he’s also got a new update that’ll make your early retirement journey smoother.    After tinkering with the beloved and rarely challenged 4% rule, Brandon decided it was time to sit down and calculate how much you really need to retire early. For decades, financial freedom chasers have been breaking their backs, trying to have as much stashed away as possible to enjoy their well-earned time off from work. But, it turns out that this number might be overinflated, and you can retire with much less than you think. That means your early retirement timeline just got a LOT shorter.    In this ep]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>Broke at 50? How to Retire On-Time (Or Early!)</title>
	<link>https://biggerpocketsmoney.com/podcast/broke-at-50-how-to-retire-on-time-or-early/</link>
	<pubDate>Fri, 20 Dec 2024 09:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">002fadfe-7063-11ef-b115-d30a0139a631</guid>
	<description><![CDATA[Are you worried you won’t be able to retire at sixty-five? Feeling financially limited in your fifties and need a retirement plan so you can finally stop working? Well, we made this episode just for you. Today, we’re teaching you how to retire on time at age sixty-five (or even retire early!) if you’re starting from zero with no money to your name. We spell out exactly what we would do to go from a zero-dollar net worth to a million dollars in retirement!  This is a step-by-step plan that anyone who wants to retire on time can follow. We’ll walk through two personas: Barb, a recently divorced stay-at-home mom reentering the workforce with a zero-dollar net worth. Then, we’ll touch on Sally, a six-figure income earner who also is starting from zero. Both scenarios take slightly different steps, so listen closely because your income level could completely change your money moves!  Don’t give up on retirement! No matter your age, these simple steps can help get you to a financially stable (if not flourishing) position. We’ll talk about how to make more money, cut expenses, save every month, which investments you should prioritize for retirement, and what to do if you’re still in debt!]]></description>
	<itunes:subtitle><![CDATA[Are you worried you won’t be able to retire at sixty-five? Feeling financially limited in your fifties and need a retirement plan so you can finally stop working? Well, we made this episode just for you. Today, we’re teaching you how to retire on time at]]></itunes:subtitle>
	<content:encoded><![CDATA[Are you worried you won’t be able to retire at sixty-five? Feeling financially limited in your fifties and need a retirement plan so you can finally stop working? Well, we made this episode just for you. Today, we’re teaching you how to retire on time at age sixty-five (or even retire early!) if you’re starting from zero with no money to your name. We spell out exactly what we would do to go from a zero-dollar net worth to a million dollars in retirement!  This is a step-by-step plan that anyone who wants to retire on time can follow. We’ll walk through two personas: Barb, a recently divorced stay-at-home mom reentering the workforce with a zero-dollar net worth. Then, we’ll touch on Sally, a six-figure income earner who also is starting from zero. Both scenarios take slightly different steps, so listen closely because your income level could completely change your money moves!  Don’t give up on retirement! No matter your age, these simple steps can help get you to a financially stable (if not flourishing) position. We’ll talk about how to make more money, cut expenses, save every month, which investments you should prioritize for retirement, and what to do if you’re still in debt!]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC5093981567.mp3" length="63534130" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[Are you worried you won’t be able to retire at sixty-five? Feeling financially limited in your fifties and need a retirement plan so you can finally stop working? Well, we made this episode just for you. Today, we’re teaching you how to retire on time at age sixty-five (or even retire early!) if you’re starting from zero with no money to your name. We spell out exactly what we would do to go from a zero-dollar net worth to a million dollars in retirement!  This is a step-by-step plan that anyone who wants to retire on time can follow. We’ll walk through two personas: Barb, a recently divorced stay-at-home mom reentering the workforce with a zero-dollar net worth. Then, we’ll touch on Sally, a six-figure income earner who also is starting from zero. Both scenarios take slightly different steps, so listen closely because your income level could completely change your money moves!  Don’t give up on retirement! No matter your age, these simple steps can help get you to a financially stable (if not flourishing) position. We’ll talk about how to make more money, cut expenses, save every month, which investments you should prioritize for retirement, and what to do if you’re still in debt!]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[Are you worried you won’t be able to retire at sixty-five? Feeling financially limited in your fifties and need a retirement plan so you can finally stop working? Well, we made this episode just for you. Today, we’re teaching you how to retire on time at age sixty-five (or even retire early!) if you’re starting from zero with no money to your name. We spell out exactly what we would do to go from a zero-dollar net worth to a million dollars in retirement!  This is a step-by-step plan that anyone who wants to retire on time can follow. We’ll walk through two personas: Barb, a recently divorced stay-at-home mom reentering the workforce with a zero-dollar net worth. Then, we’ll touch on Sally, a six-figure income earner who also is starting from zero. Both scenarios take slightly different steps, so listen closely because your income level could completely change your money moves!  Don’t give up on retirement! No matter your age, these simple steps can help get you to a financially stabl]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>2025’s Best Money Hacks to Save $1,000+/Month (and Retire Earlier!) w/All the Hacks</title>
	<link>https://biggerpocketsmoney.com/podcast/2025s-best-money-hacks-to-save-1000-month-and-retire-earlier-w-all-the-hacks/</link>
	<pubDate>Tue, 17 Dec 2024 09:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">00d263e6-7063-11ef-b115-7fc1c45a1d85</guid>
	<description><![CDATA[Do you want to know how to save $1,000 a month (or more!) with simple spending and saving tweaks? Today, we’re giving you the BEST money hacks for 2025 from the expert, Chris Hutchins of All the Hacks! Some of these smart money moves will save Chris over $20,000 just next year, and that’s not even including all the other hacks he shared in this episode. The best part? These money hacks can help you retire early by substantially reducing your cost of living.  Chris starts by sharing one of the most genius ways he’s making extra money. You could call it a side hustle, and Chris has a LOT of them to share. Then, we start taking HUGE chunks of money out of your monthly expenses as Chris shows you how to slash all your insurance costs, reduce your property taxes effortlessly, save tens of thousands a year on healthcare, and easily go out to eat for thirty percent less.  If your 2025 goal is to save more, spend less, and get to FIRE faster, this is the perfect way to start, and missing out on these tips could cost you tens of thousands! ]]></description>
	<itunes:subtitle><![CDATA[Do you want to know how to save $1,000 a month (or more!) with simple spending and saving tweaks? Today, we’re giving you the BEST money hacks for 2025 from the expert, Chris Hutchins of All the Hacks! Some of these smart money moves will save Chris over]]></itunes:subtitle>
	<content:encoded><![CDATA[Do you want to know how to save $1,000 a month (or more!) with simple spending and saving tweaks? Today, we’re giving you the BEST money hacks for 2025 from the expert, Chris Hutchins of All the Hacks! Some of these smart money moves will save Chris over $20,000 just next year, and that’s not even including all the other hacks he shared in this episode. The best part? These money hacks can help you retire early by substantially reducing your cost of living.  Chris starts by sharing one of the most genius ways he’s making extra money. You could call it a side hustle, and Chris has a LOT of them to share. Then, we start taking HUGE chunks of money out of your monthly expenses as Chris shows you how to slash all your insurance costs, reduce your property taxes effortlessly, save tens of thousands a year on healthcare, and easily go out to eat for thirty percent less.  If your 2025 goal is to save more, spend less, and get to FIRE faster, this is the perfect way to start, and missing out on these tips could cost you tens of thousands! ]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC5373658226.mp3" length="82034179" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[Do you want to know how to save $1,000 a month (or more!) with simple spending and saving tweaks? Today, we’re giving you the BEST money hacks for 2025 from the expert, Chris Hutchins of All the Hacks! Some of these smart money moves will save Chris over $20,000 just next year, and that’s not even including all the other hacks he shared in this episode. The best part? These money hacks can help you retire early by substantially reducing your cost of living.  Chris starts by sharing one of the most genius ways he’s making extra money. You could call it a side hustle, and Chris has a LOT of them to share. Then, we start taking HUGE chunks of money out of your monthly expenses as Chris shows you how to slash all your insurance costs, reduce your property taxes effortlessly, save tens of thousands a year on healthcare, and easily go out to eat for thirty percent less.  If your 2025 goal is to save more, spend less, and get to FIRE faster, this is the perfect way to start, and missing out on these tips could cost you tens of thousands! ]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[Do you want to know how to save $1,000 a month (or more!) with simple spending and saving tweaks? Today, we’re giving you the BEST money hacks for 2025 from the expert, Chris Hutchins of All the Hacks! Some of these smart money moves will save Chris over $20,000 just next year, and that’s not even including all the other hacks he shared in this episode. The best part? These money hacks can help you retire early by substantially reducing your cost of living.  Chris starts by sharing one of the most genius ways he’s making extra money. You could call it a side hustle, and Chris has a LOT of them to share. Then, we start taking HUGE chunks of money out of your monthly expenses as Chris shows you how to slash all your insurance costs, reduce your property taxes effortlessly, save tens of thousands a year on healthcare, and easily go out to eat for thirty percent less.  If your 2025 goal is to save more, spend less, and get to FIRE faster, this is the perfect way to start, and missing out ]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>Finance Friday: Can I Still Reach FI by 45 If I Quit My Job?</title>
	<link>https://biggerpocketsmoney.com/podcast/finance-friday-can-i-still-reach-fi-by-45-if-i-quit-my-job/</link>
	<pubDate>Fri, 13 Dec 2024 09:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">fffa33ea-7062-11ef-b115-8fc6fba78b6c</guid>
	<description><![CDATA[Alex Preziosi wants to reach financial independence by the age of forty-five, and with several hundred thousand dollars in retirement accounts, brokerage accounts, and savings, she’s on pace to do just that. But now, she’s thinking about quitting her W2 job. Can she still hit her FI goal? Today’s guest has good problems, but problems, nonetheless!  Welcome back to the BiggerPockets Money podcast! Since we last spoke with Alex, she has made two major leaps on her journey to financial independence. First, she has taken up house hacking, which pays for most of her mortgage in an expensive area of the US. But that’s not all. She has also grown her side hustle as a real estate agent into a full-fledged business, where she now earns more than she does at her W2 job! These moves have only widened the gap between her income and her expenses, and, as a result, she’s sitting on an even bigger pile of cash.  Now, Alex finds herself at yet another crossroads. Is her W2 holding her back? Should she pursue full-time entrepreneurship while she has such a strong cash position? Stay tuned as we dive into the numbers and try to figure out Alex’s best path to FI by forty-five!]]></description>
	<itunes:subtitle><![CDATA[Alex Preziosi wants to reach financial independence by the age of forty-five, and with several hundred thousand dollars in retirement accounts, brokerage accounts, and savings, she’s on pace to do just that. But now, she’s thinking about quitting her W2 ]]></itunes:subtitle>
	<content:encoded><![CDATA[Alex Preziosi wants to reach financial independence by the age of forty-five, and with several hundred thousand dollars in retirement accounts, brokerage accounts, and savings, she’s on pace to do just that. But now, she’s thinking about quitting her W2 job. Can she still hit her FI goal? Today’s guest has good problems, but problems, nonetheless!  Welcome back to the BiggerPockets Money podcast! Since we last spoke with Alex, she has made two major leaps on her journey to financial independence. First, she has taken up house hacking, which pays for most of her mortgage in an expensive area of the US. But that’s not all. She has also grown her side hustle as a real estate agent into a full-fledged business, where she now earns more than she does at her W2 job! These moves have only widened the gap between her income and her expenses, and, as a result, she’s sitting on an even bigger pile of cash.  Now, Alex finds herself at yet another crossroads. Is her W2 holding her back? Should she pursue full-time entrepreneurship while she has such a strong cash position? Stay tuned as we dive into the numbers and try to figure out Alex’s best path to FI by forty-five!]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC3667999273.mp3" length="77381537" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[Alex Preziosi wants to reach financial independence by the age of forty-five, and with several hundred thousand dollars in retirement accounts, brokerage accounts, and savings, she’s on pace to do just that. But now, she’s thinking about quitting her W2 job. Can she still hit her FI goal? Today’s guest has good problems, but problems, nonetheless!  Welcome back to the BiggerPockets Money podcast! Since we last spoke with Alex, she has made two major leaps on her journey to financial independence. First, she has taken up house hacking, which pays for most of her mortgage in an expensive area of the US. But that’s not all. She has also grown her side hustle as a real estate agent into a full-fledged business, where she now earns more than she does at her W2 job! These moves have only widened the gap between her income and her expenses, and, as a result, she’s sitting on an even bigger pile of cash.  Now, Alex finds herself at yet another crossroads. Is her W2 holding her back? Should she pursue full-time entrepreneurship while she has such a strong cash position? Stay tuned as we dive into the numbers and try to figure out Alex’s best path to FI by forty-five!]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[Alex Preziosi wants to reach financial independence by the age of forty-five, and with several hundred thousand dollars in retirement accounts, brokerage accounts, and savings, she’s on pace to do just that. But now, she’s thinking about quitting her W2 job. Can she still hit her FI goal? Today’s guest has good problems, but problems, nonetheless!  Welcome back to the BiggerPockets Money podcast! Since we last spoke with Alex, she has made two major leaps on her journey to financial independence. First, she has taken up house hacking, which pays for most of her mortgage in an expensive area of the US. But that’s not all. She has also grown her side hustle as a real estate agent into a full-fledged business, where she now earns more than she does at her W2 job! These moves have only widened the gap between her income and her expenses, and, as a result, she’s sitting on an even bigger pile of cash.  Now, Alex finds herself at yet another crossroads. Is her W2 holding her back? Should sh]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>The 5 Biggest Money Fears Keeping You from FIRE (and How to Overcome Them)</title>
	<link>https://biggerpocketsmoney.com/podcast/the-5-biggest-money-fears-keeping-you-from-fire-and-how-to-overcome-them/</link>
	<pubDate>Tue, 10 Dec 2024 09:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">009c94d2-7063-11ef-b115-c377e1457b63</guid>
	<description><![CDATA[Many people struggle with money anxiety, even those in the FIRE community. Your money fears could keep you on the sidelines, or it could have the opposite effect, making you ultra-conservative with your retirement savings. Today, we’re diving into five of the most common financial fears, whether they’re worth fretting about, and what to do about them!  Welcome back to the BiggerPockets Money podcast! Do you ever worry about your finances? You’re not alone! Maybe you’re concerned about your FIRE number being too low and running out of money in retirement. Maybe you’ve wondered whether you’ll ever be able to afford a house or if the “grind” to financial independence is even worth it. We’ve pulled the most common concerns about money and are going to respond to each of them in today’s show!  Tune in to learn how much money you actually need to comfortably retire, how to deal with burnout on the journey to FIRE, and if you’re “missing out on life” by practicing frugality in your youth. Scott and Mindy will even debate whether the returns from real estate investing are worth the trouble of managing rental properties!]]></description>
	<itunes:subtitle><![CDATA[Many people struggle with money anxiety, even those in the FIRE community. Your money fears could keep you on the sidelines, or it could have the opposite effect, making you ultra-conservative with your retirement savings. Today, we’re diving into five o]]></itunes:subtitle>
	<content:encoded><![CDATA[Many people struggle with money anxiety, even those in the FIRE community. Your money fears could keep you on the sidelines, or it could have the opposite effect, making you ultra-conservative with your retirement savings. Today, we’re diving into five of the most common financial fears, whether they’re worth fretting about, and what to do about them!  Welcome back to the BiggerPockets Money podcast! Do you ever worry about your finances? You’re not alone! Maybe you’re concerned about your FIRE number being too low and running out of money in retirement. Maybe you’ve wondered whether you’ll ever be able to afford a house or if the “grind” to financial independence is even worth it. We’ve pulled the most common concerns about money and are going to respond to each of them in today’s show!  Tune in to learn how much money you actually need to comfortably retire, how to deal with burnout on the journey to FIRE, and if you’re “missing out on life” by practicing frugality in your youth. Scott and Mindy will even debate whether the returns from real estate investing are worth the trouble of managing rental properties!]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC2138384695.mp3" length="59766895" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[Many people struggle with money anxiety, even those in the FIRE community. Your money fears could keep you on the sidelines, or it could have the opposite effect, making you ultra-conservative with your retirement savings. Today, we’re diving into five of the most common financial fears, whether they’re worth fretting about, and what to do about them!  Welcome back to the BiggerPockets Money podcast! Do you ever worry about your finances? You’re not alone! Maybe you’re concerned about your FIRE number being too low and running out of money in retirement. Maybe you’ve wondered whether you’ll ever be able to afford a house or if the “grind” to financial independence is even worth it. We’ve pulled the most common concerns about money and are going to respond to each of them in today’s show!  Tune in to learn how much money you actually need to comfortably retire, how to deal with burnout on the journey to FIRE, and if you’re “missing out on life” by practicing frugality in your youth. Scott and Mindy will even debate whether the returns from real estate investing are worth the trouble of managing rental properties!]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[Many people struggle with money anxiety, even those in the FIRE community. Your money fears could keep you on the sidelines, or it could have the opposite effect, making you ultra-conservative with your retirement savings. Today, we’re diving into five of the most common financial fears, whether they’re worth fretting about, and what to do about them!  Welcome back to the BiggerPockets Money podcast! Do you ever worry about your finances? You’re not alone! Maybe you’re concerned about your FIRE number being too low and running out of money in retirement. Maybe you’ve wondered whether you’ll ever be able to afford a house or if the “grind” to financial independence is even worth it. We’ve pulled the most common concerns about money and are going to respond to each of them in today’s show!  Tune in to learn how much money you actually need to comfortably retire, how to deal with burnout on the journey to FIRE, and if you’re “missing out on life” by practicing frugality in your youth. Sc]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>$200K/Year &#038; Early Retirement in 10 Years by Being a &#8220;Lazy&#8221; Investor</title>
	<link>https://biggerpocketsmoney.com/podcast/200k-year-early-retirement-in-10-years-by-being-a-lazy-investor/</link>
	<pubDate>Fri, 06 Dec 2024 09:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">ffc453ec-7062-11ef-b115-3b829a2ede99</guid>
	<description><![CDATA[Dion McNeeley retired in just ten years after starting from not just zero but NEGATIVE. He was forty years old with $89,000 in debt, had no assets, a low-paying job, and zero investing experience. Thanks to his “lazy” method of building wealth, he was able to amass millions of dollars in assets, create over $200,000 per year in passive income streams, and retire just ten years after starting his journey to FIRE. Can you do it, too, even in today’s markets? Yes!  Dion did what most people aren’t willing to: lower your cost of living, spend less, save more, and yes…house hack. He built a small real estate portfolio just by house hacking alone. Still, thanks to the compounding effect of real estate, Dion’s passive income from the rentals began to overtake his monthly expenses. Now, he rakes in four to five times more than he could ever spend. Who wouldn’t want a $200,000 per year income stream in retirement?!  But it’s NOT too late to copy Dion’s exact strategy. In fact, Dion is sharing why NOW is one of the best times ever to get into real estate investing and how you, too, in ten years or less, could be making major passive income and enjoying early retirement!]]></description>
	<itunes:subtitle><![CDATA[Dion McNeeley retired in just ten years after starting from not just zero but NEGATIVE. He was forty years old with $89,000 in debt, had no assets, a low-paying job, and zero investing experience. Thanks to his “lazy” method of building wealth, he was ab]]></itunes:subtitle>
	<content:encoded><![CDATA[Dion McNeeley retired in just ten years after starting from not just zero but NEGATIVE. He was forty years old with $89,000 in debt, had no assets, a low-paying job, and zero investing experience. Thanks to his “lazy” method of building wealth, he was able to amass millions of dollars in assets, create over $200,000 per year in passive income streams, and retire just ten years after starting his journey to FIRE. Can you do it, too, even in today’s markets? Yes!  Dion did what most people aren’t willing to: lower your cost of living, spend less, save more, and yes…house hack. He built a small real estate portfolio just by house hacking alone. Still, thanks to the compounding effect of real estate, Dion’s passive income from the rentals began to overtake his monthly expenses. Now, he rakes in four to five times more than he could ever spend. Who wouldn’t want a $200,000 per year income stream in retirement?!  But it’s NOT too late to copy Dion’s exact strategy. In fact, Dion is sharing why NOW is one of the best times ever to get into real estate investing and how you, too, in ten years or less, could be making major passive income and enjoying early retirement!]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC8362304684.mp3" length="50546212" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[Dion McNeeley retired in just ten years after starting from not just zero but NEGATIVE. He was forty years old with $89,000 in debt, had no assets, a low-paying job, and zero investing experience. Thanks to his “lazy” method of building wealth, he was able to amass millions of dollars in assets, create over $200,000 per year in passive income streams, and retire just ten years after starting his journey to FIRE. Can you do it, too, even in today’s markets? Yes!  Dion did what most people aren’t willing to: lower your cost of living, spend less, save more, and yes…house hack. He built a small real estate portfolio just by house hacking alone. Still, thanks to the compounding effect of real estate, Dion’s passive income from the rentals began to overtake his monthly expenses. Now, he rakes in four to five times more than he could ever spend. Who wouldn’t want a $200,000 per year income stream in retirement?!  But it’s NOT too late to copy Dion’s exact strategy. In fact, Dion is sharing why NOW is one of the best times ever to get into real estate investing and how you, too, in ten years or less, could be making major passive income and enjoying early retirement!]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[Dion McNeeley retired in just ten years after starting from not just zero but NEGATIVE. He was forty years old with $89,000 in debt, had no assets, a low-paying job, and zero investing experience. Thanks to his “lazy” method of building wealth, he was able to amass millions of dollars in assets, create over $200,000 per year in passive income streams, and retire just ten years after starting his journey to FIRE. Can you do it, too, even in today’s markets? Yes!  Dion did what most people aren’t willing to: lower your cost of living, spend less, save more, and yes…house hack. He built a small real estate portfolio just by house hacking alone. Still, thanks to the compounding effect of real estate, Dion’s passive income from the rentals began to overtake his monthly expenses. Now, he rakes in four to five times more than he could ever spend. Who wouldn’t want a $200,000 per year income stream in retirement?!  But it’s NOT too late to copy Dion’s exact strategy. In fact, Dion is sharing ]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>Average Net Worth by Age (How Do You Compare?)</title>
	<link>https://biggerpocketsmoney.com/podcast/average-net-worth-by-age-how-do-you-compare/</link>
	<pubDate>Tue, 03 Dec 2024 09:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">ff8d9c6c-7062-11ef-b115-bfe82674d464</guid>
	<description><![CDATA[Are you beating the average American in personal finances? Today, we’re sharing the average net worth by age to see where exactly you stack up. Whether you’re in your twenties, thirties, forties, or fifties, we have the data showing whether you’re behind (or ahead of) the norm. What do you do if you feel like you’re falling behind? Don’t worry; we’re also giving tips on how every age bracket can improve its net worth.     Don’t know how to calculate your net worth? It’s easy, and you can do it in minutes after (or even during) this episode. Once you know your net worth, it’s time to decide your next move. Do you need to make more money so you can invest faster? Are you close enough to FIRE that you can let your foot off the gas a bit? Should you buy that new boat? No! Don’t ever buy a boat.     We’re also sharing our own net worth journeys and the money moves we made that skyrocketed our wealth to millionaire status. You can’t go back in time and copy everything we did, but you CAN copy some of our same strategies to boost your net worth!]]></description>
	<itunes:subtitle><![CDATA[Are you beating the average American in personal finances? Today, we’re sharing the average net worth by age to see where exactly you stack up. Whether you’re in your twenties, thirties, forties, or fifties, we have the data showing whether you’re behind]]></itunes:subtitle>
	<content:encoded><![CDATA[Are you beating the average American in personal finances? Today, we’re sharing the average net worth by age to see where exactly you stack up. Whether you’re in your twenties, thirties, forties, or fifties, we have the data showing whether you’re behind (or ahead of) the norm. What do you do if you feel like you’re falling behind? Don’t worry; we’re also giving tips on how every age bracket can improve its net worth.     Don’t know how to calculate your net worth? It’s easy, and you can do it in minutes after (or even during) this episode. Once you know your net worth, it’s time to decide your next move. Do you need to make more money so you can invest faster? Are you close enough to FIRE that you can let your foot off the gas a bit? Should you buy that new boat? No! Don’t ever buy a boat.     We’re also sharing our own net worth journeys and the money moves we made that skyrocketed our wealth to millionaire status. You can’t go back in time and copy everything we did, but you CAN copy some of our same strategies to boost your net worth!]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC3481651935.mp3" length="78462704" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[Are you beating the average American in personal finances? Today, we’re sharing the average net worth by age to see where exactly you stack up. Whether you’re in your twenties, thirties, forties, or fifties, we have the data showing whether you’re behind (or ahead of) the norm. What do you do if you feel like you’re falling behind? Don’t worry; we’re also giving tips on how every age bracket can improve its net worth.     Don’t know how to calculate your net worth? It’s easy, and you can do it in minutes after (or even during) this episode. Once you know your net worth, it’s time to decide your next move. Do you need to make more money so you can invest faster? Are you close enough to FIRE that you can let your foot off the gas a bit? Should you buy that new boat? No! Don’t ever buy a boat.     We’re also sharing our own net worth journeys and the money moves we made that skyrocketed our wealth to millionaire status. You can’t go back in time and copy everything we did, but you CAN copy some of our same strategies to boost your net worth!]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[Are you beating the average American in personal finances? Today, we’re sharing the average net worth by age to see where exactly you stack up. Whether you’re in your twenties, thirties, forties, or fifties, we have the data showing whether you’re behind (or ahead of) the norm. What do you do if you feel like you’re falling behind? Don’t worry; we’re also giving tips on how every age bracket can improve its net worth.     Don’t know how to calculate your net worth? It’s easy, and you can do it in minutes after (or even during) this episode. Once you know your net worth, it’s time to decide your next move. Do you need to make more money so you can invest faster? Are you close enough to FIRE that you can let your foot off the gas a bit? Should you buy that new boat? No! Don’t ever buy a boat.     We’re also sharing our own net worth journeys and the money moves we made that skyrocketed our wealth to millionaire status. You can’t go back in time and copy everything we did, but you CAN co]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>Finance Friday: Middle-Class Trap on Steroids ($3.8M but CAN&#8217;T Retire!)</title>
	<link>https://biggerpocketsmoney.com/podcast/finance-friday-middle-class-trap-on-steroids-3-8m-but-cant-retire/</link>
	<pubDate>Fri, 29 Nov 2024 09:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">ff57936a-7062-11ef-b115-fb1ed2afd076</guid>
	<description><![CDATA[There’s a “middle-class trap” that can keep anyone from FIRE—yes, even high-income earners. Today’s guest has a sizable nest egg that should allow her to retire early, but there are a few roadblocks in her way!     At forty-seven, Allie has already built a net worth of $3,800,000. She would like to retire, and most people would assume she has enough to retire, but there are two problems. First, she lives in Orange County, California, one of the most expensive areas in the U.S., and has no plans to leave. The other issue? She has no cash! All of her money is tied up in home equity and retirement accounts. To retire, Allie has a BIG bet to make—one that could have a multi-million-dollar impact on her portfolio!     Using Scott’s “Keep or Sell Your Home” worksheet, we’ll look at whether it would make more sense for Allie to keep or sell her Laguna Beach property. Will turning this home into a rental property give her the cash flow she needs, or is selling it and investing in the stock market the better long-term play? Tune in as we attempt to thread the needle and provide Allie with the best roadmap for a long, early retirement!]]></description>
	<itunes:subtitle><![CDATA[There’s a “middle-class trap” that can keep anyone from FIRE—yes, even high-income earners. Today’s guest has a sizable nest egg that should allow her to retire early, but there are a few roadblocks in her way!     At forty-seven, Allie has already built]]></itunes:subtitle>
	<content:encoded><![CDATA[There’s a “middle-class trap” that can keep anyone from FIRE—yes, even high-income earners. Today’s guest has a sizable nest egg that should allow her to retire early, but there are a few roadblocks in her way!     At forty-seven, Allie has already built a net worth of $3,800,000. She would like to retire, and most people would assume she has enough to retire, but there are two problems. First, she lives in Orange County, California, one of the most expensive areas in the U.S., and has no plans to leave. The other issue? She has no cash! All of her money is tied up in home equity and retirement accounts. To retire, Allie has a BIG bet to make—one that could have a multi-million-dollar impact on her portfolio!     Using Scott’s “Keep or Sell Your Home” worksheet, we’ll look at whether it would make more sense for Allie to keep or sell her Laguna Beach property. Will turning this home into a rental property give her the cash flow she needs, or is selling it and investing in the stock market the better long-term play? Tune in as we attempt to thread the needle and provide Allie with the best roadmap for a long, early retirement!]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC3149431545.mp3" length="89529106" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[There’s a “middle-class trap” that can keep anyone from FIRE—yes, even high-income earners. Today’s guest has a sizable nest egg that should allow her to retire early, but there are a few roadblocks in her way!     At forty-seven, Allie has already built a net worth of $3,800,000. She would like to retire, and most people would assume she has enough to retire, but there are two problems. First, she lives in Orange County, California, one of the most expensive areas in the U.S., and has no plans to leave. The other issue? She has no cash! All of her money is tied up in home equity and retirement accounts. To retire, Allie has a BIG bet to make—one that could have a multi-million-dollar impact on her portfolio!     Using Scott’s “Keep or Sell Your Home” worksheet, we’ll look at whether it would make more sense for Allie to keep or sell her Laguna Beach property. Will turning this home into a rental property give her the cash flow she needs, or is selling it and investing in the stock market the better long-term play? Tune in as we attempt to thread the needle and provide Allie with the best roadmap for a long, early retirement!]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[There’s a “middle-class trap” that can keep anyone from FIRE—yes, even high-income earners. Today’s guest has a sizable nest egg that should allow her to retire early, but there are a few roadblocks in her way!     At forty-seven, Allie has already built a net worth of $3,800,000. She would like to retire, and most people would assume she has enough to retire, but there are two problems. First, she lives in Orange County, California, one of the most expensive areas in the U.S., and has no plans to leave. The other issue? She has no cash! All of her money is tied up in home equity and retirement accounts. To retire, Allie has a BIG bet to make—one that could have a multi-million-dollar impact on her portfolio!     Using Scott’s “Keep or Sell Your Home” worksheet, we’ll look at whether it would make more sense for Allie to keep or sell her Laguna Beach property. Will turning this home into a rental property give her the cash flow she needs, or is selling it and investing in the stock ma]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>7 Scorching Money Hot Takes That Will Make Your Financial Advisor Cringe</title>
	<link>https://biggerpocketsmoney.com/podcast/7-scorching-money-hot-takes-that-will-make-your-financial-advisor-cringe/</link>
	<pubDate>Tue, 26 Nov 2024 09:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">fe7c2de8-7062-11ef-b115-43b43512e04d</guid>
	<description><![CDATA[Is frugality overrated? Is hustle culture a waste of time? Do we over-save for retirement? You don’t have to look very far to find a hot take online, but is there some truth to these opinions? Today, we’ll wade through bad financial advice, bust common money myths, and (hopefully) find some personal finance tips we agree with!  Welcome back to the BiggerPockets Money podcast! Personal finance is personal for a reason. Spending, saving, and investing vary from one person to the next based on their habits, risk tolerance, and season of life. But how much advice is just flat-out wrong? In this episode, Mindy and Amanda Wolfe are breaking down some of the internet’s wildest views on money. First, we’ll share some of the biggest lies we were told about money when we started our financial independence journeys—like “the stock market is too risky” and “you should work until age sixty-five.”  Then, we’ll dive into seven controversial opinions and whether there’s any validity to them. Should FIRE-focused folks ever take work sabbaticals? Is a one or two-month emergency fund enough in 2024? Is being a lifelong renter ever a savvy move? Which takes do we oppose, and which advice is actually worth following? Stay tuned to find out!]]></description>
	<itunes:subtitle><![CDATA[Is frugality overrated? Is hustle culture a waste of time? Do we over-save for retirement? You don’t have to look very far to find a hot take online, but is there some truth to these opinions? Today, we’ll wade through bad financial advice, bust common m]]></itunes:subtitle>
	<content:encoded><![CDATA[Is frugality overrated? Is hustle culture a waste of time? Do we over-save for retirement? You don’t have to look very far to find a hot take online, but is there some truth to these opinions? Today, we’ll wade through bad financial advice, bust common money myths, and (hopefully) find some personal finance tips we agree with!  Welcome back to the BiggerPockets Money podcast! Personal finance is personal for a reason. Spending, saving, and investing vary from one person to the next based on their habits, risk tolerance, and season of life. But how much advice is just flat-out wrong? In this episode, Mindy and Amanda Wolfe are breaking down some of the internet’s wildest views on money. First, we’ll share some of the biggest lies we were told about money when we started our financial independence journeys—like “the stock market is too risky” and “you should work until age sixty-five.”  Then, we’ll dive into seven controversial opinions and whether there’s any validity to them. Should FIRE-focused folks ever take work sabbaticals? Is a one or two-month emergency fund enough in 2024? Is being a lifelong renter ever a savvy move? Which takes do we oppose, and which advice is actually worth following? Stay tuned to find out!]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC7605822275.mp3" length="70510455" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[Is frugality overrated? Is hustle culture a waste of time? Do we over-save for retirement? You don’t have to look very far to find a hot take online, but is there some truth to these opinions? Today, we’ll wade through bad financial advice, bust common money myths, and (hopefully) find some personal finance tips we agree with!  Welcome back to the BiggerPockets Money podcast! Personal finance is personal for a reason. Spending, saving, and investing vary from one person to the next based on their habits, risk tolerance, and season of life. But how much advice is just flat-out wrong? In this episode, Mindy and Amanda Wolfe are breaking down some of the internet’s wildest views on money. First, we’ll share some of the biggest lies we were told about money when we started our financial independence journeys—like “the stock market is too risky” and “you should work until age sixty-five.”  Then, we’ll dive into seven controversial opinions and whether there’s any validity to them. Should FIRE-focused folks ever take work sabbaticals? Is a one or two-month emergency fund enough in 2024? Is being a lifelong renter ever a savvy move? Which takes do we oppose, and which advice is actually worth following? Stay tuned to find out!]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[Is frugality overrated? Is hustle culture a waste of time? Do we over-save for retirement? You don’t have to look very far to find a hot take online, but is there some truth to these opinions? Today, we’ll wade through bad financial advice, bust common money myths, and (hopefully) find some personal finance tips we agree with!  Welcome back to the BiggerPockets Money podcast! Personal finance is personal for a reason. Spending, saving, and investing vary from one person to the next based on their habits, risk tolerance, and season of life. But how much advice is just flat-out wrong? In this episode, Mindy and Amanda Wolfe are breaking down some of the internet’s wildest views on money. First, we’ll share some of the biggest lies we were told about money when we started our financial independence journeys—like “the stock market is too risky” and “you should work until age sixty-five.”  Then, we’ll dive into seven controversial opinions and whether there’s any validity to them. Should F]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>FI by 34 After Making “Calculated” Bets that 99% of Us Would NOT Take</title>
	<link>https://biggerpocketsmoney.com/podcast/fi-by-34-after-making-calculated-bets-that-99-of-us-would-not-take/</link>
	<pubDate>Fri, 22 Nov 2024 10:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">ff20e6e4-7062-11ef-b115-9734c8ce60e6</guid>
	<description><![CDATA[If you follow the almost unbelievable path of today’s guest, you, too, could achieve financial independence in your thirties. Would we recommend mimicking his strategy step-by-step? No! Because if you get it wrong, you could be further from FIRE than when you started. Only the most prudent, risk-tolerant, and financially savvy among us could do what Andrew Schrader did.   After racking up six figures in car loans and student debt, Andrew knew something needed to change quickly. Thanks to his financial discipline, he paid his debts down fast, but what would he now do with the money he was sending toward debt every month? After a coworker threatened to quit on the spot without a care in the world (the coworker was FI), Andrew knew exactly what his next goal was.  So, he set out to do the impossible: Stretch his dollar as frugally as possible, spending in a year what many Americans live off of for a month and taking calculated bets that he knew the risks of. His unbelievable journey to FI will have you squirming in your chair (like Mindy did!) as you hear what incredible lengths you can go to reach your financial goals WAY faster than most Americans. ]]></description>
	<itunes:subtitle><![CDATA[If you follow the almost unbelievable path of today’s guest, you, too, could achieve financial independence in your thirties. Would we recommend mimicking his strategy step-by-step? No! Because if you get it wrong, you could be further from FIRE than whe]]></itunes:subtitle>
	<content:encoded><![CDATA[If you follow the almost unbelievable path of today’s guest, you, too, could achieve financial independence in your thirties. Would we recommend mimicking his strategy step-by-step? No! Because if you get it wrong, you could be further from FIRE than when you started. Only the most prudent, risk-tolerant, and financially savvy among us could do what Andrew Schrader did.   After racking up six figures in car loans and student debt, Andrew knew something needed to change quickly. Thanks to his financial discipline, he paid his debts down fast, but what would he now do with the money he was sending toward debt every month? After a coworker threatened to quit on the spot without a care in the world (the coworker was FI), Andrew knew exactly what his next goal was.  So, he set out to do the impossible: Stretch his dollar as frugally as possible, spending in a year what many Americans live off of for a month and taking calculated bets that he knew the risks of. His unbelievable journey to FI will have you squirming in your chair (like Mindy did!) as you hear what incredible lengths you can go to reach your financial goals WAY faster than most Americans. ]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC8231701536.mp3" length="77108965" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[If you follow the almost unbelievable path of today’s guest, you, too, could achieve financial independence in your thirties. Would we recommend mimicking his strategy step-by-step? No! Because if you get it wrong, you could be further from FIRE than when you started. Only the most prudent, risk-tolerant, and financially savvy among us could do what Andrew Schrader did.   After racking up six figures in car loans and student debt, Andrew knew something needed to change quickly. Thanks to his financial discipline, he paid his debts down fast, but what would he now do with the money he was sending toward debt every month? After a coworker threatened to quit on the spot without a care in the world (the coworker was FI), Andrew knew exactly what his next goal was.  So, he set out to do the impossible: Stretch his dollar as frugally as possible, spending in a year what many Americans live off of for a month and taking calculated bets that he knew the risks of. His unbelievable journey to FI will have you squirming in your chair (like Mindy did!) as you hear what incredible lengths you can go to reach your financial goals WAY faster than most Americans. ]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[If you follow the almost unbelievable path of today’s guest, you, too, could achieve financial independence in your thirties. Would we recommend mimicking his strategy step-by-step? No! Because if you get it wrong, you could be further from FIRE than when you started. Only the most prudent, risk-tolerant, and financially savvy among us could do what Andrew Schrader did.   After racking up six figures in car loans and student debt, Andrew knew something needed to change quickly. Thanks to his financial discipline, he paid his debts down fast, but what would he now do with the money he was sending toward debt every month? After a coworker threatened to quit on the spot without a care in the world (the coworker was FI), Andrew knew exactly what his next goal was.  So, he set out to do the impossible: Stretch his dollar as frugally as possible, spending in a year what many Americans live off of for a month and taking calculated bets that he knew the risks of. His unbelievable journey to F]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>Making Six Figures While Living Abroad (NO W2!) to FI Even Faster</title>
	<link>https://biggerpocketsmoney.com/podcast/making-six-figures-while-living-abroad-no-w2-to-fi-even-faster/</link>
	<pubDate>Tue, 19 Nov 2024 10:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">fe46e07a-7062-11ef-b115-9f282d3807da</guid>
	<description><![CDATA[Would you move abroad to reach FI faster? That wasn’t Brooklin Nash’s original goal when he left the US and began freelancing from afar. But now, years later, he realizes how much of a leg up he has financially by going all-in on “geo arbitrage.” He’s saving a boatload in Guatemala, paying less to live the life he loves, and enjoying a tiny tax bill. Now in his mid-thirties, he’s already Coast FIRE and works when and where he wants.    But Brooklin’s money story didn’t start so stable. Being raised in a home with “risky” finances, to say the least (pyramid schemes, gambling, etc.), left him scarred and constantly worrying about keeping enough money in the bank. Thankfully, he changed his ways and realized that making money, rather than just saving every cent, was crucial to becoming financially free.    He’s paid off a significant sum in student loans and did it all while making a very meager income. Then, he scaled from freelancing abroad to building an entire business, making a phenomenal income while living in a low-cost-of-living area. He’s living his dream life outside the US, making more money than Americans at home. Imagine what THAT can do for your FIRE number!]]></description>
	<itunes:subtitle><![CDATA[Would you move abroad to reach FI faster? That wasn’t Brooklin Nash’s original goal when he left the US and began freelancing from afar. But now, years later, he realizes how much of a leg up he has financially by going all-in on “geo arbitrage.” He’s sa]]></itunes:subtitle>
	<content:encoded><![CDATA[Would you move abroad to reach FI faster? That wasn’t Brooklin Nash’s original goal when he left the US and began freelancing from afar. But now, years later, he realizes how much of a leg up he has financially by going all-in on “geo arbitrage.” He’s saving a boatload in Guatemala, paying less to live the life he loves, and enjoying a tiny tax bill. Now in his mid-thirties, he’s already Coast FIRE and works when and where he wants.    But Brooklin’s money story didn’t start so stable. Being raised in a home with “risky” finances, to say the least (pyramid schemes, gambling, etc.), left him scarred and constantly worrying about keeping enough money in the bank. Thankfully, he changed his ways and realized that making money, rather than just saving every cent, was crucial to becoming financially free.    He’s paid off a significant sum in student loans and did it all while making a very meager income. Then, he scaled from freelancing abroad to building an entire business, making a phenomenal income while living in a low-cost-of-living area. He’s living his dream life outside the US, making more money than Americans at home. Imagine what THAT can do for your FIRE number!]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC1394354524.mp3" length="65812850" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[Would you move abroad to reach FI faster? That wasn’t Brooklin Nash’s original goal when he left the US and began freelancing from afar. But now, years later, he realizes how much of a leg up he has financially by going all-in on “geo arbitrage.” He’s saving a boatload in Guatemala, paying less to live the life he loves, and enjoying a tiny tax bill. Now in his mid-thirties, he’s already Coast FIRE and works when and where he wants.    But Brooklin’s money story didn’t start so stable. Being raised in a home with “risky” finances, to say the least (pyramid schemes, gambling, etc.), left him scarred and constantly worrying about keeping enough money in the bank. Thankfully, he changed his ways and realized that making money, rather than just saving every cent, was crucial to becoming financially free.    He’s paid off a significant sum in student loans and did it all while making a very meager income. Then, he scaled from freelancing abroad to building an entire business, making a phenomenal income while living in a low-cost-of-living area. He’s living his dream life outside the US, making more money than Americans at home. Imagine what THAT can do for your FIRE number!]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[Would you move abroad to reach FI faster? That wasn’t Brooklin Nash’s original goal when he left the US and began freelancing from afar. But now, years later, he realizes how much of a leg up he has financially by going all-in on “geo arbitrage.” He’s saving a boatload in Guatemala, paying less to live the life he loves, and enjoying a tiny tax bill. Now in his mid-thirties, he’s already Coast FIRE and works when and where he wants.    But Brooklin’s money story didn’t start so stable. Being raised in a home with “risky” finances, to say the least (pyramid schemes, gambling, etc.), left him scarred and constantly worrying about keeping enough money in the bank. Thankfully, he changed his ways and realized that making money, rather than just saving every cent, was crucial to becoming financially free.    He’s paid off a significant sum in student loans and did it all while making a very meager income. Then, he scaled from freelancing abroad to building an entire business, making a phen]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>FIRE at 50: The 4-Year Journey That Made Early Retirement a Reality</title>
	<link>https://biggerpocketsmoney.com/podcast/fire-at-50-the-4-year-journey-that-made-early-retirement-a-reality/</link>
	<pubDate>Fri, 15 Nov 2024 10:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">feeb8378-7062-11ef-b115-6b89e362e93f</guid>
	<description><![CDATA[Could a few years of aggressive saving put you in the fast lane for financial independence? Is the grind even worth it? Today’s guest was well on his way to a comfy retirement but had never thought about retiring early. Then he discovered the FIRE movement, and with just four years of all-out hustle, he was able to retire at fifty!     Welcome back to the BiggerPockets Money podcast! In 2020, Eric Reinholdt experienced a financial “awakening” that set him on a death march to FI and early retirement. For four years, he minimized his spending, maximized his savings, and threw every extra dollar at his investments. Today, he’s “chubby FI,” has a paid-off house, and is recently “retired”— working just ten hours per week on his own business while preparing to travel the world in 2025!     But was the glamorous destination worth the grueling journey? Should Eric have started earlier or slowed down to reach his FI number? Tune in to hear about the major lifestyle changes he and his wife made to accelerate retirement, the different levers he pulled to grow his nest egg, and the steps you might need to take if you want to replicate his success!]]></description>
	<itunes:subtitle><![CDATA[Could a few years of aggressive saving put you in the fast lane for financial independence? Is the grind even worth it? Today’s guest was well on his way to a comfy retirement but had never thought about retiring early. Then he discovered the FIRE moveme]]></itunes:subtitle>
	<content:encoded><![CDATA[Could a few years of aggressive saving put you in the fast lane for financial independence? Is the grind even worth it? Today’s guest was well on his way to a comfy retirement but had never thought about retiring early. Then he discovered the FIRE movement, and with just four years of all-out hustle, he was able to retire at fifty!     Welcome back to the BiggerPockets Money podcast! In 2020, Eric Reinholdt experienced a financial “awakening” that set him on a death march to FI and early retirement. For four years, he minimized his spending, maximized his savings, and threw every extra dollar at his investments. Today, he’s “chubby FI,” has a paid-off house, and is recently “retired”— working just ten hours per week on his own business while preparing to travel the world in 2025!     But was the glamorous destination worth the grueling journey? Should Eric have started earlier or slowed down to reach his FI number? Tune in to hear about the major lifestyle changes he and his wife made to accelerate retirement, the different levers he pulled to grow his nest egg, and the steps you might need to take if you want to replicate his success!]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC4118503994.mp3" length="69520133" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[Could a few years of aggressive saving put you in the fast lane for financial independence? Is the grind even worth it? Today’s guest was well on his way to a comfy retirement but had never thought about retiring early. Then he discovered the FIRE movement, and with just four years of all-out hustle, he was able to retire at fifty!     Welcome back to the BiggerPockets Money podcast! In 2020, Eric Reinholdt experienced a financial “awakening” that set him on a death march to FI and early retirement. For four years, he minimized his spending, maximized his savings, and threw every extra dollar at his investments. Today, he’s “chubby FI,” has a paid-off house, and is recently “retired”— working just ten hours per week on his own business while preparing to travel the world in 2025!     But was the glamorous destination worth the grueling journey? Should Eric have started earlier or slowed down to reach his FI number? Tune in to hear about the major lifestyle changes he and his wife made to accelerate retirement, the different levers he pulled to grow his nest egg, and the steps you might need to take if you want to replicate his success!]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[Could a few years of aggressive saving put you in the fast lane for financial independence? Is the grind even worth it? Today’s guest was well on his way to a comfy retirement but had never thought about retiring early. Then he discovered the FIRE movement, and with just four years of all-out hustle, he was able to retire at fifty!     Welcome back to the BiggerPockets Money podcast! In 2020, Eric Reinholdt experienced a financial “awakening” that set him on a death march to FI and early retirement. For four years, he minimized his spending, maximized his savings, and threw every extra dollar at his investments. Today, he’s “chubby FI,” has a paid-off house, and is recently “retired”— working just ten hours per week on his own business while preparing to travel the world in 2025!     But was the glamorous destination worth the grueling journey? Should Eric have started earlier or slowed down to reach his FI number? Tune in to hear about the major lifestyle changes he and his wife made]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>Do You Need Debt to Reach FIRE? How to Use Leverage to Build Wealth</title>
	<link>https://biggerpocketsmoney.com/podcast/do-you-need-debt-to-reach-fire-how-to-use-leverage-to-build-wealth/</link>
	<pubDate>Tue, 12 Nov 2024 10:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">fdfc4ad8-7062-11ef-b115-7b5f2a589c21</guid>
	<description><![CDATA[Is paying off debt or investing (and potentially using more debt) the best way to reach FIRE? The average American has $104,215 in mortgages, student loans, credit cards, and other debt. Where do YOU stand? If the end goal is FIRE, you need a game plan for your debt, in which case this episode is for you!     Welcome back to the BiggerPockets Money podcast! Not all debt is bad. When used responsibly, it can be a powerful tool that allows you to buy appreciating assets and hedge against inflation. Today, guest co-hosts Kyle Mast and Amanda Wolfe join our panel to share their thoughts on debt. We’ll share how much debt we each have (ranging from zero to millions), how our philosophies on debt have evolved, and how debt can ultimately help you reach FIRE.     But that’s not all. We’ll also discuss the types of bad debt that could derail your FIRE journey and the investments you don’t want to be stuck with during an economic downturn. We’ll even get into the most important financial protection against debt risk—savings and reserves—and why these funds should grow proportionally to your debt!]]></description>
	<itunes:subtitle><![CDATA[Is paying off debt or investing (and potentially using more debt) the best way to reach FIRE? The average American has $104,215 in mortgages, student loans, credit cards, and other debt. Where do YOU stand? If the end goal is FIRE, you need a game plan f]]></itunes:subtitle>
	<content:encoded><![CDATA[Is paying off debt or investing (and potentially using more debt) the best way to reach FIRE? The average American has $104,215 in mortgages, student loans, credit cards, and other debt. Where do YOU stand? If the end goal is FIRE, you need a game plan for your debt, in which case this episode is for you!     Welcome back to the BiggerPockets Money podcast! Not all debt is bad. When used responsibly, it can be a powerful tool that allows you to buy appreciating assets and hedge against inflation. Today, guest co-hosts Kyle Mast and Amanda Wolfe join our panel to share their thoughts on debt. We’ll share how much debt we each have (ranging from zero to millions), how our philosophies on debt have evolved, and how debt can ultimately help you reach FIRE.     But that’s not all. We’ll also discuss the types of bad debt that could derail your FIRE journey and the investments you don’t want to be stuck with during an economic downturn. We’ll even get into the most important financial protection against debt risk—savings and reserves—and why these funds should grow proportionally to your debt!]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC7144854653.mp3" length="84422849" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[Is paying off debt or investing (and potentially using more debt) the best way to reach FIRE? The average American has $104,215 in mortgages, student loans, credit cards, and other debt. Where do YOU stand? If the end goal is FIRE, you need a game plan for your debt, in which case this episode is for you!     Welcome back to the BiggerPockets Money podcast! Not all debt is bad. When used responsibly, it can be a powerful tool that allows you to buy appreciating assets and hedge against inflation. Today, guest co-hosts Kyle Mast and Amanda Wolfe join our panel to share their thoughts on debt. We’ll share how much debt we each have (ranging from zero to millions), how our philosophies on debt have evolved, and how debt can ultimately help you reach FIRE.     But that’s not all. We’ll also discuss the types of bad debt that could derail your FIRE journey and the investments you don’t want to be stuck with during an economic downturn. We’ll even get into the most important financial protection against debt risk—savings and reserves—and why these funds should grow proportionally to your debt!]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[Is paying off debt or investing (and potentially using more debt) the best way to reach FIRE? The average American has $104,215 in mortgages, student loans, credit cards, and other debt. Where do YOU stand? If the end goal is FIRE, you need a game plan for your debt, in which case this episode is for you!     Welcome back to the BiggerPockets Money podcast! Not all debt is bad. When used responsibly, it can be a powerful tool that allows you to buy appreciating assets and hedge against inflation. Today, guest co-hosts Kyle Mast and Amanda Wolfe join our panel to share their thoughts on debt. We’ll share how much debt we each have (ranging from zero to millions), how our philosophies on debt have evolved, and how debt can ultimately help you reach FIRE.     But that’s not all. We’ll also discuss the types of bad debt that could derail your FIRE journey and the investments you don’t want to be stuck with during an economic downturn. We’ll even get into the most important financial prote]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>How to Retire Early in Your 40s by Supercharging Your Savings</title>
	<link>https://biggerpocketsmoney.com/podcast/how-to-retire-early-in-your-40s-by-supercharging-your-savings/</link>
	<pubDate>Fri, 08 Nov 2024 10:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">feb4c540-7062-11ef-b115-73a3b53b447e</guid>
	<description><![CDATA[Yes, it’s possible to retire early, even if you’re just now diving into the FIRE movement. Early retirement could be within reach whether you’re in your twenties, thirties, forties, or fifties. Imagine having complete freedom in a decade or less: no office politics, no boss, and, best of all, no spreadsheets! That’s the life Arik Peterson built when he retired early at forty-four, leaving behind a demanding career in corporate investing.    After reading Mr. Money Mustache’s unmatched FIRE blog, Arik drastically changed his saving and investing habits, increasing his savings rate to seventy percent and redirecting his money into simple, steady investments many overlook. Today, his life looks vastly different—he spends his days fishing, biking, creating art, and working on DIY projects instead of staring at a computer screen, crunching numbers.     In this episode, Arik shares his complete strategy for reaching financial independence, why he’s skeptical of the 4% rule, his current investment choices, and how an unexpected layoff turned into his golden opportunity. Ready to ditch corporate America? Follow Arik’s plan!]]></description>
	<itunes:subtitle><![CDATA[Yes, it’s possible to retire early, even if you’re just now diving into the FIRE movement. Early retirement could be within reach whether you’re in your twenties, thirties, forties, or fifties. Imagine having complete freedom in a decade or less: no offi]]></itunes:subtitle>
	<content:encoded><![CDATA[Yes, it’s possible to retire early, even if you’re just now diving into the FIRE movement. Early retirement could be within reach whether you’re in your twenties, thirties, forties, or fifties. Imagine having complete freedom in a decade or less: no office politics, no boss, and, best of all, no spreadsheets! That’s the life Arik Peterson built when he retired early at forty-four, leaving behind a demanding career in corporate investing.    After reading Mr. Money Mustache’s unmatched FIRE blog, Arik drastically changed his saving and investing habits, increasing his savings rate to seventy percent and redirecting his money into simple, steady investments many overlook. Today, his life looks vastly different—he spends his days fishing, biking, creating art, and working on DIY projects instead of staring at a computer screen, crunching numbers.     In this episode, Arik shares his complete strategy for reaching financial independence, why he’s skeptical of the 4% rule, his current investment choices, and how an unexpected layoff turned into his golden opportunity. Ready to ditch corporate America? Follow Arik’s plan!]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC1116194777.mp3" length="36842401" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[Yes, it’s possible to retire early, even if you’re just now diving into the FIRE movement. Early retirement could be within reach whether you’re in your twenties, thirties, forties, or fifties. Imagine having complete freedom in a decade or less: no office politics, no boss, and, best of all, no spreadsheets! That’s the life Arik Peterson built when he retired early at forty-four, leaving behind a demanding career in corporate investing.    After reading Mr. Money Mustache’s unmatched FIRE blog, Arik drastically changed his saving and investing habits, increasing his savings rate to seventy percent and redirecting his money into simple, steady investments many overlook. Today, his life looks vastly different—he spends his days fishing, biking, creating art, and working on DIY projects instead of staring at a computer screen, crunching numbers.     In this episode, Arik shares his complete strategy for reaching financial independence, why he’s skeptical of the 4% rule, his current investment choices, and how an unexpected layoff turned into his golden opportunity. Ready to ditch corporate America? Follow Arik’s plan!]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[Yes, it’s possible to retire early, even if you’re just now diving into the FIRE movement. Early retirement could be within reach whether you’re in your twenties, thirties, forties, or fifties. Imagine having complete freedom in a decade or less: no office politics, no boss, and, best of all, no spreadsheets! That’s the life Arik Peterson built when he retired early at forty-four, leaving behind a demanding career in corporate investing.    After reading Mr. Money Mustache’s unmatched FIRE blog, Arik drastically changed his saving and investing habits, increasing his savings rate to seventy percent and redirecting his money into simple, steady investments many overlook. Today, his life looks vastly different—he spends his days fishing, biking, creating art, and working on DIY projects instead of staring at a computer screen, crunching numbers.     In this episode, Arik shares his complete strategy for reaching financial independence, why he’s skeptical of the 4% rule, his current inve]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>The Best (and Worst) States in the US to Retire in 2024 (FIRE Faster?)</title>
	<link>https://biggerpocketsmoney.com/podcast/the-best-and-worst-states-in-the-us-to-retire-in-2024-fire-faster/</link>
	<pubDate>Tue, 05 Nov 2024 10:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">fdc75d0a-7062-11ef-b115-53cbb68ca9c2</guid>
	<description><![CDATA[Should you move to reach FIRE? And if so, where to? In this episode, we’re pulling back the curtain and revealing the best places to retire in the US in 2024. Living in one of these states could help fast-track financial freedom, and moving there for retirement could help your nest egg go further and improve your quality of life!  Welcome back to the BiggerPockets Money podcast! Alex Gailey, a lead data reporter at Bankrate, has ranked all fifty states for retirement based on five weighted “buckets” made up of dozens of crucial data points. Today, she joins the show to share her findings with us. Whether you’re looking to put down roots in a low-cost-of-living area or find a location that delivers your ideal retirement lifestyle, this list of states is a useful launching point for one of the most important life decisions you’ll ever make!  In this episode, you’ll learn how changing your address could accelerate your financial independence timeline and allow you to retire early. Alex will break down the five factors people value most in retirement—affordability, well-being, cost and quality of healthcare, weather, and crime. Stay tuned to find out which states came out on top and which states you might want to avoid. The results even surprised us!]]></description>
	<itunes:subtitle><![CDATA[Should you move to reach FIRE? And if so, where to? In this episode, we’re pulling back the curtain and revealing the best places to retire in the US in 2024. Living in one of these states could help fast-track financial freedom, and moving there for ret]]></itunes:subtitle>
	<content:encoded><![CDATA[Should you move to reach FIRE? And if so, where to? In this episode, we’re pulling back the curtain and revealing the best places to retire in the US in 2024. Living in one of these states could help fast-track financial freedom, and moving there for retirement could help your nest egg go further and improve your quality of life!  Welcome back to the BiggerPockets Money podcast! Alex Gailey, a lead data reporter at Bankrate, has ranked all fifty states for retirement based on five weighted “buckets” made up of dozens of crucial data points. Today, she joins the show to share her findings with us. Whether you’re looking to put down roots in a low-cost-of-living area or find a location that delivers your ideal retirement lifestyle, this list of states is a useful launching point for one of the most important life decisions you’ll ever make!  In this episode, you’ll learn how changing your address could accelerate your financial independence timeline and allow you to retire early. Alex will break down the five factors people value most in retirement—affordability, well-being, cost and quality of healthcare, weather, and crime. Stay tuned to find out which states came out on top and which states you might want to avoid. The results even surprised us!]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC6569810711.mp3" length="57537977" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[Should you move to reach FIRE? And if so, where to? In this episode, we’re pulling back the curtain and revealing the best places to retire in the US in 2024. Living in one of these states could help fast-track financial freedom, and moving there for retirement could help your nest egg go further and improve your quality of life!  Welcome back to the BiggerPockets Money podcast! Alex Gailey, a lead data reporter at Bankrate, has ranked all fifty states for retirement based on five weighted “buckets” made up of dozens of crucial data points. Today, she joins the show to share her findings with us. Whether you’re looking to put down roots in a low-cost-of-living area or find a location that delivers your ideal retirement lifestyle, this list of states is a useful launching point for one of the most important life decisions you’ll ever make!  In this episode, you’ll learn how changing your address could accelerate your financial independence timeline and allow you to retire early. Alex will break down the five factors people value most in retirement—affordability, well-being, cost and quality of healthcare, weather, and crime. Stay tuned to find out which states came out on top and which states you might want to avoid. The results even surprised us!]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[Should you move to reach FIRE? And if so, where to? In this episode, we’re pulling back the curtain and revealing the best places to retire in the US in 2024. Living in one of these states could help fast-track financial freedom, and moving there for retirement could help your nest egg go further and improve your quality of life!  Welcome back to the BiggerPockets Money podcast! Alex Gailey, a lead data reporter at Bankrate, has ranked all fifty states for retirement based on five weighted “buckets” made up of dozens of crucial data points. Today, she joins the show to share her findings with us. Whether you’re looking to put down roots in a low-cost-of-living area or find a location that delivers your ideal retirement lifestyle, this list of states is a useful launching point for one of the most important life decisions you’ll ever make!  In this episode, you’ll learn how changing your address could accelerate your financial independence timeline and allow you to retire early. Alex w]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>Finance Friday: Signs You’re Saving TOO Much for Retirement</title>
	<link>https://biggerpocketsmoney.com/podcast/finance-friday-signs-youre-saving-too-much-for-retirement/</link>
	<pubDate>Fri, 01 Nov 2024 09:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">fd91da4a-7062-11ef-b115-b32a33ad2333</guid>
	<description><![CDATA[Are you saving TOO much for retirement (or early retirement)? Could you retire years sooner than you think? Will retirement expenses be even less than what you spend now, allowing you to reach FIRE faster with a smaller nest egg? Today, we’re getting into that exact question as Finance Friday guest Ethan asks how he can ensure he’s on the right track for early retirement by age fifty-five. And if you’re like Ethan, you could retire RIGHT NOW…but should you?  Ethan is spending a LOT of money every month. He’s got two kids in private school, extracurricular sports fees, pricey car payments, and a mortgage. The good news? He’s raking in cash at his high-paying tech job! His current expenses cost him nearly $20,000 per month, but this number could be cut in half (if not more) once his kids leave the house. This means that his FIRE number might be a fraction of what he thinks it has to be to retire early.  Speaking of early retirement, is it wise to leave such a high-paying career to sit on the beach all day? Ethan has the skills and the energy to make a sizable income, so what should he do instead of full-time work once he reaches early retirement? Should he transition to part-time consulting, focus more on rental property investing, or buy a business?]]></description>
	<itunes:subtitle><![CDATA[Are you saving TOO much for retirement (or early retirement)? Could you retire years sooner than you think? Will retirement expenses be even less than what you spend now, allowing you to reach FIRE faster with a smaller nest egg? Today, we’re getting int]]></itunes:subtitle>
	<content:encoded><![CDATA[Are you saving TOO much for retirement (or early retirement)? Could you retire years sooner than you think? Will retirement expenses be even less than what you spend now, allowing you to reach FIRE faster with a smaller nest egg? Today, we’re getting into that exact question as Finance Friday guest Ethan asks how he can ensure he’s on the right track for early retirement by age fifty-five. And if you’re like Ethan, you could retire RIGHT NOW…but should you?  Ethan is spending a LOT of money every month. He’s got two kids in private school, extracurricular sports fees, pricey car payments, and a mortgage. The good news? He’s raking in cash at his high-paying tech job! His current expenses cost him nearly $20,000 per month, but this number could be cut in half (if not more) once his kids leave the house. This means that his FIRE number might be a fraction of what he thinks it has to be to retire early.  Speaking of early retirement, is it wise to leave such a high-paying career to sit on the beach all day? Ethan has the skills and the energy to make a sizable income, so what should he do instead of full-time work once he reaches early retirement? Should he transition to part-time consulting, focus more on rental property investing, or buy a business?]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC1391954305.mp3" length="83715873" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[Are you saving TOO much for retirement (or early retirement)? Could you retire years sooner than you think? Will retirement expenses be even less than what you spend now, allowing you to reach FIRE faster with a smaller nest egg? Today, we’re getting into that exact question as Finance Friday guest Ethan asks how he can ensure he’s on the right track for early retirement by age fifty-five. And if you’re like Ethan, you could retire RIGHT NOW…but should you?  Ethan is spending a LOT of money every month. He’s got two kids in private school, extracurricular sports fees, pricey car payments, and a mortgage. The good news? He’s raking in cash at his high-paying tech job! His current expenses cost him nearly $20,000 per month, but this number could be cut in half (if not more) once his kids leave the house. This means that his FIRE number might be a fraction of what he thinks it has to be to retire early.  Speaking of early retirement, is it wise to leave such a high-paying career to sit on the beach all day? Ethan has the skills and the energy to make a sizable income, so what should he do instead of full-time work once he reaches early retirement? Should he transition to part-time consulting, focus more on rental property investing, or buy a business?]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[Are you saving TOO much for retirement (or early retirement)? Could you retire years sooner than you think? Will retirement expenses be even less than what you spend now, allowing you to reach FIRE faster with a smaller nest egg? Today, we’re getting into that exact question as Finance Friday guest Ethan asks how he can ensure he’s on the right track for early retirement by age fifty-five. And if you’re like Ethan, you could retire RIGHT NOW…but should you?  Ethan is spending a LOT of money every month. He’s got two kids in private school, extracurricular sports fees, pricey car payments, and a mortgage. The good news? He’s raking in cash at his high-paying tech job! His current expenses cost him nearly $20,000 per month, but this number could be cut in half (if not more) once his kids leave the house. This means that his FIRE number might be a fraction of what he thinks it has to be to retire early.  Speaking of early retirement, is it wise to leave such a high-paying career to sit o]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>Reviewing Our FIRE Journeys, Timelines, and Single Biggest Regret</title>
	<link>https://biggerpocketsmoney.com/podcast/reviewing-our-fire-journeys-timelines-and-single-biggest-regret/</link>
	<pubDate>Tue, 29 Oct 2024 09:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">fcb77e22-7062-11ef-b115-1f866536623d</guid>
	<description><![CDATA[You can attack financial independence from one of two angles. You can create a strict timeline for achieving FIRE, or you can calculate your FIRE number and take your time with it. Which approach works best, and should you ever move the goalposts? Stay tuned to find out!  Welcome back to the BiggerPockets Money podcast! Today, Scott and Mindy are reflecting on their journeys to financial freedom—how they started, set realistic objectives, and allowed those objectives to evolve. They’ll also share about the major “events” that propelled them toward their goals, the big lifestyle changes they have made since reaching financial independence, and the ONE thing they wish they had done differently!  Whether you’re starting from zero or already on your way to FIRE, there are some personal finance fundamentals you’ve got to master: lowering your expenses and increasing your income. This combination will allow you to save more money, multiply your investments, and accelerate your FI timeline. But that’s not all. You’ll also hear about the job “trap” that keeps so many people from reaching FIRE, and why time (NOT money) is the resource we’re all actually chasing!]]></description>
	<itunes:subtitle><![CDATA[You can attack financial independence from one of two angles. You can create a strict timeline for achieving FIRE, or you can calculate your FIRE number and take your time with it. Which approach works best, and should you ever move the goalposts? Stay t]]></itunes:subtitle>
	<content:encoded><![CDATA[You can attack financial independence from one of two angles. You can create a strict timeline for achieving FIRE, or you can calculate your FIRE number and take your time with it. Which approach works best, and should you ever move the goalposts? Stay tuned to find out!  Welcome back to the BiggerPockets Money podcast! Today, Scott and Mindy are reflecting on their journeys to financial freedom—how they started, set realistic objectives, and allowed those objectives to evolve. They’ll also share about the major “events” that propelled them toward their goals, the big lifestyle changes they have made since reaching financial independence, and the ONE thing they wish they had done differently!  Whether you’re starting from zero or already on your way to FIRE, there are some personal finance fundamentals you’ve got to master: lowering your expenses and increasing your income. This combination will allow you to save more money, multiply your investments, and accelerate your FI timeline. But that’s not all. You’ll also hear about the job “trap” that keeps so many people from reaching FIRE, and why time (NOT money) is the resource we’re all actually chasing!]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC7343708861.mp3" length="66005976" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[You can attack financial independence from one of two angles. You can create a strict timeline for achieving FIRE, or you can calculate your FIRE number and take your time with it. Which approach works best, and should you ever move the goalposts? Stay tuned to find out!  Welcome back to the BiggerPockets Money podcast! Today, Scott and Mindy are reflecting on their journeys to financial freedom—how they started, set realistic objectives, and allowed those objectives to evolve. They’ll also share about the major “events” that propelled them toward their goals, the big lifestyle changes they have made since reaching financial independence, and the ONE thing they wish they had done differently!  Whether you’re starting from zero or already on your way to FIRE, there are some personal finance fundamentals you’ve got to master: lowering your expenses and increasing your income. This combination will allow you to save more money, multiply your investments, and accelerate your FI timeline. But that’s not all. You’ll also hear about the job “trap” that keeps so many people from reaching FIRE, and why time (NOT money) is the resource we’re all actually chasing!]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[You can attack financial independence from one of two angles. You can create a strict timeline for achieving FIRE, or you can calculate your FIRE number and take your time with it. Which approach works best, and should you ever move the goalposts? Stay tuned to find out!  Welcome back to the BiggerPockets Money podcast! Today, Scott and Mindy are reflecting on their journeys to financial freedom—how they started, set realistic objectives, and allowed those objectives to evolve. They’ll also share about the major “events” that propelled them toward their goals, the big lifestyle changes they have made since reaching financial independence, and the ONE thing they wish they had done differently!  Whether you’re starting from zero or already on your way to FIRE, there are some personal finance fundamentals you’ve got to master: lowering your expenses and increasing your income. This combination will allow you to save more money, multiply your investments, and accelerate your FI timeline. ]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>Finance Friday: FI by 40? Make These Career and Investment Moves Now</title>
	<link>https://biggerpocketsmoney.com/podcast/finance-friday-fi-by-40-make-these-career-and-investment-moves-now/</link>
	<pubDate>Fri, 25 Oct 2024 09:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">fd59ccea-7062-11ef-b115-4b0907620be7</guid>
	<description><![CDATA[Everyone wants to become “work-optional” at some point. Having enough money in investments and the bank would allow you to choose the job you love most, whether that’s running your own business, working part-time, or today’s guest, Travis’ dream, becoming a mountain biking guide. With a solid salary, dual income, and no plans for kids, he and his wife are on the fast track to FIRE, but can they get there by his goal of forty years old?   Travis’ wife may have an option to get a significant salary bump, allowing them to travel the country while she works, and Travis stays making money from his computer. But, even this may not be enough to get them to the “work optional by forty” goal they had set out for themselves. Scott and Mindy believe they need a financial “oomph” to get them over the edge, but what’s the next best move?  Should he stop his retirement account contributions to have more cash to invest for early retirement? Should he perform a live-in flip to make more money on the side while working his job? Would a side hustle or part-time job bridge the investing gap between where they are and where they need to be? If you’re stuck feeling like you can’t get to FI fast enough, this episode is for YOU!]]></description>
	<itunes:subtitle><![CDATA[Everyone wants to become “work-optional” at some point. Having enough money in investments and the bank would allow you to choose the job you love most, whether that’s running your own business, working part-time, or today’s guest, Travis’ dream, becomin]]></itunes:subtitle>
	<content:encoded><![CDATA[Everyone wants to become “work-optional” at some point. Having enough money in investments and the bank would allow you to choose the job you love most, whether that’s running your own business, working part-time, or today’s guest, Travis’ dream, becoming a mountain biking guide. With a solid salary, dual income, and no plans for kids, he and his wife are on the fast track to FIRE, but can they get there by his goal of forty years old?   Travis’ wife may have an option to get a significant salary bump, allowing them to travel the country while she works, and Travis stays making money from his computer. But, even this may not be enough to get them to the “work optional by forty” goal they had set out for themselves. Scott and Mindy believe they need a financial “oomph” to get them over the edge, but what’s the next best move?  Should he stop his retirement account contributions to have more cash to invest for early retirement? Should he perform a live-in flip to make more money on the side while working his job? Would a side hustle or part-time job bridge the investing gap between where they are and where they need to be? If you’re stuck feeling like you can’t get to FI fast enough, this episode is for YOU!]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC3130141909.mp3" length="73990751" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[Everyone wants to become “work-optional” at some point. Having enough money in investments and the bank would allow you to choose the job you love most, whether that’s running your own business, working part-time, or today’s guest, Travis’ dream, becoming a mountain biking guide. With a solid salary, dual income, and no plans for kids, he and his wife are on the fast track to FIRE, but can they get there by his goal of forty years old?   Travis’ wife may have an option to get a significant salary bump, allowing them to travel the country while she works, and Travis stays making money from his computer. But, even this may not be enough to get them to the “work optional by forty” goal they had set out for themselves. Scott and Mindy believe they need a financial “oomph” to get them over the edge, but what’s the next best move?  Should he stop his retirement account contributions to have more cash to invest for early retirement? Should he perform a live-in flip to make more money on the side while working his job? Would a side hustle or part-time job bridge the investing gap between where they are and where they need to be? If you’re stuck feeling like you can’t get to FI fast enough, this episode is for YOU!]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[Everyone wants to become “work-optional” at some point. Having enough money in investments and the bank would allow you to choose the job you love most, whether that’s running your own business, working part-time, or today’s guest, Travis’ dream, becoming a mountain biking guide. With a solid salary, dual income, and no plans for kids, he and his wife are on the fast track to FIRE, but can they get there by his goal of forty years old?   Travis’ wife may have an option to get a significant salary bump, allowing them to travel the country while she works, and Travis stays making money from his computer. But, even this may not be enough to get them to the “work optional by forty” goal they had set out for themselves. Scott and Mindy believe they need a financial “oomph” to get them over the edge, but what’s the next best move?  Should he stop his retirement account contributions to have more cash to invest for early retirement? Should he perform a live-in flip to make more money on the ]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>Fast-Track FI by “Gamifying” Your Finances and Making Your Own Luck</title>
	<link>https://biggerpocketsmoney.com/podcast/fast-track-fi-by-gamifying-your-finances-and-making-your-own-luck/</link>
	<pubDate>Tue, 22 Oct 2024 09:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">fc82952c-7062-11ef-b115-a74c5a0849c0</guid>
	<description><![CDATA[The combination of saving money and buying rentals is a recipe for reaching financial independence much faster than you thought possible. Just ask today’s guest, who started with tens of thousands of dollars in debt but was able to achieve FI in just a few years!     Henry Washington is a real estate investor, author of Real Estate Deal Maker, and co-host of the On the Market podcast, but he doesn’t have your typical “rags-to-riches” money story. Despite an upper-middle-class upbringing and landing a six-figure job right out of college, Henry was a serial spender. Before he knew it, he had racked up $40,000 in credit card debt and was told by banks that he was unlendable. Horrified by what his family’s future would look like on its current trajectory, Henry was determined to get his finances in check. He caught the real estate bug, attended meetups and networking events, befriended other investors, and found his first deal!     Henry went on to build and scale a real estate portfolio of over 140 units, and in this episode, he provides actionable advice that will help you break into real estate—whether you aspire to own a single rental property or twenty. Along the way, you’ll learn about “gamifying” your way to financial freedom, funding a down payment without money in the bank, and the recession-proof investing strategy Henry still uses today!]]></description>
	<itunes:subtitle><![CDATA[The combination of saving money and buying rentals is a recipe for reaching financial independence much faster than you thought possible. Just ask today’s guest, who started with tens of thousands of dollars in debt but was able to achieve FI in just a f]]></itunes:subtitle>
	<content:encoded><![CDATA[The combination of saving money and buying rentals is a recipe for reaching financial independence much faster than you thought possible. Just ask today’s guest, who started with tens of thousands of dollars in debt but was able to achieve FI in just a few years!     Henry Washington is a real estate investor, author of Real Estate Deal Maker, and co-host of the On the Market podcast, but he doesn’t have your typical “rags-to-riches” money story. Despite an upper-middle-class upbringing and landing a six-figure job right out of college, Henry was a serial spender. Before he knew it, he had racked up $40,000 in credit card debt and was told by banks that he was unlendable. Horrified by what his family’s future would look like on its current trajectory, Henry was determined to get his finances in check. He caught the real estate bug, attended meetups and networking events, befriended other investors, and found his first deal!     Henry went on to build and scale a real estate portfolio of over 140 units, and in this episode, he provides actionable advice that will help you break into real estate—whether you aspire to own a single rental property or twenty. Along the way, you’ll learn about “gamifying” your way to financial freedom, funding a down payment without money in the bank, and the recession-proof investing strategy Henry still uses today!]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC1920541401.mp3" length="80602507" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[The combination of saving money and buying rentals is a recipe for reaching financial independence much faster than you thought possible. Just ask today’s guest, who started with tens of thousands of dollars in debt but was able to achieve FI in just a few years!     Henry Washington is a real estate investor, author of Real Estate Deal Maker, and co-host of the On the Market podcast, but he doesn’t have your typical “rags-to-riches” money story. Despite an upper-middle-class upbringing and landing a six-figure job right out of college, Henry was a serial spender. Before he knew it, he had racked up $40,000 in credit card debt and was told by banks that he was unlendable. Horrified by what his family’s future would look like on its current trajectory, Henry was determined to get his finances in check. He caught the real estate bug, attended meetups and networking events, befriended other investors, and found his first deal!     Henry went on to build and scale a real estate portfolio of over 140 units, and in this episode, he provides actionable advice that will help you break into real estate—whether you aspire to own a single rental property or twenty. Along the way, you’ll learn about “gamifying” your way to financial freedom, funding a down payment without money in the bank, and the recession-proof investing strategy Henry still uses today!]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[The combination of saving money and buying rentals is a recipe for reaching financial independence much faster than you thought possible. Just ask today’s guest, who started with tens of thousands of dollars in debt but was able to achieve FI in just a few years!     Henry Washington is a real estate investor, author of Real Estate Deal Maker, and co-host of the On the Market podcast, but he doesn’t have your typical “rags-to-riches” money story. Despite an upper-middle-class upbringing and landing a six-figure job right out of college, Henry was a serial spender. Before he knew it, he had racked up $40,000 in credit card debt and was told by banks that he was unlendable. Horrified by what his family’s future would look like on its current trajectory, Henry was determined to get his finances in check. He caught the real estate bug, attended meetups and networking events, befriended other investors, and found his first deal!     Henry went on to build and scale a real estate portfolio ]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>On Track to Retire a Millionaire After Living Paycheck to Paycheck</title>
	<link>https://biggerpocketsmoney.com/podcast/on-track-to-retire-a-millionaire-after-living-paycheck-to-paycheck/</link>
	<pubDate>Fri, 18 Oct 2024 09:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">fd235534-7062-11ef-b115-675b31edfc07</guid>
	<description><![CDATA[Just a short while back, Marisa Mae was caught in the paycheck-to-paycheck trap, her credit cards stretched to their limits with no emergency savings to speak of, all while wrestling with constant financial stress. Today, she’s on a clear path to retire as a millionaire. Her secret? Mastering the art of debt repayment without succumbing to severe frugality. Marisa managed to eliminate five-figure consumer debt, not by cutting out her cherished coffee runs, but by smart financial planning. Isn’t that supposed to be a big FIRE faux pas?  Marisa’s turning point came at rock bottom—stranded without a place to stay or a dollar to her name. But instead of going back to restrictive budgeting and punishing herself for her overspending, she built a financial plan that worked specifically for her.   Now, Marisa is ready to show others that achieving financial freedom, eradicating debt, and even starting to invest can all happen WITHOUT cutting everything enjoyable out of your life. If you’re battling to escape bad debt, Marisa’s approach could liberate you faster than you think—even if you struggle to find financial balance. ]]></description>
	<itunes:subtitle><![CDATA[Just a short while back, Marisa Mae was caught in the paycheck-to-paycheck trap, her credit cards stretched to their limits with no emergency savings to speak of, all while wrestling with constant financial stress. Today, she’s on a clear path to retire ]]></itunes:subtitle>
	<content:encoded><![CDATA[Just a short while back, Marisa Mae was caught in the paycheck-to-paycheck trap, her credit cards stretched to their limits with no emergency savings to speak of, all while wrestling with constant financial stress. Today, she’s on a clear path to retire as a millionaire. Her secret? Mastering the art of debt repayment without succumbing to severe frugality. Marisa managed to eliminate five-figure consumer debt, not by cutting out her cherished coffee runs, but by smart financial planning. Isn’t that supposed to be a big FIRE faux pas?  Marisa’s turning point came at rock bottom—stranded without a place to stay or a dollar to her name. But instead of going back to restrictive budgeting and punishing herself for her overspending, she built a financial plan that worked specifically for her.   Now, Marisa is ready to show others that achieving financial freedom, eradicating debt, and even starting to invest can all happen WITHOUT cutting everything enjoyable out of your life. If you’re battling to escape bad debt, Marisa’s approach could liberate you faster than you think—even if you struggle to find financial balance. ]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC7250648874.mp3" length="46975898" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[Just a short while back, Marisa Mae was caught in the paycheck-to-paycheck trap, her credit cards stretched to their limits with no emergency savings to speak of, all while wrestling with constant financial stress. Today, she’s on a clear path to retire as a millionaire. Her secret? Mastering the art of debt repayment without succumbing to severe frugality. Marisa managed to eliminate five-figure consumer debt, not by cutting out her cherished coffee runs, but by smart financial planning. Isn’t that supposed to be a big FIRE faux pas?  Marisa’s turning point came at rock bottom—stranded without a place to stay or a dollar to her name. But instead of going back to restrictive budgeting and punishing herself for her overspending, she built a financial plan that worked specifically for her.   Now, Marisa is ready to show others that achieving financial freedom, eradicating debt, and even starting to invest can all happen WITHOUT cutting everything enjoyable out of your life. If you’re battling to escape bad debt, Marisa’s approach could liberate you faster than you think—even if you struggle to find financial balance. ]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[Just a short while back, Marisa Mae was caught in the paycheck-to-paycheck trap, her credit cards stretched to their limits with no emergency savings to speak of, all while wrestling with constant financial stress. Today, she’s on a clear path to retire as a millionaire. Her secret? Mastering the art of debt repayment without succumbing to severe frugality. Marisa managed to eliminate five-figure consumer debt, not by cutting out her cherished coffee runs, but by smart financial planning. Isn’t that supposed to be a big FIRE faux pas?  Marisa’s turning point came at rock bottom—stranded without a place to stay or a dollar to her name. But instead of going back to restrictive budgeting and punishing herself for her overspending, she built a financial plan that worked specifically for her.   Now, Marisa is ready to show others that achieving financial freedom, eradicating debt, and even starting to invest can all happen WITHOUT cutting everything enjoyable out of your life. If you’re ba]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>Should You Keep or Sell Your House? Use This Tool to Find Out in Minutes</title>
	<link>https://biggerpocketsmoney.com/podcast/should-you-keep-or-sell-your-house-use-this-tool-to-find-out-in-minutes/</link>
	<pubDate>Tue, 15 Oct 2024 09:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">fc4da718-7062-11ef-b115-af54f1160e98</guid>
	<description><![CDATA[Should you sell your house or keep it as a rental property in 2024? What you do with your home today could create a million-dollar swing in your portfolio ten, twenty, or thirty years from now. Fortunately, we’ve developed a powerful new tool to help you make the best decision for your financial future!  Welcome back to the BiggerPockets Money podcast! If you refinanced your mortgage around 2021, chances are you’re sitting on a low interest rate the likes of which we’re unlikely to see again. The recent rise in rates and home prices has created a “lock-in effect,” where millions of homeowners are disincentivized to sell. But does it make sense to sell if you can roll your home equity into another wealth-building asset? Could you convert your house into a rental and create hundreds of dollars in monthly cash flow?  Today, we’re giving you a step-by-step walkthrough of our new “Keep or Sell Your Home” worksheet. We’ll compare four outcomes—selling your home to buy another property, selling your property and investing in stocks, keeping the property and hiring a property manager, and keeping the property and becoming a landlord. Along the way, we’ll use several examples of homeowners so that you can get an idea of where you might stand!]]></description>
	<itunes:subtitle><![CDATA[Should you sell your house or keep it as a rental property in 2024? What you do with your home today could create a million-dollar swing in your portfolio ten, twenty, or thirty years from now. Fortunately, we’ve developed a powerful new tool to help you]]></itunes:subtitle>
	<content:encoded><![CDATA[Should you sell your house or keep it as a rental property in 2024? What you do with your home today could create a million-dollar swing in your portfolio ten, twenty, or thirty years from now. Fortunately, we’ve developed a powerful new tool to help you make the best decision for your financial future!  Welcome back to the BiggerPockets Money podcast! If you refinanced your mortgage around 2021, chances are you’re sitting on a low interest rate the likes of which we’re unlikely to see again. The recent rise in rates and home prices has created a “lock-in effect,” where millions of homeowners are disincentivized to sell. But does it make sense to sell if you can roll your home equity into another wealth-building asset? Could you convert your house into a rental and create hundreds of dollars in monthly cash flow?  Today, we’re giving you a step-by-step walkthrough of our new “Keep or Sell Your Home” worksheet. We’ll compare four outcomes—selling your home to buy another property, selling your property and investing in stocks, keeping the property and hiring a property manager, and keeping the property and becoming a landlord. Along the way, we’ll use several examples of homeowners so that you can get an idea of where you might stand!]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC5927679752.mp3" length="67345747" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[Should you sell your house or keep it as a rental property in 2024? What you do with your home today could create a million-dollar swing in your portfolio ten, twenty, or thirty years from now. Fortunately, we’ve developed a powerful new tool to help you make the best decision for your financial future!  Welcome back to the BiggerPockets Money podcast! If you refinanced your mortgage around 2021, chances are you’re sitting on a low interest rate the likes of which we’re unlikely to see again. The recent rise in rates and home prices has created a “lock-in effect,” where millions of homeowners are disincentivized to sell. But does it make sense to sell if you can roll your home equity into another wealth-building asset? Could you convert your house into a rental and create hundreds of dollars in monthly cash flow?  Today, we’re giving you a step-by-step walkthrough of our new “Keep or Sell Your Home” worksheet. We’ll compare four outcomes—selling your home to buy another property, selling your property and investing in stocks, keeping the property and hiring a property manager, and keeping the property and becoming a landlord. Along the way, we’ll use several examples of homeowners so that you can get an idea of where you might stand!]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
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	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[Should you sell your house or keep it as a rental property in 2024? What you do with your home today could create a million-dollar swing in your portfolio ten, twenty, or thirty years from now. Fortunately, we’ve developed a powerful new tool to help you make the best decision for your financial future!  Welcome back to the BiggerPockets Money podcast! If you refinanced your mortgage around 2021, chances are you’re sitting on a low interest rate the likes of which we’re unlikely to see again. The recent rise in rates and home prices has created a “lock-in effect,” where millions of homeowners are disincentivized to sell. But does it make sense to sell if you can roll your home equity into another wealth-building asset? Could you convert your house into a rental and create hundreds of dollars in monthly cash flow?  Today, we’re giving you a step-by-step walkthrough of our new “Keep or Sell Your Home” worksheet. We’ll compare four outcomes—selling your home to buy another property, sell]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
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<item>
	<title>4 Ways to Make Passive Income from Real Estate (Don’t Quit Your 9-5!) w/Devon Kennard</title>
	<link>https://biggerpocketsmoney.com/podcast/4-ways-to-make-passive-income-from-real-estate-dont-quit-your-9-5-w-devon-kennard/</link>
	<pubDate>Fri, 11 Oct 2024 09:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">fced2c70-7062-11ef-b115-cf861f30a3a2</guid>
	<description><![CDATA[Real estate investing is one of the best vehicles for building wealth, reaching financial independence, and saving for retirement, but you don’t need to become a full-time investor to reap the benefits. If you have no plans to leave your W2 job or manage rentals, there are several ways to use real estate for passive income!  Welcome back to the BiggerPockets Money podcast! When Devon Kennard entered the NFL, he ran into more money than he had ever made. But with no guarantee of a pay raise or second contract, Devon forewent the flashy car and multi-million-dollar home and started saving and investing instead. Shortly after buying his first rental property, Devon realized that he was going to need passive or semi-passive income streams if he wanted to have success on the football field. He landed on four different types of passive investments that have helped him scale his portfolio to twenty-nine doors and over forty syndications!  In this episode, Devon talks about the importance of increasing your income in your working years and why small wins make all the difference early on in your investing journey. You’ll also learn about the dangers of “shady” real estate syndications and how to properly vet an operator, as well as the differences between fast and slow money!]]></description>
	<itunes:subtitle><![CDATA[Real estate investing is one of the best vehicles for building wealth, reaching financial independence, and saving for retirement, but you don’t need to become a full-time investor to reap the benefits. If you have no plans to leave your W2 job or manage]]></itunes:subtitle>
	<content:encoded><![CDATA[Real estate investing is one of the best vehicles for building wealth, reaching financial independence, and saving for retirement, but you don’t need to become a full-time investor to reap the benefits. If you have no plans to leave your W2 job or manage rentals, there are several ways to use real estate for passive income!  Welcome back to the BiggerPockets Money podcast! When Devon Kennard entered the NFL, he ran into more money than he had ever made. But with no guarantee of a pay raise or second contract, Devon forewent the flashy car and multi-million-dollar home and started saving and investing instead. Shortly after buying his first rental property, Devon realized that he was going to need passive or semi-passive income streams if he wanted to have success on the football field. He landed on four different types of passive investments that have helped him scale his portfolio to twenty-nine doors and over forty syndications!  In this episode, Devon talks about the importance of increasing your income in your working years and why small wins make all the difference early on in your investing journey. You’ll also learn about the dangers of “shady” real estate syndications and how to properly vet an operator, as well as the differences between fast and slow money!]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC2937239997.mp3" length="83674676" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[Real estate investing is one of the best vehicles for building wealth, reaching financial independence, and saving for retirement, but you don’t need to become a full-time investor to reap the benefits. If you have no plans to leave your W2 job or manage rentals, there are several ways to use real estate for passive income!  Welcome back to the BiggerPockets Money podcast! When Devon Kennard entered the NFL, he ran into more money than he had ever made. But with no guarantee of a pay raise or second contract, Devon forewent the flashy car and multi-million-dollar home and started saving and investing instead. Shortly after buying his first rental property, Devon realized that he was going to need passive or semi-passive income streams if he wanted to have success on the football field. He landed on four different types of passive investments that have helped him scale his portfolio to twenty-nine doors and over forty syndications!  In this episode, Devon talks about the importance of increasing your income in your working years and why small wins make all the difference early on in your investing journey. You’ll also learn about the dangers of “shady” real estate syndications and how to properly vet an operator, as well as the differences between fast and slow money!]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[Real estate investing is one of the best vehicles for building wealth, reaching financial independence, and saving for retirement, but you don’t need to become a full-time investor to reap the benefits. If you have no plans to leave your W2 job or manage rentals, there are several ways to use real estate for passive income!  Welcome back to the BiggerPockets Money podcast! When Devon Kennard entered the NFL, he ran into more money than he had ever made. But with no guarantee of a pay raise or second contract, Devon forewent the flashy car and multi-million-dollar home and started saving and investing instead. Shortly after buying his first rental property, Devon realized that he was going to need passive or semi-passive income streams if he wanted to have success on the football field. He landed on four different types of passive investments that have helped him scale his portfolio to twenty-nine doors and over forty syndications!  In this episode, Devon talks about the importance of ]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
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<item>
	<title>How Much Do You Need for Early Retirement? (How to Calculate Your FI Number)</title>
	<link>https://biggerpocketsmoney.com/podcast/how-much-do-you-need-for-early-retirement-how-to-calculate-your-fi-number-2/</link>
	<pubDate>Tue, 08 Oct 2024 09:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">fc16d1fc-7062-11ef-b115-bb80e7104972</guid>
	<description><![CDATA[How Much Do You Need for Early Retirement? (How to Calculate Your FI Number) Podcast Description  What’s your financial independence number (FI/FIRE number)? Are you being too conservative, or are you cutting things close? Do you even have one? Today, we’re taking a deep dive into this hotly debated topic to help you build a nest egg that will support your early retirement!     Welcome back to the BiggerPockets Money podcast! How much money do you actually need to retire? For years, the four-percent rule has been the “official” stance of the FI community. But why is it, then, that so many people continue saving and investing when they can comfortably retire? In this episode, Scott and Mindy talk about their own FI numbers, how they calculated them, and how their financial positions have evolved over time. You’ll learn whether the four-percent rule still works today or if you need a larger buffer!     If you’re worried about inflation, one of the best things you can do is keep your living expenses in check. This might seem out of your control, but there are several ways to either lock in certain costs or eliminate them entirely. We’ll discuss the many advantages of a paid-off house, self-managing your rental properties in retirement, and a one-time investment that could help you save thousands of dollars over your lifetime!]]></description>
	<itunes:subtitle><![CDATA[How Much Do You Need for Early Retirement? (How to Calculate Your FI Number) Podcast Description  What’s your financial independence number (FI/FIRE number)? Are you being too conservative, or are you cutting things close? Do you even have one? Today, we]]></itunes:subtitle>
	<content:encoded><![CDATA[How Much Do You Need for Early Retirement? (How to Calculate Your FI Number) Podcast Description  What’s your financial independence number (FI/FIRE number)? Are you being too conservative, or are you cutting things close? Do you even have one? Today, we’re taking a deep dive into this hotly debated topic to help you build a nest egg that will support your early retirement!     Welcome back to the BiggerPockets Money podcast! How much money do you actually need to retire? For years, the four-percent rule has been the “official” stance of the FI community. But why is it, then, that so many people continue saving and investing when they can comfortably retire? In this episode, Scott and Mindy talk about their own FI numbers, how they calculated them, and how their financial positions have evolved over time. You’ll learn whether the four-percent rule still works today or if you need a larger buffer!     If you’re worried about inflation, one of the best things you can do is keep your living expenses in check. This might seem out of your control, but there are several ways to either lock in certain costs or eliminate them entirely. We’ll discuss the many advantages of a paid-off house, self-managing your rental properties in retirement, and a one-time investment that could help you save thousands of dollars over your lifetime!]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC9349767561.mp3" length="59276267" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[How Much Do You Need for Early Retirement? (How to Calculate Your FI Number) Podcast Description  What’s your financial independence number (FI/FIRE number)? Are you being too conservative, or are you cutting things close? Do you even have one? Today, we’re taking a deep dive into this hotly debated topic to help you build a nest egg that will support your early retirement!     Welcome back to the BiggerPockets Money podcast! How much money do you actually need to retire? For years, the four-percent rule has been the “official” stance of the FI community. But why is it, then, that so many people continue saving and investing when they can comfortably retire? In this episode, Scott and Mindy talk about their own FI numbers, how they calculated them, and how their financial positions have evolved over time. You’ll learn whether the four-percent rule still works today or if you need a larger buffer!     If you’re worried about inflation, one of the best things you can do is keep your living expenses in check. This might seem out of your control, but there are several ways to either lock in certain costs or eliminate them entirely. We’ll discuss the many advantages of a paid-off house, self-managing your rental properties in retirement, and a one-time investment that could help you save thousands of dollars over your lifetime!]]></itunes:summary>
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	<itunes:block>no</itunes:block>
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	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[How Much Do You Need for Early Retirement? (How to Calculate Your FI Number) Podcast Description  What’s your financial independence number (FI/FIRE number)? Are you being too conservative, or are you cutting things close? Do you even have one? Today, we’re taking a deep dive into this hotly debated topic to help you build a nest egg that will support your early retirement!     Welcome back to the BiggerPockets Money podcast! How much money do you actually need to retire? For years, the four-percent rule has been the “official” stance of the FI community. But why is it, then, that so many people continue saving and investing when they can comfortably retire? In this episode, Scott and Mindy talk about their own FI numbers, how they calculated them, and how their financial positions have evolved over time. You’ll learn whether the four-percent rule still works today or if you need a larger buffer!     If you’re worried about inflation, one of the best things you can do is keep your liv]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>Why This “Physician on FIRE” Ignored the 4% Rule &#038; Delayed Early Retirement w/Leif Dahleen, MD</title>
	<link>https://biggerpocketsmoney.com/podcast/why-this-physician-on-fire-ignored-the-4-rule-delayed-early-retirement-w-leif-dahleen-md/</link>
	<pubDate>Fri, 04 Oct 2024 09:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">fbde8824-7062-11ef-b115-f32883dc81c4</guid>
	<description><![CDATA[Why do many wealthy people wait so long to retire? Despite earning a physician’s salary, living frugally, and saving what most would call “more than enough” money, today’s guest worked for another four years before pulling the trigger on early retirement. Is he on to something? Does the four-percent rule no longer work in 2024? Stay tuned to find out!  Welcome back to the BiggerPockets Money podcast! Leif Dahleen, MD, the “Physician on FIRE,” was already financially independent when he discovered the FIRE movement. But rather than calling time on a successful healthcare career, he continued to beef up his nest egg. Why? Leif had determined that he needed forty-to-fifty times his annual expenses to feel comfortable walking away from his nine-to-five. Do more FI-focused folks need to follow Leif’s formula to account for the unknown?  We’ve all dreamed of what a day in the life of an early retiree might look like. Leif had his own expectations, but in this episode, he shares what he discovered when his schedule was suddenly clear. You’ll also learn about the mindset high-income earners need to avoid squandering wealth, and why putting down roots in a low-cost-of-living area could be the difference between fast-tracking retirement and keeping up with the Joneses!]]></description>
	<itunes:subtitle><![CDATA[Why do many wealthy people wait so long to retire? Despite earning a physician’s salary, living frugally, and saving what most would call “more than enough” money, today’s guest worked for another four years before pulling the trigger on early retirement]]></itunes:subtitle>
	<content:encoded><![CDATA[Why do many wealthy people wait so long to retire? Despite earning a physician’s salary, living frugally, and saving what most would call “more than enough” money, today’s guest worked for another four years before pulling the trigger on early retirement. Is he on to something? Does the four-percent rule no longer work in 2024? Stay tuned to find out!  Welcome back to the BiggerPockets Money podcast! Leif Dahleen, MD, the “Physician on FIRE,” was already financially independent when he discovered the FIRE movement. But rather than calling time on a successful healthcare career, he continued to beef up his nest egg. Why? Leif had determined that he needed forty-to-fifty times his annual expenses to feel comfortable walking away from his nine-to-five. Do more FI-focused folks need to follow Leif’s formula to account for the unknown?  We’ve all dreamed of what a day in the life of an early retiree might look like. Leif had his own expectations, but in this episode, he shares what he discovered when his schedule was suddenly clear. You’ll also learn about the mindset high-income earners need to avoid squandering wealth, and why putting down roots in a low-cost-of-living area could be the difference between fast-tracking retirement and keeping up with the Joneses!]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC3554841644.mp3" length="58074824" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[Why do many wealthy people wait so long to retire? Despite earning a physician’s salary, living frugally, and saving what most would call “more than enough” money, today’s guest worked for another four years before pulling the trigger on early retirement. Is he on to something? Does the four-percent rule no longer work in 2024? Stay tuned to find out!  Welcome back to the BiggerPockets Money podcast! Leif Dahleen, MD, the “Physician on FIRE,” was already financially independent when he discovered the FIRE movement. But rather than calling time on a successful healthcare career, he continued to beef up his nest egg. Why? Leif had determined that he needed forty-to-fifty times his annual expenses to feel comfortable walking away from his nine-to-five. Do more FI-focused folks need to follow Leif’s formula to account for the unknown?  We’ve all dreamed of what a day in the life of an early retiree might look like. Leif had his own expectations, but in this episode, he shares what he discovered when his schedule was suddenly clear. You’ll also learn about the mindset high-income earners need to avoid squandering wealth, and why putting down roots in a low-cost-of-living area could be the difference between fast-tracking retirement and keeping up with the Joneses!]]></itunes:summary>
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	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[Why do many wealthy people wait so long to retire? Despite earning a physician’s salary, living frugally, and saving what most would call “more than enough” money, today’s guest worked for another four years before pulling the trigger on early retirement. Is he on to something? Does the four-percent rule no longer work in 2024? Stay tuned to find out!  Welcome back to the BiggerPockets Money podcast! Leif Dahleen, MD, the “Physician on FIRE,” was already financially independent when he discovered the FIRE movement. But rather than calling time on a successful healthcare career, he continued to beef up his nest egg. Why? Leif had determined that he needed forty-to-fifty times his annual expenses to feel comfortable walking away from his nine-to-five. Do more FI-focused folks need to follow Leif’s formula to account for the unknown?  We’ve all dreamed of what a day in the life of an early retiree might look like. Leif had his own expectations, but in this episode, he shares what he disc]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
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<item>
	<title>How to Reach FIRE Based on Your Income ($45K &#8211; $100K/Year)</title>
	<link>https://biggerpocketsmoney.com/podcast/how-to-reach-fire-based-on-your-income-45k-100k-year/</link>
	<pubDate>Tue, 01 Oct 2024 09:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">fba38986-7062-11ef-b115-6f4554220a02</guid>
	<description><![CDATA[What does it mean to “win” financially in your income bracket? To us, the end goal is always FIRE (Financial Independence, Retire Early), and if you’re chasing financial freedom, this is the show for you. We’re breaking down the money moves you need to make based on your income bracket, going from $45,000 to $100,000 per year, and how to stretch your dollar the furthest so you can invest, save, and reach FIRE faster.  If you’re at the lower end of the income scale, we’ll give you time-tested methods to boost your income and use your time wisely so you can start stockpiling cash TODAY. If you have a high income, there’s still work to be done as you need to find the best way to keep the most of your income so you can use it to acquire wealth-building assets.  Regardless of how much money you make, you CAN achieve FIRE if you know the proper steps. The good news? We’re sharing those steps today, so stick around! ]]></description>
	<itunes:subtitle><![CDATA[What does it mean to “win” financially in your income bracket? To us, the end goal is always FIRE (Financial Independence, Retire Early), and if you’re chasing financial freedom, this is the show for you. We’re breaking down the money moves you need to m]]></itunes:subtitle>
	<content:encoded><![CDATA[What does it mean to “win” financially in your income bracket? To us, the end goal is always FIRE (Financial Independence, Retire Early), and if you’re chasing financial freedom, this is the show for you. We’re breaking down the money moves you need to make based on your income bracket, going from $45,000 to $100,000 per year, and how to stretch your dollar the furthest so you can invest, save, and reach FIRE faster.  If you’re at the lower end of the income scale, we’ll give you time-tested methods to boost your income and use your time wisely so you can start stockpiling cash TODAY. If you have a high income, there’s still work to be done as you need to find the best way to keep the most of your income so you can use it to acquire wealth-building assets.  Regardless of how much money you make, you CAN achieve FIRE if you know the proper steps. The good news? We’re sharing those steps today, so stick around! ]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC6784682067.mp3" length="59971293" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[What does it mean to “win” financially in your income bracket? To us, the end goal is always FIRE (Financial Independence, Retire Early), and if you’re chasing financial freedom, this is the show for you. We’re breaking down the money moves you need to make based on your income bracket, going from $45,000 to $100,000 per year, and how to stretch your dollar the furthest so you can invest, save, and reach FIRE faster.  If you’re at the lower end of the income scale, we’ll give you time-tested methods to boost your income and use your time wisely so you can start stockpiling cash TODAY. If you have a high income, there’s still work to be done as you need to find the best way to keep the most of your income so you can use it to acquire wealth-building assets.  Regardless of how much money you make, you CAN achieve FIRE if you know the proper steps. The good news? We’re sharing those steps today, so stick around! ]]></itunes:summary>
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	<itunes:block>no</itunes:block>
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	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[What does it mean to “win” financially in your income bracket? To us, the end goal is always FIRE (Financial Independence, Retire Early), and if you’re chasing financial freedom, this is the show for you. We’re breaking down the money moves you need to make based on your income bracket, going from $45,000 to $100,000 per year, and how to stretch your dollar the furthest so you can invest, save, and reach FIRE faster.  If you’re at the lower end of the income scale, we’ll give you time-tested methods to boost your income and use your time wisely so you can start stockpiling cash TODAY. If you have a high income, there’s still work to be done as you need to find the best way to keep the most of your income so you can use it to acquire wealth-building assets.  Regardless of how much money you make, you CAN achieve FIRE if you know the proper steps. The good news? We’re sharing those steps today, so stick around! ]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>The Realistic, Repeatable Path to Investing for FIRE in Your 20s</title>
	<link>https://biggerpocketsmoney.com/podcast/the-realistic-repeatable-path-to-investing-for-fire-in-your-20s/</link>
	<pubDate>Fri, 27 Sep 2024 09:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">fb6c8b98-7062-11ef-b115-e7dd7d094fe6</guid>
	<description><![CDATA[Young, old, or in between, you need to hear this episode! Today’s guest paid off over $80,000 of debt, grew her net worth to $100,000 and did it all just years after graduating from college without a sky-high income. How did she make such quick progress, and what’s her secret to skyrocketing her net worth early in her career? She’s sharing it all in this episode, and you (no matter your age) can follow her repeatable path, too!  Want to see your net worth leap so you can fast-track your road to FIRE? Anna Foley is the person you should listen to. Through common-sense smart spending, diligent investing, and salary-increasing career pivots, Anna and her partner went from $80,000 debt to debt-free and finally hit six-figure net worth status. The best part? They did all of it WITHOUT giving up what makes life enjoyable, and they still sport a phenomenal savings rate!  Anna is sharing how she saves a significant portion of her income every month, why she decided to rent (not buy) a house, how “paying yourself first” can get you debt-free before you know it, and why she does NOT follow the traditional advice of chasing a “FIRE number.” In your twenties? Copy Anna’s plan! Closer to retirement? Follow Anna’s smart saving and investing tactics, and you can get there faster! ]]></description>
	<itunes:subtitle><![CDATA[Young, old, or in between, you need to hear this episode! Today’s guest paid off over $80,000 of debt, grew her net worth to $100,000 and did it all just years after graduating from college without a sky-high income. How did she make such quick progress,]]></itunes:subtitle>
	<content:encoded><![CDATA[Young, old, or in between, you need to hear this episode! Today’s guest paid off over $80,000 of debt, grew her net worth to $100,000 and did it all just years after graduating from college without a sky-high income. How did she make such quick progress, and what’s her secret to skyrocketing her net worth early in her career? She’s sharing it all in this episode, and you (no matter your age) can follow her repeatable path, too!  Want to see your net worth leap so you can fast-track your road to FIRE? Anna Foley is the person you should listen to. Through common-sense smart spending, diligent investing, and salary-increasing career pivots, Anna and her partner went from $80,000 debt to debt-free and finally hit six-figure net worth status. The best part? They did all of it WITHOUT giving up what makes life enjoyable, and they still sport a phenomenal savings rate!  Anna is sharing how she saves a significant portion of her income every month, why she decided to rent (not buy) a house, how “paying yourself first” can get you debt-free before you know it, and why she does NOT follow the traditional advice of chasing a “FIRE number.” In your twenties? Copy Anna’s plan! Closer to retirement? Follow Anna’s smart saving and investing tactics, and you can get there faster! ]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC7389947834.mp3" length="53651861" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[Young, old, or in between, you need to hear this episode! Today’s guest paid off over $80,000 of debt, grew her net worth to $100,000 and did it all just years after graduating from college without a sky-high income. How did she make such quick progress, and what’s her secret to skyrocketing her net worth early in her career? She’s sharing it all in this episode, and you (no matter your age) can follow her repeatable path, too!  Want to see your net worth leap so you can fast-track your road to FIRE? Anna Foley is the person you should listen to. Through common-sense smart spending, diligent investing, and salary-increasing career pivots, Anna and her partner went from $80,000 debt to debt-free and finally hit six-figure net worth status. The best part? They did all of it WITHOUT giving up what makes life enjoyable, and they still sport a phenomenal savings rate!  Anna is sharing how she saves a significant portion of her income every month, why she decided to rent (not buy) a house, how “paying yourself first” can get you debt-free before you know it, and why she does NOT follow the traditional advice of chasing a “FIRE number.” In your twenties? Copy Anna’s plan! Closer to retirement? Follow Anna’s smart saving and investing tactics, and you can get there faster! ]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[Young, old, or in between, you need to hear this episode! Today’s guest paid off over $80,000 of debt, grew her net worth to $100,000 and did it all just years after graduating from college without a sky-high income. How did she make such quick progress, and what’s her secret to skyrocketing her net worth early in her career? She’s sharing it all in this episode, and you (no matter your age) can follow her repeatable path, too!  Want to see your net worth leap so you can fast-track your road to FIRE? Anna Foley is the person you should listen to. Through common-sense smart spending, diligent investing, and salary-increasing career pivots, Anna and her partner went from $80,000 debt to debt-free and finally hit six-figure net worth status. The best part? They did all of it WITHOUT giving up what makes life enjoyable, and they still sport a phenomenal savings rate!  Anna is sharing how she saves a significant portion of her income every month, why she decided to rent (not buy) a house, ]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>FI With 5 Kids and Debt-Free in Just Over a Decade!</title>
	<link>https://biggerpocketsmoney.com/podcast/fi-with-5-kids-and-debt-free-in-just-over-a-decade/</link>
	<pubDate>Tue, 24 Sep 2024 09:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">fb378664-7062-11ef-b115-cb809eb3c537</guid>
	<description><![CDATA[Does FIRE seem impossible while raising a family? We’re about to prove that you CAN have it all. Emily and Joel are financially independent while raising five kids and still have the money to travel the world, take plenty of vacations, and sleep in without worrying about a job. They reached FI in just over a decade and did it without EVER having a high income. How’d they do it? One “financial superpower” allowed them to do what most people won’t.  Emily and Joel started with $150,000 in student loan debt. Their accounts dwindled at the end of every month, so they began to pay off their loans with the “debt snowball” method. Fast forward a few years, and they were debt-free, but now they had a new challenge: building their net worth!  Today, they’re sharing the incredible journey they took to go from personal finance zeros to heroes, the “why” behind achieving FI at such young ages, and how they did it all (including keeping expenses SUPER low) while raising not one, not two, but FIVE children. Think FI isn’t possible for you? Think again—copy Emily and Joel’s plan!]]></description>
	<itunes:subtitle><![CDATA[Does FIRE seem impossible while raising a family? We’re about to prove that you CAN have it all. Emily and Joel are financially independent while raising five kids and still have the money to travel the world, take plenty of vacations, and sleep in witho]]></itunes:subtitle>
	<content:encoded><![CDATA[Does FIRE seem impossible while raising a family? We’re about to prove that you CAN have it all. Emily and Joel are financially independent while raising five kids and still have the money to travel the world, take plenty of vacations, and sleep in without worrying about a job. They reached FI in just over a decade and did it without EVER having a high income. How’d they do it? One “financial superpower” allowed them to do what most people won’t.  Emily and Joel started with $150,000 in student loan debt. Their accounts dwindled at the end of every month, so they began to pay off their loans with the “debt snowball” method. Fast forward a few years, and they were debt-free, but now they had a new challenge: building their net worth!  Today, they’re sharing the incredible journey they took to go from personal finance zeros to heroes, the “why” behind achieving FI at such young ages, and how they did it all (including keeping expenses SUPER low) while raising not one, not two, but FIVE children. Think FI isn’t possible for you? Think again—copy Emily and Joel’s plan!]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC5541394885.mp3" length="64865342" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[Does FIRE seem impossible while raising a family? We’re about to prove that you CAN have it all. Emily and Joel are financially independent while raising five kids and still have the money to travel the world, take plenty of vacations, and sleep in without worrying about a job. They reached FI in just over a decade and did it without EVER having a high income. How’d they do it? One “financial superpower” allowed them to do what most people won’t.  Emily and Joel started with $150,000 in student loan debt. Their accounts dwindled at the end of every month, so they began to pay off their loans with the “debt snowball” method. Fast forward a few years, and they were debt-free, but now they had a new challenge: building their net worth!  Today, they’re sharing the incredible journey they took to go from personal finance zeros to heroes, the “why” behind achieving FI at such young ages, and how they did it all (including keeping expenses SUPER low) while raising not one, not two, but FIVE children. Think FI isn’t possible for you? Think again—copy Emily and Joel’s plan!]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[Does FIRE seem impossible while raising a family? We’re about to prove that you CAN have it all. Emily and Joel are financially independent while raising five kids and still have the money to travel the world, take plenty of vacations, and sleep in without worrying about a job. They reached FI in just over a decade and did it without EVER having a high income. How’d they do it? One “financial superpower” allowed them to do what most people won’t.  Emily and Joel started with $150,000 in student loan debt. Their accounts dwindled at the end of every month, so they began to pay off their loans with the “debt snowball” method. Fast forward a few years, and they were debt-free, but now they had a new challenge: building their net worth!  Today, they’re sharing the incredible journey they took to go from personal finance zeros to heroes, the “why” behind achieving FI at such young ages, and how they did it all (including keeping expenses SUPER low) while raising not one, not two, but FIVE ]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>Is Refinancing Worth It with Today’s Falling Rates? (+ How Much It’ll Cost)</title>
	<link>https://biggerpocketsmoney.com/podcast/is-refinancing-worth-it-with-todays-falling-rates-how-much-itll-cost/</link>
	<pubDate>Fri, 20 Sep 2024 09:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">fb025552-7062-11ef-b115-0b2a8bfee03f</guid>
	<description><![CDATA[When should you refinance your mortgage? Is now the time since interest rates have finally fallen? Or will refinancing down to today’s rates not be worth it when, six months from now, interest rates could be substantially lower? We brought on an expert mortgage loan officer to walk through the cost-benefit analysis of refinancing in 2024 and when a refinance is NOT worth the money.  Greg Roller has closed over a billion dollars in loans, but surprisingly, he’s very cautious with homeowners about WHEN to refinance. Mortgage rates have already dropped significantly but could be trending down even more in 2024 and 2025. Is now the time to refinance? Greg discusses how much a refinance costs in 2024, how to know it’s worth it to refinance, what you’ll need to qualify, the differences between cash-out refinances and rate-and-term refinances, and why falling for a “low rate” could cost you in the long run.  Plus, Greg shares some tips to help your refinance go as smoothly and quickly as possible, as well as how you can refinance for FREE with a rate option most people have zero clue about.]]></description>
	<itunes:subtitle><![CDATA[When should you refinance your mortgage? Is now the time since interest rates have finally fallen? Or will refinancing down to today’s rates not be worth it when, six months from now, interest rates could be substantially lower? We brought on an expert m]]></itunes:subtitle>
	<content:encoded><![CDATA[When should you refinance your mortgage? Is now the time since interest rates have finally fallen? Or will refinancing down to today’s rates not be worth it when, six months from now, interest rates could be substantially lower? We brought on an expert mortgage loan officer to walk through the cost-benefit analysis of refinancing in 2024 and when a refinance is NOT worth the money.  Greg Roller has closed over a billion dollars in loans, but surprisingly, he’s very cautious with homeowners about WHEN to refinance. Mortgage rates have already dropped significantly but could be trending down even more in 2024 and 2025. Is now the time to refinance? Greg discusses how much a refinance costs in 2024, how to know it’s worth it to refinance, what you’ll need to qualify, the differences between cash-out refinances and rate-and-term refinances, and why falling for a “low rate” could cost you in the long run.  Plus, Greg shares some tips to help your refinance go as smoothly and quickly as possible, as well as how you can refinance for FREE with a rate option most people have zero clue about.]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC3277446856.mp3" length="57209656" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[When should you refinance your mortgage? Is now the time since interest rates have finally fallen? Or will refinancing down to today’s rates not be worth it when, six months from now, interest rates could be substantially lower? We brought on an expert mortgage loan officer to walk through the cost-benefit analysis of refinancing in 2024 and when a refinance is NOT worth the money.  Greg Roller has closed over a billion dollars in loans, but surprisingly, he’s very cautious with homeowners about WHEN to refinance. Mortgage rates have already dropped significantly but could be trending down even more in 2024 and 2025. Is now the time to refinance? Greg discusses how much a refinance costs in 2024, how to know it’s worth it to refinance, what you’ll need to qualify, the differences between cash-out refinances and rate-and-term refinances, and why falling for a “low rate” could cost you in the long run.  Plus, Greg shares some tips to help your refinance go as smoothly and quickly as possible, as well as how you can refinance for FREE with a rate option most people have zero clue about.]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[When should you refinance your mortgage? Is now the time since interest rates have finally fallen? Or will refinancing down to today’s rates not be worth it when, six months from now, interest rates could be substantially lower? We brought on an expert mortgage loan officer to walk through the cost-benefit analysis of refinancing in 2024 and when a refinance is NOT worth the money.  Greg Roller has closed over a billion dollars in loans, but surprisingly, he’s very cautious with homeowners about WHEN to refinance. Mortgage rates have already dropped significantly but could be trending down even more in 2024 and 2025. Is now the time to refinance? Greg discusses how much a refinance costs in 2024, how to know it’s worth it to refinance, what you’ll need to qualify, the differences between cash-out refinances and rate-and-term refinances, and why falling for a “low rate” could cost you in the long run.  Plus, Greg shares some tips to help your refinance go as smoothly and quickly as pos]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>564: How to Make Truly Passive Income with “Syndication” Real Estate</title>
	<link>https://biggerpocketsmoney.com/podcast/564-how-to-make-truly-passive-income-with-syndication-real-estate/</link>
	<pubDate>Tue, 17 Sep 2024 06:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">facda050-7062-11ef-b115-0f4f57f92742</guid>
	<description><![CDATA[Visit PassivePockets, your resource for passive investing with syndications.   Passive investing is most people’s goal, especially if they’re trying to achieve FIRE. They don’t want to be weighed down by managing a dozen rental properties, an active business, or a complicated stock portfolio that requires constant check-ins. Instead, many of us want that “mailbox money,” with checks coming in without us having to do the work ourselves so we can focus on doing what we love. Sounds enticing, right? Then “syndication” real estate investing might be perfect for you.   We’re thrilled to have the newest member of the BiggerPockets podcast network, Jim Pfeifer, host of PassivePockets, on today to talk about this one investment type that changed his life. Jim has invested in over 100 syndications and has been able to reap the significant rewards of passive income, massive tax benefits, and diversification through real estate syndications.  Today, he gives a beginner-friendly breakdown, touching on what a syndication is, why it’s an excellent investment for FIRE, how to vet a syndication BEFORE you invest, questions to ask a syndicator, and the unbeatable tax benefits you can get from sitting back and collecting passive income checks! Ready to make real estate returns without all the work? This one’s for you!  In This Episode We Cover Welcoming PassivePockets, the newest BiggerPockets podcast network show! Real estate syndications explained and why they’re such an unbeatable investment How to vet a syndication operator and the questions you MUST ask before you invest The two barriers to entry for syndications and why you DON’T need to be an accredited investor to get in the game Tax benefits galore and how Jim is paying $0 in taxes on his syndication profits How much a syndication can make YOU (and why it might beat owning rental properties!) And So Much More!  Links from the Show BiggerPockets Money Facebook Group Network with Other Investors on The Path to FIRE Through the BiggerPockets Forums Finance Review Guest Onboarding Join BiggerPockets for FREE Mindy on BiggerPockets Scott on BiggerPockets Listen to All Your Favorite BiggerPockets Podcasts in One Place Apply to Be a Guest on The Money Show Podcast Talent Search! Find an Investor-Friendly Agent in Your Area Find Investor-Friendly Lenders BiggerPockets Money Group BiggerPockets Forums BiggerPockets Money 456 - The Harsh Reality Real Estate Syndicators (and Investors) Face in 2024 w/J Scott Grab the Book on Syndication Real Estate Investing, “The Hands-Off Investor” Property Manager Finder See Mindy at BPCON2024 in Cancun! Syndications: Everything You Need to Know BEFORE You Invest w/ J Scott  01:01 Syndications Explained  03:30 Better for FIRE?  07:19 How to Vet a Syndicator  13:45 Questions You MUST Ask 21:28 Interest Rate Risks  24:16 Can Anyone Invest Passively? 28:27 Passive Retirement Investing 31:00 Advice for Investors   Check out more resources from this show on BiggerPockets.com and https://www.biggerpockets.com/blog/money-564  Interested in learning more about today’s sponsors or becoming a BiggerPockets partner yourself? Email advertise@biggerpockets.com]]></description>
	<itunes:subtitle><![CDATA[Visit PassivePockets, your resource for passive investing with syndications.   Passive investing is most people’s goal, especially if they’re trying to achieve FIRE. They don’t want to be weighed down by managing a dozen rental properties, an active busi]]></itunes:subtitle>
	<content:encoded><![CDATA[Visit PassivePockets, your resource for passive investing with syndications.   Passive investing is most people’s goal, especially if they’re trying to achieve FIRE. They don’t want to be weighed down by managing a dozen rental properties, an active business, or a complicated stock portfolio that requires constant check-ins. Instead, many of us want that “mailbox money,” with checks coming in without us having to do the work ourselves so we can focus on doing what we love. Sounds enticing, right? Then “syndication” real estate investing might be perfect for you.   We’re thrilled to have the newest member of the BiggerPockets podcast network, Jim Pfeifer, host of PassivePockets, on today to talk about this one investment type that changed his life. Jim has invested in over 100 syndications and has been able to reap the significant rewards of passive income, massive tax benefits, and diversification through real estate syndications.  Today, he gives a beginner-friendly breakdown, touching on what a syndication is, why it’s an excellent investment for FIRE, how to vet a syndication BEFORE you invest, questions to ask a syndicator, and the unbeatable tax benefits you can get from sitting back and collecting passive income checks! Ready to make real estate returns without all the work? This one’s for you!  In This Episode We Cover Welcoming PassivePockets, the newest BiggerPockets podcast network show! Real estate syndications explained and why they’re such an unbeatable investment How to vet a syndication operator and the questions you MUST ask before you invest The two barriers to entry for syndications and why you DON’T need to be an accredited investor to get in the game Tax benefits galore and how Jim is paying $0 in taxes on his syndication profits How much a syndication can make YOU (and why it might beat owning rental properties!) And So Much More!  Links from the Show BiggerPockets Money Facebook Group Network with Other Investors on The Path to FIRE Through the BiggerPockets Forums Finance Review Guest Onboarding Join BiggerPockets for FREE Mindy on BiggerPockets Scott on BiggerPockets Listen to All Your Favorite BiggerPockets Podcasts in One Place Apply to Be a Guest on The Money Show Podcast Talent Search! Find an Investor-Friendly Agent in Your Area Find Investor-Friendly Lenders BiggerPockets Money Group BiggerPockets Forums BiggerPockets Money 456 - The Harsh Reality Real Estate Syndicators (and Investors) Face in 2024 w/J Scott Grab the Book on Syndication Real Estate Investing, “The Hands-Off Investor” Property Manager Finder See Mindy at BPCON2024 in Cancun! Syndications: Everything You Need to Know BEFORE You Invest w/ J Scott  01:01 Syndications Explained  03:30 Better for FIRE?  07:19 How to Vet a Syndicator  13:45 Questions You MUST Ask 21:28 Interest Rate Risks  24:16 Can Anyone Invest Passively? 28:27 Passive Retirement Investing 31:00 Advice for Investors   Check out more resources from this show on BiggerPockets.com and https://www.biggerpockets.com/blog/money-564  Interested in learning more about today’s sponsors or becoming a BiggerPockets partner yourself? Email advertise@biggerpockets.com]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC2550438696.mp3" length="59306553" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[Visit PassivePockets, your resource for passive investing with syndications.   Passive investing is most people’s goal, especially if they’re trying to achieve FIRE. They don’t want to be weighed down by managing a dozen rental properties, an active business, or a complicated stock portfolio that requires constant check-ins. Instead, many of us want that “mailbox money,” with checks coming in without us having to do the work ourselves so we can focus on doing what we love. Sounds enticing, right? Then “syndication” real estate investing might be perfect for you.   We’re thrilled to have the newest member of the BiggerPockets podcast network, Jim Pfeifer, host of PassivePockets, on today to talk about this one investment type that changed his life. Jim has invested in over 100 syndications and has been able to reap the significant rewards of passive income, massive tax benefits, and diversification through real estate syndications.  Today, he gives a beginner-friendly breakdown, touching on what a syndication is, why it’s an excellent investment for FIRE, how to vet a syndication BEFORE you invest, questions to ask a syndicator, and the unbeatable tax benefits you can get from sitting back and collecting passive income checks! Ready to make real estate returns without all the work? This one’s for you!  In This Episode We Cover Welcoming PassivePockets, the newest BiggerPockets podcast network show! Real estate syndications explained and why they’re such an unbeatable investment How to vet a syndication operator and the questions you MUST ask before you invest The two barriers to entry for syndications and why you DON’T need to be an accredited investor to get in the game Tax benefits galore and how Jim is paying $0 in taxes on his syndication profits How much a syndication can make YOU (and why it might beat owning rental properties!) And So Much More!  Links from the Show BiggerPockets Money Facebook Group Network with Other Investors on The Path to FIRE Through the BiggerPockets Forums Finance Review Guest Onboarding Join BiggerPockets for FREE Mindy on BiggerPockets Scott on BiggerPockets Listen to All Your Favorite BiggerPockets Podcasts in One Place Apply to Be a Guest on The Money Show Podcast Talent Search! Find an Investor-Friendly Agent in Your Area Find Investor-Friendly Lenders BiggerPockets Money Group BiggerPockets Forums BiggerPockets Money 456 - The Harsh Reality Real Estate Syndicators (and Investors) Face in 2024 w/J Scott Grab the Book on Syndication Real Estate Investing, “The Hands-Off Investor” Property Manager Finder See Mindy at BPCON2024 in Cancun! Syndications: Everything You Need to Know BEFORE You Invest w/ J Scott  01:01 Syndications Explained  03:30 Better for FIRE?  07:19 How to Vet a Syndicator  13:45 Questions You MUST Ask 21:28 Interest Rate Risks  24:16 Can Anyone Invest Passively? 28:27 Passive Retirement Investing 31:00 Advice for Investors   Check out more resources from this show on BiggerPockets.com and https://www.biggerpockets.com/blog/money-564  Interested in learning more about today’s sponsors or becoming a BiggerPockets partner yourself? Email advertise@biggerpockets.com]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[Visit PassivePockets, your resource for passive investing with syndications.   Passive investing is most people’s goal, especially if they’re trying to achieve FIRE. They don’t want to be weighed down by managing a dozen rental properties, an active business, or a complicated stock portfolio that requires constant check-ins. Instead, many of us want that “mailbox money,” with checks coming in without us having to do the work ourselves so we can focus on doing what we love. Sounds enticing, right? Then “syndication” real estate investing might be perfect for you.   We’re thrilled to have the newest member of the BiggerPockets podcast network, Jim Pfeifer, host of PassivePockets, on today to talk about this one investment type that changed his life. Jim has invested in over 100 syndications and has been able to reap the significant rewards of passive income, massive tax benefits, and diversification through real estate syndications.  Today, he gives a beginner-friendly breakdown, touchi]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>563: Why Aren’t More “Normal” People Achieving FIRE?</title>
	<link>https://biggerpocketsmoney.com/podcast/563-why-arent-more-normal-people-achieving-fire/</link>
	<pubDate>Fri, 13 Sep 2024 06:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">fa6269ac-7062-11ef-b115-9ff73fbdb07e</guid>
	<description><![CDATA[Has BiggerPockets Money become too focused on FIRE (financial independence, retire early)? For the past seven years, we’ve been bringing you shows highlighting the journeys of those who left their jobs to enjoy early retirement.Some of these guests did it faster than others by making more money, increasing their frugality, investing smart, or building a business. But the question many of our listeners are wondering is: Is this even possible for the average, “normal” person?  Today, we’re taking a hard look at the show’s future and asking ourselves whether or not focusing on FIRE is still the right path forward. Should we shift topics to help the everyday American get a financial leg up, or is continuing the FIRE-focused path the best way to help YOU, our listener? This isn’t a rhetorical question; we genuinely want to know!  After this episode, join the BiggerPockets Money Facebook group thread, and let us know which stories YOU want to hear the most!   In This Episode We Cover Why the BiggerPockets Money Podcast rarely brings on “normal” guests achieving FIRE Can anyone achieve FIRE, and if so, how do they get there? The four financial levers you can pull to put you on the path to financial freedom  The advanced financial tactics BiggerPockets Money teaches you to grow your wealth What to do if you feel like you can’t make any progress towards early retirement And So Much More!  Links from the Show BiggerPockets Money Facebook Group Network with Other Investors on The Path to FIRE Through the BiggerPockets Forums Finance Review Guest Onboarding Join BiggerPockets for FREE Mindy on BiggerPockets Scott on BiggerPockets Listen to All Your Favorite BiggerPockets Podcasts in One Place Apply to Be a Guest on The Money Show Podcast Talent Search! Find an Investor-Friendly Agent in Your Area Find Investor-Friendly Lenders BiggerPockets Money Group BiggerPockets Money Facebook Group BiggerPockets Money 63 - Financial Freedom With 5 Kids IS Possible with Jordan Klint BiggerPockets Money 130 - Refusing to Retire at 65: How a Couple in Their 40s Managed to Hit FI in 12 Years w/Susan and Norm Episode 560 - Dude ACTUALLY Withdraws From His 401(k) and Retires at 47 w/Eric Cooper Get on the Path to Financial Independence with “Set for Life” See Mindy and Scott at BPCON2024 in Cancun! What Is the FIRE Movement?  00:00 Intro 02:16 Talking Too Much About FIRE? 08:59 FIRE Isn't For Everyone  11:53 What is FIRE? 16:27 Can You Hit FIRE Being "Normal"? 22:42 Who Should Listen to BP Money?  Check out more resources from this show on BiggerPockets.com and https://www.biggerpockets.com/blog/money-563  Interested in learning more about today’s sponsors or becoming a BiggerPockets partner yourself? Email advertise@biggerpockets.com]]></description>
	<itunes:subtitle><![CDATA[Has BiggerPockets Money become too focused on FIRE (financial independence, retire early)? For the past seven years, we’ve been bringing you shows highlighting the journeys of those who left their jobs to enjoy early retirement.Some of these guests did i]]></itunes:subtitle>
	<content:encoded><![CDATA[Has BiggerPockets Money become too focused on FIRE (financial independence, retire early)? For the past seven years, we’ve been bringing you shows highlighting the journeys of those who left their jobs to enjoy early retirement.Some of these guests did it faster than others by making more money, increasing their frugality, investing smart, or building a business. But the question many of our listeners are wondering is: Is this even possible for the average, “normal” person?  Today, we’re taking a hard look at the show’s future and asking ourselves whether or not focusing on FIRE is still the right path forward. Should we shift topics to help the everyday American get a financial leg up, or is continuing the FIRE-focused path the best way to help YOU, our listener? This isn’t a rhetorical question; we genuinely want to know!  After this episode, join the BiggerPockets Money Facebook group thread, and let us know which stories YOU want to hear the most!   In This Episode We Cover Why the BiggerPockets Money Podcast rarely brings on “normal” guests achieving FIRE Can anyone achieve FIRE, and if so, how do they get there? The four financial levers you can pull to put you on the path to financial freedom  The advanced financial tactics BiggerPockets Money teaches you to grow your wealth What to do if you feel like you can’t make any progress towards early retirement And So Much More!  Links from the Show BiggerPockets Money Facebook Group Network with Other Investors on The Path to FIRE Through the BiggerPockets Forums Finance Review Guest Onboarding Join BiggerPockets for FREE Mindy on BiggerPockets Scott on BiggerPockets Listen to All Your Favorite BiggerPockets Podcasts in One Place Apply to Be a Guest on The Money Show Podcast Talent Search! Find an Investor-Friendly Agent in Your Area Find Investor-Friendly Lenders BiggerPockets Money Group BiggerPockets Money Facebook Group BiggerPockets Money 63 - Financial Freedom With 5 Kids IS Possible with Jordan Klint BiggerPockets Money 130 - Refusing to Retire at 65: How a Couple in Their 40s Managed to Hit FI in 12 Years w/Susan and Norm Episode 560 - Dude ACTUALLY Withdraws From His 401(k) and Retires at 47 w/Eric Cooper Get on the Path to Financial Independence with “Set for Life” See Mindy and Scott at BPCON2024 in Cancun! What Is the FIRE Movement?  00:00 Intro 02:16 Talking Too Much About FIRE? 08:59 FIRE Isn't For Everyone  11:53 What is FIRE? 16:27 Can You Hit FIRE Being "Normal"? 22:42 Who Should Listen to BP Money?  Check out more resources from this show on BiggerPockets.com and https://www.biggerpockets.com/blog/money-563  Interested in learning more about today’s sponsors or becoming a BiggerPockets partner yourself? Email advertise@biggerpockets.com]]></content:encoded>
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	<itunes:summary><![CDATA[Has BiggerPockets Money become too focused on FIRE (financial independence, retire early)? For the past seven years, we’ve been bringing you shows highlighting the journeys of those who left their jobs to enjoy early retirement.Some of these guests did it faster than others by making more money, increasing their frugality, investing smart, or building a business. But the question many of our listeners are wondering is: Is this even possible for the average, “normal” person?  Today, we’re taking a hard look at the show’s future and asking ourselves whether or not focusing on FIRE is still the right path forward. Should we shift topics to help the everyday American get a financial leg up, or is continuing the FIRE-focused path the best way to help YOU, our listener? This isn’t a rhetorical question; we genuinely want to know!  After this episode, join the BiggerPockets Money Facebook group thread, and let us know which stories YOU want to hear the most!   In This Episode We Cover Why the BiggerPockets Money Podcast rarely brings on “normal” guests achieving FIRE Can anyone achieve FIRE, and if so, how do they get there? The four financial levers you can pull to put you on the path to financial freedom  The advanced financial tactics BiggerPockets Money teaches you to grow your wealth What to do if you feel like you can’t make any progress towards early retirement And So Much More!  Links from the Show BiggerPockets Money Facebook Group Network with Other Investors on The Path to FIRE Through the BiggerPockets Forums Finance Review Guest Onboarding Join BiggerPockets for FREE Mindy on BiggerPockets Scott on BiggerPockets Listen to All Your Favorite BiggerPockets Podcasts in One Place Apply to Be a Guest on The Money Show Podcast Talent Search! Find an Investor-Friendly Agent in Your Area Find Investor-Friendly Lenders BiggerPockets Money Group BiggerPockets Money Facebook Group BiggerPockets Money 63 - Financial Freedom With 5 Kids IS Possible with Jordan Klint BiggerPockets Money 130 - Refusing to Retire at 65: How a Couple in Their 40s Managed to Hit FI in 12 Years w/Susan and Norm Episode 560 - Dude ACTUALLY Withdraws From His 401(k) and Retires at 47 w/Eric Cooper Get on the Path to Financial Independence with “Set for Life” See Mindy and Scott at BPCON2024 in Cancun! What Is the FIRE Movement?  00:00 Intro 02:16 Talking Too Much About FIRE? 08:59 FIRE Isn't For Everyone  11:53 What is FIRE? 16:27 Can You Hit FIRE Being "Normal"? 22:42 Who Should Listen to BP Money?  Check out more resources from this show on BiggerPockets.com and https://www.biggerpockets.com/blog/money-563  Interested in learning more about today’s sponsors or becoming a BiggerPockets partner yourself? Email advertise@biggerpockets.com]]></itunes:summary>
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	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[Has BiggerPockets Money become too focused on FIRE (financial independence, retire early)? For the past seven years, we’ve been bringing you shows highlighting the journeys of those who left their jobs to enjoy early retirement.Some of these guests did it faster than others by making more money, increasing their frugality, investing smart, or building a business. But the question many of our listeners are wondering is: Is this even possible for the average, “normal” person?  Today, we’re taking a hard look at the show’s future and asking ourselves whether or not focusing on FIRE is still the right path forward. Should we shift topics to help the everyday American get a financial leg up, or is continuing the FIRE-focused path the best way to help YOU, our listener? This isn’t a rhetorical question; we genuinely want to know!  After this episode, join the BiggerPockets Money Facebook group thread, and let us know which stories YOU want to hear the most!   In This Episode We Cover Why th]]></googleplay:description>
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<item>
	<title>562: Police Officer Surpasses $10K/Month FI Goal w/Out-of-State Sober Living Investments</title>
	<link>https://biggerpocketsmoney.com/podcast/562-police-officer-surpasses-10k-month-fi-goal-w-out-of-state-sober-living-investments/</link>
	<pubDate>Tue, 10 Sep 2024 06:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
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	<description><![CDATA[Achieving your FI number in just four years? If you want to do it too, you must try something different. This couple found a niche within a niche, allowing them to hit the coveted “1% rule” in real estate, skyrocketing their cash flow and passive income and allowing them to make more than almost any other landlord in their area. So, how did they do it, and what was the investment that got them there?  David and Morgan Stanhope weren’t real estate investors five years ago. They didn’t come from investor families and had zero real estate investing experience. One day, at his job as a New York State Police Investigator, David met a mentor who would change how he thought about money, financial freedom, and passive income. This was perfect because David and Morgan were already in a great place to invest—Upstate New York. But David chose NOT to invest in his home market, and for good reason.  They went south to a state known for higher home prices and crushingly high insurance costs. There, they found acreative rental property investing strategy, allowing them to make much more cash flow than regular rentals. Four years later, they’ve surpassed their $10,000/month FI goal. Now, they’re on track to hit an even bigger achievement: $70,000 per MONTH. Today, we’re talking to them about exactly how they’re getting there with investment properties you’ve probably never heard (or thought) about.  In This Episode We Cover How to hit real estate’s “1% rule” with creative, high-cash flow rentals Borrowing from your 401(k) to fund your first real estate deal Making real estate cash flow EVEN with eight percent mortgage rates (yes, it’s possible) Why David WON’T quit his job, even though he has already hit his FI number Finding contractors and vendors when out-of-state real estate investing  Using other people’s money to invest in real estate (and why you may want experience before you do) And So Much More!  Links from the Show BiggerPockets Money Facebook Group Network with Other Investors on The Path to FIRE Through the BiggerPockets Forums Finance Review Guest Onboarding Join BiggerPockets for FREE Mindy on BiggerPockets Scott on BiggerPockets Listen to All Your Favorite BiggerPockets Podcasts in One Place Apply to Be a Guest on The Money Show Podcast Talent Search! Find an Investor-Friendly Agent in Your Area Find Investor-Friendly Lenders BiggerPockets Money Group Stanhope Capital Start Investing with “The Book on Rental Property Investing” See Mindy and Scott at BPCON2024 in Cancun! Socially Conscious Investing: How to Start a Sober Living Home  00:00 Intro 01:17  Early Financial Education  05:13 Finding a Money Mentor  09:06 Hitting the 1% Rule in...Florida? 17:31 Current Cash Flow Numbers 20:41 $70K/Month Goal!? 24:09 Is Sober Living Investing Stable? 29:11 Borrowing Money to Invest 32:04 How Much Time Does It Take? 34:46 Connect with David and Morgan!  Check out more resources from this show on BiggerPockets.com and https://www.biggerpockets.com/blog/money-562  Interested in learning more about today’s sponsors or becoming a BiggerPockets partner yourself? Email advertise@biggerpockets.com]]></description>
	<itunes:subtitle><![CDATA[Achieving your FI number in just four years? If you want to do it too, you must try something different. This couple found a niche within a niche, allowing them to hit the coveted “1% rule” in real estate, skyrocketing their cash flow and passive income ]]></itunes:subtitle>
	<content:encoded><![CDATA[Achieving your FI number in just four years? If you want to do it too, you must try something different. This couple found a niche within a niche, allowing them to hit the coveted “1% rule” in real estate, skyrocketing their cash flow and passive income and allowing them to make more than almost any other landlord in their area. So, how did they do it, and what was the investment that got them there?  David and Morgan Stanhope weren’t real estate investors five years ago. They didn’t come from investor families and had zero real estate investing experience. One day, at his job as a New York State Police Investigator, David met a mentor who would change how he thought about money, financial freedom, and passive income. This was perfect because David and Morgan were already in a great place to invest—Upstate New York. But David chose NOT to invest in his home market, and for good reason.  They went south to a state known for higher home prices and crushingly high insurance costs. There, they found acreative rental property investing strategy, allowing them to make much more cash flow than regular rentals. Four years later, they’ve surpassed their $10,000/month FI goal. Now, they’re on track to hit an even bigger achievement: $70,000 per MONTH. Today, we’re talking to them about exactly how they’re getting there with investment properties you’ve probably never heard (or thought) about.  In This Episode We Cover How to hit real estate’s “1% rule” with creative, high-cash flow rentals Borrowing from your 401(k) to fund your first real estate deal Making real estate cash flow EVEN with eight percent mortgage rates (yes, it’s possible) Why David WON’T quit his job, even though he has already hit his FI number Finding contractors and vendors when out-of-state real estate investing  Using other people’s money to invest in real estate (and why you may want experience before you do) And So Much More!  Links from the Show BiggerPockets Money Facebook Group Network with Other Investors on The Path to FIRE Through the BiggerPockets Forums Finance Review Guest Onboarding Join BiggerPockets for FREE Mindy on BiggerPockets Scott on BiggerPockets Listen to All Your Favorite BiggerPockets Podcasts in One Place Apply to Be a Guest on The Money Show Podcast Talent Search! Find an Investor-Friendly Agent in Your Area Find Investor-Friendly Lenders BiggerPockets Money Group Stanhope Capital Start Investing with “The Book on Rental Property Investing” See Mindy and Scott at BPCON2024 in Cancun! Socially Conscious Investing: How to Start a Sober Living Home  00:00 Intro 01:17  Early Financial Education  05:13 Finding a Money Mentor  09:06 Hitting the 1% Rule in...Florida? 17:31 Current Cash Flow Numbers 20:41 $70K/Month Goal!? 24:09 Is Sober Living Investing Stable? 29:11 Borrowing Money to Invest 32:04 How Much Time Does It Take? 34:46 Connect with David and Morgan!  Check out more resources from this show on BiggerPockets.com and https://www.biggerpockets.com/blog/money-562  Interested in learning more about today’s sponsors or becoming a BiggerPockets partner yourself? Email advertise@biggerpockets.com]]></content:encoded>
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	<itunes:summary><![CDATA[Achieving your FI number in just four years? If you want to do it too, you must try something different. This couple found a niche within a niche, allowing them to hit the coveted “1% rule” in real estate, skyrocketing their cash flow and passive income and allowing them to make more than almost any other landlord in their area. So, how did they do it, and what was the investment that got them there?  David and Morgan Stanhope weren’t real estate investors five years ago. They didn’t come from investor families and had zero real estate investing experience. One day, at his job as a New York State Police Investigator, David met a mentor who would change how he thought about money, financial freedom, and passive income. This was perfect because David and Morgan were already in a great place to invest—Upstate New York. But David chose NOT to invest in his home market, and for good reason.  They went south to a state known for higher home prices and crushingly high insurance costs. There, they found acreative rental property investing strategy, allowing them to make much more cash flow than regular rentals. Four years later, they’ve surpassed their $10,000/month FI goal. Now, they’re on track to hit an even bigger achievement: $70,000 per MONTH. Today, we’re talking to them about exactly how they’re getting there with investment properties you’ve probably never heard (or thought) about.  In This Episode We Cover How to hit real estate’s “1% rule” with creative, high-cash flow rentals Borrowing from your 401(k) to fund your first real estate deal Making real estate cash flow EVEN with eight percent mortgage rates (yes, it’s possible) Why David WON’T quit his job, even though he has already hit his FI number Finding contractors and vendors when out-of-state real estate investing  Using other people’s money to invest in real estate (and why you may want experience before you do) And So Much More!  Links from the Show BiggerPockets Money Facebook Group Network with Other Investors on The Path to FIRE Through the BiggerPockets Forums Finance Review Guest Onboarding Join BiggerPockets for FREE Mindy on BiggerPockets Scott on BiggerPockets Listen to All Your Favorite BiggerPockets Podcasts in One Place Apply to Be a Guest on The Money Show Podcast Talent Search! Find an Investor-Friendly Agent in Your Area Find Investor-Friendly Lenders BiggerPockets Money Group Stanhope Capital Start Investing with “The Book on Rental Property Investing” See Mindy and Scott at BPCON2024 in Cancun! Socially Conscious Investing: How to Start a Sober Living Home  00:00 Intro 01:17  Early Financial Education  05:13 Finding a Money Mentor  09:06 Hitting the 1% Rule in...Florida? 17:31 Current Cash Flow Numbers 20:41 $70K/Month Goal!? 24:09 Is Sober Living Investing Stable? 29:11 Borrowing Money to Invest 32:04 How Much Time Does It Take? 34:46 Connect with David and Morgan!  Check out more resources from this show on BiggerPockets.com and https://www.biggerpockets.com/blog/money-562  Interested in learning more about today’s sponsors or becoming a BiggerPockets partner yourself? Email advertise@biggerpockets.com]]></itunes:summary>
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	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[Achieving your FI number in just four years? If you want to do it too, you must try something different. This couple found a niche within a niche, allowing them to hit the coveted “1% rule” in real estate, skyrocketing their cash flow and passive income and allowing them to make more than almost any other landlord in their area. So, how did they do it, and what was the investment that got them there?  David and Morgan Stanhope weren’t real estate investors five years ago. They didn’t come from investor families and had zero real estate investing experience. One day, at his job as a New York State Police Investigator, David met a mentor who would change how he thought about money, financial freedom, and passive income. This was perfect because David and Morgan were already in a great place to invest—Upstate New York. But David chose NOT to invest in his home market, and for good reason.  They went south to a state known for higher home prices and crushingly high insurance costs. There,]]></googleplay:description>
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<item>
	<title>561: What Happens if High Expenses Extinguish Your FIRE?</title>
	<link>https://biggerpocketsmoney.com/podcast/561-what-happens-if-high-expenses-extinguish-your-fire/</link>
	<pubDate>Fri, 06 Sep 2024 06:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
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	<description><![CDATA[You did it; you achieved FIRE! After over a decade of hard work, you’ve reached financial independence and can retire early. You’re making more money than you spend from passive income, work-optional, and life is good. But your dreams are starting to change. Maybe you want to spend more on experiences, build your dream house, or move to a higher-cost-of-living area. Now, your expenses are starting to creep up, and your FIRE is about to burn out. What do you do, and is it wrong to return to work?  Caitlin Muldoon has had to ask herself these questions. After grinding for fifteen years, she finally reached her FIRE goal—$10,000 per month in passive income. In her current lifestyle, she’s saving money every month, but as she moves into her dream house and expenses start to rise, her passive income may not be enough. Does this mean that Caitlin is no longer financially independent?   Today, Caitlin is sharing her full FIRE story with us. How she went from one house hack and a HELOC to a six-figure generating real estate portfolio, the struggles she had with leaving her job, realizing that her expenses would jump after her husband quit, and why retiring early isn’t always the end goal.  Support today’s show sponsor, BAM Capital, your path to generational wealth with premier real estate investment opportunities!   In This Episode We Cover What to do if rising living expenses are about to extinguish your FIRE Turning your primary residence into a passive income-generating portfolio by using HELOCs How intentionally saving money can massively propel your wealth and get you to FIRE much sooner Why you DON’T need to quit your job, even after you reach your FIRE number Advice for anyone who wants to build a rental property portfolio with today’s high interest rates And So Much More!  Links from the Show BiggerPockets Money Facebook Group Network with Other Investors on The Path to FIRE Through the BiggerPockets Forums Finance Review Guest Onboarding Join BiggerPockets for FREE Mindy on BiggerPockets Scott on BiggerPockets Listen to All Your Favorite BiggerPockets Podcasts in One Place Apply to Be a Guest on The Money Show Podcast Talent Search! Find an Investor-Friendly Agent in Your Area Find Investor-Friendly Lenders BiggerPockets Money Group BiggerPockets Forums Market Finder Rising Femme Wealth See Mindy and Scott at BPCON2024 in Cancun! Do You Know Your FIRE Number? Here’s What That Means  00:00 intro 01:56  Starting Salary and First Home  04:01 Rental Investing and Finding FIRE  07:13 Thoughts of Quitting   08:05 Real Estate Portfolio Timeline  13:58 Savings Rate and Reinvesting   15:47 Using HELOC to Buy Rentals  20:31 Achieving FIRE, But...  24:07 Rising Lifestyle Expenses?  31:55 Advice for FIRE 36:32 Connect with Caitlin!  Check out more resources from this show on BiggerPockets.com and https://www.biggerpockets.com/blog/money-561  Interested in learning more about today’s sponsors or becoming a BiggerPockets partner yourself? Email advertise@biggerpockets.com]]></description>
	<itunes:subtitle><![CDATA[You did it; you achieved FIRE! After over a decade of hard work, you’ve reached financial independence and can retire early. You’re making more money than you spend from passive income, work-optional, and life is good. But your dreams are starting to cha]]></itunes:subtitle>
	<content:encoded><![CDATA[You did it; you achieved FIRE! After over a decade of hard work, you’ve reached financial independence and can retire early. You’re making more money than you spend from passive income, work-optional, and life is good. But your dreams are starting to change. Maybe you want to spend more on experiences, build your dream house, or move to a higher-cost-of-living area. Now, your expenses are starting to creep up, and your FIRE is about to burn out. What do you do, and is it wrong to return to work?  Caitlin Muldoon has had to ask herself these questions. After grinding for fifteen years, she finally reached her FIRE goal—$10,000 per month in passive income. In her current lifestyle, she’s saving money every month, but as she moves into her dream house and expenses start to rise, her passive income may not be enough. Does this mean that Caitlin is no longer financially independent?   Today, Caitlin is sharing her full FIRE story with us. How she went from one house hack and a HELOC to a six-figure generating real estate portfolio, the struggles she had with leaving her job, realizing that her expenses would jump after her husband quit, and why retiring early isn’t always the end goal.  Support today’s show sponsor, BAM Capital, your path to generational wealth with premier real estate investment opportunities!   In This Episode We Cover What to do if rising living expenses are about to extinguish your FIRE Turning your primary residence into a passive income-generating portfolio by using HELOCs How intentionally saving money can massively propel your wealth and get you to FIRE much sooner Why you DON’T need to quit your job, even after you reach your FIRE number Advice for anyone who wants to build a rental property portfolio with today’s high interest rates And So Much More!  Links from the Show BiggerPockets Money Facebook Group Network with Other Investors on The Path to FIRE Through the BiggerPockets Forums Finance Review Guest Onboarding Join BiggerPockets for FREE Mindy on BiggerPockets Scott on BiggerPockets Listen to All Your Favorite BiggerPockets Podcasts in One Place Apply to Be a Guest on The Money Show Podcast Talent Search! Find an Investor-Friendly Agent in Your Area Find Investor-Friendly Lenders BiggerPockets Money Group BiggerPockets Forums Market Finder Rising Femme Wealth See Mindy and Scott at BPCON2024 in Cancun! Do You Know Your FIRE Number? Here’s What That Means  00:00 intro 01:56  Starting Salary and First Home  04:01 Rental Investing and Finding FIRE  07:13 Thoughts of Quitting   08:05 Real Estate Portfolio Timeline  13:58 Savings Rate and Reinvesting   15:47 Using HELOC to Buy Rentals  20:31 Achieving FIRE, But...  24:07 Rising Lifestyle Expenses?  31:55 Advice for FIRE 36:32 Connect with Caitlin!  Check out more resources from this show on BiggerPockets.com and https://www.biggerpockets.com/blog/money-561  Interested in learning more about today’s sponsors or becoming a BiggerPockets partner yourself? Email advertise@biggerpockets.com]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC4960555446.mp3" length="67525532" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[You did it; you achieved FIRE! After over a decade of hard work, you’ve reached financial independence and can retire early. You’re making more money than you spend from passive income, work-optional, and life is good. But your dreams are starting to change. Maybe you want to spend more on experiences, build your dream house, or move to a higher-cost-of-living area. Now, your expenses are starting to creep up, and your FIRE is about to burn out. What do you do, and is it wrong to return to work?  Caitlin Muldoon has had to ask herself these questions. After grinding for fifteen years, she finally reached her FIRE goal—$10,000 per month in passive income. In her current lifestyle, she’s saving money every month, but as she moves into her dream house and expenses start to rise, her passive income may not be enough. Does this mean that Caitlin is no longer financially independent?   Today, Caitlin is sharing her full FIRE story with us. How she went from one house hack and a HELOC to a six-figure generating real estate portfolio, the struggles she had with leaving her job, realizing that her expenses would jump after her husband quit, and why retiring early isn’t always the end goal.  Support today’s show sponsor, BAM Capital, your path to generational wealth with premier real estate investment opportunities!   In This Episode We Cover What to do if rising living expenses are about to extinguish your FIRE Turning your primary residence into a passive income-generating portfolio by using HELOCs How intentionally saving money can massively propel your wealth and get you to FIRE much sooner Why you DON’T need to quit your job, even after you reach your FIRE number Advice for anyone who wants to build a rental property portfolio with today’s high interest rates And So Much More!  Links from the Show BiggerPockets Money Facebook Group Network with Other Investors on The Path to FIRE Through the BiggerPockets Forums Finance Review Guest Onboarding Join BiggerPockets for FREE Mindy on BiggerPockets Scott on BiggerPockets Listen to All Your Favorite BiggerPockets Podcasts in One Place Apply to Be a Guest on The Money Show Podcast Talent Search! Find an Investor-Friendly Agent in Your Area Find Investor-Friendly Lenders BiggerPockets Money Group BiggerPockets Forums Market Finder Rising Femme Wealth See Mindy and Scott at BPCON2024 in Cancun! Do You Know Your FIRE Number? Here’s What That Means  00:00 intro 01:56  Starting Salary and First Home  04:01 Rental Investing and Finding FIRE  07:13 Thoughts of Quitting   08:05 Real Estate Portfolio Timeline  13:58 Savings Rate and Reinvesting   15:47 Using HELOC to Buy Rentals  20:31 Achieving FIRE, But...  24:07 Rising Lifestyle Expenses?  31:55 Advice for FIRE 36:32 Connect with Caitlin!  Check out more resources from this show on BiggerPockets.com and https://www.biggerpockets.com/blog/money-561  Interested in learning more about today’s sponsors or becoming a BiggerPockets partner yourself? Email advertise@biggerpockets.com]]></itunes:summary>
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	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[You did it; you achieved FIRE! After over a decade of hard work, you’ve reached financial independence and can retire early. You’re making more money than you spend from passive income, work-optional, and life is good. But your dreams are starting to change. Maybe you want to spend more on experiences, build your dream house, or move to a higher-cost-of-living area. Now, your expenses are starting to creep up, and your FIRE is about to burn out. What do you do, and is it wrong to return to work?  Caitlin Muldoon has had to ask herself these questions. After grinding for fifteen years, she finally reached her FIRE goal—$10,000 per month in passive income. In her current lifestyle, she’s saving money every month, but as she moves into her dream house and expenses start to rise, her passive income may not be enough. Does this mean that Caitlin is no longer financially independent?   Today, Caitlin is sharing her full FIRE story with us. How she went from one house hack and a HELOC to a s]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>560: Dude ACTUALLY Withdraws From His 401(k) and Retires at 47</title>
	<link>https://biggerpocketsmoney.com/podcast/560-dude-actually-withdraws-from-his-401k-and-retires-at-47/</link>
	<pubDate>Tue, 03 Sep 2024 06:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">0842102c-890a-11ee-9bfd-ab2235d819a7</guid>
	<description><![CDATA[Did you know you can use your 401(k) to retire early? Yep, it’s possible. And today’s guest, Eric Cooper, is doing it atage 47! Most FIRE chasers search for how to withdraw from a 401(k) early but know that doing so will hit them with substantial penalties. The best way around this? The 72(t) rule—which is precisely what Eric [&#8230;]]]></description>
	<itunes:subtitle><![CDATA[Did you know you can use your 401(k) to retire early? Yep, it’s possible. And today’s guest, Eric Cooper, is doing it atage 47! Most FIRE chasers search for how to withdraw from a 401(k) early but know that doing so will hit them with substantial penalti]]></itunes:subtitle>
	<content:encoded><![CDATA[Did you know you can use your 401(k) to retire early? Yep, it’s possible. And today’s guest, Eric Cooper, is doing it atage 47! Most FIRE chasers search for how to withdraw from a 401(k) early but know that doing so will hit them with substantial penalties. The best way around this? The 72(t) rule—which is precisely what Eric [&#8230;]]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC3025650918.mp3" length="73102424" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[Did you know you can use your 401(k) to retire early? Yep, it’s possible. And today’s guest, Eric Cooper, is doing it atage 47! Most FIRE chasers search for how to withdraw from a 401(k) early but know that doing so will hit them with substantial penalties. The best way around this? The 72(t) rule—which is precisely what Eric [&#8230;]]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[Did you know you can use your 401(k) to retire early? Yep, it’s possible. And today’s guest, Eric Cooper, is doing it atage 47! Most FIRE chasers search for how to withdraw from a 401(k) early but know that doing so will hit them with substantial penalties. The best way around this? The 72(t) rule—which is precisely what Eric [&#8230;]]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>559: How I Retired in My Mid-30s While Working Just 4 Hours a Week</title>
	<link>https://biggerpocketsmoney.com/podcast/559-how-i-retired-in-my-mid-30s-while-working-just-4-hours-a-week/</link>
	<pubDate>Fri, 30 Aug 2024 06:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">07e398ee-890a-11ee-9bfd-bfeb197602a9</guid>
	<description><![CDATA[What if you could “retire” early, working only FOUR hours a week? Coast FIRE achiever Diania Merriam did just that! After a decade of hustle in corporate America, Diania found herself financially behind with $30,000 in debt. Dreaming of a life-changing adventure but lacking the funds, she decided to overhaul her finances. Fast forward, and now in her mid-thirties, she’s debt-free, successfully self-employed (or, as she puts it, happily “unemployed”), living life on her terms.  So, how did Diania save enough to walk away from her nine-to-five? The answer might surprise you. She didn’t need millions in the bank, and neither do YOU, to embrace early retirement. Diania asks, “Do you have enough to take a risk?” If you do, you could live the Coast FIRE lifestyle, just like her, working minimal hours and maximizing time freedom.  Ready to slash your workweek and dive into what you love? Stick around—by following Diania’s example, early retirement could be within your reach, EVEN if you’re just getting started on your FIRE journey!  In This Episode We Cover Why you must be financially prepared to quit a soul-sucking job  Achieving Coast FIRE without millions in the bank and how to be happy living off of little Why self-employed health insurance isn’t as big of an expense as most people think Burning out before you hit FIRE and why being hyper-fixated on a financial goal could kill your drive How starting your own business can save you a ton on taxes How to “retire” early without replacing your full-time salary  And So Much More!  Links from the Show BiggerPockets Money Facebook Group Network with Other Investors on The Path to FIRE Through the BiggerPockets Forums Finance Review Guest Onboarding Join BiggerPockets for FREE Mindy on BiggerPockets Scott on BiggerPockets Listen to All Your Favorite BiggerPockets Podcasts in One Place Apply to Be a Guest on The Money Show Podcast Talent Search! Find an Investor-Friendly Agent in Your Area Find Investor-Friendly Lenders BiggerPockets Money Group Let Us Know What You Thought of the Show! Grab Dave’s Newest Book “Start with Strategy” See Mindy at BPCON2024 in Cancun! Coast FI: The Calculated Way to Retire Early WITHOUT Giving Up What You Love  00:00 $30K in Debt! 03:04 Quitting Her "Toxic" Job 09:06 What About Health Insurance!?  11:45 How Much Diania Makes 15:42 Ultimate Time Flexibility  20:36 You Already Have ENOUGH Money! 25:07 Connect with Diania!  Check out more resources from this show on BiggerPockets.com and https://www.biggerpockets.com/blog/money-559  Interested in learning more about today’s sponsors or becoming a BiggerPockets partner yourself? Email advertise@biggerpockets.com]]></description>
	<itunes:subtitle><![CDATA[What if you could “retire” early, working only FOUR hours a week? Coast FIRE achiever Diania Merriam did just that! After a decade of hustle in corporate America, Diania found herself financially behind with $30,000 in debt. Dreaming of a life-changing a]]></itunes:subtitle>
	<content:encoded><![CDATA[What if you could “retire” early, working only FOUR hours a week? Coast FIRE achiever Diania Merriam did just that! After a decade of hustle in corporate America, Diania found herself financially behind with $30,000 in debt. Dreaming of a life-changing adventure but lacking the funds, she decided to overhaul her finances. Fast forward, and now in her mid-thirties, she’s debt-free, successfully self-employed (or, as she puts it, happily “unemployed”), living life on her terms.  So, how did Diania save enough to walk away from her nine-to-five? The answer might surprise you. She didn’t need millions in the bank, and neither do YOU, to embrace early retirement. Diania asks, “Do you have enough to take a risk?” If you do, you could live the Coast FIRE lifestyle, just like her, working minimal hours and maximizing time freedom.  Ready to slash your workweek and dive into what you love? Stick around—by following Diania’s example, early retirement could be within your reach, EVEN if you’re just getting started on your FIRE journey!  In This Episode We Cover Why you must be financially prepared to quit a soul-sucking job  Achieving Coast FIRE without millions in the bank and how to be happy living off of little Why self-employed health insurance isn’t as big of an expense as most people think Burning out before you hit FIRE and why being hyper-fixated on a financial goal could kill your drive How starting your own business can save you a ton on taxes How to “retire” early without replacing your full-time salary  And So Much More!  Links from the Show BiggerPockets Money Facebook Group Network with Other Investors on The Path to FIRE Through the BiggerPockets Forums Finance Review Guest Onboarding Join BiggerPockets for FREE Mindy on BiggerPockets Scott on BiggerPockets Listen to All Your Favorite BiggerPockets Podcasts in One Place Apply to Be a Guest on The Money Show Podcast Talent Search! Find an Investor-Friendly Agent in Your Area Find Investor-Friendly Lenders BiggerPockets Money Group Let Us Know What You Thought of the Show! Grab Dave’s Newest Book “Start with Strategy” See Mindy at BPCON2024 in Cancun! Coast FI: The Calculated Way to Retire Early WITHOUT Giving Up What You Love  00:00 $30K in Debt! 03:04 Quitting Her "Toxic" Job 09:06 What About Health Insurance!?  11:45 How Much Diania Makes 15:42 Ultimate Time Flexibility  20:36 You Already Have ENOUGH Money! 25:07 Connect with Diania!  Check out more resources from this show on BiggerPockets.com and https://www.biggerpockets.com/blog/money-559  Interested in learning more about today’s sponsors or becoming a BiggerPockets partner yourself? Email advertise@biggerpockets.com]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC8347895561.mp3" length="48954100" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[What if you could “retire” early, working only FOUR hours a week? Coast FIRE achiever Diania Merriam did just that! After a decade of hustle in corporate America, Diania found herself financially behind with $30,000 in debt. Dreaming of a life-changing adventure but lacking the funds, she decided to overhaul her finances. Fast forward, and now in her mid-thirties, she’s debt-free, successfully self-employed (or, as she puts it, happily “unemployed”), living life on her terms.  So, how did Diania save enough to walk away from her nine-to-five? The answer might surprise you. She didn’t need millions in the bank, and neither do YOU, to embrace early retirement. Diania asks, “Do you have enough to take a risk?” If you do, you could live the Coast FIRE lifestyle, just like her, working minimal hours and maximizing time freedom.  Ready to slash your workweek and dive into what you love? Stick around—by following Diania’s example, early retirement could be within your reach, EVEN if you’re just getting started on your FIRE journey!  In This Episode We Cover Why you must be financially prepared to quit a soul-sucking job  Achieving Coast FIRE without millions in the bank and how to be happy living off of little Why self-employed health insurance isn’t as big of an expense as most people think Burning out before you hit FIRE and why being hyper-fixated on a financial goal could kill your drive How starting your own business can save you a ton on taxes How to “retire” early without replacing your full-time salary  And So Much More!  Links from the Show BiggerPockets Money Facebook Group Network with Other Investors on The Path to FIRE Through the BiggerPockets Forums Finance Review Guest Onboarding Join BiggerPockets for FREE Mindy on BiggerPockets Scott on BiggerPockets Listen to All Your Favorite BiggerPockets Podcasts in One Place Apply to Be a Guest on The Money Show Podcast Talent Search! Find an Investor-Friendly Agent in Your Area Find Investor-Friendly Lenders BiggerPockets Money Group Let Us Know What You Thought of the Show! Grab Dave’s Newest Book “Start with Strategy” See Mindy at BPCON2024 in Cancun! Coast FI: The Calculated Way to Retire Early WITHOUT Giving Up What You Love  00:00 $30K in Debt! 03:04 Quitting Her "Toxic" Job 09:06 What About Health Insurance!?  11:45 How Much Diania Makes 15:42 Ultimate Time Flexibility  20:36 You Already Have ENOUGH Money! 25:07 Connect with Diania!  Check out more resources from this show on BiggerPockets.com and https://www.biggerpockets.com/blog/money-559  Interested in learning more about today’s sponsors or becoming a BiggerPockets partner yourself? Email advertise@biggerpockets.com]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[What if you could “retire” early, working only FOUR hours a week? Coast FIRE achiever Diania Merriam did just that! After a decade of hustle in corporate America, Diania found herself financially behind with $30,000 in debt. Dreaming of a life-changing adventure but lacking the funds, she decided to overhaul her finances. Fast forward, and now in her mid-thirties, she’s debt-free, successfully self-employed (or, as she puts it, happily “unemployed”), living life on her terms.  So, how did Diania save enough to walk away from her nine-to-five? The answer might surprise you. She didn’t need millions in the bank, and neither do YOU, to embrace early retirement. Diania asks, “Do you have enough to take a risk?” If you do, you could live the Coast FIRE lifestyle, just like her, working minimal hours and maximizing time freedom.  Ready to slash your workweek and dive into what you love? Stick around—by following Diania’s example, early retirement could be within your reach, EVEN if you’re j]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>558: How to Start Investing for Retirement: 401(k), IRA, Roth?</title>
	<link>https://biggerpocketsmoney.com/podcast/558-how-to-start-investing-for-retirement-401k-ira-roth/</link>
	<pubDate>Tue, 27 Aug 2024 06:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">061184f4-890a-11ee-9bfd-037563d05c31</guid>
	<description><![CDATA[The IRA vs. 401(k). You’ve heard of these retirement accounts before, but do you know the difference between the two? Maybe you have a 401(k) at work and have been diligently getting your employer match but struggle to describe what you’re investing in. You’ve heard top financial experts talk about how a Roth IRA is crucial for saving on taxes long-term, but are you eligible to invest in one? Today, we’re discussing top retirement accounts and how to start investing with just $100.  CFP (Certified Financial Planner) Kyle Mast joins Mindy on today’s show to answer common questions about 401(k)s, IRAs, Roth IRAs, and HSAs! We’ll first describe when you should invest in a 401(k) vs. an IRA, why their Roth equivalents are so valuable, especially if you’re itching to save on taxes in retirement, and the best account for beginners that (most) Americans will get free money from.  What happens after you leave a job and your 401(k) remains? Kyle discusses the options to ensure your money stays invested, even after leaving an employer. We’ll also get into the triple-tax benefit HSA (health savings account) that you should take advantage of IF you qualify, which accounts to invest in first, and what to do once you’ve maxed out your retirement accounts!  In This Episode We Cover 401(k)s vs. IRAs and which to invest in first (especially if you’re employed!) Roth IRAs and 401(k)s explained and when to choose a Roth over a traditional account The best retirement account for beginners and how to get free money for retirement How to take control of a 401(k) after leaving an employer Health Savings Accounts (HSAs) and who qualifies for these extremely tax-benefited accounts Which accounts to invest in first when maximizing retirement savings How we would start investing for retirement if we only had $100/month extra And So Much More!  Links from the Show BiggerPockets Money Facebook Group Network with Other Investors on The Path to FIRE Through the BiggerPockets Forums Finance Review Guest Onboarding Join BiggerPockets for FREE Mindy on BiggerPockets Scott on BiggerPockets Listen to All Your Favorite BiggerPockets Podcasts in One Place Apply to Be a Guest on The Money Show Podcast Talent Search! Find an Investor-Friendly Agent in Your Area Find Investor-Friendly Lenders BiggerPockets Money Group Buy Scott’s Book “Set for Life” See Mindy and Scott at BPCON2024 in Cancun!  BiggerPockets Money - Episode 549: Is FIRE Dead? No, But Here’s Why Most WON’T Achieve It See Mindy at BPCON2024 in Cancun! Traditional 401(k) vs. Roth IRA: Which One Wins?  00:00 Intro 02:17 401(k)s vs. IRAs 05:07 Roth IRAs and 401(k)s 11:21 Best Account for Beginners   14:31 401(k)s After Ending Employment  19:58 Health Savings Accounts (HSA) 26:46 How to Invest $100 32:00 Connect with Kyle!  Check out more resources from this show on BiggerPockets.com and https://www.biggerpockets.com/blog/money-558  Interested in learning more about today’s sponsors or becoming a BiggerPockets partner yourself? Email advertise@biggerpockets.com]]></description>
	<itunes:subtitle><![CDATA[The IRA vs. 401(k). You’ve heard of these retirement accounts before, but do you know the difference between the two? Maybe you have a 401(k) at work and have been diligently getting your employer match but struggle to describe what you’re investing in. ]]></itunes:subtitle>
	<content:encoded><![CDATA[The IRA vs. 401(k). You’ve heard of these retirement accounts before, but do you know the difference between the two? Maybe you have a 401(k) at work and have been diligently getting your employer match but struggle to describe what you’re investing in. You’ve heard top financial experts talk about how a Roth IRA is crucial for saving on taxes long-term, but are you eligible to invest in one? Today, we’re discussing top retirement accounts and how to start investing with just $100.  CFP (Certified Financial Planner) Kyle Mast joins Mindy on today’s show to answer common questions about 401(k)s, IRAs, Roth IRAs, and HSAs! We’ll first describe when you should invest in a 401(k) vs. an IRA, why their Roth equivalents are so valuable, especially if you’re itching to save on taxes in retirement, and the best account for beginners that (most) Americans will get free money from.  What happens after you leave a job and your 401(k) remains? Kyle discusses the options to ensure your money stays invested, even after leaving an employer. We’ll also get into the triple-tax benefit HSA (health savings account) that you should take advantage of IF you qualify, which accounts to invest in first, and what to do once you’ve maxed out your retirement accounts!  In This Episode We Cover 401(k)s vs. IRAs and which to invest in first (especially if you’re employed!) Roth IRAs and 401(k)s explained and when to choose a Roth over a traditional account The best retirement account for beginners and how to get free money for retirement How to take control of a 401(k) after leaving an employer Health Savings Accounts (HSAs) and who qualifies for these extremely tax-benefited accounts Which accounts to invest in first when maximizing retirement savings How we would start investing for retirement if we only had $100/month extra And So Much More!  Links from the Show BiggerPockets Money Facebook Group Network with Other Investors on The Path to FIRE Through the BiggerPockets Forums Finance Review Guest Onboarding Join BiggerPockets for FREE Mindy on BiggerPockets Scott on BiggerPockets Listen to All Your Favorite BiggerPockets Podcasts in One Place Apply to Be a Guest on The Money Show Podcast Talent Search! Find an Investor-Friendly Agent in Your Area Find Investor-Friendly Lenders BiggerPockets Money Group Buy Scott’s Book “Set for Life” See Mindy and Scott at BPCON2024 in Cancun!  BiggerPockets Money - Episode 549: Is FIRE Dead? No, But Here’s Why Most WON’T Achieve It See Mindy at BPCON2024 in Cancun! Traditional 401(k) vs. Roth IRA: Which One Wins?  00:00 Intro 02:17 401(k)s vs. IRAs 05:07 Roth IRAs and 401(k)s 11:21 Best Account for Beginners   14:31 401(k)s After Ending Employment  19:58 Health Savings Accounts (HSA) 26:46 How to Invest $100 32:00 Connect with Kyle!  Check out more resources from this show on BiggerPockets.com and https://www.biggerpockets.com/blog/money-558  Interested in learning more about today’s sponsors or becoming a BiggerPockets partner yourself? Email advertise@biggerpockets.com]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC2800925508.mp3" length="59469950" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[The IRA vs. 401(k). You’ve heard of these retirement accounts before, but do you know the difference between the two? Maybe you have a 401(k) at work and have been diligently getting your employer match but struggle to describe what you’re investing in. You’ve heard top financial experts talk about how a Roth IRA is crucial for saving on taxes long-term, but are you eligible to invest in one? Today, we’re discussing top retirement accounts and how to start investing with just $100.  CFP (Certified Financial Planner) Kyle Mast joins Mindy on today’s show to answer common questions about 401(k)s, IRAs, Roth IRAs, and HSAs! We’ll first describe when you should invest in a 401(k) vs. an IRA, why their Roth equivalents are so valuable, especially if you’re itching to save on taxes in retirement, and the best account for beginners that (most) Americans will get free money from.  What happens after you leave a job and your 401(k) remains? Kyle discusses the options to ensure your money stays invested, even after leaving an employer. We’ll also get into the triple-tax benefit HSA (health savings account) that you should take advantage of IF you qualify, which accounts to invest in first, and what to do once you’ve maxed out your retirement accounts!  In This Episode We Cover 401(k)s vs. IRAs and which to invest in first (especially if you’re employed!) Roth IRAs and 401(k)s explained and when to choose a Roth over a traditional account The best retirement account for beginners and how to get free money for retirement How to take control of a 401(k) after leaving an employer Health Savings Accounts (HSAs) and who qualifies for these extremely tax-benefited accounts Which accounts to invest in first when maximizing retirement savings How we would start investing for retirement if we only had $100/month extra And So Much More!  Links from the Show BiggerPockets Money Facebook Group Network with Other Investors on The Path to FIRE Through the BiggerPockets Forums Finance Review Guest Onboarding Join BiggerPockets for FREE Mindy on BiggerPockets Scott on BiggerPockets Listen to All Your Favorite BiggerPockets Podcasts in One Place Apply to Be a Guest on The Money Show Podcast Talent Search! Find an Investor-Friendly Agent in Your Area Find Investor-Friendly Lenders BiggerPockets Money Group Buy Scott’s Book “Set for Life” See Mindy and Scott at BPCON2024 in Cancun!  BiggerPockets Money - Episode 549: Is FIRE Dead? No, But Here’s Why Most WON’T Achieve It See Mindy at BPCON2024 in Cancun! Traditional 401(k) vs. Roth IRA: Which One Wins?  00:00 Intro 02:17 401(k)s vs. IRAs 05:07 Roth IRAs and 401(k)s 11:21 Best Account for Beginners   14:31 401(k)s After Ending Employment  19:58 Health Savings Accounts (HSA) 26:46 How to Invest $100 32:00 Connect with Kyle!  Check out more resources from this show on BiggerPockets.com and https://www.biggerpockets.com/blog/money-558  Interested in learning more about today’s sponsors or becoming a BiggerPockets partner yourself? Email advertise@biggerpockets.com]]></itunes:summary>
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	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[The IRA vs. 401(k). You’ve heard of these retirement accounts before, but do you know the difference between the two? Maybe you have a 401(k) at work and have been diligently getting your employer match but struggle to describe what you’re investing in. You’ve heard top financial experts talk about how a Roth IRA is crucial for saving on taxes long-term, but are you eligible to invest in one? Today, we’re discussing top retirement accounts and how to start investing with just $100.  CFP (Certified Financial Planner) Kyle Mast joins Mindy on today’s show to answer common questions about 401(k)s, IRAs, Roth IRAs, and HSAs! We’ll first describe when you should invest in a 401(k) vs. an IRA, why their Roth equivalents are so valuable, especially if you’re itching to save on taxes in retirement, and the best account for beginners that (most) Americans will get free money from.  What happens after you leave a job and your 401(k) remains? Kyle discusses the options to ensure your money stays]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>557: Buying at the Peak, Surviving a Crash, and STILL Being Able to Quit at 38</title>
	<link>https://biggerpocketsmoney.com/podcast/557-buying-at-the-peak-surviving-a-crash-and-still-being-able-to-quit-at-38/</link>
	<pubDate>Fri, 23 Aug 2024 06:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">0786c1aa-890a-11ee-9bfd-f72cc06c194b</guid>
	<description><![CDATA[Have you ever made a poor financial decision? You’re not alone! But can a bad blunder disqualify you from FIRE? Today’s guest made a huge investment at the worst possible time, a move that had consequences a decade later. Despite this, he was still able to reach early retirement in just fifteen years!  Welcome back to the BiggerPockets Money podcast! Ryan Connell had a picture-perfect start to his financial independence journey—saving money at a young age and living well below his means. But then 2007 arrived, and Ryan made the “worst financial decision” of his life. He bought a house just weeks before the housing market began its historic collapse. But a move that could have derailed his quest for FIRE proved to be a minor setback because Ryan was still able to retire at the age of thirty-eight!  In this episode, you’ll learn why you should treat real estate as less of a “sure thing” and more like the stock market. Ryan discusses his current portfolio, which consists of 100% index funds, and what led him to pivot from real estate investing entirely. He even gives us a peek into the average day as an early retiree and shares why he has never had a FIRE number!  In This Episode We Cover How Ryan rebounded from his “worst financial decision” to reach FIRE at thirty-eight Real estate versus stocks and why you don’t need properties to retire early Why time in the market is still more important than timing the market Whether you can reach financial independence without stress and sacrifice How to enjoy retirement with less productivity and more “negative time” And So Much More!  Links from the Show BiggerPockets Money Facebook Group Network with Other Investors on The Path to FIRE Through the BiggerPockets Forums Finance Review Guest Onboarding Join BiggerPockets for FREE Mindy on BiggerPockets Scott on BiggerPockets Listen to All Your Favorite BiggerPockets Podcasts in One Place Apply to Be a Guest on The Money Show Podcast Talent Search! Find an Investor-Friendly Agent in Your Area Find Investor-Friendly Lenders BiggerPockets Money Group Check Out Ryan’s Camp FI Talk Buy the Book “Rich Dad Poor Dad" See Mindy and Scott at BPCON2024 in Cancun! BiggerPockets Real Estate 955: BiggerNews: Real Estate vs. Stocks, the Ultimate Wealth-Building Debate  00:00 Intro 02:02 Buying a House...in 2007 09:42 Digging His Way Out 18:46 Ryan’s Journey to FIRE 28:25 Saving TOO Much? 35:00 Life After Early Retirement 40:49 Find Freedom Faster!  Check out more resources from this show on BiggerPockets.com and https://www.biggerpockets.com/blog/money-557  Interested in learning more about today’s sponsors or becoming a BiggerPockets partner yourself? Email advertise@biggerpockets.com]]></description>
	<itunes:subtitle><![CDATA[Have you ever made a poor financial decision? You’re not alone! But can a bad blunder disqualify you from FIRE? Today’s guest made a huge investment at the worst possible time, a move that had consequences a decade later. Despite this, he was still able ]]></itunes:subtitle>
	<content:encoded><![CDATA[Have you ever made a poor financial decision? You’re not alone! But can a bad blunder disqualify you from FIRE? Today’s guest made a huge investment at the worst possible time, a move that had consequences a decade later. Despite this, he was still able to reach early retirement in just fifteen years!  Welcome back to the BiggerPockets Money podcast! Ryan Connell had a picture-perfect start to his financial independence journey—saving money at a young age and living well below his means. But then 2007 arrived, and Ryan made the “worst financial decision” of his life. He bought a house just weeks before the housing market began its historic collapse. But a move that could have derailed his quest for FIRE proved to be a minor setback because Ryan was still able to retire at the age of thirty-eight!  In this episode, you’ll learn why you should treat real estate as less of a “sure thing” and more like the stock market. Ryan discusses his current portfolio, which consists of 100% index funds, and what led him to pivot from real estate investing entirely. He even gives us a peek into the average day as an early retiree and shares why he has never had a FIRE number!  In This Episode We Cover How Ryan rebounded from his “worst financial decision” to reach FIRE at thirty-eight Real estate versus stocks and why you don’t need properties to retire early Why time in the market is still more important than timing the market Whether you can reach financial independence without stress and sacrifice How to enjoy retirement with less productivity and more “negative time” And So Much More!  Links from the Show BiggerPockets Money Facebook Group Network with Other Investors on The Path to FIRE Through the BiggerPockets Forums Finance Review Guest Onboarding Join BiggerPockets for FREE Mindy on BiggerPockets Scott on BiggerPockets Listen to All Your Favorite BiggerPockets Podcasts in One Place Apply to Be a Guest on The Money Show Podcast Talent Search! Find an Investor-Friendly Agent in Your Area Find Investor-Friendly Lenders BiggerPockets Money Group Check Out Ryan’s Camp FI Talk Buy the Book “Rich Dad Poor Dad" See Mindy and Scott at BPCON2024 in Cancun! BiggerPockets Real Estate 955: BiggerNews: Real Estate vs. Stocks, the Ultimate Wealth-Building Debate  00:00 Intro 02:02 Buying a House...in 2007 09:42 Digging His Way Out 18:46 Ryan’s Journey to FIRE 28:25 Saving TOO Much? 35:00 Life After Early Retirement 40:49 Find Freedom Faster!  Check out more resources from this show on BiggerPockets.com and https://www.biggerpockets.com/blog/money-557  Interested in learning more about today’s sponsors or becoming a BiggerPockets partner yourself? Email advertise@biggerpockets.com]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC5139610349.mp3" length="71941316" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[Have you ever made a poor financial decision? You’re not alone! But can a bad blunder disqualify you from FIRE? Today’s guest made a huge investment at the worst possible time, a move that had consequences a decade later. Despite this, he was still able to reach early retirement in just fifteen years!  Welcome back to the BiggerPockets Money podcast! Ryan Connell had a picture-perfect start to his financial independence journey—saving money at a young age and living well below his means. But then 2007 arrived, and Ryan made the “worst financial decision” of his life. He bought a house just weeks before the housing market began its historic collapse. But a move that could have derailed his quest for FIRE proved to be a minor setback because Ryan was still able to retire at the age of thirty-eight!  In this episode, you’ll learn why you should treat real estate as less of a “sure thing” and more like the stock market. Ryan discusses his current portfolio, which consists of 100% index funds, and what led him to pivot from real estate investing entirely. He even gives us a peek into the average day as an early retiree and shares why he has never had a FIRE number!  In This Episode We Cover How Ryan rebounded from his “worst financial decision” to reach FIRE at thirty-eight Real estate versus stocks and why you don’t need properties to retire early Why time in the market is still more important than timing the market Whether you can reach financial independence without stress and sacrifice How to enjoy retirement with less productivity and more “negative time” And So Much More!  Links from the Show BiggerPockets Money Facebook Group Network with Other Investors on The Path to FIRE Through the BiggerPockets Forums Finance Review Guest Onboarding Join BiggerPockets for FREE Mindy on BiggerPockets Scott on BiggerPockets Listen to All Your Favorite BiggerPockets Podcasts in One Place Apply to Be a Guest on The Money Show Podcast Talent Search! Find an Investor-Friendly Agent in Your Area Find Investor-Friendly Lenders BiggerPockets Money Group Check Out Ryan’s Camp FI Talk Buy the Book “Rich Dad Poor Dad" See Mindy and Scott at BPCON2024 in Cancun! BiggerPockets Real Estate 955: BiggerNews: Real Estate vs. Stocks, the Ultimate Wealth-Building Debate  00:00 Intro 02:02 Buying a House...in 2007 09:42 Digging His Way Out 18:46 Ryan’s Journey to FIRE 28:25 Saving TOO Much? 35:00 Life After Early Retirement 40:49 Find Freedom Faster!  Check out more resources from this show on BiggerPockets.com and https://www.biggerpockets.com/blog/money-557  Interested in learning more about today’s sponsors or becoming a BiggerPockets partner yourself? Email advertise@biggerpockets.com]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[Have you ever made a poor financial decision? You’re not alone! But can a bad blunder disqualify you from FIRE? Today’s guest made a huge investment at the worst possible time, a move that had consequences a decade later. Despite this, he was still able to reach early retirement in just fifteen years!  Welcome back to the BiggerPockets Money podcast! Ryan Connell had a picture-perfect start to his financial independence journey—saving money at a young age and living well below his means. But then 2007 arrived, and Ryan made the “worst financial decision” of his life. He bought a house just weeks before the housing market began its historic collapse. But a move that could have derailed his quest for FIRE proved to be a minor setback because Ryan was still able to retire at the age of thirty-eight!  In this episode, you’ll learn why you should treat real estate as less of a “sure thing” and more like the stock market. Ryan discusses his current portfolio, which consists of 100% index fu]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
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<item>
	<title>556: FIRE in 2024: What We’d Do Differently If We Started Over Today</title>
	<link>https://biggerpocketsmoney.com/podcast/556-fire-in-2024-what-wed-do-differently-if-we-started-over-today/</link>
	<pubDate>Tue, 20 Aug 2024 06:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">05b417d8-890a-11ee-9bfd-77ef45a54712</guid>
	<description><![CDATA[2013 was a pivotal year for our hosts. Scott was fresh out of college and just beginning his journey to financial independence, while Mindy and her husband were well on their way to FIRE and had just launched their blog, 1,500 Days, to document their progress. But if they were starting over today, would they change anything?  Welcome back to the BiggerPockets Money podcast! In today’s episode, Scott and Mindy are winding back the clock ten years and sharing what they would do differently if they were beginning their FI journey in 2024. Spoiler alert: they wouldn’t have changed very much regarding the fundamentals of frugality, saving money, and investing. But, as you’re about to find out, they would make some MAJOR tactical changes, and they even have a few regrets about not spending money!  Whether you’re brand new to FIRE or are already on track for financial freedom, you don’t want to miss this episode! You’ll learn about the real estate investing strategy Scott would prioritize in 2024, the stock investments that helped Mindy overshoot her FI number, and the lifestyle changes our hosts wish they had made along the way!  In This Episode We Cover What Scott and Mindy would change if they were starting their FI journey today Three types of investments that will carry you to financial independence How to invest in real estate in 2024 (and which strategy to use) When to prioritize saving cash over contributing to retirement accounts The cash-flowing investment property WE would be buying in 2024 The individual stocks that catapulted Mindy toward FIRE How to save thousands of dollars in taxes with live in flips And So Much More!  Links from the Show BiggerPockets Money Facebook Group Network with Other Investors on The Path to FIRE Through the BiggerPockets Forums Finance Review Guest Onboarding Join BiggerPockets for FREE Mindy on BiggerPockets Listen to All Your Favorite BiggerPockets Podcasts in One Place Apply to Be a Guest on The Money Show Podcast Talent Search! Find an Investor-Friendly Agent in Your Area Find Investor-Friendly Lenders BiggerPockets Money Group Buy Scott’s Book “Set for Life” See Mindy and Scott at BPCON2024 in Cancun!  BiggerPockets Money - Episode 549: Is FIRE Dead? No, But Here’s Why Most WON’T Achieve It  00:00 Intro 01:24 Chasing FIRE in 2013 05:54 Where to Invest & Live In Flips 12:00  Starting from Zero in 2024 23:03 Lifestyle Changes with FI 27:34 Save and Invest!  Check out more resources from this show on BiggerPockets.com and https://www.biggerpockets.com/blog/money-556  Interested in learning more about today’s sponsors or becoming a BiggerPockets partner yourself? Email advertise@biggerpockets.com]]></description>
	<itunes:subtitle><![CDATA[2013 was a pivotal year for our hosts. Scott was fresh out of college and just beginning his journey to financial independence, while Mindy and her husband were well on their way to FIRE and had just launched their blog, 1,500 Days, to document their pro]]></itunes:subtitle>
	<content:encoded><![CDATA[2013 was a pivotal year for our hosts. Scott was fresh out of college and just beginning his journey to financial independence, while Mindy and her husband were well on their way to FIRE and had just launched their blog, 1,500 Days, to document their progress. But if they were starting over today, would they change anything?  Welcome back to the BiggerPockets Money podcast! In today’s episode, Scott and Mindy are winding back the clock ten years and sharing what they would do differently if they were beginning their FI journey in 2024. Spoiler alert: they wouldn’t have changed very much regarding the fundamentals of frugality, saving money, and investing. But, as you’re about to find out, they would make some MAJOR tactical changes, and they even have a few regrets about not spending money!  Whether you’re brand new to FIRE or are already on track for financial freedom, you don’t want to miss this episode! You’ll learn about the real estate investing strategy Scott would prioritize in 2024, the stock investments that helped Mindy overshoot her FI number, and the lifestyle changes our hosts wish they had made along the way!  In This Episode We Cover What Scott and Mindy would change if they were starting their FI journey today Three types of investments that will carry you to financial independence How to invest in real estate in 2024 (and which strategy to use) When to prioritize saving cash over contributing to retirement accounts The cash-flowing investment property WE would be buying in 2024 The individual stocks that catapulted Mindy toward FIRE How to save thousands of dollars in taxes with live in flips And So Much More!  Links from the Show BiggerPockets Money Facebook Group Network with Other Investors on The Path to FIRE Through the BiggerPockets Forums Finance Review Guest Onboarding Join BiggerPockets for FREE Mindy on BiggerPockets Listen to All Your Favorite BiggerPockets Podcasts in One Place Apply to Be a Guest on The Money Show Podcast Talent Search! Find an Investor-Friendly Agent in Your Area Find Investor-Friendly Lenders BiggerPockets Money Group Buy Scott’s Book “Set for Life” See Mindy and Scott at BPCON2024 in Cancun!  BiggerPockets Money - Episode 549: Is FIRE Dead? No, But Here’s Why Most WON’T Achieve It  00:00 Intro 01:24 Chasing FIRE in 2013 05:54 Where to Invest & Live In Flips 12:00  Starting from Zero in 2024 23:03 Lifestyle Changes with FI 27:34 Save and Invest!  Check out more resources from this show on BiggerPockets.com and https://www.biggerpockets.com/blog/money-556  Interested in learning more about today’s sponsors or becoming a BiggerPockets partner yourself? Email advertise@biggerpockets.com]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC8613918410.mp3" length="56565391" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[2013 was a pivotal year for our hosts. Scott was fresh out of college and just beginning his journey to financial independence, while Mindy and her husband were well on their way to FIRE and had just launched their blog, 1,500 Days, to document their progress. But if they were starting over today, would they change anything?  Welcome back to the BiggerPockets Money podcast! In today’s episode, Scott and Mindy are winding back the clock ten years and sharing what they would do differently if they were beginning their FI journey in 2024. Spoiler alert: they wouldn’t have changed very much regarding the fundamentals of frugality, saving money, and investing. But, as you’re about to find out, they would make some MAJOR tactical changes, and they even have a few regrets about not spending money!  Whether you’re brand new to FIRE or are already on track for financial freedom, you don’t want to miss this episode! You’ll learn about the real estate investing strategy Scott would prioritize in 2024, the stock investments that helped Mindy overshoot her FI number, and the lifestyle changes our hosts wish they had made along the way!  In This Episode We Cover What Scott and Mindy would change if they were starting their FI journey today Three types of investments that will carry you to financial independence How to invest in real estate in 2024 (and which strategy to use) When to prioritize saving cash over contributing to retirement accounts The cash-flowing investment property WE would be buying in 2024 The individual stocks that catapulted Mindy toward FIRE How to save thousands of dollars in taxes with live in flips And So Much More!  Links from the Show BiggerPockets Money Facebook Group Network with Other Investors on The Path to FIRE Through the BiggerPockets Forums Finance Review Guest Onboarding Join BiggerPockets for FREE Mindy on BiggerPockets Listen to All Your Favorite BiggerPockets Podcasts in One Place Apply to Be a Guest on The Money Show Podcast Talent Search! Find an Investor-Friendly Agent in Your Area Find Investor-Friendly Lenders BiggerPockets Money Group Buy Scott’s Book “Set for Life” See Mindy and Scott at BPCON2024 in Cancun!  BiggerPockets Money - Episode 549: Is FIRE Dead? No, But Here’s Why Most WON’T Achieve It  00:00 Intro 01:24 Chasing FIRE in 2013 05:54 Where to Invest & Live In Flips 12:00  Starting from Zero in 2024 23:03 Lifestyle Changes with FI 27:34 Save and Invest!  Check out more resources from this show on BiggerPockets.com and https://www.biggerpockets.com/blog/money-556  Interested in learning more about today’s sponsors or becoming a BiggerPockets partner yourself? Email advertise@biggerpockets.com]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[2013 was a pivotal year for our hosts. Scott was fresh out of college and just beginning his journey to financial independence, while Mindy and her husband were well on their way to FIRE and had just launched their blog, 1,500 Days, to document their progress. But if they were starting over today, would they change anything?  Welcome back to the BiggerPockets Money podcast! In today’s episode, Scott and Mindy are winding back the clock ten years and sharing what they would do differently if they were beginning their FI journey in 2024. Spoiler alert: they wouldn’t have changed very much regarding the fundamentals of frugality, saving money, and investing. But, as you’re about to find out, they would make some MAJOR tactical changes, and they even have a few regrets about not spending money!  Whether you’re brand new to FIRE or are already on track for financial freedom, you don’t want to miss this episode! You’ll learn about the real estate investing strategy Scott would prioritize in]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>555: Retiring Early Before 30 and Why You DON&#8217;T Need Millions for FIRE</title>
	<link>https://biggerpocketsmoney.com/podcast/555-retiring-early-before-30-and-why-you-dont-need-millions-for-fire/</link>
	<pubDate>Fri, 16 Aug 2024 06:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">0729fe20-890a-11ee-9bfd-e374b4114a1f</guid>
	<description><![CDATA[This might be the fastest path to FIRE we’ve ever seen. In just two years, Emily and James were able to retire early and travel the world full-time. They didn’t have a trust fund, some huge inheritance, or a winning lottery ticket. But they did make some serious sacrifices, cutting almost everything unnecessary out of their lives to retire early and quit the jobs they were itching to get out of. How’d they do it?  After realizing they were throwing away every cent they made, James stumbled upon a popular personal finance blog. He devoured it that day at work and came home a changed man. The AC temperature was going up, the restaurant expenses were going down, and he was deadset on achieving financial freedom. His wife, Emily, needed some convincing. But, with time, they both became locked in on FIRE. They moved to a cheaper house, rode bikes to work, and rarely ate out anymore.  Just two years after discovering FIRE, they achieved it, and they did it without millions of dollars in the bank. And here’s the thing: you might be able to do it, too, IF you’re willing to put in the work. How much money are they living on? How did they cut their expenses so significantly? And how do you convince your partner or spouse to follow you on the path to financial independence? Emily and James are showing you how in today’s episode!  00:00 Intro 01:21 Poverty to Overspending 06:12 Convincing Your Spouse on FI 09:09 0% to 85% Savings Rate  16:30 Buying $50K Rentals 23:29 Retiring on $31K/Year 29:40 The Secret to FIRE 32:43 Are They Still Retired?  34:36 Advice for Finding FIRE  36:24 Connect with James and Emily!  37:19 Use These FIRE Tips   Check out more resources from this show on BiggerPockets.com and https://www.biggerpockets.com/blog/money-555  Interested in learning more about today’s sponsors or becoming a BiggerPockets partner yourself? Email advertise@biggerpockets.com]]></description>
	<itunes:subtitle><![CDATA[This might be the fastest path to FIRE we’ve ever seen. In just two years, Emily and James were able to retire early and travel the world full-time. They didn’t have a trust fund, some huge inheritance, or a winning lottery ticket. But they did make some]]></itunes:subtitle>
	<content:encoded><![CDATA[This might be the fastest path to FIRE we’ve ever seen. In just two years, Emily and James were able to retire early and travel the world full-time. They didn’t have a trust fund, some huge inheritance, or a winning lottery ticket. But they did make some serious sacrifices, cutting almost everything unnecessary out of their lives to retire early and quit the jobs they were itching to get out of. How’d they do it?  After realizing they were throwing away every cent they made, James stumbled upon a popular personal finance blog. He devoured it that day at work and came home a changed man. The AC temperature was going up, the restaurant expenses were going down, and he was deadset on achieving financial freedom. His wife, Emily, needed some convincing. But, with time, they both became locked in on FIRE. They moved to a cheaper house, rode bikes to work, and rarely ate out anymore.  Just two years after discovering FIRE, they achieved it, and they did it without millions of dollars in the bank. And here’s the thing: you might be able to do it, too, IF you’re willing to put in the work. How much money are they living on? How did they cut their expenses so significantly? And how do you convince your partner or spouse to follow you on the path to financial independence? Emily and James are showing you how in today’s episode!  00:00 Intro 01:21 Poverty to Overspending 06:12 Convincing Your Spouse on FI 09:09 0% to 85% Savings Rate  16:30 Buying $50K Rentals 23:29 Retiring on $31K/Year 29:40 The Secret to FIRE 32:43 Are They Still Retired?  34:36 Advice for Finding FIRE  36:24 Connect with James and Emily!  37:19 Use These FIRE Tips   Check out more resources from this show on BiggerPockets.com and https://www.biggerpockets.com/blog/money-555  Interested in learning more about today’s sponsors or becoming a BiggerPockets partner yourself? Email advertise@biggerpockets.com]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC6253504460.mp3" length="65892916" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[This might be the fastest path to FIRE we’ve ever seen. In just two years, Emily and James were able to retire early and travel the world full-time. They didn’t have a trust fund, some huge inheritance, or a winning lottery ticket. But they did make some serious sacrifices, cutting almost everything unnecessary out of their lives to retire early and quit the jobs they were itching to get out of. How’d they do it?  After realizing they were throwing away every cent they made, James stumbled upon a popular personal finance blog. He devoured it that day at work and came home a changed man. The AC temperature was going up, the restaurant expenses were going down, and he was deadset on achieving financial freedom. His wife, Emily, needed some convincing. But, with time, they both became locked in on FIRE. They moved to a cheaper house, rode bikes to work, and rarely ate out anymore.  Just two years after discovering FIRE, they achieved it, and they did it without millions of dollars in the bank. And here’s the thing: you might be able to do it, too, IF you’re willing to put in the work. How much money are they living on? How did they cut their expenses so significantly? And how do you convince your partner or spouse to follow you on the path to financial independence? Emily and James are showing you how in today’s episode!  00:00 Intro 01:21 Poverty to Overspending 06:12 Convincing Your Spouse on FI 09:09 0% to 85% Savings Rate  16:30 Buying $50K Rentals 23:29 Retiring on $31K/Year 29:40 The Secret to FIRE 32:43 Are They Still Retired?  34:36 Advice for Finding FIRE  36:24 Connect with James and Emily!  37:19 Use These FIRE Tips   Check out more resources from this show on BiggerPockets.com and https://www.biggerpockets.com/blog/money-555  Interested in learning more about today’s sponsors or becoming a BiggerPockets partner yourself? Email advertise@biggerpockets.com]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[This might be the fastest path to FIRE we’ve ever seen. In just two years, Emily and James were able to retire early and travel the world full-time. They didn’t have a trust fund, some huge inheritance, or a winning lottery ticket. But they did make some serious sacrifices, cutting almost everything unnecessary out of their lives to retire early and quit the jobs they were itching to get out of. How’d they do it?  After realizing they were throwing away every cent they made, James stumbled upon a popular personal finance blog. He devoured it that day at work and came home a changed man. The AC temperature was going up, the restaurant expenses were going down, and he was deadset on achieving financial freedom. His wife, Emily, needed some convincing. But, with time, they both became locked in on FIRE. They moved to a cheaper house, rode bikes to work, and rarely ate out anymore.  Just two years after discovering FIRE, they achieved it, and they did it without millions of dollars in the]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>554: Should I Pay Off My Mortgage or Invest? (We Did the Math)</title>
	<link>https://biggerpocketsmoney.com/podcast/554-should-i-pay-off-my-mortgage-or-invest-we-did-the-math/</link>
	<pubDate>Tue, 13 Aug 2024 06:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">0555e0d2-890a-11ee-9bfd-cb5bc1f6d639</guid>
	<description><![CDATA[Pay off your mortgage or invest? If you’re on the path to FIRE, you’ve probably asked yourself this question. Without a mortgage payment, you could put thousands more in your pocket every month, and your FIRE number would decrease significantly. On the other hand, investing all the money you could have spent on paying off your mortgage may allow you to build considerably more wealth and reach Fat FIRE with more assets to your name. So, which move do you make? Mindy and Scott are coming on to debate this common investing question. On team “Don’t pay it off!” is Mindy, who just recently made a six-figure profit by NOT paying off her mortgage. How did she do it? Stick around to find out. Scott, who just bought his recent home in cash, is pro-paying off the mortgage (for some), as it may lead you to FIRE much faster than you thought. In this episode, Scott and Mindy discuss WHO should pay off their mortgage early, the pros and cons of investing vs. going debt-free, and why one move may be MUCH better for those closer to FIRE. Want more money for your future retirement? Sick of your job and want to quit quickly and retire on your terms? We’ve got options for BOTH!  In This Episode We Cover Whether you should pay off your mortgage early or invest instead How Mindy made a six-figure stock profit by NOT paying off her home Why paying off your low-interest rate mortgage may make sense EVEN in 2024 How those close to retirement can shave off a BIG portion of their FIRE number and retire now Whether you should keep cash in a high-yield savings account instead of paying down a low-rate mortgage Other BIG cost-saving benefits of paying off your mortgage early And So Much More!  Links from the Show BiggerPockets Money Facebook Group Network with Other Investors on The Path to FIRE Through the BiggerPockets Forums Finance Review Guest Onboarding Join BiggerPockets for FREE Mindy on BiggerPockets Listen to All Your Favorite BiggerPockets Podcasts in One Place Apply to Be a Guest on The Money Show Podcast Talent Search! Find an Investor-Friendly Agent in Your Area Find Investor-Friendly Lenders BiggerPockets Money Group BiggerPockets Money 543 - How the “Middle-Class Trap” Stops Your Early Retirement   00:00 Intro 01:27 Why You SHOULDN’T Pay It Off 05:35 Why You SHOULD Pay it Off  15:07 Keep Cash in the Bank? 20:54 Big Benefits of Paying it Off  27:51 What Would You Do? 29:29 Scared of Stock Performance?   Check out more resources from this show on BiggerPockets.com and https://www.biggerpockets.com/blog/money-554  Interested in learning more about today’s sponsors or becoming a BiggerPockets partner yourself? Email advertise@biggerpockets.com.]]></description>
	<itunes:subtitle><![CDATA[Pay off your mortgage or invest? If you’re on the path to FIRE, you’ve probably asked yourself this question. Without a mortgage payment, you could put thousands more in your pocket every month, and your FIRE number would decrease significantly. On the o]]></itunes:subtitle>
	<content:encoded><![CDATA[Pay off your mortgage or invest? If you’re on the path to FIRE, you’ve probably asked yourself this question. Without a mortgage payment, you could put thousands more in your pocket every month, and your FIRE number would decrease significantly. On the other hand, investing all the money you could have spent on paying off your mortgage may allow you to build considerably more wealth and reach Fat FIRE with more assets to your name. So, which move do you make? Mindy and Scott are coming on to debate this common investing question. On team “Don’t pay it off!” is Mindy, who just recently made a six-figure profit by NOT paying off her mortgage. How did she do it? Stick around to find out. Scott, who just bought his recent home in cash, is pro-paying off the mortgage (for some), as it may lead you to FIRE much faster than you thought. In this episode, Scott and Mindy discuss WHO should pay off their mortgage early, the pros and cons of investing vs. going debt-free, and why one move may be MUCH better for those closer to FIRE. Want more money for your future retirement? Sick of your job and want to quit quickly and retire on your terms? We’ve got options for BOTH!  In This Episode We Cover Whether you should pay off your mortgage early or invest instead How Mindy made a six-figure stock profit by NOT paying off her home Why paying off your low-interest rate mortgage may make sense EVEN in 2024 How those close to retirement can shave off a BIG portion of their FIRE number and retire now Whether you should keep cash in a high-yield savings account instead of paying down a low-rate mortgage Other BIG cost-saving benefits of paying off your mortgage early And So Much More!  Links from the Show BiggerPockets Money Facebook Group Network with Other Investors on The Path to FIRE Through the BiggerPockets Forums Finance Review Guest Onboarding Join BiggerPockets for FREE Mindy on BiggerPockets Listen to All Your Favorite BiggerPockets Podcasts in One Place Apply to Be a Guest on The Money Show Podcast Talent Search! Find an Investor-Friendly Agent in Your Area Find Investor-Friendly Lenders BiggerPockets Money Group BiggerPockets Money 543 - How the “Middle-Class Trap” Stops Your Early Retirement   00:00 Intro 01:27 Why You SHOULDN’T Pay It Off 05:35 Why You SHOULD Pay it Off  15:07 Keep Cash in the Bank? 20:54 Big Benefits of Paying it Off  27:51 What Would You Do? 29:29 Scared of Stock Performance?   Check out more resources from this show on BiggerPockets.com and https://www.biggerpockets.com/blog/money-554  Interested in learning more about today’s sponsors or becoming a BiggerPockets partner yourself? Email advertise@biggerpockets.com.]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC7712490506.mp3" length="55624548" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[Pay off your mortgage or invest? If you’re on the path to FIRE, you’ve probably asked yourself this question. Without a mortgage payment, you could put thousands more in your pocket every month, and your FIRE number would decrease significantly. On the other hand, investing all the money you could have spent on paying off your mortgage may allow you to build considerably more wealth and reach Fat FIRE with more assets to your name. So, which move do you make? Mindy and Scott are coming on to debate this common investing question. On team “Don’t pay it off!” is Mindy, who just recently made a six-figure profit by NOT paying off her mortgage. How did she do it? Stick around to find out. Scott, who just bought his recent home in cash, is pro-paying off the mortgage (for some), as it may lead you to FIRE much faster than you thought. In this episode, Scott and Mindy discuss WHO should pay off their mortgage early, the pros and cons of investing vs. going debt-free, and why one move may be MUCH better for those closer to FIRE. Want more money for your future retirement? Sick of your job and want to quit quickly and retire on your terms? We’ve got options for BOTH!  In This Episode We Cover Whether you should pay off your mortgage early or invest instead How Mindy made a six-figure stock profit by NOT paying off her home Why paying off your low-interest rate mortgage may make sense EVEN in 2024 How those close to retirement can shave off a BIG portion of their FIRE number and retire now Whether you should keep cash in a high-yield savings account instead of paying down a low-rate mortgage Other BIG cost-saving benefits of paying off your mortgage early And So Much More!  Links from the Show BiggerPockets Money Facebook Group Network with Other Investors on The Path to FIRE Through the BiggerPockets Forums Finance Review Guest Onboarding Join BiggerPockets for FREE Mindy on BiggerPockets Listen to All Your Favorite BiggerPockets Podcasts in One Place Apply to Be a Guest on The Money Show Podcast Talent Search! Find an Investor-Friendly Agent in Your Area Find Investor-Friendly Lenders BiggerPockets Money Group BiggerPockets Money 543 - How the “Middle-Class Trap” Stops Your Early Retirement   00:00 Intro 01:27 Why You SHOULDN’T Pay It Off 05:35 Why You SHOULD Pay it Off  15:07 Keep Cash in the Bank? 20:54 Big Benefits of Paying it Off  27:51 What Would You Do? 29:29 Scared of Stock Performance?   Check out more resources from this show on BiggerPockets.com and https://www.biggerpockets.com/blog/money-554  Interested in learning more about today’s sponsors or becoming a BiggerPockets partner yourself? Email advertise@biggerpockets.com.]]></itunes:summary>
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	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[Pay off your mortgage or invest? If you’re on the path to FIRE, you’ve probably asked yourself this question. Without a mortgage payment, you could put thousands more in your pocket every month, and your FIRE number would decrease significantly. On the other hand, investing all the money you could have spent on paying off your mortgage may allow you to build considerably more wealth and reach Fat FIRE with more assets to your name. So, which move do you make? Mindy and Scott are coming on to debate this common investing question. On team “Don’t pay it off!” is Mindy, who just recently made a six-figure profit by NOT paying off her mortgage. How did she do it? Stick around to find out. Scott, who just bought his recent home in cash, is pro-paying off the mortgage (for some), as it may lead you to FIRE much faster than you thought. In this episode, Scott and Mindy discuss WHO should pay off their mortgage early, the pros and cons of investing vs. going debt-free, and why one move may be]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
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<item>
	<title>553: $100K by 23, Coast FI by 27 Thanks to One Smart Money Challenge</title>
	<link>https://biggerpocketsmoney.com/podcast/553-100k-by-23-coast-fi-by-27-thanks-to-one-smart-money-challenge/</link>
	<pubDate>Fri, 09 Aug 2024 06:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">06cc0996-890a-11ee-9bfd-5b2a9691f0e2</guid>
	<description><![CDATA[Once you hit Coast FI, you don’t need to worry about retirement. While traditional FIRE may take a bit more extra work, Coast FI allows you to let your foot off the gas and enjoy life NOW, knowing that you’ll be set for retirement by the time you’re sixty-five. Lisa hit her coast FI number at the (very) young age of twenty-seven, and she will have millions of dollars waiting for her in retirement, even if she stops investing now. How’d she do it so quickly?  When her father challenged her to save $100K by age twenty-five, Lisa said, “Why not!” She hit the goal—actually, she got there two years earlier! After much saving and significant sacrifice, Lisa had a six-figure net worth in her early twenties. From there, she began heavily investing in her retirement accounts, which now boast over a quarter of a million dollars, and she’s on track to have half a million at thirty!  How did Lisa get so far ahead of the average twenty-seven-year-old, and what can you teach your kids, grandkids, nephews, nieces, or siblings to get them on the same path? Tune in because Lisa shares how to save $100K, the easiest way to invest for retirement, the tax-free account that will make your future self rich, and her best advice for growing wealth at a young age.  Support today’s show sponsor, BAM Capital, your path to generational wealth with premier real estate investment opportunities!   In This Episode We Cover How to save $100K in just a few years (even if you’re starting your career) The tax-free retirement account you can’t afford to overlook Coast FI 101 and how to hit it early so you can enjoy spending again The sacrifice of saving and whether or not it’s worth it to go fully frugal Index fund investing and why it’s one of the easiest ways to start investing Lisa’s retirement portfolio and exactly what she’s investing in now And So Much More!  Links from the Show BiggerPockets Money Facebook Group Network with Other Investors on The Path to FIRE Through the BiggerPockets Forums Finance Review Guest Onboarding Join BiggerPockets for FREE Mindy on BiggerPockets Scott on BiggePockets Listen to All Your Favorite BiggerPockets Podcasts in One Place Apply to Be a Guest on The Money Show Podcast Talent Search! Find an Investor-Friendly Agent in Your Area Find Investor-Friendly Lenders Connect with Amanda The Simple Path to Wealth—Index Funds Explained with JL Collins See Mindy at BPCON2024 in Cancun! BiggerPockets Money 124 - Starting From $0 at Age 35 as a Teacher and Becoming ‘The Millionaire Educator’  00:00 Intro 01:37 Early Financial Education 03:53 $100K by 25 Challenge  07:08 Sacrificing to Save  10:26 Current Salary and Spending  13:13 What She Invests In  15:15 Coast FI at 27 21:45 Save Your First $100K! 24:56 Follow Her Lead!   Check out more resources from this show on BiggerPockets.com and https://www.biggerpockets.com/blog/money-553  Interested in learning more about today’s sponsors or becoming a BiggerPockets partner yourself? Email advertise@biggerpockets.com]]></description>
	<itunes:subtitle><![CDATA[Once you hit Coast FI, you don’t need to worry about retirement. While traditional FIRE may take a bit more extra work, Coast FI allows you to let your foot off the gas and enjoy life NOW, knowing that you’ll be set for retirement by the time you’re sixt]]></itunes:subtitle>
	<content:encoded><![CDATA[Once you hit Coast FI, you don’t need to worry about retirement. While traditional FIRE may take a bit more extra work, Coast FI allows you to let your foot off the gas and enjoy life NOW, knowing that you’ll be set for retirement by the time you’re sixty-five. Lisa hit her coast FI number at the (very) young age of twenty-seven, and she will have millions of dollars waiting for her in retirement, even if she stops investing now. How’d she do it so quickly?  When her father challenged her to save $100K by age twenty-five, Lisa said, “Why not!” She hit the goal—actually, she got there two years earlier! After much saving and significant sacrifice, Lisa had a six-figure net worth in her early twenties. From there, she began heavily investing in her retirement accounts, which now boast over a quarter of a million dollars, and she’s on track to have half a million at thirty!  How did Lisa get so far ahead of the average twenty-seven-year-old, and what can you teach your kids, grandkids, nephews, nieces, or siblings to get them on the same path? Tune in because Lisa shares how to save $100K, the easiest way to invest for retirement, the tax-free account that will make your future self rich, and her best advice for growing wealth at a young age.  Support today’s show sponsor, BAM Capital, your path to generational wealth with premier real estate investment opportunities!   In This Episode We Cover How to save $100K in just a few years (even if you’re starting your career) The tax-free retirement account you can’t afford to overlook Coast FI 101 and how to hit it early so you can enjoy spending again The sacrifice of saving and whether or not it’s worth it to go fully frugal Index fund investing and why it’s one of the easiest ways to start investing Lisa’s retirement portfolio and exactly what she’s investing in now And So Much More!  Links from the Show BiggerPockets Money Facebook Group Network with Other Investors on The Path to FIRE Through the BiggerPockets Forums Finance Review Guest Onboarding Join BiggerPockets for FREE Mindy on BiggerPockets Scott on BiggePockets Listen to All Your Favorite BiggerPockets Podcasts in One Place Apply to Be a Guest on The Money Show Podcast Talent Search! Find an Investor-Friendly Agent in Your Area Find Investor-Friendly Lenders Connect with Amanda The Simple Path to Wealth—Index Funds Explained with JL Collins See Mindy at BPCON2024 in Cancun! BiggerPockets Money 124 - Starting From $0 at Age 35 as a Teacher and Becoming ‘The Millionaire Educator’  00:00 Intro 01:37 Early Financial Education 03:53 $100K by 25 Challenge  07:08 Sacrificing to Save  10:26 Current Salary and Spending  13:13 What She Invests In  15:15 Coast FI at 27 21:45 Save Your First $100K! 24:56 Follow Her Lead!   Check out more resources from this show on BiggerPockets.com and https://www.biggerpockets.com/blog/money-553  Interested in learning more about today’s sponsors or becoming a BiggerPockets partner yourself? Email advertise@biggerpockets.com]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC9591398884.mp3" length="53803269" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[Once you hit Coast FI, you don’t need to worry about retirement. While traditional FIRE may take a bit more extra work, Coast FI allows you to let your foot off the gas and enjoy life NOW, knowing that you’ll be set for retirement by the time you’re sixty-five. Lisa hit her coast FI number at the (very) young age of twenty-seven, and she will have millions of dollars waiting for her in retirement, even if she stops investing now. How’d she do it so quickly?  When her father challenged her to save $100K by age twenty-five, Lisa said, “Why not!” She hit the goal—actually, she got there two years earlier! After much saving and significant sacrifice, Lisa had a six-figure net worth in her early twenties. From there, she began heavily investing in her retirement accounts, which now boast over a quarter of a million dollars, and she’s on track to have half a million at thirty!  How did Lisa get so far ahead of the average twenty-seven-year-old, and what can you teach your kids, grandkids, nephews, nieces, or siblings to get them on the same path? Tune in because Lisa shares how to save $100K, the easiest way to invest for retirement, the tax-free account that will make your future self rich, and her best advice for growing wealth at a young age.  Support today’s show sponsor, BAM Capital, your path to generational wealth with premier real estate investment opportunities!   In This Episode We Cover How to save $100K in just a few years (even if you’re starting your career) The tax-free retirement account you can’t afford to overlook Coast FI 101 and how to hit it early so you can enjoy spending again The sacrifice of saving and whether or not it’s worth it to go fully frugal Index fund investing and why it’s one of the easiest ways to start investing Lisa’s retirement portfolio and exactly what she’s investing in now And So Much More!  Links from the Show BiggerPockets Money Facebook Group Network with Other Investors on The Path to FIRE Through the BiggerPockets Forums Finance Review Guest Onboarding Join BiggerPockets for FREE Mindy on BiggerPockets Scott on BiggePockets Listen to All Your Favorite BiggerPockets Podcasts in One Place Apply to Be a Guest on The Money Show Podcast Talent Search! Find an Investor-Friendly Agent in Your Area Find Investor-Friendly Lenders Connect with Amanda The Simple Path to Wealth—Index Funds Explained with JL Collins See Mindy at BPCON2024 in Cancun! BiggerPockets Money 124 - Starting From $0 at Age 35 as a Teacher and Becoming ‘The Millionaire Educator’  00:00 Intro 01:37 Early Financial Education 03:53 $100K by 25 Challenge  07:08 Sacrificing to Save  10:26 Current Salary and Spending  13:13 What She Invests In  15:15 Coast FI at 27 21:45 Save Your First $100K! 24:56 Follow Her Lead!   Check out more resources from this show on BiggerPockets.com and https://www.biggerpockets.com/blog/money-553  Interested in learning more about today’s sponsors or becoming a BiggerPockets partner yourself? Email advertise@biggerpockets.com]]></itunes:summary>
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	<itunes:block>no</itunes:block>
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	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[Once you hit Coast FI, you don’t need to worry about retirement. While traditional FIRE may take a bit more extra work, Coast FI allows you to let your foot off the gas and enjoy life NOW, knowing that you’ll be set for retirement by the time you’re sixty-five. Lisa hit her coast FI number at the (very) young age of twenty-seven, and she will have millions of dollars waiting for her in retirement, even if she stops investing now. How’d she do it so quickly?  When her father challenged her to save $100K by age twenty-five, Lisa said, “Why not!” She hit the goal—actually, she got there two years earlier! After much saving and significant sacrifice, Lisa had a six-figure net worth in her early twenties. From there, she began heavily investing in her retirement accounts, which now boast over a quarter of a million dollars, and she’s on track to have half a million at thirty!  How did Lisa get so far ahead of the average twenty-seven-year-old, and what can you teach your kids, grandkids, n]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>552: From Making $40K/Year as a Teacher to Reaching FI in 4 Years by Doing THIS</title>
	<link>https://biggerpocketsmoney.com/podcast/552-from-making-40k-year-as-a-teacher-to-reaching-fi-in-4-years-by-doing-this/</link>
	<pubDate>Tue, 06 Aug 2024 06:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">04c47a16-890a-11ee-9bfd-071309a519ba</guid>
	<description><![CDATA[You can take your time to reach financial independence, but why wait? With a combination of hard work, savvy investing, and additional income streams, today’s guest reached FI by the age of twenty-eight. In this episode, she provides the blueprint that teachers and other middle-class workers can use to fast-track their financial goals!  Welcome back to the BiggerPockets Money podcast! Today, Brooke Coughlin is a business owner, real estate agent, investor, and author. But, just FOUR years ago, she was a seventh-grade teacher earning a $40,000 salary. The key to her rapid success? Brooke’s workday starts at 5 a.m. and ends well after 10 p.m. This relentless work ethic has helped her build a successful cleaning business, sell over $100 million worth of real estate, and pen her very own book!  Now, working from sunup to sundown isn’t for everyone. Perhaps you just want a reasonable nest egg for a comfortable retirement or some money to pass down to your children. Whatever your financial goals, there are all kinds of helpful nuggets to take away from today’s episode. You’ll learn about the first steps of entrepreneurship, how to build a business or side hustle alongside your W2 job, and how to become financially free from any starting point!  Support today’s show sponsor, BAM Capital, your path to generational wealth with premier real estate investment opportunities!   In This Episode We Cover How Brooke went from a $40,000 salary to financial independence in FOUR years The BEST ways to increase your income while working a nine-to-five job What teachers should do today to build a nest egg for retirement The first steps you must take to become a successful entrepreneur How to build a real estate business that allows you to leave your W2 job And So Much More!  Links from the Show BiggerPockets Money Facebook Group Network with Other Investors on The Path to FIRE Through the BiggerPockets Forums Finance Review Guest Onboarding Join BiggerPockets for FREE Mindy on BiggerPockets Scott on BiggePockets Listen to All Your Favorite BiggerPockets Podcasts in One Place Apply to Be a Guest on The Money Show Podcast Talent Search! Find an Investor-Friendly Agent in Your Area Find Investor-Friendly Lenders Property Manager Finder Connect with Brooke on Instagram Preorder Brooke’s Book, “She Closes Deals”  00:00 Intro 00:58 Supercharging Her Income 09:49 Juggling a HEAVY Workload 12:00 Brooke’s Real Estate Portfolio 16:03 What’s Brooke’s End Goal? 25:06 Connect with Brooke! 25:50 Start Building Your Nest Egg!																																																																																											  Check out more resources from this show on BiggerPockets.com and https://www.biggerpockets.com/blog/money-522  Interested in learning more about today’s sponsors or becoming a BiggerPockets partner yourself? Email advertise@biggerpockets.com]]></description>
	<itunes:subtitle><![CDATA[You can take your time to reach financial independence, but why wait? With a combination of hard work, savvy investing, and additional income streams, today’s guest reached FI by the age of twenty-eight. In this episode, she provides the blueprint that t]]></itunes:subtitle>
	<content:encoded><![CDATA[You can take your time to reach financial independence, but why wait? With a combination of hard work, savvy investing, and additional income streams, today’s guest reached FI by the age of twenty-eight. In this episode, she provides the blueprint that teachers and other middle-class workers can use to fast-track their financial goals!  Welcome back to the BiggerPockets Money podcast! Today, Brooke Coughlin is a business owner, real estate agent, investor, and author. But, just FOUR years ago, she was a seventh-grade teacher earning a $40,000 salary. The key to her rapid success? Brooke’s workday starts at 5 a.m. and ends well after 10 p.m. This relentless work ethic has helped her build a successful cleaning business, sell over $100 million worth of real estate, and pen her very own book!  Now, working from sunup to sundown isn’t for everyone. Perhaps you just want a reasonable nest egg for a comfortable retirement or some money to pass down to your children. Whatever your financial goals, there are all kinds of helpful nuggets to take away from today’s episode. You’ll learn about the first steps of entrepreneurship, how to build a business or side hustle alongside your W2 job, and how to become financially free from any starting point!  Support today’s show sponsor, BAM Capital, your path to generational wealth with premier real estate investment opportunities!   In This Episode We Cover How Brooke went from a $40,000 salary to financial independence in FOUR years The BEST ways to increase your income while working a nine-to-five job What teachers should do today to build a nest egg for retirement The first steps you must take to become a successful entrepreneur How to build a real estate business that allows you to leave your W2 job And So Much More!  Links from the Show BiggerPockets Money Facebook Group Network with Other Investors on The Path to FIRE Through the BiggerPockets Forums Finance Review Guest Onboarding Join BiggerPockets for FREE Mindy on BiggerPockets Scott on BiggePockets Listen to All Your Favorite BiggerPockets Podcasts in One Place Apply to Be a Guest on The Money Show Podcast Talent Search! Find an Investor-Friendly Agent in Your Area Find Investor-Friendly Lenders Property Manager Finder Connect with Brooke on Instagram Preorder Brooke’s Book, “She Closes Deals”  00:00 Intro 00:58 Supercharging Her Income 09:49 Juggling a HEAVY Workload 12:00 Brooke’s Real Estate Portfolio 16:03 What’s Brooke’s End Goal? 25:06 Connect with Brooke! 25:50 Start Building Your Nest Egg!																																																																																											  Check out more resources from this show on BiggerPockets.com and https://www.biggerpockets.com/blog/money-522  Interested in learning more about today’s sponsors or becoming a BiggerPockets partner yourself? Email advertise@biggerpockets.com]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC4521475930.mp3" length="62494703" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[You can take your time to reach financial independence, but why wait? With a combination of hard work, savvy investing, and additional income streams, today’s guest reached FI by the age of twenty-eight. In this episode, she provides the blueprint that teachers and other middle-class workers can use to fast-track their financial goals!  Welcome back to the BiggerPockets Money podcast! Today, Brooke Coughlin is a business owner, real estate agent, investor, and author. But, just FOUR years ago, she was a seventh-grade teacher earning a $40,000 salary. The key to her rapid success? Brooke’s workday starts at 5 a.m. and ends well after 10 p.m. This relentless work ethic has helped her build a successful cleaning business, sell over $100 million worth of real estate, and pen her very own book!  Now, working from sunup to sundown isn’t for everyone. Perhaps you just want a reasonable nest egg for a comfortable retirement or some money to pass down to your children. Whatever your financial goals, there are all kinds of helpful nuggets to take away from today’s episode. You’ll learn about the first steps of entrepreneurship, how to build a business or side hustle alongside your W2 job, and how to become financially free from any starting point!  Support today’s show sponsor, BAM Capital, your path to generational wealth with premier real estate investment opportunities!   In This Episode We Cover How Brooke went from a $40,000 salary to financial independence in FOUR years The BEST ways to increase your income while working a nine-to-five job What teachers should do today to build a nest egg for retirement The first steps you must take to become a successful entrepreneur How to build a real estate business that allows you to leave your W2 job And So Much More!  Links from the Show BiggerPockets Money Facebook Group Network with Other Investors on The Path to FIRE Through the BiggerPockets Forums Finance Review Guest Onboarding Join BiggerPockets for FREE Mindy on BiggerPockets Scott on BiggePockets Listen to All Your Favorite BiggerPockets Podcasts in One Place Apply to Be a Guest on The Money Show Podcast Talent Search! Find an Investor-Friendly Agent in Your Area Find Investor-Friendly Lenders Property Manager Finder Connect with Brooke on Instagram Preorder Brooke’s Book, “She Closes Deals”  00:00 Intro 00:58 Supercharging Her Income 09:49 Juggling a HEAVY Workload 12:00 Brooke’s Real Estate Portfolio 16:03 What’s Brooke’s End Goal? 25:06 Connect with Brooke! 25:50 Start Building Your Nest Egg!																																																																																											  Check out more resources from this show on BiggerPockets.com and https://www.biggerpockets.com/blog/money-522  Interested in learning more about today’s sponsors or becoming a BiggerPockets partner yourself? Email advertise@biggerpockets.com]]></itunes:summary>
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	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[You can take your time to reach financial independence, but why wait? With a combination of hard work, savvy investing, and additional income streams, today’s guest reached FI by the age of twenty-eight. In this episode, she provides the blueprint that teachers and other middle-class workers can use to fast-track their financial goals!  Welcome back to the BiggerPockets Money podcast! Today, Brooke Coughlin is a business owner, real estate agent, investor, and author. But, just FOUR years ago, she was a seventh-grade teacher earning a $40,000 salary. The key to her rapid success? Brooke’s workday starts at 5 a.m. and ends well after 10 p.m. This relentless work ethic has helped her build a successful cleaning business, sell over $100 million worth of real estate, and pen her very own book!  Now, working from sunup to sundown isn’t for everyone. Perhaps you just want a reasonable nest egg for a comfortable retirement or some money to pass down to your children. Whatever your financial ]]></googleplay:description>
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<item>
	<title>BiggerPockets Real Estate 2.0 &#8211; A New Era of the Podcast</title>
	<link>https://biggerpocketsmoney.com/podcast/biggerpockets-real-estate-2-0-a-new-era-of-the-podcast/</link>
	<pubDate>Mon, 05 Aug 2024 09:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
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	<description><![CDATA[The BiggerPockets Real Estate Podcast is about to hit a huge milestone—our 1,000th episode! Real estate has changed quite a bit since we started this podcast, so we’re making some changes, too.     We’re bringing on new guests and new formats while focusing on investing tactics and strategies that work in TODAY’s housing market. Oh, and did we mention fewer ads, too?    We’re still delivering the time-tested knowledge, inspiration, and news you expect from the BiggerPockets Real Estate Podcast so YOU can work towards financial freedom, no matter the market conditions.    Join Dave Meyer, our new host, for our 1,000th episode, and tune in on Mondays, Wednesdays, and Fridays to learn how YOU can reach financial independence through real estate!    Hit “Follow” to never miss an episode!]]></description>
	<itunes:subtitle><![CDATA[The BiggerPockets Real Estate Podcast is about to hit a huge milestone—our 1,000th episode! Real estate has changed quite a bit since we started this podcast, so we’re making some changes, too.     We’re bringing on new guests and new formats while focus]]></itunes:subtitle>
	<content:encoded><![CDATA[The BiggerPockets Real Estate Podcast is about to hit a huge milestone—our 1,000th episode! Real estate has changed quite a bit since we started this podcast, so we’re making some changes, too.     We’re bringing on new guests and new formats while focusing on investing tactics and strategies that work in TODAY’s housing market. Oh, and did we mention fewer ads, too?    We’re still delivering the time-tested knowledge, inspiration, and news you expect from the BiggerPockets Real Estate Podcast so YOU can work towards financial freedom, no matter the market conditions.    Join Dave Meyer, our new host, for our 1,000th episode, and tune in on Mondays, Wednesdays, and Fridays to learn how YOU can reach financial independence through real estate!    Hit “Follow” to never miss an episode!]]></content:encoded>
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	<itunes:summary><![CDATA[The BiggerPockets Real Estate Podcast is about to hit a huge milestone—our 1,000th episode! Real estate has changed quite a bit since we started this podcast, so we’re making some changes, too.     We’re bringing on new guests and new formats while focusing on investing tactics and strategies that work in TODAY’s housing market. Oh, and did we mention fewer ads, too?    We’re still delivering the time-tested knowledge, inspiration, and news you expect from the BiggerPockets Real Estate Podcast so YOU can work towards financial freedom, no matter the market conditions.    Join Dave Meyer, our new host, for our 1,000th episode, and tune in on Mondays, Wednesdays, and Fridays to learn how YOU can reach financial independence through real estate!    Hit “Follow” to never miss an episode!]]></itunes:summary>
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	<itunes:block>no</itunes:block>
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	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[The BiggerPockets Real Estate Podcast is about to hit a huge milestone—our 1,000th episode! Real estate has changed quite a bit since we started this podcast, so we’re making some changes, too.     We’re bringing on new guests and new formats while focusing on investing tactics and strategies that work in TODAY’s housing market. Oh, and did we mention fewer ads, too?    We’re still delivering the time-tested knowledge, inspiration, and news you expect from the BiggerPockets Real Estate Podcast so YOU can work towards financial freedom, no matter the market conditions.    Join Dave Meyer, our new host, for our 1,000th episode, and tune in on Mondays, Wednesdays, and Fridays to learn how YOU can reach financial independence through real estate!    Hit “Follow” to never miss an episode!]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
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<item>
	<title>551: Retired Early at 44 by Buying These &#8220;Boring&#8221; Investments</title>
	<link>https://biggerpocketsmoney.com/podcast/551-retired-early-at-44-by-buying-these-boring-investments/</link>
	<pubDate>Fri, 02 Aug 2024 06:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">066e34a6-890a-11ee-9bfd-a32f2ac22e4e</guid>
	<description><![CDATA[Todd retired early at age forty-four, just three years after discovering the FIRE movement. The most interesting part? He quit without reaching his FIRE number. That’s right. After realizing he couldn’t go one more day working his job, he quit, even without the perfect amount of money on the sidelines. Did he survive in the FIRE life, or did he eventually have to return to work to rebuild his portfolio? Stick around and find out!  Although Todd made a good income, he spent most of it on his lifestyle. As his family’s sole provider, every expense took away from his income, leaving him with a respectable but by no means large savings rate. One day, as Todd surfed the internet at work, he stumbled upon a financial independence blog post, and the rest was history! He chased FIRE ruthlessly for three years and eventually was able to retire on his terms.  If you’re looking to retire in your forties, quit your job, find financial freedom, or finally grow your savings, tune in for Todd’s advice. Even if you don’t have a high income, you can follow his cost-cutting, “boring” investing advice to achieve financial independence faster than you thought possible!  In This Episode We Cover The “boring” investments that lead you to financial independence and early retirement Coming up with your FIRE number and whether the 4% rule still works Getting richer in retirement and how to build wealth WITHOUT working How cutting your expenses will fast-track your path to early retirement Quitting your job and why you MUST prepare for life in retirement BEFORE you walk away from your salary And So Much More!  Links from the Show BiggerPockets Money Facebook Group Network with Other Investors on The Path to FIRE Through the BiggerPockets Forums Finance Review Guest Onboarding Join BiggerPockets for FREE Mindy on BiggerPockets Scott on BiggePockets Listen to All Your Favorite BiggerPockets Podcasts in One Place Apply to Be a Guest on The Money Show Podcast Talent Search! Find an Investor-Friendly Agent in Your Area Find Investor-Friendly Lenders Property Manager Finder Apply to Be a Finance Friday Guest Subscribe to The BiggerPockets Money YouTube Channel  Apply to Be a BiggerPockets Money Guest Apply to Be a Finance Review Guest Email mindy@biggerpockets.com for the 4% Rule Article or Todd’s Contact Information See Mindy at BPCON2024 in Cancun! How to Retire Early (From Someone Who Did at Age 27)  00:00 Intro 01:09 Finding the FIRE Movement 03:24 Getting His Wife on Board 04:38 His FIRE Number  05:32 FIRE Movement Myths  07:37 Getting Richer in Retirement  11:55 Quitting His Job! 13:14 Prepare for Post-FI!  Check out more resources from this show on BiggerPockets.com and https://www.biggerpockets.com/blog/money-551  Interested in learning more about today’s sponsors or becoming a BiggerPockets partner yourself? Email advertise@biggerpockets.com]]></description>
	<itunes:subtitle><![CDATA[Todd retired early at age forty-four, just three years after discovering the FIRE movement. The most interesting part? He quit without reaching his FIRE number. That’s right. After realizing he couldn’t go one more day working his job, he quit, even with]]></itunes:subtitle>
	<content:encoded><![CDATA[Todd retired early at age forty-four, just three years after discovering the FIRE movement. The most interesting part? He quit without reaching his FIRE number. That’s right. After realizing he couldn’t go one more day working his job, he quit, even without the perfect amount of money on the sidelines. Did he survive in the FIRE life, or did he eventually have to return to work to rebuild his portfolio? Stick around and find out!  Although Todd made a good income, he spent most of it on his lifestyle. As his family’s sole provider, every expense took away from his income, leaving him with a respectable but by no means large savings rate. One day, as Todd surfed the internet at work, he stumbled upon a financial independence blog post, and the rest was history! He chased FIRE ruthlessly for three years and eventually was able to retire on his terms.  If you’re looking to retire in your forties, quit your job, find financial freedom, or finally grow your savings, tune in for Todd’s advice. Even if you don’t have a high income, you can follow his cost-cutting, “boring” investing advice to achieve financial independence faster than you thought possible!  In This Episode We Cover The “boring” investments that lead you to financial independence and early retirement Coming up with your FIRE number and whether the 4% rule still works Getting richer in retirement and how to build wealth WITHOUT working How cutting your expenses will fast-track your path to early retirement Quitting your job and why you MUST prepare for life in retirement BEFORE you walk away from your salary And So Much More!  Links from the Show BiggerPockets Money Facebook Group Network with Other Investors on The Path to FIRE Through the BiggerPockets Forums Finance Review Guest Onboarding Join BiggerPockets for FREE Mindy on BiggerPockets Scott on BiggePockets Listen to All Your Favorite BiggerPockets Podcasts in One Place Apply to Be a Guest on The Money Show Podcast Talent Search! Find an Investor-Friendly Agent in Your Area Find Investor-Friendly Lenders Property Manager Finder Apply to Be a Finance Friday Guest Subscribe to The BiggerPockets Money YouTube Channel  Apply to Be a BiggerPockets Money Guest Apply to Be a Finance Review Guest Email mindy@biggerpockets.com for the 4% Rule Article or Todd’s Contact Information See Mindy at BPCON2024 in Cancun! How to Retire Early (From Someone Who Did at Age 27)  00:00 Intro 01:09 Finding the FIRE Movement 03:24 Getting His Wife on Board 04:38 His FIRE Number  05:32 FIRE Movement Myths  07:37 Getting Richer in Retirement  11:55 Quitting His Job! 13:14 Prepare for Post-FI!  Check out more resources from this show on BiggerPockets.com and https://www.biggerpockets.com/blog/money-551  Interested in learning more about today’s sponsors or becoming a BiggerPockets partner yourself? Email advertise@biggerpockets.com]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC3584696547.mp3" length="32923761" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[Todd retired early at age forty-four, just three years after discovering the FIRE movement. The most interesting part? He quit without reaching his FIRE number. That’s right. After realizing he couldn’t go one more day working his job, he quit, even without the perfect amount of money on the sidelines. Did he survive in the FIRE life, or did he eventually have to return to work to rebuild his portfolio? Stick around and find out!  Although Todd made a good income, he spent most of it on his lifestyle. As his family’s sole provider, every expense took away from his income, leaving him with a respectable but by no means large savings rate. One day, as Todd surfed the internet at work, he stumbled upon a financial independence blog post, and the rest was history! He chased FIRE ruthlessly for three years and eventually was able to retire on his terms.  If you’re looking to retire in your forties, quit your job, find financial freedom, or finally grow your savings, tune in for Todd’s advice. Even if you don’t have a high income, you can follow his cost-cutting, “boring” investing advice to achieve financial independence faster than you thought possible!  In This Episode We Cover The “boring” investments that lead you to financial independence and early retirement Coming up with your FIRE number and whether the 4% rule still works Getting richer in retirement and how to build wealth WITHOUT working How cutting your expenses will fast-track your path to early retirement Quitting your job and why you MUST prepare for life in retirement BEFORE you walk away from your salary And So Much More!  Links from the Show BiggerPockets Money Facebook Group Network with Other Investors on The Path to FIRE Through the BiggerPockets Forums Finance Review Guest Onboarding Join BiggerPockets for FREE Mindy on BiggerPockets Scott on BiggePockets Listen to All Your Favorite BiggerPockets Podcasts in One Place Apply to Be a Guest on The Money Show Podcast Talent Search! Find an Investor-Friendly Agent in Your Area Find Investor-Friendly Lenders Property Manager Finder Apply to Be a Finance Friday Guest Subscribe to The BiggerPockets Money YouTube Channel  Apply to Be a BiggerPockets Money Guest Apply to Be a Finance Review Guest Email mindy@biggerpockets.com for the 4% Rule Article or Todd’s Contact Information See Mindy at BPCON2024 in Cancun! How to Retire Early (From Someone Who Did at Age 27)  00:00 Intro 01:09 Finding the FIRE Movement 03:24 Getting His Wife on Board 04:38 His FIRE Number  05:32 FIRE Movement Myths  07:37 Getting Richer in Retirement  11:55 Quitting His Job! 13:14 Prepare for Post-FI!  Check out more resources from this show on BiggerPockets.com and https://www.biggerpockets.com/blog/money-551  Interested in learning more about today’s sponsors or becoming a BiggerPockets partner yourself? Email advertise@biggerpockets.com]]></itunes:summary>
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	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[Todd retired early at age forty-four, just three years after discovering the FIRE movement. The most interesting part? He quit without reaching his FIRE number. That’s right. After realizing he couldn’t go one more day working his job, he quit, even without the perfect amount of money on the sidelines. Did he survive in the FIRE life, or did he eventually have to return to work to rebuild his portfolio? Stick around and find out!  Although Todd made a good income, he spent most of it on his lifestyle. As his family’s sole provider, every expense took away from his income, leaving him with a respectable but by no means large savings rate. One day, as Todd surfed the internet at work, he stumbled upon a financial independence blog post, and the rest was history! He chased FIRE ruthlessly for three years and eventually was able to retire on his terms.  If you’re looking to retire in your forties, quit your job, find financial freedom, or finally grow your savings, tune in for Todd’s advi]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
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<item>
	<title>550: How My Home Makes Me an Extra $1,400/Month (EVEN In an Expensive Market)</title>
	<link>https://biggerpocketsmoney.com/podcast/550-how-my-home-makes-me-an-extra-1400-month-even-in-an-expensive-market/</link>
	<pubDate>Tue, 30 Jul 2024 06:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">4ebd6e24-8901-11ee-8f23-fb7d7c843132</guid>
	<description><![CDATA[Wouldn’t it be nice if your home paid for itself? Every month, you throw a substantial sum of money towards your rent or mortgage payment, but what if you could live mortgage-free? With ADU investments, it’s more than possible. Michael Russell used an ADU (accessory dwelling unit) to make an extra $1,400/month off of his pricey California home. Combined with a bit of house hacking, Michael was getting PAID to live in one of the nation’s most expensive states. And he did it all on an average salary!  So, how do YOU use ADUs to lower your cost of living and turn your home into a cash-flowing investment? Today, Michael walks us through exactly how he did it, how much it cost, how long it took, and how much money he ended up making.  With high interest rates, will the ADU investing strategy still work in today’s market? How hard is it to build an ADU? And what’s the one mistake Michael wishes he hadn’t made before he built his ADU? We’re answering all these questions in this episode and showing you how to slash your mortgage payment, even if you live in a costly housing market!  In This Episode We Cover ADU investing explained and how much it costs to build an accessory dwelling unit Why more local and state governments WANT homeowners to build ADUs How to get paid to live (even in a high-cost-of-living area) with ADUs and house hacking The one mistake that cost Michael months of time (and rent) that you can’t afford to repeat Finding homes with ADU potential and the investor-friendly agent you NEED to spot these opportunities And So Much More!  Links from the Show BiggerPockets Money Facebook Group Network with Other Investors on The Path to FIRE Through the BiggerPockets Forums Finance Review Guest Onboarding Join BiggerPockets for FREE Mindy on BiggerPockets Scott on BiggePockets Listen to All Your Favorite BiggerPockets Podcasts in One Place Apply to Be a Guest on The Money Show Podcast Talent Search! Find an Investor-Friendly Agent in Your Area Find Investor-Friendly Lenders Property Manager Finder Work with Michael BiggerPockets Real Estate 356 - 30+ Rentals (in a Pricy Market) Through BRRRR and Section 8 with Joe Asamoah BiggerPockets Real Estate 575 - Killer Cash Flow with This “Tenant-First” Section 8 Rental Strategy w/Joe Asamoah BiggerPockets Money 37 - Paying Off Student Loan Debt with a Median Income and Two Kids in Northern California with Kyle Renke   00:00 Intro 01:19 Money Snapshot 04:17 Home Run House Hack  06:01 Smart Money Moves Early On 10:47 Surviving on $36K/Year  12:40 Building the ADU 22:12 How Long Did it Take? 24:55 ADU Investing with High Rates  33:37 Starting ADU Side Hustles 37:40 The Right Type of Agent  45:58 Connect with Michael!  46:59 The Housing Solution?  Check out more resources from this show on BiggerPockets.com and https://www.biggerpockets.com/blog/money-550  Interested in learning more about today’s sponsors or becoming a BiggerPockets partner yourself? Email advertise@biggerpockets.com]]></description>
	<itunes:subtitle><![CDATA[Wouldn’t it be nice if your home paid for itself? Every month, you throw a substantial sum of money towards your rent or mortgage payment, but what if you could live mortgage-free? With ADU investments, it’s more than possible. Michael Russell used an AD]]></itunes:subtitle>
	<content:encoded><![CDATA[Wouldn’t it be nice if your home paid for itself? Every month, you throw a substantial sum of money towards your rent or mortgage payment, but what if you could live mortgage-free? With ADU investments, it’s more than possible. Michael Russell used an ADU (accessory dwelling unit) to make an extra $1,400/month off of his pricey California home. Combined with a bit of house hacking, Michael was getting PAID to live in one of the nation’s most expensive states. And he did it all on an average salary!  So, how do YOU use ADUs to lower your cost of living and turn your home into a cash-flowing investment? Today, Michael walks us through exactly how he did it, how much it cost, how long it took, and how much money he ended up making.  With high interest rates, will the ADU investing strategy still work in today’s market? How hard is it to build an ADU? And what’s the one mistake Michael wishes he hadn’t made before he built his ADU? We’re answering all these questions in this episode and showing you how to slash your mortgage payment, even if you live in a costly housing market!  In This Episode We Cover ADU investing explained and how much it costs to build an accessory dwelling unit Why more local and state governments WANT homeowners to build ADUs How to get paid to live (even in a high-cost-of-living area) with ADUs and house hacking The one mistake that cost Michael months of time (and rent) that you can’t afford to repeat Finding homes with ADU potential and the investor-friendly agent you NEED to spot these opportunities And So Much More!  Links from the Show BiggerPockets Money Facebook Group Network with Other Investors on The Path to FIRE Through the BiggerPockets Forums Finance Review Guest Onboarding Join BiggerPockets for FREE Mindy on BiggerPockets Scott on BiggePockets Listen to All Your Favorite BiggerPockets Podcasts in One Place Apply to Be a Guest on The Money Show Podcast Talent Search! Find an Investor-Friendly Agent in Your Area Find Investor-Friendly Lenders Property Manager Finder Work with Michael BiggerPockets Real Estate 356 - 30+ Rentals (in a Pricy Market) Through BRRRR and Section 8 with Joe Asamoah BiggerPockets Real Estate 575 - Killer Cash Flow with This “Tenant-First” Section 8 Rental Strategy w/Joe Asamoah BiggerPockets Money 37 - Paying Off Student Loan Debt with a Median Income and Two Kids in Northern California with Kyle Renke   00:00 Intro 01:19 Money Snapshot 04:17 Home Run House Hack  06:01 Smart Money Moves Early On 10:47 Surviving on $36K/Year  12:40 Building the ADU 22:12 How Long Did it Take? 24:55 ADU Investing with High Rates  33:37 Starting ADU Side Hustles 37:40 The Right Type of Agent  45:58 Connect with Michael!  46:59 The Housing Solution?  Check out more resources from this show on BiggerPockets.com and https://www.biggerpockets.com/blog/money-550  Interested in learning more about today’s sponsors or becoming a BiggerPockets partner yourself? Email advertise@biggerpockets.com]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC7846218168.mp3" length="85408572" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[Wouldn’t it be nice if your home paid for itself? Every month, you throw a substantial sum of money towards your rent or mortgage payment, but what if you could live mortgage-free? With ADU investments, it’s more than possible. Michael Russell used an ADU (accessory dwelling unit) to make an extra $1,400/month off of his pricey California home. Combined with a bit of house hacking, Michael was getting PAID to live in one of the nation’s most expensive states. And he did it all on an average salary!  So, how do YOU use ADUs to lower your cost of living and turn your home into a cash-flowing investment? Today, Michael walks us through exactly how he did it, how much it cost, how long it took, and how much money he ended up making.  With high interest rates, will the ADU investing strategy still work in today’s market? How hard is it to build an ADU? And what’s the one mistake Michael wishes he hadn’t made before he built his ADU? We’re answering all these questions in this episode and showing you how to slash your mortgage payment, even if you live in a costly housing market!  In This Episode We Cover ADU investing explained and how much it costs to build an accessory dwelling unit Why more local and state governments WANT homeowners to build ADUs How to get paid to live (even in a high-cost-of-living area) with ADUs and house hacking The one mistake that cost Michael months of time (and rent) that you can’t afford to repeat Finding homes with ADU potential and the investor-friendly agent you NEED to spot these opportunities And So Much More!  Links from the Show BiggerPockets Money Facebook Group Network with Other Investors on The Path to FIRE Through the BiggerPockets Forums Finance Review Guest Onboarding Join BiggerPockets for FREE Mindy on BiggerPockets Scott on BiggePockets Listen to All Your Favorite BiggerPockets Podcasts in One Place Apply to Be a Guest on The Money Show Podcast Talent Search! Find an Investor-Friendly Agent in Your Area Find Investor-Friendly Lenders Property Manager Finder Work with Michael BiggerPockets Real Estate 356 - 30+ Rentals (in a Pricy Market) Through BRRRR and Section 8 with Joe Asamoah BiggerPockets Real Estate 575 - Killer Cash Flow with This “Tenant-First” Section 8 Rental Strategy w/Joe Asamoah BiggerPockets Money 37 - Paying Off Student Loan Debt with a Median Income and Two Kids in Northern California with Kyle Renke   00:00 Intro 01:19 Money Snapshot 04:17 Home Run House Hack  06:01 Smart Money Moves Early On 10:47 Surviving on $36K/Year  12:40 Building the ADU 22:12 How Long Did it Take? 24:55 ADU Investing with High Rates  33:37 Starting ADU Side Hustles 37:40 The Right Type of Agent  45:58 Connect with Michael!  46:59 The Housing Solution?  Check out more resources from this show on BiggerPockets.com and https://www.biggerpockets.com/blog/money-550  Interested in learning more about today’s sponsors or becoming a BiggerPockets partner yourself? Email advertise@biggerpockets.com]]></itunes:summary>
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	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[Wouldn’t it be nice if your home paid for itself? Every month, you throw a substantial sum of money towards your rent or mortgage payment, but what if you could live mortgage-free? With ADU investments, it’s more than possible. Michael Russell used an ADU (accessory dwelling unit) to make an extra $1,400/month off of his pricey California home. Combined with a bit of house hacking, Michael was getting PAID to live in one of the nation’s most expensive states. And he did it all on an average salary!  So, how do YOU use ADUs to lower your cost of living and turn your home into a cash-flowing investment? Today, Michael walks us through exactly how he did it, how much it cost, how long it took, and how much money he ended up making.  With high interest rates, will the ADU investing strategy still work in today’s market? How hard is it to build an ADU? And what’s the one mistake Michael wishes he hadn’t made before he built his ADU? We’re answering all these questions in this episode and s]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
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<item>
	<title>549: Is FIRE Dead? No, But Here’s Why Most WON’T Achieve It</title>
	<link>https://biggerpocketsmoney.com/podcast/549-is-fire-dead-no-but-heres-why-most-wont-achieve-it/</link>
	<pubDate>Fri, 26 Jul 2024 06:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">50189050-8901-11ee-8f23-ff87f6c8cd67</guid>
	<description><![CDATA[Is the FIRE movement dead? In 2024, more people are catching on to the huge downsides of pursuing financial independence, retire early. Strict frugality, massive sacrifice, working harder than ever…is it really worth it to retire decades before everyone else? If you’re internally screaming, “Yes! Of course it is!” you’re in good company. Today, we’re talking about why FIRE is NOT dead in 2024 but why most Americans won’t achieve it.  It’s easy to claim that the FIRE movement is dead in 2024 when inflation has been high, savings rates are low, and there’s economic uncertainty all around. The problem? Almost all of that can be easily factored into your FIRE plan, and with some sacrifices, you could easily retire early in five, ten, or fifteen years. So, if FIRE is still possible, what must the average person do to achieve it?  We’ll discuss the mindset shift you must undergo to reach financial independence, the sacrifices you must prepare for, and what we would have done differently on our own paths to FIRE. Achieving financial freedom doesn’t need to be an all-out grind with zero enjoyment. Even if you make minor money moves today, you could be retiring YEARS earlier than you thought possible!  In This Episode We Cover An update on the FIRE movement and whether or not FIRE is possible in 2024 The 4% rule explained, and why it works EVEN during high inflation The sacrifice that most Americans will NEVER make to retire early  How to achieve FIRE even if you have an average income  The “grind” that gets you RICH and how to tell you’re on the right track for FIRE How frequently to check your investments/accounts (and whether it really matters) And So Much More!  Links from the Show BiggerPockets Money Facebook Group Network with Other Investors on The Path to FIRE Through the BiggerPockets Forums Finance Review Guest Onboarding Join BiggerPockets for FREE Mindy on BiggerPockets Scott on BiggePockets Listen to All Your Favorite BiggerPockets Podcasts in One Place Apply to Be a Guest on The Money Show Podcast Talent Search! Find an Investor-Friendly Agent in Your Area Find Investor-Friendly Lenders Property Manager Finder Apply to Be a Finance Friday Guest BiggerPockets Money 120 - Are FIRE Naysayers Bad at Math? Yes. with Michael Kitces BiggerPockets Money 169 - Breaking the Taboo of Talking About Money with Friends, Family, and Bosses w/Erin Lowry BiggerPockets Money 243 - Ramit Sethi’s Money Advice for Couples: Live a Rich Life, Together BiggerPockets Money 516 - Jaspreet Singh: Getting Rich Slowly and Why Some People STAY Broke cFIREsim (FIRE Calculator) My Death March to Financial Independence Email mindy@biggerpockets.com for the “4% Rule” Article  00:00 Intro 04:19 Is the FIRE Movement Dead? 10:93 Do You Need a High Income? 16:36 Should Everyone Pursue FIRE? 24:44 How Average People Achieve FIRE 30:04 FIRE in 2024 35:54 Retiring Early During Inflation  38:38 You CAN Achieve FIRE  Check out more resources from this show on BiggerPockets.com and https://www.biggerpockets.com/blog/money-549  Interested in learning more about today’s sponsors or becoming a BiggerPockets partner yourself? Email advertise@biggerpockets.com]]></description>
	<itunes:subtitle><![CDATA[Is the FIRE movement dead? In 2024, more people are catching on to the huge downsides of pursuing financial independence, retire early. Strict frugality, massive sacrifice, working harder than ever…is it really worth it to retire decades before everyone ]]></itunes:subtitle>
	<content:encoded><![CDATA[Is the FIRE movement dead? In 2024, more people are catching on to the huge downsides of pursuing financial independence, retire early. Strict frugality, massive sacrifice, working harder than ever…is it really worth it to retire decades before everyone else? If you’re internally screaming, “Yes! Of course it is!” you’re in good company. Today, we’re talking about why FIRE is NOT dead in 2024 but why most Americans won’t achieve it.  It’s easy to claim that the FIRE movement is dead in 2024 when inflation has been high, savings rates are low, and there’s economic uncertainty all around. The problem? Almost all of that can be easily factored into your FIRE plan, and with some sacrifices, you could easily retire early in five, ten, or fifteen years. So, if FIRE is still possible, what must the average person do to achieve it?  We’ll discuss the mindset shift you must undergo to reach financial independence, the sacrifices you must prepare for, and what we would have done differently on our own paths to FIRE. Achieving financial freedom doesn’t need to be an all-out grind with zero enjoyment. Even if you make minor money moves today, you could be retiring YEARS earlier than you thought possible!  In This Episode We Cover An update on the FIRE movement and whether or not FIRE is possible in 2024 The 4% rule explained, and why it works EVEN during high inflation The sacrifice that most Americans will NEVER make to retire early  How to achieve FIRE even if you have an average income  The “grind” that gets you RICH and how to tell you’re on the right track for FIRE How frequently to check your investments/accounts (and whether it really matters) And So Much More!  Links from the Show BiggerPockets Money Facebook Group Network with Other Investors on The Path to FIRE Through the BiggerPockets Forums Finance Review Guest Onboarding Join BiggerPockets for FREE Mindy on BiggerPockets Scott on BiggePockets Listen to All Your Favorite BiggerPockets Podcasts in One Place Apply to Be a Guest on The Money Show Podcast Talent Search! Find an Investor-Friendly Agent in Your Area Find Investor-Friendly Lenders Property Manager Finder Apply to Be a Finance Friday Guest BiggerPockets Money 120 - Are FIRE Naysayers Bad at Math? Yes. with Michael Kitces BiggerPockets Money 169 - Breaking the Taboo of Talking About Money with Friends, Family, and Bosses w/Erin Lowry BiggerPockets Money 243 - Ramit Sethi’s Money Advice for Couples: Live a Rich Life, Together BiggerPockets Money 516 - Jaspreet Singh: Getting Rich Slowly and Why Some People STAY Broke cFIREsim (FIRE Calculator) My Death March to Financial Independence Email mindy@biggerpockets.com for the “4% Rule” Article  00:00 Intro 04:19 Is the FIRE Movement Dead? 10:93 Do You Need a High Income? 16:36 Should Everyone Pursue FIRE? 24:44 How Average People Achieve FIRE 30:04 FIRE in 2024 35:54 Retiring Early During Inflation  38:38 You CAN Achieve FIRE  Check out more resources from this show on BiggerPockets.com and https://www.biggerpockets.com/blog/money-549  Interested in learning more about today’s sponsors or becoming a BiggerPockets partner yourself? Email advertise@biggerpockets.com]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC6708263979.mp3" length="69286956" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[Is the FIRE movement dead? In 2024, more people are catching on to the huge downsides of pursuing financial independence, retire early. Strict frugality, massive sacrifice, working harder than ever…is it really worth it to retire decades before everyone else? If you’re internally screaming, “Yes! Of course it is!” you’re in good company. Today, we’re talking about why FIRE is NOT dead in 2024 but why most Americans won’t achieve it.  It’s easy to claim that the FIRE movement is dead in 2024 when inflation has been high, savings rates are low, and there’s economic uncertainty all around. The problem? Almost all of that can be easily factored into your FIRE plan, and with some sacrifices, you could easily retire early in five, ten, or fifteen years. So, if FIRE is still possible, what must the average person do to achieve it?  We’ll discuss the mindset shift you must undergo to reach financial independence, the sacrifices you must prepare for, and what we would have done differently on our own paths to FIRE. Achieving financial freedom doesn’t need to be an all-out grind with zero enjoyment. Even if you make minor money moves today, you could be retiring YEARS earlier than you thought possible!  In This Episode We Cover An update on the FIRE movement and whether or not FIRE is possible in 2024 The 4% rule explained, and why it works EVEN during high inflation The sacrifice that most Americans will NEVER make to retire early  How to achieve FIRE even if you have an average income  The “grind” that gets you RICH and how to tell you’re on the right track for FIRE How frequently to check your investments/accounts (and whether it really matters) And So Much More!  Links from the Show BiggerPockets Money Facebook Group Network with Other Investors on The Path to FIRE Through the BiggerPockets Forums Finance Review Guest Onboarding Join BiggerPockets for FREE Mindy on BiggerPockets Scott on BiggePockets Listen to All Your Favorite BiggerPockets Podcasts in One Place Apply to Be a Guest on The Money Show Podcast Talent Search! Find an Investor-Friendly Agent in Your Area Find Investor-Friendly Lenders Property Manager Finder Apply to Be a Finance Friday Guest BiggerPockets Money 120 - Are FIRE Naysayers Bad at Math? Yes. with Michael Kitces BiggerPockets Money 169 - Breaking the Taboo of Talking About Money with Friends, Family, and Bosses w/Erin Lowry BiggerPockets Money 243 - Ramit Sethi’s Money Advice for Couples: Live a Rich Life, Together BiggerPockets Money 516 - Jaspreet Singh: Getting Rich Slowly and Why Some People STAY Broke cFIREsim (FIRE Calculator) My Death March to Financial Independence Email mindy@biggerpockets.com for the “4% Rule” Article  00:00 Intro 04:19 Is the FIRE Movement Dead? 10:93 Do You Need a High Income? 16:36 Should Everyone Pursue FIRE? 24:44 How Average People Achieve FIRE 30:04 FIRE in 2024 35:54 Retiring Early During Inflation  38:38 You CAN Achieve FIRE  Check out more resources from this show on BiggerPockets.com and https://www.biggerpockets.com/blog/money-549  Interested in learning more about today’s sponsors or becoming a BiggerPockets partner yourself? Email advertise@biggerpockets.com]]></itunes:summary>
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	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[Is the FIRE movement dead? In 2024, more people are catching on to the huge downsides of pursuing financial independence, retire early. Strict frugality, massive sacrifice, working harder than ever…is it really worth it to retire decades before everyone else? If you’re internally screaming, “Yes! Of course it is!” you’re in good company. Today, we’re talking about why FIRE is NOT dead in 2024 but why most Americans won’t achieve it.  It’s easy to claim that the FIRE movement is dead in 2024 when inflation has been high, savings rates are low, and there’s economic uncertainty all around. The problem? Almost all of that can be easily factored into your FIRE plan, and with some sacrifices, you could easily retire early in five, ten, or fifteen years. So, if FIRE is still possible, what must the average person do to achieve it?  We’ll discuss the mindset shift you must undergo to reach financial independence, the sacrifices you must prepare for, and what we would have done differently on ]]></googleplay:description>
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<item>
	<title>548: 2 Money Moves We’re Making TODAY to Prepare for a Potential Recession</title>
	<link>https://biggerpocketsmoney.com/podcast/548-2-money-moves-were-making-today-to-prepare-for-a-potential-recession/</link>
	<pubDate>Tue, 23 Jul 2024 06:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
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	<description><![CDATA[Are we in a recession? Are we headed for a recession? No one knows for certain, but you can never be too prepared for an economic downturn. Are you saving money? Do you have a plan in the event you lose your job? In today’s episode, we’ll help prepare you for anything that might be thrown your way!  Welcome back to the BiggerPockets Money podcast! Amidst economic uncertainty, there are two steps you must take to weather tough times: build an emergency fund and brace for a potential layoff. Today, Mindy and guest co-host Amanda Wolfe are bringing you their best money tips for getting through a recession. First, they’ll show you how to pad your emergency fund by saving hundreds on groceries each month, negotiating your bills, and eliminating unnecessary expenses from your budget. Believe it or not, it might even be time to cut back on aggressive debt paydown or extra 401(k) contributions!  Next, they’ll help you with a potential job search. You’ll learn how to get your resume seen by more employers and determine your market pay rate. But that’s not all. Stick around until the end to learn why staying with your current company—regardless of whether your job is at risk—could cost you millions of dollars over your lifetime!  In This Episode We Cover How to get your financial house in order before an economic decline Calculating how much money YOU need for an emergency fund How to slash your food bill by hundreds of dollars per month The BEST places to find money and bolster your savings How to start preparing for a new job today (before you lose it!) When to cut back on “extra” payments and retirement contributions Why staying at your current job might be costing you millions of dollars And So Much More!  Links from the Show BiggerPockets Money Facebook Group Network with Other Investors on The Path to FIRE Through the BiggerPockets Forums Finance Review Guest Onboarding Join BiggerPockets for FREE Mindy on BiggerPockets Scott on BiggePockets Listen to All Your Favorite BiggerPockets Podcasts in One Place Apply to Be a Guest on The Money Show Podcast Talent Search! Find an Investor-Friendly Agent in Your Area Find Investor-Friendly Lenders Property Manager Finder Try Amanda’s Free Emergency Fund Calculator Connect with Amanda on Instagram Enjoy Ebooks and Audiobooks with Libby Enjoy Ebooks and Audiobooks with Hoopla Check Out Market Pay Rates with Glassdoor See Mindy at BPCON2024 in Cancun! BiggerPockets Money - Episode 110: Systematically Increasing Income and Intentionally Decreasing Spending with A Purple Life  00:00 Intro 02:19 Building Your  11:31 Slashing Your Grocery Bill 17:22 Negotiating Bills & Auditing Purchases 27:56 The “No-Spend” Challenge 33:52 Preparing for a New Job 42:53 Send Us Your Money Tips!  Check out more resources from this show on BiggerPockets.com and https://www.biggerpockets.com/blog/money-548  Interested in learning more about today’s sponsors or becoming a BiggerPockets partner yourself? Email advertise@biggerpockets.com]]></description>
	<itunes:subtitle><![CDATA[Are we in a recession? Are we headed for a recession? No one knows for certain, but you can never be too prepared for an economic downturn. Are you saving money? Do you have a plan in the event you lose your job? In today’s episode, we’ll help prepare yo]]></itunes:subtitle>
	<content:encoded><![CDATA[Are we in a recession? Are we headed for a recession? No one knows for certain, but you can never be too prepared for an economic downturn. Are you saving money? Do you have a plan in the event you lose your job? In today’s episode, we’ll help prepare you for anything that might be thrown your way!  Welcome back to the BiggerPockets Money podcast! Amidst economic uncertainty, there are two steps you must take to weather tough times: build an emergency fund and brace for a potential layoff. Today, Mindy and guest co-host Amanda Wolfe are bringing you their best money tips for getting through a recession. First, they’ll show you how to pad your emergency fund by saving hundreds on groceries each month, negotiating your bills, and eliminating unnecessary expenses from your budget. Believe it or not, it might even be time to cut back on aggressive debt paydown or extra 401(k) contributions!  Next, they’ll help you with a potential job search. You’ll learn how to get your resume seen by more employers and determine your market pay rate. But that’s not all. Stick around until the end to learn why staying with your current company—regardless of whether your job is at risk—could cost you millions of dollars over your lifetime!  In This Episode We Cover How to get your financial house in order before an economic decline Calculating how much money YOU need for an emergency fund How to slash your food bill by hundreds of dollars per month The BEST places to find money and bolster your savings How to start preparing for a new job today (before you lose it!) When to cut back on “extra” payments and retirement contributions Why staying at your current job might be costing you millions of dollars And So Much More!  Links from the Show BiggerPockets Money Facebook Group Network with Other Investors on The Path to FIRE Through the BiggerPockets Forums Finance Review Guest Onboarding Join BiggerPockets for FREE Mindy on BiggerPockets Scott on BiggePockets Listen to All Your Favorite BiggerPockets Podcasts in One Place Apply to Be a Guest on The Money Show Podcast Talent Search! Find an Investor-Friendly Agent in Your Area Find Investor-Friendly Lenders Property Manager Finder Try Amanda’s Free Emergency Fund Calculator Connect with Amanda on Instagram Enjoy Ebooks and Audiobooks with Libby Enjoy Ebooks and Audiobooks with Hoopla Check Out Market Pay Rates with Glassdoor See Mindy at BPCON2024 in Cancun! BiggerPockets Money - Episode 110: Systematically Increasing Income and Intentionally Decreasing Spending with A Purple Life  00:00 Intro 02:19 Building Your  11:31 Slashing Your Grocery Bill 17:22 Negotiating Bills & Auditing Purchases 27:56 The “No-Spend” Challenge 33:52 Preparing for a New Job 42:53 Send Us Your Money Tips!  Check out more resources from this show on BiggerPockets.com and https://www.biggerpockets.com/blog/money-548  Interested in learning more about today’s sponsors or becoming a BiggerPockets partner yourself? Email advertise@biggerpockets.com]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC8060864344.mp3" length="73738557" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[Are we in a recession? Are we headed for a recession? No one knows for certain, but you can never be too prepared for an economic downturn. Are you saving money? Do you have a plan in the event you lose your job? In today’s episode, we’ll help prepare you for anything that might be thrown your way!  Welcome back to the BiggerPockets Money podcast! Amidst economic uncertainty, there are two steps you must take to weather tough times: build an emergency fund and brace for a potential layoff. Today, Mindy and guest co-host Amanda Wolfe are bringing you their best money tips for getting through a recession. First, they’ll show you how to pad your emergency fund by saving hundreds on groceries each month, negotiating your bills, and eliminating unnecessary expenses from your budget. Believe it or not, it might even be time to cut back on aggressive debt paydown or extra 401(k) contributions!  Next, they’ll help you with a potential job search. You’ll learn how to get your resume seen by more employers and determine your market pay rate. But that’s not all. Stick around until the end to learn why staying with your current company—regardless of whether your job is at risk—could cost you millions of dollars over your lifetime!  In This Episode We Cover How to get your financial house in order before an economic decline Calculating how much money YOU need for an emergency fund How to slash your food bill by hundreds of dollars per month The BEST places to find money and bolster your savings How to start preparing for a new job today (before you lose it!) When to cut back on “extra” payments and retirement contributions Why staying at your current job might be costing you millions of dollars And So Much More!  Links from the Show BiggerPockets Money Facebook Group Network with Other Investors on The Path to FIRE Through the BiggerPockets Forums Finance Review Guest Onboarding Join BiggerPockets for FREE Mindy on BiggerPockets Scott on BiggePockets Listen to All Your Favorite BiggerPockets Podcasts in One Place Apply to Be a Guest on The Money Show Podcast Talent Search! Find an Investor-Friendly Agent in Your Area Find Investor-Friendly Lenders Property Manager Finder Try Amanda’s Free Emergency Fund Calculator Connect with Amanda on Instagram Enjoy Ebooks and Audiobooks with Libby Enjoy Ebooks and Audiobooks with Hoopla Check Out Market Pay Rates with Glassdoor See Mindy at BPCON2024 in Cancun! BiggerPockets Money - Episode 110: Systematically Increasing Income and Intentionally Decreasing Spending with A Purple Life  00:00 Intro 02:19 Building Your  11:31 Slashing Your Grocery Bill 17:22 Negotiating Bills & Auditing Purchases 27:56 The “No-Spend” Challenge 33:52 Preparing for a New Job 42:53 Send Us Your Money Tips!  Check out more resources from this show on BiggerPockets.com and https://www.biggerpockets.com/blog/money-548  Interested in learning more about today’s sponsors or becoming a BiggerPockets partner yourself? Email advertise@biggerpockets.com]]></itunes:summary>
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	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[Are we in a recession? Are we headed for a recession? No one knows for certain, but you can never be too prepared for an economic downturn. Are you saving money? Do you have a plan in the event you lose your job? In today’s episode, we’ll help prepare you for anything that might be thrown your way!  Welcome back to the BiggerPockets Money podcast! Amidst economic uncertainty, there are two steps you must take to weather tough times: build an emergency fund and brace for a potential layoff. Today, Mindy and guest co-host Amanda Wolfe are bringing you their best money tips for getting through a recession. First, they’ll show you how to pad your emergency fund by saving hundreds on groceries each month, negotiating your bills, and eliminating unnecessary expenses from your budget. Believe it or not, it might even be time to cut back on aggressive debt paydown or extra 401(k) contributions!  Next, they’ll help you with a potential job search. You’ll learn how to get your resume seen by mo]]></googleplay:description>
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	<title>547: Using &#8220;ADUs&#8221; to Go From Firefighter to FIRE by His Late 30s</title>
	<link>https://biggerpocketsmoney.com/podcast/547-using-adus-to-go-from-firefighter-to-fire-by-his-late-30s/</link>
	<pubDate>Fri, 19 Jul 2024 06:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
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	<description><![CDATA[You could be missing out on the chance to earn passive income from your home (and other rentals!) with a “no-brainer” money move. This investing strategy is picking up steam and could become one of the big trends in real estate this year. Today’s guest was one of the early adopters, and it carried him to FIRE by his late thirties!  Welcome back to the BiggerPockets Money podcast! Today, we’re chatting with “That ADU Guy,” Derek Sherrell. Right before the 2008 housing market crash, Derek left his contracting job behind and returned to school to become a firefighter. Little did he know that this career move would provide the time, freedom, and connections to launch a full-blown side hustle alongside his W2 job. Before the age of forty, Derek became financially independent, with the ability to retire early, all thanks to this simple strategy. Since then, he has made it his life’s mission to inspire countless others to do the same!  In this episode, we’re taking a deep dive into accessory dwelling units (ADUs). Tune in to learn why the combination of serial house hacking and some kind of “secret sauce” (in this case, ADUs) is perhaps the easiest path to FIRE. Derek will tell you everything you need to know about buying, building, and renting out ADUs—from financing these units to scaling your business!  Support today’s show sponsor, BAM Capital, your path to generational wealth with premier real estate investment opportunities!   In This Episode We Cover Accessory dwelling units (ADUs) explained (and how they create passive income) Why the modified serial house hacking strategy might be the easiest path to FIRE How to completely replace your W2 income with cash flow from ADUs How to easily (and affordably) convert a single-family home into a duplex Why ADU investing could be one of the biggest investing opportunities in 2024 How to get your spouse on board with your real estate investing strategy And So Much More!  Links from the Show BiggerPockets Money Facebook Group Network with Other Investors on The Path to FIRE Through the BiggerPockets Forums Finance Review Guest Onboarding Join BiggerPockets for FREE Mindy on BiggerPockets Scott on BiggePockets Listen to All Your Favorite BiggerPockets Podcasts in One Place Apply to Be a Guest on The Money Show Podcast Talent Search! Find an Investor-Friendly Agent in Your Area Find Investor-Friendly Lenders Property Manager Finder Check Out Derek’s Website Derek on BiggerPockets  00:00 Intro 02:31 Life with FI & Current Portfolio 06:06 Derek’s Money Journey 12:26 Changing Careers & Building Wealth 18:21 Buying the “Lucky” House 28:14 House Hacking with ADUs 37:20 3 ADU Investing Strategies 49:06 Derek’s BIG Mission 55:58 Connect with Derek!  Check out more resources from this show on BiggerPockets.com and https://www.biggerpockets.com/blog/money-547  Interested in learning more about today’s sponsors or becoming a BiggerPockets partner yourself? Email advertise@biggerpockets.com]]></description>
	<itunes:subtitle><![CDATA[You could be missing out on the chance to earn passive income from your home (and other rentals!) with a “no-brainer” money move. This investing strategy is picking up steam and could become one of the big trends in real estate this year. Today’s guest w]]></itunes:subtitle>
	<content:encoded><![CDATA[You could be missing out on the chance to earn passive income from your home (and other rentals!) with a “no-brainer” money move. This investing strategy is picking up steam and could become one of the big trends in real estate this year. Today’s guest was one of the early adopters, and it carried him to FIRE by his late thirties!  Welcome back to the BiggerPockets Money podcast! Today, we’re chatting with “That ADU Guy,” Derek Sherrell. Right before the 2008 housing market crash, Derek left his contracting job behind and returned to school to become a firefighter. Little did he know that this career move would provide the time, freedom, and connections to launch a full-blown side hustle alongside his W2 job. Before the age of forty, Derek became financially independent, with the ability to retire early, all thanks to this simple strategy. Since then, he has made it his life’s mission to inspire countless others to do the same!  In this episode, we’re taking a deep dive into accessory dwelling units (ADUs). Tune in to learn why the combination of serial house hacking and some kind of “secret sauce” (in this case, ADUs) is perhaps the easiest path to FIRE. Derek will tell you everything you need to know about buying, building, and renting out ADUs—from financing these units to scaling your business!  Support today’s show sponsor, BAM Capital, your path to generational wealth with premier real estate investment opportunities!   In This Episode We Cover Accessory dwelling units (ADUs) explained (and how they create passive income) Why the modified serial house hacking strategy might be the easiest path to FIRE How to completely replace your W2 income with cash flow from ADUs How to easily (and affordably) convert a single-family home into a duplex Why ADU investing could be one of the biggest investing opportunities in 2024 How to get your spouse on board with your real estate investing strategy And So Much More!  Links from the Show BiggerPockets Money Facebook Group Network with Other Investors on The Path to FIRE Through the BiggerPockets Forums Finance Review Guest Onboarding Join BiggerPockets for FREE Mindy on BiggerPockets Scott on BiggePockets Listen to All Your Favorite BiggerPockets Podcasts in One Place Apply to Be a Guest on The Money Show Podcast Talent Search! Find an Investor-Friendly Agent in Your Area Find Investor-Friendly Lenders Property Manager Finder Check Out Derek’s Website Derek on BiggerPockets  00:00 Intro 02:31 Life with FI & Current Portfolio 06:06 Derek’s Money Journey 12:26 Changing Careers & Building Wealth 18:21 Buying the “Lucky” House 28:14 House Hacking with ADUs 37:20 3 ADU Investing Strategies 49:06 Derek’s BIG Mission 55:58 Connect with Derek!  Check out more resources from this show on BiggerPockets.com and https://www.biggerpockets.com/blog/money-547  Interested in learning more about today’s sponsors or becoming a BiggerPockets partner yourself? Email advertise@biggerpockets.com]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC3199053584.mp3" length="97414685" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[You could be missing out on the chance to earn passive income from your home (and other rentals!) with a “no-brainer” money move. This investing strategy is picking up steam and could become one of the big trends in real estate this year. Today’s guest was one of the early adopters, and it carried him to FIRE by his late thirties!  Welcome back to the BiggerPockets Money podcast! Today, we’re chatting with “That ADU Guy,” Derek Sherrell. Right before the 2008 housing market crash, Derek left his contracting job behind and returned to school to become a firefighter. Little did he know that this career move would provide the time, freedom, and connections to launch a full-blown side hustle alongside his W2 job. Before the age of forty, Derek became financially independent, with the ability to retire early, all thanks to this simple strategy. Since then, he has made it his life’s mission to inspire countless others to do the same!  In this episode, we’re taking a deep dive into accessory dwelling units (ADUs). Tune in to learn why the combination of serial house hacking and some kind of “secret sauce” (in this case, ADUs) is perhaps the easiest path to FIRE. Derek will tell you everything you need to know about buying, building, and renting out ADUs—from financing these units to scaling your business!  Support today’s show sponsor, BAM Capital, your path to generational wealth with premier real estate investment opportunities!   In This Episode We Cover Accessory dwelling units (ADUs) explained (and how they create passive income) Why the modified serial house hacking strategy might be the easiest path to FIRE How to completely replace your W2 income with cash flow from ADUs How to easily (and affordably) convert a single-family home into a duplex Why ADU investing could be one of the biggest investing opportunities in 2024 How to get your spouse on board with your real estate investing strategy And So Much More!  Links from the Show BiggerPockets Money Facebook Group Network with Other Investors on The Path to FIRE Through the BiggerPockets Forums Finance Review Guest Onboarding Join BiggerPockets for FREE Mindy on BiggerPockets Scott on BiggePockets Listen to All Your Favorite BiggerPockets Podcasts in One Place Apply to Be a Guest on The Money Show Podcast Talent Search! Find an Investor-Friendly Agent in Your Area Find Investor-Friendly Lenders Property Manager Finder Check Out Derek’s Website Derek on BiggerPockets  00:00 Intro 02:31 Life with FI & Current Portfolio 06:06 Derek’s Money Journey 12:26 Changing Careers & Building Wealth 18:21 Buying the “Lucky” House 28:14 House Hacking with ADUs 37:20 3 ADU Investing Strategies 49:06 Derek’s BIG Mission 55:58 Connect with Derek!  Check out more resources from this show on BiggerPockets.com and https://www.biggerpockets.com/blog/money-547  Interested in learning more about today’s sponsors or becoming a BiggerPockets partner yourself? Email advertise@biggerpockets.com]]></itunes:summary>
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	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[You could be missing out on the chance to earn passive income from your home (and other rentals!) with a “no-brainer” money move. This investing strategy is picking up steam and could become one of the big trends in real estate this year. Today’s guest was one of the early adopters, and it carried him to FIRE by his late thirties!  Welcome back to the BiggerPockets Money podcast! Today, we’re chatting with “That ADU Guy,” Derek Sherrell. Right before the 2008 housing market crash, Derek left his contracting job behind and returned to school to become a firefighter. Little did he know that this career move would provide the time, freedom, and connections to launch a full-blown side hustle alongside his W2 job. Before the age of forty, Derek became financially independent, with the ability to retire early, all thanks to this simple strategy. Since then, he has made it his life’s mission to inspire countless others to do the same!  In this episode, we’re taking a deep dive into accessory]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
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<item>
	<title>546: From a Negative Net Worth to FI in Just 5 Years by Living Like a Stoic</title>
	<link>https://biggerpocketsmoney.com/podcast/546-from-a-negative-net-worth-to-fi-in-just-5-years-by-living-like-a-stoic/</link>
	<pubDate>Tue, 16 Jul 2024 06:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">4e12198e-8901-11ee-8f23-1f3991fb41fa</guid>
	<description><![CDATA[The road to financial independence isn’t always linear, but stoicism might be the secret ingredient that keeps you on track. This ancient philosophy gets a bad rap, but with its framework as your financial “operating system,” you’ll be able to weather all kinds of storms!  Welcome back to the BiggerPockets Money podcast! Today, Darius Foroux is a business owner, landlord, financial educator, and the author of eight books. But as a boy, he watched his family live paycheck to paycheck for many years. Vowing to one day become wealthy, Darius started saving every penny possible, only to find that practicing staunch frugality could only take him so far. After more than a decade of hard work and sacrifice, he had just $10,000 to his name and, after student loans, a negative net worth. But in 2015, Darius made a seismic mindset shift that propelled him to FI in just FIVE years!  In this episode, Darius dispels the myth that stoicism is about suppressing emotions and lacking empathy. Instead, you’ll learn that its tenets revolve around creating balance, staying grounded, and changing how you respond to things beyond your control—virtues that are congruent with building wealth. But that’s not all. He will also show you how to increase your income, gain a “stoic edge,” and invest your money in 2024!  In This Episode We Cover How Darius went from a low net worth to financial independence in FIVE years Why reaching FI is easier with stoicism as your “operating system” Why investing in yourself and learning new skills is the KEY to higher income The three steps for gaining a “stoic edge” that helps you build wealth faster The BEST way to start investing in the stock market in 2024 And So Much More!  Links from the Show BiggerPockets Money Facebook Group Network with Other Investors on The Path to FIRE Through the BiggerPockets Forums Finance Review Guest Onboarding Join BiggerPockets for FREE Mindy on BiggerPockets Scott on BiggePockets Listen to All Your Favorite BiggerPockets Podcasts in One Place Apply to Be a Guest on The Money Show Podcast Talent Search! Grab Darius’ Latest Book, The Stoic Path to Wealth Connect with Amanda on Instagram  00:00 Intro 03:24 Darius’ Money Journey 11:16 Negative Net Worth & the “Aha!” Moment 22:25 Stoicism in Personal Finance 32:11 Building Wealth with Stoicism 41:36 How to Start Investing in 2024 47:04 Reaching FI & Retiring Like a Stoic 52:46 Connect with Darius! 53:19 Find Joy in the Journey!  Check out more resources from this show on BiggerPockets.com and https://www.biggerpockets.com/blog/money-546  Interested in learning more about today’s sponsors or becoming a BiggerPockets partner yourself? Email advertise@biggerpockets.com]]></description>
	<itunes:subtitle><![CDATA[The road to financial independence isn’t always linear, but stoicism might be the secret ingredient that keeps you on track. This ancient philosophy gets a bad rap, but with its framework as your financial “operating system,” you’ll be able to weather al]]></itunes:subtitle>
	<content:encoded><![CDATA[The road to financial independence isn’t always linear, but stoicism might be the secret ingredient that keeps you on track. This ancient philosophy gets a bad rap, but with its framework as your financial “operating system,” you’ll be able to weather all kinds of storms!  Welcome back to the BiggerPockets Money podcast! Today, Darius Foroux is a business owner, landlord, financial educator, and the author of eight books. But as a boy, he watched his family live paycheck to paycheck for many years. Vowing to one day become wealthy, Darius started saving every penny possible, only to find that practicing staunch frugality could only take him so far. After more than a decade of hard work and sacrifice, he had just $10,000 to his name and, after student loans, a negative net worth. But in 2015, Darius made a seismic mindset shift that propelled him to FI in just FIVE years!  In this episode, Darius dispels the myth that stoicism is about suppressing emotions and lacking empathy. Instead, you’ll learn that its tenets revolve around creating balance, staying grounded, and changing how you respond to things beyond your control—virtues that are congruent with building wealth. But that’s not all. He will also show you how to increase your income, gain a “stoic edge,” and invest your money in 2024!  In This Episode We Cover How Darius went from a low net worth to financial independence in FIVE years Why reaching FI is easier with stoicism as your “operating system” Why investing in yourself and learning new skills is the KEY to higher income The three steps for gaining a “stoic edge” that helps you build wealth faster The BEST way to start investing in the stock market in 2024 And So Much More!  Links from the Show BiggerPockets Money Facebook Group Network with Other Investors on The Path to FIRE Through the BiggerPockets Forums Finance Review Guest Onboarding Join BiggerPockets for FREE Mindy on BiggerPockets Scott on BiggePockets Listen to All Your Favorite BiggerPockets Podcasts in One Place Apply to Be a Guest on The Money Show Podcast Talent Search! Grab Darius’ Latest Book, The Stoic Path to Wealth Connect with Amanda on Instagram  00:00 Intro 03:24 Darius’ Money Journey 11:16 Negative Net Worth & the “Aha!” Moment 22:25 Stoicism in Personal Finance 32:11 Building Wealth with Stoicism 41:36 How to Start Investing in 2024 47:04 Reaching FI & Retiring Like a Stoic 52:46 Connect with Darius! 53:19 Find Joy in the Journey!  Check out more resources from this show on BiggerPockets.com and https://www.biggerpockets.com/blog/money-546  Interested in learning more about today’s sponsors or becoming a BiggerPockets partner yourself? Email advertise@biggerpockets.com]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC3217088741.mp3" length="89514626" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[The road to financial independence isn’t always linear, but stoicism might be the secret ingredient that keeps you on track. This ancient philosophy gets a bad rap, but with its framework as your financial “operating system,” you’ll be able to weather all kinds of storms!  Welcome back to the BiggerPockets Money podcast! Today, Darius Foroux is a business owner, landlord, financial educator, and the author of eight books. But as a boy, he watched his family live paycheck to paycheck for many years. Vowing to one day become wealthy, Darius started saving every penny possible, only to find that practicing staunch frugality could only take him so far. After more than a decade of hard work and sacrifice, he had just $10,000 to his name and, after student loans, a negative net worth. But in 2015, Darius made a seismic mindset shift that propelled him to FI in just FIVE years!  In this episode, Darius dispels the myth that stoicism is about suppressing emotions and lacking empathy. Instead, you’ll learn that its tenets revolve around creating balance, staying grounded, and changing how you respond to things beyond your control—virtues that are congruent with building wealth. But that’s not all. He will also show you how to increase your income, gain a “stoic edge,” and invest your money in 2024!  In This Episode We Cover How Darius went from a low net worth to financial independence in FIVE years Why reaching FI is easier with stoicism as your “operating system” Why investing in yourself and learning new skills is the KEY to higher income The three steps for gaining a “stoic edge” that helps you build wealth faster The BEST way to start investing in the stock market in 2024 And So Much More!  Links from the Show BiggerPockets Money Facebook Group Network with Other Investors on The Path to FIRE Through the BiggerPockets Forums Finance Review Guest Onboarding Join BiggerPockets for FREE Mindy on BiggerPockets Scott on BiggePockets Listen to All Your Favorite BiggerPockets Podcasts in One Place Apply to Be a Guest on The Money Show Podcast Talent Search! Grab Darius’ Latest Book, The Stoic Path to Wealth Connect with Amanda on Instagram  00:00 Intro 03:24 Darius’ Money Journey 11:16 Negative Net Worth & the “Aha!” Moment 22:25 Stoicism in Personal Finance 32:11 Building Wealth with Stoicism 41:36 How to Start Investing in 2024 47:04 Reaching FI & Retiring Like a Stoic 52:46 Connect with Darius! 53:19 Find Joy in the Journey!  Check out more resources from this show on BiggerPockets.com and https://www.biggerpockets.com/blog/money-546  Interested in learning more about today’s sponsors or becoming a BiggerPockets partner yourself? Email advertise@biggerpockets.com]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[The road to financial independence isn’t always linear, but stoicism might be the secret ingredient that keeps you on track. This ancient philosophy gets a bad rap, but with its framework as your financial “operating system,” you’ll be able to weather all kinds of storms!  Welcome back to the BiggerPockets Money podcast! Today, Darius Foroux is a business owner, landlord, financial educator, and the author of eight books. But as a boy, he watched his family live paycheck to paycheck for many years. Vowing to one day become wealthy, Darius started saving every penny possible, only to find that practicing staunch frugality could only take him so far. After more than a decade of hard work and sacrifice, he had just $10,000 to his name and, after student loans, a negative net worth. But in 2015, Darius made a seismic mindset shift that propelled him to FI in just FIVE years!  In this episode, Darius dispels the myth that stoicism is about suppressing emotions and lacking empathy. Instead,]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
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<item>
	<title>545: Fat FI by 23: Building a 7-Figure Income &#038; 8-Figure Portfolio in 3 Years</title>
	<link>https://biggerpocketsmoney.com/podcast/545-fat-fi-by-23-building-a-7-figure-income-8-figure-portfolio-in-3-years/</link>
	<pubDate>Fri, 12 Jul 2024 06:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">4f6a8a14-8901-11ee-8f23-37268b051676</guid>
	<description><![CDATA[Fat FI and generational wealth in THREE years?! How is that possible? The sooner you forge good money habits, the sooner YOU can achieve your FI goal. Today’s guest wanted to build wealth as soon as possible, and in this episode, he will share the secrets to his enormous (and rapid) success!  Only a few years ago, Josh Janus was flipping sneakers he couldn’t afford and making DoorDash deliveries for a little cash. Today, he has a seven-figure income and an eight-figure real estate portfolio. Fat FI at the age of just twenty-three, Josh still has his entire life ahead of him and a significant net worth to deploy however he chooses. Will he continue to grind away as a real estate agent, working eighty-hour weeks and optimizing his time for even higherearnings? Or will he take his foot off the gas and enjoy some of the wealth he’s worked so hard to build?  Now, you may be in a very different season of life than Josh. After a family, career, and maybe even a late start to your FI journey, this explosive wealth-building trajectory might not be in the cards. But even if you don’t aspire to build a $15 million multifamily portfolio or revitalize your hometown, a few years of extreme discipline and sacrifice will unlock all kinds of financial opportunities. Tune in to Josh’s incredible story and find out how!  Support today’s show sponsor, BAM Capital, your path to generational wealth with premier real estate investment opportunities!   In This Episode We Cover How Josh achieved financial independence in just THREE years (at twenty-three!) How to grow a seven-figure income as a real estate agent and investor Building a large real estate portfolio (starting with little to no money!) Increasing your income by evaluating your schedule for delegable tasks How practicing discipline and sacrifice can fast-track your journey to FI And So Much More!  Links from the Show BiggerPockets Money Facebook Group Network with Other Investors on The Path to FIRE Through the BiggerPockets Forums Finance Review Guest Onboarding Join BiggerPockets for FREE Mindy on BiggerPockets Scott on BiggePockets Listen to All Your Favorite BiggerPockets Podcasts in One Place Apply to Be a Guest on The Money Show Podcast Talent Search! Find an Investor-Friendly Agent in Your Area Find Investor-Friendly Lenders Property Manager Finder See Scott and Kyle at BPCON2024 in Cancun! BiggerPockets Real Estate - Episode 749: From DoorDasher to $1.5 MILLION in Real Estate (All at 22 Years Old!) with Josh Janus  00:00 Intro 02:03 Josh’s Money Snapshot 10:34 What’s the End Goal? 13:13 Flipping Sneakers to Learning Real Estate 25:12 Becoming an Agent & Leaving College 28:52 $600K in Year ONE?! 35:16 The Real Cost of Success 43:52 “Seasons” of Life 49:04 Connect with Josh! 50:04 Hustle for Your FI Goal!  Check out more resources from this show on BiggerPockets.com and https://www.biggerpockets.com/blog/money-545  Interested in learning more about today’s sponsors or becoming a BiggerPockets partner yourself? Email advertise@biggerpockets.com]]></description>
	<itunes:subtitle><![CDATA[Fat FI and generational wealth in THREE years?! How is that possible? The sooner you forge good money habits, the sooner YOU can achieve your FI goal. Today’s guest wanted to build wealth as soon as possible, and in this episode, he will share the secret]]></itunes:subtitle>
	<content:encoded><![CDATA[Fat FI and generational wealth in THREE years?! How is that possible? The sooner you forge good money habits, the sooner YOU can achieve your FI goal. Today’s guest wanted to build wealth as soon as possible, and in this episode, he will share the secrets to his enormous (and rapid) success!  Only a few years ago, Josh Janus was flipping sneakers he couldn’t afford and making DoorDash deliveries for a little cash. Today, he has a seven-figure income and an eight-figure real estate portfolio. Fat FI at the age of just twenty-three, Josh still has his entire life ahead of him and a significant net worth to deploy however he chooses. Will he continue to grind away as a real estate agent, working eighty-hour weeks and optimizing his time for even higherearnings? Or will he take his foot off the gas and enjoy some of the wealth he’s worked so hard to build?  Now, you may be in a very different season of life than Josh. After a family, career, and maybe even a late start to your FI journey, this explosive wealth-building trajectory might not be in the cards. But even if you don’t aspire to build a $15 million multifamily portfolio or revitalize your hometown, a few years of extreme discipline and sacrifice will unlock all kinds of financial opportunities. Tune in to Josh’s incredible story and find out how!  Support today’s show sponsor, BAM Capital, your path to generational wealth with premier real estate investment opportunities!   In This Episode We Cover How Josh achieved financial independence in just THREE years (at twenty-three!) How to grow a seven-figure income as a real estate agent and investor Building a large real estate portfolio (starting with little to no money!) Increasing your income by evaluating your schedule for delegable tasks How practicing discipline and sacrifice can fast-track your journey to FI And So Much More!  Links from the Show BiggerPockets Money Facebook Group Network with Other Investors on The Path to FIRE Through the BiggerPockets Forums Finance Review Guest Onboarding Join BiggerPockets for FREE Mindy on BiggerPockets Scott on BiggePockets Listen to All Your Favorite BiggerPockets Podcasts in One Place Apply to Be a Guest on The Money Show Podcast Talent Search! Find an Investor-Friendly Agent in Your Area Find Investor-Friendly Lenders Property Manager Finder See Scott and Kyle at BPCON2024 in Cancun! BiggerPockets Real Estate - Episode 749: From DoorDasher to $1.5 MILLION in Real Estate (All at 22 Years Old!) with Josh Janus  00:00 Intro 02:03 Josh’s Money Snapshot 10:34 What’s the End Goal? 13:13 Flipping Sneakers to Learning Real Estate 25:12 Becoming an Agent & Leaving College 28:52 $600K in Year ONE?! 35:16 The Real Cost of Success 43:52 “Seasons” of Life 49:04 Connect with Josh! 50:04 Hustle for Your FI Goal!  Check out more resources from this show on BiggerPockets.com and https://www.biggerpockets.com/blog/money-545  Interested in learning more about today’s sponsors or becoming a BiggerPockets partner yourself? Email advertise@biggerpockets.com]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC8839812406.mp3" length="88037430" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[Fat FI and generational wealth in THREE years?! How is that possible? The sooner you forge good money habits, the sooner YOU can achieve your FI goal. Today’s guest wanted to build wealth as soon as possible, and in this episode, he will share the secrets to his enormous (and rapid) success!  Only a few years ago, Josh Janus was flipping sneakers he couldn’t afford and making DoorDash deliveries for a little cash. Today, he has a seven-figure income and an eight-figure real estate portfolio. Fat FI at the age of just twenty-three, Josh still has his entire life ahead of him and a significant net worth to deploy however he chooses. Will he continue to grind away as a real estate agent, working eighty-hour weeks and optimizing his time for even higherearnings? Or will he take his foot off the gas and enjoy some of the wealth he’s worked so hard to build?  Now, you may be in a very different season of life than Josh. After a family, career, and maybe even a late start to your FI journey, this explosive wealth-building trajectory might not be in the cards. But even if you don’t aspire to build a $15 million multifamily portfolio or revitalize your hometown, a few years of extreme discipline and sacrifice will unlock all kinds of financial opportunities. Tune in to Josh’s incredible story and find out how!  Support today’s show sponsor, BAM Capital, your path to generational wealth with premier real estate investment opportunities!   In This Episode We Cover How Josh achieved financial independence in just THREE years (at twenty-three!) How to grow a seven-figure income as a real estate agent and investor Building a large real estate portfolio (starting with little to no money!) Increasing your income by evaluating your schedule for delegable tasks How practicing discipline and sacrifice can fast-track your journey to FI And So Much More!  Links from the Show BiggerPockets Money Facebook Group Network with Other Investors on The Path to FIRE Through the BiggerPockets Forums Finance Review Guest Onboarding Join BiggerPockets for FREE Mindy on BiggerPockets Scott on BiggePockets Listen to All Your Favorite BiggerPockets Podcasts in One Place Apply to Be a Guest on The Money Show Podcast Talent Search! Find an Investor-Friendly Agent in Your Area Find Investor-Friendly Lenders Property Manager Finder See Scott and Kyle at BPCON2024 in Cancun! BiggerPockets Real Estate - Episode 749: From DoorDasher to $1.5 MILLION in Real Estate (All at 22 Years Old!) with Josh Janus  00:00 Intro 02:03 Josh’s Money Snapshot 10:34 What’s the End Goal? 13:13 Flipping Sneakers to Learning Real Estate 25:12 Becoming an Agent & Leaving College 28:52 $600K in Year ONE?! 35:16 The Real Cost of Success 43:52 “Seasons” of Life 49:04 Connect with Josh! 50:04 Hustle for Your FI Goal!  Check out more resources from this show on BiggerPockets.com and https://www.biggerpockets.com/blog/money-545  Interested in learning more about today’s sponsors or becoming a BiggerPockets partner yourself? Email advertise@biggerpockets.com]]></itunes:summary>
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	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[Fat FI and generational wealth in THREE years?! How is that possible? The sooner you forge good money habits, the sooner YOU can achieve your FI goal. Today’s guest wanted to build wealth as soon as possible, and in this episode, he will share the secrets to his enormous (and rapid) success!  Only a few years ago, Josh Janus was flipping sneakers he couldn’t afford and making DoorDash deliveries for a little cash. Today, he has a seven-figure income and an eight-figure real estate portfolio. Fat FI at the age of just twenty-three, Josh still has his entire life ahead of him and a significant net worth to deploy however he chooses. Will he continue to grind away as a real estate agent, working eighty-hour weeks and optimizing his time for even higherearnings? Or will he take his foot off the gas and enjoy some of the wealth he’s worked so hard to build?  Now, you may be in a very different season of life than Josh. After a family, career, and maybe even a late start to your FI journey,]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
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<item>
	<title>544: 80-Hour Workweeks to Lean FIRE in 8 Years through Real Estate</title>
	<link>https://biggerpocketsmoney.com/podcast/544-80-hour-workweeks-to-lean-fire-in-8-years-through-real-estate/</link>
	<pubDate>Tue, 09 Jul 2024 06:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">4dbc0080-8901-11ee-8f23-3764ea680bfe</guid>
	<description><![CDATA[Reaching financial independence and becoming a millionaire before the age of thirty?! While this path requires several years of ruthless saving, smart investing, and unwavering discipline, there’s no reason why YOU can’t enjoy financial freedom and attain the lifestyle you want!  Shortly after graduating from college with over $50,000 in student loans, Franklin Zheng found himself working a grueling, eighty-hour-per-week factory job. Fortunately, it was also around this time that he discovered BiggerPocketsand decided to try his hand at real estate investing. He started attending local meetups, where he learned that simply getting in the same room with other investors presented all kinds of opportunities. It wasn’t long before Franklin had found his future investing partner, and in just FIVE years, he has built a cash-flowing real estate portfolio of thirty-eight units, as well as a business that has allowed him to leave his W2 job and travel the world!  In this episode of the BiggerPockets Money podcast, you’ll get a glimpse of what it takes to achieve financial independence and amass a one-million-dollar net worth. Make no mistake—it’s not easy. Franklin will be the first to tell you that the last five years have been filled with all kinds of successes, challenges, and failures. But if he can do it, YOU can, too!  In This Episode We Cover How Franklin reached financial independence by thirty in just FIVE years What you MUST know before investing in commercial real estate Fast-tracking your real estate journey through the power of local meetups How to start a real estate business that allows you to leave your W2 job The secret to forming successful real estate investing partnerships How to defer capital gains tax on your rental property with a 1031 exchange And So Much More!  Links from the Show BiggerPockets Money Facebook Group Network with Other Investors on The Path to FIRE Through the BiggerPockets Forums Finance Review Guest Onboarding Join BiggerPockets for FREE Mindy on BiggerPockets Scott on BiggePockets Listen to All Your Favorite BiggerPockets Podcasts in One Place Apply to Be a Guest on The Money Show Podcast Talent Search! Find an Investor-Friendly Agent in Your Area Find Investor-Friendly Lenders Property Manager Finder Connect with Franklin on BiggerPockets See Scott and Mindy at BPCON2024 in Cancun! Check Out the Top 100 Cash Flow Markets Find a Local Real Estate Meetup Find Answers to Your Real Estate Questions on the BiggerPockets Forums  00:00 Intro 01:10 The 80-Hour Factory Job 08:17 Real Estate Meetups & Partnerships 16:48 Renting to Attorneys 19:32 Selling the Office Building 23:07 “Unicorn” Rentals & 38 Units! 29:14 Starting the Lending Business 32:47 Leaving His W2 & Traveling the World 36:27 Put in the Work!  Check out more resources from this show on BiggerPockets.com and https://www.biggerpockets.com/blog/money-544  Interested in learning more about today’s sponsors or becoming a BiggerPockets partner yourself? Email advertise@biggerpockets.com]]></description>
	<itunes:subtitle><![CDATA[Reaching financial independence and becoming a millionaire before the age of thirty?! While this path requires several years of ruthless saving, smart investing, and unwavering discipline, there’s no reason why YOU can’t enjoy financial freedom and attai]]></itunes:subtitle>
	<content:encoded><![CDATA[Reaching financial independence and becoming a millionaire before the age of thirty?! While this path requires several years of ruthless saving, smart investing, and unwavering discipline, there’s no reason why YOU can’t enjoy financial freedom and attain the lifestyle you want!  Shortly after graduating from college with over $50,000 in student loans, Franklin Zheng found himself working a grueling, eighty-hour-per-week factory job. Fortunately, it was also around this time that he discovered BiggerPocketsand decided to try his hand at real estate investing. He started attending local meetups, where he learned that simply getting in the same room with other investors presented all kinds of opportunities. It wasn’t long before Franklin had found his future investing partner, and in just FIVE years, he has built a cash-flowing real estate portfolio of thirty-eight units, as well as a business that has allowed him to leave his W2 job and travel the world!  In this episode of the BiggerPockets Money podcast, you’ll get a glimpse of what it takes to achieve financial independence and amass a one-million-dollar net worth. Make no mistake—it’s not easy. Franklin will be the first to tell you that the last five years have been filled with all kinds of successes, challenges, and failures. But if he can do it, YOU can, too!  In This Episode We Cover How Franklin reached financial independence by thirty in just FIVE years What you MUST know before investing in commercial real estate Fast-tracking your real estate journey through the power of local meetups How to start a real estate business that allows you to leave your W2 job The secret to forming successful real estate investing partnerships How to defer capital gains tax on your rental property with a 1031 exchange And So Much More!  Links from the Show BiggerPockets Money Facebook Group Network with Other Investors on The Path to FIRE Through the BiggerPockets Forums Finance Review Guest Onboarding Join BiggerPockets for FREE Mindy on BiggerPockets Scott on BiggePockets Listen to All Your Favorite BiggerPockets Podcasts in One Place Apply to Be a Guest on The Money Show Podcast Talent Search! Find an Investor-Friendly Agent in Your Area Find Investor-Friendly Lenders Property Manager Finder Connect with Franklin on BiggerPockets See Scott and Mindy at BPCON2024 in Cancun! Check Out the Top 100 Cash Flow Markets Find a Local Real Estate Meetup Find Answers to Your Real Estate Questions on the BiggerPockets Forums  00:00 Intro 01:10 The 80-Hour Factory Job 08:17 Real Estate Meetups & Partnerships 16:48 Renting to Attorneys 19:32 Selling the Office Building 23:07 “Unicorn” Rentals & 38 Units! 29:14 Starting the Lending Business 32:47 Leaving His W2 & Traveling the World 36:27 Put in the Work!  Check out more resources from this show on BiggerPockets.com and https://www.biggerpockets.com/blog/money-544  Interested in learning more about today’s sponsors or becoming a BiggerPockets partner yourself? Email advertise@biggerpockets.com]]></content:encoded>
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	<itunes:summary><![CDATA[Reaching financial independence and becoming a millionaire before the age of thirty?! While this path requires several years of ruthless saving, smart investing, and unwavering discipline, there’s no reason why YOU can’t enjoy financial freedom and attain the lifestyle you want!  Shortly after graduating from college with over $50,000 in student loans, Franklin Zheng found himself working a grueling, eighty-hour-per-week factory job. Fortunately, it was also around this time that he discovered BiggerPocketsand decided to try his hand at real estate investing. He started attending local meetups, where he learned that simply getting in the same room with other investors presented all kinds of opportunities. It wasn’t long before Franklin had found his future investing partner, and in just FIVE years, he has built a cash-flowing real estate portfolio of thirty-eight units, as well as a business that has allowed him to leave his W2 job and travel the world!  In this episode of the BiggerPockets Money podcast, you’ll get a glimpse of what it takes to achieve financial independence and amass a one-million-dollar net worth. Make no mistake—it’s not easy. Franklin will be the first to tell you that the last five years have been filled with all kinds of successes, challenges, and failures. But if he can do it, YOU can, too!  In This Episode We Cover How Franklin reached financial independence by thirty in just FIVE years What you MUST know before investing in commercial real estate Fast-tracking your real estate journey through the power of local meetups How to start a real estate business that allows you to leave your W2 job The secret to forming successful real estate investing partnerships How to defer capital gains tax on your rental property with a 1031 exchange And So Much More!  Links from the Show BiggerPockets Money Facebook Group Network with Other Investors on The Path to FIRE Through the BiggerPockets Forums Finance Review Guest Onboarding Join BiggerPockets for FREE Mindy on BiggerPockets Scott on BiggePockets Listen to All Your Favorite BiggerPockets Podcasts in One Place Apply to Be a Guest on The Money Show Podcast Talent Search! Find an Investor-Friendly Agent in Your Area Find Investor-Friendly Lenders Property Manager Finder Connect with Franklin on BiggerPockets See Scott and Mindy at BPCON2024 in Cancun! Check Out the Top 100 Cash Flow Markets Find a Local Real Estate Meetup Find Answers to Your Real Estate Questions on the BiggerPockets Forums  00:00 Intro 01:10 The 80-Hour Factory Job 08:17 Real Estate Meetups & Partnerships 16:48 Renting to Attorneys 19:32 Selling the Office Building 23:07 “Unicorn” Rentals & 38 Units! 29:14 Starting the Lending Business 32:47 Leaving His W2 & Traveling the World 36:27 Put in the Work!  Check out more resources from this show on BiggerPockets.com and https://www.biggerpockets.com/blog/money-544  Interested in learning more about today’s sponsors or becoming a BiggerPockets partner yourself? Email advertise@biggerpockets.com]]></itunes:summary>
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	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[Reaching financial independence and becoming a millionaire before the age of thirty?! While this path requires several years of ruthless saving, smart investing, and unwavering discipline, there’s no reason why YOU can’t enjoy financial freedom and attain the lifestyle you want!  Shortly after graduating from college with over $50,000 in student loans, Franklin Zheng found himself working a grueling, eighty-hour-per-week factory job. Fortunately, it was also around this time that he discovered BiggerPocketsand decided to try his hand at real estate investing. He started attending local meetups, where he learned that simply getting in the same room with other investors presented all kinds of opportunities. It wasn’t long before Franklin had found his future investing partner, and in just FIVE years, he has built a cash-flowing real estate portfolio of thirty-eight units, as well as a business that has allowed him to leave his W2 job and travel the world!  In this episode of the BiggerP]]></googleplay:description>
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<item>
	<title>543: Finance Friday: How the “Middle-Class Trap” Stops Your Early Retirement</title>
	<link>https://biggerpocketsmoney.com/podcast/543-finance-friday-how-the-middle-class-trap-stops-your-early-retirement/</link>
	<pubDate>Fri, 05 Jul 2024 06:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">4f1439c0-8901-11ee-8f23-8392e8817bfe</guid>
	<description><![CDATA[You dream of retiring early, but you’re stuck in the “middle-class trap.” You’ve built up a solid net worth, maybe own a rental property or two, and on paper, you look like you’re on track to make it rich. But in reality, you don’t feel that way. With all your wealth tied up in home equity or retirement accounts, your “early” retirement may have to be pushed to the traditional age of sixty-five. So, how do you free up some of this wealth so you can start accessing it today to retire early tomorrow?  This is the question Emily and Justin are struggling to answer. They’ve gone from nothing to a substantial net worth—$1,500,000! With big dreams to travel internationally and retire from their jobs in twelve years, they’re wondering if they can still make it to early retirement AND if they can do so while enjoying life a little bit more today. Mindy and Scott offer some unconventional advice for the personal finance space, but it may help this couple feel more secure so they can start living today instead of waiting to finally retire in twelve years!  Support today’s show sponsor, BAM Capital, your path to generational wealth with premier real estate investment opportunities!   In This Episode We Cover The “middle-class trap” that stops even millionaires from retiring early Why you should NOT sacrifice everything now just to retire a few years earlier  What to do when you struggle to spend more, even on the things you love Paying off your primary residence early vs. keeping a low-interest mortgage (and what to do with the money instead!) Putting your pension into your net worth calculation (and how it can get you closer to FIRE!) Roth conversion ladders and the smart way to save significantly on taxes in retirement  And So Much More!  Links from the Show BiggerPockets Money Facebook Group Network with Other Investors on The Path to FIRE Through the BiggerPockets Forums Finance Review Guest Onboarding Join BiggerPockets for FREE Mindy on BiggerPockets Scott on BiggePockets Listen to All Your Favorite BiggerPockets Podcasts in One Place Apply to Be a Guest on The Money Show Podcast Talent Search! Find an Investor-Friendly Agent in Your Area Find Investor-Friendly Lenders Property Manager Finder Apply to Be a Finance Friday Guest How to Access Retirement Funds Early How to Estimate Capital Expenses On a Rental Property See Mindy and Scott at BPCON2024 in Cancun! Ramit Sethi’s Money Advice for Couples: Live a Rich Life, Together  00:00 Intro 02:19 Frugal Beginnings  07:58 Big Retirement Goals  13:48 Financial Snapshot  14:50 Struggling to Spend Money? 24:18 Can We Retire in 12 Years? 36:45 A HUGE Extra Income Source  45:46 Loosen Up Your Budget! 52:13 Retire Even Earlier?  01:02:09 Emergency Reserves for Rental Properties  01:07:51 Don't Get Caught in The Trap!  Check out more resources from this show on BiggerPockets.com and https://www.biggerpockets.com/blog/money-543  Interested in learning more about today’s sponsors or becoming a BiggerPockets partner yourself? Email advertise@biggerpockets.com]]></description>
	<itunes:subtitle><![CDATA[You dream of retiring early, but you’re stuck in the “middle-class trap.” You’ve built up a solid net worth, maybe own a rental property or two, and on paper, you look like you’re on track to make it rich. But in reality, you don’t feel that way. With al]]></itunes:subtitle>
	<content:encoded><![CDATA[You dream of retiring early, but you’re stuck in the “middle-class trap.” You’ve built up a solid net worth, maybe own a rental property or two, and on paper, you look like you’re on track to make it rich. But in reality, you don’t feel that way. With all your wealth tied up in home equity or retirement accounts, your “early” retirement may have to be pushed to the traditional age of sixty-five. So, how do you free up some of this wealth so you can start accessing it today to retire early tomorrow?  This is the question Emily and Justin are struggling to answer. They’ve gone from nothing to a substantial net worth—$1,500,000! With big dreams to travel internationally and retire from their jobs in twelve years, they’re wondering if they can still make it to early retirement AND if they can do so while enjoying life a little bit more today. Mindy and Scott offer some unconventional advice for the personal finance space, but it may help this couple feel more secure so they can start living today instead of waiting to finally retire in twelve years!  Support today’s show sponsor, BAM Capital, your path to generational wealth with premier real estate investment opportunities!   In This Episode We Cover The “middle-class trap” that stops even millionaires from retiring early Why you should NOT sacrifice everything now just to retire a few years earlier  What to do when you struggle to spend more, even on the things you love Paying off your primary residence early vs. keeping a low-interest mortgage (and what to do with the money instead!) Putting your pension into your net worth calculation (and how it can get you closer to FIRE!) Roth conversion ladders and the smart way to save significantly on taxes in retirement  And So Much More!  Links from the Show BiggerPockets Money Facebook Group Network with Other Investors on The Path to FIRE Through the BiggerPockets Forums Finance Review Guest Onboarding Join BiggerPockets for FREE Mindy on BiggerPockets Scott on BiggePockets Listen to All Your Favorite BiggerPockets Podcasts in One Place Apply to Be a Guest on The Money Show Podcast Talent Search! Find an Investor-Friendly Agent in Your Area Find Investor-Friendly Lenders Property Manager Finder Apply to Be a Finance Friday Guest How to Access Retirement Funds Early How to Estimate Capital Expenses On a Rental Property See Mindy and Scott at BPCON2024 in Cancun! Ramit Sethi’s Money Advice for Couples: Live a Rich Life, Together  00:00 Intro 02:19 Frugal Beginnings  07:58 Big Retirement Goals  13:48 Financial Snapshot  14:50 Struggling to Spend Money? 24:18 Can We Retire in 12 Years? 36:45 A HUGE Extra Income Source  45:46 Loosen Up Your Budget! 52:13 Retire Even Earlier?  01:02:09 Emergency Reserves for Rental Properties  01:07:51 Don't Get Caught in The Trap!  Check out more resources from this show on BiggerPockets.com and https://www.biggerpockets.com/blog/money-543  Interested in learning more about today’s sponsors or becoming a BiggerPockets partner yourself? Email advertise@biggerpockets.com]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC3521405820.mp3" length="112665986" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[You dream of retiring early, but you’re stuck in the “middle-class trap.” You’ve built up a solid net worth, maybe own a rental property or two, and on paper, you look like you’re on track to make it rich. But in reality, you don’t feel that way. With all your wealth tied up in home equity or retirement accounts, your “early” retirement may have to be pushed to the traditional age of sixty-five. So, how do you free up some of this wealth so you can start accessing it today to retire early tomorrow?  This is the question Emily and Justin are struggling to answer. They’ve gone from nothing to a substantial net worth—$1,500,000! With big dreams to travel internationally and retire from their jobs in twelve years, they’re wondering if they can still make it to early retirement AND if they can do so while enjoying life a little bit more today. Mindy and Scott offer some unconventional advice for the personal finance space, but it may help this couple feel more secure so they can start living today instead of waiting to finally retire in twelve years!  Support today’s show sponsor, BAM Capital, your path to generational wealth with premier real estate investment opportunities!   In This Episode We Cover The “middle-class trap” that stops even millionaires from retiring early Why you should NOT sacrifice everything now just to retire a few years earlier  What to do when you struggle to spend more, even on the things you love Paying off your primary residence early vs. keeping a low-interest mortgage (and what to do with the money instead!) Putting your pension into your net worth calculation (and how it can get you closer to FIRE!) Roth conversion ladders and the smart way to save significantly on taxes in retirement  And So Much More!  Links from the Show BiggerPockets Money Facebook Group Network with Other Investors on The Path to FIRE Through the BiggerPockets Forums Finance Review Guest Onboarding Join BiggerPockets for FREE Mindy on BiggerPockets Scott on BiggePockets Listen to All Your Favorite BiggerPockets Podcasts in One Place Apply to Be a Guest on The Money Show Podcast Talent Search! Find an Investor-Friendly Agent in Your Area Find Investor-Friendly Lenders Property Manager Finder Apply to Be a Finance Friday Guest How to Access Retirement Funds Early How to Estimate Capital Expenses On a Rental Property See Mindy and Scott at BPCON2024 in Cancun! Ramit Sethi’s Money Advice for Couples: Live a Rich Life, Together  00:00 Intro 02:19 Frugal Beginnings  07:58 Big Retirement Goals  13:48 Financial Snapshot  14:50 Struggling to Spend Money? 24:18 Can We Retire in 12 Years? 36:45 A HUGE Extra Income Source  45:46 Loosen Up Your Budget! 52:13 Retire Even Earlier?  01:02:09 Emergency Reserves for Rental Properties  01:07:51 Don't Get Caught in The Trap!  Check out more resources from this show on BiggerPockets.com and https://www.biggerpockets.com/blog/money-543  Interested in learning more about today’s sponsors or becoming a BiggerPockets partner yourself? Email advertise@biggerpockets.com]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[You dream of retiring early, but you’re stuck in the “middle-class trap.” You’ve built up a solid net worth, maybe own a rental property or two, and on paper, you look like you’re on track to make it rich. But in reality, you don’t feel that way. With all your wealth tied up in home equity or retirement accounts, your “early” retirement may have to be pushed to the traditional age of sixty-five. So, how do you free up some of this wealth so you can start accessing it today to retire early tomorrow?  This is the question Emily and Justin are struggling to answer. They’ve gone from nothing to a substantial net worth—$1,500,000! With big dreams to travel internationally and retire from their jobs in twelve years, they’re wondering if they can still make it to early retirement AND if they can do so while enjoying life a little bit more today. Mindy and Scott offer some unconventional advice for the personal finance space, but it may help this couple feel more secure so they can start livi]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
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<item>
	<title>542: DIY Finance Friday: How to Create a Customized Path to Financial Independence</title>
	<link>https://biggerpocketsmoney.com/podcast/542-diy-finance-friday-how-to-create-a-customized-path-to-financial-independence/</link>
	<pubDate>Tue, 02 Jul 2024 06:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">4d6592e0-8901-11ee-8f23-9f934165c420</guid>
	<description><![CDATA[Want a personalized financial independence plan that’ll get you closer to early retirement? Well, we’ve got just what you’re looking for! On this second annual “Financial Independence Day,” Mindy and Scott are sharing a new way to get you to financial freedom faster. With so many applications for our “Finance Friday” series, we decided to make a downloadable that allows you to do your own personal finance review AND build a faster path to FIRE!  But before you start filling out your financial independence plan, listen to this episode. We review some common traps and pitfalls that have stopped our Finance Friday guests from achieving financial freedom. We’ll explain exactly what each net worth bracket should focus on, how to get through the saving and investing “grind” to FIRE, and the biggest mistake most people make that will STOP them from ever finding financial independence.  Want to reach financial independence faster? Download the DIY Finance Friday document here, and if you want Mindy and Scott’s personalized suggestions, apply to be a Finance Friday guest!   In This Episode We Cover How to build your own plan for financial independence and reach early retirement faster Coming up with your financial snapshot to see a complete picture of your net worth The biggest opportunities to reach FIRE for different net worth brackets The “middle-class trap” that will stop you from retiring early (even if you’re wealthy) Getting through “the grind” and how to know you’re on the right path for FIRE Whether building wealth comes through a “process” or a “single event,” and how to combine both And So Much More!  Links from the Show BiggerPockets Money Facebook Group Network with Other Investors on The Path to FIRE Through the BiggerPockets Forums Finance Review Guest Onboarding Join BiggerPockets for FREE Scott on BiggePockets Listen to All Your Favorite BiggerPockets Podcasts in One Place Apply to Be a Guest on The Money Show Podcast Talent Search! Find an Investor-Friendly Agent in Your Area Find Investor-Friendly Lenders Property Manager Finde Apply to Be a Finance Friday Guest BiggerPockets Money 426 - The New Path to Financial Independence is HERE BiggerPockets Money 157 - The Money Date: What You Should (And Definitely Should Not) Do to Align Your Finances as a Couple BiggerPockets Personal Finance Forum Review Mindy’s Budget See Mindy and Scott at BPCON2024 in Cancun! Scott Trench’s Step-by-Step Guide to Building Your Perfect, 1-Page Investment Plan  00:00 Intro 01:59 FIRE for DIYers 04:45 Your Financial Snapshot  15:25 Opportunities for FI 23:08 Avoiding the “Middle-Class Trap” 32:58 Getting Through The “Grind” 39:32 You NEED Both of These  44:24 Changing Your Path to FIRE  52:07 Happy FI Day!  Check out more resources from this show on BiggerPockets.com and https://www.biggerpockets.com/blog/money-542  Interested in learning more about today’s sponsors or becoming a BiggerPockets partner yourself? Email advertise@biggerpockets.com]]></description>
	<itunes:subtitle><![CDATA[Want a personalized financial independence plan that’ll get you closer to early retirement? Well, we’ve got just what you’re looking for! On this second annual “Financial Independence Day,” Mindy and Scott are sharing a new way to get you to financial fr]]></itunes:subtitle>
	<content:encoded><![CDATA[Want a personalized financial independence plan that’ll get you closer to early retirement? Well, we’ve got just what you’re looking for! On this second annual “Financial Independence Day,” Mindy and Scott are sharing a new way to get you to financial freedom faster. With so many applications for our “Finance Friday” series, we decided to make a downloadable that allows you to do your own personal finance review AND build a faster path to FIRE!  But before you start filling out your financial independence plan, listen to this episode. We review some common traps and pitfalls that have stopped our Finance Friday guests from achieving financial freedom. We’ll explain exactly what each net worth bracket should focus on, how to get through the saving and investing “grind” to FIRE, and the biggest mistake most people make that will STOP them from ever finding financial independence.  Want to reach financial independence faster? Download the DIY Finance Friday document here, and if you want Mindy and Scott’s personalized suggestions, apply to be a Finance Friday guest!   In This Episode We Cover How to build your own plan for financial independence and reach early retirement faster Coming up with your financial snapshot to see a complete picture of your net worth The biggest opportunities to reach FIRE for different net worth brackets The “middle-class trap” that will stop you from retiring early (even if you’re wealthy) Getting through “the grind” and how to know you’re on the right path for FIRE Whether building wealth comes through a “process” or a “single event,” and how to combine both And So Much More!  Links from the Show BiggerPockets Money Facebook Group Network with Other Investors on The Path to FIRE Through the BiggerPockets Forums Finance Review Guest Onboarding Join BiggerPockets for FREE Scott on BiggePockets Listen to All Your Favorite BiggerPockets Podcasts in One Place Apply to Be a Guest on The Money Show Podcast Talent Search! Find an Investor-Friendly Agent in Your Area Find Investor-Friendly Lenders Property Manager Finde Apply to Be a Finance Friday Guest BiggerPockets Money 426 - The New Path to Financial Independence is HERE BiggerPockets Money 157 - The Money Date: What You Should (And Definitely Should Not) Do to Align Your Finances as a Couple BiggerPockets Personal Finance Forum Review Mindy’s Budget See Mindy and Scott at BPCON2024 in Cancun! Scott Trench’s Step-by-Step Guide to Building Your Perfect, 1-Page Investment Plan  00:00 Intro 01:59 FIRE for DIYers 04:45 Your Financial Snapshot  15:25 Opportunities for FI 23:08 Avoiding the “Middle-Class Trap” 32:58 Getting Through The “Grind” 39:32 You NEED Both of These  44:24 Changing Your Path to FIRE  52:07 Happy FI Day!  Check out more resources from this show on BiggerPockets.com and https://www.biggerpockets.com/blog/money-542  Interested in learning more about today’s sponsors or becoming a BiggerPockets partner yourself? Email advertise@biggerpockets.com]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC2435942863.mp3" length="89368665" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[Want a personalized financial independence plan that’ll get you closer to early retirement? Well, we’ve got just what you’re looking for! On this second annual “Financial Independence Day,” Mindy and Scott are sharing a new way to get you to financial freedom faster. With so many applications for our “Finance Friday” series, we decided to make a downloadable that allows you to do your own personal finance review AND build a faster path to FIRE!  But before you start filling out your financial independence plan, listen to this episode. We review some common traps and pitfalls that have stopped our Finance Friday guests from achieving financial freedom. We’ll explain exactly what each net worth bracket should focus on, how to get through the saving and investing “grind” to FIRE, and the biggest mistake most people make that will STOP them from ever finding financial independence.  Want to reach financial independence faster? Download the DIY Finance Friday document here, and if you want Mindy and Scott’s personalized suggestions, apply to be a Finance Friday guest!   In This Episode We Cover How to build your own plan for financial independence and reach early retirement faster Coming up with your financial snapshot to see a complete picture of your net worth The biggest opportunities to reach FIRE for different net worth brackets The “middle-class trap” that will stop you from retiring early (even if you’re wealthy) Getting through “the grind” and how to know you’re on the right path for FIRE Whether building wealth comes through a “process” or a “single event,” and how to combine both And So Much More!  Links from the Show BiggerPockets Money Facebook Group Network with Other Investors on The Path to FIRE Through the BiggerPockets Forums Finance Review Guest Onboarding Join BiggerPockets for FREE Scott on BiggePockets Listen to All Your Favorite BiggerPockets Podcasts in One Place Apply to Be a Guest on The Money Show Podcast Talent Search! Find an Investor-Friendly Agent in Your Area Find Investor-Friendly Lenders Property Manager Finde Apply to Be a Finance Friday Guest BiggerPockets Money 426 - The New Path to Financial Independence is HERE BiggerPockets Money 157 - The Money Date: What You Should (And Definitely Should Not) Do to Align Your Finances as a Couple BiggerPockets Personal Finance Forum Review Mindy’s Budget See Mindy and Scott at BPCON2024 in Cancun! Scott Trench’s Step-by-Step Guide to Building Your Perfect, 1-Page Investment Plan  00:00 Intro 01:59 FIRE for DIYers 04:45 Your Financial Snapshot  15:25 Opportunities for FI 23:08 Avoiding the “Middle-Class Trap” 32:58 Getting Through The “Grind” 39:32 You NEED Both of These  44:24 Changing Your Path to FIRE  52:07 Happy FI Day!  Check out more resources from this show on BiggerPockets.com and https://www.biggerpockets.com/blog/money-542  Interested in learning more about today’s sponsors or becoming a BiggerPockets partner yourself? Email advertise@biggerpockets.com]]></itunes:summary>
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	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[Want a personalized financial independence plan that’ll get you closer to early retirement? Well, we’ve got just what you’re looking for! On this second annual “Financial Independence Day,” Mindy and Scott are sharing a new way to get you to financial freedom faster. With so many applications for our “Finance Friday” series, we decided to make a downloadable that allows you to do your own personal finance review AND build a faster path to FIRE!  But before you start filling out your financial independence plan, listen to this episode. We review some common traps and pitfalls that have stopped our Finance Friday guests from achieving financial freedom. We’ll explain exactly what each net worth bracket should focus on, how to get through the saving and investing “grind” to FIRE, and the biggest mistake most people make that will STOP them from ever finding financial independence.  Want to reach financial independence faster? Download the DIY Finance Friday document here, and if you want]]></googleplay:description>
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<item>
	<title>541: Finance Friday: I&#8217;ve Got $150K Student Debt at 6.95%, Should I Invest?</title>
	<link>https://biggerpocketsmoney.com/podcast/541-finance-friday-ive-got-150k-student-debt-at-6-95-should-i-invest/</link>
	<pubDate>Fri, 28 Jun 2024 06:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
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	<description><![CDATA[Student loan debt can easily get in the way of financial independence, especially if there’s a high interest rate attached to your loans. But should you pay down this debt at the expense of investing for the future? There are several factors we’re going to explore in today’s episode!  Lauren is a physician assistant with a stable W2 job, a house hack, and a side hustle that provides her with a little “fun” money each month. But as she and her partner work toward their goal of reaching FI in twenty years, they’ve got some money issues to work out—namely, how to tackle the $150,000 in student loans hanging over their heads. Should they pay down this debt, invest in real estate, or both? Should they put their retirement contributions on hold? One day, they hope to travel the world and enjoy their favorite pastime, kitesurfing! But should they fast-track this dream before planning for a family?  Lauren is at a crossroads in her journey to FI, and in today’s episode, Scott and Mindy will provide her with an actionable blueprint she can use to achieve her financial goals, career aspirations, and dream lifestyle. Along the way, you’ll learn when to prioritize aggressive debt paydown, how to strike the perfect investment portfolio mix, and important things to consider before starting a family!  Support today's show sponsor, BAM Capital, your path to generational wealth with premier real estate investment opportunities!   In This Episode We Cover When to pay down student loan debt rather than invest in real estate Why buying rental property today will leave you with more cash flow in retirement How to financially plan for weddings, honeymoons, children, and other BIG expenses Paying off your primary residence versus buying MORE rental properties How to improve asset allocation with a mix of rentals and retirement accounts And So Much More!  Links from the Show BiggerPockets Money Facebook Group Network with Other Investors on The Path to FIRE Through the BiggerPockets Forums Finance Review Guest Onboarding Join BiggerPockets for FREE Mindy on BiggerPockets Scott on BiggePockets Listen to All Your Favorite BiggerPockets Podcasts in One Place Apply to Be a Guest on The Money Show Podcast Talent Search! Find an Investor-Friendly Agent in Your Area Find Investor-Friendly Lenders Property Manager Finder See Scott and Mindy at BPCON2024 in Cancun! BiggerPockets Money - Episode 35: Hacking Your Life to Live for (Almost) Free with Craig Curelop BiggerPockets Money - Episode 514: How to “Travel Hack” Like a Pro and Get FREE Flights, Hotel Stays, and More!  00:00 Intro 01:25 Financial “Wellness” 07:01 Lauren’s Money Snapshot 15:51 MAJOR Career Decisions 22:15 FI in 20 Years (or Fewer!) 27:53 Paying Off $150K Student Loans 36:07 Weddings, Honeymoons, & Kids 44:55 Kitesurfing & Traveling the World! 57:39 Pay Down the Mortgage? 01:02:54 Enjoy Life AND Build Wealth!  Check out more resources from this show on BiggerPockets.com and https://www.biggerpockets.com/blog/money-541  Interested in learning more about today’s sponsors or becoming a BiggerPockets partner yourself? Email advertise@biggerpockets.com]]></description>
	<itunes:subtitle><![CDATA[Student loan debt can easily get in the way of financial independence, especially if there’s a high interest rate attached to your loans. But should you pay down this debt at the expense of investing for the future? There are several factors we’re going ]]></itunes:subtitle>
	<content:encoded><![CDATA[Student loan debt can easily get in the way of financial independence, especially if there’s a high interest rate attached to your loans. But should you pay down this debt at the expense of investing for the future? There are several factors we’re going to explore in today’s episode!  Lauren is a physician assistant with a stable W2 job, a house hack, and a side hustle that provides her with a little “fun” money each month. But as she and her partner work toward their goal of reaching FI in twenty years, they’ve got some money issues to work out—namely, how to tackle the $150,000 in student loans hanging over their heads. Should they pay down this debt, invest in real estate, or both? Should they put their retirement contributions on hold? One day, they hope to travel the world and enjoy their favorite pastime, kitesurfing! But should they fast-track this dream before planning for a family?  Lauren is at a crossroads in her journey to FI, and in today’s episode, Scott and Mindy will provide her with an actionable blueprint she can use to achieve her financial goals, career aspirations, and dream lifestyle. Along the way, you’ll learn when to prioritize aggressive debt paydown, how to strike the perfect investment portfolio mix, and important things to consider before starting a family!  Support today's show sponsor, BAM Capital, your path to generational wealth with premier real estate investment opportunities!   In This Episode We Cover When to pay down student loan debt rather than invest in real estate Why buying rental property today will leave you with more cash flow in retirement How to financially plan for weddings, honeymoons, children, and other BIG expenses Paying off your primary residence versus buying MORE rental properties How to improve asset allocation with a mix of rentals and retirement accounts And So Much More!  Links from the Show BiggerPockets Money Facebook Group Network with Other Investors on The Path to FIRE Through the BiggerPockets Forums Finance Review Guest Onboarding Join BiggerPockets for FREE Mindy on BiggerPockets Scott on BiggePockets Listen to All Your Favorite BiggerPockets Podcasts in One Place Apply to Be a Guest on The Money Show Podcast Talent Search! Find an Investor-Friendly Agent in Your Area Find Investor-Friendly Lenders Property Manager Finder See Scott and Mindy at BPCON2024 in Cancun! BiggerPockets Money - Episode 35: Hacking Your Life to Live for (Almost) Free with Craig Curelop BiggerPockets Money - Episode 514: How to “Travel Hack” Like a Pro and Get FREE Flights, Hotel Stays, and More!  00:00 Intro 01:25 Financial “Wellness” 07:01 Lauren’s Money Snapshot 15:51 MAJOR Career Decisions 22:15 FI in 20 Years (or Fewer!) 27:53 Paying Off $150K Student Loans 36:07 Weddings, Honeymoons, & Kids 44:55 Kitesurfing & Traveling the World! 57:39 Pay Down the Mortgage? 01:02:54 Enjoy Life AND Build Wealth!  Check out more resources from this show on BiggerPockets.com and https://www.biggerpockets.com/blog/money-541  Interested in learning more about today’s sponsors or becoming a BiggerPockets partner yourself? Email advertise@biggerpockets.com]]></content:encoded>
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	<itunes:summary><![CDATA[Student loan debt can easily get in the way of financial independence, especially if there’s a high interest rate attached to your loans. But should you pay down this debt at the expense of investing for the future? There are several factors we’re going to explore in today’s episode!  Lauren is a physician assistant with a stable W2 job, a house hack, and a side hustle that provides her with a little “fun” money each month. But as she and her partner work toward their goal of reaching FI in twenty years, they’ve got some money issues to work out—namely, how to tackle the $150,000 in student loans hanging over their heads. Should they pay down this debt, invest in real estate, or both? Should they put their retirement contributions on hold? One day, they hope to travel the world and enjoy their favorite pastime, kitesurfing! But should they fast-track this dream before planning for a family?  Lauren is at a crossroads in her journey to FI, and in today’s episode, Scott and Mindy will provide her with an actionable blueprint she can use to achieve her financial goals, career aspirations, and dream lifestyle. Along the way, you’ll learn when to prioritize aggressive debt paydown, how to strike the perfect investment portfolio mix, and important things to consider before starting a family!  Support today's show sponsor, BAM Capital, your path to generational wealth with premier real estate investment opportunities!   In This Episode We Cover When to pay down student loan debt rather than invest in real estate Why buying rental property today will leave you with more cash flow in retirement How to financially plan for weddings, honeymoons, children, and other BIG expenses Paying off your primary residence versus buying MORE rental properties How to improve asset allocation with a mix of rentals and retirement accounts And So Much More!  Links from the Show BiggerPockets Money Facebook Group Network with Other Investors on The Path to FIRE Through the BiggerPockets Forums Finance Review Guest Onboarding Join BiggerPockets for FREE Mindy on BiggerPockets Scott on BiggePockets Listen to All Your Favorite BiggerPockets Podcasts in One Place Apply to Be a Guest on The Money Show Podcast Talent Search! Find an Investor-Friendly Agent in Your Area Find Investor-Friendly Lenders Property Manager Finder See Scott and Mindy at BPCON2024 in Cancun! BiggerPockets Money - Episode 35: Hacking Your Life to Live for (Almost) Free with Craig Curelop BiggerPockets Money - Episode 514: How to “Travel Hack” Like a Pro and Get FREE Flights, Hotel Stays, and More!  00:00 Intro 01:25 Financial “Wellness” 07:01 Lauren’s Money Snapshot 15:51 MAJOR Career Decisions 22:15 FI in 20 Years (or Fewer!) 27:53 Paying Off $150K Student Loans 36:07 Weddings, Honeymoons, & Kids 44:55 Kitesurfing & Traveling the World! 57:39 Pay Down the Mortgage? 01:02:54 Enjoy Life AND Build Wealth!  Check out more resources from this show on BiggerPockets.com and https://www.biggerpockets.com/blog/money-541  Interested in learning more about today’s sponsors or becoming a BiggerPockets partner yourself? Email advertise@biggerpockets.com]]></itunes:summary>
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	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[Student loan debt can easily get in the way of financial independence, especially if there’s a high interest rate attached to your loans. But should you pay down this debt at the expense of investing for the future? There are several factors we’re going to explore in today’s episode!  Lauren is a physician assistant with a stable W2 job, a house hack, and a side hustle that provides her with a little “fun” money each month. But as she and her partner work toward their goal of reaching FI in twenty years, they’ve got some money issues to work out—namely, how to tackle the $150,000 in student loans hanging over their heads. Should they pay down this debt, invest in real estate, or both? Should they put their retirement contributions on hold? One day, they hope to travel the world and enjoy their favorite pastime, kitesurfing! But should they fast-track this dream before planning for a family?  Lauren is at a crossroads in her journey to FI, and in today’s episode, Scott and Mindy will p]]></googleplay:description>
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	<title>540: Renting vs. Buying a Home in 2024 and Do You Have Enough in Your 401(k)?</title>
	<link>https://biggerpocketsmoney.com/podcast/540-renting-vs-buying-a-home-in-2024-and-do-you-have-enough-in-your-401k/</link>
	<pubDate>Tue, 25 Jun 2024 06:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
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	<description><![CDATA[Renting vs. buying a house: when it comes to FIRE, many people assume that you must own a home and preferably have it paid off to reach financial freedom. But is this really true? With renting so much cheaper than buying in 2024, would it be wiser to rent a place and send the savings to your investment accounts? Today, we’re tackling this topic and a few other heavy hitters as we give our takes on four of the hottest financial headlines.  Kyle Mast, certified financial planner, joins Scott Trench to share FIRE-first thoughts on these not-so-easy-to-answer questions. First, we give our take on the ever-relevant renting vs. buying debate and ask whether things have changed since high mortgage rates have made buying a home much more expensive. Then, how do you manage savings and investments with interest rates so high—should you keep your money in a high-yield savings account or search for better opportunities even with savings yields so high?  Think your nest egg is a little too light? We share the average 401(k) balance for those close to retirement and give our strategies to boost retirement savings before you leave full-time work. Finally, for those struggling to take care of elderly parents, our last headline is for you. We talk about the growing number of Americans physically, mentally, andfinancially caring for aging parents and how you can set yourself up in the best position possible to care for those in your life.    In This Episode We Cover  Buying vs. renting a house in 2024 and whether homeownership is required for FIRE  The best housing investments you can make to propel your net worth and savings rate  Saving and investing during higher interest rates and the type of “opportunities” you must be looking out for  The shocking average 401(k) balance and what you can do to increase income in retirement  How to ensure your children DON’T have to financially care for you in your old age  And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  Network with Other Investors on The Path to FIRE Through the BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Scott on BiggePockets  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Find an Investor-Friendly Agent in Your Area  Find Investor-Friendly Lenders  Property Manager Finde  Renting is Increasingly Cheaper Than Buying a Home  How to manage retirement savings with interest rates remaining elevated  This Is the Average 401(k) Balance for Ages 55 to 64  When Caring for Your Parents Comes at a Cost to Your Career  See Scott at BPCON2024 in Cancun!  Grab the Book, “First-Time Home Buyer”  Hear Our Episodes with “Catching Up to FI”:  BiggerPockets Money 537 - Late Start, Early Retirement: A Step-by-Step Guide to Get On Track to FI  BiggerPockets Money 538 - Late Start, Early Retirement: The Huge Advantages of Investing Later in Life    00:00 Intro  01:57 Renting vs. Buying a House  10:49 Best Home Purchase for FI?  13:35 Saving and Investing with High Rates  25:05 Average 401(k) Balance   33:02 Caring for Elderly Parents     Check out more resources from this show on BiggerPockets.com and https://www.biggerpockets.com/blog/money-540    Interested in learning more about today’s sponsors or becoming a BiggerPockets partner yourself? Email advertise@biggerpockets.com]]></description>
	<itunes:subtitle><![CDATA[Renting vs. buying a house: when it comes to FIRE, many people assume that you must own a home and preferably have it paid off to reach financial freedom. But is this really true? With renting so much cheaper than buying in 2024, would it be wiser to ren]]></itunes:subtitle>
	<content:encoded><![CDATA[Renting vs. buying a house: when it comes to FIRE, many people assume that you must own a home and preferably have it paid off to reach financial freedom. But is this really true? With renting so much cheaper than buying in 2024, would it be wiser to rent a place and send the savings to your investment accounts? Today, we’re tackling this topic and a few other heavy hitters as we give our takes on four of the hottest financial headlines.  Kyle Mast, certified financial planner, joins Scott Trench to share FIRE-first thoughts on these not-so-easy-to-answer questions. First, we give our take on the ever-relevant renting vs. buying debate and ask whether things have changed since high mortgage rates have made buying a home much more expensive. Then, how do you manage savings and investments with interest rates so high—should you keep your money in a high-yield savings account or search for better opportunities even with savings yields so high?  Think your nest egg is a little too light? We share the average 401(k) balance for those close to retirement and give our strategies to boost retirement savings before you leave full-time work. Finally, for those struggling to take care of elderly parents, our last headline is for you. We talk about the growing number of Americans physically, mentally, andfinancially caring for aging parents and how you can set yourself up in the best position possible to care for those in your life.    In This Episode We Cover  Buying vs. renting a house in 2024 and whether homeownership is required for FIRE  The best housing investments you can make to propel your net worth and savings rate  Saving and investing during higher interest rates and the type of “opportunities” you must be looking out for  The shocking average 401(k) balance and what you can do to increase income in retirement  How to ensure your children DON’T have to financially care for you in your old age  And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  Network with Other Investors on The Path to FIRE Through the BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Scott on BiggePockets  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Find an Investor-Friendly Agent in Your Area  Find Investor-Friendly Lenders  Property Manager Finde  Renting is Increasingly Cheaper Than Buying a Home  How to manage retirement savings with interest rates remaining elevated  This Is the Average 401(k) Balance for Ages 55 to 64  When Caring for Your Parents Comes at a Cost to Your Career  See Scott at BPCON2024 in Cancun!  Grab the Book, “First-Time Home Buyer”  Hear Our Episodes with “Catching Up to FI”:  BiggerPockets Money 537 - Late Start, Early Retirement: A Step-by-Step Guide to Get On Track to FI  BiggerPockets Money 538 - Late Start, Early Retirement: The Huge Advantages of Investing Later in Life    00:00 Intro  01:57 Renting vs. Buying a House  10:49 Best Home Purchase for FI?  13:35 Saving and Investing with High Rates  25:05 Average 401(k) Balance   33:02 Caring for Elderly Parents     Check out more resources from this show on BiggerPockets.com and https://www.biggerpockets.com/blog/money-540    Interested in learning more about today’s sponsors or becoming a BiggerPockets partner yourself? Email advertise@biggerpockets.com]]></content:encoded>
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	<itunes:summary><![CDATA[Renting vs. buying a house: when it comes to FIRE, many people assume that you must own a home and preferably have it paid off to reach financial freedom. But is this really true? With renting so much cheaper than buying in 2024, would it be wiser to rent a place and send the savings to your investment accounts? Today, we’re tackling this topic and a few other heavy hitters as we give our takes on four of the hottest financial headlines.  Kyle Mast, certified financial planner, joins Scott Trench to share FIRE-first thoughts on these not-so-easy-to-answer questions. First, we give our take on the ever-relevant renting vs. buying debate and ask whether things have changed since high mortgage rates have made buying a home much more expensive. Then, how do you manage savings and investments with interest rates so high—should you keep your money in a high-yield savings account or search for better opportunities even with savings yields so high?  Think your nest egg is a little too light? We share the average 401(k) balance for those close to retirement and give our strategies to boost retirement savings before you leave full-time work. Finally, for those struggling to take care of elderly parents, our last headline is for you. We talk about the growing number of Americans physically, mentally, andfinancially caring for aging parents and how you can set yourself up in the best position possible to care for those in your life.    In This Episode We Cover  Buying vs. renting a house in 2024 and whether homeownership is required for FIRE  The best housing investments you can make to propel your net worth and savings rate  Saving and investing during higher interest rates and the type of “opportunities” you must be looking out for  The shocking average 401(k) balance and what you can do to increase income in retirement  How to ensure your children DON’T have to financially care for you in your old age  And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  Network with Other Investors on The Path to FIRE Through the BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Scott on BiggePockets  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Find an Investor-Friendly Agent in Your Area  Find Investor-Friendly Lenders  Property Manager Finde  Renting is Increasingly Cheaper Than Buying a Home  How to manage retirement savings with interest rates remaining elevated  This Is the Average 401(k) Balance for Ages 55 to 64  When Caring for Your Parents Comes at a Cost to Your Career  See Scott at BPCON2024 in Cancun!  Grab the Book, “First-Time Home Buyer”  Hear Our Episodes with “Catching Up to FI”:  BiggerPockets Money 537 - Late Start, Early Retirement: A Step-by-Step Guide to Get On Track to FI  BiggerPockets Money 538 - Late Start, Early Retirement: The Huge Advantages of Investing Later in Life    00:00 Intro  01:57 Renting vs. Buying a House  10:49 Best Home Purchase for FI?  13:35 Saving and Investing with High Rates  25:05 Average 401(k) Balance   33:02 Caring for Elderly Parents     Check out more resources from this show on BiggerPockets.com and https://www.biggerpockets.com/blog/money-540    Interested in learning more about today’s sponsors or becoming a BiggerPockets partner yourself? Email advertise@biggerpockets.com]]></itunes:summary>
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	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[Renting vs. buying a house: when it comes to FIRE, many people assume that you must own a home and preferably have it paid off to reach financial freedom. But is this really true? With renting so much cheaper than buying in 2024, would it be wiser to rent a place and send the savings to your investment accounts? Today, we’re tackling this topic and a few other heavy hitters as we give our takes on four of the hottest financial headlines.  Kyle Mast, certified financial planner, joins Scott Trench to share FIRE-first thoughts on these not-so-easy-to-answer questions. First, we give our take on the ever-relevant renting vs. buying debate and ask whether things have changed since high mortgage rates have made buying a home much more expensive. Then, how do you manage savings and investments with interest rates so high—should you keep your money in a high-yield savings account or search for better opportunities even with savings yields so high?  Think your nest egg is a little too light? ]]></googleplay:description>
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<item>
	<title>539: Finance Friday: Can I Comfortably Retire by 50 with My Current Portfolio?</title>
	<link>https://biggerpocketsmoney.com/podcast/539-finance-friday-can-i-comfortably-retire-by-50-with-my-current-portfolio/</link>
	<pubDate>Fri, 21 Jun 2024 06:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">4c601eec-8901-11ee-8f23-f3e0c4a3f71d</guid>
	<description><![CDATA[Want to retire early? You don’t have to wait until age sixty-five. With a few cash-flowing assets and smart money moves, you could accelerate your path to retirement and enjoy your riches much sooner than you thought possible!  Welcome back to the BiggerPockets Money podcast! Derek has worked hard to build a $1.7 million net worth and a portfolio of six rental properties. The only problem? He wants to retire at age fifty. In this episode, Mindy and expert investor David Greene from the BiggerPockets Real Estate podcast work together to get Derek on the fastest path to early retirement. If he plays his cards right—redeploying some of his “lazy” home equity, increasing his cash flow, and starting a profitable business or side hustle—he could reach FIRE in just seven years!  Are you wary of today’s sky-high mortgage rates? We share an investing strategy that allows you to buy real estate notes at a deep discount and potentially acquire properties that are worth so much more! You’ll also learn how to use your 401(k) retirement funds today without incurring tax penalties. Finally, you’ll hear about the power of starting a business and reinvesting your profits!  Support today's show sponsor, BAM Capital, your path to generational wealth with premier real estate investment opportunities!     In This Episode We Cover  Creative money strategies that will fast-track your path to early retirement  How to leverage your 401(k) retirement funds today without tax penalties  Boosting your cash flow by converting properties into short-term rentals  How to start a business with low money (and where to reinvest your profits!)  How to (potentially) acquire valuable rental properties at a HUGE discount  When you should hire someone to help manage your real estate portfolio  And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  Network with Other Investors on The Path to FIRE Through the BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Mindy on BiggerPockets  Scott on BiggePockets  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Find an Investor-Friendly Agent in Your Area  Find Investor-Friendly Lenders  Property Manager Finder  How to Access Retirement Funds Early  Check Out J Money’s blog, “Budgets Are Sexy”  Check Out Nick Loper’s podcast, “The Side Hustle Show”  Hear David on the "BiggerPockets Real Estate" Podcast  BiggerPockets Money - Episode 443: The Entrepreneur’s Guide to FI: A Day in the Life of a Finance Blogger  BiggerPockets Money - Episode 520: The BEST Side Hustles You Can Start in 2024 (Outside of Real Estate!)    00:00 Intro  01:45 $1.7M Net Worth!  10:20 Derek’s Money Snapshot  18:26 7 Years to FIRE  29:37 Moving “Lazy” Equity  39:42 Note Investing 101  48:45 Starting a Business    Check out more resources from this show on BiggerPockets.com and https://www.biggerpockets.com/blog/money-539    Interested in learning more about today’s sponsors or becoming a BiggerPockets partner yourself? Email advertise@biggerpockets.com]]></description>
	<itunes:subtitle><![CDATA[Want to retire early? You don’t have to wait until age sixty-five. With a few cash-flowing assets and smart money moves, you could accelerate your path to retirement and enjoy your riches much sooner than you thought possible!  Welcome back to the Bigger]]></itunes:subtitle>
	<content:encoded><![CDATA[Want to retire early? You don’t have to wait until age sixty-five. With a few cash-flowing assets and smart money moves, you could accelerate your path to retirement and enjoy your riches much sooner than you thought possible!  Welcome back to the BiggerPockets Money podcast! Derek has worked hard to build a $1.7 million net worth and a portfolio of six rental properties. The only problem? He wants to retire at age fifty. In this episode, Mindy and expert investor David Greene from the BiggerPockets Real Estate podcast work together to get Derek on the fastest path to early retirement. If he plays his cards right—redeploying some of his “lazy” home equity, increasing his cash flow, and starting a profitable business or side hustle—he could reach FIRE in just seven years!  Are you wary of today’s sky-high mortgage rates? We share an investing strategy that allows you to buy real estate notes at a deep discount and potentially acquire properties that are worth so much more! You’ll also learn how to use your 401(k) retirement funds today without incurring tax penalties. Finally, you’ll hear about the power of starting a business and reinvesting your profits!  Support today's show sponsor, BAM Capital, your path to generational wealth with premier real estate investment opportunities!     In This Episode We Cover  Creative money strategies that will fast-track your path to early retirement  How to leverage your 401(k) retirement funds today without tax penalties  Boosting your cash flow by converting properties into short-term rentals  How to start a business with low money (and where to reinvest your profits!)  How to (potentially) acquire valuable rental properties at a HUGE discount  When you should hire someone to help manage your real estate portfolio  And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  Network with Other Investors on The Path to FIRE Through the BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Mindy on BiggerPockets  Scott on BiggePockets  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Find an Investor-Friendly Agent in Your Area  Find Investor-Friendly Lenders  Property Manager Finder  How to Access Retirement Funds Early  Check Out J Money’s blog, “Budgets Are Sexy”  Check Out Nick Loper’s podcast, “The Side Hustle Show”  Hear David on the "BiggerPockets Real Estate" Podcast  BiggerPockets Money - Episode 443: The Entrepreneur’s Guide to FI: A Day in the Life of a Finance Blogger  BiggerPockets Money - Episode 520: The BEST Side Hustles You Can Start in 2024 (Outside of Real Estate!)    00:00 Intro  01:45 $1.7M Net Worth!  10:20 Derek’s Money Snapshot  18:26 7 Years to FIRE  29:37 Moving “Lazy” Equity  39:42 Note Investing 101  48:45 Starting a Business    Check out more resources from this show on BiggerPockets.com and https://www.biggerpockets.com/blog/money-539    Interested in learning more about today’s sponsors or becoming a BiggerPockets partner yourself? Email advertise@biggerpockets.com]]></content:encoded>
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	<itunes:summary><![CDATA[Want to retire early? You don’t have to wait until age sixty-five. With a few cash-flowing assets and smart money moves, you could accelerate your path to retirement and enjoy your riches much sooner than you thought possible!  Welcome back to the BiggerPockets Money podcast! Derek has worked hard to build a $1.7 million net worth and a portfolio of six rental properties. The only problem? He wants to retire at age fifty. In this episode, Mindy and expert investor David Greene from the BiggerPockets Real Estate podcast work together to get Derek on the fastest path to early retirement. If he plays his cards right—redeploying some of his “lazy” home equity, increasing his cash flow, and starting a profitable business or side hustle—he could reach FIRE in just seven years!  Are you wary of today’s sky-high mortgage rates? We share an investing strategy that allows you to buy real estate notes at a deep discount and potentially acquire properties that are worth so much more! You’ll also learn how to use your 401(k) retirement funds today without incurring tax penalties. Finally, you’ll hear about the power of starting a business and reinvesting your profits!  Support today's show sponsor, BAM Capital, your path to generational wealth with premier real estate investment opportunities!     In This Episode We Cover  Creative money strategies that will fast-track your path to early retirement  How to leverage your 401(k) retirement funds today without tax penalties  Boosting your cash flow by converting properties into short-term rentals  How to start a business with low money (and where to reinvest your profits!)  How to (potentially) acquire valuable rental properties at a HUGE discount  When you should hire someone to help manage your real estate portfolio  And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  Network with Other Investors on The Path to FIRE Through the BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Mindy on BiggerPockets  Scott on BiggePockets  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Find an Investor-Friendly Agent in Your Area  Find Investor-Friendly Lenders  Property Manager Finder  How to Access Retirement Funds Early  Check Out J Money’s blog, “Budgets Are Sexy”  Check Out Nick Loper’s podcast, “The Side Hustle Show”  Hear David on the "BiggerPockets Real Estate" Podcast  BiggerPockets Money - Episode 443: The Entrepreneur’s Guide to FI: A Day in the Life of a Finance Blogger  BiggerPockets Money - Episode 520: The BEST Side Hustles You Can Start in 2024 (Outside of Real Estate!)    00:00 Intro  01:45 $1.7M Net Worth!  10:20 Derek’s Money Snapshot  18:26 7 Years to FIRE  29:37 Moving “Lazy” Equity  39:42 Note Investing 101  48:45 Starting a Business    Check out more resources from this show on BiggerPockets.com and https://www.biggerpockets.com/blog/money-539    Interested in learning more about today’s sponsors or becoming a BiggerPockets partner yourself? Email advertise@biggerpockets.com]]></itunes:summary>
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	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[Want to retire early? You don’t have to wait until age sixty-five. With a few cash-flowing assets and smart money moves, you could accelerate your path to retirement and enjoy your riches much sooner than you thought possible!  Welcome back to the BiggerPockets Money podcast! Derek has worked hard to build a $1.7 million net worth and a portfolio of six rental properties. The only problem? He wants to retire at age fifty. In this episode, Mindy and expert investor David Greene from the BiggerPockets Real Estate podcast work together to get Derek on the fastest path to early retirement. If he plays his cards right—redeploying some of his “lazy” home equity, increasing his cash flow, and starting a profitable business or side hustle—he could reach FIRE in just seven years!  Are you wary of today’s sky-high mortgage rates? We share an investing strategy that allows you to buy real estate notes at a deep discount and potentially acquire properties that are worth so much more! You’ll also ]]></googleplay:description>
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	<title>538: Late Start, Early Retirement: The Huge Advantages of Investing Later in Life</title>
	<link>https://biggerpocketsmoney.com/podcast/538-late-start-early-retirement-the-huge-advantages-of-investing-later-in-life/</link>
	<pubDate>Tue, 18 Jun 2024 06:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
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	<description><![CDATA[Are you a late starter who wants to reach retirement (or early retirement)? Then we’ve got just what you need! We’re back with Bill Yount and Jackie Cummings Koski from the Catching Up to FI podcast as we share how to invest for retirement as a “late starter.” Did you know there are some serious advantages to investing later in life? Some of these advantages are so secret that even our hosts didn’t know about them! But today, we’re sharing them with you so you can achieve financial freedom on your terms!  From top to bottom, we’re sharing everything you need to retire sooner—from the best retirement accounts to debating 401(k)s vs. Roth IRAs vs. HSAs and more! Worried about healthcare if you retire before you turn sixty-five? DO NOT put your retirement plans on pause because of this! With some smart healthcare saving and investing, you won’t have to worry about visits to the doctor’s office!  But before you start investing, we need to get your spending in check. Bill shares how he went from paycheck to paycheck to exploding his savings rate by “downsizing” his spending, which makes reaching financial independence even easier! If you’re ready to retire, stick with us and follow these steps to a tee if you want to be financially free!  Missed part one? Listen to it here!  Support today's show sponsor, BAM Capital, your path to generational wealth with premier real estate investment opportunities!     In This Episode We Cover  How much do you need to retire? Here’s the exact calculations we use  The best retirement accounts to invest in that have substantial tax advantages  Social Security and whether or not you can plan on receiving it when you retire   The “triple tax benefit” healthcare account that you’ll wish you knew about sooner  How to “downsize” your life so you can invest more and retire faster   “Catch up” retirement investing and the investment accounts that late starters must take advantage of  401(k)s vs. Roth IRAs vs. HSAs: Which should you invest in first?  And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  Network with Other Investors on The Path to FIRE Through the BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Mindy on BiggerPockets  Scott on BiggePockets  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Find an Investor-Friendly Agent in Your Area  Find Investor-Friendly Lenders  Property Manager Finder  Finance Friday: How to Get to Early Retirement Even Faster  BiggerPockets 422 - The Late Starter’s Guide to Financial Independence (Even in Your 50s!) w/Bill Yount  BiggerPockets Money 527 - Retired at 49 on an Average Salary after Getting a “Late Start” to FIRE w/Jackie Cummings Koski  Want to Be a Guest on the BiggerPockets Money Show? Apply Here  Catching Up to FI Podcast  HSA – The Ultimate Retirement Account  Open Social Security  The Shockingly Simple Math Behind Early Retirement    00:00 Intro  01:19 Create a Simple Plan  04:58 How Much Do I Need to Retire?  09:18 What About Social Security?   16:27 Reducing Your Expenses  19:59 Healthcare and HSAs  33:28 Best “Catch Up” Investments   38:31 Roth vs. HSA vs. 401(k)   47:34 Investing Beyond Retirement Accounts   49:38 It’s NEVER Too Late!     Check out more resources from this show on BiggerPockets.com and https://www.biggerpockets.com/blog/money-538    Interested in learning more about today’s sponsors or becoming a BiggerPockets partner yourself? Email advertise@biggerpockets.com]]></description>
	<itunes:subtitle><![CDATA[Are you a late starter who wants to reach retirement (or early retirement)? Then we’ve got just what you need! We’re back with Bill Yount and Jackie Cummings Koski from the Catching Up to FI podcast as we share how to invest for retirement as a “late sta]]></itunes:subtitle>
	<content:encoded><![CDATA[Are you a late starter who wants to reach retirement (or early retirement)? Then we’ve got just what you need! We’re back with Bill Yount and Jackie Cummings Koski from the Catching Up to FI podcast as we share how to invest for retirement as a “late starter.” Did you know there are some serious advantages to investing later in life? Some of these advantages are so secret that even our hosts didn’t know about them! But today, we’re sharing them with you so you can achieve financial freedom on your terms!  From top to bottom, we’re sharing everything you need to retire sooner—from the best retirement accounts to debating 401(k)s vs. Roth IRAs vs. HSAs and more! Worried about healthcare if you retire before you turn sixty-five? DO NOT put your retirement plans on pause because of this! With some smart healthcare saving and investing, you won’t have to worry about visits to the doctor’s office!  But before you start investing, we need to get your spending in check. Bill shares how he went from paycheck to paycheck to exploding his savings rate by “downsizing” his spending, which makes reaching financial independence even easier! If you’re ready to retire, stick with us and follow these steps to a tee if you want to be financially free!  Missed part one? Listen to it here!  Support today's show sponsor, BAM Capital, your path to generational wealth with premier real estate investment opportunities!     In This Episode We Cover  How much do you need to retire? Here’s the exact calculations we use  The best retirement accounts to invest in that have substantial tax advantages  Social Security and whether or not you can plan on receiving it when you retire   The “triple tax benefit” healthcare account that you’ll wish you knew about sooner  How to “downsize” your life so you can invest more and retire faster   “Catch up” retirement investing and the investment accounts that late starters must take advantage of  401(k)s vs. Roth IRAs vs. HSAs: Which should you invest in first?  And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  Network with Other Investors on The Path to FIRE Through the BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Mindy on BiggerPockets  Scott on BiggePockets  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Find an Investor-Friendly Agent in Your Area  Find Investor-Friendly Lenders  Property Manager Finder  Finance Friday: How to Get to Early Retirement Even Faster  BiggerPockets 422 - The Late Starter’s Guide to Financial Independence (Even in Your 50s!) w/Bill Yount  BiggerPockets Money 527 - Retired at 49 on an Average Salary after Getting a “Late Start” to FIRE w/Jackie Cummings Koski  Want to Be a Guest on the BiggerPockets Money Show? Apply Here  Catching Up to FI Podcast  HSA – The Ultimate Retirement Account  Open Social Security  The Shockingly Simple Math Behind Early Retirement    00:00 Intro  01:19 Create a Simple Plan  04:58 How Much Do I Need to Retire?  09:18 What About Social Security?   16:27 Reducing Your Expenses  19:59 Healthcare and HSAs  33:28 Best “Catch Up” Investments   38:31 Roth vs. HSA vs. 401(k)   47:34 Investing Beyond Retirement Accounts   49:38 It’s NEVER Too Late!     Check out more resources from this show on BiggerPockets.com and https://www.biggerpockets.com/blog/money-538    Interested in learning more about today’s sponsors or becoming a BiggerPockets partner yourself? Email advertise@biggerpockets.com]]></content:encoded>
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	<itunes:summary><![CDATA[Are you a late starter who wants to reach retirement (or early retirement)? Then we’ve got just what you need! We’re back with Bill Yount and Jackie Cummings Koski from the Catching Up to FI podcast as we share how to invest for retirement as a “late starter.” Did you know there are some serious advantages to investing later in life? Some of these advantages are so secret that even our hosts didn’t know about them! But today, we’re sharing them with you so you can achieve financial freedom on your terms!  From top to bottom, we’re sharing everything you need to retire sooner—from the best retirement accounts to debating 401(k)s vs. Roth IRAs vs. HSAs and more! Worried about healthcare if you retire before you turn sixty-five? DO NOT put your retirement plans on pause because of this! With some smart healthcare saving and investing, you won’t have to worry about visits to the doctor’s office!  But before you start investing, we need to get your spending in check. Bill shares how he went from paycheck to paycheck to exploding his savings rate by “downsizing” his spending, which makes reaching financial independence even easier! If you’re ready to retire, stick with us and follow these steps to a tee if you want to be financially free!  Missed part one? Listen to it here!  Support today's show sponsor, BAM Capital, your path to generational wealth with premier real estate investment opportunities!     In This Episode We Cover  How much do you need to retire? Here’s the exact calculations we use  The best retirement accounts to invest in that have substantial tax advantages  Social Security and whether or not you can plan on receiving it when you retire   The “triple tax benefit” healthcare account that you’ll wish you knew about sooner  How to “downsize” your life so you can invest more and retire faster   “Catch up” retirement investing and the investment accounts that late starters must take advantage of  401(k)s vs. Roth IRAs vs. HSAs: Which should you invest in first?  And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  Network with Other Investors on The Path to FIRE Through the BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Mindy on BiggerPockets  Scott on BiggePockets  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Find an Investor-Friendly Agent in Your Area  Find Investor-Friendly Lenders  Property Manager Finder  Finance Friday: How to Get to Early Retirement Even Faster  BiggerPockets 422 - The Late Starter’s Guide to Financial Independence (Even in Your 50s!) w/Bill Yount  BiggerPockets Money 527 - Retired at 49 on an Average Salary after Getting a “Late Start” to FIRE w/Jackie Cummings Koski  Want to Be a Guest on the BiggerPockets Money Show? Apply Here  Catching Up to FI Podcast  HSA – The Ultimate Retirement Account  Open Social Security  The Shockingly Simple Math Behind Early Retirement    00:00 Intro  01:19 Create a Simple Plan  04:58 How Much Do I Need to Retire?  09:18 What About Social Security?   16:27 Reducing Your Expenses  19:59 Healthcare and HSAs  33:28 Best “Catch Up” Investments   38:31 Roth vs. HSA vs. 401(k)   47:34 Investing Beyond Retirement Accounts   49:38 It’s NEVER Too Late!     Check out more resources from this show on BiggerPockets.com and https://www.biggerpockets.com/blog/money-538    Interested in learning more about today’s sponsors or becoming a BiggerPockets partner yourself? Email advertise@biggerpockets.com]]></itunes:summary>
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	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[Are you a late starter who wants to reach retirement (or early retirement)? Then we’ve got just what you need! We’re back with Bill Yount and Jackie Cummings Koski from the Catching Up to FI podcast as we share how to invest for retirement as a “late starter.” Did you know there are some serious advantages to investing later in life? Some of these advantages are so secret that even our hosts didn’t know about them! But today, we’re sharing them with you so you can achieve financial freedom on your terms!  From top to bottom, we’re sharing everything you need to retire sooner—from the best retirement accounts to debating 401(k)s vs. Roth IRAs vs. HSAs and more! Worried about healthcare if you retire before you turn sixty-five? DO NOT put your retirement plans on pause because of this! With some smart healthcare saving and investing, you won’t have to worry about visits to the doctor’s office!  But before you start investing, we need to get your spending in check. Bill shares how he wen]]></googleplay:description>
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	<title>537: Late Start, Early Retirement: A Step-by-Step Guide to Get On Track to FI</title>
	<link>https://biggerpocketsmoney.com/podcast/537-late-start-early-retirement-a-step-by-step-guide-to-get-on-track-to-fi/</link>
	<pubDate>Fri, 14 Jun 2024 06:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
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	<description><![CDATA[Got a late start on your retirement planning? Do you feel like you missed the boat and won’t be able to retire on your timeline? We’ve got good news for you in today’s episode—it’s never too late for retirement (and even EARLY retirement!). No matter what age you’re at, how much you have in the bank, and how much you make, you CAN retire on your terms, and our guests will prove it. The question is, will you follow through on their time-tested system for reaching retirement?  Bill Yount and Jackie Cummings Koski from the Catching Up to FI podcast are here to show you that whatever your situation is, you can get on track for retirement. Bill and Jackie both were late starters, only taking retirement seriously decades after starting their working careers. Even with their “late start,” Bill and Jackie were able to massively multiply their net worths and retirement savings, allowing them to reach financial freedom on their terms.  In today’s show, Bill and Jackie walk through the four steps that anyone can take to begin saving for retirement. You don’t need ANY money to take these initial steps, but doing so will change your entire financial future. Stick around for our next show as we get into the nitty gritty of retirement planning and put you directly on the path to retirement or early retirement!  Support today's show sponsor, BAM Capital, your path to generational wealth with premier real estate investment opportunities!     In This Episode We Cover  The four steps anyone can take to reach retirement   Why it’s okay to be a “late starter,” especially when it comes to retirement planning  How to do a “backward budget” to quickly and easily see how much you’re spending   Why you MUST look back on the financial “lessons” you’ve learned to build wealth now!  Getting clear on your goals and what you want to achieve so you can reach retirement  The “trifecta of mistakes” Bill made and how even that didn’t stop his financial freedom journey!  And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  Network with Other Investors on The Path to FIRE Through the BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Mindy on BiggerPockets  Scott on BiggePockets  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Find an Investor-Friendly Agent in Your Area  Find Investor-Friendly Lenders  Property Manager Finder  Finance Friday: How to Get to Early Retirement Even Faster  BiggerPockets 422 - The Late Starter’s Guide to Financial Independence (Even in Your 50s!) w/Bill Yount  BiggerPockets Money 527 - Retired at 49 on an Average Salary after Getting a “Late Start” to FIRE w/Jackie Cummings Koski  Want to Be a Guest on the BiggerPockets Money Show? Apply Here    00:00 Intro  01:14 Late Start, Early Retirement  06:01 Before You Can Start  08:06 “Backwards” Budgeting   17:12 Make a Plan   28:26 Acknowledge Your “Lessons”   33:19 Stick Around!     Check out more resources from this show on BiggerPockets.com and https://www.biggerpockets.com/blog/money-537    Interested in learning more about today’s sponsors or becoming a BiggerPockets partner yourself? Email advertise@biggerpockets.com]]></description>
	<itunes:subtitle><![CDATA[Got a late start on your retirement planning? Do you feel like you missed the boat and won’t be able to retire on your timeline? We’ve got good news for you in today’s episode—it’s never too late for retirement (and even EARLY retirement!). No matter wha]]></itunes:subtitle>
	<content:encoded><![CDATA[Got a late start on your retirement planning? Do you feel like you missed the boat and won’t be able to retire on your timeline? We’ve got good news for you in today’s episode—it’s never too late for retirement (and even EARLY retirement!). No matter what age you’re at, how much you have in the bank, and how much you make, you CAN retire on your terms, and our guests will prove it. The question is, will you follow through on their time-tested system for reaching retirement?  Bill Yount and Jackie Cummings Koski from the Catching Up to FI podcast are here to show you that whatever your situation is, you can get on track for retirement. Bill and Jackie both were late starters, only taking retirement seriously decades after starting their working careers. Even with their “late start,” Bill and Jackie were able to massively multiply their net worths and retirement savings, allowing them to reach financial freedom on their terms.  In today’s show, Bill and Jackie walk through the four steps that anyone can take to begin saving for retirement. You don’t need ANY money to take these initial steps, but doing so will change your entire financial future. Stick around for our next show as we get into the nitty gritty of retirement planning and put you directly on the path to retirement or early retirement!  Support today's show sponsor, BAM Capital, your path to generational wealth with premier real estate investment opportunities!     In This Episode We Cover  The four steps anyone can take to reach retirement   Why it’s okay to be a “late starter,” especially when it comes to retirement planning  How to do a “backward budget” to quickly and easily see how much you’re spending   Why you MUST look back on the financial “lessons” you’ve learned to build wealth now!  Getting clear on your goals and what you want to achieve so you can reach retirement  The “trifecta of mistakes” Bill made and how even that didn’t stop his financial freedom journey!  And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  Network with Other Investors on The Path to FIRE Through the BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Mindy on BiggerPockets  Scott on BiggePockets  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Find an Investor-Friendly Agent in Your Area  Find Investor-Friendly Lenders  Property Manager Finder  Finance Friday: How to Get to Early Retirement Even Faster  BiggerPockets 422 - The Late Starter’s Guide to Financial Independence (Even in Your 50s!) w/Bill Yount  BiggerPockets Money 527 - Retired at 49 on an Average Salary after Getting a “Late Start” to FIRE w/Jackie Cummings Koski  Want to Be a Guest on the BiggerPockets Money Show? Apply Here    00:00 Intro  01:14 Late Start, Early Retirement  06:01 Before You Can Start  08:06 “Backwards” Budgeting   17:12 Make a Plan   28:26 Acknowledge Your “Lessons”   33:19 Stick Around!     Check out more resources from this show on BiggerPockets.com and https://www.biggerpockets.com/blog/money-537    Interested in learning more about today’s sponsors or becoming a BiggerPockets partner yourself? Email advertise@biggerpockets.com]]></content:encoded>
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	<itunes:summary><![CDATA[Got a late start on your retirement planning? Do you feel like you missed the boat and won’t be able to retire on your timeline? We’ve got good news for you in today’s episode—it’s never too late for retirement (and even EARLY retirement!). No matter what age you’re at, how much you have in the bank, and how much you make, you CAN retire on your terms, and our guests will prove it. The question is, will you follow through on their time-tested system for reaching retirement?  Bill Yount and Jackie Cummings Koski from the Catching Up to FI podcast are here to show you that whatever your situation is, you can get on track for retirement. Bill and Jackie both were late starters, only taking retirement seriously decades after starting their working careers. Even with their “late start,” Bill and Jackie were able to massively multiply their net worths and retirement savings, allowing them to reach financial freedom on their terms.  In today’s show, Bill and Jackie walk through the four steps that anyone can take to begin saving for retirement. You don’t need ANY money to take these initial steps, but doing so will change your entire financial future. Stick around for our next show as we get into the nitty gritty of retirement planning and put you directly on the path to retirement or early retirement!  Support today's show sponsor, BAM Capital, your path to generational wealth with premier real estate investment opportunities!     In This Episode We Cover  The four steps anyone can take to reach retirement   Why it’s okay to be a “late starter,” especially when it comes to retirement planning  How to do a “backward budget” to quickly and easily see how much you’re spending   Why you MUST look back on the financial “lessons” you’ve learned to build wealth now!  Getting clear on your goals and what you want to achieve so you can reach retirement  The “trifecta of mistakes” Bill made and how even that didn’t stop his financial freedom journey!  And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  Network with Other Investors on The Path to FIRE Through the BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Mindy on BiggerPockets  Scott on BiggePockets  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Find an Investor-Friendly Agent in Your Area  Find Investor-Friendly Lenders  Property Manager Finder  Finance Friday: How to Get to Early Retirement Even Faster  BiggerPockets 422 - The Late Starter’s Guide to Financial Independence (Even in Your 50s!) w/Bill Yount  BiggerPockets Money 527 - Retired at 49 on an Average Salary after Getting a “Late Start” to FIRE w/Jackie Cummings Koski  Want to Be a Guest on the BiggerPockets Money Show? Apply Here    00:00 Intro  01:14 Late Start, Early Retirement  06:01 Before You Can Start  08:06 “Backwards” Budgeting   17:12 Make a Plan   28:26 Acknowledge Your “Lessons”   33:19 Stick Around!     Check out more resources from this show on BiggerPockets.com and https://www.biggerpockets.com/blog/money-537    Interested in learning more about today’s sponsors or becoming a BiggerPockets partner yourself? Email advertise@biggerpockets.com]]></itunes:summary>
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	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[Got a late start on your retirement planning? Do you feel like you missed the boat and won’t be able to retire on your timeline? We’ve got good news for you in today’s episode—it’s never too late for retirement (and even EARLY retirement!). No matter what age you’re at, how much you have in the bank, and how much you make, you CAN retire on your terms, and our guests will prove it. The question is, will you follow through on their time-tested system for reaching retirement?  Bill Yount and Jackie Cummings Koski from the Catching Up to FI podcast are here to show you that whatever your situation is, you can get on track for retirement. Bill and Jackie both were late starters, only taking retirement seriously decades after starting their working careers. Even with their “late start,” Bill and Jackie were able to massively multiply their net worths and retirement savings, allowing them to reach financial freedom on their terms.  In today’s show, Bill and Jackie walk through the four step]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
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<item>
	<title>536: My Property Manager Robbed and Ghosted Me ($40K Stolen!)</title>
	<link>https://biggerpocketsmoney.com/podcast/536-my-property-manager-robbed-and-ghosted-me-40k-stolen/</link>
	<pubDate>Tue, 11 Jun 2024 06:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">4b06436e-8901-11ee-8f23-c30a46b310c9</guid>
	<description><![CDATA[If you get your property management wrong, you could lose tens of thousands of dollars. A sketchy property manager could take all your rent and run, leaving you with the bills and no hope of recovering your long-lost rent checks. That’s precisely what happened to today’s guest, a seasoned real estate investor who’s even looked up to as an expert in the industry. Even he made a sizable property management mistake, and in this episode, we’re trying to help you avoid the same fate.  The BiggerPockets Podcast Network is bringing you a crossover episode with the Real Estate Rookie podcast’s Ashley Kehr and the BiggerPockets Money podcast’s Scott Trench. Scott is not only the host of BiggerPockets Money but also the CEO of BiggerPockets. And today, he’s sharing every painful detail about how he lost over $40,000 by hiring a bad property manager. This IS an avoidable mistake, but some easily overlooked red flags could put you in the same position as Scott unless you’re very careful.  Scott shares the entire story and gives the top red flags to look out for. He’ll explain why he DOESN’T give his whole portfolio to one property manager, why you MUST set communication standards from the start, the questions EVERY investor should ask before hiring a property manager, and the fees you should refuse to pay the next time you outsource your property management. Need a property manager? We’ll share the best tool ANYONE can use to find a property manager TODAY!    In This Episode We Cover  Deadly property management red flags and signs you should run from a property manager  Why you never, EVER give your entire portfolio to a single property manager/property management company  Simple questions to ask that immediately show if a property manager is legit  Negotiating fees and why Scott is okay with paying a higher monthly rate  Communication expectations and what a property manager should be sending you EVERY month  The easiest way to find a great property manager wherever you invest  And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  Network with Other Investors on The Path to FIRE Through the BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Mindy on BiggerPockets  Scott on BiggePockets  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Find an Investor-Friendly Agent in Your Area  Find Investor-Friendly Lenders  Property Manager Finder  Want to Self-Manage Your Rentals Instead? Grab the New Book, “Self-Managing Landlord”  Ask Other Investors Your Property Management Questions on the BiggerPockets Forums  Past Episodes Mentioned in Today’s Show:  Real Estate Rookie 59 - Rookie First-Time Home Buyer Questions Answered by Scott and Mindy  Real Estate Rookie 200 - Scott Trench’s 10-Step Checklist to Buy Your First Rental Property  Real Estate Rookie 401 - Boost Your Cash Flow in 2024 with These “Self-Management” Tips  BiggerPockets 513 - The “Red Flags” of Investment Fraud from a Former $3.8M Ponzi Scheme Manager  Connect with Ashley on BiggerPockets  Connect with Scott on BiggerPockets    00:00 Intro  01:20 Hiring the Property Manager   03:37 Things Start Going Wrong   06:12 Losing $40K!  09:32 Property Manager Red Flags   15:39 Questions You MUST Ask  23:34 Negotiating Fees   30:05 Asset Type Matters!   34:54 Communication Expectations   37:29 Vetting for Legitimacy   43:16 Find a GREAT Property Manager     Check out more resources from this show on BiggerPockets.com and https://www.biggerpockets.com/blog/money-536    Interested in learning more about today’s sponsors or becoming a BiggerPockets partner yourself? Email advertise@biggerpockets.com]]></description>
	<itunes:subtitle><![CDATA[If you get your property management wrong, you could lose tens of thousands of dollars. A sketchy property manager could take all your rent and run, leaving you with the bills and no hope of recovering your long-lost rent checks. That’s precisely what ha]]></itunes:subtitle>
	<content:encoded><![CDATA[If you get your property management wrong, you could lose tens of thousands of dollars. A sketchy property manager could take all your rent and run, leaving you with the bills and no hope of recovering your long-lost rent checks. That’s precisely what happened to today’s guest, a seasoned real estate investor who’s even looked up to as an expert in the industry. Even he made a sizable property management mistake, and in this episode, we’re trying to help you avoid the same fate.  The BiggerPockets Podcast Network is bringing you a crossover episode with the Real Estate Rookie podcast’s Ashley Kehr and the BiggerPockets Money podcast’s Scott Trench. Scott is not only the host of BiggerPockets Money but also the CEO of BiggerPockets. And today, he’s sharing every painful detail about how he lost over $40,000 by hiring a bad property manager. This IS an avoidable mistake, but some easily overlooked red flags could put you in the same position as Scott unless you’re very careful.  Scott shares the entire story and gives the top red flags to look out for. He’ll explain why he DOESN’T give his whole portfolio to one property manager, why you MUST set communication standards from the start, the questions EVERY investor should ask before hiring a property manager, and the fees you should refuse to pay the next time you outsource your property management. Need a property manager? We’ll share the best tool ANYONE can use to find a property manager TODAY!    In This Episode We Cover  Deadly property management red flags and signs you should run from a property manager  Why you never, EVER give your entire portfolio to a single property manager/property management company  Simple questions to ask that immediately show if a property manager is legit  Negotiating fees and why Scott is okay with paying a higher monthly rate  Communication expectations and what a property manager should be sending you EVERY month  The easiest way to find a great property manager wherever you invest  And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  Network with Other Investors on The Path to FIRE Through the BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Mindy on BiggerPockets  Scott on BiggePockets  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Find an Investor-Friendly Agent in Your Area  Find Investor-Friendly Lenders  Property Manager Finder  Want to Self-Manage Your Rentals Instead? Grab the New Book, “Self-Managing Landlord”  Ask Other Investors Your Property Management Questions on the BiggerPockets Forums  Past Episodes Mentioned in Today’s Show:  Real Estate Rookie 59 - Rookie First-Time Home Buyer Questions Answered by Scott and Mindy  Real Estate Rookie 200 - Scott Trench’s 10-Step Checklist to Buy Your First Rental Property  Real Estate Rookie 401 - Boost Your Cash Flow in 2024 with These “Self-Management” Tips  BiggerPockets 513 - The “Red Flags” of Investment Fraud from a Former $3.8M Ponzi Scheme Manager  Connect with Ashley on BiggerPockets  Connect with Scott on BiggerPockets    00:00 Intro  01:20 Hiring the Property Manager   03:37 Things Start Going Wrong   06:12 Losing $40K!  09:32 Property Manager Red Flags   15:39 Questions You MUST Ask  23:34 Negotiating Fees   30:05 Asset Type Matters!   34:54 Communication Expectations   37:29 Vetting for Legitimacy   43:16 Find a GREAT Property Manager     Check out more resources from this show on BiggerPockets.com and https://www.biggerpockets.com/blog/money-536    Interested in learning more about today’s sponsors or becoming a BiggerPockets partner yourself? Email advertise@biggerpockets.com]]></content:encoded>
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	<itunes:summary><![CDATA[If you get your property management wrong, you could lose tens of thousands of dollars. A sketchy property manager could take all your rent and run, leaving you with the bills and no hope of recovering your long-lost rent checks. That’s precisely what happened to today’s guest, a seasoned real estate investor who’s even looked up to as an expert in the industry. Even he made a sizable property management mistake, and in this episode, we’re trying to help you avoid the same fate.  The BiggerPockets Podcast Network is bringing you a crossover episode with the Real Estate Rookie podcast’s Ashley Kehr and the BiggerPockets Money podcast’s Scott Trench. Scott is not only the host of BiggerPockets Money but also the CEO of BiggerPockets. And today, he’s sharing every painful detail about how he lost over $40,000 by hiring a bad property manager. This IS an avoidable mistake, but some easily overlooked red flags could put you in the same position as Scott unless you’re very careful.  Scott shares the entire story and gives the top red flags to look out for. He’ll explain why he DOESN’T give his whole portfolio to one property manager, why you MUST set communication standards from the start, the questions EVERY investor should ask before hiring a property manager, and the fees you should refuse to pay the next time you outsource your property management. Need a property manager? We’ll share the best tool ANYONE can use to find a property manager TODAY!    In This Episode We Cover  Deadly property management red flags and signs you should run from a property manager  Why you never, EVER give your entire portfolio to a single property manager/property management company  Simple questions to ask that immediately show if a property manager is legit  Negotiating fees and why Scott is okay with paying a higher monthly rate  Communication expectations and what a property manager should be sending you EVERY month  The easiest way to find a great property manager wherever you invest  And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  Network with Other Investors on The Path to FIRE Through the BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Mindy on BiggerPockets  Scott on BiggePockets  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Find an Investor-Friendly Agent in Your Area  Find Investor-Friendly Lenders  Property Manager Finder  Want to Self-Manage Your Rentals Instead? Grab the New Book, “Self-Managing Landlord”  Ask Other Investors Your Property Management Questions on the BiggerPockets Forums  Past Episodes Mentioned in Today’s Show:  Real Estate Rookie 59 - Rookie First-Time Home Buyer Questions Answered by Scott and Mindy  Real Estate Rookie 200 - Scott Trench’s 10-Step Checklist to Buy Your First Rental Property  Real Estate Rookie 401 - Boost Your Cash Flow in 2024 with These “Self-Management” Tips  BiggerPockets 513 - The “Red Flags” of Investment Fraud from a Former $3.8M Ponzi Scheme Manager  Connect with Ashley on BiggerPockets  Connect with Scott on BiggerPockets    00:00 Intro  01:20 Hiring the Property Manager   03:37 Things Start Going Wrong   06:12 Losing $40K!  09:32 Property Manager Red Flags   15:39 Questions You MUST Ask  23:34 Negotiating Fees   30:05 Asset Type Matters!   34:54 Communication Expectations   37:29 Vetting for Legitimacy   43:16 Find a GREAT Property Manager     Check out more resources from this show on BiggerPockets.com and https://www.biggerpockets.com/blog/money-536    Interested in learning more about today’s sponsors or becoming a BiggerPockets partner yourself? Email advertise@biggerpockets.com]]></itunes:summary>
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	<itunes:block>no</itunes:block>
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	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[If you get your property management wrong, you could lose tens of thousands of dollars. A sketchy property manager could take all your rent and run, leaving you with the bills and no hope of recovering your long-lost rent checks. That’s precisely what happened to today’s guest, a seasoned real estate investor who’s even looked up to as an expert in the industry. Even he made a sizable property management mistake, and in this episode, we’re trying to help you avoid the same fate.  The BiggerPockets Podcast Network is bringing you a crossover episode with the Real Estate Rookie podcast’s Ashley Kehr and the BiggerPockets Money podcast’s Scott Trench. Scott is not only the host of BiggerPockets Money but also the CEO of BiggerPockets. And today, he’s sharing every painful detail about how he lost over $40,000 by hiring a bad property manager. This IS an avoidable mistake, but some easily overlooked red flags could put you in the same position as Scott unless you’re very careful.  Scott s]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
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<item>
	<title>535: Achieving FIRE in Her 40s By Taking &#8220;Calculated&#8221; Risks</title>
	<link>https://biggerpocketsmoney.com/podcast/535-achieving-fire-in-her-40s-by-taking-calculated-risks/</link>
	<pubDate>Fri, 07 Jun 2024 06:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">4d0ea14c-8901-11ee-8f23-b363017e3056</guid>
	<description><![CDATA[What would it take for you to achieve financial freedom? Now, think about what it would take for you to achieve it for your family. Many of us have parents we’ve seen work day in and day out, providing for us when it meant putting their dreams on the back burner. But what if you could repay your parents for all they’ve done for you, helping them retire and ensuring they can truly live the life they love without worrying about money? That’s exactly what today’s guest did for her mother and herself.  After her parents divorced when she was a teenager, Delyanne Barros began what seemed like a two-decade-long non-stop grind. Fearing what would happen to not only herself but her family if she didn’t provide, Delyanne chose to go to law school to not only help those in need but also bring home a steady paycheck that would support her and her mother. After realizing that the nine-to-five grind wasn’t what she thought, Delyanne began searching for a way to get into a better financial position. As a result, she found the debt-free and the FIRE movements.  Now, only in her early forties, she’s already started a business that brings in millions, retired her mother, achieved financial freedom, and did it all just within six years of finding the FIRE movement. Her biggest tip for success: Take a calculated risk and bet on yourself! If you want to find FIRE like Delyanne did, don’t skip this one!    In This Episode We Cover  When it’s worth it to quit your “dream job” to start your own business and bet on yourself  Supporting your family and retiring your parents BEFORE they’re sixty-five years old  Why even lawyer salaries often can’t afford you the life you want to live  Paying off huge student loan debt and why you SHOULD invest before you’re debt-free  The importance of investing EVEN when the market is dropping fast and you’re feeling fear  Why you DON’T have to be self-employed to achieve FIRE (but you DO need to take risks)  And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  Network with Other Investors on The Path to FIRE Through the BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Mindy on BiggerPockets  Scott on BiggePockets  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Find an Investor-Friendly Agent in Your Area  Find Investor-Friendly Lenders  Property Manager Finder  What Is the FIRE Movement?  How to Calculate the Risks Before Investing  The Mad Fientist on Early Retirement in Your 40s and 4% Rule Updates  From Extreme Poverty to DIY Wealth and 2 Full-Time Incomes w/The She Wolfe of Wall Street    00:00 Intro  01:10 Supporting Her Family as a Teen   07:34 Why Law School?   14:15 Finding FIRE and Switching Gears   21:50 Watching the Market Crash  27:37 Quitting Her High-Paid Job   35:35 Can W2 Workers Achieve FIRE?  39:19 Retiring Her Mom   41:44 Best FIRE Advice  42:54 Connect with Delyanne!  43:24 Take a Risk!     Check out more resources from this show on BiggerPockets.com and https://www.biggerpockets.com/blog/money-535    Interested in learning more about today’s sponsors or becoming a BiggerPockets partner yourself? Email advertise@biggerpockets.com]]></description>
	<itunes:subtitle><![CDATA[What would it take for you to achieve financial freedom? Now, think about what it would take for you to achieve it for your family. Many of us have parents we’ve seen work day in and day out, providing for us when it meant putting their dreams on the bac]]></itunes:subtitle>
	<content:encoded><![CDATA[What would it take for you to achieve financial freedom? Now, think about what it would take for you to achieve it for your family. Many of us have parents we’ve seen work day in and day out, providing for us when it meant putting their dreams on the back burner. But what if you could repay your parents for all they’ve done for you, helping them retire and ensuring they can truly live the life they love without worrying about money? That’s exactly what today’s guest did for her mother and herself.  After her parents divorced when she was a teenager, Delyanne Barros began what seemed like a two-decade-long non-stop grind. Fearing what would happen to not only herself but her family if she didn’t provide, Delyanne chose to go to law school to not only help those in need but also bring home a steady paycheck that would support her and her mother. After realizing that the nine-to-five grind wasn’t what she thought, Delyanne began searching for a way to get into a better financial position. As a result, she found the debt-free and the FIRE movements.  Now, only in her early forties, she’s already started a business that brings in millions, retired her mother, achieved financial freedom, and did it all just within six years of finding the FIRE movement. Her biggest tip for success: Take a calculated risk and bet on yourself! If you want to find FIRE like Delyanne did, don’t skip this one!    In This Episode We Cover  When it’s worth it to quit your “dream job” to start your own business and bet on yourself  Supporting your family and retiring your parents BEFORE they’re sixty-five years old  Why even lawyer salaries often can’t afford you the life you want to live  Paying off huge student loan debt and why you SHOULD invest before you’re debt-free  The importance of investing EVEN when the market is dropping fast and you’re feeling fear  Why you DON’T have to be self-employed to achieve FIRE (but you DO need to take risks)  And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  Network with Other Investors on The Path to FIRE Through the BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Mindy on BiggerPockets  Scott on BiggePockets  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Find an Investor-Friendly Agent in Your Area  Find Investor-Friendly Lenders  Property Manager Finder  What Is the FIRE Movement?  How to Calculate the Risks Before Investing  The Mad Fientist on Early Retirement in Your 40s and 4% Rule Updates  From Extreme Poverty to DIY Wealth and 2 Full-Time Incomes w/The She Wolfe of Wall Street    00:00 Intro  01:10 Supporting Her Family as a Teen   07:34 Why Law School?   14:15 Finding FIRE and Switching Gears   21:50 Watching the Market Crash  27:37 Quitting Her High-Paid Job   35:35 Can W2 Workers Achieve FIRE?  39:19 Retiring Her Mom   41:44 Best FIRE Advice  42:54 Connect with Delyanne!  43:24 Take a Risk!     Check out more resources from this show on BiggerPockets.com and https://www.biggerpockets.com/blog/money-535    Interested in learning more about today’s sponsors or becoming a BiggerPockets partner yourself? Email advertise@biggerpockets.com]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC3345297892.mp3" length="76046968" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[What would it take for you to achieve financial freedom? Now, think about what it would take for you to achieve it for your family. Many of us have parents we’ve seen work day in and day out, providing for us when it meant putting their dreams on the back burner. But what if you could repay your parents for all they’ve done for you, helping them retire and ensuring they can truly live the life they love without worrying about money? That’s exactly what today’s guest did for her mother and herself.  After her parents divorced when she was a teenager, Delyanne Barros began what seemed like a two-decade-long non-stop grind. Fearing what would happen to not only herself but her family if she didn’t provide, Delyanne chose to go to law school to not only help those in need but also bring home a steady paycheck that would support her and her mother. After realizing that the nine-to-five grind wasn’t what she thought, Delyanne began searching for a way to get into a better financial position. As a result, she found the debt-free and the FIRE movements.  Now, only in her early forties, she’s already started a business that brings in millions, retired her mother, achieved financial freedom, and did it all just within six years of finding the FIRE movement. Her biggest tip for success: Take a calculated risk and bet on yourself! If you want to find FIRE like Delyanne did, don’t skip this one!    In This Episode We Cover  When it’s worth it to quit your “dream job” to start your own business and bet on yourself  Supporting your family and retiring your parents BEFORE they’re sixty-five years old  Why even lawyer salaries often can’t afford you the life you want to live  Paying off huge student loan debt and why you SHOULD invest before you’re debt-free  The importance of investing EVEN when the market is dropping fast and you’re feeling fear  Why you DON’T have to be self-employed to achieve FIRE (but you DO need to take risks)  And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  Network with Other Investors on The Path to FIRE Through the BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Mindy on BiggerPockets  Scott on BiggePockets  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Find an Investor-Friendly Agent in Your Area  Find Investor-Friendly Lenders  Property Manager Finder  What Is the FIRE Movement?  How to Calculate the Risks Before Investing  The Mad Fientist on Early Retirement in Your 40s and 4% Rule Updates  From Extreme Poverty to DIY Wealth and 2 Full-Time Incomes w/The She Wolfe of Wall Street    00:00 Intro  01:10 Supporting Her Family as a Teen   07:34 Why Law School?   14:15 Finding FIRE and Switching Gears   21:50 Watching the Market Crash  27:37 Quitting Her High-Paid Job   35:35 Can W2 Workers Achieve FIRE?  39:19 Retiring Her Mom   41:44 Best FIRE Advice  42:54 Connect with Delyanne!  43:24 Take a Risk!     Check out more resources from this show on BiggerPockets.com and https://www.biggerpockets.com/blog/money-535    Interested in learning more about today’s sponsors or becoming a BiggerPockets partner yourself? Email advertise@biggerpockets.com]]></itunes:summary>
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	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[What would it take for you to achieve financial freedom? Now, think about what it would take for you to achieve it for your family. Many of us have parents we’ve seen work day in and day out, providing for us when it meant putting their dreams on the back burner. But what if you could repay your parents for all they’ve done for you, helping them retire and ensuring they can truly live the life they love without worrying about money? That’s exactly what today’s guest did for her mother and herself.  After her parents divorced when she was a teenager, Delyanne Barros began what seemed like a two-decade-long non-stop grind. Fearing what would happen to not only herself but her family if she didn’t provide, Delyanne chose to go to law school to not only help those in need but also bring home a steady paycheck that would support her and her mother. After realizing that the nine-to-five grind wasn’t what she thought, Delyanne began searching for a way to get into a better financial position]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
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<item>
	<title>534: Coast FI at 24 and a $99K Net Worth Thanks to a Few Years of Pure Hustle</title>
	<link>https://biggerpocketsmoney.com/podcast/534-coast-fi-at-24-and-a-99k-net-worth-thanks-to-a-few-years-of-pure-hustle/</link>
	<pubDate>Tue, 04 Jun 2024 06:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">4aaea06e-8901-11ee-8f23-23d4380206bd</guid>
	<description><![CDATA[Could Coast FI be your BEST path to financial independence? Maybe you don’t want to retire early—not yet, at least. Hustle for a few years, invest your money, and watch it snowball instead! This twenty-four-year-old saved nearly $100,000 with this strategy, and in today’s episode, she’ll show you how to do the same!  Emma von Weise was determined to take control of her finances at a very early age, getting her first job at just fourteen years old and saving money at every opportunity. This allowed her to not only escape college debt-free but also build a $99,000 net worth, a figure that will make her Coast FI until retirement—which isn’t on the radar anytime soon! Using her newfound financial freedom, Emma has built her “dream” life by working in a field she loves and taking plenty of time off to travel.  In this episode, Emma shares about all of the different jobs and side hustles she took up to supercharge her savings, as well as several creative “hacks” she used to help fund her college tuition. She also talks about some of the pivotal moments that shaped her views on personal finance, such as discovering the power of compound interest and finding an entire support system through the FI community!    In This Episode We Cover  How Emma became Coast FI by twenty-four and built a $99,000 net worth  Creative ways to fund your college education and escape debt-free  The real value of buying used cars from private owners (and where to find deals!)  How to create a fun and fulfilling life you don’t want to retire from  How to fast-track your fortune using the power of compound interest  Making your money work harder for you after stockpiling cash  And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  Network with Other Investors on The Path to FIRE Through the BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Mindy on BiggerPockets  Scott on BiggePockets  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Find an Investor-Friendly Agent in Your Area  Find Investor-Friendly Lenders  Property Manager Finder  BiggerPockets Money Episode 474 - Mindy and Scott’s Favorite Sleepaway Camp for FIRE Chasers  BiggerPockets Money Episode 449 - Coast FI in 4 Years: Cutting Expenses, Doubling Your Income, & HUGE Savings  BiggerPockets Money Episode 323 – Coast FI: The Calculated Way to Retire Early WITHOUT Giving Up What You Love w/Jessica from The Fioneers  Learn More About EconoMe Conference    00:00 Intro  01:18 Working & Saving at 14!  07:32 Taking Control of Her Finances  10:52 Buying Used Cars  15:32 Creative Ways to Fund College  23:28 Learning to Invest  30:12 Joining the FI Community  37:48 $99K Net Worth at 24!  45:07 The Power of Coast FI    Check out more resources from this show on BiggerPockets.com and https://www.biggerpockets.com/blog/money-534    Interested in learning more about today’s sponsors or becoming a BiggerPockets partner yourself? Email advertise@biggerpockets.com.]]></description>
	<itunes:subtitle><![CDATA[Could Coast FI be your BEST path to financial independence? Maybe you don’t want to retire early—not yet, at least. Hustle for a few years, invest your money, and watch it snowball instead! This twenty-four-year-old saved nearly $100,000 with this strate]]></itunes:subtitle>
	<content:encoded><![CDATA[Could Coast FI be your BEST path to financial independence? Maybe you don’t want to retire early—not yet, at least. Hustle for a few years, invest your money, and watch it snowball instead! This twenty-four-year-old saved nearly $100,000 with this strategy, and in today’s episode, she’ll show you how to do the same!  Emma von Weise was determined to take control of her finances at a very early age, getting her first job at just fourteen years old and saving money at every opportunity. This allowed her to not only escape college debt-free but also build a $99,000 net worth, a figure that will make her Coast FI until retirement—which isn’t on the radar anytime soon! Using her newfound financial freedom, Emma has built her “dream” life by working in a field she loves and taking plenty of time off to travel.  In this episode, Emma shares about all of the different jobs and side hustles she took up to supercharge her savings, as well as several creative “hacks” she used to help fund her college tuition. She also talks about some of the pivotal moments that shaped her views on personal finance, such as discovering the power of compound interest and finding an entire support system through the FI community!    In This Episode We Cover  How Emma became Coast FI by twenty-four and built a $99,000 net worth  Creative ways to fund your college education and escape debt-free  The real value of buying used cars from private owners (and where to find deals!)  How to create a fun and fulfilling life you don’t want to retire from  How to fast-track your fortune using the power of compound interest  Making your money work harder for you after stockpiling cash  And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  Network with Other Investors on The Path to FIRE Through the BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Mindy on BiggerPockets  Scott on BiggePockets  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Find an Investor-Friendly Agent in Your Area  Find Investor-Friendly Lenders  Property Manager Finder  BiggerPockets Money Episode 474 - Mindy and Scott’s Favorite Sleepaway Camp for FIRE Chasers  BiggerPockets Money Episode 449 - Coast FI in 4 Years: Cutting Expenses, Doubling Your Income, & HUGE Savings  BiggerPockets Money Episode 323 – Coast FI: The Calculated Way to Retire Early WITHOUT Giving Up What You Love w/Jessica from The Fioneers  Learn More About EconoMe Conference    00:00 Intro  01:18 Working & Saving at 14!  07:32 Taking Control of Her Finances  10:52 Buying Used Cars  15:32 Creative Ways to Fund College  23:28 Learning to Invest  30:12 Joining the FI Community  37:48 $99K Net Worth at 24!  45:07 The Power of Coast FI    Check out more resources from this show on BiggerPockets.com and https://www.biggerpockets.com/blog/money-534    Interested in learning more about today’s sponsors or becoming a BiggerPockets partner yourself? Email advertise@biggerpockets.com.]]></content:encoded>
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	<itunes:summary><![CDATA[Could Coast FI be your BEST path to financial independence? Maybe you don’t want to retire early—not yet, at least. Hustle for a few years, invest your money, and watch it snowball instead! This twenty-four-year-old saved nearly $100,000 with this strategy, and in today’s episode, she’ll show you how to do the same!  Emma von Weise was determined to take control of her finances at a very early age, getting her first job at just fourteen years old and saving money at every opportunity. This allowed her to not only escape college debt-free but also build a $99,000 net worth, a figure that will make her Coast FI until retirement—which isn’t on the radar anytime soon! Using her newfound financial freedom, Emma has built her “dream” life by working in a field she loves and taking plenty of time off to travel.  In this episode, Emma shares about all of the different jobs and side hustles she took up to supercharge her savings, as well as several creative “hacks” she used to help fund her college tuition. She also talks about some of the pivotal moments that shaped her views on personal finance, such as discovering the power of compound interest and finding an entire support system through the FI community!    In This Episode We Cover  How Emma became Coast FI by twenty-four and built a $99,000 net worth  Creative ways to fund your college education and escape debt-free  The real value of buying used cars from private owners (and where to find deals!)  How to create a fun and fulfilling life you don’t want to retire from  How to fast-track your fortune using the power of compound interest  Making your money work harder for you after stockpiling cash  And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  Network with Other Investors on The Path to FIRE Through the BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Mindy on BiggerPockets  Scott on BiggePockets  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Find an Investor-Friendly Agent in Your Area  Find Investor-Friendly Lenders  Property Manager Finder  BiggerPockets Money Episode 474 - Mindy and Scott’s Favorite Sleepaway Camp for FIRE Chasers  BiggerPockets Money Episode 449 - Coast FI in 4 Years: Cutting Expenses, Doubling Your Income, & HUGE Savings  BiggerPockets Money Episode 323 – Coast FI: The Calculated Way to Retire Early WITHOUT Giving Up What You Love w/Jessica from The Fioneers  Learn More About EconoMe Conference    00:00 Intro  01:18 Working & Saving at 14!  07:32 Taking Control of Her Finances  10:52 Buying Used Cars  15:32 Creative Ways to Fund College  23:28 Learning to Invest  30:12 Joining the FI Community  37:48 $99K Net Worth at 24!  45:07 The Power of Coast FI    Check out more resources from this show on BiggerPockets.com and https://www.biggerpockets.com/blog/money-534    Interested in learning more about today’s sponsors or becoming a BiggerPockets partner yourself? Email advertise@biggerpockets.com.]]></itunes:summary>
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	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[Could Coast FI be your BEST path to financial independence? Maybe you don’t want to retire early—not yet, at least. Hustle for a few years, invest your money, and watch it snowball instead! This twenty-four-year-old saved nearly $100,000 with this strategy, and in today’s episode, she’ll show you how to do the same!  Emma von Weise was determined to take control of her finances at a very early age, getting her first job at just fourteen years old and saving money at every opportunity. This allowed her to not only escape college debt-free but also build a $99,000 net worth, a figure that will make her Coast FI until retirement—which isn’t on the radar anytime soon! Using her newfound financial freedom, Emma has built her “dream” life by working in a field she loves and taking plenty of time off to travel.  In this episode, Emma shares about all of the different jobs and side hustles she took up to supercharge her savings, as well as several creative “hacks” she used to help fund her co]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
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<item>
	<title>533: What Even We Didn’t Know About “Protecting” Our Wealth</title>
	<link>https://biggerpocketsmoney.com/podcast/533-what-even-we-didnt-know-about-protecting-our-wealth/</link>
	<pubDate>Fri, 31 May 2024 06:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">4a57a5b6-8901-11ee-8f23-ef1673cd0559</guid>
	<description><![CDATA[Are you working towards FIRE or building a financial legacy? Then DON’T skip this episode! What’s the point of creating generational wealth if it will be lost after you’re gone? Jenny Rozelle, estate and elder attorney, is back on the show to answer some of our most pressing questions about wills, trusts, estate planning, and everything in between! She’s got some answers that even personal finance experts Mindy and Scott didn’t know. And if you’re just starting to think about preserving your future wealth, this episode may shock you, too.  From “napkin” wills to bad inheritances, protecting your heirs’ wealth from potential future divorce, and whether or not you’re owed millions after your tipsy Aunt promised you her vacation home, Jenny clears up all the misconceptions that most Americans have about inheritance and estate planning.   Plus, if you’ve got children or loved ones you’re planning to pass your wealth on to, it’s crucial to follow Jenny’s advice on updating your will. Neglecting to update your estate plans or planning around the wrong people could put your wealth at risk!   Check out Jenny’s part one episode here!     In This Episode We Cover  Whether or not a verbal promise of inheritance will hold up in the future   Revocable vs. irrevocable trusts and the ONLY two situations you’d choose an irrevocable one  When to update your will and why Jenny DOESN’T keep a set timeline   Protecting your heirs from losing their inheritance to divorce   What to do when you get an inheritance that brings you more headache than it’s worth   Why communication is critical in estate planning and who you should estate plan with   And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  Network with Other Investors on The Path to FIRE Through the BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Mindy on BiggerPockets  Scott on BiggePockets  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Find an Investor-Friendly Agent in Your Area  Find Investor-Friendly Lenders  Property Manager Finder  BiggerPockets Money 532 - Building Generational Wealth? Don’t Lose It with This ONE Critical Mistake w/Jenny Rozelle  BiggerPockets Money 401 - The Post-Passing Plan: 3 Steps to Protect Your Family’s Financial Future  BiggerPockets Money 503 - How to Keep MORE of Your Inheritance From the IRS (Avoid These Tax Mistakes!)    00:00 Intro  01:28 Revocable vs. Irrevocable Trusts  02:29 The Estate Planning Timeline  05:35 Verbal Promises and Inheritance   10:21 When to Update Your Will  12:04 Protecting from Divorce   14:58 Who to Estate Plan WITH  18:23 The Downside of Inheritance   22:54 The “Napkin” Will  25:34 Make Your Estate Plan Today!     Check out more resources from this show on BiggerPockets.com and https://www.biggerpockets.com/blog/money-533    Interested in learning more about today’s sponsors or becoming a BiggerPockets partner yourself? Email advertise@biggerpockets.com]]></description>
	<itunes:subtitle><![CDATA[Are you working towards FIRE or building a financial legacy? Then DON’T skip this episode! What’s the point of creating generational wealth if it will be lost after you’re gone? Jenny Rozelle, estate and elder attorney, is back on the show to answer some]]></itunes:subtitle>
	<content:encoded><![CDATA[Are you working towards FIRE or building a financial legacy? Then DON’T skip this episode! What’s the point of creating generational wealth if it will be lost after you’re gone? Jenny Rozelle, estate and elder attorney, is back on the show to answer some of our most pressing questions about wills, trusts, estate planning, and everything in between! She’s got some answers that even personal finance experts Mindy and Scott didn’t know. And if you’re just starting to think about preserving your future wealth, this episode may shock you, too.  From “napkin” wills to bad inheritances, protecting your heirs’ wealth from potential future divorce, and whether or not you’re owed millions after your tipsy Aunt promised you her vacation home, Jenny clears up all the misconceptions that most Americans have about inheritance and estate planning.   Plus, if you’ve got children or loved ones you’re planning to pass your wealth on to, it’s crucial to follow Jenny’s advice on updating your will. Neglecting to update your estate plans or planning around the wrong people could put your wealth at risk!   Check out Jenny’s part one episode here!     In This Episode We Cover  Whether or not a verbal promise of inheritance will hold up in the future   Revocable vs. irrevocable trusts and the ONLY two situations you’d choose an irrevocable one  When to update your will and why Jenny DOESN’T keep a set timeline   Protecting your heirs from losing their inheritance to divorce   What to do when you get an inheritance that brings you more headache than it’s worth   Why communication is critical in estate planning and who you should estate plan with   And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  Network with Other Investors on The Path to FIRE Through the BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Mindy on BiggerPockets  Scott on BiggePockets  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Find an Investor-Friendly Agent in Your Area  Find Investor-Friendly Lenders  Property Manager Finder  BiggerPockets Money 532 - Building Generational Wealth? Don’t Lose It with This ONE Critical Mistake w/Jenny Rozelle  BiggerPockets Money 401 - The Post-Passing Plan: 3 Steps to Protect Your Family’s Financial Future  BiggerPockets Money 503 - How to Keep MORE of Your Inheritance From the IRS (Avoid These Tax Mistakes!)    00:00 Intro  01:28 Revocable vs. Irrevocable Trusts  02:29 The Estate Planning Timeline  05:35 Verbal Promises and Inheritance   10:21 When to Update Your Will  12:04 Protecting from Divorce   14:58 Who to Estate Plan WITH  18:23 The Downside of Inheritance   22:54 The “Napkin” Will  25:34 Make Your Estate Plan Today!     Check out more resources from this show on BiggerPockets.com and https://www.biggerpockets.com/blog/money-533    Interested in learning more about today’s sponsors or becoming a BiggerPockets partner yourself? Email advertise@biggerpockets.com]]></content:encoded>
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	<itunes:summary><![CDATA[Are you working towards FIRE or building a financial legacy? Then DON’T skip this episode! What’s the point of creating generational wealth if it will be lost after you’re gone? Jenny Rozelle, estate and elder attorney, is back on the show to answer some of our most pressing questions about wills, trusts, estate planning, and everything in between! She’s got some answers that even personal finance experts Mindy and Scott didn’t know. And if you’re just starting to think about preserving your future wealth, this episode may shock you, too.  From “napkin” wills to bad inheritances, protecting your heirs’ wealth from potential future divorce, and whether or not you’re owed millions after your tipsy Aunt promised you her vacation home, Jenny clears up all the misconceptions that most Americans have about inheritance and estate planning.   Plus, if you’ve got children or loved ones you’re planning to pass your wealth on to, it’s crucial to follow Jenny’s advice on updating your will. Neglecting to update your estate plans or planning around the wrong people could put your wealth at risk!   Check out Jenny’s part one episode here!     In This Episode We Cover  Whether or not a verbal promise of inheritance will hold up in the future   Revocable vs. irrevocable trusts and the ONLY two situations you’d choose an irrevocable one  When to update your will and why Jenny DOESN’T keep a set timeline   Protecting your heirs from losing their inheritance to divorce   What to do when you get an inheritance that brings you more headache than it’s worth   Why communication is critical in estate planning and who you should estate plan with   And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  Network with Other Investors on The Path to FIRE Through the BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Mindy on BiggerPockets  Scott on BiggePockets  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Find an Investor-Friendly Agent in Your Area  Find Investor-Friendly Lenders  Property Manager Finder  BiggerPockets Money 532 - Building Generational Wealth? Don’t Lose It with This ONE Critical Mistake w/Jenny Rozelle  BiggerPockets Money 401 - The Post-Passing Plan: 3 Steps to Protect Your Family’s Financial Future  BiggerPockets Money 503 - How to Keep MORE of Your Inheritance From the IRS (Avoid These Tax Mistakes!)    00:00 Intro  01:28 Revocable vs. Irrevocable Trusts  02:29 The Estate Planning Timeline  05:35 Verbal Promises and Inheritance   10:21 When to Update Your Will  12:04 Protecting from Divorce   14:58 Who to Estate Plan WITH  18:23 The Downside of Inheritance   22:54 The “Napkin” Will  25:34 Make Your Estate Plan Today!     Check out more resources from this show on BiggerPockets.com and https://www.biggerpockets.com/blog/money-533    Interested in learning more about today’s sponsors or becoming a BiggerPockets partner yourself? Email advertise@biggerpockets.com]]></itunes:summary>
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	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[Are you working towards FIRE or building a financial legacy? Then DON’T skip this episode! What’s the point of creating generational wealth if it will be lost after you’re gone? Jenny Rozelle, estate and elder attorney, is back on the show to answer some of our most pressing questions about wills, trusts, estate planning, and everything in between! She’s got some answers that even personal finance experts Mindy and Scott didn’t know. And if you’re just starting to think about preserving your future wealth, this episode may shock you, too.  From “napkin” wills to bad inheritances, protecting your heirs’ wealth from potential future divorce, and whether or not you’re owed millions after your tipsy Aunt promised you her vacation home, Jenny clears up all the misconceptions that most Americans have about inheritance and estate planning.   Plus, if you’ve got children or loved ones you’re planning to pass your wealth on to, it’s crucial to follow Jenny’s advice on updating your will. Negle]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
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<item>
	<title>532: Building Generational Wealth? Don’t Lose It with This ONE Critical Mistake</title>
	<link>https://biggerpocketsmoney.com/podcast/532-building-generational-wealth-dont-lose-it-with-this-one-critical-mistake/</link>
	<pubDate>Tue, 28 May 2024 06:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">48a5d5d0-8901-11ee-8f23-473b8fab061a</guid>
	<description><![CDATA[You’re working hard to build wealth, but without estate planning, your assets could easily land in the wrong hands, causing your family a great deal of trouble. No one likes thinking about their death, but you NEED to tackle this issue head-on if you hope to preserve your legacy!  Welcome back to the BiggerPockets Money podcast! Today, we’re tackling two of the most taboo topics—death and money—with estate and elder attorney Jenny Rozelle. If you’re nearly ready to retire, you MUST develop an estate plan. Otherwise, intestate succession laws will determine your fortune’s fate. Even if you’re young and have little to your name, there are basic steps you can take today to ensure that your current and future assets don’t go to the wrong person.  In this episode, you’ll learn how to find the BEST estate planning attorney and prepare for your first meeting. Jenny also shares the truth behind probate and why it isn’t nearly as painful as it sounds!  Stick around for part two, where we rapid-fire estate planning questions at Jenny as she shares information even we didn't know about!    In This Episode We Cover  Basic estate planning documents every person needs (regardless of age)  What really happens in probate court (and why it’s NOT as scary as it sounds)  Intestacy explained, and how to stop your assets from landing in the wrong hands  How to make sorting out your estate as easy as possible for your loved ones  And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  Network with Other Investors on The Path to FIRE Through the BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Mindy on BiggerPockets  Scott on BiggePockets  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Find an Investor-Friendly Agent in Your Area  Find Investor-Friendly Lenders  Property Manager Finder  BiggerPockets Money 404 - How to Build Wealth in Three Simple Steps w/The Money Guy Show  BiggerPockets Money 510 - Morgan Housel: Financial Lessons From History Anyone Can Use to Get Rich  Grab Brian’s New Book, “Millionaire Mission”  Money Guys Show  BiggerPockets Money 397 - Estate Planning, Wills, and What to Do NOW to Protect Your Heirs  BiggerPockets Money 401 - The Post-Passing Plan: 3 Steps to Protect Your Family’s Financial Future  BiggerPockets Money 503 - How to Keep MORE of Your Inheritance From the IRS (Avoid These Tax Mistakes!)    00:00 Intro  01:27 Why You NEED an Estate Plan  07:52 Finding an Attorney & Probate 101  18:10 First Steps for Early Retirees  24:56 Getting Organized & Estate Planning Costs  37:00 Connect with Jenny!  37:29 Start Planning Today!    Check out more resources from this show on BiggerPockets.com and https://www.biggerpockets.com/blog/money-532    Interested in learning more about today’s sponsors or becoming a BiggerPockets partner yourself? Email advertise@biggerpockets.com]]></description>
	<itunes:subtitle><![CDATA[You’re working hard to build wealth, but without estate planning, your assets could easily land in the wrong hands, causing your family a great deal of trouble. No one likes thinking about their death, but you NEED to tackle this issue head-on if you hop]]></itunes:subtitle>
	<content:encoded><![CDATA[You’re working hard to build wealth, but without estate planning, your assets could easily land in the wrong hands, causing your family a great deal of trouble. No one likes thinking about their death, but you NEED to tackle this issue head-on if you hope to preserve your legacy!  Welcome back to the BiggerPockets Money podcast! Today, we’re tackling two of the most taboo topics—death and money—with estate and elder attorney Jenny Rozelle. If you’re nearly ready to retire, you MUST develop an estate plan. Otherwise, intestate succession laws will determine your fortune’s fate. Even if you’re young and have little to your name, there are basic steps you can take today to ensure that your current and future assets don’t go to the wrong person.  In this episode, you’ll learn how to find the BEST estate planning attorney and prepare for your first meeting. Jenny also shares the truth behind probate and why it isn’t nearly as painful as it sounds!  Stick around for part two, where we rapid-fire estate planning questions at Jenny as she shares information even we didn't know about!    In This Episode We Cover  Basic estate planning documents every person needs (regardless of age)  What really happens in probate court (and why it’s NOT as scary as it sounds)  Intestacy explained, and how to stop your assets from landing in the wrong hands  How to make sorting out your estate as easy as possible for your loved ones  And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  Network with Other Investors on The Path to FIRE Through the BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Mindy on BiggerPockets  Scott on BiggePockets  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Find an Investor-Friendly Agent in Your Area  Find Investor-Friendly Lenders  Property Manager Finder  BiggerPockets Money 404 - How to Build Wealth in Three Simple Steps w/The Money Guy Show  BiggerPockets Money 510 - Morgan Housel: Financial Lessons From History Anyone Can Use to Get Rich  Grab Brian’s New Book, “Millionaire Mission”  Money Guys Show  BiggerPockets Money 397 - Estate Planning, Wills, and What to Do NOW to Protect Your Heirs  BiggerPockets Money 401 - The Post-Passing Plan: 3 Steps to Protect Your Family’s Financial Future  BiggerPockets Money 503 - How to Keep MORE of Your Inheritance From the IRS (Avoid These Tax Mistakes!)    00:00 Intro  01:27 Why You NEED an Estate Plan  07:52 Finding an Attorney & Probate 101  18:10 First Steps for Early Retirees  24:56 Getting Organized & Estate Planning Costs  37:00 Connect with Jenny!  37:29 Start Planning Today!    Check out more resources from this show on BiggerPockets.com and https://www.biggerpockets.com/blog/money-532    Interested in learning more about today’s sponsors or becoming a BiggerPockets partner yourself? Email advertise@biggerpockets.com]]></content:encoded>
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	<itunes:summary><![CDATA[You’re working hard to build wealth, but without estate planning, your assets could easily land in the wrong hands, causing your family a great deal of trouble. No one likes thinking about their death, but you NEED to tackle this issue head-on if you hope to preserve your legacy!  Welcome back to the BiggerPockets Money podcast! Today, we’re tackling two of the most taboo topics—death and money—with estate and elder attorney Jenny Rozelle. If you’re nearly ready to retire, you MUST develop an estate plan. Otherwise, intestate succession laws will determine your fortune’s fate. Even if you’re young and have little to your name, there are basic steps you can take today to ensure that your current and future assets don’t go to the wrong person.  In this episode, you’ll learn how to find the BEST estate planning attorney and prepare for your first meeting. Jenny also shares the truth behind probate and why it isn’t nearly as painful as it sounds!  Stick around for part two, where we rapid-fire estate planning questions at Jenny as she shares information even we didn't know about!    In This Episode We Cover  Basic estate planning documents every person needs (regardless of age)  What really happens in probate court (and why it’s NOT as scary as it sounds)  Intestacy explained, and how to stop your assets from landing in the wrong hands  How to make sorting out your estate as easy as possible for your loved ones  And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  Network with Other Investors on The Path to FIRE Through the BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Mindy on BiggerPockets  Scott on BiggePockets  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Find an Investor-Friendly Agent in Your Area  Find Investor-Friendly Lenders  Property Manager Finder  BiggerPockets Money 404 - How to Build Wealth in Three Simple Steps w/The Money Guy Show  BiggerPockets Money 510 - Morgan Housel: Financial Lessons From History Anyone Can Use to Get Rich  Grab Brian’s New Book, “Millionaire Mission”  Money Guys Show  BiggerPockets Money 397 - Estate Planning, Wills, and What to Do NOW to Protect Your Heirs  BiggerPockets Money 401 - The Post-Passing Plan: 3 Steps to Protect Your Family’s Financial Future  BiggerPockets Money 503 - How to Keep MORE of Your Inheritance From the IRS (Avoid These Tax Mistakes!)    00:00 Intro  01:27 Why You NEED an Estate Plan  07:52 Finding an Attorney & Probate 101  18:10 First Steps for Early Retirees  24:56 Getting Organized & Estate Planning Costs  37:00 Connect with Jenny!  37:29 Start Planning Today!    Check out more resources from this show on BiggerPockets.com and https://www.biggerpockets.com/blog/money-532    Interested in learning more about today’s sponsors or becoming a BiggerPockets partner yourself? Email advertise@biggerpockets.com]]></itunes:summary>
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	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[You’re working hard to build wealth, but without estate planning, your assets could easily land in the wrong hands, causing your family a great deal of trouble. No one likes thinking about their death, but you NEED to tackle this issue head-on if you hope to preserve your legacy!  Welcome back to the BiggerPockets Money podcast! Today, we’re tackling two of the most taboo topics—death and money—with estate and elder attorney Jenny Rozelle. If you’re nearly ready to retire, you MUST develop an estate plan. Otherwise, intestate succession laws will determine your fortune’s fate. Even if you’re young and have little to your name, there are basic steps you can take today to ensure that your current and future assets don’t go to the wrong person.  In this episode, you’ll learn how to find the BEST estate planning attorney and prepare for your first meeting. Jenny also shares the truth behind probate and why it isn’t nearly as painful as it sounds!  Stick around for part two, where we rapid]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
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<item>
	<title>531: Financial Freedom in 9 Steps: The Money Guy’s Financial Order of Operations</title>
	<link>https://biggerpocketsmoney.com/podcast/531-financial-freedom-in-9-steps-the-money-guys-financial-order-of-operations/</link>
	<pubDate>Fri, 24 May 2024 06:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
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	<description><![CDATA[If you follow these nine steps, you will reach financial independence. How do we know? Well, The Money Guy Show’s Brian Preston and Bo Hanson have tested it hundreds of times! Using this simple but extremely powerful “financial order of operations,” anyone from any background can achieve FIRE, even starting with nothing. From free money to becoming easily debt-free, building a solid financial foundation, and even paying off your mortgage early, Brian and Bo break down the exact route to financial freedom anyone can take.  But first, we’ll discover if you’re a “financial mutant.” The fact that you’re listening to BiggerPockets Money already proves that you might be. But for those who have struggled with high-interest credit card debt, low savings, and lackluster investing, this episode has EVERYTHING you need to become a financial powerhouse by making nine smart money moves.   We’ll walk through the entire financial order of operations, from saving money to cover your deductibles to building an emergency reserve, paying off bad debt, and the “hyper-accumulation” stage you must reach to watch your net worth explode. If you’re ready to take the steps to realize financial freedom in the not-so-distant future, stay with us and grab Brian’s newest book, Millionaire Mission!     In This Episode We Cover  The nine-step "financial order of operations" that will lead you to financial independence  Why building a $1,000 emergency fund is NOT enough and how much you really need  Whether or not to pay off your “high-interest” debt depending on your age   Why Brian and Bo advise people NOT to invest in real estate until they’re at THIS stage   The one investment account to max out before all the rest (it’s NOT your 401(k)!)   The “hyper-accumulation” stage that will explode your wealth (IF you can reach it)  And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  Network with Other Investors on The Path to FIRE Through the BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Mindy on BiggerPockets  Scott on BiggePockets  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Find an Investor-Friendly Agent in Your Area  Find Investor-Friendly Lenders  Property Manager Finder  BiggerPockets Money 404 - How to Build Wealth in Three Simple Steps w/The Money Guy Show  BiggerPockets Money 510 - Morgan Housel: Financial Lessons From History Anyone Can Use to Get Rich  Grab Brian’s New Book, “Millionaire Mission”    Check out more resources from this show on BiggerPockets.com and https://www.biggerpockets.com/blog/money-531    Interested in learning more about today’s sponsors or becoming a BiggerPockets partner yourself? Email advertise@biggerpockets.com]]></description>
	<itunes:subtitle><![CDATA[If you follow these nine steps, you will reach financial independence. How do we know? Well, The Money Guy Show’s Brian Preston and Bo Hanson have tested it hundreds of times! Using this simple but extremely powerful “financial order of operations,” anyo]]></itunes:subtitle>
	<content:encoded><![CDATA[If you follow these nine steps, you will reach financial independence. How do we know? Well, The Money Guy Show’s Brian Preston and Bo Hanson have tested it hundreds of times! Using this simple but extremely powerful “financial order of operations,” anyone from any background can achieve FIRE, even starting with nothing. From free money to becoming easily debt-free, building a solid financial foundation, and even paying off your mortgage early, Brian and Bo break down the exact route to financial freedom anyone can take.  But first, we’ll discover if you’re a “financial mutant.” The fact that you’re listening to BiggerPockets Money already proves that you might be. But for those who have struggled with high-interest credit card debt, low savings, and lackluster investing, this episode has EVERYTHING you need to become a financial powerhouse by making nine smart money moves.   We’ll walk through the entire financial order of operations, from saving money to cover your deductibles to building an emergency reserve, paying off bad debt, and the “hyper-accumulation” stage you must reach to watch your net worth explode. If you’re ready to take the steps to realize financial freedom in the not-so-distant future, stay with us and grab Brian’s newest book, Millionaire Mission!     In This Episode We Cover  The nine-step "financial order of operations" that will lead you to financial independence  Why building a $1,000 emergency fund is NOT enough and how much you really need  Whether or not to pay off your “high-interest” debt depending on your age   Why Brian and Bo advise people NOT to invest in real estate until they’re at THIS stage   The one investment account to max out before all the rest (it’s NOT your 401(k)!)   The “hyper-accumulation” stage that will explode your wealth (IF you can reach it)  And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  Network with Other Investors on The Path to FIRE Through the BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Mindy on BiggerPockets  Scott on BiggePockets  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Find an Investor-Friendly Agent in Your Area  Find Investor-Friendly Lenders  Property Manager Finder  BiggerPockets Money 404 - How to Build Wealth in Three Simple Steps w/The Money Guy Show  BiggerPockets Money 510 - Morgan Housel: Financial Lessons From History Anyone Can Use to Get Rich  Grab Brian’s New Book, “Millionaire Mission”    Check out more resources from this show on BiggerPockets.com and https://www.biggerpockets.com/blog/money-531    Interested in learning more about today’s sponsors or becoming a BiggerPockets partner yourself? Email advertise@biggerpockets.com]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC4029172468.mp3" length="81781984" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[If you follow these nine steps, you will reach financial independence. How do we know? Well, The Money Guy Show’s Brian Preston and Bo Hanson have tested it hundreds of times! Using this simple but extremely powerful “financial order of operations,” anyone from any background can achieve FIRE, even starting with nothing. From free money to becoming easily debt-free, building a solid financial foundation, and even paying off your mortgage early, Brian and Bo break down the exact route to financial freedom anyone can take.  But first, we’ll discover if you’re a “financial mutant.” The fact that you’re listening to BiggerPockets Money already proves that you might be. But for those who have struggled with high-interest credit card debt, low savings, and lackluster investing, this episode has EVERYTHING you need to become a financial powerhouse by making nine smart money moves.   We’ll walk through the entire financial order of operations, from saving money to cover your deductibles to building an emergency reserve, paying off bad debt, and the “hyper-accumulation” stage you must reach to watch your net worth explode. If you’re ready to take the steps to realize financial freedom in the not-so-distant future, stay with us and grab Brian’s newest book, Millionaire Mission!     In This Episode We Cover  The nine-step "financial order of operations" that will lead you to financial independence  Why building a $1,000 emergency fund is NOT enough and how much you really need  Whether or not to pay off your “high-interest” debt depending on your age   Why Brian and Bo advise people NOT to invest in real estate until they’re at THIS stage   The one investment account to max out before all the rest (it’s NOT your 401(k)!)   The “hyper-accumulation” stage that will explode your wealth (IF you can reach it)  And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  Network with Other Investors on The Path to FIRE Through the BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Mindy on BiggerPockets  Scott on BiggePockets  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Find an Investor-Friendly Agent in Your Area  Find Investor-Friendly Lenders  Property Manager Finder  BiggerPockets Money 404 - How to Build Wealth in Three Simple Steps w/The Money Guy Show  BiggerPockets Money 510 - Morgan Housel: Financial Lessons From History Anyone Can Use to Get Rich  Grab Brian’s New Book, “Millionaire Mission”    Check out more resources from this show on BiggerPockets.com and https://www.biggerpockets.com/blog/money-531    Interested in learning more about today’s sponsors or becoming a BiggerPockets partner yourself? Email advertise@biggerpockets.com]]></itunes:summary>
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	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[If you follow these nine steps, you will reach financial independence. How do we know? Well, The Money Guy Show’s Brian Preston and Bo Hanson have tested it hundreds of times! Using this simple but extremely powerful “financial order of operations,” anyone from any background can achieve FIRE, even starting with nothing. From free money to becoming easily debt-free, building a solid financial foundation, and even paying off your mortgage early, Brian and Bo break down the exact route to financial freedom anyone can take.  But first, we’ll discover if you’re a “financial mutant.” The fact that you’re listening to BiggerPockets Money already proves that you might be. But for those who have struggled with high-interest credit card debt, low savings, and lackluster investing, this episode has EVERYTHING you need to become a financial powerhouse by making nine smart money moves.   We’ll walk through the entire financial order of operations, from saving money to cover your deductibles to bu]]></googleplay:description>
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<item>
	<title>530: Reaching $1M Net Worth and FI in 6 Years with a “Home Run” Rental Property</title>
	<link>https://biggerpocketsmoney.com/podcast/530-reaching-1m-net-worth-and-fi-in-6-years-with-a-home-run-rental-property/</link>
	<pubDate>Tue, 21 May 2024 06:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
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	<description><![CDATA[You DON’T have to spend your entire life chasing financial independence. Play your cards right, and you may not even need a whole decade! With a little hard work and sacrifice, today’s guest became a millionaire (and financially free) in just SIX years!  Welcome back to the BiggerPockets Money podcast! After years of “drifting” through life and racking up bad debt, Erichad a moment when he realized he might not be able to rely on his W2 income for as long as he had hoped. Seeing the writing on the wall, he decided to get serious about achieving financial independence—buying rental properties, fixing them up, and eventually flipping them for a huge profit. One “home run” deal catapulted him toward his FI goal and a $1 million net worth!  If you dream of financial freedom but don’t want to spend your whole life getting there, this episode is for you! Eric offers some helpful advice for those who are looking to start their own FIRE journey—including why new investorsshould buy “grandpa’s house,” how to uncover “rare” real estate deals on the multiple listings service (MLS), and how to get the maximum return on a few years of sacrifice!    In This Episode We Cover  How Eric became a millionaire and reached financial independence in SIX years  Why buying “grandpa’s house” is a cheat code for building wealth  How to start fixing and flipping houses (and turn a HUGE profit!)  How to find “rare” real estate deals on the multiple listings service (MLS)  Building your real estate portfolio by using your profits to buy MORE properties  And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  Network with Other Investors on The Path to FIRE Through the BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Mindy on BiggerPockets  Scott on BiggePockets  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Find an Investor-Friendly Agent in Your Area  Find Investor-Friendly Lenders  Property Manager Finder  Grab Your Copy of “The Book on Flipping Houses”  BiggerPockets Money 516 - Jaspreet Singh: Getting Rich Slowly and Why Some People STAY Broke  BiggerPockets Money 481 - Building a $1 Million Net Worth in Only 3 Years by Investing in Real Estate  Connect with Eric on BiggerPockets    00:00 Intro  01:22Millionaire in 6 Years!  03:34 Buying “Grandpa’s House”  09:04 Eric’s BIG Turning Point  15:24 The Journey to $1 Million  19:08 The “Home Run” Rental  31:45 Moving to New Hampshire  33:13 How to Reach FI  36:13 Share Your Money Story!    Check out more resources from this show on BiggerPockets.com and https://www.biggerpockets.com/blog/money-530    Interested in learning more about today’s sponsors or becoming a BiggerPockets partner yourself? Email advertise@biggerpockets.com]]></description>
	<itunes:subtitle><![CDATA[You DON’T have to spend your entire life chasing financial independence. Play your cards right, and you may not even need a whole decade! With a little hard work and sacrifice, today’s guest became a millionaire (and financially free) in just SIX years! ]]></itunes:subtitle>
	<content:encoded><![CDATA[You DON’T have to spend your entire life chasing financial independence. Play your cards right, and you may not even need a whole decade! With a little hard work and sacrifice, today’s guest became a millionaire (and financially free) in just SIX years!  Welcome back to the BiggerPockets Money podcast! After years of “drifting” through life and racking up bad debt, Erichad a moment when he realized he might not be able to rely on his W2 income for as long as he had hoped. Seeing the writing on the wall, he decided to get serious about achieving financial independence—buying rental properties, fixing them up, and eventually flipping them for a huge profit. One “home run” deal catapulted him toward his FI goal and a $1 million net worth!  If you dream of financial freedom but don’t want to spend your whole life getting there, this episode is for you! Eric offers some helpful advice for those who are looking to start their own FIRE journey—including why new investorsshould buy “grandpa’s house,” how to uncover “rare” real estate deals on the multiple listings service (MLS), and how to get the maximum return on a few years of sacrifice!    In This Episode We Cover  How Eric became a millionaire and reached financial independence in SIX years  Why buying “grandpa’s house” is a cheat code for building wealth  How to start fixing and flipping houses (and turn a HUGE profit!)  How to find “rare” real estate deals on the multiple listings service (MLS)  Building your real estate portfolio by using your profits to buy MORE properties  And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  Network with Other Investors on The Path to FIRE Through the BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Mindy on BiggerPockets  Scott on BiggePockets  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Find an Investor-Friendly Agent in Your Area  Find Investor-Friendly Lenders  Property Manager Finder  Grab Your Copy of “The Book on Flipping Houses”  BiggerPockets Money 516 - Jaspreet Singh: Getting Rich Slowly and Why Some People STAY Broke  BiggerPockets Money 481 - Building a $1 Million Net Worth in Only 3 Years by Investing in Real Estate  Connect with Eric on BiggerPockets    00:00 Intro  01:22Millionaire in 6 Years!  03:34 Buying “Grandpa’s House”  09:04 Eric’s BIG Turning Point  15:24 The Journey to $1 Million  19:08 The “Home Run” Rental  31:45 Moving to New Hampshire  33:13 How to Reach FI  36:13 Share Your Money Story!    Check out more resources from this show on BiggerPockets.com and https://www.biggerpockets.com/blog/money-530    Interested in learning more about today’s sponsors or becoming a BiggerPockets partner yourself? Email advertise@biggerpockets.com]]></content:encoded>
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	<itunes:summary><![CDATA[You DON’T have to spend your entire life chasing financial independence. Play your cards right, and you may not even need a whole decade! With a little hard work and sacrifice, today’s guest became a millionaire (and financially free) in just SIX years!  Welcome back to the BiggerPockets Money podcast! After years of “drifting” through life and racking up bad debt, Erichad a moment when he realized he might not be able to rely on his W2 income for as long as he had hoped. Seeing the writing on the wall, he decided to get serious about achieving financial independence—buying rental properties, fixing them up, and eventually flipping them for a huge profit. One “home run” deal catapulted him toward his FI goal and a $1 million net worth!  If you dream of financial freedom but don’t want to spend your whole life getting there, this episode is for you! Eric offers some helpful advice for those who are looking to start their own FIRE journey—including why new investorsshould buy “grandpa’s house,” how to uncover “rare” real estate deals on the multiple listings service (MLS), and how to get the maximum return on a few years of sacrifice!    In This Episode We Cover  How Eric became a millionaire and reached financial independence in SIX years  Why buying “grandpa’s house” is a cheat code for building wealth  How to start fixing and flipping houses (and turn a HUGE profit!)  How to find “rare” real estate deals on the multiple listings service (MLS)  Building your real estate portfolio by using your profits to buy MORE properties  And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  Network with Other Investors on The Path to FIRE Through the BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Mindy on BiggerPockets  Scott on BiggePockets  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Find an Investor-Friendly Agent in Your Area  Find Investor-Friendly Lenders  Property Manager Finder  Grab Your Copy of “The Book on Flipping Houses”  BiggerPockets Money 516 - Jaspreet Singh: Getting Rich Slowly and Why Some People STAY Broke  BiggerPockets Money 481 - Building a $1 Million Net Worth in Only 3 Years by Investing in Real Estate  Connect with Eric on BiggerPockets    00:00 Intro  01:22Millionaire in 6 Years!  03:34 Buying “Grandpa’s House”  09:04 Eric’s BIG Turning Point  15:24 The Journey to $1 Million  19:08 The “Home Run” Rental  31:45 Moving to New Hampshire  33:13 How to Reach FI  36:13 Share Your Money Story!    Check out more resources from this show on BiggerPockets.com and https://www.biggerpockets.com/blog/money-530    Interested in learning more about today’s sponsors or becoming a BiggerPockets partner yourself? Email advertise@biggerpockets.com]]></itunes:summary>
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	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[You DON’T have to spend your entire life chasing financial independence. Play your cards right, and you may not even need a whole decade! With a little hard work and sacrifice, today’s guest became a millionaire (and financially free) in just SIX years!  Welcome back to the BiggerPockets Money podcast! After years of “drifting” through life and racking up bad debt, Erichad a moment when he realized he might not be able to rely on his W2 income for as long as he had hoped. Seeing the writing on the wall, he decided to get serious about achieving financial independence—buying rental properties, fixing them up, and eventually flipping them for a huge profit. One “home run” deal catapulted him toward his FI goal and a $1 million net worth!  If you dream of financial freedom but don’t want to spend your whole life getting there, this episode is for you! Eric offers some helpful advice for those who are looking to start their own FIRE journey—including why new investorsshould buy “grandpa’s]]></googleplay:description>
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<item>
	<title>529: FI by 25: How to Buy Time and Freedom with a Few Years of Frugal Living</title>
	<link>https://biggerpocketsmoney.com/podcast/529-fi-by-25-how-to-buy-time-and-freedom-with-a-few-years-of-frugal-living/</link>
	<pubDate>Fri, 17 May 2024 06:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
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	<description><![CDATA[Financial independence by the age of twenty-five?! Today’s guest started working and saving money at a very early age, which allowed him to buy the time and freedom to do the things he values most. Whether you’re twenty-five or fifty-five, applying some of these simple principles to your own life can propel you toward financial freedom!  Welcome back to the BiggerPockets Money podcast! Today, we’re chatting with Gabe Bult, a YouTuber, serial entrepreneur, and real estate investor who reached financial independence before his twenty-fifth birthday—all by subscribing to financial minimalism and frugal living. The only thing stopping him from retiring early? Sheer boredom! Instead, Gabe’s day typically involves precious time with his daughter, a few hours making YouTube videos, and an afternoon spent enjoying his favorite hobbies and interests.  YOU can have this life, too, but not without a little sacrifice, education, and discipline. Fortunately, it only takes a few years of ferocious frugality to get ahead, save for the future, and become “set for life.” And in this episode, Gabe will show you how to do just that! You’ll learn how to save your first $25,000 (and what to do with it), live for free with the house hacking strategy, and start a business that allows you to earn more and work less!    In This Episode We Cover  How Gabe reached financial independence by the age of twenty-five  “Financial minimalism” explained (and why it’s MUCH easier than you think!)  How a few years of frugal living can fast-track your journey to FI  Living for FREE with the house hacking investing strategy  Starting a business that allows you to earn more and work less  And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  Network with Other Investors on The Path to FIRE Through the BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Mindy on BiggerPockets  Scott on BiggePockets  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Find an Investor-Friendly Agent in Your Area  Find Investor-Friendly Lenders  Property Manager Finder  BiggerPockets Money 468 - ‘Bar Rescue’ Host Jon Taffer on the “Secret Recipe” for a Successful Business  Connect with Gabe on BiggerPockets    00:00 Intro  01:34 What Is Financial Minimalism?  04:38 A Day in the Life with FI  07:30 Gabe’s Money Journey  13:06 The Art of Entrepreneurship  16:30 House Hacking 101  24:34 Education & EXTREME Discipline  35:41 Connect with Gabe!  36:01 Become a Financial Minimalist!    Check out more resources from this show on BiggerPockets.com and https://www.biggerpockets.com/blog/money-529    Interested in learning more about today’s sponsors or becoming a BiggerPockets partner yourself? Email advertise@biggerpockets.com]]></description>
	<itunes:subtitle><![CDATA[Financial independence by the age of twenty-five?! Today’s guest started working and saving money at a very early age, which allowed him to buy the time and freedom to do the things he values most. Whether you’re twenty-five or fifty-five, applying some ]]></itunes:subtitle>
	<content:encoded><![CDATA[Financial independence by the age of twenty-five?! Today’s guest started working and saving money at a very early age, which allowed him to buy the time and freedom to do the things he values most. Whether you’re twenty-five or fifty-five, applying some of these simple principles to your own life can propel you toward financial freedom!  Welcome back to the BiggerPockets Money podcast! Today, we’re chatting with Gabe Bult, a YouTuber, serial entrepreneur, and real estate investor who reached financial independence before his twenty-fifth birthday—all by subscribing to financial minimalism and frugal living. The only thing stopping him from retiring early? Sheer boredom! Instead, Gabe’s day typically involves precious time with his daughter, a few hours making YouTube videos, and an afternoon spent enjoying his favorite hobbies and interests.  YOU can have this life, too, but not without a little sacrifice, education, and discipline. Fortunately, it only takes a few years of ferocious frugality to get ahead, save for the future, and become “set for life.” And in this episode, Gabe will show you how to do just that! You’ll learn how to save your first $25,000 (and what to do with it), live for free with the house hacking strategy, and start a business that allows you to earn more and work less!    In This Episode We Cover  How Gabe reached financial independence by the age of twenty-five  “Financial minimalism” explained (and why it’s MUCH easier than you think!)  How a few years of frugal living can fast-track your journey to FI  Living for FREE with the house hacking investing strategy  Starting a business that allows you to earn more and work less  And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  Network with Other Investors on The Path to FIRE Through the BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Mindy on BiggerPockets  Scott on BiggePockets  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Find an Investor-Friendly Agent in Your Area  Find Investor-Friendly Lenders  Property Manager Finder  BiggerPockets Money 468 - ‘Bar Rescue’ Host Jon Taffer on the “Secret Recipe” for a Successful Business  Connect with Gabe on BiggerPockets    00:00 Intro  01:34 What Is Financial Minimalism?  04:38 A Day in the Life with FI  07:30 Gabe’s Money Journey  13:06 The Art of Entrepreneurship  16:30 House Hacking 101  24:34 Education & EXTREME Discipline  35:41 Connect with Gabe!  36:01 Become a Financial Minimalist!    Check out more resources from this show on BiggerPockets.com and https://www.biggerpockets.com/blog/money-529    Interested in learning more about today’s sponsors or becoming a BiggerPockets partner yourself? Email advertise@biggerpockets.com]]></content:encoded>
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	<itunes:summary><![CDATA[Financial independence by the age of twenty-five?! Today’s guest started working and saving money at a very early age, which allowed him to buy the time and freedom to do the things he values most. Whether you’re twenty-five or fifty-five, applying some of these simple principles to your own life can propel you toward financial freedom!  Welcome back to the BiggerPockets Money podcast! Today, we’re chatting with Gabe Bult, a YouTuber, serial entrepreneur, and real estate investor who reached financial independence before his twenty-fifth birthday—all by subscribing to financial minimalism and frugal living. The only thing stopping him from retiring early? Sheer boredom! Instead, Gabe’s day typically involves precious time with his daughter, a few hours making YouTube videos, and an afternoon spent enjoying his favorite hobbies and interests.  YOU can have this life, too, but not without a little sacrifice, education, and discipline. Fortunately, it only takes a few years of ferocious frugality to get ahead, save for the future, and become “set for life.” And in this episode, Gabe will show you how to do just that! You’ll learn how to save your first $25,000 (and what to do with it), live for free with the house hacking strategy, and start a business that allows you to earn more and work less!    In This Episode We Cover  How Gabe reached financial independence by the age of twenty-five  “Financial minimalism” explained (and why it’s MUCH easier than you think!)  How a few years of frugal living can fast-track your journey to FI  Living for FREE with the house hacking investing strategy  Starting a business that allows you to earn more and work less  And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  Network with Other Investors on The Path to FIRE Through the BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Mindy on BiggerPockets  Scott on BiggePockets  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Find an Investor-Friendly Agent in Your Area  Find Investor-Friendly Lenders  Property Manager Finder  BiggerPockets Money 468 - ‘Bar Rescue’ Host Jon Taffer on the “Secret Recipe” for a Successful Business  Connect with Gabe on BiggerPockets    00:00 Intro  01:34 What Is Financial Minimalism?  04:38 A Day in the Life with FI  07:30 Gabe’s Money Journey  13:06 The Art of Entrepreneurship  16:30 House Hacking 101  24:34 Education & EXTREME Discipline  35:41 Connect with Gabe!  36:01 Become a Financial Minimalist!    Check out more resources from this show on BiggerPockets.com and https://www.biggerpockets.com/blog/money-529    Interested in learning more about today’s sponsors or becoming a BiggerPockets partner yourself? Email advertise@biggerpockets.com]]></itunes:summary>
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	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[Financial independence by the age of twenty-five?! Today’s guest started working and saving money at a very early age, which allowed him to buy the time and freedom to do the things he values most. Whether you’re twenty-five or fifty-five, applying some of these simple principles to your own life can propel you toward financial freedom!  Welcome back to the BiggerPockets Money podcast! Today, we’re chatting with Gabe Bult, a YouTuber, serial entrepreneur, and real estate investor who reached financial independence before his twenty-fifth birthday—all by subscribing to financial minimalism and frugal living. The only thing stopping him from retiring early? Sheer boredom! Instead, Gabe’s day typically involves precious time with his daughter, a few hours making YouTube videos, and an afternoon spent enjoying his favorite hobbies and interests.  YOU can have this life, too, but not without a little sacrifice, education, and discipline. Fortunately, it only takes a few years of ferocious ]]></googleplay:description>
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<item>
	<title>528: The Small Business Owner’s Guide to Taxes, LLCs, Deductions, &#038; Audit Risks</title>
	<link>https://biggerpocketsmoney.com/podcast/528-the-small-business-owners-guide-to-taxes-llcs-deductions-audit-risks/</link>
	<pubDate>Tue, 14 May 2024 06:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
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	<description><![CDATA[Starting your first or next business? This episode is for you. Today, we’re bringing you everything you need to know about small business taxes for beginners. Whether you’re a solo entrepreneur, partner, landlord, house flipper, Airbnb host, or something in between, you MUST know about these tax laws before you start making money with your own business because if you get them wrong, you could be paying a MASSIVE penalty come tax time. You could save yourself thousands, or TENS of thousands, just by tuning in!  Brandon Hall, CPA, runs a real-estate-focused tax and accounting firm for big and small real estate investors. But, even if you’re not investing in real estate, these tax tips also apply to YOU. In today’s episode, we threw dozens of hard-hitting tax questions at Brandon so you know what to do with your next side hustle or full-blown business.  We’ll discuss whether you need an LLC, the real benefits of getting one, and which business entity (LLC, S-corp, C-corp, etc.) makes the most sense for your specific business and tax needs. Making money on your own but NOT paying quarterly taxes? This could cost you BIG, but thankfully, Brandon goes through exactly how much you could owe. And if you want to owe less to the IRS, we’ll give examples of tax deductions plus, which are NOT worth it and could put you at a BIG audit risk.  Need a tax professional for your small business? Find one for free with BiggerPockets Tax and Financial Services Finder!     In This Episode We Cover  Self-employment and small business taxes for beginners   Whether or not you need an LLC and why most real estate investors have this all wrong  Estimated taxes and the MASSIVE penalty you’ll pay if you forget about this  Tax deductions and the audit red flags that the IRS is looking for  The different business entities you can start and which has the best tax benefits   The three things you NEED to set up an LLC and the most critical one beginners forget  “SALT” taxes and why those selling goods in different states could owe even more  And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  Network with Other Investors on The Path to FIRE Through the BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Mindy on BiggerPockets  Scott on BiggePockets  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Find an Investor-Friendly Agent in Your Area  Find Investor-Friendly Lenders  How to Obtain Real Estate Professional Tax Status  Hear Past Episodes with Brandon:  BiggerPockets Real Estate 196 - LLCs, House Hacking, and Saving on Taxes with Brandon Hall  BiggerPockets Real Estate 269 - How the New Tax Code Affects Your Real Estate Investments  BiggerPockets Real Estate 934 - How to Pay Less Taxes by Buying Real Estate (1 Write-Off You’re Overlooking)  On the Market 96 - The Biggest Real Estate Tax Loophole You’ve (Probably) Never Heard Of  On the Market 165 - Year-End Tax Updates, New IRS Interest Rates, and URGENT News for LLCs  On the Market 187 - 100% Bonus Depreciation Coming Back? (Do NOT File…Yet)    Check out more resources from this show on BiggerPockets.com and https://www.biggerpockets.com/blog/money-528    Interested in learning more about today’s sponsors or becoming a BiggerPockets partner yourself? Email advertise@biggerpockets.com]]></description>
	<itunes:subtitle><![CDATA[Starting your first or next business? This episode is for you. Today, we’re bringing you everything you need to know about small business taxes for beginners. Whether you’re a solo entrepreneur, partner, landlord, house flipper, Airbnb host, or something]]></itunes:subtitle>
	<content:encoded><![CDATA[Starting your first or next business? This episode is for you. Today, we’re bringing you everything you need to know about small business taxes for beginners. Whether you’re a solo entrepreneur, partner, landlord, house flipper, Airbnb host, or something in between, you MUST know about these tax laws before you start making money with your own business because if you get them wrong, you could be paying a MASSIVE penalty come tax time. You could save yourself thousands, or TENS of thousands, just by tuning in!  Brandon Hall, CPA, runs a real-estate-focused tax and accounting firm for big and small real estate investors. But, even if you’re not investing in real estate, these tax tips also apply to YOU. In today’s episode, we threw dozens of hard-hitting tax questions at Brandon so you know what to do with your next side hustle or full-blown business.  We’ll discuss whether you need an LLC, the real benefits of getting one, and which business entity (LLC, S-corp, C-corp, etc.) makes the most sense for your specific business and tax needs. Making money on your own but NOT paying quarterly taxes? This could cost you BIG, but thankfully, Brandon goes through exactly how much you could owe. And if you want to owe less to the IRS, we’ll give examples of tax deductions plus, which are NOT worth it and could put you at a BIG audit risk.  Need a tax professional for your small business? Find one for free with BiggerPockets Tax and Financial Services Finder!     In This Episode We Cover  Self-employment and small business taxes for beginners   Whether or not you need an LLC and why most real estate investors have this all wrong  Estimated taxes and the MASSIVE penalty you’ll pay if you forget about this  Tax deductions and the audit red flags that the IRS is looking for  The different business entities you can start and which has the best tax benefits   The three things you NEED to set up an LLC and the most critical one beginners forget  “SALT” taxes and why those selling goods in different states could owe even more  And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  Network with Other Investors on The Path to FIRE Through the BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Mindy on BiggerPockets  Scott on BiggePockets  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Find an Investor-Friendly Agent in Your Area  Find Investor-Friendly Lenders  How to Obtain Real Estate Professional Tax Status  Hear Past Episodes with Brandon:  BiggerPockets Real Estate 196 - LLCs, House Hacking, and Saving on Taxes with Brandon Hall  BiggerPockets Real Estate 269 - How the New Tax Code Affects Your Real Estate Investments  BiggerPockets Real Estate 934 - How to Pay Less Taxes by Buying Real Estate (1 Write-Off You’re Overlooking)  On the Market 96 - The Biggest Real Estate Tax Loophole You’ve (Probably) Never Heard Of  On the Market 165 - Year-End Tax Updates, New IRS Interest Rates, and URGENT News for LLCs  On the Market 187 - 100% Bonus Depreciation Coming Back? (Do NOT File…Yet)    Check out more resources from this show on BiggerPockets.com and https://www.biggerpockets.com/blog/money-528    Interested in learning more about today’s sponsors or becoming a BiggerPockets partner yourself? Email advertise@biggerpockets.com]]></content:encoded>
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	<itunes:summary><![CDATA[Starting your first or next business? This episode is for you. Today, we’re bringing you everything you need to know about small business taxes for beginners. Whether you’re a solo entrepreneur, partner, landlord, house flipper, Airbnb host, or something in between, you MUST know about these tax laws before you start making money with your own business because if you get them wrong, you could be paying a MASSIVE penalty come tax time. You could save yourself thousands, or TENS of thousands, just by tuning in!  Brandon Hall, CPA, runs a real-estate-focused tax and accounting firm for big and small real estate investors. But, even if you’re not investing in real estate, these tax tips also apply to YOU. In today’s episode, we threw dozens of hard-hitting tax questions at Brandon so you know what to do with your next side hustle or full-blown business.  We’ll discuss whether you need an LLC, the real benefits of getting one, and which business entity (LLC, S-corp, C-corp, etc.) makes the most sense for your specific business and tax needs. Making money on your own but NOT paying quarterly taxes? This could cost you BIG, but thankfully, Brandon goes through exactly how much you could owe. And if you want to owe less to the IRS, we’ll give examples of tax deductions plus, which are NOT worth it and could put you at a BIG audit risk.  Need a tax professional for your small business? Find one for free with BiggerPockets Tax and Financial Services Finder!     In This Episode We Cover  Self-employment and small business taxes for beginners   Whether or not you need an LLC and why most real estate investors have this all wrong  Estimated taxes and the MASSIVE penalty you’ll pay if you forget about this  Tax deductions and the audit red flags that the IRS is looking for  The different business entities you can start and which has the best tax benefits   The three things you NEED to set up an LLC and the most critical one beginners forget  “SALT” taxes and why those selling goods in different states could owe even more  And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  Network with Other Investors on The Path to FIRE Through the BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Mindy on BiggerPockets  Scott on BiggePockets  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Find an Investor-Friendly Agent in Your Area  Find Investor-Friendly Lenders  How to Obtain Real Estate Professional Tax Status  Hear Past Episodes with Brandon:  BiggerPockets Real Estate 196 - LLCs, House Hacking, and Saving on Taxes with Brandon Hall  BiggerPockets Real Estate 269 - How the New Tax Code Affects Your Real Estate Investments  BiggerPockets Real Estate 934 - How to Pay Less Taxes by Buying Real Estate (1 Write-Off You’re Overlooking)  On the Market 96 - The Biggest Real Estate Tax Loophole You’ve (Probably) Never Heard Of  On the Market 165 - Year-End Tax Updates, New IRS Interest Rates, and URGENT News for LLCs  On the Market 187 - 100% Bonus Depreciation Coming Back? (Do NOT File…Yet)    Check out more resources from this show on BiggerPockets.com and https://www.biggerpockets.com/blog/money-528    Interested in learning more about today’s sponsors or becoming a BiggerPockets partner yourself? Email advertise@biggerpockets.com]]></itunes:summary>
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	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[Starting your first or next business? This episode is for you. Today, we’re bringing you everything you need to know about small business taxes for beginners. Whether you’re a solo entrepreneur, partner, landlord, house flipper, Airbnb host, or something in between, you MUST know about these tax laws before you start making money with your own business because if you get them wrong, you could be paying a MASSIVE penalty come tax time. You could save yourself thousands, or TENS of thousands, just by tuning in!  Brandon Hall, CPA, runs a real-estate-focused tax and accounting firm for big and small real estate investors. But, even if you’re not investing in real estate, these tax tips also apply to YOU. In today’s episode, we threw dozens of hard-hitting tax questions at Brandon so you know what to do with your next side hustle or full-blown business.  We’ll discuss whether you need an LLC, the real benefits of getting one, and which business entity (LLC, S-corp, C-corp, etc.) makes the]]></googleplay:description>
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	<title>527: Retired at 49 on an Average Salary after Getting a “Late Start” to FIRE</title>
	<link>https://biggerpocketsmoney.com/podcast/527-retired-at-49-on-an-average-salary-after-getting-a-late-start-to-fire/</link>
	<pubDate>Fri, 10 May 2024 06:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
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	<description><![CDATA[Think it’s too late for early retirement? Do you feel like just because you’re in your late thirties, forties, or fifties, FIRE doesn’t make sense for you? Well, think again because today’s guest defied the odds by retiring over fifteen years early, all while raising her daughter on her own and without a six-figure salary to sail her swiftly to a million-dollar net worth. Plus, she did all of it with no investing experience. If Jackie Cummings Koski can do it, so can you!  Jackie grew up in a single-parent household. Her father worked hard to support her and her five siblings. This instilled a strong work ethic in Jackie and made her realize that running towards hard things, not away from them, was the true path to success. She figured out college on her own and, shortly after, landed a corporate job that took her far away from the small town she grew up in. She got married and had her daughter, but then everything changed.  Jackie was getting divorced, forcing her to rely on herself fully for her financial future. In true Jackie fashion, she took this as a challenge and began educating herself as best as she could. Through smart saving, spending, and life-changing investing decisions, Jackie built her wealth in record time, reaching financial independence just ten years after finding the FIRE movement—all without any advantages!    In This Episode We Cover  How to reach financial independence without a high salary, inheritance, or advantages  Stock investing 101 and how intentional investing can explode your net worth  Why you must max out THESE investment accounts to be richer in retirement  How Jackie spends just $40,000 per year owning her own home and raising her daughter  Why you DON’T have to follow all the traditional FIRE rules to retire early  And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  Network with Other Investors on The Path to FIRE Through the BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Mindy on BiggerPockets  Scott on BiggePockets  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Find an Investor-Friendly Agent in Your Area  Find Investor-Friendly Lenders  Money Podcast 154 - Bill Bengen (The Inventor of the 4% Rule) Talks Retirement, Past Crashes, and How You Can Withdraw Even More  Email Mindy for the Full 4% Rule Article!  Money Podcast 344 - Rethink Social Security: Myths, Benefits, and Clearing Up Misconceptions  Resources Mentioned in This Episode:  Better Investing  Root of Good  Mr. Money Mustache  Mad Fientist  1500 Days    00:00 Intro  01:14 FIRE at 49!  02:50 Making Money in Retirement   06:11 Early Years, College, and Getting Divorced   11:21 Working Her Way Through College  15:06 Getting Hired After College  15:50 Starting to Learn About Stocks  20:02 Finding the FIRE Movement  26:54 Spending and Saving  36:01 Jackie's Podcast and New Book!  38:20 Connect with Jackie!    Check out more resources from this show on BiggerPockets.com and https://www.biggerpockets.com/blog/money-527    Interested in learning more about today’s sponsors or becoming a BiggerPockets partner yourself? Email advertise@biggerpockets.com]]></description>
	<itunes:subtitle><![CDATA[Think it’s too late for early retirement? Do you feel like just because you’re in your late thirties, forties, or fifties, FIRE doesn’t make sense for you? Well, think again because today’s guest defied the odds by retiring over fifteen years early, all ]]></itunes:subtitle>
	<content:encoded><![CDATA[Think it’s too late for early retirement? Do you feel like just because you’re in your late thirties, forties, or fifties, FIRE doesn’t make sense for you? Well, think again because today’s guest defied the odds by retiring over fifteen years early, all while raising her daughter on her own and without a six-figure salary to sail her swiftly to a million-dollar net worth. Plus, she did all of it with no investing experience. If Jackie Cummings Koski can do it, so can you!  Jackie grew up in a single-parent household. Her father worked hard to support her and her five siblings. This instilled a strong work ethic in Jackie and made her realize that running towards hard things, not away from them, was the true path to success. She figured out college on her own and, shortly after, landed a corporate job that took her far away from the small town she grew up in. She got married and had her daughter, but then everything changed.  Jackie was getting divorced, forcing her to rely on herself fully for her financial future. In true Jackie fashion, she took this as a challenge and began educating herself as best as she could. Through smart saving, spending, and life-changing investing decisions, Jackie built her wealth in record time, reaching financial independence just ten years after finding the FIRE movement—all without any advantages!    In This Episode We Cover  How to reach financial independence without a high salary, inheritance, or advantages  Stock investing 101 and how intentional investing can explode your net worth  Why you must max out THESE investment accounts to be richer in retirement  How Jackie spends just $40,000 per year owning her own home and raising her daughter  Why you DON’T have to follow all the traditional FIRE rules to retire early  And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  Network with Other Investors on The Path to FIRE Through the BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Mindy on BiggerPockets  Scott on BiggePockets  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Find an Investor-Friendly Agent in Your Area  Find Investor-Friendly Lenders  Money Podcast 154 - Bill Bengen (The Inventor of the 4% Rule) Talks Retirement, Past Crashes, and How You Can Withdraw Even More  Email Mindy for the Full 4% Rule Article!  Money Podcast 344 - Rethink Social Security: Myths, Benefits, and Clearing Up Misconceptions  Resources Mentioned in This Episode:  Better Investing  Root of Good  Mr. Money Mustache  Mad Fientist  1500 Days    00:00 Intro  01:14 FIRE at 49!  02:50 Making Money in Retirement   06:11 Early Years, College, and Getting Divorced   11:21 Working Her Way Through College  15:06 Getting Hired After College  15:50 Starting to Learn About Stocks  20:02 Finding the FIRE Movement  26:54 Spending and Saving  36:01 Jackie's Podcast and New Book!  38:20 Connect with Jackie!    Check out more resources from this show on BiggerPockets.com and https://www.biggerpockets.com/blog/money-527    Interested in learning more about today’s sponsors or becoming a BiggerPockets partner yourself? Email advertise@biggerpockets.com]]></content:encoded>
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	<itunes:summary><![CDATA[Think it’s too late for early retirement? Do you feel like just because you’re in your late thirties, forties, or fifties, FIRE doesn’t make sense for you? Well, think again because today’s guest defied the odds by retiring over fifteen years early, all while raising her daughter on her own and without a six-figure salary to sail her swiftly to a million-dollar net worth. Plus, she did all of it with no investing experience. If Jackie Cummings Koski can do it, so can you!  Jackie grew up in a single-parent household. Her father worked hard to support her and her five siblings. This instilled a strong work ethic in Jackie and made her realize that running towards hard things, not away from them, was the true path to success. She figured out college on her own and, shortly after, landed a corporate job that took her far away from the small town she grew up in. She got married and had her daughter, but then everything changed.  Jackie was getting divorced, forcing her to rely on herself fully for her financial future. In true Jackie fashion, she took this as a challenge and began educating herself as best as she could. Through smart saving, spending, and life-changing investing decisions, Jackie built her wealth in record time, reaching financial independence just ten years after finding the FIRE movement—all without any advantages!    In This Episode We Cover  How to reach financial independence without a high salary, inheritance, or advantages  Stock investing 101 and how intentional investing can explode your net worth  Why you must max out THESE investment accounts to be richer in retirement  How Jackie spends just $40,000 per year owning her own home and raising her daughter  Why you DON’T have to follow all the traditional FIRE rules to retire early  And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  Network with Other Investors on The Path to FIRE Through the BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Mindy on BiggerPockets  Scott on BiggePockets  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Find an Investor-Friendly Agent in Your Area  Find Investor-Friendly Lenders  Money Podcast 154 - Bill Bengen (The Inventor of the 4% Rule) Talks Retirement, Past Crashes, and How You Can Withdraw Even More  Email Mindy for the Full 4% Rule Article!  Money Podcast 344 - Rethink Social Security: Myths, Benefits, and Clearing Up Misconceptions  Resources Mentioned in This Episode:  Better Investing  Root of Good  Mr. Money Mustache  Mad Fientist  1500 Days    00:00 Intro  01:14 FIRE at 49!  02:50 Making Money in Retirement   06:11 Early Years, College, and Getting Divorced   11:21 Working Her Way Through College  15:06 Getting Hired After College  15:50 Starting to Learn About Stocks  20:02 Finding the FIRE Movement  26:54 Spending and Saving  36:01 Jackie's Podcast and New Book!  38:20 Connect with Jackie!    Check out more resources from this show on BiggerPockets.com and https://www.biggerpockets.com/blog/money-527    Interested in learning more about today’s sponsors or becoming a BiggerPockets partner yourself? Email advertise@biggerpockets.com]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[Think it’s too late for early retirement? Do you feel like just because you’re in your late thirties, forties, or fifties, FIRE doesn’t make sense for you? Well, think again because today’s guest defied the odds by retiring over fifteen years early, all while raising her daughter on her own and without a six-figure salary to sail her swiftly to a million-dollar net worth. Plus, she did all of it with no investing experience. If Jackie Cummings Koski can do it, so can you!  Jackie grew up in a single-parent household. Her father worked hard to support her and her five siblings. This instilled a strong work ethic in Jackie and made her realize that running towards hard things, not away from them, was the true path to success. She figured out college on her own and, shortly after, landed a corporate job that took her far away from the small town she grew up in. She got married and had her daughter, but then everything changed.  Jackie was getting divorced, forcing her to rely on herself ]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
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<item>
	<title>526: Personal Finance for Beginners: Bank Accounts, Real Estate, and Retirement</title>
	<link>https://biggerpocketsmoney.com/podcast/526-personal-finance-for-beginners-bank-accounts-real-estate-and-retirement/</link>
	<pubDate>Tue, 07 May 2024 06:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">479111be-8901-11ee-8f23-9fb34a933d18</guid>
	<description><![CDATA[Personal finance doesn’t have to be complicated. Saving, investing, and retiring early shouldn’t be a stumbling path to wealth, but many Americans feel this way. So, to clear up some of the money misconceptions, we’re doing personal finance for beginners FAQ episode, where we take some of the most common money questions and answer them for you so you can start building wealth and get closer to financial independence!  Many of these questions come directly from the BiggerPockets Money Facebook page, where you can ask your money questions 24/7! First, we answer, “How many bank accounts should you have?” and walk through exactly how we split up our money. If you’re looking to start building wealth, we touch on the numerous ways to invest in real estate, from basic beginner investing strategies to purely passive income-generating expert tactics.  How much money do YOU need to retire? With the 4% rule, you can calculate it in seconds! We’ll explain this common money metric early retirees love to use and whether or not it still works in 2024. If you’re close to early retirement, should you start selling your investments to fund your financial freedom? We’ll share why most early retirees never need to sell their stocks, and speaking of stocks, we’ll also get into how to pick stocks and when to sell them!    In This Episode We Cover  The beginner money questions that you must have answers to if you want to build wealth  How many bank accounts do you REALLY need, and Scott’s 3-account-setup  Beginner and expert strategies to start investing in real estate (even with little money)  The 4% rule explained, and how much money you actually need to retire  How to pick stocks and whether or not index fund investing is a smarter move to make  Withdrawing money from your accounts when you finally reach financial freedom   And So Much More!  Links from the Show  BiggerPockets Money Facebook Group  Network with Other Investors on The Path to FIRE Through the BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Mindy on BiggerPockets  Scott on BiggePockets  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Find an Investor-Friendly Agent in Your Area  Find Investor-Friendly Lenders  Grab Your Copy “The House Hacking Strategy”  Past Episodes Mentioned in Today’s Show:  BiggerPockets Real Estate 136 - Shawn Holsapple  BiggerPockets Money 35 - Craig Curelop  BiggerPockets Money 120 - Michael Kitces  BiggerPockets Money 151 - Tony J Robinson  BiggerPockets Money 153 - Bill Bengen  Forbes: What Is The 4% Rule For Retirement Withdrawals?  Secret IRS Rule 72(t)! &#124; Eric Cooper Shares Early Withdrawal Hack!    00:00 Intro  01:14 How Many Bank Accounts?   07:04 Ways to Invest in Real Estate   16:25 The 4% Rule Explained  23:36 Selling Investments to Retire Early?  30:28 How to Pick Stocks     Check out more resources from this show on BiggerPockets.com and https://www.biggerpockets.com/blog/money-526    Interested in learning more about today’s sponsors or becoming a BiggerPockets partner yourself? Email advertise@biggerpockets.com.]]></description>
	<itunes:subtitle><![CDATA[Personal finance doesn’t have to be complicated. Saving, investing, and retiring early shouldn’t be a stumbling path to wealth, but many Americans feel this way. So, to clear up some of the money misconceptions, we’re doing personal finance for beginners]]></itunes:subtitle>
	<content:encoded><![CDATA[Personal finance doesn’t have to be complicated. Saving, investing, and retiring early shouldn’t be a stumbling path to wealth, but many Americans feel this way. So, to clear up some of the money misconceptions, we’re doing personal finance for beginners FAQ episode, where we take some of the most common money questions and answer them for you so you can start building wealth and get closer to financial independence!  Many of these questions come directly from the BiggerPockets Money Facebook page, where you can ask your money questions 24/7! First, we answer, “How many bank accounts should you have?” and walk through exactly how we split up our money. If you’re looking to start building wealth, we touch on the numerous ways to invest in real estate, from basic beginner investing strategies to purely passive income-generating expert tactics.  How much money do YOU need to retire? With the 4% rule, you can calculate it in seconds! We’ll explain this common money metric early retirees love to use and whether or not it still works in 2024. If you’re close to early retirement, should you start selling your investments to fund your financial freedom? We’ll share why most early retirees never need to sell their stocks, and speaking of stocks, we’ll also get into how to pick stocks and when to sell them!    In This Episode We Cover  The beginner money questions that you must have answers to if you want to build wealth  How many bank accounts do you REALLY need, and Scott’s 3-account-setup  Beginner and expert strategies to start investing in real estate (even with little money)  The 4% rule explained, and how much money you actually need to retire  How to pick stocks and whether or not index fund investing is a smarter move to make  Withdrawing money from your accounts when you finally reach financial freedom   And So Much More!  Links from the Show  BiggerPockets Money Facebook Group  Network with Other Investors on The Path to FIRE Through the BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Mindy on BiggerPockets  Scott on BiggePockets  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Find an Investor-Friendly Agent in Your Area  Find Investor-Friendly Lenders  Grab Your Copy “The House Hacking Strategy”  Past Episodes Mentioned in Today’s Show:  BiggerPockets Real Estate 136 - Shawn Holsapple  BiggerPockets Money 35 - Craig Curelop  BiggerPockets Money 120 - Michael Kitces  BiggerPockets Money 151 - Tony J Robinson  BiggerPockets Money 153 - Bill Bengen  Forbes: What Is The 4% Rule For Retirement Withdrawals?  Secret IRS Rule 72(t)! &#124; Eric Cooper Shares Early Withdrawal Hack!    00:00 Intro  01:14 How Many Bank Accounts?   07:04 Ways to Invest in Real Estate   16:25 The 4% Rule Explained  23:36 Selling Investments to Retire Early?  30:28 How to Pick Stocks     Check out more resources from this show on BiggerPockets.com and https://www.biggerpockets.com/blog/money-526    Interested in learning more about today’s sponsors or becoming a BiggerPockets partner yourself? Email advertise@biggerpockets.com.]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC7369152828.mp3" length="69793723" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[Personal finance doesn’t have to be complicated. Saving, investing, and retiring early shouldn’t be a stumbling path to wealth, but many Americans feel this way. So, to clear up some of the money misconceptions, we’re doing personal finance for beginners FAQ episode, where we take some of the most common money questions and answer them for you so you can start building wealth and get closer to financial independence!  Many of these questions come directly from the BiggerPockets Money Facebook page, where you can ask your money questions 24/7! First, we answer, “How many bank accounts should you have?” and walk through exactly how we split up our money. If you’re looking to start building wealth, we touch on the numerous ways to invest in real estate, from basic beginner investing strategies to purely passive income-generating expert tactics.  How much money do YOU need to retire? With the 4% rule, you can calculate it in seconds! We’ll explain this common money metric early retirees love to use and whether or not it still works in 2024. If you’re close to early retirement, should you start selling your investments to fund your financial freedom? We’ll share why most early retirees never need to sell their stocks, and speaking of stocks, we’ll also get into how to pick stocks and when to sell them!    In This Episode We Cover  The beginner money questions that you must have answers to if you want to build wealth  How many bank accounts do you REALLY need, and Scott’s 3-account-setup  Beginner and expert strategies to start investing in real estate (even with little money)  The 4% rule explained, and how much money you actually need to retire  How to pick stocks and whether or not index fund investing is a smarter move to make  Withdrawing money from your accounts when you finally reach financial freedom   And So Much More!  Links from the Show  BiggerPockets Money Facebook Group  Network with Other Investors on The Path to FIRE Through the BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Mindy on BiggerPockets  Scott on BiggePockets  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Find an Investor-Friendly Agent in Your Area  Find Investor-Friendly Lenders  Grab Your Copy “The House Hacking Strategy”  Past Episodes Mentioned in Today’s Show:  BiggerPockets Real Estate 136 - Shawn Holsapple  BiggerPockets Money 35 - Craig Curelop  BiggerPockets Money 120 - Michael Kitces  BiggerPockets Money 151 - Tony J Robinson  BiggerPockets Money 153 - Bill Bengen  Forbes: What Is The 4% Rule For Retirement Withdrawals?  Secret IRS Rule 72(t)! &#124; Eric Cooper Shares Early Withdrawal Hack!    00:00 Intro  01:14 How Many Bank Accounts?   07:04 Ways to Invest in Real Estate   16:25 The 4% Rule Explained  23:36 Selling Investments to Retire Early?  30:28 How to Pick Stocks     Check out more resources from this show on BiggerPockets.com and https://www.biggerpockets.com/blog/money-526    Interested in learning more about today’s sponsors or becoming a BiggerPockets partner yourself? Email advertise@biggerpockets.com.]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[Personal finance doesn’t have to be complicated. Saving, investing, and retiring early shouldn’t be a stumbling path to wealth, but many Americans feel this way. So, to clear up some of the money misconceptions, we’re doing personal finance for beginners FAQ episode, where we take some of the most common money questions and answer them for you so you can start building wealth and get closer to financial independence!  Many of these questions come directly from the BiggerPockets Money Facebook page, where you can ask your money questions 24/7! First, we answer, “How many bank accounts should you have?” and walk through exactly how we split up our money. If you’re looking to start building wealth, we touch on the numerous ways to invest in real estate, from basic beginner investing strategies to purely passive income-generating expert tactics.  How much money do YOU need to retire? With the 4% rule, you can calculate it in seconds! We’ll explain this common money metric early retirees l]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
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<item>
	<title>525: The Rational Investor’s Case Against Bitcoin</title>
	<link>https://biggerpocketsmoney.com/podcast/525-the-rational-investors-case-against-bitcoin/</link>
	<pubDate>Fri, 03 May 2024 06:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">48fcc8e0-8901-11ee-8f23-c35b9c657b58</guid>
	<description><![CDATA[Cryptocurrency enthusiasts can’t fathom why Bitcoin will fail. If you tell them that you’re not investing in Bitcoin or other cryptos, they look at you like an uneducated investor, a sheep following the crowd without thinking for yourself. The promise of Bitcoin is so great that you’d have to be an outright fool to deny it, and anyone who refutes the future golden age of a decentralized society is simply mistaken and is only coping with the oncoming collapse of fiat currency and Western civilization.  The problem with that theory? None of it is grounded in reality. Today, BiggerPockets CEO Scott Trench is going to prove it. After years of research on Bitcoin, the blockchain, and cryptocurrency as a whole, Scott has come to a simple conclusion: Bitcoin isn’t worth it. In fact, Bitcoin may be worth, unsurprisingly, nothing! But before all you Bitcoin maximalists come out of the woodwork, claiming we’re forever bullish on index funds and real estate, hear out Scott’s argument.  Scott will explain the case for Bitcoin and why its end goal is actually quite altruistic. However, five fatal flaws will stop Bitcoin from ever becoming a world reserve currency or replacing fiat money. Besides its fatal flaws, Bitcoin isn’t a foolproof cryptocurrency by any means, and we’ll prove it! Finally, Scott gives his Bitcoin price prediction and his recommendation if you do want to hold some Satoshis.    In This Episode We Cover  The rational investor’s case against Bitcoin and why it’s NOT an investment  The reasons why Bitcoin could change society for the better (but probably won’t)  Five fatal flaws of Bitcoin that will stop it from ever taking over fiat currency  How adopting Bitcoin could lead to a crashing economy with no growth  The blockchain’s big problems and proof that the world isn’t ready to adopt cryptocurrency  Scott’s long-term Bitcoin price prediction that will shock Bitcoin maximalists  And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  Network with Other Investors on The Path to FIRE Through the BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Mindy on BiggerPockets  Scott on BiggePockets  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Find an Investor-Friendly Agent in Your Area  Find Investor-Friendly Lenders  BiggerPockets Money 371 - Bitcoin: Investing Fad or Final Bullet to Fiat Currency? w/Saifedean Ammous  Everyone’s Talking About Cryptocurrencies. Should You Invest?  4 Reasons Cryptocurrencies & Blockchain Technology Are Poised to Transform Real Estate    Check out more resources from this show on BiggerPockets.com and https://www.biggerpockets.com/blog/money-525]]></description>
	<itunes:subtitle><![CDATA[Cryptocurrency enthusiasts can’t fathom why Bitcoin will fail. If you tell them that you’re not investing in Bitcoin or other cryptos, they look at you like an uneducated investor, a sheep following the crowd without thinking for yourself. The promise of]]></itunes:subtitle>
	<content:encoded><![CDATA[Cryptocurrency enthusiasts can’t fathom why Bitcoin will fail. If you tell them that you’re not investing in Bitcoin or other cryptos, they look at you like an uneducated investor, a sheep following the crowd without thinking for yourself. The promise of Bitcoin is so great that you’d have to be an outright fool to deny it, and anyone who refutes the future golden age of a decentralized society is simply mistaken and is only coping with the oncoming collapse of fiat currency and Western civilization.  The problem with that theory? None of it is grounded in reality. Today, BiggerPockets CEO Scott Trench is going to prove it. After years of research on Bitcoin, the blockchain, and cryptocurrency as a whole, Scott has come to a simple conclusion: Bitcoin isn’t worth it. In fact, Bitcoin may be worth, unsurprisingly, nothing! But before all you Bitcoin maximalists come out of the woodwork, claiming we’re forever bullish on index funds and real estate, hear out Scott’s argument.  Scott will explain the case for Bitcoin and why its end goal is actually quite altruistic. However, five fatal flaws will stop Bitcoin from ever becoming a world reserve currency or replacing fiat money. Besides its fatal flaws, Bitcoin isn’t a foolproof cryptocurrency by any means, and we’ll prove it! Finally, Scott gives his Bitcoin price prediction and his recommendation if you do want to hold some Satoshis.    In This Episode We Cover  The rational investor’s case against Bitcoin and why it’s NOT an investment  The reasons why Bitcoin could change society for the better (but probably won’t)  Five fatal flaws of Bitcoin that will stop it from ever taking over fiat currency  How adopting Bitcoin could lead to a crashing economy with no growth  The blockchain’s big problems and proof that the world isn’t ready to adopt cryptocurrency  Scott’s long-term Bitcoin price prediction that will shock Bitcoin maximalists  And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  Network with Other Investors on The Path to FIRE Through the BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Mindy on BiggerPockets  Scott on BiggePockets  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Find an Investor-Friendly Agent in Your Area  Find Investor-Friendly Lenders  BiggerPockets Money 371 - Bitcoin: Investing Fad or Final Bullet to Fiat Currency? w/Saifedean Ammous  Everyone’s Talking About Cryptocurrencies. Should You Invest?  4 Reasons Cryptocurrencies & Blockchain Technology Are Poised to Transform Real Estate    Check out more resources from this show on BiggerPockets.com and https://www.biggerpockets.com/blog/money-525]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC6761112993.mp3" length="55468291" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[Cryptocurrency enthusiasts can’t fathom why Bitcoin will fail. If you tell them that you’re not investing in Bitcoin or other cryptos, they look at you like an uneducated investor, a sheep following the crowd without thinking for yourself. The promise of Bitcoin is so great that you’d have to be an outright fool to deny it, and anyone who refutes the future golden age of a decentralized society is simply mistaken and is only coping with the oncoming collapse of fiat currency and Western civilization.  The problem with that theory? None of it is grounded in reality. Today, BiggerPockets CEO Scott Trench is going to prove it. After years of research on Bitcoin, the blockchain, and cryptocurrency as a whole, Scott has come to a simple conclusion: Bitcoin isn’t worth it. In fact, Bitcoin may be worth, unsurprisingly, nothing! But before all you Bitcoin maximalists come out of the woodwork, claiming we’re forever bullish on index funds and real estate, hear out Scott’s argument.  Scott will explain the case for Bitcoin and why its end goal is actually quite altruistic. However, five fatal flaws will stop Bitcoin from ever becoming a world reserve currency or replacing fiat money. Besides its fatal flaws, Bitcoin isn’t a foolproof cryptocurrency by any means, and we’ll prove it! Finally, Scott gives his Bitcoin price prediction and his recommendation if you do want to hold some Satoshis.    In This Episode We Cover  The rational investor’s case against Bitcoin and why it’s NOT an investment  The reasons why Bitcoin could change society for the better (but probably won’t)  Five fatal flaws of Bitcoin that will stop it from ever taking over fiat currency  How adopting Bitcoin could lead to a crashing economy with no growth  The blockchain’s big problems and proof that the world isn’t ready to adopt cryptocurrency  Scott’s long-term Bitcoin price prediction that will shock Bitcoin maximalists  And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  Network with Other Investors on The Path to FIRE Through the BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Mindy on BiggerPockets  Scott on BiggePockets  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Find an Investor-Friendly Agent in Your Area  Find Investor-Friendly Lenders  BiggerPockets Money 371 - Bitcoin: Investing Fad or Final Bullet to Fiat Currency? w/Saifedean Ammous  Everyone’s Talking About Cryptocurrencies. Should You Invest?  4 Reasons Cryptocurrencies & Blockchain Technology Are Poised to Transform Real Estate    Check out more resources from this show on BiggerPockets.com and https://www.biggerpockets.com/blog/money-525]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[Cryptocurrency enthusiasts can’t fathom why Bitcoin will fail. If you tell them that you’re not investing in Bitcoin or other cryptos, they look at you like an uneducated investor, a sheep following the crowd without thinking for yourself. The promise of Bitcoin is so great that you’d have to be an outright fool to deny it, and anyone who refutes the future golden age of a decentralized society is simply mistaken and is only coping with the oncoming collapse of fiat currency and Western civilization.  The problem with that theory? None of it is grounded in reality. Today, BiggerPockets CEO Scott Trench is going to prove it. After years of research on Bitcoin, the blockchain, and cryptocurrency as a whole, Scott has come to a simple conclusion: Bitcoin isn’t worth it. In fact, Bitcoin may be worth, unsurprisingly, nothing! But before all you Bitcoin maximalists come out of the woodwork, claiming we’re forever bullish on index funds and real estate, hear out Scott’s argument.  Scott wil]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
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<item>
	<title>524: Lessons From the Rich That Took Me from $0 to a $1,000,000+ Business</title>
	<link>https://biggerpocketsmoney.com/podcast/524-lessons-from-the-rich-that-took-me-from-0-to-a-1000000-business/</link>
	<pubDate>Tue, 30 Apr 2024 06:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
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	<description><![CDATA[Want to be a millionaire or build a business that brings in seven figures? Want generational wealth and to be debt-free? Want to know that you have enough money to take big risks while still keeping your bank account safe? If so, you need to start thinking like the rich to begin building wealth the same way they do. “That may be easy for you to say, you host the BiggerPockets Money Podcast!” Well, don’t take it from us; take it from Marc Russell.  Marc grew up without advantages. He was in foster care for as long as he could remember, bouncing from house to house until finally, at age thirteen, he was adopted by parents with a strong, valuable work ethic. When Marc went to college, he had no money to pay for it, so he fought tooth and nail with the financial aid office to find scholarships, loans, or anything that could help him graduate. He was even kicked out of school once over not being able to pay a $900 fee! But this taught Marc how the system worked and eventually led to him landing a job at every FIRE chaser’s favorite place, Vanguard!  Once Marc started helping the rich manage their money, he looked in the mirror and asked, “Why aren’t I doing these things?” Thus, he began imitating the investing tactics of the rich, budgeting for financial freedom, and investing everything he could, even if it meant a slower path to being debt-free. Now, Marc runs BetterWallet, helping everyday people start building generational wealth, no matter their circumstances.    In This Episode We Cover  How to copy the rich so you can build wealth no matter your upbringing  Student debt, side hustles, and how to make it through college with little money  Why you MUST save a large emergency reserve before you start working for yourself  Investing vs. paying off debt and why the unconventional choice may be the best one  Budgeting for your business and ensuring you have enough money before leaving your W2  And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  Network with Other Investors on The Path to FIRE Through the BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Mindy on BiggerPockets  Scott on BiggePockets  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Find an Investor-Friendly Agent in Your Area  Find Investor-Friendly Lenders  BiggerPockets Money 329 - From Extreme Poverty to DIY Wealth and 2 Full-Time Incomes w/The She Wolfe of Wall Street  BiggerPockets Money 485 - How to Start Thinking, Acting, and Investing Like the Rich w/Vivian Tu    Check out more resources from this show on BiggerPockets.com and https://www.biggerpockets.com/blog/money-524]]></description>
	<itunes:subtitle><![CDATA[Want to be a millionaire or build a business that brings in seven figures? Want generational wealth and to be debt-free? Want to know that you have enough money to take big risks while still keeping your bank account safe? If so, you need to start thinki]]></itunes:subtitle>
	<content:encoded><![CDATA[Want to be a millionaire or build a business that brings in seven figures? Want generational wealth and to be debt-free? Want to know that you have enough money to take big risks while still keeping your bank account safe? If so, you need to start thinking like the rich to begin building wealth the same way they do. “That may be easy for you to say, you host the BiggerPockets Money Podcast!” Well, don’t take it from us; take it from Marc Russell.  Marc grew up without advantages. He was in foster care for as long as he could remember, bouncing from house to house until finally, at age thirteen, he was adopted by parents with a strong, valuable work ethic. When Marc went to college, he had no money to pay for it, so he fought tooth and nail with the financial aid office to find scholarships, loans, or anything that could help him graduate. He was even kicked out of school once over not being able to pay a $900 fee! But this taught Marc how the system worked and eventually led to him landing a job at every FIRE chaser’s favorite place, Vanguard!  Once Marc started helping the rich manage their money, he looked in the mirror and asked, “Why aren’t I doing these things?” Thus, he began imitating the investing tactics of the rich, budgeting for financial freedom, and investing everything he could, even if it meant a slower path to being debt-free. Now, Marc runs BetterWallet, helping everyday people start building generational wealth, no matter their circumstances.    In This Episode We Cover  How to copy the rich so you can build wealth no matter your upbringing  Student debt, side hustles, and how to make it through college with little money  Why you MUST save a large emergency reserve before you start working for yourself  Investing vs. paying off debt and why the unconventional choice may be the best one  Budgeting for your business and ensuring you have enough money before leaving your W2  And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  Network with Other Investors on The Path to FIRE Through the BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Mindy on BiggerPockets  Scott on BiggePockets  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Find an Investor-Friendly Agent in Your Area  Find Investor-Friendly Lenders  BiggerPockets Money 329 - From Extreme Poverty to DIY Wealth and 2 Full-Time Incomes w/The She Wolfe of Wall Street  BiggerPockets Money 485 - How to Start Thinking, Acting, and Investing Like the Rich w/Vivian Tu    Check out more resources from this show on BiggerPockets.com and https://www.biggerpockets.com/blog/money-524]]></content:encoded>
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	<itunes:summary><![CDATA[Want to be a millionaire or build a business that brings in seven figures? Want generational wealth and to be debt-free? Want to know that you have enough money to take big risks while still keeping your bank account safe? If so, you need to start thinking like the rich to begin building wealth the same way they do. “That may be easy for you to say, you host the BiggerPockets Money Podcast!” Well, don’t take it from us; take it from Marc Russell.  Marc grew up without advantages. He was in foster care for as long as he could remember, bouncing from house to house until finally, at age thirteen, he was adopted by parents with a strong, valuable work ethic. When Marc went to college, he had no money to pay for it, so he fought tooth and nail with the financial aid office to find scholarships, loans, or anything that could help him graduate. He was even kicked out of school once over not being able to pay a $900 fee! But this taught Marc how the system worked and eventually led to him landing a job at every FIRE chaser’s favorite place, Vanguard!  Once Marc started helping the rich manage their money, he looked in the mirror and asked, “Why aren’t I doing these things?” Thus, he began imitating the investing tactics of the rich, budgeting for financial freedom, and investing everything he could, even if it meant a slower path to being debt-free. Now, Marc runs BetterWallet, helping everyday people start building generational wealth, no matter their circumstances.    In This Episode We Cover  How to copy the rich so you can build wealth no matter your upbringing  Student debt, side hustles, and how to make it through college with little money  Why you MUST save a large emergency reserve before you start working for yourself  Investing vs. paying off debt and why the unconventional choice may be the best one  Budgeting for your business and ensuring you have enough money before leaving your W2  And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  Network with Other Investors on The Path to FIRE Through the BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Mindy on BiggerPockets  Scott on BiggePockets  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Find an Investor-Friendly Agent in Your Area  Find Investor-Friendly Lenders  BiggerPockets Money 329 - From Extreme Poverty to DIY Wealth and 2 Full-Time Incomes w/The She Wolfe of Wall Street  BiggerPockets Money 485 - How to Start Thinking, Acting, and Investing Like the Rich w/Vivian Tu    Check out more resources from this show on BiggerPockets.com and https://www.biggerpockets.com/blog/money-524]]></itunes:summary>
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	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[Want to be a millionaire or build a business that brings in seven figures? Want generational wealth and to be debt-free? Want to know that you have enough money to take big risks while still keeping your bank account safe? If so, you need to start thinking like the rich to begin building wealth the same way they do. “That may be easy for you to say, you host the BiggerPockets Money Podcast!” Well, don’t take it from us; take it from Marc Russell.  Marc grew up without advantages. He was in foster care for as long as he could remember, bouncing from house to house until finally, at age thirteen, he was adopted by parents with a strong, valuable work ethic. When Marc went to college, he had no money to pay for it, so he fought tooth and nail with the financial aid office to find scholarships, loans, or anything that could help him graduate. He was even kicked out of school once over not being able to pay a $900 fee! But this taught Marc how the system worked and eventually led to him la]]></googleplay:description>
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<item>
	<title>523: Americans Say THIS Is How Much You Need to Retire (More Than You&#8217;d Think)</title>
	<link>https://biggerpocketsmoney.com/podcast/523-americans-say-this-is-how-much-you-need-to-retire-more-than-youd-think/</link>
	<pubDate>Fri, 26 Apr 2024 06:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
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	<description><![CDATA[Is a six-figure salary enough to achieve FIRE? If you’re working towards financial independence, you know that any extra money at the end of the month can help propel you to your goals faster, but with inflation eating away most, if not all, of your paycheck, what do you do? If you want to reach early retirement, do you need a massive salary to save you from the high cost of rent, food, gas, and other everyday essentials? Or, can you easily retire with a $100K/year incomeif you make the right moves? Let’s find out!  Today, Scott and Kyle are reviewing some of the hottest headlines in the world of personal finance and giving you their honest opinions. First, we talk about whether or not a six-figure salary is enough to achieve the “American Dream,” and if it isn’t, what YOU can do to make the most of that money. Then, we venture to a debate that everyone has an opinion on: should you withdraw from your retirement reserves to buy your first primary residence? Is this a smart money loophole or a move that could cost you in the long run?  How much do you need to retire? According to Americans, the figure is close to $1.5M, but is this actually how much a smart saver or spender would need? Plus, we talk about the one generation on a surprisingly great track to wealth in retirement (it’s NOT the boomers!). Finally, are you fed up with guilt tipping? Don’t want to pay an extra quarter of your bill every time you go out to eat? Join the club because we’re discussing how tipping is getting out of control.    In This Episode We Cover  Whether or not a $100K/year income is enough to achieve the “American Dream”  Using retirement funds to pay for your primary residence (when NOT to do this)  How much Americans need to retire, and ways to retire with even less  The one real estate investment ANY young American should be making today  Why younger generations are on track to retire rich and achieve FIRE  Tipping culture and what percentage we press when the payment screen turns around  And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  Network with Other Investors on The Path to FIRE Through the BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Mindy on BiggerPockets  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Money Moment  Find an Investor-Friendly Agent in Your Area  Find Investor-Friendly Lenders  Grab the Personal Finance Classic, “Rich Dad Poor Dad”  BiggerPockets Money Podcast 344 - Rethink Social Security: Myths, Benefits, and Clearing Up Misconceptions  Articles from This Episode:  $100K/Year  Withdrawing from Retirement  How Much to Retire  Gen Z’s House Hacking  Guilt Tipping    Check out more resources from this show on BiggerPockets.com and https://www.biggerpockets.com/blog/money-523]]></description>
	<itunes:subtitle><![CDATA[Is a six-figure salary enough to achieve FIRE? If you’re working towards financial independence, you know that any extra money at the end of the month can help propel you to your goals faster, but with inflation eating away most, if not all, of your payc]]></itunes:subtitle>
	<content:encoded><![CDATA[Is a six-figure salary enough to achieve FIRE? If you’re working towards financial independence, you know that any extra money at the end of the month can help propel you to your goals faster, but with inflation eating away most, if not all, of your paycheck, what do you do? If you want to reach early retirement, do you need a massive salary to save you from the high cost of rent, food, gas, and other everyday essentials? Or, can you easily retire with a $100K/year incomeif you make the right moves? Let’s find out!  Today, Scott and Kyle are reviewing some of the hottest headlines in the world of personal finance and giving you their honest opinions. First, we talk about whether or not a six-figure salary is enough to achieve the “American Dream,” and if it isn’t, what YOU can do to make the most of that money. Then, we venture to a debate that everyone has an opinion on: should you withdraw from your retirement reserves to buy your first primary residence? Is this a smart money loophole or a move that could cost you in the long run?  How much do you need to retire? According to Americans, the figure is close to $1.5M, but is this actually how much a smart saver or spender would need? Plus, we talk about the one generation on a surprisingly great track to wealth in retirement (it’s NOT the boomers!). Finally, are you fed up with guilt tipping? Don’t want to pay an extra quarter of your bill every time you go out to eat? Join the club because we’re discussing how tipping is getting out of control.    In This Episode We Cover  Whether or not a $100K/year income is enough to achieve the “American Dream”  Using retirement funds to pay for your primary residence (when NOT to do this)  How much Americans need to retire, and ways to retire with even less  The one real estate investment ANY young American should be making today  Why younger generations are on track to retire rich and achieve FIRE  Tipping culture and what percentage we press when the payment screen turns around  And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  Network with Other Investors on The Path to FIRE Through the BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Mindy on BiggerPockets  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Money Moment  Find an Investor-Friendly Agent in Your Area  Find Investor-Friendly Lenders  Grab the Personal Finance Classic, “Rich Dad Poor Dad”  BiggerPockets Money Podcast 344 - Rethink Social Security: Myths, Benefits, and Clearing Up Misconceptions  Articles from This Episode:  $100K/Year  Withdrawing from Retirement  How Much to Retire  Gen Z’s House Hacking  Guilt Tipping    Check out more resources from this show on BiggerPockets.com and https://www.biggerpockets.com/blog/money-523]]></content:encoded>
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	<itunes:summary><![CDATA[Is a six-figure salary enough to achieve FIRE? If you’re working towards financial independence, you know that any extra money at the end of the month can help propel you to your goals faster, but with inflation eating away most, if not all, of your paycheck, what do you do? If you want to reach early retirement, do you need a massive salary to save you from the high cost of rent, food, gas, and other everyday essentials? Or, can you easily retire with a $100K/year incomeif you make the right moves? Let’s find out!  Today, Scott and Kyle are reviewing some of the hottest headlines in the world of personal finance and giving you their honest opinions. First, we talk about whether or not a six-figure salary is enough to achieve the “American Dream,” and if it isn’t, what YOU can do to make the most of that money. Then, we venture to a debate that everyone has an opinion on: should you withdraw from your retirement reserves to buy your first primary residence? Is this a smart money loophole or a move that could cost you in the long run?  How much do you need to retire? According to Americans, the figure is close to $1.5M, but is this actually how much a smart saver or spender would need? Plus, we talk about the one generation on a surprisingly great track to wealth in retirement (it’s NOT the boomers!). Finally, are you fed up with guilt tipping? Don’t want to pay an extra quarter of your bill every time you go out to eat? Join the club because we’re discussing how tipping is getting out of control.    In This Episode We Cover  Whether or not a $100K/year income is enough to achieve the “American Dream”  Using retirement funds to pay for your primary residence (when NOT to do this)  How much Americans need to retire, and ways to retire with even less  The one real estate investment ANY young American should be making today  Why younger generations are on track to retire rich and achieve FIRE  Tipping culture and what percentage we press when the payment screen turns around  And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  Network with Other Investors on The Path to FIRE Through the BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Mindy on BiggerPockets  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Money Moment  Find an Investor-Friendly Agent in Your Area  Find Investor-Friendly Lenders  Grab the Personal Finance Classic, “Rich Dad Poor Dad”  BiggerPockets Money Podcast 344 - Rethink Social Security: Myths, Benefits, and Clearing Up Misconceptions  Articles from This Episode:  $100K/Year  Withdrawing from Retirement  How Much to Retire  Gen Z’s House Hacking  Guilt Tipping    Check out more resources from this show on BiggerPockets.com and https://www.biggerpockets.com/blog/money-523]]></itunes:summary>
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	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[Is a six-figure salary enough to achieve FIRE? If you’re working towards financial independence, you know that any extra money at the end of the month can help propel you to your goals faster, but with inflation eating away most, if not all, of your paycheck, what do you do? If you want to reach early retirement, do you need a massive salary to save you from the high cost of rent, food, gas, and other everyday essentials? Or, can you easily retire with a $100K/year incomeif you make the right moves? Let’s find out!  Today, Scott and Kyle are reviewing some of the hottest headlines in the world of personal finance and giving you their honest opinions. First, we talk about whether or not a six-figure salary is enough to achieve the “American Dream,” and if it isn’t, what YOU can do to make the most of that money. Then, we venture to a debate that everyone has an opinion on: should you withdraw from your retirement reserves to buy your first primary residence? Is this a smart money looph]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
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<item>
	<title>522: How to Get PAID to Live in an Affordable City &#038; Fast-Track Financial Freedom</title>
	<link>https://biggerpocketsmoney.com/podcast/522-how-to-get-paid-to-live-in-an-affordable-city-fast-track-financial-freedom/</link>
	<pubDate>Tue, 23 Apr 2024 06:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
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	<description><![CDATA[Moving is hard. But could relocating to a low-cost-of-living area help you lead a more fulfilling life and achieve financial freedom? As today’s guest came to find out, the benefits of living in an affordable area often outweigh the glitz and glamor of a big city! Welcome back to the BiggerPockets Money podcast! Today, we’re [&#8230;]]]></description>
	<itunes:subtitle><![CDATA[Moving is hard. But could relocating to a low-cost-of-living area help you lead a more fulfilling life and achieve financial freedom? As today’s guest came to find out, the benefits of living in an affordable area often outweigh the glitz and glamor of a]]></itunes:subtitle>
	<content:encoded><![CDATA[Moving is hard. But could relocating to a low-cost-of-living area help you lead a more fulfilling life and achieve financial freedom? As today’s guest came to find out, the benefits of living in an affordable area often outweigh the glitz and glamor of a big city! Welcome back to the BiggerPockets Money podcast! Today, we’re [&#8230;]]]></content:encoded>
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	<itunes:summary><![CDATA[Moving is hard. But could relocating to a low-cost-of-living area help you lead a more fulfilling life and achieve financial freedom? As today’s guest came to find out, the benefits of living in an affordable area often outweigh the glitz and glamor of a big city! Welcome back to the BiggerPockets Money podcast! Today, we’re [&#8230;]]]></itunes:summary>
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	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[Moving is hard. But could relocating to a low-cost-of-living area help you lead a more fulfilling life and achieve financial freedom? As today’s guest came to find out, the benefits of living in an affordable area often outweigh the glitz and glamor of a big city! Welcome back to the BiggerPockets Money podcast! Today, we’re [&#8230;]]]></googleplay:description>
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<item>
	<title>521: Full-Time FIRE and Traveling the World…All Thanks to Rentals!</title>
	<link>https://biggerpocketsmoney.com/podcast/521-full-time-fire-and-traveling-the-worldall-thanks-to-rentals/</link>
	<pubDate>Fri, 19 Apr 2024 06:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">c63bf9d2-88fe-11ee-863c-4f432e9f29a4</guid>
	<description><![CDATA[Could real estate investing help you reach financial freedom much sooner than you thought possible? Today’s guest had his world turned upside down by one tragic incident, but he was able to quit his W2 job, pivot to real estate, and fast-track his journey to FIRE!  Today, we’re chatting with technology instructor turned full-time real estate investor Keith Nugent. After a skydiving accident rendered him unable to perform his previous job duties, Keith knew he needed a new path to financial independence. Fortunately, he discovered real estate at the perfect time. Taking advantage of the fallout from the 2008 housing market crash, Keith started loading up on rental properties—often buying them for pennies on the dollar. In just twelve years, he had not only achieved his goal of thirty cash-flowing units by 2020 but also added an additionalten units to his portfolio!  Thanks to real estate, Keith now has a career that fully accommodates his disability and will allow him to retire early. In the meantime, he enjoys his newfound financial freedom by traveling the world and spending time with his FIRE-bound friends. In this episode, Keith offers practical tips on how to start investing in real estate—from choosing your market to buying your first rental property and more!    In This Episode We Cover  How Keith became a full-time real estate investor after a tragic skydiving accident  How to replace your W2 income and achieve financial freedom with real estate  Why time in the market is MORE important than timing the market  How to determine how much cash flow you need to support your retirement  Why you NEED an estate plan and how to decide who inherits your assets  And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  Network with Other Investors on The Path to FIRE Through the BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Mindy on BiggerPockets  Scott on BiggePockets  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Find an Investor-Friendly Agent in Your Area  Find Investor-Friendly Lenders  Money Podcast 330 - The Ultimate Teen Money Hack for Parents  Money Podcast 397 - Estate Planning, Wills, & What to Do NOW to Protect Your Heirs  Grab Your “Family Emergency Binder”    Check out more resources from this show on BiggerPockets.com and https://www.biggerpockets.com/blog/money-521]]></description>
	<itunes:subtitle><![CDATA[Could real estate investing help you reach financial freedom much sooner than you thought possible? Today’s guest had his world turned upside down by one tragic incident, but he was able to quit his W2 job, pivot to real estate, and fast-track his journe]]></itunes:subtitle>
	<content:encoded><![CDATA[Could real estate investing help you reach financial freedom much sooner than you thought possible? Today’s guest had his world turned upside down by one tragic incident, but he was able to quit his W2 job, pivot to real estate, and fast-track his journey to FIRE!  Today, we’re chatting with technology instructor turned full-time real estate investor Keith Nugent. After a skydiving accident rendered him unable to perform his previous job duties, Keith knew he needed a new path to financial independence. Fortunately, he discovered real estate at the perfect time. Taking advantage of the fallout from the 2008 housing market crash, Keith started loading up on rental properties—often buying them for pennies on the dollar. In just twelve years, he had not only achieved his goal of thirty cash-flowing units by 2020 but also added an additionalten units to his portfolio!  Thanks to real estate, Keith now has a career that fully accommodates his disability and will allow him to retire early. In the meantime, he enjoys his newfound financial freedom by traveling the world and spending time with his FIRE-bound friends. In this episode, Keith offers practical tips on how to start investing in real estate—from choosing your market to buying your first rental property and more!    In This Episode We Cover  How Keith became a full-time real estate investor after a tragic skydiving accident  How to replace your W2 income and achieve financial freedom with real estate  Why time in the market is MORE important than timing the market  How to determine how much cash flow you need to support your retirement  Why you NEED an estate plan and how to decide who inherits your assets  And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  Network with Other Investors on The Path to FIRE Through the BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Mindy on BiggerPockets  Scott on BiggePockets  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Find an Investor-Friendly Agent in Your Area  Find Investor-Friendly Lenders  Money Podcast 330 - The Ultimate Teen Money Hack for Parents  Money Podcast 397 - Estate Planning, Wills, & What to Do NOW to Protect Your Heirs  Grab Your “Family Emergency Binder”    Check out more resources from this show on BiggerPockets.com and https://www.biggerpockets.com/blog/money-521]]></content:encoded>
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	<itunes:summary><![CDATA[Could real estate investing help you reach financial freedom much sooner than you thought possible? Today’s guest had his world turned upside down by one tragic incident, but he was able to quit his W2 job, pivot to real estate, and fast-track his journey to FIRE!  Today, we’re chatting with technology instructor turned full-time real estate investor Keith Nugent. After a skydiving accident rendered him unable to perform his previous job duties, Keith knew he needed a new path to financial independence. Fortunately, he discovered real estate at the perfect time. Taking advantage of the fallout from the 2008 housing market crash, Keith started loading up on rental properties—often buying them for pennies on the dollar. In just twelve years, he had not only achieved his goal of thirty cash-flowing units by 2020 but also added an additionalten units to his portfolio!  Thanks to real estate, Keith now has a career that fully accommodates his disability and will allow him to retire early. In the meantime, he enjoys his newfound financial freedom by traveling the world and spending time with his FIRE-bound friends. In this episode, Keith offers practical tips on how to start investing in real estate—from choosing your market to buying your first rental property and more!    In This Episode We Cover  How Keith became a full-time real estate investor after a tragic skydiving accident  How to replace your W2 income and achieve financial freedom with real estate  Why time in the market is MORE important than timing the market  How to determine how much cash flow you need to support your retirement  Why you NEED an estate plan and how to decide who inherits your assets  And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  Network with Other Investors on The Path to FIRE Through the BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Mindy on BiggerPockets  Scott on BiggePockets  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Find an Investor-Friendly Agent in Your Area  Find Investor-Friendly Lenders  Money Podcast 330 - The Ultimate Teen Money Hack for Parents  Money Podcast 397 - Estate Planning, Wills, & What to Do NOW to Protect Your Heirs  Grab Your “Family Emergency Binder”    Check out more resources from this show on BiggerPockets.com and https://www.biggerpockets.com/blog/money-521]]></itunes:summary>
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	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[Could real estate investing help you reach financial freedom much sooner than you thought possible? Today’s guest had his world turned upside down by one tragic incident, but he was able to quit his W2 job, pivot to real estate, and fast-track his journey to FIRE!  Today, we’re chatting with technology instructor turned full-time real estate investor Keith Nugent. After a skydiving accident rendered him unable to perform his previous job duties, Keith knew he needed a new path to financial independence. Fortunately, he discovered real estate at the perfect time. Taking advantage of the fallout from the 2008 housing market crash, Keith started loading up on rental properties—often buying them for pennies on the dollar. In just twelve years, he had not only achieved his goal of thirty cash-flowing units by 2020 but also added an additionalten units to his portfolio!  Thanks to real estate, Keith now has a career that fully accommodates his disability and will allow him to retire early. ]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
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<item>
	<title>520: The BEST Side Hustles You Can Start in 2024 (Outside of Real Estate!)</title>
	<link>https://biggerpocketsmoney.com/podcast/520-the-best-side-hustles-you-can-start-in-2024-outside-of-real-estate/</link>
	<pubDate>Tue, 16 Apr 2024 06:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
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	<description><![CDATA[The best side hustles can put some extra cash in your pocket, help you leave your W2 job, or even launch you toward FIRE. If you’re looking to make money in ways other than real estate investing, you don’t want to miss this side hustle special!  Nick Loper, founder of Side Hustle Nation and host of The Side Hustle Show, has been building businesses since he was a teenager. From lucrative digital assets to service-based ventures, Nick has done it all, and today, he’s bringing some fresh ideas for you to try. As you’re about to learn, these fledgling businesses come in all shapes and sizes. Some take years to nurture before you reap any reward for effort, while others allow you to start earning immediately. In any case, you need to choose one you’re interested in and stick with it if you want to see results!  In this episode of the BiggerPockets Money podcast, Nick dives into some of his favorite side hustles—many of which you can start TODAY with little to no money and minimal time. You’ll learn whether it’s still possible to build amoney-making blog in 2024, as well as how to make extra income by renting out assets like inflatables, hot tubs, and vending machines!    In This Episode We Cover  Nick’s favorite low-money side hustle ideas (not named real estate!)  How to turn your own side business into a money-making machine  Creative ways to earn royalties from YOUR original works or ideas  How to build a digital asset that generates income for years to come  Why you MUST follow the “rule of one hundred” with every new side hustle  The non-digital assets you can rent out for a HUGE profit  And So Much More!  Links from the Show  BiggerPockets Money Facebook Group  Network with Other Investors on The Path to FIRE Through the BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Mindy on BiggerPockets  Scott on BiggePockets  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Find an Investor-Friendly Agent in Your Area  Find Investor-Friendly Lenders  How Anyone Can Easily Make Extra Money Using Side Hustles with Nick Loper  Finance Friday: Pay Off Debt, Invest in Real Estate, or…Buy Vending Machines?  Make an Extra $100/Day with These Work-From-Home Side Hustles  Hear Nick on “The Side Hustle Show”    Check out more resources from this show on BiggerPockets.com and https://www.biggerpockets.com/blog/money-520]]></description>
	<itunes:subtitle><![CDATA[The best side hustles can put some extra cash in your pocket, help you leave your W2 job, or even launch you toward FIRE. If you’re looking to make money in ways other than real estate investing, you don’t want to miss this side hustle special!  Nick Lop]]></itunes:subtitle>
	<content:encoded><![CDATA[The best side hustles can put some extra cash in your pocket, help you leave your W2 job, or even launch you toward FIRE. If you’re looking to make money in ways other than real estate investing, you don’t want to miss this side hustle special!  Nick Loper, founder of Side Hustle Nation and host of The Side Hustle Show, has been building businesses since he was a teenager. From lucrative digital assets to service-based ventures, Nick has done it all, and today, he’s bringing some fresh ideas for you to try. As you’re about to learn, these fledgling businesses come in all shapes and sizes. Some take years to nurture before you reap any reward for effort, while others allow you to start earning immediately. In any case, you need to choose one you’re interested in and stick with it if you want to see results!  In this episode of the BiggerPockets Money podcast, Nick dives into some of his favorite side hustles—many of which you can start TODAY with little to no money and minimal time. You’ll learn whether it’s still possible to build amoney-making blog in 2024, as well as how to make extra income by renting out assets like inflatables, hot tubs, and vending machines!    In This Episode We Cover  Nick’s favorite low-money side hustle ideas (not named real estate!)  How to turn your own side business into a money-making machine  Creative ways to earn royalties from YOUR original works or ideas  How to build a digital asset that generates income for years to come  Why you MUST follow the “rule of one hundred” with every new side hustle  The non-digital assets you can rent out for a HUGE profit  And So Much More!  Links from the Show  BiggerPockets Money Facebook Group  Network with Other Investors on The Path to FIRE Through the BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Mindy on BiggerPockets  Scott on BiggePockets  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Find an Investor-Friendly Agent in Your Area  Find Investor-Friendly Lenders  How Anyone Can Easily Make Extra Money Using Side Hustles with Nick Loper  Finance Friday: Pay Off Debt, Invest in Real Estate, or…Buy Vending Machines?  Make an Extra $100/Day with These Work-From-Home Side Hustles  Hear Nick on “The Side Hustle Show”    Check out more resources from this show on BiggerPockets.com and https://www.biggerpockets.com/blog/money-520]]></content:encoded>
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	<itunes:summary><![CDATA[The best side hustles can put some extra cash in your pocket, help you leave your W2 job, or even launch you toward FIRE. If you’re looking to make money in ways other than real estate investing, you don’t want to miss this side hustle special!  Nick Loper, founder of Side Hustle Nation and host of The Side Hustle Show, has been building businesses since he was a teenager. From lucrative digital assets to service-based ventures, Nick has done it all, and today, he’s bringing some fresh ideas for you to try. As you’re about to learn, these fledgling businesses come in all shapes and sizes. Some take years to nurture before you reap any reward for effort, while others allow you to start earning immediately. In any case, you need to choose one you’re interested in and stick with it if you want to see results!  In this episode of the BiggerPockets Money podcast, Nick dives into some of his favorite side hustles—many of which you can start TODAY with little to no money and minimal time. You’ll learn whether it’s still possible to build amoney-making blog in 2024, as well as how to make extra income by renting out assets like inflatables, hot tubs, and vending machines!    In This Episode We Cover  Nick’s favorite low-money side hustle ideas (not named real estate!)  How to turn your own side business into a money-making machine  Creative ways to earn royalties from YOUR original works or ideas  How to build a digital asset that generates income for years to come  Why you MUST follow the “rule of one hundred” with every new side hustle  The non-digital assets you can rent out for a HUGE profit  And So Much More!  Links from the Show  BiggerPockets Money Facebook Group  Network with Other Investors on The Path to FIRE Through the BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Mindy on BiggerPockets  Scott on BiggePockets  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Find an Investor-Friendly Agent in Your Area  Find Investor-Friendly Lenders  How Anyone Can Easily Make Extra Money Using Side Hustles with Nick Loper  Finance Friday: Pay Off Debt, Invest in Real Estate, or…Buy Vending Machines?  Make an Extra $100/Day with These Work-From-Home Side Hustles  Hear Nick on “The Side Hustle Show”    Check out more resources from this show on BiggerPockets.com and https://www.biggerpockets.com/blog/money-520]]></itunes:summary>
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	<itunes:block>no</itunes:block>
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	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[The best side hustles can put some extra cash in your pocket, help you leave your W2 job, or even launch you toward FIRE. If you’re looking to make money in ways other than real estate investing, you don’t want to miss this side hustle special!  Nick Loper, founder of Side Hustle Nation and host of The Side Hustle Show, has been building businesses since he was a teenager. From lucrative digital assets to service-based ventures, Nick has done it all, and today, he’s bringing some fresh ideas for you to try. As you’re about to learn, these fledgling businesses come in all shapes and sizes. Some take years to nurture before you reap any reward for effort, while others allow you to start earning immediately. In any case, you need to choose one you’re interested in and stick with it if you want to see results!  In this episode of the BiggerPockets Money podcast, Nick dives into some of his favorite side hustles—many of which you can start TODAY with little to no money and minimal time. Yo]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
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<item>
	<title>519: HSA vs. FSA and When to Drain Your Emergency Fund to Pay Off Debt</title>
	<link>https://biggerpocketsmoney.com/podcast/519-hsa-vs-fsa-and-when-to-drain-your-emergency-fund-to-pay-off-debt/</link>
	<pubDate>Fri, 12 Apr 2024 22:10:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
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	<description><![CDATA[Want to know how to avoid capital gains on your next home sale? If you tune in, you may dodge a quarter-of-a-million-dollar bullet (or more!). What about investing in one of the most tax-advantaged accounts that almost EVERYONE should have but most people don’t? What do you do when a family member asks to borrow money from you but has a [&#8230;]]]></description>
	<itunes:subtitle><![CDATA[Want to know how to avoid capital gains on your next home sale? If you tune in, you may dodge a quarter-of-a-million-dollar bullet (or more!). What about investing in one of the most tax-advantaged accounts that almost EVERYONE should have but most peopl]]></itunes:subtitle>
	<content:encoded><![CDATA[Want to know how to avoid capital gains on your next home sale? If you tune in, you may dodge a quarter-of-a-million-dollar bullet (or more!). What about investing in one of the most tax-advantaged accounts that almost EVERYONE should have but most people don’t? What do you do when a family member asks to borrow money from you but has a [&#8230;]]]></content:encoded>
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	<itunes:summary><![CDATA[Want to know how to avoid capital gains on your next home sale? If you tune in, you may dodge a quarter-of-a-million-dollar bullet (or more!). What about investing in one of the most tax-advantaged accounts that almost EVERYONE should have but most people don’t? What do you do when a family member asks to borrow money from you but has a [&#8230;]]]></itunes:summary>
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	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[Want to know how to avoid capital gains on your next home sale? If you tune in, you may dodge a quarter-of-a-million-dollar bullet (or more!). What about investing in one of the most tax-advantaged accounts that almost EVERYONE should have but most people don’t? What do you do when a family member asks to borrow money from you but has a [&#8230;]]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
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<item>
	<title>518; Shrinkflation: How to Outsmart The Grocery Stores’ Rising Prices</title>
	<link>https://biggerpocketsmoney.com/podcast/518-shrinkflation-how-to-outsmart-the-grocery-stores-rising-prices/</link>
	<pubDate>Tue, 09 Apr 2024 06:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
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	<description><![CDATA[Whether you know it or not, “shrinkflation” is costing you. You’re paying more for less, as manufacturers boast record profits. Your paycheck is getting eaten away faster and faster every month, but you’re left with the same amount of stuff. How did this happen, and when is it going to stop? Phil Lempert, AKA the “SupermarketGuru,” has been analyzing consumer behavior, marketing trends, and the retail landscape for over two decades. Now, he’s sharing thetricks manufacturers use to get you to spend more while expecting less.  Shrinkflation has become such a severe problem that even the president of the United States has recently mentioned its damaging effects on the American household. Phil gives us the inside scoop on why prices are rising while sizes shrink, how retailers are actually fighting back to get customers the savings they deserve, and which products are seeing the most shrinkflation today.  Phil also shares his top tips to beat shrinkflation and save more money every month, how to show the companies that you WON’T put up with their price gouging games, easy ways to identify shrinkflation, and the supermarket chains that give you the best bang for your buck. If you’re tired of seeing your grocery bill inflate while your bank account shrinks, this is an episode you cannot miss!    In This Episode We Cover  Shrinkflation explained, and how manufacturers are taking advantage of Americans  Products that are seeing the most shrinkflation and which items to avoid  Why America’s need for “choice” is making shrinkflation even worse  The grocery stores and brands that are the best for budget-conscious shoppers  How to identify shrinkflation and the sneaky tricks manufacturers play to get you to spend more for less  How to take action against shrinkflation and tell brands to STOP ripping you off!  And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  Network with Other Investors on The Path to FIRE Through the BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Mindy on BiggerPockets  Scott on BiggePockets  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Find an Investor-Friendly Agent in Your Area  Find Investor-Friendly Lenders  Cutting Your Grocery Bill in Half with Erin Chase from $5 Dinners  Persuasion Secrets and Predatory Practices Businesses Use on YOU  Supermarket Savings Tips: How to Avoid Shrinkflation as Some Companies Give Consumers Less     Check out more resources from this show on BiggerPockets.com and https://www.biggerpockets.com/blog/money-518]]></description>
	<itunes:subtitle><![CDATA[Whether you know it or not, “shrinkflation” is costing you. You’re paying more for less, as manufacturers boast record profits. Your paycheck is getting eaten away faster and faster every month, but you’re left with the same amount of stuff. How did this]]></itunes:subtitle>
	<content:encoded><![CDATA[Whether you know it or not, “shrinkflation” is costing you. You’re paying more for less, as manufacturers boast record profits. Your paycheck is getting eaten away faster and faster every month, but you’re left with the same amount of stuff. How did this happen, and when is it going to stop? Phil Lempert, AKA the “SupermarketGuru,” has been analyzing consumer behavior, marketing trends, and the retail landscape for over two decades. Now, he’s sharing thetricks manufacturers use to get you to spend more while expecting less.  Shrinkflation has become such a severe problem that even the president of the United States has recently mentioned its damaging effects on the American household. Phil gives us the inside scoop on why prices are rising while sizes shrink, how retailers are actually fighting back to get customers the savings they deserve, and which products are seeing the most shrinkflation today.  Phil also shares his top tips to beat shrinkflation and save more money every month, how to show the companies that you WON’T put up with their price gouging games, easy ways to identify shrinkflation, and the supermarket chains that give you the best bang for your buck. If you’re tired of seeing your grocery bill inflate while your bank account shrinks, this is an episode you cannot miss!    In This Episode We Cover  Shrinkflation explained, and how manufacturers are taking advantage of Americans  Products that are seeing the most shrinkflation and which items to avoid  Why America’s need for “choice” is making shrinkflation even worse  The grocery stores and brands that are the best for budget-conscious shoppers  How to identify shrinkflation and the sneaky tricks manufacturers play to get you to spend more for less  How to take action against shrinkflation and tell brands to STOP ripping you off!  And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  Network with Other Investors on The Path to FIRE Through the BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Mindy on BiggerPockets  Scott on BiggePockets  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Find an Investor-Friendly Agent in Your Area  Find Investor-Friendly Lenders  Cutting Your Grocery Bill in Half with Erin Chase from $5 Dinners  Persuasion Secrets and Predatory Practices Businesses Use on YOU  Supermarket Savings Tips: How to Avoid Shrinkflation as Some Companies Give Consumers Less     Check out more resources from this show on BiggerPockets.com and https://www.biggerpockets.com/blog/money-518]]></content:encoded>
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	<itunes:summary><![CDATA[Whether you know it or not, “shrinkflation” is costing you. You’re paying more for less, as manufacturers boast record profits. Your paycheck is getting eaten away faster and faster every month, but you’re left with the same amount of stuff. How did this happen, and when is it going to stop? Phil Lempert, AKA the “SupermarketGuru,” has been analyzing consumer behavior, marketing trends, and the retail landscape for over two decades. Now, he’s sharing thetricks manufacturers use to get you to spend more while expecting less.  Shrinkflation has become such a severe problem that even the president of the United States has recently mentioned its damaging effects on the American household. Phil gives us the inside scoop on why prices are rising while sizes shrink, how retailers are actually fighting back to get customers the savings they deserve, and which products are seeing the most shrinkflation today.  Phil also shares his top tips to beat shrinkflation and save more money every month, how to show the companies that you WON’T put up with their price gouging games, easy ways to identify shrinkflation, and the supermarket chains that give you the best bang for your buck. If you’re tired of seeing your grocery bill inflate while your bank account shrinks, this is an episode you cannot miss!    In This Episode We Cover  Shrinkflation explained, and how manufacturers are taking advantage of Americans  Products that are seeing the most shrinkflation and which items to avoid  Why America’s need for “choice” is making shrinkflation even worse  The grocery stores and brands that are the best for budget-conscious shoppers  How to identify shrinkflation and the sneaky tricks manufacturers play to get you to spend more for less  How to take action against shrinkflation and tell brands to STOP ripping you off!  And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  Network with Other Investors on The Path to FIRE Through the BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Mindy on BiggerPockets  Scott on BiggePockets  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Find an Investor-Friendly Agent in Your Area  Find Investor-Friendly Lenders  Cutting Your Grocery Bill in Half with Erin Chase from $5 Dinners  Persuasion Secrets and Predatory Practices Businesses Use on YOU  Supermarket Savings Tips: How to Avoid Shrinkflation as Some Companies Give Consumers Less     Check out more resources from this show on BiggerPockets.com and https://www.biggerpockets.com/blog/money-518]]></itunes:summary>
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	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[Whether you know it or not, “shrinkflation” is costing you. You’re paying more for less, as manufacturers boast record profits. Your paycheck is getting eaten away faster and faster every month, but you’re left with the same amount of stuff. How did this happen, and when is it going to stop? Phil Lempert, AKA the “SupermarketGuru,” has been analyzing consumer behavior, marketing trends, and the retail landscape for over two decades. Now, he’s sharing thetricks manufacturers use to get you to spend more while expecting less.  Shrinkflation has become such a severe problem that even the president of the United States has recently mentioned its damaging effects on the American household. Phil gives us the inside scoop on why prices are rising while sizes shrink, how retailers are actually fighting back to get customers the savings they deserve, and which products are seeing the most shrinkflation today.  Phil also shares his top tips to beat shrinkflation and save more money every month,]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
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<item>
	<title>517: Everything You Need to Know Before You Buy a Business</title>
	<link>https://biggerpocketsmoney.com/podcast/517-everything-you-need-to-know-before-you-buy-a-business/</link>
	<pubDate>Fri, 05 Apr 2024 06:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
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	<description><![CDATA[Buying a business? Maybe you’ve thought about it before. You could own a laundromat, self-storage facility, plumbing business, or landscaping service. It doesn’t sound glamorous, but these types of businesses can make you millions of dollars and lead you to financial freedom. And, with so many baby boomers retiring, tons of small businesses with built-in customer bases are for sale, just waiting for YOU to come and make money from them. But before you buy, there are some things you should know.  Elliott Holland, an expert in acquiring small and medium-sized businesses, helps aspiring business buyers uncover whether a business is worth the price. Elliot’s team specializes in business due diligence, making sure that YOU don’t buy a business that’s worth less than what the owner/broker told you it was. Trust him; he’s saved many new entrepreneurs from making million-dollar mistakes.  So, before you buy a business, listen to this episode. In it, Elliot walks through exactly how a business is valued, which loans you can use to buy a business, why you CAN’T trust the financials from the current business owner, questions to ask before you buy, and who should even be buying a business in the first place. Do this right, and you could be sitting on lifetime financial freedom, but take a wrong turn, and you could lose millions (we’ll share that story, too!).    In This Episode We Cover  How to buy a “boring business” that will lead you to financial freedom  How businesses are valued and why you MUST understand “EBITDA”  Tricky ways that business owners inflate their numbers to sell to you for more  Who should (and definitely shouldn’t) be buying small businesses   Three things you MUST look at before you make a bid on a business  The wrong move that lost one business owner over $2,000,000 when buying a business  And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  Network with Other Investors on The Path to FIRE Through the BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Mindy on BiggerPockets  Scott on BiggePockets  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Find an Investor-Friendly Agent in Your Area  Find Investor-Friendly Lenders  Codie Sanchez: These “Boring Businesses” Will Make You Rich  Leila and Alex Hormozi’s Unbelievably Simple Investing Advice  Sites to Buy Businesses:  Acquire  BizBuySell  Flippa  QuietLight  Elliot’s Resources From Today’s Episode:  LOI Template  12 Public Stories of Failed Due Diligence  Success Stories    Check out more resources from this show on BiggerPockets.com and https://www.biggerpockets.com/blog/money-517]]></description>
	<itunes:subtitle><![CDATA[Buying a business? Maybe you’ve thought about it before. You could own a laundromat, self-storage facility, plumbing business, or landscaping service. It doesn’t sound glamorous, but these types of businesses can make you millions of dollars and lead you]]></itunes:subtitle>
	<content:encoded><![CDATA[Buying a business? Maybe you’ve thought about it before. You could own a laundromat, self-storage facility, plumbing business, or landscaping service. It doesn’t sound glamorous, but these types of businesses can make you millions of dollars and lead you to financial freedom. And, with so many baby boomers retiring, tons of small businesses with built-in customer bases are for sale, just waiting for YOU to come and make money from them. But before you buy, there are some things you should know.  Elliott Holland, an expert in acquiring small and medium-sized businesses, helps aspiring business buyers uncover whether a business is worth the price. Elliot’s team specializes in business due diligence, making sure that YOU don’t buy a business that’s worth less than what the owner/broker told you it was. Trust him; he’s saved many new entrepreneurs from making million-dollar mistakes.  So, before you buy a business, listen to this episode. In it, Elliot walks through exactly how a business is valued, which loans you can use to buy a business, why you CAN’T trust the financials from the current business owner, questions to ask before you buy, and who should even be buying a business in the first place. Do this right, and you could be sitting on lifetime financial freedom, but take a wrong turn, and you could lose millions (we’ll share that story, too!).    In This Episode We Cover  How to buy a “boring business” that will lead you to financial freedom  How businesses are valued and why you MUST understand “EBITDA”  Tricky ways that business owners inflate their numbers to sell to you for more  Who should (and definitely shouldn’t) be buying small businesses   Three things you MUST look at before you make a bid on a business  The wrong move that lost one business owner over $2,000,000 when buying a business  And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  Network with Other Investors on The Path to FIRE Through the BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Mindy on BiggerPockets  Scott on BiggePockets  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Find an Investor-Friendly Agent in Your Area  Find Investor-Friendly Lenders  Codie Sanchez: These “Boring Businesses” Will Make You Rich  Leila and Alex Hormozi’s Unbelievably Simple Investing Advice  Sites to Buy Businesses:  Acquire  BizBuySell  Flippa  QuietLight  Elliot’s Resources From Today’s Episode:  LOI Template  12 Public Stories of Failed Due Diligence  Success Stories    Check out more resources from this show on BiggerPockets.com and https://www.biggerpockets.com/blog/money-517]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC9872646374.mp3" length="70370650" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[Buying a business? Maybe you’ve thought about it before. You could own a laundromat, self-storage facility, plumbing business, or landscaping service. It doesn’t sound glamorous, but these types of businesses can make you millions of dollars and lead you to financial freedom. And, with so many baby boomers retiring, tons of small businesses with built-in customer bases are for sale, just waiting for YOU to come and make money from them. But before you buy, there are some things you should know.  Elliott Holland, an expert in acquiring small and medium-sized businesses, helps aspiring business buyers uncover whether a business is worth the price. Elliot’s team specializes in business due diligence, making sure that YOU don’t buy a business that’s worth less than what the owner/broker told you it was. Trust him; he’s saved many new entrepreneurs from making million-dollar mistakes.  So, before you buy a business, listen to this episode. In it, Elliot walks through exactly how a business is valued, which loans you can use to buy a business, why you CAN’T trust the financials from the current business owner, questions to ask before you buy, and who should even be buying a business in the first place. Do this right, and you could be sitting on lifetime financial freedom, but take a wrong turn, and you could lose millions (we’ll share that story, too!).    In This Episode We Cover  How to buy a “boring business” that will lead you to financial freedom  How businesses are valued and why you MUST understand “EBITDA”  Tricky ways that business owners inflate their numbers to sell to you for more  Who should (and definitely shouldn’t) be buying small businesses   Three things you MUST look at before you make a bid on a business  The wrong move that lost one business owner over $2,000,000 when buying a business  And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  Network with Other Investors on The Path to FIRE Through the BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Mindy on BiggerPockets  Scott on BiggePockets  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Find an Investor-Friendly Agent in Your Area  Find Investor-Friendly Lenders  Codie Sanchez: These “Boring Businesses” Will Make You Rich  Leila and Alex Hormozi’s Unbelievably Simple Investing Advice  Sites to Buy Businesses:  Acquire  BizBuySell  Flippa  QuietLight  Elliot’s Resources From Today’s Episode:  LOI Template  12 Public Stories of Failed Due Diligence  Success Stories    Check out more resources from this show on BiggerPockets.com and https://www.biggerpockets.com/blog/money-517]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[Buying a business? Maybe you’ve thought about it before. You could own a laundromat, self-storage facility, plumbing business, or landscaping service. It doesn’t sound glamorous, but these types of businesses can make you millions of dollars and lead you to financial freedom. And, with so many baby boomers retiring, tons of small businesses with built-in customer bases are for sale, just waiting for YOU to come and make money from them. But before you buy, there are some things you should know.  Elliott Holland, an expert in acquiring small and medium-sized businesses, helps aspiring business buyers uncover whether a business is worth the price. Elliot’s team specializes in business due diligence, making sure that YOU don’t buy a business that’s worth less than what the owner/broker told you it was. Trust him; he’s saved many new entrepreneurs from making million-dollar mistakes.  So, before you buy a business, listen to this episode. In it, Elliot walks through exactly how a business]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>516: Jaspreet Singh: Getting Rich Slowly and Why Some People STAY Broke</title>
	<link>https://biggerpocketsmoney.com/podcast/516-jaspreet-singh-getting-rich-slowly-and-why-some-people-stay-broke/</link>
	<pubDate>Tue, 02 Apr 2024 06:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
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	<description><![CDATA[Want to know how to get rich but fear it could be too late? Perhaps you’ve got responsibilities, bills to pay, and a family to feed. How can you possibly get ahead? Jaspreet Singh’s message is clear: you can still build wealth, but you’re going to have to be intentional with your money, just like every other rich person. There are no shortcuts!   Today, Jaspreet is a serial entrepreneur, real estate investor, licensed attorney, and host of The Minority Mindset Show. But growing up, his parents wanted him to become a doctor. Despite the immense pressure to fulfill their wishes, Jaspreet found himself gravitating toward entrepreneurship. He started several businesses throughout adolescence and young adulthood—from playing drums at weddings and planning college parties to building ecommerce stores. He lost a TON of money along the way, but taking these risks early on paid off. Eventually, he discovered his true passion, financial education, and built an enormous online business by teaching others how to master personal finance.  America’s capitalist financial system benefits those who are willing to “play the game.” In this episode, Jaspreet shares how fostering a “minority mindset” unlocks the ability to use this country’s tax code, banks, debt, and other systems to your advantage. The catch? It’s a hard, long road. Jaspreet recommends drastic lifestyle changes, such as ruthless frugality, a “decade of sacrifice,” and the 75/15/10 rule. Make no mistake—it’s not going to be easy. But years from now, you’ll be thankful you stuck to this tried-and-true wealth-building philosophy!    In This Episode We Cover  How to foster a healthy relationship with your money  The three phases of wealth (and how to handle money in each stage)  How risk tolerance varies in different stages of wealth building  Why a “decade of sacrifice” is the foundation for long-term wealth  What you MUST do to thrive in America’s financial system  How to be “intentional” with your finances using the 75/15/10 rule  Pre-tax versus post-tax investment accounts and avoiding risk in retirement  And So Much More!]]></description>
	<itunes:subtitle><![CDATA[Want to know how to get rich but fear it could be too late? Perhaps you’ve got responsibilities, bills to pay, and a family to feed. How can you possibly get ahead? Jaspreet Singh’s message is clear: you can still build wealth, but you’re going to have t]]></itunes:subtitle>
	<content:encoded><![CDATA[Want to know how to get rich but fear it could be too late? Perhaps you’ve got responsibilities, bills to pay, and a family to feed. How can you possibly get ahead? Jaspreet Singh’s message is clear: you can still build wealth, but you’re going to have to be intentional with your money, just like every other rich person. There are no shortcuts!   Today, Jaspreet is a serial entrepreneur, real estate investor, licensed attorney, and host of The Minority Mindset Show. But growing up, his parents wanted him to become a doctor. Despite the immense pressure to fulfill their wishes, Jaspreet found himself gravitating toward entrepreneurship. He started several businesses throughout adolescence and young adulthood—from playing drums at weddings and planning college parties to building ecommerce stores. He lost a TON of money along the way, but taking these risks early on paid off. Eventually, he discovered his true passion, financial education, and built an enormous online business by teaching others how to master personal finance.  America’s capitalist financial system benefits those who are willing to “play the game.” In this episode, Jaspreet shares how fostering a “minority mindset” unlocks the ability to use this country’s tax code, banks, debt, and other systems to your advantage. The catch? It’s a hard, long road. Jaspreet recommends drastic lifestyle changes, such as ruthless frugality, a “decade of sacrifice,” and the 75/15/10 rule. Make no mistake—it’s not going to be easy. But years from now, you’ll be thankful you stuck to this tried-and-true wealth-building philosophy!    In This Episode We Cover  How to foster a healthy relationship with your money  The three phases of wealth (and how to handle money in each stage)  How risk tolerance varies in different stages of wealth building  Why a “decade of sacrifice” is the foundation for long-term wealth  What you MUST do to thrive in America’s financial system  How to be “intentional” with your finances using the 75/15/10 rule  Pre-tax versus post-tax investment accounts and avoiding risk in retirement  And So Much More!]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC6895564172.mp3" length="65079331" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[Want to know how to get rich but fear it could be too late? Perhaps you’ve got responsibilities, bills to pay, and a family to feed. How can you possibly get ahead? Jaspreet Singh’s message is clear: you can still build wealth, but you’re going to have to be intentional with your money, just like every other rich person. There are no shortcuts!   Today, Jaspreet is a serial entrepreneur, real estate investor, licensed attorney, and host of The Minority Mindset Show. But growing up, his parents wanted him to become a doctor. Despite the immense pressure to fulfill their wishes, Jaspreet found himself gravitating toward entrepreneurship. He started several businesses throughout adolescence and young adulthood—from playing drums at weddings and planning college parties to building ecommerce stores. He lost a TON of money along the way, but taking these risks early on paid off. Eventually, he discovered his true passion, financial education, and built an enormous online business by teaching others how to master personal finance.  America’s capitalist financial system benefits those who are willing to “play the game.” In this episode, Jaspreet shares how fostering a “minority mindset” unlocks the ability to use this country’s tax code, banks, debt, and other systems to your advantage. The catch? It’s a hard, long road. Jaspreet recommends drastic lifestyle changes, such as ruthless frugality, a “decade of sacrifice,” and the 75/15/10 rule. Make no mistake—it’s not going to be easy. But years from now, you’ll be thankful you stuck to this tried-and-true wealth-building philosophy!    In This Episode We Cover  How to foster a healthy relationship with your money  The three phases of wealth (and how to handle money in each stage)  How risk tolerance varies in different stages of wealth building  Why a “decade of sacrifice” is the foundation for long-term wealth  What you MUST do to thrive in America’s financial system  How to be “intentional” with your finances using the 75/15/10 rule  Pre-tax versus post-tax investment accounts and avoiding risk in retirement  And So Much More!]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[Want to know how to get rich but fear it could be too late? Perhaps you’ve got responsibilities, bills to pay, and a family to feed. How can you possibly get ahead? Jaspreet Singh’s message is clear: you can still build wealth, but you’re going to have to be intentional with your money, just like every other rich person. There are no shortcuts!   Today, Jaspreet is a serial entrepreneur, real estate investor, licensed attorney, and host of The Minority Mindset Show. But growing up, his parents wanted him to become a doctor. Despite the immense pressure to fulfill their wishes, Jaspreet found himself gravitating toward entrepreneurship. He started several businesses throughout adolescence and young adulthood—from playing drums at weddings and planning college parties to building ecommerce stores. He lost a TON of money along the way, but taking these risks early on paid off. Eventually, he discovered his true passion, financial education, and built an enormous online business by teachi]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>515: How I Paid Off $150K in Debt and the 5 Factors That Boost Your Credit Score</title>
	<link>https://biggerpocketsmoney.com/podcast/515-how-i-paid-off-150k-in-debt-and-the-5-factors-that-boost-your-credit-score/</link>
	<pubDate>Fri, 29 Mar 2024 06:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
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	<description><![CDATA[Want to know how to get out of debt for good? It’s not as easy as it sounds! The more you chip away at that number, the harder it becomes to resist frivolous spending. But by fostering a healthy money mindset, building credit, and using credit cards the right way, you can stay out of the red!  Welcome back to the BiggerPockets Money podcast! Ashley is a business owner and rental property investor who is well on her way to financial independence. But only a few years ago, she had racked up tens of thousands of dollars in debt on not one, not two, but THREE occasions. In this episode, she shares why she struggled to break free from the snare of consumer debt and why a drastic mindset shift was needed to climb out of a $150,000 hole.  Ashley also takes a deep dive into credit history and touches on each of the five factors that impact your credit score. Along the way, she offers several personal finance tips that will help you pay off debt and raise your score—such as “tiering down” from credit cards you no longer use, increasing your credit age with one simple hack, and striking the perfect mix of credit accounts. Finally, how important is credit? Is it a trap to avoid or a necessary evil that can help propel you toward financial freedom? Stick around to find out!    In This Episode We Cover  How Ashley paid off over $150,000 of debt in just a few years  Why sixty-five percent of your credit score is within YOUR control  Common methods of paying down debt and which one to use  When to keep your old credit cards open (and when to close them instead!)  The credit card “hack” you can use to make your credit age appear longer  Revolving credit versus installment loans (and why you should have both)  And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  Network with Other Investors on The Path to FIRE Through the BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Mindy on BiggerPockets  Scott on BiggePockets  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Find an Investor-Friendly Agent in Your Area  Find Investor-Friendly Lenders  How to “Travel Hack” Like a Pro and Get FREE Flights, Hotel Stays, and More! w/Eli Facenda  The Secret to Saving More, Spending Less, and a Perfect Credit Score  How to Pay Off Credit Card Debt FAST ($30K+ in 1 Year!)  How to Pull Yourself Out of Car, Student, or Credit Card Debt]]></description>
	<itunes:subtitle><![CDATA[Want to know how to get out of debt for good? It’s not as easy as it sounds! The more you chip away at that number, the harder it becomes to resist frivolous spending. But by fostering a healthy money mindset, building credit, and using credit cards the ]]></itunes:subtitle>
	<content:encoded><![CDATA[Want to know how to get out of debt for good? It’s not as easy as it sounds! The more you chip away at that number, the harder it becomes to resist frivolous spending. But by fostering a healthy money mindset, building credit, and using credit cards the right way, you can stay out of the red!  Welcome back to the BiggerPockets Money podcast! Ashley is a business owner and rental property investor who is well on her way to financial independence. But only a few years ago, she had racked up tens of thousands of dollars in debt on not one, not two, but THREE occasions. In this episode, she shares why she struggled to break free from the snare of consumer debt and why a drastic mindset shift was needed to climb out of a $150,000 hole.  Ashley also takes a deep dive into credit history and touches on each of the five factors that impact your credit score. Along the way, she offers several personal finance tips that will help you pay off debt and raise your score—such as “tiering down” from credit cards you no longer use, increasing your credit age with one simple hack, and striking the perfect mix of credit accounts. Finally, how important is credit? Is it a trap to avoid or a necessary evil that can help propel you toward financial freedom? Stick around to find out!    In This Episode We Cover  How Ashley paid off over $150,000 of debt in just a few years  Why sixty-five percent of your credit score is within YOUR control  Common methods of paying down debt and which one to use  When to keep your old credit cards open (and when to close them instead!)  The credit card “hack” you can use to make your credit age appear longer  Revolving credit versus installment loans (and why you should have both)  And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  Network with Other Investors on The Path to FIRE Through the BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Mindy on BiggerPockets  Scott on BiggePockets  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Find an Investor-Friendly Agent in Your Area  Find Investor-Friendly Lenders  How to “Travel Hack” Like a Pro and Get FREE Flights, Hotel Stays, and More! w/Eli Facenda  The Secret to Saving More, Spending Less, and a Perfect Credit Score  How to Pay Off Credit Card Debt FAST ($30K+ in 1 Year!)  How to Pull Yourself Out of Car, Student, or Credit Card Debt]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC4720947139.mp3" length="66315124" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[Want to know how to get out of debt for good? It’s not as easy as it sounds! The more you chip away at that number, the harder it becomes to resist frivolous spending. But by fostering a healthy money mindset, building credit, and using credit cards the right way, you can stay out of the red!  Welcome back to the BiggerPockets Money podcast! Ashley is a business owner and rental property investor who is well on her way to financial independence. But only a few years ago, she had racked up tens of thousands of dollars in debt on not one, not two, but THREE occasions. In this episode, she shares why she struggled to break free from the snare of consumer debt and why a drastic mindset shift was needed to climb out of a $150,000 hole.  Ashley also takes a deep dive into credit history and touches on each of the five factors that impact your credit score. Along the way, she offers several personal finance tips that will help you pay off debt and raise your score—such as “tiering down” from credit cards you no longer use, increasing your credit age with one simple hack, and striking the perfect mix of credit accounts. Finally, how important is credit? Is it a trap to avoid or a necessary evil that can help propel you toward financial freedom? Stick around to find out!    In This Episode We Cover  How Ashley paid off over $150,000 of debt in just a few years  Why sixty-five percent of your credit score is within YOUR control  Common methods of paying down debt and which one to use  When to keep your old credit cards open (and when to close them instead!)  The credit card “hack” you can use to make your credit age appear longer  Revolving credit versus installment loans (and why you should have both)  And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  Network with Other Investors on The Path to FIRE Through the BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Mindy on BiggerPockets  Scott on BiggePockets  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Find an Investor-Friendly Agent in Your Area  Find Investor-Friendly Lenders  How to “Travel Hack” Like a Pro and Get FREE Flights, Hotel Stays, and More! w/Eli Facenda  The Secret to Saving More, Spending Less, and a Perfect Credit Score  How to Pay Off Credit Card Debt FAST ($30K+ in 1 Year!)  How to Pull Yourself Out of Car, Student, or Credit Card Debt]]></itunes:summary>
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	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[Want to know how to get out of debt for good? It’s not as easy as it sounds! The more you chip away at that number, the harder it becomes to resist frivolous spending. But by fostering a healthy money mindset, building credit, and using credit cards the right way, you can stay out of the red!  Welcome back to the BiggerPockets Money podcast! Ashley is a business owner and rental property investor who is well on her way to financial independence. But only a few years ago, she had racked up tens of thousands of dollars in debt on not one, not two, but THREE occasions. In this episode, she shares why she struggled to break free from the snare of consumer debt and why a drastic mindset shift was needed to climb out of a $150,000 hole.  Ashley also takes a deep dive into credit history and touches on each of the five factors that impact your credit score. Along the way, she offers several personal finance tips that will help you pay off debt and raise your score—such as “tiering down” from]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>514: How to “Travel Hack” Like a Pro and Get FREE Flights, Hotel Stays, and More!</title>
	<link>https://biggerpocketsmoney.com/podcast/514-how-to-travel-hack-like-a-pro-and-get-free-flights-hotel-stays-and-more/</link>
	<pubDate>Tue, 26 Mar 2024 06:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
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	<description><![CDATA[Want to know how to travel for FREE in 2024 and 2025? We’re about to introduce you to the magical world of travel hacking. Never heard of it before? You’re about to have your mind blown. Travel hacking is one of the best ways to turn your everyday spending into free trips, hotel stays, business-class flights, and more. [&#8230;]]]></description>
	<itunes:subtitle><![CDATA[Want to know how to travel for FREE in 2024 and 2025? We’re about to introduce you to the magical world of travel hacking. Never heard of it before? You’re about to have your mind blown. Travel hacking is one of the best ways to turn your everyday spendi]]></itunes:subtitle>
	<content:encoded><![CDATA[Want to know how to travel for FREE in 2024 and 2025? We’re about to introduce you to the magical world of travel hacking. Never heard of it before? You’re about to have your mind blown. Travel hacking is one of the best ways to turn your everyday spending into free trips, hotel stays, business-class flights, and more. [&#8230;]]]></content:encoded>
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	<itunes:summary><![CDATA[Want to know how to travel for FREE in 2024 and 2025? We’re about to introduce you to the magical world of travel hacking. Never heard of it before? You’re about to have your mind blown. Travel hacking is one of the best ways to turn your everyday spending into free trips, hotel stays, business-class flights, and more. [&#8230;]]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
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	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[Want to know how to travel for FREE in 2024 and 2025? We’re about to introduce you to the magical world of travel hacking. Never heard of it before? You’re about to have your mind blown. Travel hacking is one of the best ways to turn your everyday spending into free trips, hotel stays, business-class flights, and more. [&#8230;]]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
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<item>
	<title>513: The “Red Flags” of Investment Fraud from a Former $3.8M Ponzi Scheme Manager</title>
	<link>https://biggerpocketsmoney.com/podcast/513-the-red-flags-of-investment-fraud-from-a-former-3-8m-ponzi-scheme-manager/</link>
	<pubDate>Fri, 22 Mar 2024 06:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
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	<description><![CDATA[Please be advised: this podcast episode contains discussions about sensitive topics, including suicide, which may be distressing for some listeners. If you are experiencing thoughts of suicide or emotional distress, help is available. You can contact the National Suicide Prevention Lifeline by dialing 988 to connect directly with trained counselors who can provide support and [&#8230;]]]></description>
	<itunes:subtitle><![CDATA[Please be advised: this podcast episode contains discussions about sensitive topics, including suicide, which may be distressing for some listeners. If you are experiencing thoughts of suicide or emotional distress, help is available. You can contact the]]></itunes:subtitle>
	<content:encoded><![CDATA[Please be advised: this podcast episode contains discussions about sensitive topics, including suicide, which may be distressing for some listeners. If you are experiencing thoughts of suicide or emotional distress, help is available. You can contact the National Suicide Prevention Lifeline by dialing 988 to connect directly with trained counselors who can provide support and [&#8230;]]]></content:encoded>
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	<itunes:summary><![CDATA[Please be advised: this podcast episode contains discussions about sensitive topics, including suicide, which may be distressing for some listeners. If you are experiencing thoughts of suicide or emotional distress, help is available. You can contact the National Suicide Prevention Lifeline by dialing 988 to connect directly with trained counselors who can provide support and [&#8230;]]]></itunes:summary>
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<item>
	<title>512: Unemployment Inches Up, Inflation Returns, &#038; Serious News for Student Loans</title>
	<link>https://biggerpocketsmoney.com/podcast/512-unemployment-inches-up-inflation-returns-serious-news-for-student-loans/</link>
	<pubDate>Tue, 19 Mar 2024 06:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
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	<description><![CDATA[Has the job market finally flipped? Throughout most of the pandemic, it seemed that any and every worker was a hot commodity. Job-hopping was the new norm as businesses outbid each other to get the best talent. Now, thanks to rising interest rates, a slower economy, and a return to the office, it seems that employees don’t have the same negotiating power they did just a couple of years ago, and the new jobs numbers are showing this.  Welcome to a new type of format on the BiggerPockets Money podcast—a headlines show! We’re taking some of the top news stories from the world of personal finance and the overall economy and giving you our takes so you can make better money decisions. First, a strong jobs report comes in, but unemployment still rises as Americans find it harder and harder to get the job they want. Are employers back in control after years of workers owning the market?  Then, we’ll touch on the latest inflation numbers and why costs are rising even as work becomes less available. Student loan borrowers receive a huge win as getting their debt discharged during bankruptcy becomes even easier. This could cause significant ripple effects for which degrees become financeable in the future! Finally, a 529 plan update that now gives parents a HUGE reason to invest in their child’s future education.    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-512     Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email us: moneymoment@biggerpockets.com]]></description>
	<itunes:subtitle><![CDATA[Has the job market finally flipped? Throughout most of the pandemic, it seemed that any and every worker was a hot commodity. Job-hopping was the new norm as businesses outbid each other to get the best talent. Now, thanks to rising interest rates, a slo]]></itunes:subtitle>
	<content:encoded><![CDATA[Has the job market finally flipped? Throughout most of the pandemic, it seemed that any and every worker was a hot commodity. Job-hopping was the new norm as businesses outbid each other to get the best talent. Now, thanks to rising interest rates, a slower economy, and a return to the office, it seems that employees don’t have the same negotiating power they did just a couple of years ago, and the new jobs numbers are showing this.  Welcome to a new type of format on the BiggerPockets Money podcast—a headlines show! We’re taking some of the top news stories from the world of personal finance and the overall economy and giving you our takes so you can make better money decisions. First, a strong jobs report comes in, but unemployment still rises as Americans find it harder and harder to get the job they want. Are employers back in control after years of workers owning the market?  Then, we’ll touch on the latest inflation numbers and why costs are rising even as work becomes less available. Student loan borrowers receive a huge win as getting their debt discharged during bankruptcy becomes even easier. This could cause significant ripple effects for which degrees become financeable in the future! Finally, a 529 plan update that now gives parents a HUGE reason to invest in their child’s future education.    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-512     Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email us: moneymoment@biggerpockets.com]]></content:encoded>
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	<itunes:summary><![CDATA[Has the job market finally flipped? Throughout most of the pandemic, it seemed that any and every worker was a hot commodity. Job-hopping was the new norm as businesses outbid each other to get the best talent. Now, thanks to rising interest rates, a slower economy, and a return to the office, it seems that employees don’t have the same negotiating power they did just a couple of years ago, and the new jobs numbers are showing this.  Welcome to a new type of format on the BiggerPockets Money podcast—a headlines show! We’re taking some of the top news stories from the world of personal finance and the overall economy and giving you our takes so you can make better money decisions. First, a strong jobs report comes in, but unemployment still rises as Americans find it harder and harder to get the job they want. Are employers back in control after years of workers owning the market?  Then, we’ll touch on the latest inflation numbers and why costs are rising even as work becomes less available. Student loan borrowers receive a huge win as getting their debt discharged during bankruptcy becomes even easier. This could cause significant ripple effects for which degrees become financeable in the future! Finally, a 529 plan update that now gives parents a HUGE reason to invest in their child’s future education.    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-512     Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email us: moneymoment@biggerpockets.com]]></itunes:summary>
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	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[Has the job market finally flipped? Throughout most of the pandemic, it seemed that any and every worker was a hot commodity. Job-hopping was the new norm as businesses outbid each other to get the best talent. Now, thanks to rising interest rates, a slower economy, and a return to the office, it seems that employees don’t have the same negotiating power they did just a couple of years ago, and the new jobs numbers are showing this.  Welcome to a new type of format on the BiggerPockets Money podcast—a headlines show! We’re taking some of the top news stories from the world of personal finance and the overall economy and giving you our takes so you can make better money decisions. First, a strong jobs report comes in, but unemployment still rises as Americans find it harder and harder to get the job they want. Are employers back in control after years of workers owning the market?  Then, we’ll touch on the latest inflation numbers and why costs are rising even as work becomes less avai]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
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<item>
	<title>511: Pay Your Rent and Level Up Your Home with THIS Creative Side Hustle</title>
	<link>https://biggerpocketsmoney.com/podcast/511-pay-your-rent-and-level-up-your-home-with-this-creative-side-hustle/</link>
	<pubDate>Fri, 15 Mar 2024 06:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
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	<description><![CDATA[Could one side hustle help you pay rent, save money to invest in real estate, or reach financial independence? Today’s guest picked up the perfect hobby that combines his background in art and love for home décor. The best part? It allows him to make extra money each month!  Welcome back to the BiggerPockets Money podcast! Because Kyle William earns a modest salary in an expensive city, there’s no room for new furniture and décor in his budget. However, he has found a way to not only fully furnish his apartment without paying top dollar but also turn this passion into a profitable side hustle. In his spare time, he scours the web for items that people no longer value, uses his artistic eye and do-it-yourself (DIY) skills to restore them to peak condition, and then flips them online for a hefty profit!  Could you turn your own passion into a money-making side hustle, too? Whether you’re interested in flipping furnitureor another hobby altogether, tune in as Kyle shares where to find unwanted items, the best DIY skills for beginners, and how to cash in on your hard work!    In This Episode We Cover  The DIY side hustle Kyle uses to cover his rent (and improve his home!)  How to start your own furniture flipping side hustle  The best places to find valuable used items that can be recycled  Beginner do-it-yourself (DIY) skills that YOU can learn today  Kyle’s best home decorating hacks for thrifty creatives  And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  Network with Other Investors on The Path to FIRE Through the BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Mindy on BiggerPockets  Scott on BiggePockets  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Find an Investor-Friendly Agent in Your Area  Find Investor-Friendly Lenders  Make an Extra $100/Day with These Work-From-Home Side Hustles  How Anyone Can Easily Make Extra Money Using Side Hustles with Nick Loper    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-511     Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email us: moneymoment@biggerpockets.com]]></description>
	<itunes:subtitle><![CDATA[Could one side hustle help you pay rent, save money to invest in real estate, or reach financial independence? Today’s guest picked up the perfect hobby that combines his background in art and love for home décor. The best part? It allows him to make ext]]></itunes:subtitle>
	<content:encoded><![CDATA[Could one side hustle help you pay rent, save money to invest in real estate, or reach financial independence? Today’s guest picked up the perfect hobby that combines his background in art and love for home décor. The best part? It allows him to make extra money each month!  Welcome back to the BiggerPockets Money podcast! Because Kyle William earns a modest salary in an expensive city, there’s no room for new furniture and décor in his budget. However, he has found a way to not only fully furnish his apartment without paying top dollar but also turn this passion into a profitable side hustle. In his spare time, he scours the web for items that people no longer value, uses his artistic eye and do-it-yourself (DIY) skills to restore them to peak condition, and then flips them online for a hefty profit!  Could you turn your own passion into a money-making side hustle, too? Whether you’re interested in flipping furnitureor another hobby altogether, tune in as Kyle shares where to find unwanted items, the best DIY skills for beginners, and how to cash in on your hard work!    In This Episode We Cover  The DIY side hustle Kyle uses to cover his rent (and improve his home!)  How to start your own furniture flipping side hustle  The best places to find valuable used items that can be recycled  Beginner do-it-yourself (DIY) skills that YOU can learn today  Kyle’s best home decorating hacks for thrifty creatives  And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  Network with Other Investors on The Path to FIRE Through the BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Mindy on BiggerPockets  Scott on BiggePockets  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Find an Investor-Friendly Agent in Your Area  Find Investor-Friendly Lenders  Make an Extra $100/Day with These Work-From-Home Side Hustles  How Anyone Can Easily Make Extra Money Using Side Hustles with Nick Loper    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-511     Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email us: moneymoment@biggerpockets.com]]></content:encoded>
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	<itunes:summary><![CDATA[Could one side hustle help you pay rent, save money to invest in real estate, or reach financial independence? Today’s guest picked up the perfect hobby that combines his background in art and love for home décor. The best part? It allows him to make extra money each month!  Welcome back to the BiggerPockets Money podcast! Because Kyle William earns a modest salary in an expensive city, there’s no room for new furniture and décor in his budget. However, he has found a way to not only fully furnish his apartment without paying top dollar but also turn this passion into a profitable side hustle. In his spare time, he scours the web for items that people no longer value, uses his artistic eye and do-it-yourself (DIY) skills to restore them to peak condition, and then flips them online for a hefty profit!  Could you turn your own passion into a money-making side hustle, too? Whether you’re interested in flipping furnitureor another hobby altogether, tune in as Kyle shares where to find unwanted items, the best DIY skills for beginners, and how to cash in on your hard work!    In This Episode We Cover  The DIY side hustle Kyle uses to cover his rent (and improve his home!)  How to start your own furniture flipping side hustle  The best places to find valuable used items that can be recycled  Beginner do-it-yourself (DIY) skills that YOU can learn today  Kyle’s best home decorating hacks for thrifty creatives  And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  Network with Other Investors on The Path to FIRE Through the BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Mindy on BiggerPockets  Scott on BiggePockets  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Find an Investor-Friendly Agent in Your Area  Find Investor-Friendly Lenders  Make an Extra $100/Day with These Work-From-Home Side Hustles  How Anyone Can Easily Make Extra Money Using Side Hustles with Nick Loper    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-511     Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email us: moneymoment@biggerpockets.com]]></itunes:summary>
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	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[Could one side hustle help you pay rent, save money to invest in real estate, or reach financial independence? Today’s guest picked up the perfect hobby that combines his background in art and love for home décor. The best part? It allows him to make extra money each month!  Welcome back to the BiggerPockets Money podcast! Because Kyle William earns a modest salary in an expensive city, there’s no room for new furniture and décor in his budget. However, he has found a way to not only fully furnish his apartment without paying top dollar but also turn this passion into a profitable side hustle. In his spare time, he scours the web for items that people no longer value, uses his artistic eye and do-it-yourself (DIY) skills to restore them to peak condition, and then flips them online for a hefty profit!  Could you turn your own passion into a money-making side hustle, too? Whether you’re interested in flipping furnitureor another hobby altogether, tune in as Kyle shares where to find un]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
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<item>
	<title>510: Morgan Housel: Financial Lessons From History Anyone Can Use to Get Rich</title>
	<link>https://biggerpocketsmoney.com/podcast/510-morgan-housel-financial-lessons-from-history-anyone-can-use-to-get-rich/</link>
	<pubDate>Tue, 12 Mar 2024 06:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
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	<description><![CDATA[Morgan Housel’s ground-breaking book, The Psychology of Money, changed how many Americans thought about saving, spending, and investing. Through a collection of financial lessons, Morgan opened up new thought patterns for many of us, showcasing that getting rich isn’t as complicated as you might think, but staying rich can be the actual challenge. Now, this personal finance powerhouse is back with a new book, Same as Ever.  In Same as Ever, Morgan doubles down on what has, and most likely always will, work in the personal finance world. By showcasing some of the most commonly repeated financial events of the past, we can better shape our understanding of what will happen in the future and use history to our advantage to build even bigger wealth, enjoy our lives even more, and not repeat our past mistakes.  But this episode goes much deeper than that. We talk about why so many Americans will die without building wealth, why people are afraid to invest, when to spend your wealth once you’ve built it, and exactly how Morgan invests his own money. Plus, why getting rich isn’t your biggest concern—staying rich is.    In This Episode We Cover  Why Morgan thinks you MUST be a “reasonable optimist” to get and stay rich   Exactly how Morgan spends, saves, and invests his own money   The real reason why most Americans will die without ever building wealth   The “competition” which is always looking to take your success from you   How to STOP being afraid of investing and start putting your future first  When to spend your wealth and why dying with riches isn’t the real goal  Financial regrets and mistakes of Morgan’s past, and advice for ANY investor  And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  Network with Other Investors on The Path to FIRE Through the BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Mindy on BiggerPockets  Scott on BiggePockets  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  The Simple Path to Wealth—Index Funds Explained with JL Collins  How to Get Rich Without Investing in Real Estate    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-510     Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email us: moneymoment@biggerpockets.com]]></description>
	<itunes:subtitle><![CDATA[Morgan Housel’s ground-breaking book, The Psychology of Money, changed how many Americans thought about saving, spending, and investing. Through a collection of financial lessons, Morgan opened up new thought patterns for many of us, showcasing that gett]]></itunes:subtitle>
	<content:encoded><![CDATA[Morgan Housel’s ground-breaking book, The Psychology of Money, changed how many Americans thought about saving, spending, and investing. Through a collection of financial lessons, Morgan opened up new thought patterns for many of us, showcasing that getting rich isn’t as complicated as you might think, but staying rich can be the actual challenge. Now, this personal finance powerhouse is back with a new book, Same as Ever.  In Same as Ever, Morgan doubles down on what has, and most likely always will, work in the personal finance world. By showcasing some of the most commonly repeated financial events of the past, we can better shape our understanding of what will happen in the future and use history to our advantage to build even bigger wealth, enjoy our lives even more, and not repeat our past mistakes.  But this episode goes much deeper than that. We talk about why so many Americans will die without building wealth, why people are afraid to invest, when to spend your wealth once you’ve built it, and exactly how Morgan invests his own money. Plus, why getting rich isn’t your biggest concern—staying rich is.    In This Episode We Cover  Why Morgan thinks you MUST be a “reasonable optimist” to get and stay rich   Exactly how Morgan spends, saves, and invests his own money   The real reason why most Americans will die without ever building wealth   The “competition” which is always looking to take your success from you   How to STOP being afraid of investing and start putting your future first  When to spend your wealth and why dying with riches isn’t the real goal  Financial regrets and mistakes of Morgan’s past, and advice for ANY investor  And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  Network with Other Investors on The Path to FIRE Through the BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Mindy on BiggerPockets  Scott on BiggePockets  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  The Simple Path to Wealth—Index Funds Explained with JL Collins  How to Get Rich Without Investing in Real Estate    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-510     Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email us: moneymoment@biggerpockets.com]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC2475377571.mp3" length="75932687" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[Morgan Housel’s ground-breaking book, The Psychology of Money, changed how many Americans thought about saving, spending, and investing. Through a collection of financial lessons, Morgan opened up new thought patterns for many of us, showcasing that getting rich isn’t as complicated as you might think, but staying rich can be the actual challenge. Now, this personal finance powerhouse is back with a new book, Same as Ever.  In Same as Ever, Morgan doubles down on what has, and most likely always will, work in the personal finance world. By showcasing some of the most commonly repeated financial events of the past, we can better shape our understanding of what will happen in the future and use history to our advantage to build even bigger wealth, enjoy our lives even more, and not repeat our past mistakes.  But this episode goes much deeper than that. We talk about why so many Americans will die without building wealth, why people are afraid to invest, when to spend your wealth once you’ve built it, and exactly how Morgan invests his own money. Plus, why getting rich isn’t your biggest concern—staying rich is.    In This Episode We Cover  Why Morgan thinks you MUST be a “reasonable optimist” to get and stay rich   Exactly how Morgan spends, saves, and invests his own money   The real reason why most Americans will die without ever building wealth   The “competition” which is always looking to take your success from you   How to STOP being afraid of investing and start putting your future first  When to spend your wealth and why dying with riches isn’t the real goal  Financial regrets and mistakes of Morgan’s past, and advice for ANY investor  And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  Network with Other Investors on The Path to FIRE Through the BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Mindy on BiggerPockets  Scott on BiggePockets  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  The Simple Path to Wealth—Index Funds Explained with JL Collins  How to Get Rich Without Investing in Real Estate    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-510     Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email us: moneymoment@biggerpockets.com]]></itunes:summary>
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	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[Morgan Housel’s ground-breaking book, The Psychology of Money, changed how many Americans thought about saving, spending, and investing. Through a collection of financial lessons, Morgan opened up new thought patterns for many of us, showcasing that getting rich isn’t as complicated as you might think, but staying rich can be the actual challenge. Now, this personal finance powerhouse is back with a new book, Same as Ever.  In Same as Ever, Morgan doubles down on what has, and most likely always will, work in the personal finance world. By showcasing some of the most commonly repeated financial events of the past, we can better shape our understanding of what will happen in the future and use history to our advantage to build even bigger wealth, enjoy our lives even more, and not repeat our past mistakes.  But this episode goes much deeper than that. We talk about why so many Americans will die without building wealth, why people are afraid to invest, when to spend your wealth once yo]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
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<item>
	<title>509: How to Build, Grow, Scale, and SELL Your Online Business</title>
	<link>https://biggerpocketsmoney.com/podcast/509-how-to-build-grow-scale-and-sell-your-online-business/</link>
	<pubDate>Fri, 08 Mar 2024 07:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
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	<description><![CDATA[If you want to make money online in 2024, good news: it’s easier than ever! Just ask today’s guest, who had to bootstrap his online business before you could launch a business with little to no startup costs. If you have an entrepreneurial spirit and need a little inspiration to get your next business idea rolling, this episode is for you!  Welcome back to the BiggerPockets Money podcast! Today, we’re joined by serial entrepreneur Omar Zenhom from The $100 MBA Show. For many years, Omar worked as a full-time educator while nurturing his fledgling businesseson the side. Naturally, many of them didn’t work out. But rather than letting these failures deter him from entrepreneurship, Omar applied each new lesson to his next business venture. Eventually, he struck gold with WebinarNinja, a software company he scaled to 30,000 users before selling his business and enjoying the spoils.  Want to achieve financial freedom without being reliant on your W2 job? Stick around to learn the ins and outs of building a business from the ground up—saving money to get started, leveraging your network to scale the business, and ultimately, selling your company for a huge profit!    In This Episode We Cover  How Omar built, scaled, and SOLD a multimillion-dollar SaaS (software as a service) company  How to start your own online business from square one  Why teaching is the ultimate skill you NEED to develop for business  The pros and cons of bootstrapping versus raising capital  Leveraging your network to help grow and scale your company  Preparing to sell your business (and how to exit successfully!)  And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  Network with Other Investors on The Path to FIRE Through the BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Mindy on BiggerPockets  Scott on BiggePockets  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  The Digital Nomad’s Guide to High-Income Skills and Making Money Online  Humphrey Yang: How to Save $100, Quit Your Job, and Build a Business  How I Turned My Tiny Side Hustle into a Multi-Million Dollar Business    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-509     Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email us: moneymoment@biggerpockets.com]]></description>
	<itunes:subtitle><![CDATA[If you want to make money online in 2024, good news: it’s easier than ever! Just ask today’s guest, who had to bootstrap his online business before you could launch a business with little to no startup costs. If you have an entrepreneurial spirit and nee]]></itunes:subtitle>
	<content:encoded><![CDATA[If you want to make money online in 2024, good news: it’s easier than ever! Just ask today’s guest, who had to bootstrap his online business before you could launch a business with little to no startup costs. If you have an entrepreneurial spirit and need a little inspiration to get your next business idea rolling, this episode is for you!  Welcome back to the BiggerPockets Money podcast! Today, we’re joined by serial entrepreneur Omar Zenhom from The $100 MBA Show. For many years, Omar worked as a full-time educator while nurturing his fledgling businesseson the side. Naturally, many of them didn’t work out. But rather than letting these failures deter him from entrepreneurship, Omar applied each new lesson to his next business venture. Eventually, he struck gold with WebinarNinja, a software company he scaled to 30,000 users before selling his business and enjoying the spoils.  Want to achieve financial freedom without being reliant on your W2 job? Stick around to learn the ins and outs of building a business from the ground up—saving money to get started, leveraging your network to scale the business, and ultimately, selling your company for a huge profit!    In This Episode We Cover  How Omar built, scaled, and SOLD a multimillion-dollar SaaS (software as a service) company  How to start your own online business from square one  Why teaching is the ultimate skill you NEED to develop for business  The pros and cons of bootstrapping versus raising capital  Leveraging your network to help grow and scale your company  Preparing to sell your business (and how to exit successfully!)  And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  Network with Other Investors on The Path to FIRE Through the BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Mindy on BiggerPockets  Scott on BiggePockets  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  The Digital Nomad’s Guide to High-Income Skills and Making Money Online  Humphrey Yang: How to Save $100, Quit Your Job, and Build a Business  How I Turned My Tiny Side Hustle into a Multi-Million Dollar Business    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-509     Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email us: moneymoment@biggerpockets.com]]></content:encoded>
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	<itunes:summary><![CDATA[If you want to make money online in 2024, good news: it’s easier than ever! Just ask today’s guest, who had to bootstrap his online business before you could launch a business with little to no startup costs. If you have an entrepreneurial spirit and need a little inspiration to get your next business idea rolling, this episode is for you!  Welcome back to the BiggerPockets Money podcast! Today, we’re joined by serial entrepreneur Omar Zenhom from The $100 MBA Show. For many years, Omar worked as a full-time educator while nurturing his fledgling businesseson the side. Naturally, many of them didn’t work out. But rather than letting these failures deter him from entrepreneurship, Omar applied each new lesson to his next business venture. Eventually, he struck gold with WebinarNinja, a software company he scaled to 30,000 users before selling his business and enjoying the spoils.  Want to achieve financial freedom without being reliant on your W2 job? Stick around to learn the ins and outs of building a business from the ground up—saving money to get started, leveraging your network to scale the business, and ultimately, selling your company for a huge profit!    In This Episode We Cover  How Omar built, scaled, and SOLD a multimillion-dollar SaaS (software as a service) company  How to start your own online business from square one  Why teaching is the ultimate skill you NEED to develop for business  The pros and cons of bootstrapping versus raising capital  Leveraging your network to help grow and scale your company  Preparing to sell your business (and how to exit successfully!)  And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  Network with Other Investors on The Path to FIRE Through the BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Mindy on BiggerPockets  Scott on BiggePockets  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  The Digital Nomad’s Guide to High-Income Skills and Making Money Online  Humphrey Yang: How to Save $100, Quit Your Job, and Build a Business  How I Turned My Tiny Side Hustle into a Multi-Million Dollar Business    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-509     Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email us: moneymoment@biggerpockets.com]]></itunes:summary>
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	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[If you want to make money online in 2024, good news: it’s easier than ever! Just ask today’s guest, who had to bootstrap his online business before you could launch a business with little to no startup costs. If you have an entrepreneurial spirit and need a little inspiration to get your next business idea rolling, this episode is for you!  Welcome back to the BiggerPockets Money podcast! Today, we’re joined by serial entrepreneur Omar Zenhom from The $100 MBA Show. For many years, Omar worked as a full-time educator while nurturing his fledgling businesseson the side. Naturally, many of them didn’t work out. But rather than letting these failures deter him from entrepreneurship, Omar applied each new lesson to his next business venture. Eventually, he struck gold with WebinarNinja, a software company he scaled to 30,000 users before selling his business and enjoying the spoils.  Want to achieve financial freedom without being reliant on your W2 job? Stick around to learn the ins and ]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
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<item>
	<title>508: Budgeting Tips for Families Living on ONE Income</title>
	<link>https://biggerpocketsmoney.com/podcast/508-budgeting-tips-for-families-living-on-one-income/</link>
	<pubDate>Tue, 05 Mar 2024 07:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
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	<description><![CDATA[Can you really be a one-income family in 2024? Not if you don’t know how to budget! To achieve her money goalswhile living on a single middle-class income, Emy knew she had to take control of her finances and seize any opportunity to save money. Single or married, you’ll learn to do the same in this episode! Welcome back to the BiggerPockets Money podcast! Today, we’re chatting with budgeting [&#8230;]]]></description>
	<itunes:subtitle><![CDATA[Can you really be a one-income family in 2024? Not if you don’t know how to budget! To achieve her money goalswhile living on a single middle-class income, Emy knew she had to take control of her finances and seize any opportunity to save money. Single o]]></itunes:subtitle>
	<content:encoded><![CDATA[Can you really be a one-income family in 2024? Not if you don’t know how to budget! To achieve her money goalswhile living on a single middle-class income, Emy knew she had to take control of her finances and seize any opportunity to save money. Single or married, you’ll learn to do the same in this episode! Welcome back to the BiggerPockets Money podcast! Today, we’re chatting with budgeting [&#8230;]]]></content:encoded>
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	<itunes:summary><![CDATA[Can you really be a one-income family in 2024? Not if you don’t know how to budget! To achieve her money goalswhile living on a single middle-class income, Emy knew she had to take control of her finances and seize any opportunity to save money. Single or married, you’ll learn to do the same in this episode! Welcome back to the BiggerPockets Money podcast! Today, we’re chatting with budgeting [&#8230;]]]></itunes:summary>
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	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[Can you really be a one-income family in 2024? Not if you don’t know how to budget! To achieve her money goalswhile living on a single middle-class income, Emy knew she had to take control of her finances and seize any opportunity to save money. Single or married, you’ll learn to do the same in this episode! Welcome back to the BiggerPockets Money podcast! Today, we’re chatting with budgeting [&#8230;]]]></googleplay:description>
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<item>
	<title>507: The Path to Early FI, Transferring 401(k) Funds, &#038; Wiping Out Bad Car Debt</title>
	<link>https://biggerpocketsmoney.com/podcast/507-the-path-to-early-fi-transferring-401k-funds-wiping-out-bad-car-debt/</link>
	<pubDate>Fri, 01 Mar 2024 07:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
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	<description><![CDATA[Everyone wants to reach financial independence as soon as possible. But if you really want to get on the path to early FI, you’ve got to start making savvy money decisions TODAY. And we’ve got a few tips, tricks, and tools that will help you out!  Welcome back to the BiggerPockets Money podcast! In this episode, Mindy and Amanda Wolfe are fielding questions from the r/PersonalFinance subreddit and delivering their best money tips for scenarios that YOU could easily find yourself in. First, we get into 401(k) accounts and some of the different ways to transfer funds when you leave your employer. We also go over some of the different strategies for budgeting, investing, and saving money that will help you reach financial freedom early.  But that’s not all! If you live in an area with a competitive housing market, we discuss whether you should ever waive a home inspection to help sweeten your offer. We even talk about the idea of buying a house outright versus going the route of a traditional mortgage. Is a large car payment thwarting your path to financial freedom? Stay tuned for a few creative ways to get rid of that bad debt for good!    In This Episode We Cover  Tips and tricks to help you reach financial independence early  What to do with a 401(k) account from a previous employer  Buying your home outright versus getting a traditional mortgage  Whether you should ever waive your home inspection when buying a house  Creative ways to eliminate car debt (and save thousands in the process!)  And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  Network with Other Investors on The Path to FIRE Through the BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Mindy on BiggerPockets  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Money Moment  Find an Investor-Friendly Agent in Your Area  Find Investor-Friendly Lenders  The Millionaire Fast-Track: How to Hit Financial Freedom Before 30  How to Pull Yourself Out of Car, Student, or Credit Card Debt  Fidelity Investments  She Wolf of Wall Street Website    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-507     Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email us: moneymoment@biggerpockets.com]]></description>
	<itunes:subtitle><![CDATA[Everyone wants to reach financial independence as soon as possible. But if you really want to get on the path to early FI, you’ve got to start making savvy money decisions TODAY. And we’ve got a few tips, tricks, and tools that will help you out!  Welcom]]></itunes:subtitle>
	<content:encoded><![CDATA[Everyone wants to reach financial independence as soon as possible. But if you really want to get on the path to early FI, you’ve got to start making savvy money decisions TODAY. And we’ve got a few tips, tricks, and tools that will help you out!  Welcome back to the BiggerPockets Money podcast! In this episode, Mindy and Amanda Wolfe are fielding questions from the r/PersonalFinance subreddit and delivering their best money tips for scenarios that YOU could easily find yourself in. First, we get into 401(k) accounts and some of the different ways to transfer funds when you leave your employer. We also go over some of the different strategies for budgeting, investing, and saving money that will help you reach financial freedom early.  But that’s not all! If you live in an area with a competitive housing market, we discuss whether you should ever waive a home inspection to help sweeten your offer. We even talk about the idea of buying a house outright versus going the route of a traditional mortgage. Is a large car payment thwarting your path to financial freedom? Stay tuned for a few creative ways to get rid of that bad debt for good!    In This Episode We Cover  Tips and tricks to help you reach financial independence early  What to do with a 401(k) account from a previous employer  Buying your home outright versus getting a traditional mortgage  Whether you should ever waive your home inspection when buying a house  Creative ways to eliminate car debt (and save thousands in the process!)  And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  Network with Other Investors on The Path to FIRE Through the BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Mindy on BiggerPockets  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Money Moment  Find an Investor-Friendly Agent in Your Area  Find Investor-Friendly Lenders  The Millionaire Fast-Track: How to Hit Financial Freedom Before 30  How to Pull Yourself Out of Car, Student, or Credit Card Debt  Fidelity Investments  She Wolf of Wall Street Website    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-507     Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email us: moneymoment@biggerpockets.com]]></content:encoded>
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	<itunes:summary><![CDATA[Everyone wants to reach financial independence as soon as possible. But if you really want to get on the path to early FI, you’ve got to start making savvy money decisions TODAY. And we’ve got a few tips, tricks, and tools that will help you out!  Welcome back to the BiggerPockets Money podcast! In this episode, Mindy and Amanda Wolfe are fielding questions from the r/PersonalFinance subreddit and delivering their best money tips for scenarios that YOU could easily find yourself in. First, we get into 401(k) accounts and some of the different ways to transfer funds when you leave your employer. We also go over some of the different strategies for budgeting, investing, and saving money that will help you reach financial freedom early.  But that’s not all! If you live in an area with a competitive housing market, we discuss whether you should ever waive a home inspection to help sweeten your offer. We even talk about the idea of buying a house outright versus going the route of a traditional mortgage. Is a large car payment thwarting your path to financial freedom? Stay tuned for a few creative ways to get rid of that bad debt for good!    In This Episode We Cover  Tips and tricks to help you reach financial independence early  What to do with a 401(k) account from a previous employer  Buying your home outright versus getting a traditional mortgage  Whether you should ever waive your home inspection when buying a house  Creative ways to eliminate car debt (and save thousands in the process!)  And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  Network with Other Investors on The Path to FIRE Through the BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Mindy on BiggerPockets  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Money Moment  Find an Investor-Friendly Agent in Your Area  Find Investor-Friendly Lenders  The Millionaire Fast-Track: How to Hit Financial Freedom Before 30  How to Pull Yourself Out of Car, Student, or Credit Card Debt  Fidelity Investments  She Wolf of Wall Street Website    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-507     Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email us: moneymoment@biggerpockets.com]]></itunes:summary>
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	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[Everyone wants to reach financial independence as soon as possible. But if you really want to get on the path to early FI, you’ve got to start making savvy money decisions TODAY. And we’ve got a few tips, tricks, and tools that will help you out!  Welcome back to the BiggerPockets Money podcast! In this episode, Mindy and Amanda Wolfe are fielding questions from the r/PersonalFinance subreddit and delivering their best money tips for scenarios that YOU could easily find yourself in. First, we get into 401(k) accounts and some of the different ways to transfer funds when you leave your employer. We also go over some of the different strategies for budgeting, investing, and saving money that will help you reach financial freedom early.  But that’s not all! If you live in an area with a competitive housing market, we discuss whether you should ever waive a home inspection to help sweeten your offer. We even talk about the idea of buying a house outright versus going the route of a tradit]]></googleplay:description>
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<item>
	<title>506: How to Use Your Money &#8220;Archetype&#8221; to Address Your Biggest Financial Burdens</title>
	<link>https://biggerpocketsmoney.com/podcast/506-how-to-use-your-money-archetype-to-address-your-biggest-financial-burdens/</link>
	<pubDate>Tue, 27 Feb 2024 07:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
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	<description><![CDATA[After tremendous research, the “MoneyType” quiz was finally released. All you need to do is answer some basic questions, and in a matter of minutes, you’ll know your biggest financial strengths and burdens, the money traps you could fall into, and how to use your own money “gift” to make your life, and your loved ones’ lives, even better. But before you write off the MoneyType quiz as just another personality test, we can tell you from personal experience it’s shockingly accurate.  And there’s no one better to talk about the MoneyType process than the co-founder of HerMoney and co-creator of the MoneyType personality quiz, Jean Chatzky. Jean’s team tested the MoneyType process on hundreds of people, uncovering the core personality traits that could make you a producer, visionary, nurturer, independent, or connoisseur, and what to do once you know what MoneyType you are.  In today’s show, Mindy and Scott share their results from the quiz as Jean walks through each of these financial archetypes in detail. You’ll learn what strengths each archetype has, the financial pitfalls they easily fall into, the gifts they can use to empower themselves and others, and the financial pleasures each type lives for. Plus, you can take the MoneyType quiz completely for free here!    In This Episode We Cover  The five financial archetypes and the pros, cons, and pitfalls of each of them  Mindy and Scott’s most prominent MoneyType (and how it led them to financial success)  The “sabotage” points of each personality that could lead to HUGE financial problems  Using your MoneyType to set up financial “guardrails” in your life and protect against your personality’s downsides   Using your MoneyType to understand your partner, family members, and friends more  Mindy’s two-percent MoneyType match that proves why it’s SO hard for her to spend money  And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  Network with Other Investors on The Path to FIRE Through the BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Mindy on BiggerPockets  Scott on BiggePockets  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Money Moment  Find an Investor-Friendly Agent in Your Area  Find Investor-Friendly Lenders  Take the Free MoneyType Quiz  Understanding How Your Personal Money Story Shapes Your Financial Future w/Jean Chatzky    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-506     Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email us: moneymoment@biggerpockets.com]]></description>
	<itunes:subtitle><![CDATA[After tremendous research, the “MoneyType” quiz was finally released. All you need to do is answer some basic questions, and in a matter of minutes, you’ll know your biggest financial strengths and burdens, the money traps you could fall into, and how to]]></itunes:subtitle>
	<content:encoded><![CDATA[After tremendous research, the “MoneyType” quiz was finally released. All you need to do is answer some basic questions, and in a matter of minutes, you’ll know your biggest financial strengths and burdens, the money traps you could fall into, and how to use your own money “gift” to make your life, and your loved ones’ lives, even better. But before you write off the MoneyType quiz as just another personality test, we can tell you from personal experience it’s shockingly accurate.  And there’s no one better to talk about the MoneyType process than the co-founder of HerMoney and co-creator of the MoneyType personality quiz, Jean Chatzky. Jean’s team tested the MoneyType process on hundreds of people, uncovering the core personality traits that could make you a producer, visionary, nurturer, independent, or connoisseur, and what to do once you know what MoneyType you are.  In today’s show, Mindy and Scott share their results from the quiz as Jean walks through each of these financial archetypes in detail. You’ll learn what strengths each archetype has, the financial pitfalls they easily fall into, the gifts they can use to empower themselves and others, and the financial pleasures each type lives for. Plus, you can take the MoneyType quiz completely for free here!    In This Episode We Cover  The five financial archetypes and the pros, cons, and pitfalls of each of them  Mindy and Scott’s most prominent MoneyType (and how it led them to financial success)  The “sabotage” points of each personality that could lead to HUGE financial problems  Using your MoneyType to set up financial “guardrails” in your life and protect against your personality’s downsides   Using your MoneyType to understand your partner, family members, and friends more  Mindy’s two-percent MoneyType match that proves why it’s SO hard for her to spend money  And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  Network with Other Investors on The Path to FIRE Through the BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Mindy on BiggerPockets  Scott on BiggePockets  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Money Moment  Find an Investor-Friendly Agent in Your Area  Find Investor-Friendly Lenders  Take the Free MoneyType Quiz  Understanding How Your Personal Money Story Shapes Your Financial Future w/Jean Chatzky    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-506     Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email us: moneymoment@biggerpockets.com]]></content:encoded>
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	<itunes:summary><![CDATA[After tremendous research, the “MoneyType” quiz was finally released. All you need to do is answer some basic questions, and in a matter of minutes, you’ll know your biggest financial strengths and burdens, the money traps you could fall into, and how to use your own money “gift” to make your life, and your loved ones’ lives, even better. But before you write off the MoneyType quiz as just another personality test, we can tell you from personal experience it’s shockingly accurate.  And there’s no one better to talk about the MoneyType process than the co-founder of HerMoney and co-creator of the MoneyType personality quiz, Jean Chatzky. Jean’s team tested the MoneyType process on hundreds of people, uncovering the core personality traits that could make you a producer, visionary, nurturer, independent, or connoisseur, and what to do once you know what MoneyType you are.  In today’s show, Mindy and Scott share their results from the quiz as Jean walks through each of these financial archetypes in detail. You’ll learn what strengths each archetype has, the financial pitfalls they easily fall into, the gifts they can use to empower themselves and others, and the financial pleasures each type lives for. Plus, you can take the MoneyType quiz completely for free here!    In This Episode We Cover  The five financial archetypes and the pros, cons, and pitfalls of each of them  Mindy and Scott’s most prominent MoneyType (and how it led them to financial success)  The “sabotage” points of each personality that could lead to HUGE financial problems  Using your MoneyType to set up financial “guardrails” in your life and protect against your personality’s downsides   Using your MoneyType to understand your partner, family members, and friends more  Mindy’s two-percent MoneyType match that proves why it’s SO hard for her to spend money  And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  Network with Other Investors on The Path to FIRE Through the BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Mindy on BiggerPockets  Scott on BiggePockets  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Money Moment  Find an Investor-Friendly Agent in Your Area  Find Investor-Friendly Lenders  Take the Free MoneyType Quiz  Understanding How Your Personal Money Story Shapes Your Financial Future w/Jean Chatzky    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-506     Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email us: moneymoment@biggerpockets.com]]></itunes:summary>
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	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[After tremendous research, the “MoneyType” quiz was finally released. All you need to do is answer some basic questions, and in a matter of minutes, you’ll know your biggest financial strengths and burdens, the money traps you could fall into, and how to use your own money “gift” to make your life, and your loved ones’ lives, even better. But before you write off the MoneyType quiz as just another personality test, we can tell you from personal experience it’s shockingly accurate.  And there’s no one better to talk about the MoneyType process than the co-founder of HerMoney and co-creator of the MoneyType personality quiz, Jean Chatzky. Jean’s team tested the MoneyType process on hundreds of people, uncovering the core personality traits that could make you a producer, visionary, nurturer, independent, or connoisseur, and what to do once you know what MoneyType you are.  In today’s show, Mindy and Scott share their results from the quiz as Jean walks through each of these financial ar]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
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<item>
	<title>505: Need a Financial Advisor? Start Here!</title>
	<link>https://biggerpocketsmoney.com/podcast/505-need-a-financial-advisor-start-here/</link>
	<pubDate>Fri, 23 Feb 2024 07:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">c08fa3bc-88fe-11ee-863c-13adac001fd9</guid>
	<description><![CDATA[Most financial advisors aren’t what they seem. They paint themselves as stewards of your financial security, carefully analyzing every investment they put your money into. But that’s far from the truth. Many financial advisors simply use you to make a quick buck, leaving you worse for wear when it comes to retirement. So, how do you find a financial advisor who will actually help you build wealth without filling their own pockets at your expense? We’re about to give you the roadmap to finding the perfect financial advisor.  We’re back with Jeremy Schneider, the bootstrapped founder who became an overnight millionaire thanks to a decade of tough decisions. This time, Jeremy shares about the world of financial advising, ranking the types of advisors from worst to best and sharing why that life insurance policy might be a BAD financial decision.  If you’re struggling to find financial advice from a neutral third party who truly wants the best for your finances, this is the episode to listen to. Jeremy talks about the two financial advisors to never trust, the costly difference between fee-based and fee-only advisors, the financial “meth” that could cost you in the long run, and exactly where to find a financial advisor that truly works for YOU.     In This Episode We Cover  The four types of financial advisors and the two you MUST stay away from  Fee-based vs. fee-only financial advisors and why you CANNOT afford to mix these up  The “whole life insurance” scam that’s trapping many Americans with false financial promises  The sneaky commissions financial advisors make that you have no idea about  One place you can go to find trusted financial advisors with NO strings attached  And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  Network with Other Investors on The Path to FIRE Through the BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Mindy on BiggerPockets  Scott on BiggePockets  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Money Moment  Find an Investor-Friendly Agent in Your Area  Find Investor-Friendly Lenders  Past Episodes Mentioned in Today’s Show:  Michael Kitces  A Purple Mom  Life Insurance (Joe Saul-Sehy)  Whole Life Insurance (The White Coat Investor)    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-505     Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email us: moneymoment@biggerpockets.com]]></description>
	<itunes:subtitle><![CDATA[Most financial advisors aren’t what they seem. They paint themselves as stewards of your financial security, carefully analyzing every investment they put your money into. But that’s far from the truth. Many financial advisors simply use you to make a qu]]></itunes:subtitle>
	<content:encoded><![CDATA[Most financial advisors aren’t what they seem. They paint themselves as stewards of your financial security, carefully analyzing every investment they put your money into. But that’s far from the truth. Many financial advisors simply use you to make a quick buck, leaving you worse for wear when it comes to retirement. So, how do you find a financial advisor who will actually help you build wealth without filling their own pockets at your expense? We’re about to give you the roadmap to finding the perfect financial advisor.  We’re back with Jeremy Schneider, the bootstrapped founder who became an overnight millionaire thanks to a decade of tough decisions. This time, Jeremy shares about the world of financial advising, ranking the types of advisors from worst to best and sharing why that life insurance policy might be a BAD financial decision.  If you’re struggling to find financial advice from a neutral third party who truly wants the best for your finances, this is the episode to listen to. Jeremy talks about the two financial advisors to never trust, the costly difference between fee-based and fee-only advisors, the financial “meth” that could cost you in the long run, and exactly where to find a financial advisor that truly works for YOU.     In This Episode We Cover  The four types of financial advisors and the two you MUST stay away from  Fee-based vs. fee-only financial advisors and why you CANNOT afford to mix these up  The “whole life insurance” scam that’s trapping many Americans with false financial promises  The sneaky commissions financial advisors make that you have no idea about  One place you can go to find trusted financial advisors with NO strings attached  And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  Network with Other Investors on The Path to FIRE Through the BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Mindy on BiggerPockets  Scott on BiggePockets  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Money Moment  Find an Investor-Friendly Agent in Your Area  Find Investor-Friendly Lenders  Past Episodes Mentioned in Today’s Show:  Michael Kitces  A Purple Mom  Life Insurance (Joe Saul-Sehy)  Whole Life Insurance (The White Coat Investor)    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-505     Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email us: moneymoment@biggerpockets.com]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC6224415756.mp3" length="27576275" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[Most financial advisors aren’t what they seem. They paint themselves as stewards of your financial security, carefully analyzing every investment they put your money into. But that’s far from the truth. Many financial advisors simply use you to make a quick buck, leaving you worse for wear when it comes to retirement. So, how do you find a financial advisor who will actually help you build wealth without filling their own pockets at your expense? We’re about to give you the roadmap to finding the perfect financial advisor.  We’re back with Jeremy Schneider, the bootstrapped founder who became an overnight millionaire thanks to a decade of tough decisions. This time, Jeremy shares about the world of financial advising, ranking the types of advisors from worst to best and sharing why that life insurance policy might be a BAD financial decision.  If you’re struggling to find financial advice from a neutral third party who truly wants the best for your finances, this is the episode to listen to. Jeremy talks about the two financial advisors to never trust, the costly difference between fee-based and fee-only advisors, the financial “meth” that could cost you in the long run, and exactly where to find a financial advisor that truly works for YOU.     In This Episode We Cover  The four types of financial advisors and the two you MUST stay away from  Fee-based vs. fee-only financial advisors and why you CANNOT afford to mix these up  The “whole life insurance” scam that’s trapping many Americans with false financial promises  The sneaky commissions financial advisors make that you have no idea about  One place you can go to find trusted financial advisors with NO strings attached  And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  Network with Other Investors on The Path to FIRE Through the BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Mindy on BiggerPockets  Scott on BiggePockets  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Money Moment  Find an Investor-Friendly Agent in Your Area  Find Investor-Friendly Lenders  Past Episodes Mentioned in Today’s Show:  Michael Kitces  A Purple Mom  Life Insurance (Joe Saul-Sehy)  Whole Life Insurance (The White Coat Investor)    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-505     Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email us: moneymoment@biggerpockets.com]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[Most financial advisors aren’t what they seem. They paint themselves as stewards of your financial security, carefully analyzing every investment they put your money into. But that’s far from the truth. Many financial advisors simply use you to make a quick buck, leaving you worse for wear when it comes to retirement. So, how do you find a financial advisor who will actually help you build wealth without filling their own pockets at your expense? We’re about to give you the roadmap to finding the perfect financial advisor.  We’re back with Jeremy Schneider, the bootstrapped founder who became an overnight millionaire thanks to a decade of tough decisions. This time, Jeremy shares about the world of financial advising, ranking the types of advisors from worst to best and sharing why that life insurance policy might be a BAD financial decision.  If you’re struggling to find financial advice from a neutral third party who truly wants the best for your finances, this is the episode to lis]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
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<item>
	<title>504: Early Retirement at 36 by Doing What EVERY Entrepreneur Should</title>
	<link>https://biggerpocketsmoney.com/podcast/504-early-retirement-at-36-by-doing-what-every-entrepreneur-should/</link>
	<pubDate>Tue, 20 Feb 2024 07:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">bee773be-88fe-11ee-863c-3fb6fb5c07f5</guid>
	<description><![CDATA[If you want to reach early retirement, especially in your thirties, you’ll need to take some big risks. Today’s guest turned down what would have been a dream salary to many people, choosing to work for himself while making close to a third as much as a job would have paid him. He put in the time and sweat, making just enough money to survive for over a decade, living as frugally as he could so he could roll everything back into his business. Then, overnight, he became a multimillionaire. And guess what? You can, too.  One day, at the age of thirty-four, Jeremy Schneider found himself $2,000,000 richer than he had been the day before. He had successfully sold a company he’d been building for a decade, making him, his family, and his employees wealthy in the process. Then, he did what every burnt-out founder does: travel the world, play volleyball and video games, and get some much-needed rest. But soon after, he decided to return to work, focusing on something much more important.  In this episode, Jeremy gives a masterclass on the right way to build your business, how to sell it for millions more than you were originally offered, and exactly what you should do with the money afterward to STAY financially free.    In This Episode We Cover  How to reach early retirement in your thirties by building (and selling) a business  When it makes sense to take a paycheck vs. bet on yourself   How companies are bought and sold and the negotiations behind closed doors  The MASSIVE amount of taxes Jeremy had to pay after selling his business  What Jeremy did with his $2,000,000 payday that set him up for life  And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  Network with Other Investors on The Path to FIRE Through the BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Mindy on BiggerPockets  Scott on BiggePockets  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Money Moment  Find an Investor-Friendly Agent in Your Area  Find Investor-Friendly Lenders  Past Episodes Mentioned in Today’s Show:  Michael Kitces  A Purple Mom  Life Insurance (Joe Saul-Sehy)  Whole Life Insurance (The White Coat Investor)  Lump Sum vs Dollar Cost Average Calculator  Grab the Book “Die with Zero”    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-504     Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email us: moneymoment@biggerpockets.com]]></description>
	<itunes:subtitle><![CDATA[If you want to reach early retirement, especially in your thirties, you’ll need to take some big risks. Today’s guest turned down what would have been a dream salary to many people, choosing to work for himself while making close to a third as much as a ]]></itunes:subtitle>
	<content:encoded><![CDATA[If you want to reach early retirement, especially in your thirties, you’ll need to take some big risks. Today’s guest turned down what would have been a dream salary to many people, choosing to work for himself while making close to a third as much as a job would have paid him. He put in the time and sweat, making just enough money to survive for over a decade, living as frugally as he could so he could roll everything back into his business. Then, overnight, he became a multimillionaire. And guess what? You can, too.  One day, at the age of thirty-four, Jeremy Schneider found himself $2,000,000 richer than he had been the day before. He had successfully sold a company he’d been building for a decade, making him, his family, and his employees wealthy in the process. Then, he did what every burnt-out founder does: travel the world, play volleyball and video games, and get some much-needed rest. But soon after, he decided to return to work, focusing on something much more important.  In this episode, Jeremy gives a masterclass on the right way to build your business, how to sell it for millions more than you were originally offered, and exactly what you should do with the money afterward to STAY financially free.    In This Episode We Cover  How to reach early retirement in your thirties by building (and selling) a business  When it makes sense to take a paycheck vs. bet on yourself   How companies are bought and sold and the negotiations behind closed doors  The MASSIVE amount of taxes Jeremy had to pay after selling his business  What Jeremy did with his $2,000,000 payday that set him up for life  And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  Network with Other Investors on The Path to FIRE Through the BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Mindy on BiggerPockets  Scott on BiggePockets  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Money Moment  Find an Investor-Friendly Agent in Your Area  Find Investor-Friendly Lenders  Past Episodes Mentioned in Today’s Show:  Michael Kitces  A Purple Mom  Life Insurance (Joe Saul-Sehy)  Whole Life Insurance (The White Coat Investor)  Lump Sum vs Dollar Cost Average Calculator  Grab the Book “Die with Zero”    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-504     Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email us: moneymoment@biggerpockets.com]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC3079206848.mp3" length="58420667" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[If you want to reach early retirement, especially in your thirties, you’ll need to take some big risks. Today’s guest turned down what would have been a dream salary to many people, choosing to work for himself while making close to a third as much as a job would have paid him. He put in the time and sweat, making just enough money to survive for over a decade, living as frugally as he could so he could roll everything back into his business. Then, overnight, he became a multimillionaire. And guess what? You can, too.  One day, at the age of thirty-four, Jeremy Schneider found himself $2,000,000 richer than he had been the day before. He had successfully sold a company he’d been building for a decade, making him, his family, and his employees wealthy in the process. Then, he did what every burnt-out founder does: travel the world, play volleyball and video games, and get some much-needed rest. But soon after, he decided to return to work, focusing on something much more important.  In this episode, Jeremy gives a masterclass on the right way to build your business, how to sell it for millions more than you were originally offered, and exactly what you should do with the money afterward to STAY financially free.    In This Episode We Cover  How to reach early retirement in your thirties by building (and selling) a business  When it makes sense to take a paycheck vs. bet on yourself   How companies are bought and sold and the negotiations behind closed doors  The MASSIVE amount of taxes Jeremy had to pay after selling his business  What Jeremy did with his $2,000,000 payday that set him up for life  And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  Network with Other Investors on The Path to FIRE Through the BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Mindy on BiggerPockets  Scott on BiggePockets  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Money Moment  Find an Investor-Friendly Agent in Your Area  Find Investor-Friendly Lenders  Past Episodes Mentioned in Today’s Show:  Michael Kitces  A Purple Mom  Life Insurance (Joe Saul-Sehy)  Whole Life Insurance (The White Coat Investor)  Lump Sum vs Dollar Cost Average Calculator  Grab the Book “Die with Zero”    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-504     Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email us: moneymoment@biggerpockets.com]]></itunes:summary>
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	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[If you want to reach early retirement, especially in your thirties, you’ll need to take some big risks. Today’s guest turned down what would have been a dream salary to many people, choosing to work for himself while making close to a third as much as a job would have paid him. He put in the time and sweat, making just enough money to survive for over a decade, living as frugally as he could so he could roll everything back into his business. Then, overnight, he became a multimillionaire. And guess what? You can, too.  One day, at the age of thirty-four, Jeremy Schneider found himself $2,000,000 richer than he had been the day before. He had successfully sold a company he’d been building for a decade, making him, his family, and his employees wealthy in the process. Then, he did what every burnt-out founder does: travel the world, play volleyball and video games, and get some much-needed rest. But soon after, he decided to return to work, focusing on something much more important.  In]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
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<item>
	<title>503: How to Keep MORE of Your Inheritance From the IRS (Avoid These Tax Mistakes!)</title>
	<link>https://biggerpocketsmoney.com/podcast/503-how-to-keep-more-of-your-inheritance-from-the-irs-avoid-these-tax-mistakes/</link>
	<pubDate>Fri, 16 Feb 2024 07:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
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	<description><![CDATA[With solid tax planning, receiving an inheritance could provide an enormous boost on your journey to financial freedom. One misstep, on the other hand, and you could be lining Uncle Sam’s pockets. Fortunately, we’ve brought on a tax professional to help you keep as much of your newfound money as possible.  There are two certainties in life: death and taxes. In this episode of the BiggerPockets Money podcast, we’re combining them. Sean Mullaney, The FI Tax Guy, returns to the show to lend his expertise on inherited investment accounts. Whether you’re the spouse, child, or sibling of a loved one who has recently passed, you’ll need a plan for managing these financial assets. Otherwise, a huge inheritance “tax bomb” could be waiting for you down the line!  Sean discusses the four “buckets” of assets you can inherit and the steps you should take in each scenario. You’ll also learn about the “step-up in basis” exemption that allows you to dodge capital gains tax on certain accounts, as well as when you might need to take required minimum distributions (RMD)—even if you’re far from retirement. Grab your pen and paper as we get into the nitty-gritty of inheriting wealth.    In This Episode We Cover  How to pay less tax on your inherited investment accounts  The four “buckets” of financial assets you might inherit  Navigating the “ten-year rule” and preventing a HUGE tax bill  Dodging capital gains tax with the “step-up in basis” exemption  How to avoid early withdrawal penalties on spousal accounts  The “worst” account to leave for an heir (and what to do with it instead!)  How to pass a retirement account on to a spouse, child, or sibling  And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  Network with Other Investors on The Path to FIRE Through the BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Mindy on BiggerPockets  Scott on BiggePockets  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Money Moment  Find a Tax Professional Today  Estate Planning, Wills, and What to Do NOW to Protect Your Heirs  The Post-Passing Plan: 3 Steps to Protect Your Family’s Financial Future  Hear Our Last Epiosde with Sean  Grab Your Copy of “Die With Zero”    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-503     Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email us: moneymoment@biggerpockets.com]]></description>
	<itunes:subtitle><![CDATA[With solid tax planning, receiving an inheritance could provide an enormous boost on your journey to financial freedom. One misstep, on the other hand, and you could be lining Uncle Sam’s pockets. Fortunately, we’ve brought on a tax professional to help ]]></itunes:subtitle>
	<content:encoded><![CDATA[With solid tax planning, receiving an inheritance could provide an enormous boost on your journey to financial freedom. One misstep, on the other hand, and you could be lining Uncle Sam’s pockets. Fortunately, we’ve brought on a tax professional to help you keep as much of your newfound money as possible.  There are two certainties in life: death and taxes. In this episode of the BiggerPockets Money podcast, we’re combining them. Sean Mullaney, The FI Tax Guy, returns to the show to lend his expertise on inherited investment accounts. Whether you’re the spouse, child, or sibling of a loved one who has recently passed, you’ll need a plan for managing these financial assets. Otherwise, a huge inheritance “tax bomb” could be waiting for you down the line!  Sean discusses the four “buckets” of assets you can inherit and the steps you should take in each scenario. You’ll also learn about the “step-up in basis” exemption that allows you to dodge capital gains tax on certain accounts, as well as when you might need to take required minimum distributions (RMD)—even if you’re far from retirement. Grab your pen and paper as we get into the nitty-gritty of inheriting wealth.    In This Episode We Cover  How to pay less tax on your inherited investment accounts  The four “buckets” of financial assets you might inherit  Navigating the “ten-year rule” and preventing a HUGE tax bill  Dodging capital gains tax with the “step-up in basis” exemption  How to avoid early withdrawal penalties on spousal accounts  The “worst” account to leave for an heir (and what to do with it instead!)  How to pass a retirement account on to a spouse, child, or sibling  And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  Network with Other Investors on The Path to FIRE Through the BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Mindy on BiggerPockets  Scott on BiggePockets  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Money Moment  Find a Tax Professional Today  Estate Planning, Wills, and What to Do NOW to Protect Your Heirs  The Post-Passing Plan: 3 Steps to Protect Your Family’s Financial Future  Hear Our Last Epiosde with Sean  Grab Your Copy of “Die With Zero”    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-503     Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email us: moneymoment@biggerpockets.com]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC9465303874.mp3" length="64594623" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[With solid tax planning, receiving an inheritance could provide an enormous boost on your journey to financial freedom. One misstep, on the other hand, and you could be lining Uncle Sam’s pockets. Fortunately, we’ve brought on a tax professional to help you keep as much of your newfound money as possible.  There are two certainties in life: death and taxes. In this episode of the BiggerPockets Money podcast, we’re combining them. Sean Mullaney, The FI Tax Guy, returns to the show to lend his expertise on inherited investment accounts. Whether you’re the spouse, child, or sibling of a loved one who has recently passed, you’ll need a plan for managing these financial assets. Otherwise, a huge inheritance “tax bomb” could be waiting for you down the line!  Sean discusses the four “buckets” of assets you can inherit and the steps you should take in each scenario. You’ll also learn about the “step-up in basis” exemption that allows you to dodge capital gains tax on certain accounts, as well as when you might need to take required minimum distributions (RMD)—even if you’re far from retirement. Grab your pen and paper as we get into the nitty-gritty of inheriting wealth.    In This Episode We Cover  How to pay less tax on your inherited investment accounts  The four “buckets” of financial assets you might inherit  Navigating the “ten-year rule” and preventing a HUGE tax bill  Dodging capital gains tax with the “step-up in basis” exemption  How to avoid early withdrawal penalties on spousal accounts  The “worst” account to leave for an heir (and what to do with it instead!)  How to pass a retirement account on to a spouse, child, or sibling  And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  Network with Other Investors on The Path to FIRE Through the BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Mindy on BiggerPockets  Scott on BiggePockets  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Money Moment  Find a Tax Professional Today  Estate Planning, Wills, and What to Do NOW to Protect Your Heirs  The Post-Passing Plan: 3 Steps to Protect Your Family’s Financial Future  Hear Our Last Epiosde with Sean  Grab Your Copy of “Die With Zero”    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-503     Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email us: moneymoment@biggerpockets.com]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[With solid tax planning, receiving an inheritance could provide an enormous boost on your journey to financial freedom. One misstep, on the other hand, and you could be lining Uncle Sam’s pockets. Fortunately, we’ve brought on a tax professional to help you keep as much of your newfound money as possible.  There are two certainties in life: death and taxes. In this episode of the BiggerPockets Money podcast, we’re combining them. Sean Mullaney, The FI Tax Guy, returns to the show to lend his expertise on inherited investment accounts. Whether you’re the spouse, child, or sibling of a loved one who has recently passed, you’ll need a plan for managing these financial assets. Otherwise, a huge inheritance “tax bomb” could be waiting for you down the line!  Sean discusses the four “buckets” of assets you can inherit and the steps you should take in each scenario. You’ll also learn about the “step-up in basis” exemption that allows you to dodge capital gains tax on certain accounts, as wel]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
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<item>
	<title>502: The Money Apps, Habits, and Productivity Hacks That Helped Us Find FI</title>
	<link>https://biggerpocketsmoney.com/podcast/502-the-money-apps-habits-and-productivity-hacks-that-helped-us-find-fi/</link>
	<pubDate>Tue, 13 Feb 2024 07:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
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	<description><![CDATA[These personal finance apps, tools, products, and habits helped us reach financial independence, and they can do the same for you. If you’re on the road to FIRE or have finally made it to financial freedom, ANY of these tools can help you save, invest, and learn more along the way. But we’re not just sharing the FIRE toolkit we love; we’re also sharing the products we’re ditching, plus what we’re replacing them with for a brighter financial future!  If you’re already feeling lost with your financial New Year’s resolutions, worry not because these personal finance apps, tools, products, and habits are here to help! Mindy and Scott will walk through every tool they love, what they can live without, and what helped them reach financial independence. We’ll talk about budgeting and money management apps, goal-setting processes that’ll help you achieve even your wildest dreams, how to learn faster than ever, and the“life-changing” money products we would never replace.  If you’re in need of beefing up your arsenal of financial independence tools, this is the episode to tune into! Wondering where you can find links to all the products and services mentioned in today’s show? Just scroll down in the show notes!     In This Episode We Cover  Why you may want to try spending MORE (yes, MORE) in 2024 if you’re in THIS position  Indispensable personal finance tools that helped us reach financial freedom   Budgeting apps that we personally use to track our monthly spending  Mindy’s smart travel hack that’ll help you avoid productivity-killing jetlag  The one “journal” that changed Scott’s life forever (and where to find it)  How to learn faster than ever before and boost your reading speed significantly  The BIG investment Scott is ditching in 2024 and the “crash” on the horizon  And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  Network with Other Investors on The Path to FIRE Through the BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Mindy on BiggerPockets  Scott on BiggePockets  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Money Moment  Tools and Products From The Show:  Monarch Money  Stessa  Venmo  Ally Bank  Charles Schwab  Audible  Kindle Unlimited  Living Your Best Year Ever Journal  Google Keep  Empower Personal Wealth  The Harsh Reality Real Estate Syndicators (and Investors) Face in 2024    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-502     Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email us: moneymoment@biggerpockets.com]]></description>
	<itunes:subtitle><![CDATA[These personal finance apps, tools, products, and habits helped us reach financial independence, and they can do the same for you. If you’re on the road to FIRE or have finally made it to financial freedom, ANY of these tools can help you save, invest, a]]></itunes:subtitle>
	<content:encoded><![CDATA[These personal finance apps, tools, products, and habits helped us reach financial independence, and they can do the same for you. If you’re on the road to FIRE or have finally made it to financial freedom, ANY of these tools can help you save, invest, and learn more along the way. But we’re not just sharing the FIRE toolkit we love; we’re also sharing the products we’re ditching, plus what we’re replacing them with for a brighter financial future!  If you’re already feeling lost with your financial New Year’s resolutions, worry not because these personal finance apps, tools, products, and habits are here to help! Mindy and Scott will walk through every tool they love, what they can live without, and what helped them reach financial independence. We’ll talk about budgeting and money management apps, goal-setting processes that’ll help you achieve even your wildest dreams, how to learn faster than ever, and the“life-changing” money products we would never replace.  If you’re in need of beefing up your arsenal of financial independence tools, this is the episode to tune into! Wondering where you can find links to all the products and services mentioned in today’s show? Just scroll down in the show notes!     In This Episode We Cover  Why you may want to try spending MORE (yes, MORE) in 2024 if you’re in THIS position  Indispensable personal finance tools that helped us reach financial freedom   Budgeting apps that we personally use to track our monthly spending  Mindy’s smart travel hack that’ll help you avoid productivity-killing jetlag  The one “journal” that changed Scott’s life forever (and where to find it)  How to learn faster than ever before and boost your reading speed significantly  The BIG investment Scott is ditching in 2024 and the “crash” on the horizon  And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  Network with Other Investors on The Path to FIRE Through the BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Mindy on BiggerPockets  Scott on BiggePockets  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Money Moment  Tools and Products From The Show:  Monarch Money  Stessa  Venmo  Ally Bank  Charles Schwab  Audible  Kindle Unlimited  Living Your Best Year Ever Journal  Google Keep  Empower Personal Wealth  The Harsh Reality Real Estate Syndicators (and Investors) Face in 2024    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-502     Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email us: moneymoment@biggerpockets.com]]></content:encoded>
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	<itunes:summary><![CDATA[These personal finance apps, tools, products, and habits helped us reach financial independence, and they can do the same for you. If you’re on the road to FIRE or have finally made it to financial freedom, ANY of these tools can help you save, invest, and learn more along the way. But we’re not just sharing the FIRE toolkit we love; we’re also sharing the products we’re ditching, plus what we’re replacing them with for a brighter financial future!  If you’re already feeling lost with your financial New Year’s resolutions, worry not because these personal finance apps, tools, products, and habits are here to help! Mindy and Scott will walk through every tool they love, what they can live without, and what helped them reach financial independence. We’ll talk about budgeting and money management apps, goal-setting processes that’ll help you achieve even your wildest dreams, how to learn faster than ever, and the“life-changing” money products we would never replace.  If you’re in need of beefing up your arsenal of financial independence tools, this is the episode to tune into! Wondering where you can find links to all the products and services mentioned in today’s show? Just scroll down in the show notes!     In This Episode We Cover  Why you may want to try spending MORE (yes, MORE) in 2024 if you’re in THIS position  Indispensable personal finance tools that helped us reach financial freedom   Budgeting apps that we personally use to track our monthly spending  Mindy’s smart travel hack that’ll help you avoid productivity-killing jetlag  The one “journal” that changed Scott’s life forever (and where to find it)  How to learn faster than ever before and boost your reading speed significantly  The BIG investment Scott is ditching in 2024 and the “crash” on the horizon  And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  Network with Other Investors on The Path to FIRE Through the BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Mindy on BiggerPockets  Scott on BiggePockets  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Money Moment  Tools and Products From The Show:  Monarch Money  Stessa  Venmo  Ally Bank  Charles Schwab  Audible  Kindle Unlimited  Living Your Best Year Ever Journal  Google Keep  Empower Personal Wealth  The Harsh Reality Real Estate Syndicators (and Investors) Face in 2024    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-502     Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email us: moneymoment@biggerpockets.com]]></itunes:summary>
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	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[These personal finance apps, tools, products, and habits helped us reach financial independence, and they can do the same for you. If you’re on the road to FIRE or have finally made it to financial freedom, ANY of these tools can help you save, invest, and learn more along the way. But we’re not just sharing the FIRE toolkit we love; we’re also sharing the products we’re ditching, plus what we’re replacing them with for a brighter financial future!  If you’re already feeling lost with your financial New Year’s resolutions, worry not because these personal finance apps, tools, products, and habits are here to help! Mindy and Scott will walk through every tool they love, what they can live without, and what helped them reach financial independence. We’ll talk about budgeting and money management apps, goal-setting processes that’ll help you achieve even your wildest dreams, how to learn faster than ever, and the“life-changing” money products we would never replace.  If you’re in need of]]></googleplay:description>
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	<title>501: Finance Friday: When to STOP Investing and Start Saving Cash Instead</title>
	<link>https://biggerpocketsmoney.com/podcast/501-finance-friday-when-to-stop-investing-and-start-saving-cash-instead/</link>
	<pubDate>Fri, 09 Feb 2024 07:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
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	<description><![CDATA[Do you have a cash flow problem? You’re not alone! Dan invests in real estate, has a great W2 job, and maxes out his investment accounts. He wants to hit financial independence by forty, but his lack of cash is making things difficult. Something’s got to give, and Mindy and Scott are here to help!  Welcome back to the BiggerPockets Money podcast! Dan has done an amazing job investing for the future and house hacking throughout his 20s. But now he’s got a MAJOR problem on his hands. Although he and his wife earn around $200,000 per year, they have little to no cash available. With real estate debt, hospital bills, and new baby expenses, Dan is starting to feel the pressure. That extra cash he was able to accumulate only a few years ago? It’s not so easy to find anymore.  In this episode, Mindy and Scott take a deep dive into Dan’s finances to help solve his cash flow problem. Should he follow his real estate dream and pause his retirement account contributions or pivot to a job that will increase his income by another $50,000 per year? Stay tuned to find out!    In This Episode We Cover  Savvy ways to increase your cash flow without taking on more debt  Dan’s house hacking strategy that covers a HUGE chunk of his mortgage  Using a home equity line of credit (HELOC) to buy real estate  How to ask for a raise (and when to pivot to a higher-paying job)  Investing in real estate versus building up your retirement accounts  How Dan plans to reach $10,000/month in “passive” income by the age of forty  And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  Network with Other Investors on The Path to FIRE Through the BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Mindy on BiggerPockets  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Money Moment  Intentionally Choosing the Path to Financial Independence with Financial Mechanic  Systematically Increasing Income and Intentionally Decreasing Spending with A Purple Life  Breaking the Taboo of Talking About Money with Friends, Family, and Bosses  Hear Dan on the “Real Estate Rookie” Podcast    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-501     Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email us: moneymoment@biggerpockets.com]]></description>
	<itunes:subtitle><![CDATA[Do you have a cash flow problem? You’re not alone! Dan invests in real estate, has a great W2 job, and maxes out his investment accounts. He wants to hit financial independence by forty, but his lack of cash is making things difficult. Something’s got to]]></itunes:subtitle>
	<content:encoded><![CDATA[Do you have a cash flow problem? You’re not alone! Dan invests in real estate, has a great W2 job, and maxes out his investment accounts. He wants to hit financial independence by forty, but his lack of cash is making things difficult. Something’s got to give, and Mindy and Scott are here to help!  Welcome back to the BiggerPockets Money podcast! Dan has done an amazing job investing for the future and house hacking throughout his 20s. But now he’s got a MAJOR problem on his hands. Although he and his wife earn around $200,000 per year, they have little to no cash available. With real estate debt, hospital bills, and new baby expenses, Dan is starting to feel the pressure. That extra cash he was able to accumulate only a few years ago? It’s not so easy to find anymore.  In this episode, Mindy and Scott take a deep dive into Dan’s finances to help solve his cash flow problem. Should he follow his real estate dream and pause his retirement account contributions or pivot to a job that will increase his income by another $50,000 per year? Stay tuned to find out!    In This Episode We Cover  Savvy ways to increase your cash flow without taking on more debt  Dan’s house hacking strategy that covers a HUGE chunk of his mortgage  Using a home equity line of credit (HELOC) to buy real estate  How to ask for a raise (and when to pivot to a higher-paying job)  Investing in real estate versus building up your retirement accounts  How Dan plans to reach $10,000/month in “passive” income by the age of forty  And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  Network with Other Investors on The Path to FIRE Through the BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Mindy on BiggerPockets  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Money Moment  Intentionally Choosing the Path to Financial Independence with Financial Mechanic  Systematically Increasing Income and Intentionally Decreasing Spending with A Purple Life  Breaking the Taboo of Talking About Money with Friends, Family, and Bosses  Hear Dan on the “Real Estate Rookie” Podcast    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-501     Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email us: moneymoment@biggerpockets.com]]></content:encoded>
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	<itunes:summary><![CDATA[Do you have a cash flow problem? You’re not alone! Dan invests in real estate, has a great W2 job, and maxes out his investment accounts. He wants to hit financial independence by forty, but his lack of cash is making things difficult. Something’s got to give, and Mindy and Scott are here to help!  Welcome back to the BiggerPockets Money podcast! Dan has done an amazing job investing for the future and house hacking throughout his 20s. But now he’s got a MAJOR problem on his hands. Although he and his wife earn around $200,000 per year, they have little to no cash available. With real estate debt, hospital bills, and new baby expenses, Dan is starting to feel the pressure. That extra cash he was able to accumulate only a few years ago? It’s not so easy to find anymore.  In this episode, Mindy and Scott take a deep dive into Dan’s finances to help solve his cash flow problem. Should he follow his real estate dream and pause his retirement account contributions or pivot to a job that will increase his income by another $50,000 per year? Stay tuned to find out!    In This Episode We Cover  Savvy ways to increase your cash flow without taking on more debt  Dan’s house hacking strategy that covers a HUGE chunk of his mortgage  Using a home equity line of credit (HELOC) to buy real estate  How to ask for a raise (and when to pivot to a higher-paying job)  Investing in real estate versus building up your retirement accounts  How Dan plans to reach $10,000/month in “passive” income by the age of forty  And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  Network with Other Investors on The Path to FIRE Through the BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Mindy on BiggerPockets  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Money Moment  Intentionally Choosing the Path to Financial Independence with Financial Mechanic  Systematically Increasing Income and Intentionally Decreasing Spending with A Purple Life  Breaking the Taboo of Talking About Money with Friends, Family, and Bosses  Hear Dan on the “Real Estate Rookie” Podcast    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-501     Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email us: moneymoment@biggerpockets.com]]></itunes:summary>
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	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[Do you have a cash flow problem? You’re not alone! Dan invests in real estate, has a great W2 job, and maxes out his investment accounts. He wants to hit financial independence by forty, but his lack of cash is making things difficult. Something’s got to give, and Mindy and Scott are here to help!  Welcome back to the BiggerPockets Money podcast! Dan has done an amazing job investing for the future and house hacking throughout his 20s. But now he’s got a MAJOR problem on his hands. Although he and his wife earn around $200,000 per year, they have little to no cash available. With real estate debt, hospital bills, and new baby expenses, Dan is starting to feel the pressure. That extra cash he was able to accumulate only a few years ago? It’s not so easy to find anymore.  In this episode, Mindy and Scott take a deep dive into Dan’s finances to help solve his cash flow problem. Should he follow his real estate dream and pause his retirement account contributions or pivot to a job that wi]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
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	<title>500: FIRE Advice from Codie Sanchez, Ramit Sethi, Money with Katie, and More!</title>
	<link>https://biggerpocketsmoney.com/podcast/500-fire-advice-from-codie-sanchez-ramit-sethi-money-with-katie-and-more/</link>
	<pubDate>Tue, 06 Feb 2024 07:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
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	<description><![CDATA[After 500 BiggerPockets Money episodes, we’ve learned a thing or two about financial independence. But, for this special episode, we wanted to find some of the best advice we’ve ever received on the show—advice that changed our lives as much as it did yours. So, we’ve lined up a few of our favorite clips from the past 500 episodes with top-tier guests like Codie Sanchez, Ramit Sethi, and more. If you’re a new listener of BiggerPockets Money, this is just a TASTE of what you’ll hear on future episodes.  We’ll touch on a “financial awakening” one of our past guests had, finding that many of us live a “broken” life without even realizing it. Then, a spending hack that lets you live in frugal luxury while slashing your expenses. We talk abouthow to escape your nine-to-five and buy a business that helps you achieve true financial freedom. Finally, the “worry-free number” you MUST calculate unless you want to experience zero joy from all the wealth you’ve built. Hard-hitting stuff, right?  Thanks for sticking around with us for 500 episodes of the BiggerPockets Money show. We could not have made this podcast happen without you, and we’re looking forward to hearing from and potentially even featuring YOU on an upcoming episode!    In This Episode We Cover  The “little choices” you’re making that’s blowing your budget every single month  Why living for the weekend is killing your bank account and financial future  How to live a frugally luxurious life by buying what you truly WANT  The ten steps to buying a “boring business” that’ll replace your income   The “worry-free number” that removes the emotional weight of finances and lets you actually have fun with your money  What you can expect from the BiggerPockets Money podcast in 2024!  And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  Network with Other Investors on The Path to FIRE Through the BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Mindy on BiggerPockets  Mindy on Instagram  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Money Moment  Money with Katie’s Middle-Class Myths and The Great Roth vs. 401K Debate  Liz Frugalwoods: Designing a Frugal But Luxurious FI Life by Age 32  Codie Sanchez: These “Boring Businesses” Will Make You Rich  Ramit Sethi's Money Advice for Couples: Live a Rich Life, Together    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-500     Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email us: moneymoment@biggerpockets.com]]></description>
	<itunes:subtitle><![CDATA[After 500 BiggerPockets Money episodes, we’ve learned a thing or two about financial independence. But, for this special episode, we wanted to find some of the best advice we’ve ever received on the show—advice that changed our lives as much as it did yo]]></itunes:subtitle>
	<content:encoded><![CDATA[After 500 BiggerPockets Money episodes, we’ve learned a thing or two about financial independence. But, for this special episode, we wanted to find some of the best advice we’ve ever received on the show—advice that changed our lives as much as it did yours. So, we’ve lined up a few of our favorite clips from the past 500 episodes with top-tier guests like Codie Sanchez, Ramit Sethi, and more. If you’re a new listener of BiggerPockets Money, this is just a TASTE of what you’ll hear on future episodes.  We’ll touch on a “financial awakening” one of our past guests had, finding that many of us live a “broken” life without even realizing it. Then, a spending hack that lets you live in frugal luxury while slashing your expenses. We talk abouthow to escape your nine-to-five and buy a business that helps you achieve true financial freedom. Finally, the “worry-free number” you MUST calculate unless you want to experience zero joy from all the wealth you’ve built. Hard-hitting stuff, right?  Thanks for sticking around with us for 500 episodes of the BiggerPockets Money show. We could not have made this podcast happen without you, and we’re looking forward to hearing from and potentially even featuring YOU on an upcoming episode!    In This Episode We Cover  The “little choices” you’re making that’s blowing your budget every single month  Why living for the weekend is killing your bank account and financial future  How to live a frugally luxurious life by buying what you truly WANT  The ten steps to buying a “boring business” that’ll replace your income   The “worry-free number” that removes the emotional weight of finances and lets you actually have fun with your money  What you can expect from the BiggerPockets Money podcast in 2024!  And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  Network with Other Investors on The Path to FIRE Through the BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Mindy on BiggerPockets  Mindy on Instagram  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Money Moment  Money with Katie’s Middle-Class Myths and The Great Roth vs. 401K Debate  Liz Frugalwoods: Designing a Frugal But Luxurious FI Life by Age 32  Codie Sanchez: These “Boring Businesses” Will Make You Rich  Ramit Sethi's Money Advice for Couples: Live a Rich Life, Together    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-500     Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email us: moneymoment@biggerpockets.com]]></content:encoded>
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	<itunes:summary><![CDATA[After 500 BiggerPockets Money episodes, we’ve learned a thing or two about financial independence. But, for this special episode, we wanted to find some of the best advice we’ve ever received on the show—advice that changed our lives as much as it did yours. So, we’ve lined up a few of our favorite clips from the past 500 episodes with top-tier guests like Codie Sanchez, Ramit Sethi, and more. If you’re a new listener of BiggerPockets Money, this is just a TASTE of what you’ll hear on future episodes.  We’ll touch on a “financial awakening” one of our past guests had, finding that many of us live a “broken” life without even realizing it. Then, a spending hack that lets you live in frugal luxury while slashing your expenses. We talk abouthow to escape your nine-to-five and buy a business that helps you achieve true financial freedom. Finally, the “worry-free number” you MUST calculate unless you want to experience zero joy from all the wealth you’ve built. Hard-hitting stuff, right?  Thanks for sticking around with us for 500 episodes of the BiggerPockets Money show. We could not have made this podcast happen without you, and we’re looking forward to hearing from and potentially even featuring YOU on an upcoming episode!    In This Episode We Cover  The “little choices” you’re making that’s blowing your budget every single month  Why living for the weekend is killing your bank account and financial future  How to live a frugally luxurious life by buying what you truly WANT  The ten steps to buying a “boring business” that’ll replace your income   The “worry-free number” that removes the emotional weight of finances and lets you actually have fun with your money  What you can expect from the BiggerPockets Money podcast in 2024!  And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  Network with Other Investors on The Path to FIRE Through the BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Mindy on BiggerPockets  Mindy on Instagram  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Money Moment  Money with Katie’s Middle-Class Myths and The Great Roth vs. 401K Debate  Liz Frugalwoods: Designing a Frugal But Luxurious FI Life by Age 32  Codie Sanchez: These “Boring Businesses” Will Make You Rich  Ramit Sethi's Money Advice for Couples: Live a Rich Life, Together    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-500     Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email us: moneymoment@biggerpockets.com]]></itunes:summary>
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	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[After 500 BiggerPockets Money episodes, we’ve learned a thing or two about financial independence. But, for this special episode, we wanted to find some of the best advice we’ve ever received on the show—advice that changed our lives as much as it did yours. So, we’ve lined up a few of our favorite clips from the past 500 episodes with top-tier guests like Codie Sanchez, Ramit Sethi, and more. If you’re a new listener of BiggerPockets Money, this is just a TASTE of what you’ll hear on future episodes.  We’ll touch on a “financial awakening” one of our past guests had, finding that many of us live a “broken” life without even realizing it. Then, a spending hack that lets you live in frugal luxury while slashing your expenses. We talk abouthow to escape your nine-to-five and buy a business that helps you achieve true financial freedom. Finally, the “worry-free number” you MUST calculate unless you want to experience zero joy from all the wealth you’ve built. Hard-hitting stuff, right?  ]]></googleplay:description>
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	<title>499: How to Make Money as an Artist</title>
	<link>https://biggerpocketsmoney.com/podcast/499-how-to-make-money-as-an-artist/</link>
	<pubDate>Fri, 02 Feb 2024 07:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
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	<description><![CDATA[Most people pursuing financial independence own businesses or have stable jobs, working as hard as they can to make any extra dollar, throwing their money into the stock market or real estate, and betting on the economy to take them to higher and higher levels of wealth. But what about those who AREN’T chasing every dollar or dedicating their lives to the pursuit of passive income? Can creatives, musicians, writers, or anyone wondering how to make money as an artist still find FIRE?  Today, we’re talking to Paco de Leon, business owner, musician, podcast host, and author of Finance for the People: Getting a Grip on Your Finances. Paco’s world involves working with other creatives who rarely speak or think about money, helping them link their creative work with cash flow so they can continue doing what they love while building wealth for the future.  Paco knows the system we live in isn’t perfect but recognizes that simply not participating isn’t an option. So, she serves as a voice for those who want to make a difference in the world, go against the grain, or care more about people than profit. In today’s episode, she’ll share the common money mistakes most creatives make that end up hurting them in the long run and why making money and building wealth is something ANYONE can accomplish, no matter your life’s passion!    In This Episode We Cover  Common money problems for creatives and how to build wealth without selling out  The two ways you’ll get rich and how you can “create” your own financial independence   Why your good “idea” isn’t enough, and what you MUST do to make money off of it  Living in an imperfect world and the “dark side” of capitalism many people ignore  Why making money and making art are NOT mutually exclusive (and how to do both!)  And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  Network with Other Investors on The Path to FIRE Through the BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Mindy on BiggerPockets  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Money Moment  Codie Sanchez: These “Boring Businesses” Will Make You Rich  Alex Hormozi on The “Weak Links” That Will Make Anyone a Millionaire  What Playing in a Band Taught Me About Making Money]]></description>
	<itunes:subtitle><![CDATA[Most people pursuing financial independence own businesses or have stable jobs, working as hard as they can to make any extra dollar, throwing their money into the stock market or real estate, and betting on the economy to take them to higher and higher ]]></itunes:subtitle>
	<content:encoded><![CDATA[Most people pursuing financial independence own businesses or have stable jobs, working as hard as they can to make any extra dollar, throwing their money into the stock market or real estate, and betting on the economy to take them to higher and higher levels of wealth. But what about those who AREN’T chasing every dollar or dedicating their lives to the pursuit of passive income? Can creatives, musicians, writers, or anyone wondering how to make money as an artist still find FIRE?  Today, we’re talking to Paco de Leon, business owner, musician, podcast host, and author of Finance for the People: Getting a Grip on Your Finances. Paco’s world involves working with other creatives who rarely speak or think about money, helping them link their creative work with cash flow so they can continue doing what they love while building wealth for the future.  Paco knows the system we live in isn’t perfect but recognizes that simply not participating isn’t an option. So, she serves as a voice for those who want to make a difference in the world, go against the grain, or care more about people than profit. In today’s episode, she’ll share the common money mistakes most creatives make that end up hurting them in the long run and why making money and building wealth is something ANYONE can accomplish, no matter your life’s passion!    In This Episode We Cover  Common money problems for creatives and how to build wealth without selling out  The two ways you’ll get rich and how you can “create” your own financial independence   Why your good “idea” isn’t enough, and what you MUST do to make money off of it  Living in an imperfect world and the “dark side” of capitalism many people ignore  Why making money and making art are NOT mutually exclusive (and how to do both!)  And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  Network with Other Investors on The Path to FIRE Through the BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Mindy on BiggerPockets  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Money Moment  Codie Sanchez: These “Boring Businesses” Will Make You Rich  Alex Hormozi on The “Weak Links” That Will Make Anyone a Millionaire  What Playing in a Band Taught Me About Making Money]]></content:encoded>
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	<itunes:summary><![CDATA[Most people pursuing financial independence own businesses or have stable jobs, working as hard as they can to make any extra dollar, throwing their money into the stock market or real estate, and betting on the economy to take them to higher and higher levels of wealth. But what about those who AREN’T chasing every dollar or dedicating their lives to the pursuit of passive income? Can creatives, musicians, writers, or anyone wondering how to make money as an artist still find FIRE?  Today, we’re talking to Paco de Leon, business owner, musician, podcast host, and author of Finance for the People: Getting a Grip on Your Finances. Paco’s world involves working with other creatives who rarely speak or think about money, helping them link their creative work with cash flow so they can continue doing what they love while building wealth for the future.  Paco knows the system we live in isn’t perfect but recognizes that simply not participating isn’t an option. So, she serves as a voice for those who want to make a difference in the world, go against the grain, or care more about people than profit. In today’s episode, she’ll share the common money mistakes most creatives make that end up hurting them in the long run and why making money and building wealth is something ANYONE can accomplish, no matter your life’s passion!    In This Episode We Cover  Common money problems for creatives and how to build wealth without selling out  The two ways you’ll get rich and how you can “create” your own financial independence   Why your good “idea” isn’t enough, and what you MUST do to make money off of it  Living in an imperfect world and the “dark side” of capitalism many people ignore  Why making money and making art are NOT mutually exclusive (and how to do both!)  And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  Network with Other Investors on The Path to FIRE Through the BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Mindy on BiggerPockets  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Money Moment  Codie Sanchez: These “Boring Businesses” Will Make You Rich  Alex Hormozi on The “Weak Links” That Will Make Anyone a Millionaire  What Playing in a Band Taught Me About Making Money]]></itunes:summary>
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	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[Most people pursuing financial independence own businesses or have stable jobs, working as hard as they can to make any extra dollar, throwing their money into the stock market or real estate, and betting on the economy to take them to higher and higher levels of wealth. But what about those who AREN’T chasing every dollar or dedicating their lives to the pursuit of passive income? Can creatives, musicians, writers, or anyone wondering how to make money as an artist still find FIRE?  Today, we’re talking to Paco de Leon, business owner, musician, podcast host, and author of Finance for the People: Getting a Grip on Your Finances. Paco’s world involves working with other creatives who rarely speak or think about money, helping them link their creative work with cash flow so they can continue doing what they love while building wealth for the future.  Paco knows the system we live in isn’t perfect but recognizes that simply not participating isn’t an option. So, she serves as a voice fo]]></googleplay:description>
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<item>
	<title>498: Paying Off $118K of Debt in 2 Years and Buying Real Estate (16 Units!)</title>
	<link>https://biggerpocketsmoney.com/podcast/498-paying-off-118k-of-debt-in-2-years-and-buying-real-estate-16-units/</link>
	<pubDate>Tue, 30 Jan 2024 07:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">7640bc74-88fe-11ee-8442-9bc087f3c421</guid>
	<description><![CDATA[Real estate investing is a popular path to financial freedom, but if you’re not careful, bad debt can get in the way. Before today’s guest could buy rental properties, she had to deal with the mountain of debt that stood between her and wealth. But thanks to aggressive saving and new money habits, she became debt-free in just TWO years!  Sarah King has been thrown several curveballs on her journey to financial independence. Just when she had managed to pay off $118,000 of debt and buy five properties, her marriage ended in a nasty divorce. Forced to liquidate her and her husband’s assets, Sarah was back at square one. Rather than giving up on her dream of reaching FIRE, she overcame her shaky financial situation and found creative ways to buy real estate. Within a few months, she was back on her feet, and today, she owns sixteen units across ten properties!  In this episode, Sarah offers some crucial advice for aspiring investors—including why you should get your financial house in order before buying properties, how to leverage your retirement accounts to buy more properties, and how to use private money (responsibly). You’ll even learn about house hacking—the real estate investing strategy Sarah uses to cover her mortgage payment each month!    In This Episode We Cover  How to reach financial freedom by investing in real estate  The three areas of your finances that will help you build wealth faster  How to pay off BAD debt as quickly as possible  Why you MUST get your financial house in order before buying properties  How to use private money to buy MORE real estate  Covering your mortgage payment with the house hacking strategy  And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  Network with Other Investors on The Path to FIRE Through the BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Mindy on BiggerPockets  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Money Moment  From Toxic-Marriage to Financially Independent Mom with 13 Units  How to Achieve Financial Freedom Through Real Estate in 4 Steps    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-498     Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email us: moneymoment@biggerpockets.com]]></description>
	<itunes:subtitle><![CDATA[Real estate investing is a popular path to financial freedom, but if you’re not careful, bad debt can get in the way. Before today’s guest could buy rental properties, she had to deal with the mountain of debt that stood between her and wealth. But thank]]></itunes:subtitle>
	<content:encoded><![CDATA[Real estate investing is a popular path to financial freedom, but if you’re not careful, bad debt can get in the way. Before today’s guest could buy rental properties, she had to deal with the mountain of debt that stood between her and wealth. But thanks to aggressive saving and new money habits, she became debt-free in just TWO years!  Sarah King has been thrown several curveballs on her journey to financial independence. Just when she had managed to pay off $118,000 of debt and buy five properties, her marriage ended in a nasty divorce. Forced to liquidate her and her husband’s assets, Sarah was back at square one. Rather than giving up on her dream of reaching FIRE, she overcame her shaky financial situation and found creative ways to buy real estate. Within a few months, she was back on her feet, and today, she owns sixteen units across ten properties!  In this episode, Sarah offers some crucial advice for aspiring investors—including why you should get your financial house in order before buying properties, how to leverage your retirement accounts to buy more properties, and how to use private money (responsibly). You’ll even learn about house hacking—the real estate investing strategy Sarah uses to cover her mortgage payment each month!    In This Episode We Cover  How to reach financial freedom by investing in real estate  The three areas of your finances that will help you build wealth faster  How to pay off BAD debt as quickly as possible  Why you MUST get your financial house in order before buying properties  How to use private money to buy MORE real estate  Covering your mortgage payment with the house hacking strategy  And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  Network with Other Investors on The Path to FIRE Through the BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Mindy on BiggerPockets  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Money Moment  From Toxic-Marriage to Financially Independent Mom with 13 Units  How to Achieve Financial Freedom Through Real Estate in 4 Steps    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-498     Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email us: moneymoment@biggerpockets.com]]></content:encoded>
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	<itunes:summary><![CDATA[Real estate investing is a popular path to financial freedom, but if you’re not careful, bad debt can get in the way. Before today’s guest could buy rental properties, she had to deal with the mountain of debt that stood between her and wealth. But thanks to aggressive saving and new money habits, she became debt-free in just TWO years!  Sarah King has been thrown several curveballs on her journey to financial independence. Just when she had managed to pay off $118,000 of debt and buy five properties, her marriage ended in a nasty divorce. Forced to liquidate her and her husband’s assets, Sarah was back at square one. Rather than giving up on her dream of reaching FIRE, she overcame her shaky financial situation and found creative ways to buy real estate. Within a few months, she was back on her feet, and today, she owns sixteen units across ten properties!  In this episode, Sarah offers some crucial advice for aspiring investors—including why you should get your financial house in order before buying properties, how to leverage your retirement accounts to buy more properties, and how to use private money (responsibly). You’ll even learn about house hacking—the real estate investing strategy Sarah uses to cover her mortgage payment each month!    In This Episode We Cover  How to reach financial freedom by investing in real estate  The three areas of your finances that will help you build wealth faster  How to pay off BAD debt as quickly as possible  Why you MUST get your financial house in order before buying properties  How to use private money to buy MORE real estate  Covering your mortgage payment with the house hacking strategy  And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  Network with Other Investors on The Path to FIRE Through the BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Mindy on BiggerPockets  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Money Moment  From Toxic-Marriage to Financially Independent Mom with 13 Units  How to Achieve Financial Freedom Through Real Estate in 4 Steps    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-498     Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email us: moneymoment@biggerpockets.com]]></itunes:summary>
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	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[Real estate investing is a popular path to financial freedom, but if you’re not careful, bad debt can get in the way. Before today’s guest could buy rental properties, she had to deal with the mountain of debt that stood between her and wealth. But thanks to aggressive saving and new money habits, she became debt-free in just TWO years!  Sarah King has been thrown several curveballs on her journey to financial independence. Just when she had managed to pay off $118,000 of debt and buy five properties, her marriage ended in a nasty divorce. Forced to liquidate her and her husband’s assets, Sarah was back at square one. Rather than giving up on her dream of reaching FIRE, she overcame her shaky financial situation and found creative ways to buy real estate. Within a few months, she was back on her feet, and today, she owns sixteen units across ten properties!  In this episode, Sarah offers some crucial advice for aspiring investors—including why you should get your financial house in or]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
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<item>
	<title>497: Persuasion Secrets and Predatory Practices Businesses Use on YOU</title>
	<link>https://biggerpocketsmoney.com/podcast/497-persuasion-secrets-and-predatory-practices-businesses-use-on-you/</link>
	<pubDate>Fri, 26 Jan 2024 07:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">77b344be-88fe-11ee-8442-0bb0415ff066</guid>
	<description><![CDATA[By the time you finish this episode, you’ll be ten thousand dollars richer. Just read this testimonial from a recent BiggerPockets Money listener, “I’m so rich now, I have no idea what to spend all my money on. And all it took was listening to this episode.” But act fast because, in five minutes, this episode WON’T be available anymore.  None of the above is true. But you probably caught on to a few of the psychological tricks many marketers use to push you into purchasing, even when you’re not ready to. And with so much mentoring, online course-selling, guru-ing, and get-rich-quick promising, it’s hard NOT to fall into these traps. How do you know who actually wants to help you and who’s just waiting to grab onto your wallet?  Tarzan Kay has spent years using persuasion-first business tactics to prompt potential customers into purchasing, building a seven-figure income stream in the process. It wasn’t until she realized that these tactics did more harm than help that she decided to burn down the business she had built. Now, she’s sharing all the persuasion secrets marketers are using on YOU and teaching you how to build a business the better way.    In This Episode We Cover  The “principles of persuasion” businesses use to trick you into buying  Common predatory practices online gurus and mentors commonly use  HUGE red flags to watch out for before you buy ANY online course  How to ensure your business NEVER tricks potential customers into buying   Vetting your own clients and customers BEFORE they have the chance to pay you  And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  Network with Other Investors on The Path to FIRE Through the BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Mindy on BiggerPockets  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Money Moment  Warning: Why You Shouldn’t Buy What the Gurus Are Selling    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-497     Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email us: moneymoment@biggerpockets.com]]></description>
	<itunes:subtitle><![CDATA[By the time you finish this episode, you’ll be ten thousand dollars richer. Just read this testimonial from a recent BiggerPockets Money listener, “I’m so rich now, I have no idea what to spend all my money on. And all it took was listening to this episo]]></itunes:subtitle>
	<content:encoded><![CDATA[By the time you finish this episode, you’ll be ten thousand dollars richer. Just read this testimonial from a recent BiggerPockets Money listener, “I’m so rich now, I have no idea what to spend all my money on. And all it took was listening to this episode.” But act fast because, in five minutes, this episode WON’T be available anymore.  None of the above is true. But you probably caught on to a few of the psychological tricks many marketers use to push you into purchasing, even when you’re not ready to. And with so much mentoring, online course-selling, guru-ing, and get-rich-quick promising, it’s hard NOT to fall into these traps. How do you know who actually wants to help you and who’s just waiting to grab onto your wallet?  Tarzan Kay has spent years using persuasion-first business tactics to prompt potential customers into purchasing, building a seven-figure income stream in the process. It wasn’t until she realized that these tactics did more harm than help that she decided to burn down the business she had built. Now, she’s sharing all the persuasion secrets marketers are using on YOU and teaching you how to build a business the better way.    In This Episode We Cover  The “principles of persuasion” businesses use to trick you into buying  Common predatory practices online gurus and mentors commonly use  HUGE red flags to watch out for before you buy ANY online course  How to ensure your business NEVER tricks potential customers into buying   Vetting your own clients and customers BEFORE they have the chance to pay you  And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  Network with Other Investors on The Path to FIRE Through the BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Mindy on BiggerPockets  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Money Moment  Warning: Why You Shouldn’t Buy What the Gurus Are Selling    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-497     Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email us: moneymoment@biggerpockets.com]]></content:encoded>
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	<itunes:summary><![CDATA[By the time you finish this episode, you’ll be ten thousand dollars richer. Just read this testimonial from a recent BiggerPockets Money listener, “I’m so rich now, I have no idea what to spend all my money on. And all it took was listening to this episode.” But act fast because, in five minutes, this episode WON’T be available anymore.  None of the above is true. But you probably caught on to a few of the psychological tricks many marketers use to push you into purchasing, even when you’re not ready to. And with so much mentoring, online course-selling, guru-ing, and get-rich-quick promising, it’s hard NOT to fall into these traps. How do you know who actually wants to help you and who’s just waiting to grab onto your wallet?  Tarzan Kay has spent years using persuasion-first business tactics to prompt potential customers into purchasing, building a seven-figure income stream in the process. It wasn’t until she realized that these tactics did more harm than help that she decided to burn down the business she had built. Now, she’s sharing all the persuasion secrets marketers are using on YOU and teaching you how to build a business the better way.    In This Episode We Cover  The “principles of persuasion” businesses use to trick you into buying  Common predatory practices online gurus and mentors commonly use  HUGE red flags to watch out for before you buy ANY online course  How to ensure your business NEVER tricks potential customers into buying   Vetting your own clients and customers BEFORE they have the chance to pay you  And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  Network with Other Investors on The Path to FIRE Through the BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Mindy on BiggerPockets  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Money Moment  Warning: Why You Shouldn’t Buy What the Gurus Are Selling    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-497     Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email us: moneymoment@biggerpockets.com]]></itunes:summary>
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	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[By the time you finish this episode, you’ll be ten thousand dollars richer. Just read this testimonial from a recent BiggerPockets Money listener, “I’m so rich now, I have no idea what to spend all my money on. And all it took was listening to this episode.” But act fast because, in five minutes, this episode WON’T be available anymore.  None of the above is true. But you probably caught on to a few of the psychological tricks many marketers use to push you into purchasing, even when you’re not ready to. And with so much mentoring, online course-selling, guru-ing, and get-rich-quick promising, it’s hard NOT to fall into these traps. How do you know who actually wants to help you and who’s just waiting to grab onto your wallet?  Tarzan Kay has spent years using persuasion-first business tactics to prompt potential customers into purchasing, building a seven-figure income stream in the process. It wasn’t until she realized that these tactics did more harm than help that she decided to b]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
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<item>
	<title>496: 24 Money Tips for 2024: How to Save on Rent AND Travel for Free!</title>
	<link>https://biggerpocketsmoney.com/podcast/496-24-money-tips-for-2024-how-to-save-on-rent-and-travel-for-free/</link>
	<pubDate>Thu, 25 Jan 2024 07:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">75a269ec-baaf-11ee-bfdc-4f3bcb720d24</guid>
	<description><![CDATA[If you want to reach financial freedom, knowing how to save money is crucial. Today, Mindy and Kyle deliver some special tips that will help you save on housing, food, travel, and other common money categories in 2024! In this final episode of our four-part money tips series, we’re looking to help you improve your quality of life while saving money. Do you pay a [&#8230;]]]></description>
	<itunes:subtitle><![CDATA[If you want to reach financial freedom, knowing how to save money is crucial. Today, Mindy and Kyle deliver some special tips that will help you save on housing, food, travel, and other common money categories in 2024! In this final episode of our four-p]]></itunes:subtitle>
	<content:encoded><![CDATA[If you want to reach financial freedom, knowing how to save money is crucial. Today, Mindy and Kyle deliver some special tips that will help you save on housing, food, travel, and other common money categories in 2024! In this final episode of our four-part money tips series, we’re looking to help you improve your quality of life while saving money. Do you pay a [&#8230;]]]></content:encoded>
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	<itunes:summary><![CDATA[If you want to reach financial freedom, knowing how to save money is crucial. Today, Mindy and Kyle deliver some special tips that will help you save on housing, food, travel, and other common money categories in 2024! In this final episode of our four-part money tips series, we’re looking to help you improve your quality of life while saving money. Do you pay a [&#8230;]]]></itunes:summary>
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	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[If you want to reach financial freedom, knowing how to save money is crucial. Today, Mindy and Kyle deliver some special tips that will help you save on housing, food, travel, and other common money categories in 2024! In this final episode of our four-part money tips series, we’re looking to help you improve your quality of life while saving money. Do you pay a [&#8230;]]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
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<item>
	<title>495: The Digital Nomad’s Guide to High-Income Skills and Making Money Online</title>
	<link>https://biggerpocketsmoney.com/podcast/495-the-digital-nomads-guide-to-high-income-skills-and-making-money-online/</link>
	<pubDate>Tue, 23 Jan 2024 07:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
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	<description><![CDATA[Learning high-income skills can help you make money online—and a LOT of it! Just ask today’s guest, who worked not one but SEVEN internships to develop professional skills that would help her launch several successful online businesses down the road!  Welcome back to the BiggerPockets Money podcast! Jo Franco is an entrepreneur, YouTuber, podcast host, and digital nomad with multiple income streams. Born to undocumented immigrants, Jo didn’t have much growing up other than her family and a chance to pursue the American Dream, but what she lacked in money and resources, she made up for in pure work ethic. Throughout her teens and twenties, Jo worked all kinds of jobs, side hustles, gigs, and internships that allowed her to save money and even travel the world for FREE.  Since then, Jo has had her own Netflix show, built a successful YouTube channel, and launched her own journaling company. In this episode, she shares exactly how she made all of this happen, the keys to her success, and important money management tips for entrepreneurs. She also talks about the biggest mistake she has made in her career to date: hiring the wrong people!    In This Episode We Cover  The high-income skills you NEED to become a successful entrepreneur  How to become a digital nomad (and travel the world for FREE)  Reducing your financial risk by keeping your expenses down  The true value of unpaid internships (and how to make the most of them!)  Crucial money management tips for all entrepreneurs  How to save money WITHOUT the consistency of a W2 paycheck  How to get the highest return on your investment in people  And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  Network with Other Investors on The Path to FIRE Through the BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Mindy on BiggerPockets  Scott on BiggerPockets  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Money Moment  Check Out Our 24 Money Tips for 2024:  Part 1  Part 2  Part 3  Part 4  Click here to check the full show notes: https://www.biggerpockets.com/blog/money-495     Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email us: moneymoment@biggerpockets.com]]></description>
	<itunes:subtitle><![CDATA[Learning high-income skills can help you make money online—and a LOT of it! Just ask today’s guest, who worked not one but SEVEN internships to develop professional skills that would help her launch several successful online businesses down the road!  We]]></itunes:subtitle>
	<content:encoded><![CDATA[Learning high-income skills can help you make money online—and a LOT of it! Just ask today’s guest, who worked not one but SEVEN internships to develop professional skills that would help her launch several successful online businesses down the road!  Welcome back to the BiggerPockets Money podcast! Jo Franco is an entrepreneur, YouTuber, podcast host, and digital nomad with multiple income streams. Born to undocumented immigrants, Jo didn’t have much growing up other than her family and a chance to pursue the American Dream, but what she lacked in money and resources, she made up for in pure work ethic. Throughout her teens and twenties, Jo worked all kinds of jobs, side hustles, gigs, and internships that allowed her to save money and even travel the world for FREE.  Since then, Jo has had her own Netflix show, built a successful YouTube channel, and launched her own journaling company. In this episode, she shares exactly how she made all of this happen, the keys to her success, and important money management tips for entrepreneurs. She also talks about the biggest mistake she has made in her career to date: hiring the wrong people!    In This Episode We Cover  The high-income skills you NEED to become a successful entrepreneur  How to become a digital nomad (and travel the world for FREE)  Reducing your financial risk by keeping your expenses down  The true value of unpaid internships (and how to make the most of them!)  Crucial money management tips for all entrepreneurs  How to save money WITHOUT the consistency of a W2 paycheck  How to get the highest return on your investment in people  And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  Network with Other Investors on The Path to FIRE Through the BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Mindy on BiggerPockets  Scott on BiggerPockets  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Money Moment  Check Out Our 24 Money Tips for 2024:  Part 1  Part 2  Part 3  Part 4  Click here to check the full show notes: https://www.biggerpockets.com/blog/money-495     Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email us: moneymoment@biggerpockets.com]]></content:encoded>
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	<itunes:summary><![CDATA[Learning high-income skills can help you make money online—and a LOT of it! Just ask today’s guest, who worked not one but SEVEN internships to develop professional skills that would help her launch several successful online businesses down the road!  Welcome back to the BiggerPockets Money podcast! Jo Franco is an entrepreneur, YouTuber, podcast host, and digital nomad with multiple income streams. Born to undocumented immigrants, Jo didn’t have much growing up other than her family and a chance to pursue the American Dream, but what she lacked in money and resources, she made up for in pure work ethic. Throughout her teens and twenties, Jo worked all kinds of jobs, side hustles, gigs, and internships that allowed her to save money and even travel the world for FREE.  Since then, Jo has had her own Netflix show, built a successful YouTube channel, and launched her own journaling company. In this episode, she shares exactly how she made all of this happen, the keys to her success, and important money management tips for entrepreneurs. She also talks about the biggest mistake she has made in her career to date: hiring the wrong people!    In This Episode We Cover  The high-income skills you NEED to become a successful entrepreneur  How to become a digital nomad (and travel the world for FREE)  Reducing your financial risk by keeping your expenses down  The true value of unpaid internships (and how to make the most of them!)  Crucial money management tips for all entrepreneurs  How to save money WITHOUT the consistency of a W2 paycheck  How to get the highest return on your investment in people  And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  Network with Other Investors on The Path to FIRE Through the BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Mindy on BiggerPockets  Scott on BiggerPockets  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Money Moment  Check Out Our 24 Money Tips for 2024:  Part 1  Part 2  Part 3  Part 4  Click here to check the full show notes: https://www.biggerpockets.com/blog/money-495     Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email us: moneymoment@biggerpockets.com]]></itunes:summary>
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	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[Learning high-income skills can help you make money online—and a LOT of it! Just ask today’s guest, who worked not one but SEVEN internships to develop professional skills that would help her launch several successful online businesses down the road!  Welcome back to the BiggerPockets Money podcast! Jo Franco is an entrepreneur, YouTuber, podcast host, and digital nomad with multiple income streams. Born to undocumented immigrants, Jo didn’t have much growing up other than her family and a chance to pursue the American Dream, but what she lacked in money and resources, she made up for in pure work ethic. Throughout her teens and twenties, Jo worked all kinds of jobs, side hustles, gigs, and internships that allowed her to save money and even travel the world for FREE.  Since then, Jo has had her own Netflix show, built a successful YouTube channel, and launched her own journaling company. In this episode, she shares exactly how she made all of this happen, the keys to her success, and]]></googleplay:description>
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<item>
	<title>494: How to Buy a House, Fund a Business, &#038; Invest “Extra” Cash in 2024</title>
	<link>https://biggerpocketsmoney.com/podcast/494-how-to-buy-a-house-fund-a-business-invest-extra-cash-in-2024/</link>
	<pubDate>Fri, 19 Jan 2024 07:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
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	<description><![CDATA[Want to learn how to buy a house in 2024? Whether you have outstanding credit or your score could use a little work, there are different ways to buy. In this episode, we’ll lay out your best options and provide actionable steps you can take to boost your credit score in the meantime!  Welcome back to the BiggerPockets Money podcast! Today, Mindy and Kyle are fielding some of your biggest money questions. Beyond buying a home, you’ll learn how to use your home equity to fund your new business idea. Have you run into some “extra” cash recently? We share investing strategies that will allow you to “hack” tax brackets and position yourself to retire early.  This year, it’s crucial that you get on the same page with your partner, financially. Mindy and Kyle talk about the tough but essential “meetings” you should be having about your budget. Finally, is there ever a time when it makes sense to buy a depreciating asset like a brand-new car? Our hosts’ answer might surprise you!  If you want Mindy and Kyle to answer a money question, you can submit a question here or post it in the Money Facebook Group!    In This Episode We Cover  How to buy a house in 2024 with less-than-perfect credit  What you MUST know before entering a home equity agreement  The BEST ways to fund your new business idea  How to buy a brand-new car and stay on track for FIRE  How to invest “extra” money and “hack” your tax bracket to owe less  The finance “meetings” you NEED to have with your partner  And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  Network with Other Investors on The Path to FIRE Through the BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Mindy on BiggerPockets  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Money Moment  When to Buy New vs. Used and is That Car Repair Worth the Cash  The Money Date: What You Should (And Definitely Should Not) Do to Align Your Finances as a Couple  Playing with FIRE (Financial Independence, Retire Early) with Scott Rieckens  Ramit Sethi’s Money Advice for Couples: Live a Rich Life, Together  Grab Your Copy of “Playing with FIRE”    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-494     Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email us: moneymoment@biggerpockets.com]]></description>
	<itunes:subtitle><![CDATA[Want to learn how to buy a house in 2024? Whether you have outstanding credit or your score could use a little work, there are different ways to buy. In this episode, we’ll lay out your best options and provide actionable steps you can take to boost your]]></itunes:subtitle>
	<content:encoded><![CDATA[Want to learn how to buy a house in 2024? Whether you have outstanding credit or your score could use a little work, there are different ways to buy. In this episode, we’ll lay out your best options and provide actionable steps you can take to boost your credit score in the meantime!  Welcome back to the BiggerPockets Money podcast! Today, Mindy and Kyle are fielding some of your biggest money questions. Beyond buying a home, you’ll learn how to use your home equity to fund your new business idea. Have you run into some “extra” cash recently? We share investing strategies that will allow you to “hack” tax brackets and position yourself to retire early.  This year, it’s crucial that you get on the same page with your partner, financially. Mindy and Kyle talk about the tough but essential “meetings” you should be having about your budget. Finally, is there ever a time when it makes sense to buy a depreciating asset like a brand-new car? Our hosts’ answer might surprise you!  If you want Mindy and Kyle to answer a money question, you can submit a question here or post it in the Money Facebook Group!    In This Episode We Cover  How to buy a house in 2024 with less-than-perfect credit  What you MUST know before entering a home equity agreement  The BEST ways to fund your new business idea  How to buy a brand-new car and stay on track for FIRE  How to invest “extra” money and “hack” your tax bracket to owe less  The finance “meetings” you NEED to have with your partner  And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  Network with Other Investors on The Path to FIRE Through the BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Mindy on BiggerPockets  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Money Moment  When to Buy New vs. Used and is That Car Repair Worth the Cash  The Money Date: What You Should (And Definitely Should Not) Do to Align Your Finances as a Couple  Playing with FIRE (Financial Independence, Retire Early) with Scott Rieckens  Ramit Sethi’s Money Advice for Couples: Live a Rich Life, Together  Grab Your Copy of “Playing with FIRE”    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-494     Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email us: moneymoment@biggerpockets.com]]></content:encoded>
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	<itunes:summary><![CDATA[Want to learn how to buy a house in 2024? Whether you have outstanding credit or your score could use a little work, there are different ways to buy. In this episode, we’ll lay out your best options and provide actionable steps you can take to boost your credit score in the meantime!  Welcome back to the BiggerPockets Money podcast! Today, Mindy and Kyle are fielding some of your biggest money questions. Beyond buying a home, you’ll learn how to use your home equity to fund your new business idea. Have you run into some “extra” cash recently? We share investing strategies that will allow you to “hack” tax brackets and position yourself to retire early.  This year, it’s crucial that you get on the same page with your partner, financially. Mindy and Kyle talk about the tough but essential “meetings” you should be having about your budget. Finally, is there ever a time when it makes sense to buy a depreciating asset like a brand-new car? Our hosts’ answer might surprise you!  If you want Mindy and Kyle to answer a money question, you can submit a question here or post it in the Money Facebook Group!    In This Episode We Cover  How to buy a house in 2024 with less-than-perfect credit  What you MUST know before entering a home equity agreement  The BEST ways to fund your new business idea  How to buy a brand-new car and stay on track for FIRE  How to invest “extra” money and “hack” your tax bracket to owe less  The finance “meetings” you NEED to have with your partner  And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  Network with Other Investors on The Path to FIRE Through the BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Mindy on BiggerPockets  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Money Moment  When to Buy New vs. Used and is That Car Repair Worth the Cash  The Money Date: What You Should (And Definitely Should Not) Do to Align Your Finances as a Couple  Playing with FIRE (Financial Independence, Retire Early) with Scott Rieckens  Ramit Sethi’s Money Advice for Couples: Live a Rich Life, Together  Grab Your Copy of “Playing with FIRE”    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-494     Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email us: moneymoment@biggerpockets.com]]></itunes:summary>
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	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[Want to learn how to buy a house in 2024? Whether you have outstanding credit or your score could use a little work, there are different ways to buy. In this episode, we’ll lay out your best options and provide actionable steps you can take to boost your credit score in the meantime!  Welcome back to the BiggerPockets Money podcast! Today, Mindy and Kyle are fielding some of your biggest money questions. Beyond buying a home, you’ll learn how to use your home equity to fund your new business idea. Have you run into some “extra” cash recently? We share investing strategies that will allow you to “hack” tax brackets and position yourself to retire early.  This year, it’s crucial that you get on the same page with your partner, financially. Mindy and Kyle talk about the tough but essential “meetings” you should be having about your budget. Finally, is there ever a time when it makes sense to buy a depreciating asset like a brand-new car? Our hosts’ answer might surprise you!  If you want]]></googleplay:description>
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<item>
	<title>493: 24 Money Tips for 2024: The BEST Ways to Invest Your Money THIS Year</title>
	<link>https://biggerpocketsmoney.com/podcast/493-24-money-tips-for-2024-the-best-ways-to-invest-your-money-this-year/</link>
	<pubDate>Thu, 18 Jan 2024 07:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
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	<description><![CDATA[Looking to be a better investor in 2024? A few simple adjustments could help your money work much harder for you this year, and our hosts are here to lend a hand!  In part three of our four-part money tips series to kick off 2024, Mindy and Kyle offer some top-notch advice on how to invest your money this year. You’ll learn about the importance of tracking your finances year-round, savvy retirement planning, and, if you’re a real estate investor, putting some of your “lazy” equity to better use!  Beyond investing, our hosts provide several money hacks that will help you chip away at your expenses this year—whether it’s taking advantage of autopay or annual-pay discounts or pivoting to a low-cost phone plan. Finally, they discuss how spending money can actually propel you toward your FIRE goal!    In This Episode We Cover  How to be a better investor in 2024 and beyond  Finding the perfect method to track your finances year-round  Paying a fraction of your current phone bill by switching to a cheaper plan  Saving money on bills with autopay and annual pay options  How to spend money, enjoy your life, and still save BIG  Getting the highest retirement account benefit by planning contributions  Making your money work harder by optimizing your investment portfolio  Reinvesting the “lazy” equity in your real estate portfolio  And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  Network with Other Investors on The Path to FIRE Through the BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Mindy on BiggerPockets  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Money Moment  Check Out Part 1 of Our 24 Money Tips for 2024  Check Out Part 2 of Our 24 Money Tips for 2024  Ramit Sethi Revisited: Spend Like Your Life Depends on It  Find a Discount Phone Plan:  Mint Mobile  Visible    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-493     Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email us: moneymoment@biggerpockets.com]]></description>
	<itunes:subtitle><![CDATA[Looking to be a better investor in 2024? A few simple adjustments could help your money work much harder for you this year, and our hosts are here to lend a hand!  In part three of our four-part money tips series to kick off 2024, Mindy and Kyle offer so]]></itunes:subtitle>
	<content:encoded><![CDATA[Looking to be a better investor in 2024? A few simple adjustments could help your money work much harder for you this year, and our hosts are here to lend a hand!  In part three of our four-part money tips series to kick off 2024, Mindy and Kyle offer some top-notch advice on how to invest your money this year. You’ll learn about the importance of tracking your finances year-round, savvy retirement planning, and, if you’re a real estate investor, putting some of your “lazy” equity to better use!  Beyond investing, our hosts provide several money hacks that will help you chip away at your expenses this year—whether it’s taking advantage of autopay or annual-pay discounts or pivoting to a low-cost phone plan. Finally, they discuss how spending money can actually propel you toward your FIRE goal!    In This Episode We Cover  How to be a better investor in 2024 and beyond  Finding the perfect method to track your finances year-round  Paying a fraction of your current phone bill by switching to a cheaper plan  Saving money on bills with autopay and annual pay options  How to spend money, enjoy your life, and still save BIG  Getting the highest retirement account benefit by planning contributions  Making your money work harder by optimizing your investment portfolio  Reinvesting the “lazy” equity in your real estate portfolio  And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  Network with Other Investors on The Path to FIRE Through the BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Mindy on BiggerPockets  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Money Moment  Check Out Part 1 of Our 24 Money Tips for 2024  Check Out Part 2 of Our 24 Money Tips for 2024  Ramit Sethi Revisited: Spend Like Your Life Depends on It  Find a Discount Phone Plan:  Mint Mobile  Visible    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-493     Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email us: moneymoment@biggerpockets.com]]></content:encoded>
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	<itunes:summary><![CDATA[Looking to be a better investor in 2024? A few simple adjustments could help your money work much harder for you this year, and our hosts are here to lend a hand!  In part three of our four-part money tips series to kick off 2024, Mindy and Kyle offer some top-notch advice on how to invest your money this year. You’ll learn about the importance of tracking your finances year-round, savvy retirement planning, and, if you’re a real estate investor, putting some of your “lazy” equity to better use!  Beyond investing, our hosts provide several money hacks that will help you chip away at your expenses this year—whether it’s taking advantage of autopay or annual-pay discounts or pivoting to a low-cost phone plan. Finally, they discuss how spending money can actually propel you toward your FIRE goal!    In This Episode We Cover  How to be a better investor in 2024 and beyond  Finding the perfect method to track your finances year-round  Paying a fraction of your current phone bill by switching to a cheaper plan  Saving money on bills with autopay and annual pay options  How to spend money, enjoy your life, and still save BIG  Getting the highest retirement account benefit by planning contributions  Making your money work harder by optimizing your investment portfolio  Reinvesting the “lazy” equity in your real estate portfolio  And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  Network with Other Investors on The Path to FIRE Through the BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Mindy on BiggerPockets  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Money Moment  Check Out Part 1 of Our 24 Money Tips for 2024  Check Out Part 2 of Our 24 Money Tips for 2024  Ramit Sethi Revisited: Spend Like Your Life Depends on It  Find a Discount Phone Plan:  Mint Mobile  Visible    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-493     Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email us: moneymoment@biggerpockets.com]]></itunes:summary>
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<item>
	<title>492: How Much Do You NEED to Retire? It’s Less Than You’d Think</title>
	<link>https://biggerpocketsmoney.com/podcast/492-how-much-do-you-need-to-retire-its-less-than-youd-think/</link>
	<pubDate>Tue, 16 Jan 2024 07:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
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	<description><![CDATA[Everyone tells you you’ll need millions to retire, let alone retire early. You hear it all over mainstream financial media, “You need FIVE million dollars” or “Three million dollars is enough, but you have to be frugal!” Even having half a million dollars in investments seems like a lofty goal for most Americans. Are these financial “experts” [&#8230;]]]></description>
	<itunes:subtitle><![CDATA[Everyone tells you you’ll need millions to retire, let alone retire early. You hear it all over mainstream financial media, “You need FIVE million dollars” or “Three million dollars is enough, but you have to be frugal!” Even having half a million dollar]]></itunes:subtitle>
	<content:encoded><![CDATA[Everyone tells you you’ll need millions to retire, let alone retire early. You hear it all over mainstream financial media, “You need FIVE million dollars” or “Three million dollars is enough, but you have to be frugal!” Even having half a million dollars in investments seems like a lofty goal for most Americans. Are these financial “experts” [&#8230;]]]></content:encoded>
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	<itunes:summary><![CDATA[Everyone tells you you’ll need millions to retire, let alone retire early. You hear it all over mainstream financial media, “You need FIVE million dollars” or “Three million dollars is enough, but you have to be frugal!” Even having half a million dollars in investments seems like a lofty goal for most Americans. Are these financial “experts” [&#8230;]]]></itunes:summary>
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	<googleplay:explicit>No</googleplay:explicit>
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<item>
	<title>491: Why You DON’T Need a College Degree to Reach Financial Freedom</title>
	<link>https://biggerpocketsmoney.com/podcast/491-why-you-dont-need-a-college-degree-to-reach-financial-freedom/</link>
	<pubDate>Fri, 12 Jan 2024 07:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
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	<description><![CDATA[Do you dream of hitting financial independence before the age of fifty, forty, or even thirty? In this episode, we’re joined by two of the SheeksFreaks community’s finest—a pair of scrappy entrepreneurs who decided to skip collegeand pursue a much faster path to financial freedom.  First up, we chat with Adrian Zapata, a twenty-two-year-old serial entrepreneur who now owns multiple thriving seasonal businesses. During the spring, summer, and fall months, Adrian delivers lawn care and tree trimming servicesto the locals of San Antonio, Texas. But, once the holiday season rolls around, that’s when the real cash cow takes over: a Christmas lights installation business that brings in a whopping $115,000 in only two months!  Next, Javier Leyva shares how he was able to achieve financial independence by just twenty-six years old despite his underprivileged upbringing. After performing his own cost-benefit analysis, Javier determined that getting a traditional bachelor’s degree wasn’t the right path for him. Instead, he joined the workforce and took actionable steps toward FI—doubling down on saving money, finding a higher-paying job, and increasing his income with the house hacking strategy!    In This Episode We Cover  Two unique ways to achieve financial independence before the age of 30  How to boost your income with the house hacking strategy  The HUGE revenue potential of building a seasonal business  The case for SKIPPING college and choosing the straight path to FI  Why you NEED to plug into a personal finance community (and stay accountable!)  Why financial education—NOT a college degree—is the key to financial freedom  And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  Network with Other Investors on The Path to FIRE Through the BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Mindy on BiggerPockets  Scott on BiggerPockets  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Money Moment  Is College Worth the Cost? This 30,000 Variable Study Says “Sometimes…”  Why 40% of Master’s Degrees Aren’t Worth It (and Which Are) w/Preston Cooper  20 Year-Old Minimum Wage Marine with $850K in Real Estate  Building a $1 Million Net Worth in Only 3 Years by Investing in Real Estate  Hear Our Last Episode with the SheeksFreaks Success Stories  Join the SheeksFreaks Community    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-491     Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email us: moneymoment@biggerpockets.com]]></description>
	<itunes:subtitle><![CDATA[Do you dream of hitting financial independence before the age of fifty, forty, or even thirty? In this episode, we’re joined by two of the SheeksFreaks community’s finest—a pair of scrappy entrepreneurs who decided to skip collegeand pursue a much faster]]></itunes:subtitle>
	<content:encoded><![CDATA[Do you dream of hitting financial independence before the age of fifty, forty, or even thirty? In this episode, we’re joined by two of the SheeksFreaks community’s finest—a pair of scrappy entrepreneurs who decided to skip collegeand pursue a much faster path to financial freedom.  First up, we chat with Adrian Zapata, a twenty-two-year-old serial entrepreneur who now owns multiple thriving seasonal businesses. During the spring, summer, and fall months, Adrian delivers lawn care and tree trimming servicesto the locals of San Antonio, Texas. But, once the holiday season rolls around, that’s when the real cash cow takes over: a Christmas lights installation business that brings in a whopping $115,000 in only two months!  Next, Javier Leyva shares how he was able to achieve financial independence by just twenty-six years old despite his underprivileged upbringing. After performing his own cost-benefit analysis, Javier determined that getting a traditional bachelor’s degree wasn’t the right path for him. Instead, he joined the workforce and took actionable steps toward FI—doubling down on saving money, finding a higher-paying job, and increasing his income with the house hacking strategy!    In This Episode We Cover  Two unique ways to achieve financial independence before the age of 30  How to boost your income with the house hacking strategy  The HUGE revenue potential of building a seasonal business  The case for SKIPPING college and choosing the straight path to FI  Why you NEED to plug into a personal finance community (and stay accountable!)  Why financial education—NOT a college degree—is the key to financial freedom  And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  Network with Other Investors on The Path to FIRE Through the BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Mindy on BiggerPockets  Scott on BiggerPockets  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Money Moment  Is College Worth the Cost? This 30,000 Variable Study Says “Sometimes…”  Why 40% of Master’s Degrees Aren’t Worth It (and Which Are) w/Preston Cooper  20 Year-Old Minimum Wage Marine with $850K in Real Estate  Building a $1 Million Net Worth in Only 3 Years by Investing in Real Estate  Hear Our Last Episode with the SheeksFreaks Success Stories  Join the SheeksFreaks Community    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-491     Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email us: moneymoment@biggerpockets.com]]></content:encoded>
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	<itunes:summary><![CDATA[Do you dream of hitting financial independence before the age of fifty, forty, or even thirty? In this episode, we’re joined by two of the SheeksFreaks community’s finest—a pair of scrappy entrepreneurs who decided to skip collegeand pursue a much faster path to financial freedom.  First up, we chat with Adrian Zapata, a twenty-two-year-old serial entrepreneur who now owns multiple thriving seasonal businesses. During the spring, summer, and fall months, Adrian delivers lawn care and tree trimming servicesto the locals of San Antonio, Texas. But, once the holiday season rolls around, that’s when the real cash cow takes over: a Christmas lights installation business that brings in a whopping $115,000 in only two months!  Next, Javier Leyva shares how he was able to achieve financial independence by just twenty-six years old despite his underprivileged upbringing. After performing his own cost-benefit analysis, Javier determined that getting a traditional bachelor’s degree wasn’t the right path for him. Instead, he joined the workforce and took actionable steps toward FI—doubling down on saving money, finding a higher-paying job, and increasing his income with the house hacking strategy!    In This Episode We Cover  Two unique ways to achieve financial independence before the age of 30  How to boost your income with the house hacking strategy  The HUGE revenue potential of building a seasonal business  The case for SKIPPING college and choosing the straight path to FI  Why you NEED to plug into a personal finance community (and stay accountable!)  Why financial education—NOT a college degree—is the key to financial freedom  And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  Network with Other Investors on The Path to FIRE Through the BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Mindy on BiggerPockets  Scott on BiggerPockets  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Money Moment  Is College Worth the Cost? This 30,000 Variable Study Says “Sometimes…”  Why 40% of Master’s Degrees Aren’t Worth It (and Which Are) w/Preston Cooper  20 Year-Old Minimum Wage Marine with $850K in Real Estate  Building a $1 Million Net Worth in Only 3 Years by Investing in Real Estate  Hear Our Last Episode with the SheeksFreaks Success Stories  Join the SheeksFreaks Community    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-491     Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email us: moneymoment@biggerpockets.com]]></itunes:summary>
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	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[Do you dream of hitting financial independence before the age of fifty, forty, or even thirty? In this episode, we’re joined by two of the SheeksFreaks community’s finest—a pair of scrappy entrepreneurs who decided to skip collegeand pursue a much faster path to financial freedom.  First up, we chat with Adrian Zapata, a twenty-two-year-old serial entrepreneur who now owns multiple thriving seasonal businesses. During the spring, summer, and fall months, Adrian delivers lawn care and tree trimming servicesto the locals of San Antonio, Texas. But, once the holiday season rolls around, that’s when the real cash cow takes over: a Christmas lights installation business that brings in a whopping $115,000 in only two months!  Next, Javier Leyva shares how he was able to achieve financial independence by just twenty-six years old despite his underprivileged upbringing. After performing his own cost-benefit analysis, Javier determined that getting a traditional bachelor’s degree wasn’t the ri]]></googleplay:description>
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<item>
	<title>490: 24 Money Tips for 2024: How to Slash Your Expenses and Save MORE This Year</title>
	<link>https://biggerpocketsmoney.com/podcast/490-24-money-tips-for-2024-how-to-slash-your-expenses-and-save-more-this-year/</link>
	<pubDate>Thu, 11 Jan 2024 07:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
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	<description><![CDATA[With a few money tips for 2024, you could take your savings to a new level this year. From investment fees to utilities, there are all kinds of everyday expenses that you might not have thought to slash!  Welcome back to the BiggerPockets Money podcast! In part two of our money tips series, Mindy and Kyle go over some of the best and easiest ways to save money. If you haven’t shopped around for insurance in the last year, chances are you’re paying too much! We talk about how finding a broker can help you out in a big way.  We also recommend several home upgrades—such as installing LED bulbs, adding insulation to your attic, and investing in low-flow showerheads—that could help you save a fortune on your energy bill. You’ll find out that even something as simple as stashing your tax refund in a savings account could make a huge difference!    In This Episode We Cover  How to find out if you’re spending too much on investment fees  The energy-efficient home upgrades you NEED to make in 2024  How to save a fortune on your electric bill by insulating your attic  The SMART way to use your tax refund this year  Why you NEED to shop for insurance every six months (and find a broker!)  Protecting your family’s financial future before you pass away  And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  Network with Other Investors on The Path to FIRE Through the BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Mindy on BiggerPockets  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Money Moment  Check Out Part 1 of Our 24 Money Tips for 2024  How to Find the Best Possible Certified Financial Planner (CFP) for Your Needs with Kyle Mast  The Post-Passing Plan: 3 Steps to Protect Your Family’s Financial Future  Organize Your Family’s Most Important Information with the Family Emergency Binder    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-490     Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email us: moneymoment@biggerpockets.com]]></description>
	<itunes:subtitle><![CDATA[With a few money tips for 2024, you could take your savings to a new level this year. From investment fees to utilities, there are all kinds of everyday expenses that you might not have thought to slash!  Welcome back to the BiggerPockets Money podcast! ]]></itunes:subtitle>
	<content:encoded><![CDATA[With a few money tips for 2024, you could take your savings to a new level this year. From investment fees to utilities, there are all kinds of everyday expenses that you might not have thought to slash!  Welcome back to the BiggerPockets Money podcast! In part two of our money tips series, Mindy and Kyle go over some of the best and easiest ways to save money. If you haven’t shopped around for insurance in the last year, chances are you’re paying too much! We talk about how finding a broker can help you out in a big way.  We also recommend several home upgrades—such as installing LED bulbs, adding insulation to your attic, and investing in low-flow showerheads—that could help you save a fortune on your energy bill. You’ll find out that even something as simple as stashing your tax refund in a savings account could make a huge difference!    In This Episode We Cover  How to find out if you’re spending too much on investment fees  The energy-efficient home upgrades you NEED to make in 2024  How to save a fortune on your electric bill by insulating your attic  The SMART way to use your tax refund this year  Why you NEED to shop for insurance every six months (and find a broker!)  Protecting your family’s financial future before you pass away  And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  Network with Other Investors on The Path to FIRE Through the BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Mindy on BiggerPockets  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Money Moment  Check Out Part 1 of Our 24 Money Tips for 2024  How to Find the Best Possible Certified Financial Planner (CFP) for Your Needs with Kyle Mast  The Post-Passing Plan: 3 Steps to Protect Your Family’s Financial Future  Organize Your Family’s Most Important Information with the Family Emergency Binder    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-490     Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email us: moneymoment@biggerpockets.com]]></content:encoded>
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	<itunes:summary><![CDATA[With a few money tips for 2024, you could take your savings to a new level this year. From investment fees to utilities, there are all kinds of everyday expenses that you might not have thought to slash!  Welcome back to the BiggerPockets Money podcast! In part two of our money tips series, Mindy and Kyle go over some of the best and easiest ways to save money. If you haven’t shopped around for insurance in the last year, chances are you’re paying too much! We talk about how finding a broker can help you out in a big way.  We also recommend several home upgrades—such as installing LED bulbs, adding insulation to your attic, and investing in low-flow showerheads—that could help you save a fortune on your energy bill. You’ll find out that even something as simple as stashing your tax refund in a savings account could make a huge difference!    In This Episode We Cover  How to find out if you’re spending too much on investment fees  The energy-efficient home upgrades you NEED to make in 2024  How to save a fortune on your electric bill by insulating your attic  The SMART way to use your tax refund this year  Why you NEED to shop for insurance every six months (and find a broker!)  Protecting your family’s financial future before you pass away  And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  Network with Other Investors on The Path to FIRE Through the BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Mindy on BiggerPockets  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Money Moment  Check Out Part 1 of Our 24 Money Tips for 2024  How to Find the Best Possible Certified Financial Planner (CFP) for Your Needs with Kyle Mast  The Post-Passing Plan: 3 Steps to Protect Your Family’s Financial Future  Organize Your Family’s Most Important Information with the Family Emergency Binder    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-490     Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email us: moneymoment@biggerpockets.com]]></itunes:summary>
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	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[With a few money tips for 2024, you could take your savings to a new level this year. From investment fees to utilities, there are all kinds of everyday expenses that you might not have thought to slash!  Welcome back to the BiggerPockets Money podcast! In part two of our money tips series, Mindy and Kyle go over some of the best and easiest ways to save money. If you haven’t shopped around for insurance in the last year, chances are you’re paying too much! We talk about how finding a broker can help you out in a big way.  We also recommend several home upgrades—such as installing LED bulbs, adding insulation to your attic, and investing in low-flow showerheads—that could help you save a fortune on your energy bill. You’ll find out that even something as simple as stashing your tax refund in a savings account could make a huge difference!    In This Episode We Cover  How to find out if you’re spending too much on investment fees  The energy-efficient home upgrades you NEED to make in ]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
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<item>
	<title>489: Humphrey Yang: How to Save $100K, Quit Your Job, and Build a Business</title>
	<link>https://biggerpocketsmoney.com/podcast/489-humphrey-yang-how-to-save-100k-quit-your-job-and-build-a-business/</link>
	<pubDate>Tue, 09 Jan 2024 07:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
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	<description><![CDATA[You probably already know who Humphrey Yang is, and even if you don’t, there’s a good chance you’ve seen one of his YouTube, TikTok, or Instagram videos. A few years ago, Humphrey’s internet presence was almost non-existent. He was living off savings, trying to find a business that would hit traction, until one day, he started posting financial content online. Within thirty days, he had a six-figure follower count. But this wasn’t by luck or accident; it was by design.  Humphrey knew that to start any successful business, it would take testing—a lot of testing. So, he set out to test content that not many other people were making, showing anyone and everyone on the internet what not to buy, the best ways to invest, and how they, too, could become wealthy, or at least not end up broke.  But Humphrey was ONLY able to do this after saving up a significant amount of money from past jobs, going extremely frugal, and realizing that he needed to do whatever it took to work for himself. And if you’re struggling to find your path and feel like being an entrepreneur is what you’re meant to do, Humphrey can help! In this episode, he’ll show you EXACTLY how he “tested” his way to wealth, made financial and entrepreneurial “hypotheses,” and grew an online following to over a million people in just a few years.    In This Episode We Cover  The benefits of extreme frugality and how to save six figures on an average salary  Starting your own business and how to “test" whether it’ll stick  Going viral online in only a month and how to find your niche with customers/viewers  Why you MUST fail at multiple businesses before you find success  Using your “unfair” advantage to get ahead in whatever industry you’re in  And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  Network with Other Investors on The Path to FIRE Through the BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Mindy on BiggerPockets  Scott on BiggerPockets  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Money Moment  Grab Your Copy of “Set for Life”  Starting Successful Businesses with NO Industry Experience  10 Tips For Leaving Your 9-5 and Adjusting to Life as an Entrepreneur  The #1 Wealth Killer No One Talks About    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-489     Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email us: moneymoment@biggerpockets.com]]></description>
	<itunes:subtitle><![CDATA[You probably already know who Humphrey Yang is, and even if you don’t, there’s a good chance you’ve seen one of his YouTube, TikTok, or Instagram videos. A few years ago, Humphrey’s internet presence was almost non-existent. He was living off savings, tr]]></itunes:subtitle>
	<content:encoded><![CDATA[You probably already know who Humphrey Yang is, and even if you don’t, there’s a good chance you’ve seen one of his YouTube, TikTok, or Instagram videos. A few years ago, Humphrey’s internet presence was almost non-existent. He was living off savings, trying to find a business that would hit traction, until one day, he started posting financial content online. Within thirty days, he had a six-figure follower count. But this wasn’t by luck or accident; it was by design.  Humphrey knew that to start any successful business, it would take testing—a lot of testing. So, he set out to test content that not many other people were making, showing anyone and everyone on the internet what not to buy, the best ways to invest, and how they, too, could become wealthy, or at least not end up broke.  But Humphrey was ONLY able to do this after saving up a significant amount of money from past jobs, going extremely frugal, and realizing that he needed to do whatever it took to work for himself. And if you’re struggling to find your path and feel like being an entrepreneur is what you’re meant to do, Humphrey can help! In this episode, he’ll show you EXACTLY how he “tested” his way to wealth, made financial and entrepreneurial “hypotheses,” and grew an online following to over a million people in just a few years.    In This Episode We Cover  The benefits of extreme frugality and how to save six figures on an average salary  Starting your own business and how to “test" whether it’ll stick  Going viral online in only a month and how to find your niche with customers/viewers  Why you MUST fail at multiple businesses before you find success  Using your “unfair” advantage to get ahead in whatever industry you’re in  And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  Network with Other Investors on The Path to FIRE Through the BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Mindy on BiggerPockets  Scott on BiggerPockets  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Money Moment  Grab Your Copy of “Set for Life”  Starting Successful Businesses with NO Industry Experience  10 Tips For Leaving Your 9-5 and Adjusting to Life as an Entrepreneur  The #1 Wealth Killer No One Talks About    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-489     Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email us: moneymoment@biggerpockets.com]]></content:encoded>
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	<itunes:summary><![CDATA[You probably already know who Humphrey Yang is, and even if you don’t, there’s a good chance you’ve seen one of his YouTube, TikTok, or Instagram videos. A few years ago, Humphrey’s internet presence was almost non-existent. He was living off savings, trying to find a business that would hit traction, until one day, he started posting financial content online. Within thirty days, he had a six-figure follower count. But this wasn’t by luck or accident; it was by design.  Humphrey knew that to start any successful business, it would take testing—a lot of testing. So, he set out to test content that not many other people were making, showing anyone and everyone on the internet what not to buy, the best ways to invest, and how they, too, could become wealthy, or at least not end up broke.  But Humphrey was ONLY able to do this after saving up a significant amount of money from past jobs, going extremely frugal, and realizing that he needed to do whatever it took to work for himself. And if you’re struggling to find your path and feel like being an entrepreneur is what you’re meant to do, Humphrey can help! In this episode, he’ll show you EXACTLY how he “tested” his way to wealth, made financial and entrepreneurial “hypotheses,” and grew an online following to over a million people in just a few years.    In This Episode We Cover  The benefits of extreme frugality and how to save six figures on an average salary  Starting your own business and how to “test" whether it’ll stick  Going viral online in only a month and how to find your niche with customers/viewers  Why you MUST fail at multiple businesses before you find success  Using your “unfair” advantage to get ahead in whatever industry you’re in  And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  Network with Other Investors on The Path to FIRE Through the BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Mindy on BiggerPockets  Scott on BiggerPockets  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Money Moment  Grab Your Copy of “Set for Life”  Starting Successful Businesses with NO Industry Experience  10 Tips For Leaving Your 9-5 and Adjusting to Life as an Entrepreneur  The #1 Wealth Killer No One Talks About    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-489     Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email us: moneymoment@biggerpockets.com]]></itunes:summary>
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	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[You probably already know who Humphrey Yang is, and even if you don’t, there’s a good chance you’ve seen one of his YouTube, TikTok, or Instagram videos. A few years ago, Humphrey’s internet presence was almost non-existent. He was living off savings, trying to find a business that would hit traction, until one day, he started posting financial content online. Within thirty days, he had a six-figure follower count. But this wasn’t by luck or accident; it was by design.  Humphrey knew that to start any successful business, it would take testing—a lot of testing. So, he set out to test content that not many other people were making, showing anyone and everyone on the internet what not to buy, the best ways to invest, and how they, too, could become wealthy, or at least not end up broke.  But Humphrey was ONLY able to do this after saving up a significant amount of money from past jobs, going extremely frugal, and realizing that he needed to do whatever it took to work for himself. And i]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
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<item>
	<title>488: How to Pay Off Credit Card Debt FAST ($30K+ in 1 Year!)</title>
	<link>https://biggerpocketsmoney.com/podcast/488-how-to-pay-off-credit-card-debt-fast-30k-in-1-year/</link>
	<pubDate>Fri, 05 Jan 2024 07:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
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	<description><![CDATA[Today, we’re going to show you how to pay off credit card debt FAST. It isn’t glamorous, and it won’t be easy, but if you can do it, an entire world of wealth-building, opportunity, and financial freedom awaits. So, if you’ve gotthousands in credit card and consumer debt and are tired of feeling shackled to failing finances, get ready to take [&#8230;]]]></description>
	<itunes:subtitle><![CDATA[Today, we’re going to show you how to pay off credit card debt FAST. It isn’t glamorous, and it won’t be easy, but if you can do it, an entire world of wealth-building, opportunity, and financial freedom awaits. So, if you’ve gotthousands in credit card ]]></itunes:subtitle>
	<content:encoded><![CDATA[Today, we’re going to show you how to pay off credit card debt FAST. It isn’t glamorous, and it won’t be easy, but if you can do it, an entire world of wealth-building, opportunity, and financial freedom awaits. So, if you’ve gotthousands in credit card and consumer debt and are tired of feeling shackled to failing finances, get ready to take [&#8230;]]]></content:encoded>
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	<itunes:summary><![CDATA[Today, we’re going to show you how to pay off credit card debt FAST. It isn’t glamorous, and it won’t be easy, but if you can do it, an entire world of wealth-building, opportunity, and financial freedom awaits. So, if you’ve gotthousands in credit card and consumer debt and are tired of feeling shackled to failing finances, get ready to take [&#8230;]]]></itunes:summary>
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	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[Today, we’re going to show you how to pay off credit card debt FAST. It isn’t glamorous, and it won’t be easy, but if you can do it, an entire world of wealth-building, opportunity, and financial freedom awaits. So, if you’ve gotthousands in credit card and consumer debt and are tired of feeling shackled to failing finances, get ready to take [&#8230;]]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
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<item>
	<title>487: 24 Money Tips for 2024: Credit Scores, Subscriptions, &#038; Claiming FREE Money</title>
	<link>https://biggerpocketsmoney.com/podcast/487-24-money-tips-for-2024-credit-scores-subscriptions-claiming-free-money/</link>
	<pubDate>Thu, 04 Jan 2024 07:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">2be2dcb8-aaa3-11ee-a6a0-8f6d1567efa4</guid>
	<description><![CDATA[If you’re after the best money tips for 2024, we’ve got you covered! Every dollar counts when it comes to improving your finances, and our hosts are offering some invaluable end-of-year advice to help you do just that.  In part one of this four-part series, Mindy and Kyle will help you prepare for 2024 with money reviews, money dates, and home improvement project planning. Of course, your credit score plays a key role in your financial journey, so we will show you how to keep an eye on it and view your latest credit report for free.  Do you have unnecessary subscriptions that eat away at your bank account balance each month? We have a tool that allows you to cancel them automatically. Finally, does someone OWE you money? You’ve got to try the secret hack we use to find and claim free money each year!    In This Episode We Cover  The end-of-year money review you MUST have in 2024  Why you NEED to plan regular money dates with your partner  Saving money when planning home improvement projects  The secret tool we use to cancel unwanted subscriptions (without doing a thing!)  Keeping your credit in check with free credit reports  How to claim the FREE money you’re owed (but didn’t know about!)  And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  Network with Other Investors on The Path to FIRE Through the BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Mindy on BiggerPockets  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Money Moment  The Money Date: What You Should (And Definitely Should Not) Do to Align Your Finances as a Couple  All the Money Hacks We WISH We Had Known About  Check Your Credit Report for FREE:  FreeCreditReport.com  AnnualCreditReport.com  Get Expiring Debit Cards for Your Subscriptions with Privacy    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-487     Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email us: moneymoment@biggerpockets.com]]></description>
	<itunes:subtitle><![CDATA[If you’re after the best money tips for 2024, we’ve got you covered! Every dollar counts when it comes to improving your finances, and our hosts are offering some invaluable end-of-year advice to help you do just that.  In part one of this four-part seri]]></itunes:subtitle>
	<content:encoded><![CDATA[If you’re after the best money tips for 2024, we’ve got you covered! Every dollar counts when it comes to improving your finances, and our hosts are offering some invaluable end-of-year advice to help you do just that.  In part one of this four-part series, Mindy and Kyle will help you prepare for 2024 with money reviews, money dates, and home improvement project planning. Of course, your credit score plays a key role in your financial journey, so we will show you how to keep an eye on it and view your latest credit report for free.  Do you have unnecessary subscriptions that eat away at your bank account balance each month? We have a tool that allows you to cancel them automatically. Finally, does someone OWE you money? You’ve got to try the secret hack we use to find and claim free money each year!    In This Episode We Cover  The end-of-year money review you MUST have in 2024  Why you NEED to plan regular money dates with your partner  Saving money when planning home improvement projects  The secret tool we use to cancel unwanted subscriptions (without doing a thing!)  Keeping your credit in check with free credit reports  How to claim the FREE money you’re owed (but didn’t know about!)  And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  Network with Other Investors on The Path to FIRE Through the BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Mindy on BiggerPockets  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Money Moment  The Money Date: What You Should (And Definitely Should Not) Do to Align Your Finances as a Couple  All the Money Hacks We WISH We Had Known About  Check Your Credit Report for FREE:  FreeCreditReport.com  AnnualCreditReport.com  Get Expiring Debit Cards for Your Subscriptions with Privacy    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-487     Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email us: moneymoment@biggerpockets.com]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC3205752980.mp3" length="6407257" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[If you’re after the best money tips for 2024, we’ve got you covered! Every dollar counts when it comes to improving your finances, and our hosts are offering some invaluable end-of-year advice to help you do just that.  In part one of this four-part series, Mindy and Kyle will help you prepare for 2024 with money reviews, money dates, and home improvement project planning. Of course, your credit score plays a key role in your financial journey, so we will show you how to keep an eye on it and view your latest credit report for free.  Do you have unnecessary subscriptions that eat away at your bank account balance each month? We have a tool that allows you to cancel them automatically. Finally, does someone OWE you money? You’ve got to try the secret hack we use to find and claim free money each year!    In This Episode We Cover  The end-of-year money review you MUST have in 2024  Why you NEED to plan regular money dates with your partner  Saving money when planning home improvement projects  The secret tool we use to cancel unwanted subscriptions (without doing a thing!)  Keeping your credit in check with free credit reports  How to claim the FREE money you’re owed (but didn’t know about!)  And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  Network with Other Investors on The Path to FIRE Through the BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Mindy on BiggerPockets  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Money Moment  The Money Date: What You Should (And Definitely Should Not) Do to Align Your Finances as a Couple  All the Money Hacks We WISH We Had Known About  Check Your Credit Report for FREE:  FreeCreditReport.com  AnnualCreditReport.com  Get Expiring Debit Cards for Your Subscriptions with Privacy    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-487     Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email us: moneymoment@biggerpockets.com]]></itunes:summary>
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	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[If you’re after the best money tips for 2024, we’ve got you covered! Every dollar counts when it comes to improving your finances, and our hosts are offering some invaluable end-of-year advice to help you do just that.  In part one of this four-part series, Mindy and Kyle will help you prepare for 2024 with money reviews, money dates, and home improvement project planning. Of course, your credit score plays a key role in your financial journey, so we will show you how to keep an eye on it and view your latest credit report for free.  Do you have unnecessary subscriptions that eat away at your bank account balance each month? We have a tool that allows you to cancel them automatically. Finally, does someone OWE you money? You’ve got to try the secret hack we use to find and claim free money each year!    In This Episode We Cover  The end-of-year money review you MUST have in 2024  Why you NEED to plan regular money dates with your partner  Saving money when planning home improvement pr]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
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<item>
	<title>486: JL Collins: You Don’t Need to Be Rich to Reach Financial Independence</title>
	<link>https://biggerpocketsmoney.com/podcast/486-jl-collins-you-dont-need-to-be-rich-to-reach-financial-independence/</link>
	<pubDate>Tue, 02 Jan 2024 07:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">74cd5c30-88fe-11ee-8442-73ea7a4ac91a</guid>
	<description><![CDATA[JL Collins is one of the most respected authors in the financial independence community. His book, The Simple Path to Wealth, became the FIRE movement bible, giving clear, concise, easy-to-follow, and often unbelievably simple advice on achieving financial independence and retiring early. One of the most striking lessons from the book? You DON’T need to be rich to retire early or build wealth. Whether you make $40K or $400K per year, you can start building your financial freedom TODAY.  Since its publication, The Simple Path to Wealth has inspired millions of people to find financial freedom, and many who have achieved financial independence or are well on their way have been in contact with JL. In his new book “Pathfinders: Extraordinary Stories of People Like You on the Quest for Financial Independence?And How to Join Them,” JL shares stories of the rich, poor, and even bankrupt readers who were able to turn their lives around and find financial freedom, no matter their circumstance.  So, if you’ve been telling yourself that you CAN’T retire early because of a low paycheck, dire financial situation, or expensive lifestyle, think again. In this episode, JL will show you EXACTLY why YOU can be rich IF you follow some simple steps on the path to financial independence!    In This Episode We Cover  The simple, repeatable path to wealth that ANYONE can follow to become rich  How to achieve your huge retirement goals even when starting from zero  Why financial independence is NOT just for the rich and already wealthy  The lifestyle “trap” that will stop you from ever achieving FIRE  The problem with the 4% rule and why you CANNOT trust it for a happy retirement  How to build wealth when everything (and we mean EVERYTHING) goes wrong  And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  Network with Other Investors on The Path to FIRE Through the BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Mindy on BiggerPockets  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Money Moment  Hear Our Past Episodes with JL  Episode 20  Episode 116  Episode 285  Learn More from JL  How Has The 4% Rule Held Up Since The Tech Bubble And The 2008 Financial Crisis?    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-486     Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email us: moneymoment@biggerpockets.com]]></description>
	<itunes:subtitle><![CDATA[JL Collins is one of the most respected authors in the financial independence community. His book, The Simple Path to Wealth, became the FIRE movement bible, giving clear, concise, easy-to-follow, and often unbelievably simple advice on achieving financi]]></itunes:subtitle>
	<content:encoded><![CDATA[JL Collins is one of the most respected authors in the financial independence community. His book, The Simple Path to Wealth, became the FIRE movement bible, giving clear, concise, easy-to-follow, and often unbelievably simple advice on achieving financial independence and retiring early. One of the most striking lessons from the book? You DON’T need to be rich to retire early or build wealth. Whether you make $40K or $400K per year, you can start building your financial freedom TODAY.  Since its publication, The Simple Path to Wealth has inspired millions of people to find financial freedom, and many who have achieved financial independence or are well on their way have been in contact with JL. In his new book “Pathfinders: Extraordinary Stories of People Like You on the Quest for Financial Independence?And How to Join Them,” JL shares stories of the rich, poor, and even bankrupt readers who were able to turn their lives around and find financial freedom, no matter their circumstance.  So, if you’ve been telling yourself that you CAN’T retire early because of a low paycheck, dire financial situation, or expensive lifestyle, think again. In this episode, JL will show you EXACTLY why YOU can be rich IF you follow some simple steps on the path to financial independence!    In This Episode We Cover  The simple, repeatable path to wealth that ANYONE can follow to become rich  How to achieve your huge retirement goals even when starting from zero  Why financial independence is NOT just for the rich and already wealthy  The lifestyle “trap” that will stop you from ever achieving FIRE  The problem with the 4% rule and why you CANNOT trust it for a happy retirement  How to build wealth when everything (and we mean EVERYTHING) goes wrong  And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  Network with Other Investors on The Path to FIRE Through the BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Mindy on BiggerPockets  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Money Moment  Hear Our Past Episodes with JL  Episode 20  Episode 116  Episode 285  Learn More from JL  How Has The 4% Rule Held Up Since The Tech Bubble And The 2008 Financial Crisis?    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-486     Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email us: moneymoment@biggerpockets.com]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC8074836301.mp3" length="37282550" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[JL Collins is one of the most respected authors in the financial independence community. His book, The Simple Path to Wealth, became the FIRE movement bible, giving clear, concise, easy-to-follow, and often unbelievably simple advice on achieving financial independence and retiring early. One of the most striking lessons from the book? You DON’T need to be rich to retire early or build wealth. Whether you make $40K or $400K per year, you can start building your financial freedom TODAY.  Since its publication, The Simple Path to Wealth has inspired millions of people to find financial freedom, and many who have achieved financial independence or are well on their way have been in contact with JL. In his new book “Pathfinders: Extraordinary Stories of People Like You on the Quest for Financial Independence?And How to Join Them,” JL shares stories of the rich, poor, and even bankrupt readers who were able to turn their lives around and find financial freedom, no matter their circumstance.  So, if you’ve been telling yourself that you CAN’T retire early because of a low paycheck, dire financial situation, or expensive lifestyle, think again. In this episode, JL will show you EXACTLY why YOU can be rich IF you follow some simple steps on the path to financial independence!    In This Episode We Cover  The simple, repeatable path to wealth that ANYONE can follow to become rich  How to achieve your huge retirement goals even when starting from zero  Why financial independence is NOT just for the rich and already wealthy  The lifestyle “trap” that will stop you from ever achieving FIRE  The problem with the 4% rule and why you CANNOT trust it for a happy retirement  How to build wealth when everything (and we mean EVERYTHING) goes wrong  And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  Network with Other Investors on The Path to FIRE Through the BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Mindy on BiggerPockets  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Money Moment  Hear Our Past Episodes with JL  Episode 20  Episode 116  Episode 285  Learn More from JL  How Has The 4% Rule Held Up Since The Tech Bubble And The 2008 Financial Crisis?    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-486     Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email us: moneymoment@biggerpockets.com]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[JL Collins is one of the most respected authors in the financial independence community. His book, The Simple Path to Wealth, became the FIRE movement bible, giving clear, concise, easy-to-follow, and often unbelievably simple advice on achieving financial independence and retiring early. One of the most striking lessons from the book? You DON’T need to be rich to retire early or build wealth. Whether you make $40K or $400K per year, you can start building your financial freedom TODAY.  Since its publication, The Simple Path to Wealth has inspired millions of people to find financial freedom, and many who have achieved financial independence or are well on their way have been in contact with JL. In his new book “Pathfinders: Extraordinary Stories of People Like You on the Quest for Financial Independence?And How to Join Them,” JL shares stories of the rich, poor, and even bankrupt readers who were able to turn their lives around and find financial freedom, no matter their circumstance]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>485: How to Start Thinking, Acting, and Investing Like the Rich</title>
	<link>https://biggerpocketsmoney.com/podcast/485-how-to-start-thinking-acting-and-investing-like-the-rich/</link>
	<pubDate>Fri, 29 Dec 2023 07:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">74705530-88fe-11ee-8442-83c6ef37a767</guid>
	<description><![CDATA[Everyone wants to know how to get rich. And here’s the truth: getting rich might be much easier than you think. While most people would assume the wealthy grind their way to success, this isn’t always the case. In fact, rich people are FAR lazier than you think, and we’re not saying that in a bad way. Rich people make money while they sleep, so they don’t HAVE to work harder every day. Want to know how you can do the same? Vivian Tu, AKA “Your Rich BFF,” will show you how!  Vivian grew up with super-saver immigrant parents who taught her the value of money. When she went off to college, she realized a whole new world of wealth existed—this was only multiplied when she became a Wall Street trader. Vivian saw the fancy suits, the designer bags, and the jewel-studded bracelets and realized that these “rich” people were doing something most people didn’t know about. After her friends and coworkers wouldn’t stop asking her for financial advice, she decided to take her knowledge to the masses.  In her new book, “Rich AF: The Winning Money Mindset That Will Change Your Life,” Vivian details what the rich do that you (probably) don’t. These habits of the wealthy can change your life and upgrade you from the position you’re in now. In today’s episode, we talk about the tools you can use to get rich, why you’re playing real-life Monopoly all wrong, and how rich people think to build wealth even when they’re not working.    In This Episode We Cover  How to go from broke in your 50s to millionaire (or multimillionaire) in your 60s  Lifestyle creep and why a high income is dangerous for most Americans  How to reverse your “spend first, save last” mindset and start investing for your future  The “wake-up call” that caused Becky and Bill to change their financial mindset  Whether or not it’s ever “too late” to retire (and what to do if you’re there)  Becky and Bill’s advice for those that are broke in their 40s, 50s, or 60s  Why you should NEVER buy a boat   And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  Network with Other Investors on The Path to FIRE Through the BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Mindy on BiggerPockets  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Money Moment  Hear Our Last Interview with Vivian on Money and Relationships  5 Habits of the Wealthy That Helped Them Get Rich    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-485     Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email us: moneymoment@biggerpockets.com]]></description>
	<itunes:subtitle><![CDATA[Everyone wants to know how to get rich. And here’s the truth: getting rich might be much easier than you think. While most people would assume the wealthy grind their way to success, this isn’t always the case. In fact, rich people are FAR lazier than yo]]></itunes:subtitle>
	<content:encoded><![CDATA[Everyone wants to know how to get rich. And here’s the truth: getting rich might be much easier than you think. While most people would assume the wealthy grind their way to success, this isn’t always the case. In fact, rich people are FAR lazier than you think, and we’re not saying that in a bad way. Rich people make money while they sleep, so they don’t HAVE to work harder every day. Want to know how you can do the same? Vivian Tu, AKA “Your Rich BFF,” will show you how!  Vivian grew up with super-saver immigrant parents who taught her the value of money. When she went off to college, she realized a whole new world of wealth existed—this was only multiplied when she became a Wall Street trader. Vivian saw the fancy suits, the designer bags, and the jewel-studded bracelets and realized that these “rich” people were doing something most people didn’t know about. After her friends and coworkers wouldn’t stop asking her for financial advice, she decided to take her knowledge to the masses.  In her new book, “Rich AF: The Winning Money Mindset That Will Change Your Life,” Vivian details what the rich do that you (probably) don’t. These habits of the wealthy can change your life and upgrade you from the position you’re in now. In today’s episode, we talk about the tools you can use to get rich, why you’re playing real-life Monopoly all wrong, and how rich people think to build wealth even when they’re not working.    In This Episode We Cover  How to go from broke in your 50s to millionaire (or multimillionaire) in your 60s  Lifestyle creep and why a high income is dangerous for most Americans  How to reverse your “spend first, save last” mindset and start investing for your future  The “wake-up call” that caused Becky and Bill to change their financial mindset  Whether or not it’s ever “too late” to retire (and what to do if you’re there)  Becky and Bill’s advice for those that are broke in their 40s, 50s, or 60s  Why you should NEVER buy a boat   And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  Network with Other Investors on The Path to FIRE Through the BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Mindy on BiggerPockets  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Money Moment  Hear Our Last Interview with Vivian on Money and Relationships  5 Habits of the Wealthy That Helped Them Get Rich    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-485     Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email us: moneymoment@biggerpockets.com]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC9324014541.mp3" length="32657892" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[Everyone wants to know how to get rich. And here’s the truth: getting rich might be much easier than you think. While most people would assume the wealthy grind their way to success, this isn’t always the case. In fact, rich people are FAR lazier than you think, and we’re not saying that in a bad way. Rich people make money while they sleep, so they don’t HAVE to work harder every day. Want to know how you can do the same? Vivian Tu, AKA “Your Rich BFF,” will show you how!  Vivian grew up with super-saver immigrant parents who taught her the value of money. When she went off to college, she realized a whole new world of wealth existed—this was only multiplied when she became a Wall Street trader. Vivian saw the fancy suits, the designer bags, and the jewel-studded bracelets and realized that these “rich” people were doing something most people didn’t know about. After her friends and coworkers wouldn’t stop asking her for financial advice, she decided to take her knowledge to the masses.  In her new book, “Rich AF: The Winning Money Mindset That Will Change Your Life,” Vivian details what the rich do that you (probably) don’t. These habits of the wealthy can change your life and upgrade you from the position you’re in now. In today’s episode, we talk about the tools you can use to get rich, why you’re playing real-life Monopoly all wrong, and how rich people think to build wealth even when they’re not working.    In This Episode We Cover  How to go from broke in your 50s to millionaire (or multimillionaire) in your 60s  Lifestyle creep and why a high income is dangerous for most Americans  How to reverse your “spend first, save last” mindset and start investing for your future  The “wake-up call” that caused Becky and Bill to change their financial mindset  Whether or not it’s ever “too late” to retire (and what to do if you’re there)  Becky and Bill’s advice for those that are broke in their 40s, 50s, or 60s  Why you should NEVER buy a boat   And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  Network with Other Investors on The Path to FIRE Through the BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Mindy on BiggerPockets  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Money Moment  Hear Our Last Interview with Vivian on Money and Relationships  5 Habits of the Wealthy That Helped Them Get Rich    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-485     Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email us: moneymoment@biggerpockets.com]]></itunes:summary>
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	<itunes:block>no</itunes:block>
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	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[Everyone wants to know how to get rich. And here’s the truth: getting rich might be much easier than you think. While most people would assume the wealthy grind their way to success, this isn’t always the case. In fact, rich people are FAR lazier than you think, and we’re not saying that in a bad way. Rich people make money while they sleep, so they don’t HAVE to work harder every day. Want to know how you can do the same? Vivian Tu, AKA “Your Rich BFF,” will show you how!  Vivian grew up with super-saver immigrant parents who taught her the value of money. When she went off to college, she realized a whole new world of wealth existed—this was only multiplied when she became a Wall Street trader. Vivian saw the fancy suits, the designer bags, and the jewel-studded bracelets and realized that these “rich” people were doing something most people didn’t know about. After her friends and coworkers wouldn’t stop asking her for financial advice, she decided to take her knowledge to the mass]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
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<item>
	<title>484: The Late Starter’s Guide to Financial Independence (Even in Your 50s!) &#124; ENCORE EPISODE</title>
	<link>https://biggerpocketsmoney.com/podcast/484-the-late-starters-guide-to-financial-independence-even-in-your-50s-encore-episode/</link>
	<pubDate>Tue, 26 Dec 2023 07:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">74138512-88fe-11ee-8442-f3360b9c8ca9</guid>
	<description><![CDATA[Ho ho ho! We hope you had a holly, jolly, frugal, and festive holiday season. With the BiggerPockets elves off tinkering to make even greater shows for next year, we bring you one of our FAVORITE episodes for an encore! In this show, you'll hear about two VERY late starters who were able to reach retirement right on time!  If you think it's too late to retire, think again!  ______  Is early retirement possible if you’re dead broke in your 50s? What about regular retirement when you have anegative net worth later in life? If you feel it’s too late to retire, today’s guests are here to prove you wrong. After waking up at fifty with zero dollars to her name, Becky Heptig faced a dilemma—make a change or work for the rest of her days. So Becky and her husband, almost overnight, flipped their lifestyle around and started saving and investing everything they could. Now, she’s retired as a millionaire with complete financial flexibility.  Bill Yount wasn’t just worth zero dollars; he had a negative net worth at fifty. Even with a high-paying job, new cars, and a nice house, Bill was miles away from retirement but took the same path as Becky as he aggressively saved and started planning for retirement. Just a few years out from retirement, Bill has millions stashed away, a luxury lifestyle that his investments support, and a boat-sized amount of cash in his bank account.  If you think it’s TOO late to retire, you’re wrong. Becky and Bill prove in today’s episode that even if you’re starting late, with NOTHING to your name, retirement is only a decade (or a few years) away. You’ll hear EXACTLY how they retired early when starting from zero, the “wake-up call” late starters MUST have, and what you can do TODAY to get your retirement planning on track!    In This Episode We Cover  How to go from broke in your 50s to millionaire (or multimillionaire) in your 60s  Lifestyle creep and why a high income is dangerous for most Americans  How to reverse your “spend first, save last” mindset and start investing for your future  The “wake-up call” that caused Becky and Bill to change their financial mindset  Whether or not it’s ever “too late” to retire (and what to do if you’re there)  Becky and Bill’s advice for those that are broke in their 40s, 50s, or 60s  Why you should NEVER buy a boat   And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  Network with Other Investors on The Path to FIRE Through the BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Mindy on BiggerPockets  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Money Moment  Grab Scott’s Book, “Set for Life”  Rethink Social Security: Myths, Benefits, and Clearing Up Misconceptions    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-484     Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email us: moneymoment@biggerpockets.com]]></description>
	<itunes:subtitle><![CDATA[Ho ho ho! We hope you had a holly, jolly, frugal, and festive holiday season. With the BiggerPockets elves off tinkering to make even greater shows for next year, we bring you one of our FAVORITE episodes for an encore! In this show, youll hear about two]]></itunes:subtitle>
	<content:encoded><![CDATA[Ho ho ho! We hope you had a holly, jolly, frugal, and festive holiday season. With the BiggerPockets elves off tinkering to make even greater shows for next year, we bring you one of our FAVORITE episodes for an encore! In this show, you'll hear about two VERY late starters who were able to reach retirement right on time!  If you think it's too late to retire, think again!  ______  Is early retirement possible if you’re dead broke in your 50s? What about regular retirement when you have anegative net worth later in life? If you feel it’s too late to retire, today’s guests are here to prove you wrong. After waking up at fifty with zero dollars to her name, Becky Heptig faced a dilemma—make a change or work for the rest of her days. So Becky and her husband, almost overnight, flipped their lifestyle around and started saving and investing everything they could. Now, she’s retired as a millionaire with complete financial flexibility.  Bill Yount wasn’t just worth zero dollars; he had a negative net worth at fifty. Even with a high-paying job, new cars, and a nice house, Bill was miles away from retirement but took the same path as Becky as he aggressively saved and started planning for retirement. Just a few years out from retirement, Bill has millions stashed away, a luxury lifestyle that his investments support, and a boat-sized amount of cash in his bank account.  If you think it’s TOO late to retire, you’re wrong. Becky and Bill prove in today’s episode that even if you’re starting late, with NOTHING to your name, retirement is only a decade (or a few years) away. You’ll hear EXACTLY how they retired early when starting from zero, the “wake-up call” late starters MUST have, and what you can do TODAY to get your retirement planning on track!    In This Episode We Cover  How to go from broke in your 50s to millionaire (or multimillionaire) in your 60s  Lifestyle creep and why a high income is dangerous for most Americans  How to reverse your “spend first, save last” mindset and start investing for your future  The “wake-up call” that caused Becky and Bill to change their financial mindset  Whether or not it’s ever “too late” to retire (and what to do if you’re there)  Becky and Bill’s advice for those that are broke in their 40s, 50s, or 60s  Why you should NEVER buy a boat   And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  Network with Other Investors on The Path to FIRE Through the BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Mindy on BiggerPockets  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Money Moment  Grab Scott’s Book, “Set for Life”  Rethink Social Security: Myths, Benefits, and Clearing Up Misconceptions    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-484     Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email us: moneymoment@biggerpockets.com]]></content:encoded>
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	<itunes:summary><![CDATA[Ho ho ho! We hope you had a holly, jolly, frugal, and festive holiday season. With the BiggerPockets elves off tinkering to make even greater shows for next year, we bring you one of our FAVORITE episodes for an encore! In this show, you'll hear about two VERY late starters who were able to reach retirement right on time!  If you think it's too late to retire, think again!  ______  Is early retirement possible if you’re dead broke in your 50s? What about regular retirement when you have anegative net worth later in life? If you feel it’s too late to retire, today’s guests are here to prove you wrong. After waking up at fifty with zero dollars to her name, Becky Heptig faced a dilemma—make a change or work for the rest of her days. So Becky and her husband, almost overnight, flipped their lifestyle around and started saving and investing everything they could. Now, she’s retired as a millionaire with complete financial flexibility.  Bill Yount wasn’t just worth zero dollars; he had a negative net worth at fifty. Even with a high-paying job, new cars, and a nice house, Bill was miles away from retirement but took the same path as Becky as he aggressively saved and started planning for retirement. Just a few years out from retirement, Bill has millions stashed away, a luxury lifestyle that his investments support, and a boat-sized amount of cash in his bank account.  If you think it’s TOO late to retire, you’re wrong. Becky and Bill prove in today’s episode that even if you’re starting late, with NOTHING to your name, retirement is only a decade (or a few years) away. You’ll hear EXACTLY how they retired early when starting from zero, the “wake-up call” late starters MUST have, and what you can do TODAY to get your retirement planning on track!    In This Episode We Cover  How to go from broke in your 50s to millionaire (or multimillionaire) in your 60s  Lifestyle creep and why a high income is dangerous for most Americans  How to reverse your “spend first, save last” mindset and start investing for your future  The “wake-up call” that caused Becky and Bill to change their financial mindset  Whether or not it’s ever “too late” to retire (and what to do if you’re there)  Becky and Bill’s advice for those that are broke in their 40s, 50s, or 60s  Why you should NEVER buy a boat   And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  Network with Other Investors on The Path to FIRE Through the BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Mindy on BiggerPockets  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Money Moment  Grab Scott’s Book, “Set for Life”  Rethink Social Security: Myths, Benefits, and Clearing Up Misconceptions    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-484     Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email us: moneymoment@biggerpockets.com]]></itunes:summary>
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	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[Ho ho ho! We hope you had a holly, jolly, frugal, and festive holiday season. With the BiggerPockets elves off tinkering to make even greater shows for next year, we bring you one of our FAVORITE episodes for an encore! In this show, you'll hear about two VERY late starters who were able to reach retirement right on time!  If you think it's too late to retire, think again!  ______  Is early retirement possible if you’re dead broke in your 50s? What about regular retirement when you have anegative net worth later in life? If you feel it’s too late to retire, today’s guests are here to prove you wrong. After waking up at fifty with zero dollars to her name, Becky Heptig faced a dilemma—make a change or work for the rest of her days. So Becky and her husband, almost overnight, flipped their lifestyle around and started saving and investing everything they could. Now, she’s retired as a millionaire with complete financial flexibility.  Bill Yount wasn’t just worth zero dollars; he had a n]]></googleplay:description>
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<item>
	<title>483: Lean FI in 6 Years, Fat FI in 10, and Quitting Your Job The FIRE Way</title>
	<link>https://biggerpocketsmoney.com/podcast/483-lean-fi-in-6-years-fat-fi-in-10-and-quitting-your-job-the-fire-way/</link>
	<pubDate>Fri, 22 Dec 2023 07:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
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	<description><![CDATA[At twenty-nine years old, Andy Johnson had achieved lean FIRE. He had enough to survive but not enough to make his future family comfortably financially free. All he needed to do was work a little longer, make a bit more money, and intensely invest. That plan went out the window when Andy woke up one day, unable to return to work. The high levels of stress and constant demand from clients got to him. He quit his high-paying job with no plan.  Over the next year, Andy did something incredible. Even without a steady paycheck, he built a massive real estate portfolio in just ten months, bolstered his family’s investments, and now, a few years later, in his mid-thirties, hasachieved true financial independence. How did he do it in such a short amount of time WITHOUT a job? His method is one only the savviest of investors would have thought of.  In this episode, you’ll hear how Andy bought twenty-one rental properties in under a year, paid just $1,500 in taxes on a $200,000 gain, and was able to move to a more expensive area, retire part-time (by choice), and reach ultimate financial freedom. If you’re stressed at your job and looking for a way out while keeping your investments and bank account intact, this episode is for you!    In This Episode We Cover  Quitting your job with NO plan and how to ensure you always have the ability to walk away  How Andy bought over twenty rental units in just ten months   Avoiding capital gains tax and how to legally lower your taxes DRAMATICALLY  Using real estate leverage to get rich and the right way to analyze a rental property  Long-distance real estate investing and how to get connected to the best agents, property managers, and contractors in the area  The “part-time jobs” Andy is taking up in retirement (even though he doesn’t have to)  And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  Network with Other Investors on The Path to FIRE Through the BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Mindy on BiggerPockets  Scott on BiggerPockets  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Money Moment  Turning 9-to-5 Burnout into 24 Doors (in a Year and a Half!)  What to Do Before You Quit the High-Pay & Benefits of Corporate World  Physician on FIRE’s Tax Loss Harvesting Blogs:  Top 5 Tax Loss Harvesting Tips  Tax Loss Harvesting with Vanguard    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-483     Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email us: moneymoment@biggerpockets.com]]></description>
	<itunes:subtitle><![CDATA[At twenty-nine years old, Andy Johnson had achieved lean FIRE. He had enough to survive but not enough to make his future family comfortably financially free. All he needed to do was work a little longer, make a bit more money, and intensely invest. That]]></itunes:subtitle>
	<content:encoded><![CDATA[At twenty-nine years old, Andy Johnson had achieved lean FIRE. He had enough to survive but not enough to make his future family comfortably financially free. All he needed to do was work a little longer, make a bit more money, and intensely invest. That plan went out the window when Andy woke up one day, unable to return to work. The high levels of stress and constant demand from clients got to him. He quit his high-paying job with no plan.  Over the next year, Andy did something incredible. Even without a steady paycheck, he built a massive real estate portfolio in just ten months, bolstered his family’s investments, and now, a few years later, in his mid-thirties, hasachieved true financial independence. How did he do it in such a short amount of time WITHOUT a job? His method is one only the savviest of investors would have thought of.  In this episode, you’ll hear how Andy bought twenty-one rental properties in under a year, paid just $1,500 in taxes on a $200,000 gain, and was able to move to a more expensive area, retire part-time (by choice), and reach ultimate financial freedom. If you’re stressed at your job and looking for a way out while keeping your investments and bank account intact, this episode is for you!    In This Episode We Cover  Quitting your job with NO plan and how to ensure you always have the ability to walk away  How Andy bought over twenty rental units in just ten months   Avoiding capital gains tax and how to legally lower your taxes DRAMATICALLY  Using real estate leverage to get rich and the right way to analyze a rental property  Long-distance real estate investing and how to get connected to the best agents, property managers, and contractors in the area  The “part-time jobs” Andy is taking up in retirement (even though he doesn’t have to)  And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  Network with Other Investors on The Path to FIRE Through the BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Mindy on BiggerPockets  Scott on BiggerPockets  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Money Moment  Turning 9-to-5 Burnout into 24 Doors (in a Year and a Half!)  What to Do Before You Quit the High-Pay & Benefits of Corporate World  Physician on FIRE’s Tax Loss Harvesting Blogs:  Top 5 Tax Loss Harvesting Tips  Tax Loss Harvesting with Vanguard    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-483     Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email us: moneymoment@biggerpockets.com]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC1739510223.mp3" length="37768901" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[At twenty-nine years old, Andy Johnson had achieved lean FIRE. He had enough to survive but not enough to make his future family comfortably financially free. All he needed to do was work a little longer, make a bit more money, and intensely invest. That plan went out the window when Andy woke up one day, unable to return to work. The high levels of stress and constant demand from clients got to him. He quit his high-paying job with no plan.  Over the next year, Andy did something incredible. Even without a steady paycheck, he built a massive real estate portfolio in just ten months, bolstered his family’s investments, and now, a few years later, in his mid-thirties, hasachieved true financial independence. How did he do it in such a short amount of time WITHOUT a job? His method is one only the savviest of investors would have thought of.  In this episode, you’ll hear how Andy bought twenty-one rental properties in under a year, paid just $1,500 in taxes on a $200,000 gain, and was able to move to a more expensive area, retire part-time (by choice), and reach ultimate financial freedom. If you’re stressed at your job and looking for a way out while keeping your investments and bank account intact, this episode is for you!    In This Episode We Cover  Quitting your job with NO plan and how to ensure you always have the ability to walk away  How Andy bought over twenty rental units in just ten months   Avoiding capital gains tax and how to legally lower your taxes DRAMATICALLY  Using real estate leverage to get rich and the right way to analyze a rental property  Long-distance real estate investing and how to get connected to the best agents, property managers, and contractors in the area  The “part-time jobs” Andy is taking up in retirement (even though he doesn’t have to)  And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  Network with Other Investors on The Path to FIRE Through the BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Mindy on BiggerPockets  Scott on BiggerPockets  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Money Moment  Turning 9-to-5 Burnout into 24 Doors (in a Year and a Half!)  What to Do Before You Quit the High-Pay & Benefits of Corporate World  Physician on FIRE’s Tax Loss Harvesting Blogs:  Top 5 Tax Loss Harvesting Tips  Tax Loss Harvesting with Vanguard    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-483     Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email us: moneymoment@biggerpockets.com]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[At twenty-nine years old, Andy Johnson had achieved lean FIRE. He had enough to survive but not enough to make his future family comfortably financially free. All he needed to do was work a little longer, make a bit more money, and intensely invest. That plan went out the window when Andy woke up one day, unable to return to work. The high levels of stress and constant demand from clients got to him. He quit his high-paying job with no plan.  Over the next year, Andy did something incredible. Even without a steady paycheck, he built a massive real estate portfolio in just ten months, bolstered his family’s investments, and now, a few years later, in his mid-thirties, hasachieved true financial independence. How did he do it in such a short amount of time WITHOUT a job? His method is one only the savviest of investors would have thought of.  In this episode, you’ll hear how Andy bought twenty-one rental properties in under a year, paid just $1,500 in taxes on a $200,000 gain, and was a]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
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<item>
	<title>482: How I Turned My Tiny Side Hustle into a Multi-Million Dollar Business</title>
	<link>https://biggerpocketsmoney.com/podcast/482-how-i-turned-my-tiny-side-hustle-into-a-multi-million-dollar-business/</link>
	<pubDate>Tue, 19 Dec 2023 07:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">9d9ab994-bed0-11ed-beb9-cb536359e213</guid>
	<description><![CDATA[How do you turn a TINY side hustle into a full-on income stream? Even more, how do you make your side hustle a multimillion-dollar business that employs dozens of people and gives you the financial freedom to do what YOU’RE passionate about? Today, we chat with Mari Llewelyn, founder of Bloom Nutrition, about her incredible journey of weight loss, financial literacy, starting a side hustle, and growing a HUGE business.  Mari’s entrepreneurial journey started long before she decided to make supplements. One day, she woke up and realized she had hit rock bottom. She was the heaviest she had ever been, had no money to her name, zero autonomy, and close-to-no willpower to pick herself back up. After growing tired of relying on her parents for money in college, she decided to get a job at the front desk of a gym.  She was making money, and things were starting to improve, but there was one big hurdle left: the weight. In this episode, Mari talks about her incredible journey to losing ninety pounds, how she started selling five-dollar workout programsfor extra cash, and her explosive social media growth that allowed her to build a multimillion-dollar business before age thirty!     In This Episode We Cover  Building money skills after being raised in a household where finances are “taboo”   How to pick yourself up when you’ve hit “rock bottom” financially and emotionally  Turning your social media followers into loyal customers when you start a business  Starting tiny side hustles and the EASY way Mari made her first self-employed dollars  Paid ads, marketing your product, and the one thing that helped Mari’s business explode  Developing products and how to know you’ve made something that customers will love   And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  Network with Other Investors on The Path to FIRE Through the BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Mindy on BiggerPockets  Scott on BiggerPockets  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Money Moment  Building a Massively Profitable Business Around Your Passions    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-482     Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email us: moneymoment@biggerpockets.com]]></description>
	<itunes:subtitle><![CDATA[How do you turn a TINY side hustle into a full-on income stream? Even more, how do you make your side hustle a multimillion-dollar business that employs dozens of people and gives you the financial freedom to do what YOU’RE passionate about? Today, we ch]]></itunes:subtitle>
	<content:encoded><![CDATA[How do you turn a TINY side hustle into a full-on income stream? Even more, how do you make your side hustle a multimillion-dollar business that employs dozens of people and gives you the financial freedom to do what YOU’RE passionate about? Today, we chat with Mari Llewelyn, founder of Bloom Nutrition, about her incredible journey of weight loss, financial literacy, starting a side hustle, and growing a HUGE business.  Mari’s entrepreneurial journey started long before she decided to make supplements. One day, she woke up and realized she had hit rock bottom. She was the heaviest she had ever been, had no money to her name, zero autonomy, and close-to-no willpower to pick herself back up. After growing tired of relying on her parents for money in college, she decided to get a job at the front desk of a gym.  She was making money, and things were starting to improve, but there was one big hurdle left: the weight. In this episode, Mari talks about her incredible journey to losing ninety pounds, how she started selling five-dollar workout programsfor extra cash, and her explosive social media growth that allowed her to build a multimillion-dollar business before age thirty!     In This Episode We Cover  Building money skills after being raised in a household where finances are “taboo”   How to pick yourself up when you’ve hit “rock bottom” financially and emotionally  Turning your social media followers into loyal customers when you start a business  Starting tiny side hustles and the EASY way Mari made her first self-employed dollars  Paid ads, marketing your product, and the one thing that helped Mari’s business explode  Developing products and how to know you’ve made something that customers will love   And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  Network with Other Investors on The Path to FIRE Through the BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Mindy on BiggerPockets  Scott on BiggerPockets  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Money Moment  Building a Massively Profitable Business Around Your Passions    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-482     Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email us: moneymoment@biggerpockets.com]]></content:encoded>
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	<itunes:summary><![CDATA[How do you turn a TINY side hustle into a full-on income stream? Even more, how do you make your side hustle a multimillion-dollar business that employs dozens of people and gives you the financial freedom to do what YOU’RE passionate about? Today, we chat with Mari Llewelyn, founder of Bloom Nutrition, about her incredible journey of weight loss, financial literacy, starting a side hustle, and growing a HUGE business.  Mari’s entrepreneurial journey started long before she decided to make supplements. One day, she woke up and realized she had hit rock bottom. She was the heaviest she had ever been, had no money to her name, zero autonomy, and close-to-no willpower to pick herself back up. After growing tired of relying on her parents for money in college, she decided to get a job at the front desk of a gym.  She was making money, and things were starting to improve, but there was one big hurdle left: the weight. In this episode, Mari talks about her incredible journey to losing ninety pounds, how she started selling five-dollar workout programsfor extra cash, and her explosive social media growth that allowed her to build a multimillion-dollar business before age thirty!     In This Episode We Cover  Building money skills after being raised in a household where finances are “taboo”   How to pick yourself up when you’ve hit “rock bottom” financially and emotionally  Turning your social media followers into loyal customers when you start a business  Starting tiny side hustles and the EASY way Mari made her first self-employed dollars  Paid ads, marketing your product, and the one thing that helped Mari’s business explode  Developing products and how to know you’ve made something that customers will love   And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  Network with Other Investors on The Path to FIRE Through the BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Mindy on BiggerPockets  Scott on BiggerPockets  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Money Moment  Building a Massively Profitable Business Around Your Passions    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-482     Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email us: moneymoment@biggerpockets.com]]></itunes:summary>
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	<itunes:block>no</itunes:block>
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	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[How do you turn a TINY side hustle into a full-on income stream? Even more, how do you make your side hustle a multimillion-dollar business that employs dozens of people and gives you the financial freedom to do what YOU’RE passionate about? Today, we chat with Mari Llewelyn, founder of Bloom Nutrition, about her incredible journey of weight loss, financial literacy, starting a side hustle, and growing a HUGE business.  Mari’s entrepreneurial journey started long before she decided to make supplements. One day, she woke up and realized she had hit rock bottom. She was the heaviest she had ever been, had no money to her name, zero autonomy, and close-to-no willpower to pick herself back up. After growing tired of relying on her parents for money in college, she decided to get a job at the front desk of a gym.  She was making money, and things were starting to improve, but there was one big hurdle left: the weight. In this episode, Mari talks about her incredible journey to losing ninet]]></googleplay:description>
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<item>
	<title>481: Building a $1 Million Net Worth in Only 3 Years by Investing in Real Estate</title>
	<link>https://biggerpocketsmoney.com/podcast/481-building-a-1-million-net-worth-in-only-3-years-by-investing-in-real-estate/</link>
	<pubDate>Fri, 15 Dec 2023 07:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">9ddc5886-bed0-11ed-beb9-a30f673c2d81</guid>
	<description><![CDATA[Most people know that investing in real estate is one of the best ways to reach financial independence, but very few ever take action. Once today’s guest discovered the potential of real estate, however, it became his obsession. Despite starting out on a low military salary, he built a million-dollar net worth in just THREE YEARS!  In this episode, we’re catching up with entrepreneur, investor, and repeat guest Jabbar Adesada. Since we last spoke with Jabbar, he has only doubled down on his real estate dream and journey to financial freedom—dabbling in several different investing strategies and teaming up with a partner to get more deals done. Today, Jabbar owns a slew of short-term rentals and long-term rentals, has completed several BRRRR projects (Buy, Rehab, Rent, Refinance, Repeat), and has more than a dozen construction projects in the works.  If you want to reach your FIRE goal as soon as possible, tune in to hear how Jabbar used real estate to expedite his journey. He shares how he was able to save up for a down payment with a low income, get his first home loan with almost no credit history, and rapidly increase his income!    In This Episode We Cover  Reaching financial independence by investing in real estate  How Jabbar built a million-dollar net worth in only THREE years  Combining multiple real estate investing strategies within your portfolio  How to choose the perfect real estate market to invest in  Finding a partner and building out your real estate network  And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  Network with Other Investors on The Path to FIRE Through the BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Mindy on BiggerPockets  Scott on BiggerPockets  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Money Moment  Grab Your Copy of “First to a Million” by Dan Cheeks  20-Year-Old Minimum Wage Marine with $850k in Real Estate  Coast FI in 4 Years: Cutting Expenses, Doubling Your Income, & HUGE Savings    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-481     Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email us: moneymoment@biggerpockets.com]]></description>
	<itunes:subtitle><![CDATA[Most people know that investing in real estate is one of the best ways to reach financial independence, but very few ever take action. Once today’s guest discovered the potential of real estate, however, it became his obsession. Despite starting out on a]]></itunes:subtitle>
	<content:encoded><![CDATA[Most people know that investing in real estate is one of the best ways to reach financial independence, but very few ever take action. Once today’s guest discovered the potential of real estate, however, it became his obsession. Despite starting out on a low military salary, he built a million-dollar net worth in just THREE YEARS!  In this episode, we’re catching up with entrepreneur, investor, and repeat guest Jabbar Adesada. Since we last spoke with Jabbar, he has only doubled down on his real estate dream and journey to financial freedom—dabbling in several different investing strategies and teaming up with a partner to get more deals done. Today, Jabbar owns a slew of short-term rentals and long-term rentals, has completed several BRRRR projects (Buy, Rehab, Rent, Refinance, Repeat), and has more than a dozen construction projects in the works.  If you want to reach your FIRE goal as soon as possible, tune in to hear how Jabbar used real estate to expedite his journey. He shares how he was able to save up for a down payment with a low income, get his first home loan with almost no credit history, and rapidly increase his income!    In This Episode We Cover  Reaching financial independence by investing in real estate  How Jabbar built a million-dollar net worth in only THREE years  Combining multiple real estate investing strategies within your portfolio  How to choose the perfect real estate market to invest in  Finding a partner and building out your real estate network  And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  Network with Other Investors on The Path to FIRE Through the BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Mindy on BiggerPockets  Scott on BiggerPockets  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Money Moment  Grab Your Copy of “First to a Million” by Dan Cheeks  20-Year-Old Minimum Wage Marine with $850k in Real Estate  Coast FI in 4 Years: Cutting Expenses, Doubling Your Income, & HUGE Savings    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-481     Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email us: moneymoment@biggerpockets.com]]></content:encoded>
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	<itunes:summary><![CDATA[Most people know that investing in real estate is one of the best ways to reach financial independence, but very few ever take action. Once today’s guest discovered the potential of real estate, however, it became his obsession. Despite starting out on a low military salary, he built a million-dollar net worth in just THREE YEARS!  In this episode, we’re catching up with entrepreneur, investor, and repeat guest Jabbar Adesada. Since we last spoke with Jabbar, he has only doubled down on his real estate dream and journey to financial freedom—dabbling in several different investing strategies and teaming up with a partner to get more deals done. Today, Jabbar owns a slew of short-term rentals and long-term rentals, has completed several BRRRR projects (Buy, Rehab, Rent, Refinance, Repeat), and has more than a dozen construction projects in the works.  If you want to reach your FIRE goal as soon as possible, tune in to hear how Jabbar used real estate to expedite his journey. He shares how he was able to save up for a down payment with a low income, get his first home loan with almost no credit history, and rapidly increase his income!    In This Episode We Cover  Reaching financial independence by investing in real estate  How Jabbar built a million-dollar net worth in only THREE years  Combining multiple real estate investing strategies within your portfolio  How to choose the perfect real estate market to invest in  Finding a partner and building out your real estate network  And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  Network with Other Investors on The Path to FIRE Through the BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Mindy on BiggerPockets  Scott on BiggerPockets  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Money Moment  Grab Your Copy of “First to a Million” by Dan Cheeks  20-Year-Old Minimum Wage Marine with $850k in Real Estate  Coast FI in 4 Years: Cutting Expenses, Doubling Your Income, & HUGE Savings    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-481     Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email us: moneymoment@biggerpockets.com]]></itunes:summary>
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	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[Most people know that investing in real estate is one of the best ways to reach financial independence, but very few ever take action. Once today’s guest discovered the potential of real estate, however, it became his obsession. Despite starting out on a low military salary, he built a million-dollar net worth in just THREE YEARS!  In this episode, we’re catching up with entrepreneur, investor, and repeat guest Jabbar Adesada. Since we last spoke with Jabbar, he has only doubled down on his real estate dream and journey to financial freedom—dabbling in several different investing strategies and teaming up with a partner to get more deals done. Today, Jabbar owns a slew of short-term rentals and long-term rentals, has completed several BRRRR projects (Buy, Rehab, Rent, Refinance, Repeat), and has more than a dozen construction projects in the works.  If you want to reach your FIRE goal as soon as possible, tune in to hear how Jabbar used real estate to expedite his journey. He shares h]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
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<item>
	<title>480: The Millionaire Fast-Track: How to Hit Financial Freedom Before 30</title>
	<link>https://biggerpocketsmoney.com/podcast/480-the-millionaire-fast-track-how-to-hit-financial-freedom-before-30/</link>
	<pubDate>Wed, 13 Dec 2023 07:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">df2cef8e-9969-11ee-8907-c73fb53d9b89</guid>
	<description><![CDATA[This eighteen and twenty-two year old are on track to reach financial freedom by the age of thirty. And if you think that you can’t make big money moves because you don’t have the experience, resources, or income to build wealth, think again. These two young adults are on the path to making millions in their lifetime, and if you’re in your late teens or twenties or have children or grandchildren who are, THIS is the episode to watch.  First, we talk to Gloria Stonelake, an eighteen-year-old who runs a social media marketing agency on track to bring in six figures in income a year. She’s still technically a high school student but spends almost all her time working on her business, learning leadership, and getting leads for her clients. She ditched the traditional route of getting a diploma, a degree, and THEN a job and skipped right to the money-making part. She has some incredible advice for ANYONE who wants to start their own business, no matter your age!  Next, Ben Carver joins us to talk about his high school house-flipping side hustle, how he became a real estate agent before getting his college degree, and the newest house hack he’s set to buy at just twenty-two years old! By thirty, both Ben and Gloria should be financially free, and if you want to hit FIRE in your 30s, 40s, 50s, or 60s, these wunderkinds are two to watch!    In This Episode We Cover  How to build a six-figure business, no matter your age or experience level  Why ditching the college degree may be a smart move for entrepreneurial teens and twenty-year-olds  Why your financial background does NOT determine whether or not you’ll hit FIRE  Entrepreneurial tips to take and challenges you must prepare for to succeed  How to live for free and start building a real estate portfolio EARLY in life  The one piece of advice Mindy and Scott wish they could give their younger selves  And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  Network with Other Investors on The Path to FIRE Through the BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Mindy on BiggerPockets  Scott on BiggerPockets  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Money Moment  Make an Extra $100/Day with These Work-From-Home Side Hustles  Is It Time to Give Up on Financial Independence? (Mad Fientist)  Join the Sheeks Freaks    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-480     Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email us: moneymoment@biggerpockets.com]]></description>
	<itunes:subtitle><![CDATA[This eighteen and twenty-two year old are on track to reach financial freedom by the age of thirty. And if you think that you can’t make big money moves because you don’t have the experience, resources, or income to build wealth, think again. These two y]]></itunes:subtitle>
	<content:encoded><![CDATA[This eighteen and twenty-two year old are on track to reach financial freedom by the age of thirty. And if you think that you can’t make big money moves because you don’t have the experience, resources, or income to build wealth, think again. These two young adults are on the path to making millions in their lifetime, and if you’re in your late teens or twenties or have children or grandchildren who are, THIS is the episode to watch.  First, we talk to Gloria Stonelake, an eighteen-year-old who runs a social media marketing agency on track to bring in six figures in income a year. She’s still technically a high school student but spends almost all her time working on her business, learning leadership, and getting leads for her clients. She ditched the traditional route of getting a diploma, a degree, and THEN a job and skipped right to the money-making part. She has some incredible advice for ANYONE who wants to start their own business, no matter your age!  Next, Ben Carver joins us to talk about his high school house-flipping side hustle, how he became a real estate agent before getting his college degree, and the newest house hack he’s set to buy at just twenty-two years old! By thirty, both Ben and Gloria should be financially free, and if you want to hit FIRE in your 30s, 40s, 50s, or 60s, these wunderkinds are two to watch!    In This Episode We Cover  How to build a six-figure business, no matter your age or experience level  Why ditching the college degree may be a smart move for entrepreneurial teens and twenty-year-olds  Why your financial background does NOT determine whether or not you’ll hit FIRE  Entrepreneurial tips to take and challenges you must prepare for to succeed  How to live for free and start building a real estate portfolio EARLY in life  The one piece of advice Mindy and Scott wish they could give their younger selves  And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  Network with Other Investors on The Path to FIRE Through the BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Mindy on BiggerPockets  Scott on BiggerPockets  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Money Moment  Make an Extra $100/Day with These Work-From-Home Side Hustles  Is It Time to Give Up on Financial Independence? (Mad Fientist)  Join the Sheeks Freaks    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-480     Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email us: moneymoment@biggerpockets.com]]></content:encoded>
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	<itunes:summary><![CDATA[This eighteen and twenty-two year old are on track to reach financial freedom by the age of thirty. And if you think that you can’t make big money moves because you don’t have the experience, resources, or income to build wealth, think again. These two young adults are on the path to making millions in their lifetime, and if you’re in your late teens or twenties or have children or grandchildren who are, THIS is the episode to watch.  First, we talk to Gloria Stonelake, an eighteen-year-old who runs a social media marketing agency on track to bring in six figures in income a year. She’s still technically a high school student but spends almost all her time working on her business, learning leadership, and getting leads for her clients. She ditched the traditional route of getting a diploma, a degree, and THEN a job and skipped right to the money-making part. She has some incredible advice for ANYONE who wants to start their own business, no matter your age!  Next, Ben Carver joins us to talk about his high school house-flipping side hustle, how he became a real estate agent before getting his college degree, and the newest house hack he’s set to buy at just twenty-two years old! By thirty, both Ben and Gloria should be financially free, and if you want to hit FIRE in your 30s, 40s, 50s, or 60s, these wunderkinds are two to watch!    In This Episode We Cover  How to build a six-figure business, no matter your age or experience level  Why ditching the college degree may be a smart move for entrepreneurial teens and twenty-year-olds  Why your financial background does NOT determine whether or not you’ll hit FIRE  Entrepreneurial tips to take and challenges you must prepare for to succeed  How to live for free and start building a real estate portfolio EARLY in life  The one piece of advice Mindy and Scott wish they could give their younger selves  And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  Network with Other Investors on The Path to FIRE Through the BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Mindy on BiggerPockets  Scott on BiggerPockets  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Money Moment  Make an Extra $100/Day with These Work-From-Home Side Hustles  Is It Time to Give Up on Financial Independence? (Mad Fientist)  Join the Sheeks Freaks    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-480     Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email us: moneymoment@biggerpockets.com]]></itunes:summary>
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	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[This eighteen and twenty-two year old are on track to reach financial freedom by the age of thirty. And if you think that you can’t make big money moves because you don’t have the experience, resources, or income to build wealth, think again. These two young adults are on the path to making millions in their lifetime, and if you’re in your late teens or twenties or have children or grandchildren who are, THIS is the episode to watch.  First, we talk to Gloria Stonelake, an eighteen-year-old who runs a social media marketing agency on track to bring in six figures in income a year. She’s still technically a high school student but spends almost all her time working on her business, learning leadership, and getting leads for her clients. She ditched the traditional route of getting a diploma, a degree, and THEN a job and skipped right to the money-making part. She has some incredible advice for ANYONE who wants to start their own business, no matter your age!  Next, Ben Carver joins us ]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
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<item>
	<title>479: How to Become a “Quiet” Millionaire and Avoid the Financial Guru Trap</title>
	<link>https://biggerpocketsmoney.com/podcast/479-how-to-become-a-quiet-millionaire-and-avoid-the-financial-guru-trap/</link>
	<pubDate>Tue, 12 Dec 2023 07:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">9d845d66-bed0-11ed-beb9-07c4696de7b0</guid>
	<description><![CDATA[Don’t strive to become rich. Instead, become a “quiet” millionaire like Tae Kim, the “Financial Tortoise.” You’ve seen the flashy cars, fancy champagne, and private jets of the online financial “gurus.” Then, like clockwork, you see these same people lose their wealth, go bankrupt, or disappear from the online world entirely. What happened to them, and where did all the “riches” go?  In today’s show, we talk to Tae about the slow, steady, unsexy way to build wealth and become a millionaire that most Americans will never understand. It’s far less risky than gambling your money away, day trading, or going high-leverage on risky real estate. Instead, you can sleep like a baby every night, knowing you have hundreds of thousands in the bank, millions in investments, and enough money to chase your dreams IF you follow Tae’s advice.  Tae’s path to wealth wasn’t complicated, but he did make a handful of money mistakes you won’t want to repeat. Afterpaying off over six figures in debt, Tae now serves as the financial hero we need but don’t deserve, teaching EVERYONE why the slow, quiet way to wealth is the smartest, most sustainable way to truly become “rich.” If you want to quit your job, do what you love, and live every day on YOUR schedule, stick around!    In This Episode We Cover  The “quiet” millionaire and why you want to be wealthy, NOT rich  Money mistakes that you should avoid at ALL costs when on the journey to financial independence  How much money you should have in the bank BEFORE you quit your job  Why so many financial “gurus” go broke within a few years of acquiring their wealth  How to define your “enough” so you don’t end up working your life away  Tae’s unbelievably simple investment advice for those just starting out  And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  Network with Other Investors on The Path to FIRE Through the BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Mindy on BiggerPockets  Scott on BiggerPockets  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Money Moment  10 Life & Money Lessons From Broke Financial Gurus    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-479     Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email us: moneymoment@biggerpockets.com]]></description>
	<itunes:subtitle><![CDATA[Don’t strive to become rich. Instead, become a “quiet” millionaire like Tae Kim, the “Financial Tortoise.” You’ve seen the flashy cars, fancy champagne, and private jets of the online financial “gurus.” Then, like clockwork, you see these same people los]]></itunes:subtitle>
	<content:encoded><![CDATA[Don’t strive to become rich. Instead, become a “quiet” millionaire like Tae Kim, the “Financial Tortoise.” You’ve seen the flashy cars, fancy champagne, and private jets of the online financial “gurus.” Then, like clockwork, you see these same people lose their wealth, go bankrupt, or disappear from the online world entirely. What happened to them, and where did all the “riches” go?  In today’s show, we talk to Tae about the slow, steady, unsexy way to build wealth and become a millionaire that most Americans will never understand. It’s far less risky than gambling your money away, day trading, or going high-leverage on risky real estate. Instead, you can sleep like a baby every night, knowing you have hundreds of thousands in the bank, millions in investments, and enough money to chase your dreams IF you follow Tae’s advice.  Tae’s path to wealth wasn’t complicated, but he did make a handful of money mistakes you won’t want to repeat. Afterpaying off over six figures in debt, Tae now serves as the financial hero we need but don’t deserve, teaching EVERYONE why the slow, quiet way to wealth is the smartest, most sustainable way to truly become “rich.” If you want to quit your job, do what you love, and live every day on YOUR schedule, stick around!    In This Episode We Cover  The “quiet” millionaire and why you want to be wealthy, NOT rich  Money mistakes that you should avoid at ALL costs when on the journey to financial independence  How much money you should have in the bank BEFORE you quit your job  Why so many financial “gurus” go broke within a few years of acquiring their wealth  How to define your “enough” so you don’t end up working your life away  Tae’s unbelievably simple investment advice for those just starting out  And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  Network with Other Investors on The Path to FIRE Through the BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Mindy on BiggerPockets  Scott on BiggerPockets  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Money Moment  10 Life & Money Lessons From Broke Financial Gurus    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-479     Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email us: moneymoment@biggerpockets.com]]></content:encoded>
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	<itunes:summary><![CDATA[Don’t strive to become rich. Instead, become a “quiet” millionaire like Tae Kim, the “Financial Tortoise.” You’ve seen the flashy cars, fancy champagne, and private jets of the online financial “gurus.” Then, like clockwork, you see these same people lose their wealth, go bankrupt, or disappear from the online world entirely. What happened to them, and where did all the “riches” go?  In today’s show, we talk to Tae about the slow, steady, unsexy way to build wealth and become a millionaire that most Americans will never understand. It’s far less risky than gambling your money away, day trading, or going high-leverage on risky real estate. Instead, you can sleep like a baby every night, knowing you have hundreds of thousands in the bank, millions in investments, and enough money to chase your dreams IF you follow Tae’s advice.  Tae’s path to wealth wasn’t complicated, but he did make a handful of money mistakes you won’t want to repeat. Afterpaying off over six figures in debt, Tae now serves as the financial hero we need but don’t deserve, teaching EVERYONE why the slow, quiet way to wealth is the smartest, most sustainable way to truly become “rich.” If you want to quit your job, do what you love, and live every day on YOUR schedule, stick around!    In This Episode We Cover  The “quiet” millionaire and why you want to be wealthy, NOT rich  Money mistakes that you should avoid at ALL costs when on the journey to financial independence  How much money you should have in the bank BEFORE you quit your job  Why so many financial “gurus” go broke within a few years of acquiring their wealth  How to define your “enough” so you don’t end up working your life away  Tae’s unbelievably simple investment advice for those just starting out  And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  Network with Other Investors on The Path to FIRE Through the BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Mindy on BiggerPockets  Scott on BiggerPockets  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Money Moment  10 Life & Money Lessons From Broke Financial Gurus    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-479     Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email us: moneymoment@biggerpockets.com]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[Don’t strive to become rich. Instead, become a “quiet” millionaire like Tae Kim, the “Financial Tortoise.” You’ve seen the flashy cars, fancy champagne, and private jets of the online financial “gurus.” Then, like clockwork, you see these same people lose their wealth, go bankrupt, or disappear from the online world entirely. What happened to them, and where did all the “riches” go?  In today’s show, we talk to Tae about the slow, steady, unsexy way to build wealth and become a millionaire that most Americans will never understand. It’s far less risky than gambling your money away, day trading, or going high-leverage on risky real estate. Instead, you can sleep like a baby every night, knowing you have hundreds of thousands in the bank, millions in investments, and enough money to chase your dreams IF you follow Tae’s advice.  Tae’s path to wealth wasn’t complicated, but he did make a handful of money mistakes you won’t want to repeat. Afterpaying off over six figures in debt, Tae now]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
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<item>
	<title>478: Need Funds for Your Business? How to Get FREE Money Through Business Grants</title>
	<link>https://biggerpocketsmoney.com/podcast/478-need-funds-for-your-business-how-to-get-free-money-through-business-grants/</link>
	<pubDate>Fri, 08 Dec 2023 07:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">9dc73a00-bed0-11ed-beb9-fbf9c691d0c6</guid>
	<description><![CDATA[Are you sitting on an amazing business idea? Knowing how to get money to start a business is a critical first step to getting your concept off the ground. While there are all kinds of funding options, you may be able to get FREE moneywith a grant. That’s exactly what today’s guests did!  Welcome back to the BiggerPockets Money podcast! Today, we’re chatting with Cheryl Edmundson and Erin Jacobsen from Inclusive GameWerks—a fledgling business that has developed an inclusive pinball controller for people with disabilities. After building the first prototype for a close friend, they realized the device’s incredible potential. So, they went right to work—fine-tuning the design, structuring their business, and, of course, looking for ways to fund their new venture. Before long, they had landed a ten-thousand-dollar grant to get their operation up and running!  If you’ve got an entrepreneurial spirit and a great business idea, this is an episode you won’t want to miss! Tune in as Cheryl and Erin show you how to launch a business alongside your nine-to-five job, find your lane in an established market, and get FREE money for your business!    In This Episode We Cover  How to get FREE money to start your new business  How to find, apply, and get approved for a business grant  Using grant money appropriately within a for-profit business  The best ways to structure your new business  Building a business without leaving your nine-to-five  Driving your business forward through the power of networking  And So Much More!  Links from the Show  BiggerPockets Money Facebook Group  Network with Other Investors on The Path to FIRE Through the BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Mindy on BiggerPockets  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Money Moment  Building a Massively Profitable Business Around Your Passions    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-478     Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email us: moneymoment@biggerpockets.com]]></description>
	<itunes:subtitle><![CDATA[Are you sitting on an amazing business idea? Knowing how to get money to start a business is a critical first step to getting your concept off the ground. While there are all kinds of funding options, you may be able to get FREE moneywith a grant. That’s]]></itunes:subtitle>
	<content:encoded><![CDATA[Are you sitting on an amazing business idea? Knowing how to get money to start a business is a critical first step to getting your concept off the ground. While there are all kinds of funding options, you may be able to get FREE moneywith a grant. That’s exactly what today’s guests did!  Welcome back to the BiggerPockets Money podcast! Today, we’re chatting with Cheryl Edmundson and Erin Jacobsen from Inclusive GameWerks—a fledgling business that has developed an inclusive pinball controller for people with disabilities. After building the first prototype for a close friend, they realized the device’s incredible potential. So, they went right to work—fine-tuning the design, structuring their business, and, of course, looking for ways to fund their new venture. Before long, they had landed a ten-thousand-dollar grant to get their operation up and running!  If you’ve got an entrepreneurial spirit and a great business idea, this is an episode you won’t want to miss! Tune in as Cheryl and Erin show you how to launch a business alongside your nine-to-five job, find your lane in an established market, and get FREE money for your business!    In This Episode We Cover  How to get FREE money to start your new business  How to find, apply, and get approved for a business grant  Using grant money appropriately within a for-profit business  The best ways to structure your new business  Building a business without leaving your nine-to-five  Driving your business forward through the power of networking  And So Much More!  Links from the Show  BiggerPockets Money Facebook Group  Network with Other Investors on The Path to FIRE Through the BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Mindy on BiggerPockets  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Money Moment  Building a Massively Profitable Business Around Your Passions    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-478     Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email us: moneymoment@biggerpockets.com]]></content:encoded>
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	<itunes:summary><![CDATA[Are you sitting on an amazing business idea? Knowing how to get money to start a business is a critical first step to getting your concept off the ground. While there are all kinds of funding options, you may be able to get FREE moneywith a grant. That’s exactly what today’s guests did!  Welcome back to the BiggerPockets Money podcast! Today, we’re chatting with Cheryl Edmundson and Erin Jacobsen from Inclusive GameWerks—a fledgling business that has developed an inclusive pinball controller for people with disabilities. After building the first prototype for a close friend, they realized the device’s incredible potential. So, they went right to work—fine-tuning the design, structuring their business, and, of course, looking for ways to fund their new venture. Before long, they had landed a ten-thousand-dollar grant to get their operation up and running!  If you’ve got an entrepreneurial spirit and a great business idea, this is an episode you won’t want to miss! Tune in as Cheryl and Erin show you how to launch a business alongside your nine-to-five job, find your lane in an established market, and get FREE money for your business!    In This Episode We Cover  How to get FREE money to start your new business  How to find, apply, and get approved for a business grant  Using grant money appropriately within a for-profit business  The best ways to structure your new business  Building a business without leaving your nine-to-five  Driving your business forward through the power of networking  And So Much More!  Links from the Show  BiggerPockets Money Facebook Group  Network with Other Investors on The Path to FIRE Through the BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Mindy on BiggerPockets  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Money Moment  Building a Massively Profitable Business Around Your Passions    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-478     Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email us: moneymoment@biggerpockets.com]]></itunes:summary>
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	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[Are you sitting on an amazing business idea? Knowing how to get money to start a business is a critical first step to getting your concept off the ground. While there are all kinds of funding options, you may be able to get FREE moneywith a grant. That’s exactly what today’s guests did!  Welcome back to the BiggerPockets Money podcast! Today, we’re chatting with Cheryl Edmundson and Erin Jacobsen from Inclusive GameWerks—a fledgling business that has developed an inclusive pinball controller for people with disabilities. After building the first prototype for a close friend, they realized the device’s incredible potential. So, they went right to work—fine-tuning the design, structuring their business, and, of course, looking for ways to fund their new venture. Before long, they had landed a ten-thousand-dollar grant to get their operation up and running!  If you’ve got an entrepreneurial spirit and a great business idea, this is an episode you won’t want to miss! Tune in as Cheryl and]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
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<item>
	<title>477: Year-End Tax Planning Tips You NEED to Know Before the 2024 Tax Season</title>
	<link>https://biggerpocketsmoney.com/podcast/477-year-end-tax-planning-tips-you-need-to-know-before-the-2024-tax-season/</link>
	<pubDate>Wed, 06 Dec 2023 07:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">1c02aab2-93bf-11ee-bae4-930e39342df7</guid>
	<description><![CDATA[With 2024 right around the corner, it’s time for a final year-end tax planning push! There are all kinds of ways to pay less to the IRS, and today’s guest is here to help you save as much money as possible!  Welcome back to the BiggerPockets Money podcast! Today, we’re joined by certified public accountant and financial planner Sean Mullaney. In this episode, Sean delivers a thorough breakdown of everything you should be doing to lower your tax burden for not only 2023 but also over your entire lifetime. While there are many moves you can make before this year’s filing deadline, you don’t have to make them all at once. Sean shares how most tax moves fall into one of three “buckets”—moves that should be handled urgently, by year-end, or in early 2024.  Whether you’re rushing to tie up loose ends in 2023 or looking to maximize retirement savings, Sean offers a variety of helpful tax tips for those in different phases of life. You’ll learn how to reap the tax benefits of donor-advised funds, how to time a Roth conversion, and how to avoid giving the IRS a large interest-free loan!    In This Episode We Cover  Tax moves to make immediately, by year-end, and in early 2024  New tax-saving strategies to start implementing next year  Lowering your total lifetime tax burden with the Roth conversion strategy  How to get a tax deduction and avoid capital gains tax with a donor-advised fund  The BEST retirement accounts for entrepreneurs and self-employed individuals  How to choose the perfect health insurance plan for you in 2024  And So Much More!    DISCLAIMER: "The discussion is intended to be for general educational purposes and is not tax, legal, or investment advice for any individual. Scott, Mindy, BiggerPockets, and the BiggerPockets Money podcast do not endorse Sean Mullaney, Mullaney Financial & Tax, Inc. and their services."    Links from the Show  BiggerPockets Money Facebook Group  Network with Other Investors on the BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Scott on BiggerPockets  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Money Moment  What You Need to Do NOW to Pay Fewer Taxes in 2024  I’m Over Paying Taxes, So Here’s How I Plan to Significantly (and Legally) Lower My Liability  The FI Tax Guy    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-477     Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email us: moneymoment@biggerpockets.com]]></description>
	<itunes:subtitle><![CDATA[With 2024 right around the corner, it’s time for a final year-end tax planning push! There are all kinds of ways to pay less to the IRS, and today’s guest is here to help you save as much money as possible!  Welcome back to the BiggerPockets Money podcas]]></itunes:subtitle>
	<content:encoded><![CDATA[With 2024 right around the corner, it’s time for a final year-end tax planning push! There are all kinds of ways to pay less to the IRS, and today’s guest is here to help you save as much money as possible!  Welcome back to the BiggerPockets Money podcast! Today, we’re joined by certified public accountant and financial planner Sean Mullaney. In this episode, Sean delivers a thorough breakdown of everything you should be doing to lower your tax burden for not only 2023 but also over your entire lifetime. While there are many moves you can make before this year’s filing deadline, you don’t have to make them all at once. Sean shares how most tax moves fall into one of three “buckets”—moves that should be handled urgently, by year-end, or in early 2024.  Whether you’re rushing to tie up loose ends in 2023 or looking to maximize retirement savings, Sean offers a variety of helpful tax tips for those in different phases of life. You’ll learn how to reap the tax benefits of donor-advised funds, how to time a Roth conversion, and how to avoid giving the IRS a large interest-free loan!    In This Episode We Cover  Tax moves to make immediately, by year-end, and in early 2024  New tax-saving strategies to start implementing next year  Lowering your total lifetime tax burden with the Roth conversion strategy  How to get a tax deduction and avoid capital gains tax with a donor-advised fund  The BEST retirement accounts for entrepreneurs and self-employed individuals  How to choose the perfect health insurance plan for you in 2024  And So Much More!    DISCLAIMER: "The discussion is intended to be for general educational purposes and is not tax, legal, or investment advice for any individual. Scott, Mindy, BiggerPockets, and the BiggerPockets Money podcast do not endorse Sean Mullaney, Mullaney Financial & Tax, Inc. and their services."    Links from the Show  BiggerPockets Money Facebook Group  Network with Other Investors on the BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Scott on BiggerPockets  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Money Moment  What You Need to Do NOW to Pay Fewer Taxes in 2024  I’m Over Paying Taxes, So Here’s How I Plan to Significantly (and Legally) Lower My Liability  The FI Tax Guy    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-477     Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email us: moneymoment@biggerpockets.com]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC3455265811.mp3" length="33777717" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[With 2024 right around the corner, it’s time for a final year-end tax planning push! There are all kinds of ways to pay less to the IRS, and today’s guest is here to help you save as much money as possible!  Welcome back to the BiggerPockets Money podcast! Today, we’re joined by certified public accountant and financial planner Sean Mullaney. In this episode, Sean delivers a thorough breakdown of everything you should be doing to lower your tax burden for not only 2023 but also over your entire lifetime. While there are many moves you can make before this year’s filing deadline, you don’t have to make them all at once. Sean shares how most tax moves fall into one of three “buckets”—moves that should be handled urgently, by year-end, or in early 2024.  Whether you’re rushing to tie up loose ends in 2023 or looking to maximize retirement savings, Sean offers a variety of helpful tax tips for those in different phases of life. You’ll learn how to reap the tax benefits of donor-advised funds, how to time a Roth conversion, and how to avoid giving the IRS a large interest-free loan!    In This Episode We Cover  Tax moves to make immediately, by year-end, and in early 2024  New tax-saving strategies to start implementing next year  Lowering your total lifetime tax burden with the Roth conversion strategy  How to get a tax deduction and avoid capital gains tax with a donor-advised fund  The BEST retirement accounts for entrepreneurs and self-employed individuals  How to choose the perfect health insurance plan for you in 2024  And So Much More!    DISCLAIMER: "The discussion is intended to be for general educational purposes and is not tax, legal, or investment advice for any individual. Scott, Mindy, BiggerPockets, and the BiggerPockets Money podcast do not endorse Sean Mullaney, Mullaney Financial & Tax, Inc. and their services."    Links from the Show  BiggerPockets Money Facebook Group  Network with Other Investors on the BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Scott on BiggerPockets  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Money Moment  What You Need to Do NOW to Pay Fewer Taxes in 2024  I’m Over Paying Taxes, So Here’s How I Plan to Significantly (and Legally) Lower My Liability  The FI Tax Guy    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-477     Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email us: moneymoment@biggerpockets.com]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[With 2024 right around the corner, it’s time for a final year-end tax planning push! There are all kinds of ways to pay less to the IRS, and today’s guest is here to help you save as much money as possible!  Welcome back to the BiggerPockets Money podcast! Today, we’re joined by certified public accountant and financial planner Sean Mullaney. In this episode, Sean delivers a thorough breakdown of everything you should be doing to lower your tax burden for not only 2023 but also over your entire lifetime. While there are many moves you can make before this year’s filing deadline, you don’t have to make them all at once. Sean shares how most tax moves fall into one of three “buckets”—moves that should be handled urgently, by year-end, or in early 2024.  Whether you’re rushing to tie up loose ends in 2023 or looking to maximize retirement savings, Sean offers a variety of helpful tax tips for those in different phases of life. You’ll learn how to reap the tax benefits of donor-advised fu]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
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<item>
	<title>476: The Real-Life Girlboss: How I Built Nasty Gal to a $100M Business</title>
	<link>https://biggerpocketsmoney.com/podcast/476-the-real-life-girlboss-how-i-built-nasty-gal-to-a-100m-business/</link>
	<pubDate>Tue, 05 Dec 2023 07:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
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	<description><![CDATA[Nasty Gal went from an eBay side hustle to a business doing $100M in sales in under a decade. Behind it was the most famous “Girlboss” in America, Sophia Amoruso. She had no business experience, management training, leadership coaching, background in logistics, business financials, or running an online shop. Somehow, she built a business to heights few entrepreneurs ever reach, owning an extremely profitable clothing empire and finding herself on the cover of Forbes. But then, Nasty Gal went bankrupt. What happened?  Sophia joins us on the show today to explain it all. She’ll share her full financial story, which included watching her parents go bankrupt, eventually selling her business, and seeing it suffer the same fate. From entrepreneurial mistakesto risks Sophia took that led her to massive financial success, Sophia has seen both success and failure, and she has priceless insight to offer any aspiring entrepreneur or investor.  If you want to build a business, invest in one, or start a profitable side hustle, Sophia can help. She’ll also uncover what led to Nasty Gal’s downfall, the pressure “Girlboss” put on her, and why growing too fast can kill your financial future.    In This Episode We Cover  How Sophia turned a thrifting side hustle into a nine-figure business   Hiring your first employee and why you DON’T want to over-scale your side hustle  Venture capital, investing in businesses, and when you should give up equity  Going bankrupt and rebuilding yourself after a financial failure  What Sophia is investing in NOW that’s helping her build even greater wealth  Advice for new entrepreneurs and anyone who wants to sell online  And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  Network with Other Investors on The Path to FIRE Through the BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Mindy on BiggerPockets  Scott on BiggerPockets  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Money Moment  Here’s What It Takes to Succeed as an Entrepreneur  Building a Massively Profitable Business Around Your Passions    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-476     Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email us: moneymoment@biggerpockets.com]]></description>
	<itunes:subtitle><![CDATA[Nasty Gal went from an eBay side hustle to a business doing $100M in sales in under a decade. Behind it was the most famous “Girlboss” in America, Sophia Amoruso. She had no business experience, management training, leadership coaching, background in log]]></itunes:subtitle>
	<content:encoded><![CDATA[Nasty Gal went from an eBay side hustle to a business doing $100M in sales in under a decade. Behind it was the most famous “Girlboss” in America, Sophia Amoruso. She had no business experience, management training, leadership coaching, background in logistics, business financials, or running an online shop. Somehow, she built a business to heights few entrepreneurs ever reach, owning an extremely profitable clothing empire and finding herself on the cover of Forbes. But then, Nasty Gal went bankrupt. What happened?  Sophia joins us on the show today to explain it all. She’ll share her full financial story, which included watching her parents go bankrupt, eventually selling her business, and seeing it suffer the same fate. From entrepreneurial mistakesto risks Sophia took that led her to massive financial success, Sophia has seen both success and failure, and she has priceless insight to offer any aspiring entrepreneur or investor.  If you want to build a business, invest in one, or start a profitable side hustle, Sophia can help. She’ll also uncover what led to Nasty Gal’s downfall, the pressure “Girlboss” put on her, and why growing too fast can kill your financial future.    In This Episode We Cover  How Sophia turned a thrifting side hustle into a nine-figure business   Hiring your first employee and why you DON’T want to over-scale your side hustle  Venture capital, investing in businesses, and when you should give up equity  Going bankrupt and rebuilding yourself after a financial failure  What Sophia is investing in NOW that’s helping her build even greater wealth  Advice for new entrepreneurs and anyone who wants to sell online  And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  Network with Other Investors on The Path to FIRE Through the BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Mindy on BiggerPockets  Scott on BiggerPockets  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Money Moment  Here’s What It Takes to Succeed as an Entrepreneur  Building a Massively Profitable Business Around Your Passions    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-476     Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email us: moneymoment@biggerpockets.com]]></content:encoded>
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	<itunes:summary><![CDATA[Nasty Gal went from an eBay side hustle to a business doing $100M in sales in under a decade. Behind it was the most famous “Girlboss” in America, Sophia Amoruso. She had no business experience, management training, leadership coaching, background in logistics, business financials, or running an online shop. Somehow, she built a business to heights few entrepreneurs ever reach, owning an extremely profitable clothing empire and finding herself on the cover of Forbes. But then, Nasty Gal went bankrupt. What happened?  Sophia joins us on the show today to explain it all. She’ll share her full financial story, which included watching her parents go bankrupt, eventually selling her business, and seeing it suffer the same fate. From entrepreneurial mistakesto risks Sophia took that led her to massive financial success, Sophia has seen both success and failure, and she has priceless insight to offer any aspiring entrepreneur or investor.  If you want to build a business, invest in one, or start a profitable side hustle, Sophia can help. She’ll also uncover what led to Nasty Gal’s downfall, the pressure “Girlboss” put on her, and why growing too fast can kill your financial future.    In This Episode We Cover  How Sophia turned a thrifting side hustle into a nine-figure business   Hiring your first employee and why you DON’T want to over-scale your side hustle  Venture capital, investing in businesses, and when you should give up equity  Going bankrupt and rebuilding yourself after a financial failure  What Sophia is investing in NOW that’s helping her build even greater wealth  Advice for new entrepreneurs and anyone who wants to sell online  And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  Network with Other Investors on The Path to FIRE Through the BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Mindy on BiggerPockets  Scott on BiggerPockets  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Money Moment  Here’s What It Takes to Succeed as an Entrepreneur  Building a Massively Profitable Business Around Your Passions    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-476     Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email us: moneymoment@biggerpockets.com]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[Nasty Gal went from an eBay side hustle to a business doing $100M in sales in under a decade. Behind it was the most famous “Girlboss” in America, Sophia Amoruso. She had no business experience, management training, leadership coaching, background in logistics, business financials, or running an online shop. Somehow, she built a business to heights few entrepreneurs ever reach, owning an extremely profitable clothing empire and finding herself on the cover of Forbes. But then, Nasty Gal went bankrupt. What happened?  Sophia joins us on the show today to explain it all. She’ll share her full financial story, which included watching her parents go bankrupt, eventually selling her business, and seeing it suffer the same fate. From entrepreneurial mistakesto risks Sophia took that led her to massive financial success, Sophia has seen both success and failure, and she has priceless insight to offer any aspiring entrepreneur or investor.  If you want to build a business, invest in one, or s]]></googleplay:description>
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<item>
	<title>475: How to Get Rich Without Investing in Real Estate</title>
	<link>https://biggerpocketsmoney.com/podcast/475-how-to-get-rich-without-investing-in-real-estate/</link>
	<pubDate>Fri, 01 Dec 2023 07:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
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	<description><![CDATA[You want to know how to get rich. But you probably don’t want to deal with the tenants, toilets, trash, and constant headaches of investing in real estate. And even as the world’s biggest resource for real estate investors, we get it. The landlord lifestyle isn’t for everyone. Thankfully, real estate isn’t the ONLY way to get rich. There are five other time-tested ways to build wealth that don’t involve 2 A.M. tenant phone calls.  In today’s show, Mindy and Scott tag team the five best ways to build wealth without ever buying a rental property.These methods work for almost anyone, no matter how much (or how little) money you make or have in the bank. Some of these methods are more passive than others, requiring just minutes a month to start building wealth, while others can explode your income but require much more time.  But we’re not just giving you some experimental investment methods to try. Both Mindy and Scott have used most, if not all, of these methods to become rich themselves, and if you incorporate ANY of these methods into your life in 2024, there’s a good chance by this time next year, you could be way wealthier!     In This Episode We Cover  The five ways to get rich WITHOUT investing in real estate   The four “levers” of wealth you can pull to level up your financial lifestyle  “Boring” businesses and HUGE investment opportunities for those in their 20s, 30s, or 40s  Job hopping and why you could be underpaid and overworked at your current role  The investment accounts that can expedite your path to becoming a millionaire  The super passive investment anyone can use to build massive wealth in the background  And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  Network with Other Investors on The Path to FIRE Through the BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Mindy on BiggerPockets  Scott on BiggerPockets  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Money Moment  Past Episodes Mentioned in Today’s Show  Index Funds  Financial Mechanic  David Greene (1st Episode)  David Greene  “Boring” Businesses  Liquor Store Investment  Franchising  Side Hustles  Nick Loper (Side Hustle Nation)  Loan Signing Side Hustle    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-475     Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email us: moneymoment@biggerpockets.com]]></description>
	<itunes:subtitle><![CDATA[You want to know how to get rich. But you probably don’t want to deal with the tenants, toilets, trash, and constant headaches of investing in real estate. And even as the world’s biggest resource for real estate investors, we get it. The landlord lifest]]></itunes:subtitle>
	<content:encoded><![CDATA[You want to know how to get rich. But you probably don’t want to deal with the tenants, toilets, trash, and constant headaches of investing in real estate. And even as the world’s biggest resource for real estate investors, we get it. The landlord lifestyle isn’t for everyone. Thankfully, real estate isn’t the ONLY way to get rich. There are five other time-tested ways to build wealth that don’t involve 2 A.M. tenant phone calls.  In today’s show, Mindy and Scott tag team the five best ways to build wealth without ever buying a rental property.These methods work for almost anyone, no matter how much (or how little) money you make or have in the bank. Some of these methods are more passive than others, requiring just minutes a month to start building wealth, while others can explode your income but require much more time.  But we’re not just giving you some experimental investment methods to try. Both Mindy and Scott have used most, if not all, of these methods to become rich themselves, and if you incorporate ANY of these methods into your life in 2024, there’s a good chance by this time next year, you could be way wealthier!     In This Episode We Cover  The five ways to get rich WITHOUT investing in real estate   The four “levers” of wealth you can pull to level up your financial lifestyle  “Boring” businesses and HUGE investment opportunities for those in their 20s, 30s, or 40s  Job hopping and why you could be underpaid and overworked at your current role  The investment accounts that can expedite your path to becoming a millionaire  The super passive investment anyone can use to build massive wealth in the background  And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  Network with Other Investors on The Path to FIRE Through the BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Mindy on BiggerPockets  Scott on BiggerPockets  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Money Moment  Past Episodes Mentioned in Today’s Show  Index Funds  Financial Mechanic  David Greene (1st Episode)  David Greene  “Boring” Businesses  Liquor Store Investment  Franchising  Side Hustles  Nick Loper (Side Hustle Nation)  Loan Signing Side Hustle    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-475     Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email us: moneymoment@biggerpockets.com]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC6270014272.mp3" length="30175260" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[You want to know how to get rich. But you probably don’t want to deal with the tenants, toilets, trash, and constant headaches of investing in real estate. And even as the world’s biggest resource for real estate investors, we get it. The landlord lifestyle isn’t for everyone. Thankfully, real estate isn’t the ONLY way to get rich. There are five other time-tested ways to build wealth that don’t involve 2 A.M. tenant phone calls.  In today’s show, Mindy and Scott tag team the five best ways to build wealth without ever buying a rental property.These methods work for almost anyone, no matter how much (or how little) money you make or have in the bank. Some of these methods are more passive than others, requiring just minutes a month to start building wealth, while others can explode your income but require much more time.  But we’re not just giving you some experimental investment methods to try. Both Mindy and Scott have used most, if not all, of these methods to become rich themselves, and if you incorporate ANY of these methods into your life in 2024, there’s a good chance by this time next year, you could be way wealthier!     In This Episode We Cover  The five ways to get rich WITHOUT investing in real estate   The four “levers” of wealth you can pull to level up your financial lifestyle  “Boring” businesses and HUGE investment opportunities for those in their 20s, 30s, or 40s  Job hopping and why you could be underpaid and overworked at your current role  The investment accounts that can expedite your path to becoming a millionaire  The super passive investment anyone can use to build massive wealth in the background  And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  Network with Other Investors on The Path to FIRE Through the BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Mindy on BiggerPockets  Scott on BiggerPockets  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Money Moment  Past Episodes Mentioned in Today’s Show  Index Funds  Financial Mechanic  David Greene (1st Episode)  David Greene  “Boring” Businesses  Liquor Store Investment  Franchising  Side Hustles  Nick Loper (Side Hustle Nation)  Loan Signing Side Hustle    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-475     Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email us: moneymoment@biggerpockets.com]]></itunes:summary>
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	<itunes:block>no</itunes:block>
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	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[You want to know how to get rich. But you probably don’t want to deal with the tenants, toilets, trash, and constant headaches of investing in real estate. And even as the world’s biggest resource for real estate investors, we get it. The landlord lifestyle isn’t for everyone. Thankfully, real estate isn’t the ONLY way to get rich. There are five other time-tested ways to build wealth that don’t involve 2 A.M. tenant phone calls.  In today’s show, Mindy and Scott tag team the five best ways to build wealth without ever buying a rental property.These methods work for almost anyone, no matter how much (or how little) money you make or have in the bank. Some of these methods are more passive than others, requiring just minutes a month to start building wealth, while others can explode your income but require much more time.  But we’re not just giving you some experimental investment methods to try. Both Mindy and Scott have used most, if not all, of these methods to become rich themselve]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>474: Mindy and Scott&#8217;s Favorite Sleepaway Camp for FIRE Chasers</title>
	<link>https://biggerpocketsmoney.com/podcast/474-mindy-and-scotts-favorite-sleepaway-camp-for-fire-chasers/</link>
	<pubDate>Wed, 29 Nov 2023 07:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">5f1a5b14-8d58-11ee-858f-776485adc748</guid>
	<description><![CDATA[Deep in the forest, a secret financial independence summer camp is being held. Multiple times a year, all across the country, millionaires, financial freedom achievers, and those still on or just starting their FIRE journey meet up for a weekend like no other. Those who have achieved FIRE in their 30s, 40s, and 50s give advice, tips, and tactics to those who want to leave their jobs behind and see what a life of financial freedom feels like. It’s such a can’t-miss event that Mindy and Scott are regulars there too!  Of course, we’re talking about CampFI, where you can roast marshmallows, talk about Roths, scheme with other investors on the best way to make millions, or simply meet the financial independence heroes you’ve only seen online. Throughout the year, these camps are held in every corner of the country, and today, you’ll get to hear exactly what happens around the campFIre.  For that, we brought on CampFI founder Stephen Baughier to tell us more about this exclusive financial independence experience and his own journey to FI. After a tough wake-up call in his mid-30s, Stephen made it his goal to reach financial freedom, but not on the fast-paced schedule most FIRE chasers think of. Hear how Stephen was able to downsize his life, cut his spending, and have ultimate time freedom without having to work his tail off!    In This Episode We Cover  The one thing that made Stephen reevaluate his financial decisions in life  Downsizing, cutting spending, and how to reach financial freedom faster  Advice from millionaires and those who’ve already achieved FIRE  CampFI costs, activities, events, and why you MUST attend   Why you can (and SHOULD) slow down your path to FIRE   Scott’s accidental run-in with a fireside cult-like chanting circle  And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  Network with Other Investors on The Path to FIRE Through the BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Mindy on BiggerPockets  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Money Moment  Past Episodes Mentioned in Today’s Show:  Doug Nordman  Mr. Money Mustache  CampFI Website    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-474     Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email us: moneymoment@biggerpockets.com]]></description>
	<itunes:subtitle><![CDATA[Deep in the forest, a secret financial independence summer camp is being held. Multiple times a year, all across the country, millionaires, financial freedom achievers, and those still on or just starting their FIRE journey meet up for a weekend like no ]]></itunes:subtitle>
	<content:encoded><![CDATA[Deep in the forest, a secret financial independence summer camp is being held. Multiple times a year, all across the country, millionaires, financial freedom achievers, and those still on or just starting their FIRE journey meet up for a weekend like no other. Those who have achieved FIRE in their 30s, 40s, and 50s give advice, tips, and tactics to those who want to leave their jobs behind and see what a life of financial freedom feels like. It’s such a can’t-miss event that Mindy and Scott are regulars there too!  Of course, we’re talking about CampFI, where you can roast marshmallows, talk about Roths, scheme with other investors on the best way to make millions, or simply meet the financial independence heroes you’ve only seen online. Throughout the year, these camps are held in every corner of the country, and today, you’ll get to hear exactly what happens around the campFIre.  For that, we brought on CampFI founder Stephen Baughier to tell us more about this exclusive financial independence experience and his own journey to FI. After a tough wake-up call in his mid-30s, Stephen made it his goal to reach financial freedom, but not on the fast-paced schedule most FIRE chasers think of. Hear how Stephen was able to downsize his life, cut his spending, and have ultimate time freedom without having to work his tail off!    In This Episode We Cover  The one thing that made Stephen reevaluate his financial decisions in life  Downsizing, cutting spending, and how to reach financial freedom faster  Advice from millionaires and those who’ve already achieved FIRE  CampFI costs, activities, events, and why you MUST attend   Why you can (and SHOULD) slow down your path to FIRE   Scott’s accidental run-in with a fireside cult-like chanting circle  And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  Network with Other Investors on The Path to FIRE Through the BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Mindy on BiggerPockets  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Money Moment  Past Episodes Mentioned in Today’s Show:  Doug Nordman  Mr. Money Mustache  CampFI Website    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-474     Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email us: moneymoment@biggerpockets.com]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC9272894358.mp3" length="28576443" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[Deep in the forest, a secret financial independence summer camp is being held. Multiple times a year, all across the country, millionaires, financial freedom achievers, and those still on or just starting their FIRE journey meet up for a weekend like no other. Those who have achieved FIRE in their 30s, 40s, and 50s give advice, tips, and tactics to those who want to leave their jobs behind and see what a life of financial freedom feels like. It’s such a can’t-miss event that Mindy and Scott are regulars there too!  Of course, we’re talking about CampFI, where you can roast marshmallows, talk about Roths, scheme with other investors on the best way to make millions, or simply meet the financial independence heroes you’ve only seen online. Throughout the year, these camps are held in every corner of the country, and today, you’ll get to hear exactly what happens around the campFIre.  For that, we brought on CampFI founder Stephen Baughier to tell us more about this exclusive financial independence experience and his own journey to FI. After a tough wake-up call in his mid-30s, Stephen made it his goal to reach financial freedom, but not on the fast-paced schedule most FIRE chasers think of. Hear how Stephen was able to downsize his life, cut his spending, and have ultimate time freedom without having to work his tail off!    In This Episode We Cover  The one thing that made Stephen reevaluate his financial decisions in life  Downsizing, cutting spending, and how to reach financial freedom faster  Advice from millionaires and those who’ve already achieved FIRE  CampFI costs, activities, events, and why you MUST attend   Why you can (and SHOULD) slow down your path to FIRE   Scott’s accidental run-in with a fireside cult-like chanting circle  And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  Network with Other Investors on The Path to FIRE Through the BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Mindy on BiggerPockets  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Money Moment  Past Episodes Mentioned in Today’s Show:  Doug Nordman  Mr. Money Mustache  CampFI Website    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-474     Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email us: moneymoment@biggerpockets.com]]></itunes:summary>
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	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[Deep in the forest, a secret financial independence summer camp is being held. Multiple times a year, all across the country, millionaires, financial freedom achievers, and those still on or just starting their FIRE journey meet up for a weekend like no other. Those who have achieved FIRE in their 30s, 40s, and 50s give advice, tips, and tactics to those who want to leave their jobs behind and see what a life of financial freedom feels like. It’s such a can’t-miss event that Mindy and Scott are regulars there too!  Of course, we’re talking about CampFI, where you can roast marshmallows, talk about Roths, scheme with other investors on the best way to make millions, or simply meet the financial independence heroes you’ve only seen online. Throughout the year, these camps are held in every corner of the country, and today, you’ll get to hear exactly what happens around the campFIre.  For that, we brought on CampFI founder Stephen Baughier to tell us more about this exclusive financial i]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
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<item>
	<title>473: Holiday Shopping Hacks That’ll Save You Hundreds (or Thousands) This Season</title>
	<link>https://biggerpocketsmoney.com/podcast/473-holiday-shopping-hacks-thatll-save-you-hundreds-or-thousands-this-season/</link>
	<pubDate>Tue, 28 Nov 2023 07:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">9cf22b3a-bed0-11ed-beb9-57eefbd7363b</guid>
	<description><![CDATA[The 2023 holiday shopping season is here, and you know what that means…gifts, trips, and LOTS of spending. If you love the holiday season but are more into frugal festivities, we have just the episode for you. Whether you&#8217;re a budget-conscious stocking stuffer or a buy-everyone-an-iPhone gift giver, we&#8217;ve got some simple tips that&#8217;ll help you save hundreds or thousands [&#8230;]]]></description>
	<itunes:subtitle><![CDATA[The 2023 holiday shopping season is here, and you know what that means…gifts, trips, and LOTS of spending. If you love the holiday season but are more into frugal festivities, we have just the episode for you. Whether you&#8217;re a budget-conscious stoc]]></itunes:subtitle>
	<content:encoded><![CDATA[The 2023 holiday shopping season is here, and you know what that means…gifts, trips, and LOTS of spending. If you love the holiday season but are more into frugal festivities, we have just the episode for you. Whether you&#8217;re a budget-conscious stocking stuffer or a buy-everyone-an-iPhone gift giver, we&#8217;ve got some simple tips that&#8217;ll help you save hundreds or thousands [&#8230;]]]></content:encoded>
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	<itunes:summary><![CDATA[The 2023 holiday shopping season is here, and you know what that means…gifts, trips, and LOTS of spending. If you love the holiday season but are more into frugal festivities, we have just the episode for you. Whether you&#8217;re a budget-conscious stocking stuffer or a buy-everyone-an-iPhone gift giver, we&#8217;ve got some simple tips that&#8217;ll help you save hundreds or thousands [&#8230;]]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[The 2023 holiday shopping season is here, and you know what that means…gifts, trips, and LOTS of spending. If you love the holiday season but are more into frugal festivities, we have just the episode for you. Whether you&#8217;re a budget-conscious stocking stuffer or a buy-everyone-an-iPhone gift giver, we&#8217;ve got some simple tips that&#8217;ll help you save hundreds or thousands [&#8230;]]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
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<item>
	<title>472: All the Money Hacks We WISH We Had Known About (ENCORE Episode!)</title>
	<link>https://biggerpocketsmoney.com/podcast/472-all-the-money-hacks-we-wish-we-had-known-about-encore-episode/</link>
	<pubDate>Fri, 24 Nov 2023 07:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">9d3e95e2-bed0-11ed-beb9-0f5bf89b1baf</guid>
	<description><![CDATA[Happy Thanksgiving! This Turkey Day, we're giving you an encore of one of our favorite episodes on the money hacks EVERYONE should know about! This was one of our top shows of last year and will teach you how to save better, spend less, and travel for CHEAP! Enjoy!  ______  Travel hacks, spending hacks, medical hacks. If there’s one thing that Chris Hutchins has learned from hosting the All the Hacks podcast, it’s that everything is negotiable. You can travel to over sixty countries for (almost) free, outsource your cooking at a reasonable rate and even get free money once forgotten. Chris should know—he’s done all this and more as he works to optimize every aspect of his life, both financially and personally!  Chris was hacking at a very young age. In high school, he made a fake magazine so he could score free press passes to concerts. When he was away at boarding school, he would buy whole pizzas and sell them by the slice just to afford a few slices of his own. Then, later when he quit his job to travel the world, Chris and his partner hit over sixty countries, using credit card points to globetrott from South Africa to Singapore!  Now, as a father, Chris is more concerned about hacking his time. He’s got kids to take care of and doesn’t want to waste a second of his day that could be spent planning for, or playing with, his children. In today’s episode, you’ll hear some of the most insane life hacks, from hiring a personal chef for a fraction of the cost to getting free champagne at any hotel stay and even snagging twenty to thirty percent off of your dream vacation villa. These hacks work (we tried them in real-time), and you may need a pen and paper to write them all down!    In This Episode We Cover  Credit card points, travel hacking, and how to get flights for free (or at a steep discount)  Outsourcing and delegating everything so you spend more of your time with those who are most important  Simple principles for an optimized life and why conventional wisdom is usually out of whack  How to get deep discounts off of vacation properties during your next big trip  Why you should NEVER cancel a flight until twelve hours before takeoff  Where to find “unclaimed money” you never knew you had (we found some ourselves!)  And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Mindy on BiggerPockets  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Money Moment  All The Hacks Podcast  Apps Mentioned in This Episode:  CardPointers  Paprika  FancyHands  Google Flights  AutoSlash  Amazon Smile  Library Extension  Cash Back Monitor  SavenDeals  DeleteMe    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-472     Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email us: moneymoment@biggerpockets.com]]></description>
	<itunes:subtitle><![CDATA[Happy Thanksgiving! This Turkey Day, were giving you an encore of one of our favorite episodes on the money hacks EVERYONE should know about! This was one of our top shows of last year and will teach you how to save better, spend less, and travel for CHE]]></itunes:subtitle>
	<content:encoded><![CDATA[Happy Thanksgiving! This Turkey Day, we're giving you an encore of one of our favorite episodes on the money hacks EVERYONE should know about! This was one of our top shows of last year and will teach you how to save better, spend less, and travel for CHEAP! Enjoy!  ______  Travel hacks, spending hacks, medical hacks. If there’s one thing that Chris Hutchins has learned from hosting the All the Hacks podcast, it’s that everything is negotiable. You can travel to over sixty countries for (almost) free, outsource your cooking at a reasonable rate and even get free money once forgotten. Chris should know—he’s done all this and more as he works to optimize every aspect of his life, both financially and personally!  Chris was hacking at a very young age. In high school, he made a fake magazine so he could score free press passes to concerts. When he was away at boarding school, he would buy whole pizzas and sell them by the slice just to afford a few slices of his own. Then, later when he quit his job to travel the world, Chris and his partner hit over sixty countries, using credit card points to globetrott from South Africa to Singapore!  Now, as a father, Chris is more concerned about hacking his time. He’s got kids to take care of and doesn’t want to waste a second of his day that could be spent planning for, or playing with, his children. In today’s episode, you’ll hear some of the most insane life hacks, from hiring a personal chef for a fraction of the cost to getting free champagne at any hotel stay and even snagging twenty to thirty percent off of your dream vacation villa. These hacks work (we tried them in real-time), and you may need a pen and paper to write them all down!    In This Episode We Cover  Credit card points, travel hacking, and how to get flights for free (or at a steep discount)  Outsourcing and delegating everything so you spend more of your time with those who are most important  Simple principles for an optimized life and why conventional wisdom is usually out of whack  How to get deep discounts off of vacation properties during your next big trip  Why you should NEVER cancel a flight until twelve hours before takeoff  Where to find “unclaimed money” you never knew you had (we found some ourselves!)  And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Mindy on BiggerPockets  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Money Moment  All The Hacks Podcast  Apps Mentioned in This Episode:  CardPointers  Paprika  FancyHands  Google Flights  AutoSlash  Amazon Smile  Library Extension  Cash Back Monitor  SavenDeals  DeleteMe    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-472     Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email us: moneymoment@biggerpockets.com]]></content:encoded>
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	<itunes:summary><![CDATA[Happy Thanksgiving! This Turkey Day, we're giving you an encore of one of our favorite episodes on the money hacks EVERYONE should know about! This was one of our top shows of last year and will teach you how to save better, spend less, and travel for CHEAP! Enjoy!  ______  Travel hacks, spending hacks, medical hacks. If there’s one thing that Chris Hutchins has learned from hosting the All the Hacks podcast, it’s that everything is negotiable. You can travel to over sixty countries for (almost) free, outsource your cooking at a reasonable rate and even get free money once forgotten. Chris should know—he’s done all this and more as he works to optimize every aspect of his life, both financially and personally!  Chris was hacking at a very young age. In high school, he made a fake magazine so he could score free press passes to concerts. When he was away at boarding school, he would buy whole pizzas and sell them by the slice just to afford a few slices of his own. Then, later when he quit his job to travel the world, Chris and his partner hit over sixty countries, using credit card points to globetrott from South Africa to Singapore!  Now, as a father, Chris is more concerned about hacking his time. He’s got kids to take care of and doesn’t want to waste a second of his day that could be spent planning for, or playing with, his children. In today’s episode, you’ll hear some of the most insane life hacks, from hiring a personal chef for a fraction of the cost to getting free champagne at any hotel stay and even snagging twenty to thirty percent off of your dream vacation villa. These hacks work (we tried them in real-time), and you may need a pen and paper to write them all down!    In This Episode We Cover  Credit card points, travel hacking, and how to get flights for free (or at a steep discount)  Outsourcing and delegating everything so you spend more of your time with those who are most important  Simple principles for an optimized life and why conventional wisdom is usually out of whack  How to get deep discounts off of vacation properties during your next big trip  Why you should NEVER cancel a flight until twelve hours before takeoff  Where to find “unclaimed money” you never knew you had (we found some ourselves!)  And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Mindy on BiggerPockets  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Money Moment  All The Hacks Podcast  Apps Mentioned in This Episode:  CardPointers  Paprika  FancyHands  Google Flights  AutoSlash  Amazon Smile  Library Extension  Cash Back Monitor  SavenDeals  DeleteMe    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-472     Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email us: moneymoment@biggerpockets.com]]></itunes:summary>
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	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[Happy Thanksgiving! This Turkey Day, we're giving you an encore of one of our favorite episodes on the money hacks EVERYONE should know about! This was one of our top shows of last year and will teach you how to save better, spend less, and travel for CHEAP! Enjoy!  ______  Travel hacks, spending hacks, medical hacks. If there’s one thing that Chris Hutchins has learned from hosting the All the Hacks podcast, it’s that everything is negotiable. You can travel to over sixty countries for (almost) free, outsource your cooking at a reasonable rate and even get free money once forgotten. Chris should know—he’s done all this and more as he works to optimize every aspect of his life, both financially and personally!  Chris was hacking at a very young age. In high school, he made a fake magazine so he could score free press passes to concerts. When he was away at boarding school, he would buy whole pizzas and sell them by the slice just to afford a few slices of his own. Then, later when he ]]></googleplay:description>
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<item>
	<title>471: The Secret to Saving More, Spending Less, and a Perfect Credit Score</title>
	<link>https://biggerpocketsmoney.com/podcast/471-the-secret-to-saving-more-spending-less-and-a-perfect-credit-score/</link>
	<pubDate>Tue, 21 Nov 2023 07:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
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	<description><![CDATA[Building wealth, saving money, getting rich—it’s much more straightforward than most people think. You don’t need to be a financial expert or millionaire to know what you should do with your money. But if you’ve found yourself in a spot where saving and investing just isn’t happening or you want to build wealth but don’t know where to start, we’ve got the [&#8230;]]]></description>
	<itunes:subtitle><![CDATA[Building wealth, saving money, getting rich—it’s much more straightforward than most people think. You don’t need to be a financial expert or millionaire to know what you should do with your money. But if you’ve found yourself in a spot where saving and ]]></itunes:subtitle>
	<content:encoded><![CDATA[Building wealth, saving money, getting rich—it’s much more straightforward than most people think. You don’t need to be a financial expert or millionaire to know what you should do with your money. But if you’ve found yourself in a spot where saving and investing just isn’t happening or you want to build wealth but don’t know where to start, we’ve got the [&#8230;]]]></content:encoded>
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	<itunes:summary><![CDATA[Building wealth, saving money, getting rich—it’s much more straightforward than most people think. You don’t need to be a financial expert or millionaire to know what you should do with your money. But if you’ve found yourself in a spot where saving and investing just isn’t happening or you want to build wealth but don’t know where to start, we’ve got the [&#8230;]]]></itunes:summary>
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	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[Building wealth, saving money, getting rich—it’s much more straightforward than most people think. You don’t need to be a financial expert or millionaire to know what you should do with your money. But if you’ve found yourself in a spot where saving and investing just isn’t happening or you want to build wealth but don’t know where to start, we’ve got the [&#8230;]]]></googleplay:description>
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<item>
	<title>470: Make an Extra $100/Day with These Work-From-Home Side Hustles</title>
	<link>https://biggerpocketsmoney.com/podcast/470-make-an-extra-100-day-with-these-work-from-home-side-hustles/</link>
	<pubDate>Fri, 17 Nov 2023 07:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
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	<description><![CDATA[Want to know how to make $100 a day the easy way? We’ve got the queen of side hustles, Jackie Mitchell, on the show to share the most legit, low-effort, flexible side hustles you can try today to start making money tomorrow. Jackie challenged herself to make $100 per day for the next 100 days as she and her husband work to save up a down paymentfor their first house. She’s documented her entire journey on social media to show the side hustles that are (and aren’t) worth the work.  From study groups to surveys, meal-prepping for others, training AI chatbots, and playing piano at events, Jackie has tried dozens of different side hustles so you don’t have to. In today’s show, she shares the best side hustles where you can make up to thirty dollars an hour working entirely from home, the side hustles that trick you into thinking you’re making more money, and how you could start making THOUSANDS more a month while working a few hours extra every day.  If you’re trying to save up for a down payment like Jackie, ditch some debt, or want a little extra in the bank, these side hustles could be your first step toward financial freedom. Stick around because Jackie will tell you which side hustles could boost your bank account!     In This Episode We Cover  How to make an extra $100 per day with simple side hustles that DON’T require experience  The one side hustle Jackie comes back to that offers consistent work and high pay  Which side hustles are NOT worth the money and take FAR longer than you think  Taxes, 1099s, and how to keep track of your income and expenses when making extra money  “Body mirroring” and how Jackie stays super efficient when doing side work   And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Scott's Instagram  Mindy on BiggerPockets  Grab Scott’s Book, “Set for Life”  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Money Moment  Food Spending Eating Away at Your FI Plans? Here’s How to Eat for Cheap  The Most Efficient Path to Financial Freedom With Justin From Saving Sherpa  Taking Command of Your Finances by Understanding (& Controlling) Money with Joe Saul-Sehy  Side Hustle Websites from This Show  Data Annotation  Prolific  Remotasks  Swagbucks  Beer Money Subreddit    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-470     Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email us: moneymoment@biggerpockets.com]]></description>
	<itunes:subtitle><![CDATA[Want to know how to make $100 a day the easy way? We’ve got the queen of side hustles, Jackie Mitchell, on the show to share the most legit, low-effort, flexible side hustles you can try today to start making money tomorrow. Jackie challenged herself to ]]></itunes:subtitle>
	<content:encoded><![CDATA[Want to know how to make $100 a day the easy way? We’ve got the queen of side hustles, Jackie Mitchell, on the show to share the most legit, low-effort, flexible side hustles you can try today to start making money tomorrow. Jackie challenged herself to make $100 per day for the next 100 days as she and her husband work to save up a down paymentfor their first house. She’s documented her entire journey on social media to show the side hustles that are (and aren’t) worth the work.  From study groups to surveys, meal-prepping for others, training AI chatbots, and playing piano at events, Jackie has tried dozens of different side hustles so you don’t have to. In today’s show, she shares the best side hustles where you can make up to thirty dollars an hour working entirely from home, the side hustles that trick you into thinking you’re making more money, and how you could start making THOUSANDS more a month while working a few hours extra every day.  If you’re trying to save up for a down payment like Jackie, ditch some debt, or want a little extra in the bank, these side hustles could be your first step toward financial freedom. Stick around because Jackie will tell you which side hustles could boost your bank account!     In This Episode We Cover  How to make an extra $100 per day with simple side hustles that DON’T require experience  The one side hustle Jackie comes back to that offers consistent work and high pay  Which side hustles are NOT worth the money and take FAR longer than you think  Taxes, 1099s, and how to keep track of your income and expenses when making extra money  “Body mirroring” and how Jackie stays super efficient when doing side work   And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Scott's Instagram  Mindy on BiggerPockets  Grab Scott’s Book, “Set for Life”  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Money Moment  Food Spending Eating Away at Your FI Plans? Here’s How to Eat for Cheap  The Most Efficient Path to Financial Freedom With Justin From Saving Sherpa  Taking Command of Your Finances by Understanding (& Controlling) Money with Joe Saul-Sehy  Side Hustle Websites from This Show  Data Annotation  Prolific  Remotasks  Swagbucks  Beer Money Subreddit    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-470     Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email us: moneymoment@biggerpockets.com]]></content:encoded>
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	<itunes:summary><![CDATA[Want to know how to make $100 a day the easy way? We’ve got the queen of side hustles, Jackie Mitchell, on the show to share the most legit, low-effort, flexible side hustles you can try today to start making money tomorrow. Jackie challenged herself to make $100 per day for the next 100 days as she and her husband work to save up a down paymentfor their first house. She’s documented her entire journey on social media to show the side hustles that are (and aren’t) worth the work.  From study groups to surveys, meal-prepping for others, training AI chatbots, and playing piano at events, Jackie has tried dozens of different side hustles so you don’t have to. In today’s show, she shares the best side hustles where you can make up to thirty dollars an hour working entirely from home, the side hustles that trick you into thinking you’re making more money, and how you could start making THOUSANDS more a month while working a few hours extra every day.  If you’re trying to save up for a down payment like Jackie, ditch some debt, or want a little extra in the bank, these side hustles could be your first step toward financial freedom. Stick around because Jackie will tell you which side hustles could boost your bank account!     In This Episode We Cover  How to make an extra $100 per day with simple side hustles that DON’T require experience  The one side hustle Jackie comes back to that offers consistent work and high pay  Which side hustles are NOT worth the money and take FAR longer than you think  Taxes, 1099s, and how to keep track of your income and expenses when making extra money  “Body mirroring” and how Jackie stays super efficient when doing side work   And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Scott's Instagram  Mindy on BiggerPockets  Grab Scott’s Book, “Set for Life”  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Money Moment  Food Spending Eating Away at Your FI Plans? Here’s How to Eat for Cheap  The Most Efficient Path to Financial Freedom With Justin From Saving Sherpa  Taking Command of Your Finances by Understanding (& Controlling) Money with Joe Saul-Sehy  Side Hustle Websites from This Show  Data Annotation  Prolific  Remotasks  Swagbucks  Beer Money Subreddit    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-470     Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email us: moneymoment@biggerpockets.com]]></itunes:summary>
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	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[Want to know how to make $100 a day the easy way? We’ve got the queen of side hustles, Jackie Mitchell, on the show to share the most legit, low-effort, flexible side hustles you can try today to start making money tomorrow. Jackie challenged herself to make $100 per day for the next 100 days as she and her husband work to save up a down paymentfor their first house. She’s documented her entire journey on social media to show the side hustles that are (and aren’t) worth the work.  From study groups to surveys, meal-prepping for others, training AI chatbots, and playing piano at events, Jackie has tried dozens of different side hustles so you don’t have to. In today’s show, she shares the best side hustles where you can make up to thirty dollars an hour working entirely from home, the side hustles that trick you into thinking you’re making more money, and how you could start making THOUSANDS more a month while working a few hours extra every day.  If you’re trying to save up for a down]]></googleplay:description>
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<item>
	<title>469: David Greene’s 3 Steps to Building Wealth EVEN in a Bad Economy</title>
	<link>https://biggerpocketsmoney.com/podcast/469-david-greenes-3-steps-to-building-wealth-even-in-a-bad-economy/</link>
	<pubDate>Wed, 15 Nov 2023 07:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
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	<description><![CDATA[Building wealth is about to become more challenging than ever before. High interest rates make many rental properties cash-flow-less, the economy could enter a recession, and many investors could lose their shirts. In times of extreme economic uncertainty, only the financially fit will be able to keep, protect, and build wealth. So, in today’s episode, we’re giving you the steps you need to not only survive but thrive in ANY economy.  Who are these steps coming from? David Greene, the waiter turned multi-million dollar property investor who is not only the industry’s leader in real estate investing but one of the most financially savvy people on the planet. When the gurus go left, David goes right, which is how he’s been able to hold on to his wealth EVEN during economic turbulence.  Today, David will go over the Pillars of Wealth (also the name of his new book) that you must start building NOW if you want your wealth to last. David even gives some rare commentary on the MOST critical thing you can do to reach financial freedom faster and make more money (hint: it’s not investing in real estate).    In This Episode We Cover  The three unignorable pillars of wealth that will make you rich  BIG shifts in the economy and what happens when this game of “musical chairs” comes to an end  When to NOT invest in real estate and whether or not 2024 is FAR riskier than before  The EASIEST way to boost your bank account WITHOUT making more money  What to do TODAY to ensure you keep your job, get raises, and grow your income   And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Scott's Instagram  Mindy on BiggerPockets  Grab Scott’s Book, “Set for Life”  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Money Moment  Pick Up “Pillars of Wealth” and Other Best-Selling David Greene Books  Hear David on The “BiggerPockets Real Estate” Podcast  BiggerPockets Forums  How to Become an “Overnight” Success in 10 Short Years with David Greene  Bootcamps    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-469     Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email us: moneymoment@biggerpockets.com]]></description>
	<itunes:subtitle><![CDATA[Building wealth is about to become more challenging than ever before. High interest rates make many rental properties cash-flow-less, the economy could enter a recession, and many investors could lose their shirts. In times of extreme economic uncertaint]]></itunes:subtitle>
	<content:encoded><![CDATA[Building wealth is about to become more challenging than ever before. High interest rates make many rental properties cash-flow-less, the economy could enter a recession, and many investors could lose their shirts. In times of extreme economic uncertainty, only the financially fit will be able to keep, protect, and build wealth. So, in today’s episode, we’re giving you the steps you need to not only survive but thrive in ANY economy.  Who are these steps coming from? David Greene, the waiter turned multi-million dollar property investor who is not only the industry’s leader in real estate investing but one of the most financially savvy people on the planet. When the gurus go left, David goes right, which is how he’s been able to hold on to his wealth EVEN during economic turbulence.  Today, David will go over the Pillars of Wealth (also the name of his new book) that you must start building NOW if you want your wealth to last. David even gives some rare commentary on the MOST critical thing you can do to reach financial freedom faster and make more money (hint: it’s not investing in real estate).    In This Episode We Cover  The three unignorable pillars of wealth that will make you rich  BIG shifts in the economy and what happens when this game of “musical chairs” comes to an end  When to NOT invest in real estate and whether or not 2024 is FAR riskier than before  The EASIEST way to boost your bank account WITHOUT making more money  What to do TODAY to ensure you keep your job, get raises, and grow your income   And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Scott's Instagram  Mindy on BiggerPockets  Grab Scott’s Book, “Set for Life”  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Money Moment  Pick Up “Pillars of Wealth” and Other Best-Selling David Greene Books  Hear David on The “BiggerPockets Real Estate” Podcast  BiggerPockets Forums  How to Become an “Overnight” Success in 10 Short Years with David Greene  Bootcamps    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-469     Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email us: moneymoment@biggerpockets.com]]></content:encoded>
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	<itunes:summary><![CDATA[Building wealth is about to become more challenging than ever before. High interest rates make many rental properties cash-flow-less, the economy could enter a recession, and many investors could lose their shirts. In times of extreme economic uncertainty, only the financially fit will be able to keep, protect, and build wealth. So, in today’s episode, we’re giving you the steps you need to not only survive but thrive in ANY economy.  Who are these steps coming from? David Greene, the waiter turned multi-million dollar property investor who is not only the industry’s leader in real estate investing but one of the most financially savvy people on the planet. When the gurus go left, David goes right, which is how he’s been able to hold on to his wealth EVEN during economic turbulence.  Today, David will go over the Pillars of Wealth (also the name of his new book) that you must start building NOW if you want your wealth to last. David even gives some rare commentary on the MOST critical thing you can do to reach financial freedom faster and make more money (hint: it’s not investing in real estate).    In This Episode We Cover  The three unignorable pillars of wealth that will make you rich  BIG shifts in the economy and what happens when this game of “musical chairs” comes to an end  When to NOT invest in real estate and whether or not 2024 is FAR riskier than before  The EASIEST way to boost your bank account WITHOUT making more money  What to do TODAY to ensure you keep your job, get raises, and grow your income   And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Scott's Instagram  Mindy on BiggerPockets  Grab Scott’s Book, “Set for Life”  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Money Moment  Pick Up “Pillars of Wealth” and Other Best-Selling David Greene Books  Hear David on The “BiggerPockets Real Estate” Podcast  BiggerPockets Forums  How to Become an “Overnight” Success in 10 Short Years with David Greene  Bootcamps    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-469     Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email us: moneymoment@biggerpockets.com]]></itunes:summary>
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	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[Building wealth is about to become more challenging than ever before. High interest rates make many rental properties cash-flow-less, the economy could enter a recession, and many investors could lose their shirts. In times of extreme economic uncertainty, only the financially fit will be able to keep, protect, and build wealth. So, in today’s episode, we’re giving you the steps you need to not only survive but thrive in ANY economy.  Who are these steps coming from? David Greene, the waiter turned multi-million dollar property investor who is not only the industry’s leader in real estate investing but one of the most financially savvy people on the planet. When the gurus go left, David goes right, which is how he’s been able to hold on to his wealth EVEN during economic turbulence.  Today, David will go over the Pillars of Wealth (also the name of his new book) that you must start building NOW if you want your wealth to last. David even gives some rare commentary on the MOST critical]]></googleplay:description>
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<item>
	<title>468: ‘Bar Rescue’ Host Jon Taffer on the “Secret Recipe” for a Successful Business</title>
	<link>https://biggerpocketsmoney.com/podcast/468-bar-rescue-host-jon-taffer-on-the-secret-recipe-for-a-successful-business/</link>
	<pubDate>Mon, 13 Nov 2023 07:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
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	<description><![CDATA[Bar Rescue host Jon Taffer has spent more than a decade finding the most disgusting, poorly-run, money-hemorrhaging bars in America and turning debt-ridden dumps into successful money-making businesses. How does he do it? In today’s show, this hospitality, restaurant, and bar legend will uncover the ONLY reason why businesses fail and the “secret recipe” for a successful entrepreneur.  And even if you don’t own a business or don’t plan on owning one, Jon drops some knowledge that cannot be missed and could turn WHATEVER you’re struggling with in life into a smooth path to success. Jon talks about the over two hundred bars and businesses he’s saved, the biggest mistake the owners are making, and how to get out of business debt if your business is in WAY too deep.  Lastly, Jon talks about what makes a successful entrepreneur and gives his most crucial advice for those who are about to launch or have plans to launch a business. Trust us, Jon’s advice could save your entire business!    In This Episode We Cover  The number one reason why businesses fail and what their owners should do NOW  Taking responsibility and why your excuses are STOPPING you from achieving your dreams  How Jon and the Bar Rescue team complete bar renovations in just thirty-six hours (seriously!)  Screaming, yelling, crying, and how Jon breaks through to failing business owners  The “secret recipe” for a successful entrepreneur and Jon’s biggest piece of advice in 2024  And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Mindy on BiggerPockets  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Money Moment  The Main Reason Most Businesses Fail and How to Avoid It  Grab Jon’s Books    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-468     Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email us: moneymoment@biggerpockets.com]]></description>
	<itunes:subtitle><![CDATA[Bar Rescue host Jon Taffer has spent more than a decade finding the most disgusting, poorly-run, money-hemorrhaging bars in America and turning debt-ridden dumps into successful money-making businesses. How does he do it? In today’s show, this hospitalit]]></itunes:subtitle>
	<content:encoded><![CDATA[Bar Rescue host Jon Taffer has spent more than a decade finding the most disgusting, poorly-run, money-hemorrhaging bars in America and turning debt-ridden dumps into successful money-making businesses. How does he do it? In today’s show, this hospitality, restaurant, and bar legend will uncover the ONLY reason why businesses fail and the “secret recipe” for a successful entrepreneur.  And even if you don’t own a business or don’t plan on owning one, Jon drops some knowledge that cannot be missed and could turn WHATEVER you’re struggling with in life into a smooth path to success. Jon talks about the over two hundred bars and businesses he’s saved, the biggest mistake the owners are making, and how to get out of business debt if your business is in WAY too deep.  Lastly, Jon talks about what makes a successful entrepreneur and gives his most crucial advice for those who are about to launch or have plans to launch a business. Trust us, Jon’s advice could save your entire business!    In This Episode We Cover  The number one reason why businesses fail and what their owners should do NOW  Taking responsibility and why your excuses are STOPPING you from achieving your dreams  How Jon and the Bar Rescue team complete bar renovations in just thirty-six hours (seriously!)  Screaming, yelling, crying, and how Jon breaks through to failing business owners  The “secret recipe” for a successful entrepreneur and Jon’s biggest piece of advice in 2024  And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Mindy on BiggerPockets  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Money Moment  The Main Reason Most Businesses Fail and How to Avoid It  Grab Jon’s Books    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-468     Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email us: moneymoment@biggerpockets.com]]></content:encoded>
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	<itunes:summary><![CDATA[Bar Rescue host Jon Taffer has spent more than a decade finding the most disgusting, poorly-run, money-hemorrhaging bars in America and turning debt-ridden dumps into successful money-making businesses. How does he do it? In today’s show, this hospitality, restaurant, and bar legend will uncover the ONLY reason why businesses fail and the “secret recipe” for a successful entrepreneur.  And even if you don’t own a business or don’t plan on owning one, Jon drops some knowledge that cannot be missed and could turn WHATEVER you’re struggling with in life into a smooth path to success. Jon talks about the over two hundred bars and businesses he’s saved, the biggest mistake the owners are making, and how to get out of business debt if your business is in WAY too deep.  Lastly, Jon talks about what makes a successful entrepreneur and gives his most crucial advice for those who are about to launch or have plans to launch a business. Trust us, Jon’s advice could save your entire business!    In This Episode We Cover  The number one reason why businesses fail and what their owners should do NOW  Taking responsibility and why your excuses are STOPPING you from achieving your dreams  How Jon and the Bar Rescue team complete bar renovations in just thirty-six hours (seriously!)  Screaming, yelling, crying, and how Jon breaks through to failing business owners  The “secret recipe” for a successful entrepreneur and Jon’s biggest piece of advice in 2024  And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Mindy on BiggerPockets  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Money Moment  The Main Reason Most Businesses Fail and How to Avoid It  Grab Jon’s Books    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-468     Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email us: moneymoment@biggerpockets.com]]></itunes:summary>
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	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[Bar Rescue host Jon Taffer has spent more than a decade finding the most disgusting, poorly-run, money-hemorrhaging bars in America and turning debt-ridden dumps into successful money-making businesses. How does he do it? In today’s show, this hospitality, restaurant, and bar legend will uncover the ONLY reason why businesses fail and the “secret recipe” for a successful entrepreneur.  And even if you don’t own a business or don’t plan on owning one, Jon drops some knowledge that cannot be missed and could turn WHATEVER you’re struggling with in life into a smooth path to success. Jon talks about the over two hundred bars and businesses he’s saved, the biggest mistake the owners are making, and how to get out of business debt if your business is in WAY too deep.  Lastly, Jon talks about what makes a successful entrepreneur and gives his most crucial advice for those who are about to launch or have plans to launch a business. Trust us, Jon’s advice could save your entire business!    I]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
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<item>
	<title>467: Switching Jobs, Becoming a Landlord, and Investing vs. Paying Off Debt</title>
	<link>https://biggerpocketsmoney.com/podcast/467-switching-jobs-becoming-a-landlord-and-investing-vs-paying-off-debt/</link>
	<pubDate>Fri, 10 Nov 2023 07:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
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	<description><![CDATA[Switching jobs is a HUGE career decision that impacts not only your finances but also your schedule, quality of life, and more. When is changing jobs the right move, and what are the different factors at play? Today, our hosts will show you what to do when faced with such a big decision! Welcome back to the BiggerPockets Money podcast! In this [&#8230;]]]></description>
	<itunes:subtitle><![CDATA[Switching jobs is a HUGE career decision that impacts not only your finances but also your schedule, quality of life, and more. When is changing jobs the right move, and what are the different factors at play? Today, our hosts will show you what to do wh]]></itunes:subtitle>
	<content:encoded><![CDATA[Switching jobs is a HUGE career decision that impacts not only your finances but also your schedule, quality of life, and more. When is changing jobs the right move, and what are the different factors at play? Today, our hosts will show you what to do when faced with such a big decision! Welcome back to the BiggerPockets Money podcast! In this [&#8230;]]]></content:encoded>
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	<itunes:summary><![CDATA[Switching jobs is a HUGE career decision that impacts not only your finances but also your schedule, quality of life, and more. When is changing jobs the right move, and what are the different factors at play? Today, our hosts will show you what to do when faced with such a big decision! Welcome back to the BiggerPockets Money podcast! In this [&#8230;]]]></itunes:summary>
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	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[Switching jobs is a HUGE career decision that impacts not only your finances but also your schedule, quality of life, and more. When is changing jobs the right move, and what are the different factors at play? Today, our hosts will show you what to do when faced with such a big decision! Welcome back to the BiggerPockets Money podcast! In this [&#8230;]]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
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<item>
	<title>466: The Retirement Planning Roadmap: 401(k)s, Real Estate, Bonds &#038; More</title>
	<link>https://biggerpocketsmoney.com/podcast/466-the-retirement-planning-roadmap-401ks-real-estate-bonds-more/</link>
	<pubDate>Mon, 06 Nov 2023 07:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
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	<description><![CDATA[If you haven’t started your retirement planning yet, you’re not out of luck. Whether you’re in your twenties, thirties, forties, fifties, or sixties, there’s still time to get enough into your accounts so you can walk away from work and live life on your schedule. So, even if you’re starting late, fret not because today, we’ll walk through everything you need to know to get your retirement planning in gear! To help, The Motley Fool’s Robert Brokamp is joining us on the show!  Robert, like many of us, started looking into investing when he was too broke to afford what he needed. Afterresearching index funds, compound interest, and basic investing, Robert thought, “Why isn’t everyone taught this?” This question inevitably led him to become a CFP (certified financial planner), join The Motley Fool, run the popular “Rule Your Retirement” service, and contribute to the Motley Fool Money podcast.  Robert has been helping people reach their retirement goals for decades, and today, he’s here to help you do the same. This money masterclass will go through all aspects of retirement planning, from 401(k) contributions to individual stock vs. index fund investing, when annuities and bonds make sense for your portfolio, the future of social security, and why you may want to start spending MORE money before you retire.    In This Episode We Cover  Retirement planning 101 and how to get on track even if you haven’t started investing  The good, bad, and ugly 401(k)s and how to know which one YOUR company has  Individual stock investing vs. index funds for a faster-growing retirement portfolio  Inflation-adjusted investments, annuities, and when buying bonds makes sense  The BIGGEST regret retirees have once they’re able to leave work  The EXACT portfolio Mindy and Scott would build for an ample retirement  And So Much More!  Links from the Show  BiggerPockets Money Facebook Group  BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Scott's Instagram  Mindy on BiggerPockets  Grab Scott’s Book, “Set for Life”  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Money Moment  Bill Bengen (4% Rule)  FIRE by 50: How to Have FUN on Your Journey Toward Early Retirement by Mark Trautman  Learn More from Robert  The Motley Fool  The Motley Fool Money Podcast  Rule Your Retirement  Extraordinary Popular Delusions and The Madness of Crowds  Immediate Annuities  J.P. Morgan’s Guide to Retirement  Open Social Security  Retirement Planning Module  TIPS Watch  TreasuryDirect    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-466     Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email us: moneymoment@biggerpockets.com]]></description>
	<itunes:subtitle><![CDATA[If you haven’t started your retirement planning yet, you’re not out of luck. Whether you’re in your twenties, thirties, forties, fifties, or sixties, there’s still time to get enough into your accounts so you can walk away from work and live life on your]]></itunes:subtitle>
	<content:encoded><![CDATA[If you haven’t started your retirement planning yet, you’re not out of luck. Whether you’re in your twenties, thirties, forties, fifties, or sixties, there’s still time to get enough into your accounts so you can walk away from work and live life on your schedule. So, even if you’re starting late, fret not because today, we’ll walk through everything you need to know to get your retirement planning in gear! To help, The Motley Fool’s Robert Brokamp is joining us on the show!  Robert, like many of us, started looking into investing when he was too broke to afford what he needed. Afterresearching index funds, compound interest, and basic investing, Robert thought, “Why isn’t everyone taught this?” This question inevitably led him to become a CFP (certified financial planner), join The Motley Fool, run the popular “Rule Your Retirement” service, and contribute to the Motley Fool Money podcast.  Robert has been helping people reach their retirement goals for decades, and today, he’s here to help you do the same. This money masterclass will go through all aspects of retirement planning, from 401(k) contributions to individual stock vs. index fund investing, when annuities and bonds make sense for your portfolio, the future of social security, and why you may want to start spending MORE money before you retire.    In This Episode We Cover  Retirement planning 101 and how to get on track even if you haven’t started investing  The good, bad, and ugly 401(k)s and how to know which one YOUR company has  Individual stock investing vs. index funds for a faster-growing retirement portfolio  Inflation-adjusted investments, annuities, and when buying bonds makes sense  The BIGGEST regret retirees have once they’re able to leave work  The EXACT portfolio Mindy and Scott would build for an ample retirement  And So Much More!  Links from the Show  BiggerPockets Money Facebook Group  BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Scott's Instagram  Mindy on BiggerPockets  Grab Scott’s Book, “Set for Life”  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Money Moment  Bill Bengen (4% Rule)  FIRE by 50: How to Have FUN on Your Journey Toward Early Retirement by Mark Trautman  Learn More from Robert  The Motley Fool  The Motley Fool Money Podcast  Rule Your Retirement  Extraordinary Popular Delusions and The Madness of Crowds  Immediate Annuities  J.P. Morgan’s Guide to Retirement  Open Social Security  Retirement Planning Module  TIPS Watch  TreasuryDirect    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-466     Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email us: moneymoment@biggerpockets.com]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC8744609838.mp3" length="33859622" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[If you haven’t started your retirement planning yet, you’re not out of luck. Whether you’re in your twenties, thirties, forties, fifties, or sixties, there’s still time to get enough into your accounts so you can walk away from work and live life on your schedule. So, even if you’re starting late, fret not because today, we’ll walk through everything you need to know to get your retirement planning in gear! To help, The Motley Fool’s Robert Brokamp is joining us on the show!  Robert, like many of us, started looking into investing when he was too broke to afford what he needed. Afterresearching index funds, compound interest, and basic investing, Robert thought, “Why isn’t everyone taught this?” This question inevitably led him to become a CFP (certified financial planner), join The Motley Fool, run the popular “Rule Your Retirement” service, and contribute to the Motley Fool Money podcast.  Robert has been helping people reach their retirement goals for decades, and today, he’s here to help you do the same. This money masterclass will go through all aspects of retirement planning, from 401(k) contributions to individual stock vs. index fund investing, when annuities and bonds make sense for your portfolio, the future of social security, and why you may want to start spending MORE money before you retire.    In This Episode We Cover  Retirement planning 101 and how to get on track even if you haven’t started investing  The good, bad, and ugly 401(k)s and how to know which one YOUR company has  Individual stock investing vs. index funds for a faster-growing retirement portfolio  Inflation-adjusted investments, annuities, and when buying bonds makes sense  The BIGGEST regret retirees have once they’re able to leave work  The EXACT portfolio Mindy and Scott would build for an ample retirement  And So Much More!  Links from the Show  BiggerPockets Money Facebook Group  BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Scott's Instagram  Mindy on BiggerPockets  Grab Scott’s Book, “Set for Life”  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Money Moment  Bill Bengen (4% Rule)  FIRE by 50: How to Have FUN on Your Journey Toward Early Retirement by Mark Trautman  Learn More from Robert  The Motley Fool  The Motley Fool Money Podcast  Rule Your Retirement  Extraordinary Popular Delusions and The Madness of Crowds  Immediate Annuities  J.P. Morgan’s Guide to Retirement  Open Social Security  Retirement Planning Module  TIPS Watch  TreasuryDirect    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-466     Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email us: moneymoment@biggerpockets.com]]></itunes:summary>
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	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[If you haven’t started your retirement planning yet, you’re not out of luck. Whether you’re in your twenties, thirties, forties, fifties, or sixties, there’s still time to get enough into your accounts so you can walk away from work and live life on your schedule. So, even if you’re starting late, fret not because today, we’ll walk through everything you need to know to get your retirement planning in gear! To help, The Motley Fool’s Robert Brokamp is joining us on the show!  Robert, like many of us, started looking into investing when he was too broke to afford what he needed. Afterresearching index funds, compound interest, and basic investing, Robert thought, “Why isn’t everyone taught this?” This question inevitably led him to become a CFP (certified financial planner), join The Motley Fool, run the popular “Rule Your Retirement” service, and contribute to the Motley Fool Money podcast.  Robert has been helping people reach their retirement goals for decades, and today, he’s here ]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
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<item>
	<title>465: Finance Friday: Should I Double Down on Real Estate or Start a Side Hustle?</title>
	<link>https://biggerpocketsmoney.com/podcast/465-finance-friday-should-i-double-down-on-real-estate-or-start-a-side-hustle/</link>
	<pubDate>Fri, 03 Nov 2023 06:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
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	<description><![CDATA[When people hear the term “passive income,” their minds usually flash to real estate investing. But, taking on real estate debt may not be the best option for you—especially if you have a high-risk financial portfolio. Instead, you might be better off starting a side hustle that brings in extra dough without huge startup costs or a massive time commitment!  Kayla is a healthcare sales professional who has just bought her first property—a beautiful townhouse that she plans to house hack with a couple of friends. Although she was able to get a loan with a low interest rate from a private lender, there are several risks involved that keep Kayla awake at night. With a hard deadline to refinance the mortgage in five years and a potential recession looming, Kayla must reassess her five-year plan and determine the most viable path to financial freedom. Fortunately, Scott and Mindy are here to help her out!  If you’re feeling a little uneasy about 2024’s recession risk, you won’t want to miss out on the many nuggets of wisdom shared in this episode. You’ll learn the best ways to offset a high-risk portfolio, the importance of building your cash position in case of emergency, and how to supplement your W2 salary with REAL passive income!    In This Episode We Cover  How to offset high levels of risk in your financial portfolio  Supplementing your W2 earnings with passive income opportunities  Side hustle ideas you can start with a few hundred dollars (or less!)  How to get a low-interest mortgage in today’s housing market  Subsidizing your mortgage payment by house hacking  The emergency fund you NEED on hand for a worst-case scenario  And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Scott's Instagram  Mindy on BiggerPockets  Grab Scott’s Book, “Set for Life”  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Money Moment  How Anyone Can Easily Make Extra Money Using Side Hustles with Nick Loper  Choosing Side Hustles (& Happiness!) Over Full-Time Employment  Making Money From a Legitimate Side Hustle With Mark Wills  More Money in Less Time: How to Start a Profitable Side Hustle    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-465     Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email us: moneymoment@biggerpockets.com]]></description>
	<itunes:subtitle><![CDATA[When people hear the term “passive income,” their minds usually flash to real estate investing. But, taking on real estate debt may not be the best option for you—especially if you have a high-risk financial portfolio. Instead, you might be better off st]]></itunes:subtitle>
	<content:encoded><![CDATA[When people hear the term “passive income,” their minds usually flash to real estate investing. But, taking on real estate debt may not be the best option for you—especially if you have a high-risk financial portfolio. Instead, you might be better off starting a side hustle that brings in extra dough without huge startup costs or a massive time commitment!  Kayla is a healthcare sales professional who has just bought her first property—a beautiful townhouse that she plans to house hack with a couple of friends. Although she was able to get a loan with a low interest rate from a private lender, there are several risks involved that keep Kayla awake at night. With a hard deadline to refinance the mortgage in five years and a potential recession looming, Kayla must reassess her five-year plan and determine the most viable path to financial freedom. Fortunately, Scott and Mindy are here to help her out!  If you’re feeling a little uneasy about 2024’s recession risk, you won’t want to miss out on the many nuggets of wisdom shared in this episode. You’ll learn the best ways to offset a high-risk portfolio, the importance of building your cash position in case of emergency, and how to supplement your W2 salary with REAL passive income!    In This Episode We Cover  How to offset high levels of risk in your financial portfolio  Supplementing your W2 earnings with passive income opportunities  Side hustle ideas you can start with a few hundred dollars (or less!)  How to get a low-interest mortgage in today’s housing market  Subsidizing your mortgage payment by house hacking  The emergency fund you NEED on hand for a worst-case scenario  And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Scott's Instagram  Mindy on BiggerPockets  Grab Scott’s Book, “Set for Life”  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Money Moment  How Anyone Can Easily Make Extra Money Using Side Hustles with Nick Loper  Choosing Side Hustles (& Happiness!) Over Full-Time Employment  Making Money From a Legitimate Side Hustle With Mark Wills  More Money in Less Time: How to Start a Profitable Side Hustle    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-465     Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email us: moneymoment@biggerpockets.com]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC4589572598.mp3" length="37064381" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[When people hear the term “passive income,” their minds usually flash to real estate investing. But, taking on real estate debt may not be the best option for you—especially if you have a high-risk financial portfolio. Instead, you might be better off starting a side hustle that brings in extra dough without huge startup costs or a massive time commitment!  Kayla is a healthcare sales professional who has just bought her first property—a beautiful townhouse that she plans to house hack with a couple of friends. Although she was able to get a loan with a low interest rate from a private lender, there are several risks involved that keep Kayla awake at night. With a hard deadline to refinance the mortgage in five years and a potential recession looming, Kayla must reassess her five-year plan and determine the most viable path to financial freedom. Fortunately, Scott and Mindy are here to help her out!  If you’re feeling a little uneasy about 2024’s recession risk, you won’t want to miss out on the many nuggets of wisdom shared in this episode. You’ll learn the best ways to offset a high-risk portfolio, the importance of building your cash position in case of emergency, and how to supplement your W2 salary with REAL passive income!    In This Episode We Cover  How to offset high levels of risk in your financial portfolio  Supplementing your W2 earnings with passive income opportunities  Side hustle ideas you can start with a few hundred dollars (or less!)  How to get a low-interest mortgage in today’s housing market  Subsidizing your mortgage payment by house hacking  The emergency fund you NEED on hand for a worst-case scenario  And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Scott's Instagram  Mindy on BiggerPockets  Grab Scott’s Book, “Set for Life”  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Money Moment  How Anyone Can Easily Make Extra Money Using Side Hustles with Nick Loper  Choosing Side Hustles (& Happiness!) Over Full-Time Employment  Making Money From a Legitimate Side Hustle With Mark Wills  More Money in Less Time: How to Start a Profitable Side Hustle    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-465     Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email us: moneymoment@biggerpockets.com]]></itunes:summary>
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	<itunes:block>no</itunes:block>
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	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[When people hear the term “passive income,” their minds usually flash to real estate investing. But, taking on real estate debt may not be the best option for you—especially if you have a high-risk financial portfolio. Instead, you might be better off starting a side hustle that brings in extra dough without huge startup costs or a massive time commitment!  Kayla is a healthcare sales professional who has just bought her first property—a beautiful townhouse that she plans to house hack with a couple of friends. Although she was able to get a loan with a low interest rate from a private lender, there are several risks involved that keep Kayla awake at night. With a hard deadline to refinance the mortgage in five years and a potential recession looming, Kayla must reassess her five-year plan and determine the most viable path to financial freedom. Fortunately, Scott and Mindy are here to help her out!  If you’re feeling a little uneasy about 2024’s recession risk, you won’t want to miss]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>464: How HGTV’s Heather Rae and Tarek El Moussa Flipped Over 1,000 Houses</title>
	<link>https://biggerpocketsmoney.com/podcast/464-how-hgtvs-heather-rae-and-tarek-el-moussa-flipped-over-1000-houses/</link>
	<pubDate>Wed, 01 Nov 2023 06:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
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	<description><![CDATA[HGTV’s Heather and Tarek El Moussa have built an empire that any entrepreneur would be jealous of. They’ve collectively flipped over a thousand homes, started syndications with tens of millions of dollars invested, have a TV show that rakes in money for them to flip more houses, AND they do it all while raising a family. And while they’ve created the life they’ve always dreamed of, some unintended side effects have recently emerged that make things less-than-glamorous.  We’ll touch on the recent “drama” in today’s episode, but before we do, Heather and Tarek break down precisely what they did to build the business they own today. And if you’ve ever thought of flipping houses before, Tarek gives invaluable advice on finding deals, hiring (and firing) contractors, why he’s spending more money than EVER before on renovations, and how you too can build a multi-million dollar house flipping business.   But that’s not all. After a recent slew of negative press, Tarek finally breaks the silence on a recent deal gone wrong and gives the story none of the news outlets would share on how he’s handling a barrage of tenant complaints, online harassment, and even death threats.     In This Episode We Cover  How the El Moussas flipped over one THOUSAND homes across California  Finding house flipping deals and how to see the “potential” in a hideous home  Wholesaling real estate and why Tarek was forced to stop flipping   Why Tarek sees “rough times” ahead and how YOU must pivot if you invest   On-air “drama,” how much of it is real and raw, and the effects it has on Heather and Tarek  Tarek’s recent deal gone wrong and how he’s doing everything he can to make it right  And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Scott's Instagram  Grab Scott’s Book, “Set for Life”  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Money Moment  Hear Tarek on the “BiggerPockets Real Estate” Podcast  Flipping Houses: How to Get Started and Everything You Should Know    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-464     Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email us: moneymoment@biggerpockets.com]]></description>
	<itunes:subtitle><![CDATA[HGTV’s Heather and Tarek El Moussa have built an empire that any entrepreneur would be jealous of. They’ve collectively flipped over a thousand homes, started syndications with tens of millions of dollars invested, have a TV show that rakes in money for ]]></itunes:subtitle>
	<content:encoded><![CDATA[HGTV’s Heather and Tarek El Moussa have built an empire that any entrepreneur would be jealous of. They’ve collectively flipped over a thousand homes, started syndications with tens of millions of dollars invested, have a TV show that rakes in money for them to flip more houses, AND they do it all while raising a family. And while they’ve created the life they’ve always dreamed of, some unintended side effects have recently emerged that make things less-than-glamorous.  We’ll touch on the recent “drama” in today’s episode, but before we do, Heather and Tarek break down precisely what they did to build the business they own today. And if you’ve ever thought of flipping houses before, Tarek gives invaluable advice on finding deals, hiring (and firing) contractors, why he’s spending more money than EVER before on renovations, and how you too can build a multi-million dollar house flipping business.   But that’s not all. After a recent slew of negative press, Tarek finally breaks the silence on a recent deal gone wrong and gives the story none of the news outlets would share on how he’s handling a barrage of tenant complaints, online harassment, and even death threats.     In This Episode We Cover  How the El Moussas flipped over one THOUSAND homes across California  Finding house flipping deals and how to see the “potential” in a hideous home  Wholesaling real estate and why Tarek was forced to stop flipping   Why Tarek sees “rough times” ahead and how YOU must pivot if you invest   On-air “drama,” how much of it is real and raw, and the effects it has on Heather and Tarek  Tarek’s recent deal gone wrong and how he’s doing everything he can to make it right  And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Scott's Instagram  Grab Scott’s Book, “Set for Life”  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Money Moment  Hear Tarek on the “BiggerPockets Real Estate” Podcast  Flipping Houses: How to Get Started and Everything You Should Know    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-464     Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email us: moneymoment@biggerpockets.com]]></content:encoded>
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	<itunes:summary><![CDATA[HGTV’s Heather and Tarek El Moussa have built an empire that any entrepreneur would be jealous of. They’ve collectively flipped over a thousand homes, started syndications with tens of millions of dollars invested, have a TV show that rakes in money for them to flip more houses, AND they do it all while raising a family. And while they’ve created the life they’ve always dreamed of, some unintended side effects have recently emerged that make things less-than-glamorous.  We’ll touch on the recent “drama” in today’s episode, but before we do, Heather and Tarek break down precisely what they did to build the business they own today. And if you’ve ever thought of flipping houses before, Tarek gives invaluable advice on finding deals, hiring (and firing) contractors, why he’s spending more money than EVER before on renovations, and how you too can build a multi-million dollar house flipping business.   But that’s not all. After a recent slew of negative press, Tarek finally breaks the silence on a recent deal gone wrong and gives the story none of the news outlets would share on how he’s handling a barrage of tenant complaints, online harassment, and even death threats.     In This Episode We Cover  How the El Moussas flipped over one THOUSAND homes across California  Finding house flipping deals and how to see the “potential” in a hideous home  Wholesaling real estate and why Tarek was forced to stop flipping   Why Tarek sees “rough times” ahead and how YOU must pivot if you invest   On-air “drama,” how much of it is real and raw, and the effects it has on Heather and Tarek  Tarek’s recent deal gone wrong and how he’s doing everything he can to make it right  And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Scott's Instagram  Grab Scott’s Book, “Set for Life”  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Money Moment  Hear Tarek on the “BiggerPockets Real Estate” Podcast  Flipping Houses: How to Get Started and Everything You Should Know    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-464     Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email us: moneymoment@biggerpockets.com]]></itunes:summary>
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	<itunes:block>no</itunes:block>
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	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[HGTV’s Heather and Tarek El Moussa have built an empire that any entrepreneur would be jealous of. They’ve collectively flipped over a thousand homes, started syndications with tens of millions of dollars invested, have a TV show that rakes in money for them to flip more houses, AND they do it all while raising a family. And while they’ve created the life they’ve always dreamed of, some unintended side effects have recently emerged that make things less-than-glamorous.  We’ll touch on the recent “drama” in today’s episode, but before we do, Heather and Tarek break down precisely what they did to build the business they own today. And if you’ve ever thought of flipping houses before, Tarek gives invaluable advice on finding deals, hiring (and firing) contractors, why he’s spending more money than EVER before on renovations, and how you too can build a multi-million dollar house flipping business.   But that’s not all. After a recent slew of negative press, Tarek finally breaks the sile]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
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<item>
	<title>463: How to Teach Your Kids About Money (Saving, Investing, Spending, and FIRE)</title>
	<link>https://biggerpocketsmoney.com/podcast/463-how-to-teach-your-kids-about-money-saving-investing-spending-and-fire/</link>
	<pubDate>Mon, 30 Oct 2023 06:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
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	<description><![CDATA[Teaching your kids about money is one of the most CRUCIAL parts of parenting. So why do so many Americans completely neglect financial literacy for kids? Is it too awkward of a subject? Do parents feel like they don’t even grasp personal finances themselves? What happens if YOUR kid goes into the world with zero money mastery? If you have children, grandchildren, nieces, nephews, or loved ones with kids, THIS is what you MUST teach them.  Instead of Mindy and Scott telling you what they taught their kids, Katie Trautman comes on the show to share what her FIRE father taught her about money. You may recognize Katie’s name; her father, Mark, was on the show just a few months ago. Mark was able to retire at age fifty, get Katie through college debt-free, and travel to his heart’s desire. He taught Katie some crucial personal finance lessons many of us never learned.  From saving to spending, investing, retirement accounts, and more, Katie goes through some of the top lessons her father taught her about finances before she left the house. Katie is about to start her first full-time job, and with a healthy emergency reserve, full retirement accounts, and the right money mindset, she’ll show you how she plans to retire earlier than her father even though she JUST started working.    In This Episode We Cover  Financial lessons you MUST teach your children before it’s too late  How to fund your child’s college through tax-advantaged investing accounts  Allowances and how to entice your child to save more than they spend  The “20%” rule that Katie has ALWAYS followed to set herself up for financial success  Why your kids SHOULD know how much money you make, save, and spend  The one thing Katie wishes she could change about growing up in a FI family  And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Scott's Instagram  Mindy on BiggerPockets  Grab Scott’s Book, “Set for Life”  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Money Moment  FIRE by 50: How to Have FUN on Your Journey Toward Early Retirement with Mark Trautman  Tracy Coenen (Forensic Accountant) Part 1  Tracy Coenen (Forensic Accountant) Part 2  5 Ways to Teach Your Kids About Finance & Investing    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-463     Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email us: moneymoment@biggerpockets.com]]></description>
	<itunes:subtitle><![CDATA[Teaching your kids about money is one of the most CRUCIAL parts of parenting. So why do so many Americans completely neglect financial literacy for kids? Is it too awkward of a subject? Do parents feel like they don’t even grasp personal finances themsel]]></itunes:subtitle>
	<content:encoded><![CDATA[Teaching your kids about money is one of the most CRUCIAL parts of parenting. So why do so many Americans completely neglect financial literacy for kids? Is it too awkward of a subject? Do parents feel like they don’t even grasp personal finances themselves? What happens if YOUR kid goes into the world with zero money mastery? If you have children, grandchildren, nieces, nephews, or loved ones with kids, THIS is what you MUST teach them.  Instead of Mindy and Scott telling you what they taught their kids, Katie Trautman comes on the show to share what her FIRE father taught her about money. You may recognize Katie’s name; her father, Mark, was on the show just a few months ago. Mark was able to retire at age fifty, get Katie through college debt-free, and travel to his heart’s desire. He taught Katie some crucial personal finance lessons many of us never learned.  From saving to spending, investing, retirement accounts, and more, Katie goes through some of the top lessons her father taught her about finances before she left the house. Katie is about to start her first full-time job, and with a healthy emergency reserve, full retirement accounts, and the right money mindset, she’ll show you how she plans to retire earlier than her father even though she JUST started working.    In This Episode We Cover  Financial lessons you MUST teach your children before it’s too late  How to fund your child’s college through tax-advantaged investing accounts  Allowances and how to entice your child to save more than they spend  The “20%” rule that Katie has ALWAYS followed to set herself up for financial success  Why your kids SHOULD know how much money you make, save, and spend  The one thing Katie wishes she could change about growing up in a FI family  And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Scott's Instagram  Mindy on BiggerPockets  Grab Scott’s Book, “Set for Life”  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Money Moment  FIRE by 50: How to Have FUN on Your Journey Toward Early Retirement with Mark Trautman  Tracy Coenen (Forensic Accountant) Part 1  Tracy Coenen (Forensic Accountant) Part 2  5 Ways to Teach Your Kids About Finance & Investing    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-463     Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email us: moneymoment@biggerpockets.com]]></content:encoded>
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	<itunes:summary><![CDATA[Teaching your kids about money is one of the most CRUCIAL parts of parenting. So why do so many Americans completely neglect financial literacy for kids? Is it too awkward of a subject? Do parents feel like they don’t even grasp personal finances themselves? What happens if YOUR kid goes into the world with zero money mastery? If you have children, grandchildren, nieces, nephews, or loved ones with kids, THIS is what you MUST teach them.  Instead of Mindy and Scott telling you what they taught their kids, Katie Trautman comes on the show to share what her FIRE father taught her about money. You may recognize Katie’s name; her father, Mark, was on the show just a few months ago. Mark was able to retire at age fifty, get Katie through college debt-free, and travel to his heart’s desire. He taught Katie some crucial personal finance lessons many of us never learned.  From saving to spending, investing, retirement accounts, and more, Katie goes through some of the top lessons her father taught her about finances before she left the house. Katie is about to start her first full-time job, and with a healthy emergency reserve, full retirement accounts, and the right money mindset, she’ll show you how she plans to retire earlier than her father even though she JUST started working.    In This Episode We Cover  Financial lessons you MUST teach your children before it’s too late  How to fund your child’s college through tax-advantaged investing accounts  Allowances and how to entice your child to save more than they spend  The “20%” rule that Katie has ALWAYS followed to set herself up for financial success  Why your kids SHOULD know how much money you make, save, and spend  The one thing Katie wishes she could change about growing up in a FI family  And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Scott's Instagram  Mindy on BiggerPockets  Grab Scott’s Book, “Set for Life”  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Money Moment  FIRE by 50: How to Have FUN on Your Journey Toward Early Retirement with Mark Trautman  Tracy Coenen (Forensic Accountant) Part 1  Tracy Coenen (Forensic Accountant) Part 2  5 Ways to Teach Your Kids About Finance & Investing    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-463     Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email us: moneymoment@biggerpockets.com]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[Teaching your kids about money is one of the most CRUCIAL parts of parenting. So why do so many Americans completely neglect financial literacy for kids? Is it too awkward of a subject? Do parents feel like they don’t even grasp personal finances themselves? What happens if YOUR kid goes into the world with zero money mastery? If you have children, grandchildren, nieces, nephews, or loved ones with kids, THIS is what you MUST teach them.  Instead of Mindy and Scott telling you what they taught their kids, Katie Trautman comes on the show to share what her FIRE father taught her about money. You may recognize Katie’s name; her father, Mark, was on the show just a few months ago. Mark was able to retire at age fifty, get Katie through college debt-free, and travel to his heart’s desire. He taught Katie some crucial personal finance lessons many of us never learned.  From saving to spending, investing, retirement accounts, and more, Katie goes through some of the top lessons her father t]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
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<item>
	<title>462: Finance Friday: Could a Franchise Fuel My FIRE in 10 Years (Or Less)?</title>
	<link>https://biggerpocketsmoney.com/podcast/462-finance-friday-could-a-franchise-fuel-my-fire-in-10-years-or-less/</link>
	<pubDate>Fri, 27 Oct 2023 06:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">9c77e000-bed0-11ed-beb9-37d5425e89de</guid>
	<description><![CDATA[Want to reach FIRE long before you’re sixty-five? If you make a decent income, invest diligently, and watch your spending, you STILL could fall into the “trap” most FIRE-chasers find themselves in. By making one BIG mistake, you could be accidentally forcing yourself to work for years or decades longer to finally retire, even if you’ve reached your FIRE number! What “trap” are we referring to, and how do you ensure you’ll hit FIRE on your schedule? Stick around to find out!  Today, we talk to Chris, who works in medical sales and makes an income anyone would be happy to have. He lives in a high-cost-of-living area with a million-dollar home, expensive property and state taxes, and high expenses. But he still saves a solid amount of income every month. What’s he doing with his extra cash? Investing in index funds, generously donating, and…saving to buy into a franchise?  This franchise investment could make Chris millions, but there are a few red flags that Mindy and Scott can’t ignore. With a substantial initial investment and a partnership that could be tested at any point, Chris wants to know the best place to deploy his ample capital. Does he go head-first into the franchise, stick with index funds, or build robust retirement accounts? And with a FIRE timeline of ten years or less, how does he ensure he'll have enough money to support his lifestyle?    In This Episode We Cover  The common FIRE “trap” that could force you to work for far longer at your job  Investing in retirement vs. after-tax brokerage accounts and which to focus on for FIRE  How to access retirement funds even earlier if you decide to retire early  Investing in a franchise and what you MUST know before you put your money into one  The perfect FIRE portfolio and how to allocate your investments to support your early retirement lifestyle  Building/buying your forever home and when to put it off to invest  And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Scott's Instagram  Mindy on BiggerPockets  Grab Scott’s Book, “Set for Life”  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Money Moment  Accessing Retirement Funds Before Age 59½ with The Mad Fientist  Franchises 101: How to Find, Fund, and Profit from Owning a Franchise  How to Access Retirement Funds Early    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-462     Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email us: moneymoment@biggerpockets.com]]></description>
	<itunes:subtitle><![CDATA[Want to reach FIRE long before you’re sixty-five? If you make a decent income, invest diligently, and watch your spending, you STILL could fall into the “trap” most FIRE-chasers find themselves in. By making one BIG mistake, you could be accidentally for]]></itunes:subtitle>
	<content:encoded><![CDATA[Want to reach FIRE long before you’re sixty-five? If you make a decent income, invest diligently, and watch your spending, you STILL could fall into the “trap” most FIRE-chasers find themselves in. By making one BIG mistake, you could be accidentally forcing yourself to work for years or decades longer to finally retire, even if you’ve reached your FIRE number! What “trap” are we referring to, and how do you ensure you’ll hit FIRE on your schedule? Stick around to find out!  Today, we talk to Chris, who works in medical sales and makes an income anyone would be happy to have. He lives in a high-cost-of-living area with a million-dollar home, expensive property and state taxes, and high expenses. But he still saves a solid amount of income every month. What’s he doing with his extra cash? Investing in index funds, generously donating, and…saving to buy into a franchise?  This franchise investment could make Chris millions, but there are a few red flags that Mindy and Scott can’t ignore. With a substantial initial investment and a partnership that could be tested at any point, Chris wants to know the best place to deploy his ample capital. Does he go head-first into the franchise, stick with index funds, or build robust retirement accounts? And with a FIRE timeline of ten years or less, how does he ensure he'll have enough money to support his lifestyle?    In This Episode We Cover  The common FIRE “trap” that could force you to work for far longer at your job  Investing in retirement vs. after-tax brokerage accounts and which to focus on for FIRE  How to access retirement funds even earlier if you decide to retire early  Investing in a franchise and what you MUST know before you put your money into one  The perfect FIRE portfolio and how to allocate your investments to support your early retirement lifestyle  Building/buying your forever home and when to put it off to invest  And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Scott's Instagram  Mindy on BiggerPockets  Grab Scott’s Book, “Set for Life”  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Money Moment  Accessing Retirement Funds Before Age 59½ with The Mad Fientist  Franchises 101: How to Find, Fund, and Profit from Owning a Franchise  How to Access Retirement Funds Early    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-462     Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email us: moneymoment@biggerpockets.com]]></content:encoded>
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	<itunes:summary><![CDATA[Want to reach FIRE long before you’re sixty-five? If you make a decent income, invest diligently, and watch your spending, you STILL could fall into the “trap” most FIRE-chasers find themselves in. By making one BIG mistake, you could be accidentally forcing yourself to work for years or decades longer to finally retire, even if you’ve reached your FIRE number! What “trap” are we referring to, and how do you ensure you’ll hit FIRE on your schedule? Stick around to find out!  Today, we talk to Chris, who works in medical sales and makes an income anyone would be happy to have. He lives in a high-cost-of-living area with a million-dollar home, expensive property and state taxes, and high expenses. But he still saves a solid amount of income every month. What’s he doing with his extra cash? Investing in index funds, generously donating, and…saving to buy into a franchise?  This franchise investment could make Chris millions, but there are a few red flags that Mindy and Scott can’t ignore. With a substantial initial investment and a partnership that could be tested at any point, Chris wants to know the best place to deploy his ample capital. Does he go head-first into the franchise, stick with index funds, or build robust retirement accounts? And with a FIRE timeline of ten years or less, how does he ensure he'll have enough money to support his lifestyle?    In This Episode We Cover  The common FIRE “trap” that could force you to work for far longer at your job  Investing in retirement vs. after-tax brokerage accounts and which to focus on for FIRE  How to access retirement funds even earlier if you decide to retire early  Investing in a franchise and what you MUST know before you put your money into one  The perfect FIRE portfolio and how to allocate your investments to support your early retirement lifestyle  Building/buying your forever home and when to put it off to invest  And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Scott's Instagram  Mindy on BiggerPockets  Grab Scott’s Book, “Set for Life”  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Money Moment  Accessing Retirement Funds Before Age 59½ with The Mad Fientist  Franchises 101: How to Find, Fund, and Profit from Owning a Franchise  How to Access Retirement Funds Early    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-462     Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email us: moneymoment@biggerpockets.com]]></itunes:summary>
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	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[Want to reach FIRE long before you’re sixty-five? If you make a decent income, invest diligently, and watch your spending, you STILL could fall into the “trap” most FIRE-chasers find themselves in. By making one BIG mistake, you could be accidentally forcing yourself to work for years or decades longer to finally retire, even if you’ve reached your FIRE number! What “trap” are we referring to, and how do you ensure you’ll hit FIRE on your schedule? Stick around to find out!  Today, we talk to Chris, who works in medical sales and makes an income anyone would be happy to have. He lives in a high-cost-of-living area with a million-dollar home, expensive property and state taxes, and high expenses. But he still saves a solid amount of income every month. What’s he doing with his extra cash? Investing in index funds, generously donating, and…saving to buy into a franchise?  This franchise investment could make Chris millions, but there are a few red flags that Mindy and Scott can’t ignore]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
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<item>
	<title>461: How to Pull Yourself Out of Car, Student, or Credit Card Debt</title>
	<link>https://biggerpocketsmoney.com/podcast/461-how-to-pull-yourself-out-of-car-student-or-credit-card-debt/</link>
	<pubDate>Mon, 23 Oct 2023 06:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
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	<description><![CDATA[You want to retire, but you’ve got credit debt, auto loans, and student loans. It feels like every time you get your paycheck, it quickly slips away, and at the end of every month, you’re left in the same position, or worse, than thirty days prior. What’s happening, and why is it SO hard to get out of debt? And will you EVER be able to retire if you keep living this way?  Seth Godwin was fired from his job while holding $30,000 in credit card debt. He had no way to pay it off, but somehow, over the next two years, he was able to become debt-free, increase his credit score by hundreds of points, and become one of the internet’s leading financial influencers. After crawling out of debt, Seth began working at a financial institution, looking at car loans, realizing how many people, like him, had been scammed into throwing tens of thousands of dollars away.  Now, on the other side of the financial spectrum, Seth is financially flourishing with a steady stream of income, stable investments, and twenty-seven (!) credit cards—but he’s still debt-free! In this episode, Seth will show you EXACTLY how car salespeople are scamming you, how to escape credit card debt confidently, what to do now that student loans are resuming, and why you SHOULDN’T trade in your old car.    In This Episode We Cover  The common auto loan scams that trick you into spending FAR more than you should  Why you should NEVER trade in a “negative equity” car to upgrade  The best car makes to buy (and two that rarely break down)  How to crawl yourself out of credit card debt and come out with a 700/800 credit score  How much money Seth makes on TikTok every month (it’s WILD!)  Student loan resumption and whether college is worth the increase in salary  And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Scott's Instagram  Mindy on BiggerPockets  Grab Scott’s Book, “Set for Life”  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Money Moment  Is College Worth It (Part1)  Is College Worth It (Part 2)  Liz Frugalwoods  Tinian Crawford  Side Hustle Resources:  Side Hustle Nation  Budgets Are Sexy    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-461     Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email us: moneymoment@biggerpockets.com]]></description>
	<itunes:subtitle><![CDATA[You want to retire, but you’ve got credit debt, auto loans, and student loans. It feels like every time you get your paycheck, it quickly slips away, and at the end of every month, you’re left in the same position, or worse, than thirty days prior. What’]]></itunes:subtitle>
	<content:encoded><![CDATA[You want to retire, but you’ve got credit debt, auto loans, and student loans. It feels like every time you get your paycheck, it quickly slips away, and at the end of every month, you’re left in the same position, or worse, than thirty days prior. What’s happening, and why is it SO hard to get out of debt? And will you EVER be able to retire if you keep living this way?  Seth Godwin was fired from his job while holding $30,000 in credit card debt. He had no way to pay it off, but somehow, over the next two years, he was able to become debt-free, increase his credit score by hundreds of points, and become one of the internet’s leading financial influencers. After crawling out of debt, Seth began working at a financial institution, looking at car loans, realizing how many people, like him, had been scammed into throwing tens of thousands of dollars away.  Now, on the other side of the financial spectrum, Seth is financially flourishing with a steady stream of income, stable investments, and twenty-seven (!) credit cards—but he’s still debt-free! In this episode, Seth will show you EXACTLY how car salespeople are scamming you, how to escape credit card debt confidently, what to do now that student loans are resuming, and why you SHOULDN’T trade in your old car.    In This Episode We Cover  The common auto loan scams that trick you into spending FAR more than you should  Why you should NEVER trade in a “negative equity” car to upgrade  The best car makes to buy (and two that rarely break down)  How to crawl yourself out of credit card debt and come out with a 700/800 credit score  How much money Seth makes on TikTok every month (it’s WILD!)  Student loan resumption and whether college is worth the increase in salary  And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Scott's Instagram  Mindy on BiggerPockets  Grab Scott’s Book, “Set for Life”  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Money Moment  Is College Worth It (Part1)  Is College Worth It (Part 2)  Liz Frugalwoods  Tinian Crawford  Side Hustle Resources:  Side Hustle Nation  Budgets Are Sexy    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-461     Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email us: moneymoment@biggerpockets.com]]></content:encoded>
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	<itunes:summary><![CDATA[You want to retire, but you’ve got credit debt, auto loans, and student loans. It feels like every time you get your paycheck, it quickly slips away, and at the end of every month, you’re left in the same position, or worse, than thirty days prior. What’s happening, and why is it SO hard to get out of debt? And will you EVER be able to retire if you keep living this way?  Seth Godwin was fired from his job while holding $30,000 in credit card debt. He had no way to pay it off, but somehow, over the next two years, he was able to become debt-free, increase his credit score by hundreds of points, and become one of the internet’s leading financial influencers. After crawling out of debt, Seth began working at a financial institution, looking at car loans, realizing how many people, like him, had been scammed into throwing tens of thousands of dollars away.  Now, on the other side of the financial spectrum, Seth is financially flourishing with a steady stream of income, stable investments, and twenty-seven (!) credit cards—but he’s still debt-free! In this episode, Seth will show you EXACTLY how car salespeople are scamming you, how to escape credit card debt confidently, what to do now that student loans are resuming, and why you SHOULDN’T trade in your old car.    In This Episode We Cover  The common auto loan scams that trick you into spending FAR more than you should  Why you should NEVER trade in a “negative equity” car to upgrade  The best car makes to buy (and two that rarely break down)  How to crawl yourself out of credit card debt and come out with a 700/800 credit score  How much money Seth makes on TikTok every month (it’s WILD!)  Student loan resumption and whether college is worth the increase in salary  And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Scott's Instagram  Mindy on BiggerPockets  Grab Scott’s Book, “Set for Life”  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Money Moment  Is College Worth It (Part1)  Is College Worth It (Part 2)  Liz Frugalwoods  Tinian Crawford  Side Hustle Resources:  Side Hustle Nation  Budgets Are Sexy    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-461     Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email us: moneymoment@biggerpockets.com]]></itunes:summary>
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	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[You want to retire, but you’ve got credit debt, auto loans, and student loans. It feels like every time you get your paycheck, it quickly slips away, and at the end of every month, you’re left in the same position, or worse, than thirty days prior. What’s happening, and why is it SO hard to get out of debt? And will you EVER be able to retire if you keep living this way?  Seth Godwin was fired from his job while holding $30,000 in credit card debt. He had no way to pay it off, but somehow, over the next two years, he was able to become debt-free, increase his credit score by hundreds of points, and become one of the internet’s leading financial influencers. After crawling out of debt, Seth began working at a financial institution, looking at car loans, realizing how many people, like him, had been scammed into throwing tens of thousands of dollars away.  Now, on the other side of the financial spectrum, Seth is financially flourishing with a steady stream of income, stable investments]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
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<item>
	<title>460: The Fast Road to FIRE and Our Housing Market Crash Predictions &#124; Ask Mindy and Scott</title>
	<link>https://biggerpocketsmoney.com/podcast/460-the-fast-road-to-fire-and-our-housing-market-crash-predictions-ask-mindy-and-scott/</link>
	<pubDate>Fri, 20 Oct 2023 06:00:00 +0000</pubDate>
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	<description><![CDATA[Will the housing market crash? If you’re like most Americans, the economy is starting to feel a bit unsettling. But, with so many homeowners locked into low mortgage rates or owning their homes outright, is there even a possibility of a housing crash, regardless of whether a recession does happen? The answer isn’t as straightforward as most people think, and if you don’t know the facts, you could get caught off guard.  Mindy and Scott are back to answer YOUR money questions. This time, we’re taking questions from our Facebook Group, and MANY have to do with mortgage rates, home sales, and a potential crash. First, we answer what could cause a housing market crash in the near future. Then, a listener asks whether or not they should sell their home to pay off credit card debt. An investor wants to know if paying off their mortgage early beats the stock market, and a divorcee seeks to sell her home because of “bad juju.” The problem? She’s got a killer mortgage rate. Finally, we’ll debate stocks vs. real estate as the best path to FIRE!  Got a money question you want to ask Mindy and Scott? Head over to the BiggerPockets Money Facebook group, or click here to submit your question on our next Q&A episode!  In This Episode We Cover  Could the housing market crash? And if so, which areas will be most affected?  Crazy credit card debt and whether selling your home is worth being debt-free  Should you stay in a house you hate just because you have a low rate?  When leaving your business to go back to a W2 makes sense  Paying off your mortgage early vs. investing in stocks when rates are sky-high  The fastest path to financial freedom and whether stocks vs. real estate gets you there sooner  And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Scott's Instagram  Mindy on BiggerPockets  Grab Scott’s Book, “Set for Life”  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Money Moment  Money and Relationships: How to Have “The Talk” Before It’s Too Late w/Vivian Tu  Seriously—Why Hasn’t the Housing Market Crashed Yet?  Should You Pay Off Your Mortgage Early or Invest?  I Will Teach You To Be Rich Episode 80    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-460     Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email us: moneymoment@biggerpockets.com]]></description>
	<itunes:subtitle><![CDATA[Will the housing market crash? If you’re like most Americans, the economy is starting to feel a bit unsettling. But, with so many homeowners locked into low mortgage rates or owning their homes outright, is there even a possibility of a housing crash, re]]></itunes:subtitle>
	<content:encoded><![CDATA[Will the housing market crash? If you’re like most Americans, the economy is starting to feel a bit unsettling. But, with so many homeowners locked into low mortgage rates or owning their homes outright, is there even a possibility of a housing crash, regardless of whether a recession does happen? The answer isn’t as straightforward as most people think, and if you don’t know the facts, you could get caught off guard.  Mindy and Scott are back to answer YOUR money questions. This time, we’re taking questions from our Facebook Group, and MANY have to do with mortgage rates, home sales, and a potential crash. First, we answer what could cause a housing market crash in the near future. Then, a listener asks whether or not they should sell their home to pay off credit card debt. An investor wants to know if paying off their mortgage early beats the stock market, and a divorcee seeks to sell her home because of “bad juju.” The problem? She’s got a killer mortgage rate. Finally, we’ll debate stocks vs. real estate as the best path to FIRE!  Got a money question you want to ask Mindy and Scott? Head over to the BiggerPockets Money Facebook group, or click here to submit your question on our next Q&A episode!  In This Episode We Cover  Could the housing market crash? And if so, which areas will be most affected?  Crazy credit card debt and whether selling your home is worth being debt-free  Should you stay in a house you hate just because you have a low rate?  When leaving your business to go back to a W2 makes sense  Paying off your mortgage early vs. investing in stocks when rates are sky-high  The fastest path to financial freedom and whether stocks vs. real estate gets you there sooner  And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Scott's Instagram  Mindy on BiggerPockets  Grab Scott’s Book, “Set for Life”  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Money Moment  Money and Relationships: How to Have “The Talk” Before It’s Too Late w/Vivian Tu  Seriously—Why Hasn’t the Housing Market Crashed Yet?  Should You Pay Off Your Mortgage Early or Invest?  I Will Teach You To Be Rich Episode 80    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-460     Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email us: moneymoment@biggerpockets.com]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC6112565585.mp3" length="29867292" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[Will the housing market crash? If you’re like most Americans, the economy is starting to feel a bit unsettling. But, with so many homeowners locked into low mortgage rates or owning their homes outright, is there even a possibility of a housing crash, regardless of whether a recession does happen? The answer isn’t as straightforward as most people think, and if you don’t know the facts, you could get caught off guard.  Mindy and Scott are back to answer YOUR money questions. This time, we’re taking questions from our Facebook Group, and MANY have to do with mortgage rates, home sales, and a potential crash. First, we answer what could cause a housing market crash in the near future. Then, a listener asks whether or not they should sell their home to pay off credit card debt. An investor wants to know if paying off their mortgage early beats the stock market, and a divorcee seeks to sell her home because of “bad juju.” The problem? She’s got a killer mortgage rate. Finally, we’ll debate stocks vs. real estate as the best path to FIRE!  Got a money question you want to ask Mindy and Scott? Head over to the BiggerPockets Money Facebook group, or click here to submit your question on our next Q&A episode!  In This Episode We Cover  Could the housing market crash? And if so, which areas will be most affected?  Crazy credit card debt and whether selling your home is worth being debt-free  Should you stay in a house you hate just because you have a low rate?  When leaving your business to go back to a W2 makes sense  Paying off your mortgage early vs. investing in stocks when rates are sky-high  The fastest path to financial freedom and whether stocks vs. real estate gets you there sooner  And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Scott's Instagram  Mindy on BiggerPockets  Grab Scott’s Book, “Set for Life”  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Money Moment  Money and Relationships: How to Have “The Talk” Before It’s Too Late w/Vivian Tu  Seriously—Why Hasn’t the Housing Market Crashed Yet?  Should You Pay Off Your Mortgage Early or Invest?  I Will Teach You To Be Rich Episode 80    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-460     Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email us: moneymoment@biggerpockets.com]]></itunes:summary>
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	<itunes:block>no</itunes:block>
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	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[Will the housing market crash? If you’re like most Americans, the economy is starting to feel a bit unsettling. But, with so many homeowners locked into low mortgage rates or owning their homes outright, is there even a possibility of a housing crash, regardless of whether a recession does happen? The answer isn’t as straightforward as most people think, and if you don’t know the facts, you could get caught off guard.  Mindy and Scott are back to answer YOUR money questions. This time, we’re taking questions from our Facebook Group, and MANY have to do with mortgage rates, home sales, and a potential crash. First, we answer what could cause a housing market crash in the near future. Then, a listener asks whether or not they should sell their home to pay off credit card debt. An investor wants to know if paying off their mortgage early beats the stock market, and a divorcee seeks to sell her home because of “bad juju.” The problem? She’s got a killer mortgage rate. Finally, we’ll debat]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
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<item>
	<title>459: Divorce Season: How to Protect Your Financial Future During Separation</title>
	<link>https://biggerpocketsmoney.com/podcast/459-divorce-season-how-to-protect-your-financial-future-during-separation/</link>
	<pubDate>Mon, 16 Oct 2023 06:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
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	<description><![CDATA[Marriage and money are known for mixing like oil and water, but a little financial knowledge will allow you to navigate these sensitive issues with confidence. Today’s guest is an expert on this front and is here to equip you with some future-saving finance tips!  Welcome back to the BiggerPockets Money podcast! In this episode, we’re joined by Tracy Coenen, a forensic accountant who specializes in unearthing money shenanigans in marriages. On most days, Tracy works closely with spouses who suspect financial infidelity or that their partner is making financial arrangements in preparation for a divorce. This is a vulnerable position for any partner to be in, but with Tracy in their corner, they can better handle their finances and weather the storm.  Whether you’re single, preparing for marriage, or filing for divorce, this episode is loaded with all kinds of personal finance tips that will help you protect your financial future. Tracy shares why it’s critical for all couples to draft up prenuptial agreements before getting married, the biggest warning signs of financial infidelity in a partner, and when you might need to hire a forensic accountant to assist with your marital money problems. Stay tuned until the very end to hear about some of the wildest cases Tracy has worked on over the years!    In This Episode We Cover  Common marriage and money-related stressors that contribute to divorce  When to hire a forensic accountant for your marital money issues  The biggest warning signs of financial infidelity or divorce planning  Why you and your partner NEED a prenuptial agreement before getting married  Keeping legal costs under control during the divorce process  How a couple’s finances and assets are typically divided in a divorce  And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Scott's Instagram  Mindy on BiggerPockets  Grab Scott’s Book, “Set for Life”  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Money Moment  What Out for These Financial Infidelity “Red Flags” in Your Marriage w/ Tracy Coenen  Why You’re (Probably) Wrong About Prenups w/ Aaron Thomas  Money and Relationships: How to Have “The Talk” Before It’s Too Late w/ Vivian Tu  Getting Financially “Naked” with Your Significant Other w/ Erin Lowry  Connect with Tracy and Get $100 Off Your Divorce Money Guide    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-459     Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email us: moneymoment@biggerpockets.com]]></description>
	<itunes:subtitle><![CDATA[Marriage and money are known for mixing like oil and water, but a little financial knowledge will allow you to navigate these sensitive issues with confidence. Today’s guest is an expert on this front and is here to equip you with some future-saving fina]]></itunes:subtitle>
	<content:encoded><![CDATA[Marriage and money are known for mixing like oil and water, but a little financial knowledge will allow you to navigate these sensitive issues with confidence. Today’s guest is an expert on this front and is here to equip you with some future-saving finance tips!  Welcome back to the BiggerPockets Money podcast! In this episode, we’re joined by Tracy Coenen, a forensic accountant who specializes in unearthing money shenanigans in marriages. On most days, Tracy works closely with spouses who suspect financial infidelity or that their partner is making financial arrangements in preparation for a divorce. This is a vulnerable position for any partner to be in, but with Tracy in their corner, they can better handle their finances and weather the storm.  Whether you’re single, preparing for marriage, or filing for divorce, this episode is loaded with all kinds of personal finance tips that will help you protect your financial future. Tracy shares why it’s critical for all couples to draft up prenuptial agreements before getting married, the biggest warning signs of financial infidelity in a partner, and when you might need to hire a forensic accountant to assist with your marital money problems. Stay tuned until the very end to hear about some of the wildest cases Tracy has worked on over the years!    In This Episode We Cover  Common marriage and money-related stressors that contribute to divorce  When to hire a forensic accountant for your marital money issues  The biggest warning signs of financial infidelity or divorce planning  Why you and your partner NEED a prenuptial agreement before getting married  Keeping legal costs under control during the divorce process  How a couple’s finances and assets are typically divided in a divorce  And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Scott's Instagram  Mindy on BiggerPockets  Grab Scott’s Book, “Set for Life”  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Money Moment  What Out for These Financial Infidelity “Red Flags” in Your Marriage w/ Tracy Coenen  Why You’re (Probably) Wrong About Prenups w/ Aaron Thomas  Money and Relationships: How to Have “The Talk” Before It’s Too Late w/ Vivian Tu  Getting Financially “Naked” with Your Significant Other w/ Erin Lowry  Connect with Tracy and Get $100 Off Your Divorce Money Guide    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-459     Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email us: moneymoment@biggerpockets.com]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC1734330665.mp3" length="37600292" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[Marriage and money are known for mixing like oil and water, but a little financial knowledge will allow you to navigate these sensitive issues with confidence. Today’s guest is an expert on this front and is here to equip you with some future-saving finance tips!  Welcome back to the BiggerPockets Money podcast! In this episode, we’re joined by Tracy Coenen, a forensic accountant who specializes in unearthing money shenanigans in marriages. On most days, Tracy works closely with spouses who suspect financial infidelity or that their partner is making financial arrangements in preparation for a divorce. This is a vulnerable position for any partner to be in, but with Tracy in their corner, they can better handle their finances and weather the storm.  Whether you’re single, preparing for marriage, or filing for divorce, this episode is loaded with all kinds of personal finance tips that will help you protect your financial future. Tracy shares why it’s critical for all couples to draft up prenuptial agreements before getting married, the biggest warning signs of financial infidelity in a partner, and when you might need to hire a forensic accountant to assist with your marital money problems. Stay tuned until the very end to hear about some of the wildest cases Tracy has worked on over the years!    In This Episode We Cover  Common marriage and money-related stressors that contribute to divorce  When to hire a forensic accountant for your marital money issues  The biggest warning signs of financial infidelity or divorce planning  Why you and your partner NEED a prenuptial agreement before getting married  Keeping legal costs under control during the divorce process  How a couple’s finances and assets are typically divided in a divorce  And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Scott's Instagram  Mindy on BiggerPockets  Grab Scott’s Book, “Set for Life”  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Money Moment  What Out for These Financial Infidelity “Red Flags” in Your Marriage w/ Tracy Coenen  Why You’re (Probably) Wrong About Prenups w/ Aaron Thomas  Money and Relationships: How to Have “The Talk” Before It’s Too Late w/ Vivian Tu  Getting Financially “Naked” with Your Significant Other w/ Erin Lowry  Connect with Tracy and Get $100 Off Your Divorce Money Guide    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-459     Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email us: moneymoment@biggerpockets.com]]></itunes:summary>
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	<itunes:block>no</itunes:block>
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	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[Marriage and money are known for mixing like oil and water, but a little financial knowledge will allow you to navigate these sensitive issues with confidence. Today’s guest is an expert on this front and is here to equip you with some future-saving finance tips!  Welcome back to the BiggerPockets Money podcast! In this episode, we’re joined by Tracy Coenen, a forensic accountant who specializes in unearthing money shenanigans in marriages. On most days, Tracy works closely with spouses who suspect financial infidelity or that their partner is making financial arrangements in preparation for a divorce. This is a vulnerable position for any partner to be in, but with Tracy in their corner, they can better handle their finances and weather the storm.  Whether you’re single, preparing for marriage, or filing for divorce, this episode is loaded with all kinds of personal finance tips that will help you protect your financial future. Tracy shares why it’s critical for all couples to draft ]]></googleplay:description>
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	<title>458: Finance Friday: Pay Off Debt, Invest in Real Estate, or…Buy Vending Machines?</title>
	<link>https://biggerpocketsmoney.com/podcast/458-finance-friday-pay-off-debt-invest-in-real-estate-orbuy-vending-machines/</link>
	<pubDate>Fri, 13 Oct 2023 06:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
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	<description><![CDATA[What if one part-time side hustle could replace your entire income? Even better, what if you could keep your full-time job and spend a few hours a week making thousands extra a month, raking in cash, and reaching financial freedomfaster? If you’re today’s guest, Ryan, then this is the situation you find yourself in. Don’t know which super lucrative side hustle we’re talking about? Stick around because you may have never thought of it before.  Ryan works full-time as a registered nurse in one of the most expensive areas of the country, Northern California. He’s made some ingenious money moves that allowed him to quadruple his income in just four years and live close to free every month in his own house. But, with a baby on the way, Ryan’s lucrative house hacking lifestyle may be coming to a close, and he’s debating what to do next. Should he pay off student loans, buy another home for his new family, stay in his current property, or expand his successful side hustle?  The good thing is that any of these moves could make Ryan richer, but he’ll be strapped for time with a sixty-hour-per-week working schedule and a newborn requiring constant attention. So, what’s the best money move to make for his future family? And should he go all-in on this wild side hustle that could make him even more than his job?    In This Episode We Cover  Ryan’s unbelievably profitable side hustle that almost anyone can start NOW  House hacking 101 and how to live-mortgage free every month  When paying off debt DOESN’T make sense (and what you should do with the money instead)  Investing in real estate vs. your side hustle and why mortgage rates have changed the game  Buying businesses from retiring baby boomers and the HUGE opportunities out there  How Ryan quadrupled his salary in just four years (without burning out!)  And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Scott's Instagram  Mindy on BiggerPockets  Grab Scott’s Book, “Set for Life”  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Money Moment  Alex Hormozi on The “Weak Links” That Will Make Anyone a Millionaire  Leila and Alex Hormozi’s Unbelievably Simple Investing Advice  Codie Sanchez: These “Boring Businesses” Will Make You Rich  How to Make Extra Money in 2023: 21 Ideas for Part-Time Gigs & Side Hustles  Passive Income, Aggressive Retirement    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-458     Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email us: moneymoment@biggerpockets.com]]></description>
	<itunes:subtitle><![CDATA[What if one part-time side hustle could replace your entire income? Even better, what if you could keep your full-time job and spend a few hours a week making thousands extra a month, raking in cash, and reaching financial freedomfaster? If you’re today’]]></itunes:subtitle>
	<content:encoded><![CDATA[What if one part-time side hustle could replace your entire income? Even better, what if you could keep your full-time job and spend a few hours a week making thousands extra a month, raking in cash, and reaching financial freedomfaster? If you’re today’s guest, Ryan, then this is the situation you find yourself in. Don’t know which super lucrative side hustle we’re talking about? Stick around because you may have never thought of it before.  Ryan works full-time as a registered nurse in one of the most expensive areas of the country, Northern California. He’s made some ingenious money moves that allowed him to quadruple his income in just four years and live close to free every month in his own house. But, with a baby on the way, Ryan’s lucrative house hacking lifestyle may be coming to a close, and he’s debating what to do next. Should he pay off student loans, buy another home for his new family, stay in his current property, or expand his successful side hustle?  The good thing is that any of these moves could make Ryan richer, but he’ll be strapped for time with a sixty-hour-per-week working schedule and a newborn requiring constant attention. So, what’s the best money move to make for his future family? And should he go all-in on this wild side hustle that could make him even more than his job?    In This Episode We Cover  Ryan’s unbelievably profitable side hustle that almost anyone can start NOW  House hacking 101 and how to live-mortgage free every month  When paying off debt DOESN’T make sense (and what you should do with the money instead)  Investing in real estate vs. your side hustle and why mortgage rates have changed the game  Buying businesses from retiring baby boomers and the HUGE opportunities out there  How Ryan quadrupled his salary in just four years (without burning out!)  And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Scott's Instagram  Mindy on BiggerPockets  Grab Scott’s Book, “Set for Life”  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Money Moment  Alex Hormozi on The “Weak Links” That Will Make Anyone a Millionaire  Leila and Alex Hormozi’s Unbelievably Simple Investing Advice  Codie Sanchez: These “Boring Businesses” Will Make You Rich  How to Make Extra Money in 2023: 21 Ideas for Part-Time Gigs & Side Hustles  Passive Income, Aggressive Retirement    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-458     Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email us: moneymoment@biggerpockets.com]]></content:encoded>
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	<itunes:summary><![CDATA[What if one part-time side hustle could replace your entire income? Even better, what if you could keep your full-time job and spend a few hours a week making thousands extra a month, raking in cash, and reaching financial freedomfaster? If you’re today’s guest, Ryan, then this is the situation you find yourself in. Don’t know which super lucrative side hustle we’re talking about? Stick around because you may have never thought of it before.  Ryan works full-time as a registered nurse in one of the most expensive areas of the country, Northern California. He’s made some ingenious money moves that allowed him to quadruple his income in just four years and live close to free every month in his own house. But, with a baby on the way, Ryan’s lucrative house hacking lifestyle may be coming to a close, and he’s debating what to do next. Should he pay off student loans, buy another home for his new family, stay in his current property, or expand his successful side hustle?  The good thing is that any of these moves could make Ryan richer, but he’ll be strapped for time with a sixty-hour-per-week working schedule and a newborn requiring constant attention. So, what’s the best money move to make for his future family? And should he go all-in on this wild side hustle that could make him even more than his job?    In This Episode We Cover  Ryan’s unbelievably profitable side hustle that almost anyone can start NOW  House hacking 101 and how to live-mortgage free every month  When paying off debt DOESN’T make sense (and what you should do with the money instead)  Investing in real estate vs. your side hustle and why mortgage rates have changed the game  Buying businesses from retiring baby boomers and the HUGE opportunities out there  How Ryan quadrupled his salary in just four years (without burning out!)  And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Scott's Instagram  Mindy on BiggerPockets  Grab Scott’s Book, “Set for Life”  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Money Moment  Alex Hormozi on The “Weak Links” That Will Make Anyone a Millionaire  Leila and Alex Hormozi’s Unbelievably Simple Investing Advice  Codie Sanchez: These “Boring Businesses” Will Make You Rich  How to Make Extra Money in 2023: 21 Ideas for Part-Time Gigs & Side Hustles  Passive Income, Aggressive Retirement    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-458     Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email us: moneymoment@biggerpockets.com]]></itunes:summary>
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	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[What if one part-time side hustle could replace your entire income? Even better, what if you could keep your full-time job and spend a few hours a week making thousands extra a month, raking in cash, and reaching financial freedomfaster? If you’re today’s guest, Ryan, then this is the situation you find yourself in. Don’t know which super lucrative side hustle we’re talking about? Stick around because you may have never thought of it before.  Ryan works full-time as a registered nurse in one of the most expensive areas of the country, Northern California. He’s made some ingenious money moves that allowed him to quadruple his income in just four years and live close to free every month in his own house. But, with a baby on the way, Ryan’s lucrative house hacking lifestyle may be coming to a close, and he’s debating what to do next. Should he pay off student loans, buy another home for his new family, stay in his current property, or expand his successful side hustle?  The good thing is]]></googleplay:description>
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<item>
	<title>457: Money and Relationships: How to Have “The Talk” Before It’s Too Late w/Vivian Tu AKA “Your Rich BFF”</title>
	<link>https://biggerpocketsmoney.com/podcast/457-money-and-relationships-how-to-have-the-talk-before-its-too-late-w-vivian-tu-aka-your-rich-bff/</link>
	<pubDate>Mon, 09 Oct 2023 06:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
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	<description><![CDATA[Vivian Tu, AKA “Your Rich BFF,” is the internet’s expert on money and personal finance. She was doing schoolyard trades before she worked on Wall Street, and now, as the host of Networth and Chill, she talks about the much more profound aspects of finances. Stuff like love, marriage, happiness, and when to ditch another date with someone who could put you in financial ruin.  Americans tend to think with their hearts and less with their heads when finding love. The problem with that logic? Money is usually the single-largest reason for divorce, so if your partner doesn’t have their money right, your relationship could be rocky. So, how do you know from the jump if someone is financially savvy enough to build your life with? And, if you already have a partner, what do you do if they’re not in the financial spot you need them to be in?  In this episode, Vivian walks through the financial red flags you should look for on a first date, questions to ask to see how a potential partner is doing financially, the BIGGEST money mistake in relationships, and how to start financial planning together so you can live a happier, healthier, and wealthier life.    In This Episode We Cover  The biggest money mistake that most couples make (and how to fix it NOW)  Money questions to ask on a first date (they won’t know you’re asking about money...)  The mandatory “money date” that Vivian and her partner regularly have  Make a change or break up? What to do when your partner isn’t on the same financial path as you  Financial planning as a couple and accomplishing your biggest financial goals together  And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Mindy on BiggerPockets  Amanda's Instagram  Amanda's Website  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Listen to The Real Estate InvestHER Show  Join The Real Estate InvestHER Community on Facebook  Money Moment  16 Money Skills They Didn’t Teach You in High School  Divorce: The Biggest Marriage and Money Mistakes to Avoid  Smart Money Mamas’ Emergency Binder    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-457     Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email us: moneymoment@biggerpockets.com]]></description>
	<itunes:subtitle><![CDATA[Vivian Tu, AKA “Your Rich BFF,” is the internet’s expert on money and personal finance. She was doing schoolyard trades before she worked on Wall Street, and now, as the host of Networth and Chill, she talks about the much more profound aspects of financ]]></itunes:subtitle>
	<content:encoded><![CDATA[Vivian Tu, AKA “Your Rich BFF,” is the internet’s expert on money and personal finance. She was doing schoolyard trades before she worked on Wall Street, and now, as the host of Networth and Chill, she talks about the much more profound aspects of finances. Stuff like love, marriage, happiness, and when to ditch another date with someone who could put you in financial ruin.  Americans tend to think with their hearts and less with their heads when finding love. The problem with that logic? Money is usually the single-largest reason for divorce, so if your partner doesn’t have their money right, your relationship could be rocky. So, how do you know from the jump if someone is financially savvy enough to build your life with? And, if you already have a partner, what do you do if they’re not in the financial spot you need them to be in?  In this episode, Vivian walks through the financial red flags you should look for on a first date, questions to ask to see how a potential partner is doing financially, the BIGGEST money mistake in relationships, and how to start financial planning together so you can live a happier, healthier, and wealthier life.    In This Episode We Cover  The biggest money mistake that most couples make (and how to fix it NOW)  Money questions to ask on a first date (they won’t know you’re asking about money...)  The mandatory “money date” that Vivian and her partner regularly have  Make a change or break up? What to do when your partner isn’t on the same financial path as you  Financial planning as a couple and accomplishing your biggest financial goals together  And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Mindy on BiggerPockets  Amanda's Instagram  Amanda's Website  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Listen to The Real Estate InvestHER Show  Join The Real Estate InvestHER Community on Facebook  Money Moment  16 Money Skills They Didn’t Teach You in High School  Divorce: The Biggest Marriage and Money Mistakes to Avoid  Smart Money Mamas’ Emergency Binder    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-457     Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email us: moneymoment@biggerpockets.com]]></content:encoded>
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	<itunes:summary><![CDATA[Vivian Tu, AKA “Your Rich BFF,” is the internet’s expert on money and personal finance. She was doing schoolyard trades before she worked on Wall Street, and now, as the host of Networth and Chill, she talks about the much more profound aspects of finances. Stuff like love, marriage, happiness, and when to ditch another date with someone who could put you in financial ruin.  Americans tend to think with their hearts and less with their heads when finding love. The problem with that logic? Money is usually the single-largest reason for divorce, so if your partner doesn’t have their money right, your relationship could be rocky. So, how do you know from the jump if someone is financially savvy enough to build your life with? And, if you already have a partner, what do you do if they’re not in the financial spot you need them to be in?  In this episode, Vivian walks through the financial red flags you should look for on a first date, questions to ask to see how a potential partner is doing financially, the BIGGEST money mistake in relationships, and how to start financial planning together so you can live a happier, healthier, and wealthier life.    In This Episode We Cover  The biggest money mistake that most couples make (and how to fix it NOW)  Money questions to ask on a first date (they won’t know you’re asking about money...)  The mandatory “money date” that Vivian and her partner regularly have  Make a change or break up? What to do when your partner isn’t on the same financial path as you  Financial planning as a couple and accomplishing your biggest financial goals together  And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Mindy on BiggerPockets  Amanda's Instagram  Amanda's Website  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Listen to The Real Estate InvestHER Show  Join The Real Estate InvestHER Community on Facebook  Money Moment  16 Money Skills They Didn’t Teach You in High School  Divorce: The Biggest Marriage and Money Mistakes to Avoid  Smart Money Mamas’ Emergency Binder    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-457     Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email us: moneymoment@biggerpockets.com]]></itunes:summary>
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	<itunes:block>no</itunes:block>
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	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[Vivian Tu, AKA “Your Rich BFF,” is the internet’s expert on money and personal finance. She was doing schoolyard trades before she worked on Wall Street, and now, as the host of Networth and Chill, she talks about the much more profound aspects of finances. Stuff like love, marriage, happiness, and when to ditch another date with someone who could put you in financial ruin.  Americans tend to think with their hearts and less with their heads when finding love. The problem with that logic? Money is usually the single-largest reason for divorce, so if your partner doesn’t have their money right, your relationship could be rocky. So, how do you know from the jump if someone is financially savvy enough to build your life with? And, if you already have a partner, what do you do if they’re not in the financial spot you need them to be in?  In this episode, Vivian walks through the financial red flags you should look for on a first date, questions to ask to see how a potential partner is doi]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
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<item>
	<title>456: The Harsh Reality Real Estate Syndicators (and Investors) Face in 2024</title>
	<link>https://biggerpocketsmoney.com/podcast/456-the-harsh-reality-real-estate-syndicators-and-investors-face-in-2024/</link>
	<pubDate>Fri, 06 Oct 2023 06:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
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	<description><![CDATA[Many real estate syndications are facing absolute failure in 2023. But, even if you aren’t investing in any, this could be a learning experience like no other to help you build your wealth in the future. If you’ve never heard of a real estate syndication before, here’s a quick summary: a real estate syndication is where an “operator” raises money from a group of investors to buy a large commercial property, often an apartment complex, self-storage facility, or housing community. Over the past ten years, these investments have boasted massive profits, but everything is about to change.  Real estate syndications face obstacles like they never have before. Rising interest rates and vacancies, a backlog of evictions, plummeting prices, and inexperienced operators who have NEVER been in a down market. These failed deals could lead to opportunities for you to invest at a massive margin, but how do you know which deal is worth putting money into?  J Scott, world-famous investor, flipper, syndicator, and author, is on the show to explain exactly what to look for in a syndication, whether investing now is the right move to make, and what to know before investing in a syndication. The right syndication can make you hundreds of thousands in a completely hands-off, passive investment. The wrong syndication can tank your entire net worth. How do you know which is which? Tune in!       In This Episode We Cover  Syndication investing explained and whether putting money into this “passive” investment is worth it  The commercial real estate crash and why property values are plummeting  Massive economic headwinds syndicators face in 2023 and why many won’t survive  The danger of “floating rates” and why many syndicators could be forced to sell  Accredited vs. non-accredited investors and who should consider syndication investing  The most critical question you should ask ANY syndicator    And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Scott's Instagram  Mindy on BiggerPockets  Grab Scott’s Book, “Set for Life”  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Money Moment  Grab the Best-Selling Real Estate Books by J Scott  Syndications: Everything You Need to Know BEFORE You Invest  The Biggest Crash Imaginable is Coming For Commercial Assets  REITs: How to Make Real Estate Money WITHOUT Owning Rentals w/Jussi Askola     Click here to check the full show notes: https://www.biggerpockets.com/blog/money-456     Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email us: moneymoment@biggerpockets.com]]></description>
	<itunes:subtitle><![CDATA[Many real estate syndications are facing absolute failure in 2023. But, even if you aren’t investing in any, this could be a learning experience like no other to help you build your wealth in the future. If you’ve never heard of a real estate syndication]]></itunes:subtitle>
	<content:encoded><![CDATA[Many real estate syndications are facing absolute failure in 2023. But, even if you aren’t investing in any, this could be a learning experience like no other to help you build your wealth in the future. If you’ve never heard of a real estate syndication before, here’s a quick summary: a real estate syndication is where an “operator” raises money from a group of investors to buy a large commercial property, often an apartment complex, self-storage facility, or housing community. Over the past ten years, these investments have boasted massive profits, but everything is about to change.  Real estate syndications face obstacles like they never have before. Rising interest rates and vacancies, a backlog of evictions, plummeting prices, and inexperienced operators who have NEVER been in a down market. These failed deals could lead to opportunities for you to invest at a massive margin, but how do you know which deal is worth putting money into?  J Scott, world-famous investor, flipper, syndicator, and author, is on the show to explain exactly what to look for in a syndication, whether investing now is the right move to make, and what to know before investing in a syndication. The right syndication can make you hundreds of thousands in a completely hands-off, passive investment. The wrong syndication can tank your entire net worth. How do you know which is which? Tune in!       In This Episode We Cover  Syndication investing explained and whether putting money into this “passive” investment is worth it  The commercial real estate crash and why property values are plummeting  Massive economic headwinds syndicators face in 2023 and why many won’t survive  The danger of “floating rates” and why many syndicators could be forced to sell  Accredited vs. non-accredited investors and who should consider syndication investing  The most critical question you should ask ANY syndicator    And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Scott's Instagram  Mindy on BiggerPockets  Grab Scott’s Book, “Set for Life”  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Money Moment  Grab the Best-Selling Real Estate Books by J Scott  Syndications: Everything You Need to Know BEFORE You Invest  The Biggest Crash Imaginable is Coming For Commercial Assets  REITs: How to Make Real Estate Money WITHOUT Owning Rentals w/Jussi Askola     Click here to check the full show notes: https://www.biggerpockets.com/blog/money-456     Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email us: moneymoment@biggerpockets.com]]></content:encoded>
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	<itunes:summary><![CDATA[Many real estate syndications are facing absolute failure in 2023. But, even if you aren’t investing in any, this could be a learning experience like no other to help you build your wealth in the future. If you’ve never heard of a real estate syndication before, here’s a quick summary: a real estate syndication is where an “operator” raises money from a group of investors to buy a large commercial property, often an apartment complex, self-storage facility, or housing community. Over the past ten years, these investments have boasted massive profits, but everything is about to change.  Real estate syndications face obstacles like they never have before. Rising interest rates and vacancies, a backlog of evictions, plummeting prices, and inexperienced operators who have NEVER been in a down market. These failed deals could lead to opportunities for you to invest at a massive margin, but how do you know which deal is worth putting money into?  J Scott, world-famous investor, flipper, syndicator, and author, is on the show to explain exactly what to look for in a syndication, whether investing now is the right move to make, and what to know before investing in a syndication. The right syndication can make you hundreds of thousands in a completely hands-off, passive investment. The wrong syndication can tank your entire net worth. How do you know which is which? Tune in!       In This Episode We Cover  Syndication investing explained and whether putting money into this “passive” investment is worth it  The commercial real estate crash and why property values are plummeting  Massive economic headwinds syndicators face in 2023 and why many won’t survive  The danger of “floating rates” and why many syndicators could be forced to sell  Accredited vs. non-accredited investors and who should consider syndication investing  The most critical question you should ask ANY syndicator    And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Scott's Instagram  Mindy on BiggerPockets  Grab Scott’s Book, “Set for Life”  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Money Moment  Grab the Best-Selling Real Estate Books by J Scott  Syndications: Everything You Need to Know BEFORE You Invest  The Biggest Crash Imaginable is Coming For Commercial Assets  REITs: How to Make Real Estate Money WITHOUT Owning Rentals w/Jussi Askola     Click here to check the full show notes: https://www.biggerpockets.com/blog/money-456     Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email us: moneymoment@biggerpockets.com]]></itunes:summary>
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	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[Many real estate syndications are facing absolute failure in 2023. But, even if you aren’t investing in any, this could be a learning experience like no other to help you build your wealth in the future. If you’ve never heard of a real estate syndication before, here’s a quick summary: a real estate syndication is where an “operator” raises money from a group of investors to buy a large commercial property, often an apartment complex, self-storage facility, or housing community. Over the past ten years, these investments have boasted massive profits, but everything is about to change.  Real estate syndications face obstacles like they never have before. Rising interest rates and vacancies, a backlog of evictions, plummeting prices, and inexperienced operators who have NEVER been in a down market. These failed deals could lead to opportunities for you to invest at a massive margin, but how do you know which deal is worth putting money into?  J Scott, world-famous investor, flipper, syn]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
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<item>
	<title>455: REITs: How to Make Real Estate Money WITHOUT Owning Rentals</title>
	<link>https://biggerpocketsmoney.com/podcast/455-reits-how-to-make-real-estate-money-without-owning-rentals/</link>
	<pubDate>Mon, 02 Oct 2023 06:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
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	<description><![CDATA[Want passive income? Well, DON’T invest in rental properties. Buy REITs (real estate investment trusts) instead. Yes, you read that right. Although rental properties are a phenomenal way to build wealth and cash flow and pay fewer taxes on your income, they aren’t the most “passive” type of investment around. Between the 2 AM tenant phone calls, leaky toilets, evictions, and common headaches of owning a house, rental properties might not be worth the extra incomefor most Americans. But REITs probably are.  REITs are traded on the stock market just like your favorite index fund. The difference between REITs and traditional stocks? REITs let you buy a share in a large landlord company, which passes their income down to you via dividends and often an appreciating share price. And now, as many commercial real estate values are dumping, top REITs could be selling at a HUGE discount. So, how do you start investing in them? We brought Jussi Askola on to help.  Jussi runs Leonberg Capital, where he consults with some of the largest REITs in the world. He also writes the “High Yield Landlord” newsletter for Seeking Alpha and is arguably the world’s most up-to-date REIT expert. In today’s episode, Jussi gives you a top-to-bottom breakdown of REIT investing, who should (and shouldn’t) invest in them, how to know whether one is worth buying, and why rentals PALE in comparison to the passive income REITs provide.    In This Episode We Cover  REITs vs. rental properties and why one beats the other on profit and passive income potential  How to make TRULY passive income by investing in REITs today  Private vs. public REITs and which are safer, easier to exit, and provide better returns   The MASSIVE REIT discount in today’s stock market and which companies are worth investing in  REIT industries to avoid in 2023 that may continue to see their prices drop  And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Connect with Scott on BiggerPockets  Grab Scott’s Book, “Set for Life”  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Money Moment  Passive Income (Without the Properties!) by Investing in REITs w/Matt Argersinger  What Are REITs And How Can You Invest In Them?    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-455     Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email us: moneymoment@biggerpockets.com]]></description>
	<itunes:subtitle><![CDATA[Want passive income? Well, DON’T invest in rental properties. Buy REITs (real estate investment trusts) instead. Yes, you read that right. Although rental properties are a phenomenal way to build wealth and cash flow and pay fewer taxes on your income, t]]></itunes:subtitle>
	<content:encoded><![CDATA[Want passive income? Well, DON’T invest in rental properties. Buy REITs (real estate investment trusts) instead. Yes, you read that right. Although rental properties are a phenomenal way to build wealth and cash flow and pay fewer taxes on your income, they aren’t the most “passive” type of investment around. Between the 2 AM tenant phone calls, leaky toilets, evictions, and common headaches of owning a house, rental properties might not be worth the extra incomefor most Americans. But REITs probably are.  REITs are traded on the stock market just like your favorite index fund. The difference between REITs and traditional stocks? REITs let you buy a share in a large landlord company, which passes their income down to you via dividends and often an appreciating share price. And now, as many commercial real estate values are dumping, top REITs could be selling at a HUGE discount. So, how do you start investing in them? We brought Jussi Askola on to help.  Jussi runs Leonberg Capital, where he consults with some of the largest REITs in the world. He also writes the “High Yield Landlord” newsletter for Seeking Alpha and is arguably the world’s most up-to-date REIT expert. In today’s episode, Jussi gives you a top-to-bottom breakdown of REIT investing, who should (and shouldn’t) invest in them, how to know whether one is worth buying, and why rentals PALE in comparison to the passive income REITs provide.    In This Episode We Cover  REITs vs. rental properties and why one beats the other on profit and passive income potential  How to make TRULY passive income by investing in REITs today  Private vs. public REITs and which are safer, easier to exit, and provide better returns   The MASSIVE REIT discount in today’s stock market and which companies are worth investing in  REIT industries to avoid in 2023 that may continue to see their prices drop  And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Connect with Scott on BiggerPockets  Grab Scott’s Book, “Set for Life”  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Money Moment  Passive Income (Without the Properties!) by Investing in REITs w/Matt Argersinger  What Are REITs And How Can You Invest In Them?    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-455     Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email us: moneymoment@biggerpockets.com]]></content:encoded>
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	<itunes:summary><![CDATA[Want passive income? Well, DON’T invest in rental properties. Buy REITs (real estate investment trusts) instead. Yes, you read that right. Although rental properties are a phenomenal way to build wealth and cash flow and pay fewer taxes on your income, they aren’t the most “passive” type of investment around. Between the 2 AM tenant phone calls, leaky toilets, evictions, and common headaches of owning a house, rental properties might not be worth the extra incomefor most Americans. But REITs probably are.  REITs are traded on the stock market just like your favorite index fund. The difference between REITs and traditional stocks? REITs let you buy a share in a large landlord company, which passes their income down to you via dividends and often an appreciating share price. And now, as many commercial real estate values are dumping, top REITs could be selling at a HUGE discount. So, how do you start investing in them? We brought Jussi Askola on to help.  Jussi runs Leonberg Capital, where he consults with some of the largest REITs in the world. He also writes the “High Yield Landlord” newsletter for Seeking Alpha and is arguably the world’s most up-to-date REIT expert. In today’s episode, Jussi gives you a top-to-bottom breakdown of REIT investing, who should (and shouldn’t) invest in them, how to know whether one is worth buying, and why rentals PALE in comparison to the passive income REITs provide.    In This Episode We Cover  REITs vs. rental properties and why one beats the other on profit and passive income potential  How to make TRULY passive income by investing in REITs today  Private vs. public REITs and which are safer, easier to exit, and provide better returns   The MASSIVE REIT discount in today’s stock market and which companies are worth investing in  REIT industries to avoid in 2023 that may continue to see their prices drop  And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Connect with Scott on BiggerPockets  Grab Scott’s Book, “Set for Life”  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Money Moment  Passive Income (Without the Properties!) by Investing in REITs w/Matt Argersinger  What Are REITs And How Can You Invest In Them?    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-455     Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email us: moneymoment@biggerpockets.com]]></itunes:summary>
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	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[Want passive income? Well, DON’T invest in rental properties. Buy REITs (real estate investment trusts) instead. Yes, you read that right. Although rental properties are a phenomenal way to build wealth and cash flow and pay fewer taxes on your income, they aren’t the most “passive” type of investment around. Between the 2 AM tenant phone calls, leaky toilets, evictions, and common headaches of owning a house, rental properties might not be worth the extra incomefor most Americans. But REITs probably are.  REITs are traded on the stock market just like your favorite index fund. The difference between REITs and traditional stocks? REITs let you buy a share in a large landlord company, which passes their income down to you via dividends and often an appreciating share price. And now, as many commercial real estate values are dumping, top REITs could be selling at a HUGE discount. So, how do you start investing in them? We brought Jussi Askola on to help.  Jussi runs Leonberg Capital, wh]]></googleplay:description>
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<item>
	<title>454: Finance Friday: We Spend $12K a Month&#8230;Can We Still Retire in 10 Years?</title>
	<link>https://biggerpocketsmoney.com/podcast/454-finance-friday-we-spend-12k-a-month-can-we-still-retire-in-10-years/</link>
	<pubDate>Fri, 29 Sep 2023 06:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
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	<description><![CDATA[Tyler and Jenna need to know how to retire in ten years or less so they can spend less time working and more time with their family. The problem? They’re spending more than $10,000 monthly in expenses, and even with a high salary, that hurts their bottom line. But, a bigger problem to take care of is the six-figure savings sitting in their bank account, not bringing them any closer to becoming financially free. So, what should they do next?  Today, Mindy is joined by her husband, Carl, as these lucrative lovebirds advise a young couple who just had their first child and are looking to speed up their early retirement timeline. Tyler works in finance, taking home a stable income, and Jenna runs her own business that’s still expanding. They want to increase their incomes, invest more, and move closer to early retirement, so where do they start?  With three FI-friendly investment options—index funds, short-term rentals, and syndications—Tyler and Jenna can use any (or all) of these to multiply their wealth. But, one of these options poses a substantially bigger risk than they may think, and Mindy and Carl feel that they MUST warn this couple about it before they pull the trigger. If you dream of hitting FI in a decade or less, this episode can help you get there!    In This Episode We Cover  How to hit financial independence in ten years or less (and what to invest in)  Tracking your expenses and categories you may want to cut out of your budget  Syndication investing 101 and why now may NOT be the time to invest in passive deals  Private money lending and becoming the bank for active real estate investors  Buying a short-term rental and how to ensure it’ll actually turn a profit  Index funds for early retirees and the easiest way to make your money grow   And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Mindy on BiggerPockets  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Money Moment  The Best Alternative Investment No One Knows About  Syndications: Everything You Need to Know BEFORE You Invest  Making $2,000/Month with Etsy Printables    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-454     Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email us: moneymoment@biggerpockets.com]]></description>
	<itunes:subtitle><![CDATA[Tyler and Jenna need to know how to retire in ten years or less so they can spend less time working and more time with their family. The problem? They’re spending more than $10,000 monthly in expenses, and even with a high salary, that hurts their bottom]]></itunes:subtitle>
	<content:encoded><![CDATA[Tyler and Jenna need to know how to retire in ten years or less so they can spend less time working and more time with their family. The problem? They’re spending more than $10,000 monthly in expenses, and even with a high salary, that hurts their bottom line. But, a bigger problem to take care of is the six-figure savings sitting in their bank account, not bringing them any closer to becoming financially free. So, what should they do next?  Today, Mindy is joined by her husband, Carl, as these lucrative lovebirds advise a young couple who just had their first child and are looking to speed up their early retirement timeline. Tyler works in finance, taking home a stable income, and Jenna runs her own business that’s still expanding. They want to increase their incomes, invest more, and move closer to early retirement, so where do they start?  With three FI-friendly investment options—index funds, short-term rentals, and syndications—Tyler and Jenna can use any (or all) of these to multiply their wealth. But, one of these options poses a substantially bigger risk than they may think, and Mindy and Carl feel that they MUST warn this couple about it before they pull the trigger. If you dream of hitting FI in a decade or less, this episode can help you get there!    In This Episode We Cover  How to hit financial independence in ten years or less (and what to invest in)  Tracking your expenses and categories you may want to cut out of your budget  Syndication investing 101 and why now may NOT be the time to invest in passive deals  Private money lending and becoming the bank for active real estate investors  Buying a short-term rental and how to ensure it’ll actually turn a profit  Index funds for early retirees and the easiest way to make your money grow   And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Mindy on BiggerPockets  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Money Moment  The Best Alternative Investment No One Knows About  Syndications: Everything You Need to Know BEFORE You Invest  Making $2,000/Month with Etsy Printables    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-454     Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email us: moneymoment@biggerpockets.com]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC3253698470.mp3" length="45317575" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[Tyler and Jenna need to know how to retire in ten years or less so they can spend less time working and more time with their family. The problem? They’re spending more than $10,000 monthly in expenses, and even with a high salary, that hurts their bottom line. But, a bigger problem to take care of is the six-figure savings sitting in their bank account, not bringing them any closer to becoming financially free. So, what should they do next?  Today, Mindy is joined by her husband, Carl, as these lucrative lovebirds advise a young couple who just had their first child and are looking to speed up their early retirement timeline. Tyler works in finance, taking home a stable income, and Jenna runs her own business that’s still expanding. They want to increase their incomes, invest more, and move closer to early retirement, so where do they start?  With three FI-friendly investment options—index funds, short-term rentals, and syndications—Tyler and Jenna can use any (or all) of these to multiply their wealth. But, one of these options poses a substantially bigger risk than they may think, and Mindy and Carl feel that they MUST warn this couple about it before they pull the trigger. If you dream of hitting FI in a decade or less, this episode can help you get there!    In This Episode We Cover  How to hit financial independence in ten years or less (and what to invest in)  Tracking your expenses and categories you may want to cut out of your budget  Syndication investing 101 and why now may NOT be the time to invest in passive deals  Private money lending and becoming the bank for active real estate investors  Buying a short-term rental and how to ensure it’ll actually turn a profit  Index funds for early retirees and the easiest way to make your money grow   And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Mindy on BiggerPockets  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Money Moment  The Best Alternative Investment No One Knows About  Syndications: Everything You Need to Know BEFORE You Invest  Making $2,000/Month with Etsy Printables    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-454     Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email us: moneymoment@biggerpockets.com]]></itunes:summary>
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	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[Tyler and Jenna need to know how to retire in ten years or less so they can spend less time working and more time with their family. The problem? They’re spending more than $10,000 monthly in expenses, and even with a high salary, that hurts their bottom line. But, a bigger problem to take care of is the six-figure savings sitting in their bank account, not bringing them any closer to becoming financially free. So, what should they do next?  Today, Mindy is joined by her husband, Carl, as these lucrative lovebirds advise a young couple who just had their first child and are looking to speed up their early retirement timeline. Tyler works in finance, taking home a stable income, and Jenna runs her own business that’s still expanding. They want to increase their incomes, invest more, and move closer to early retirement, so where do they start?  With three FI-friendly investment options—index funds, short-term rentals, and syndications—Tyler and Jenna can use any (or all) of these to mul]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
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<item>
	<title>453: How to Conquer Financial Trauma &#038; Develop a HEALTHY Relationship with Money</title>
	<link>https://biggerpocketsmoney.com/podcast/453-how-to-conquer-financial-trauma-develop-a-healthy-relationship-with-money/</link>
	<pubDate>Mon, 25 Sep 2023 06:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
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	<description><![CDATA[Financial trauma is an extremely common roadblock on the journey to financial freedom. In fact, most people deal with this issue on some level, even if they aren’t aware of it. Whether your trauma patterns stem from your parents’relationship with money or an instance of financial abuse, know that there’s light at the end of the tunnel!  Welcome back to the BiggerPockets Money podcast! Today’s guest is Shannah Game—author, entrepreneur, certified financial planner (CFP), and host of the Everyone’s Talkin’ Money show. Shannah would be the first to tell you that her relationship with money has been far from perfect. Having grown up in a family where money decisions were always heavily scrutinized, Shannah has worked hard to not only address her own deep-rooted money trauma but also help others overcome similar traumatic patterns in their lives.  If your negative experiences with money are preventing you from achieving your financial goals, tune in as Shannah shares her expertise on an issue that is sorely overlooked today. In this episode, you’ll learn how to name and work through your unique money trauma, avoid your biggest money triggers, and get back on the straight and narrow toward financial freedom. You’ll also learn the most common signs of trauma to look for, as well as practical exercises you can use to get your financial fear under control!    In This Episode We Cover  The most common signs of money trauma to look for in your own life  How financial trauma is passed down through multiple generations  Two questions you MUST ask to uncover the root cause of money trauma  Working through money trauma patterns to reach your financial goals  Exercises to practice when experiencing a traumatic money-related event  Why you NEED to talk about finances with close friends and family members  And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Scott's Instagram  Mindy on BiggerPockets  Grab Scott’s Book, “Set for Life”  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Money Moment  How to Use Your Financial Fear to Build Wealth Better w/Farnoosh Torabi  Breaking the Taboo of Talking About Money with Friends, Family, and Bosses w/Erin Lowry  Download Shannah’s FREE Guide, “10 Money Questions to Ask Yourself Right Now”  Tune in to the “Everyone’s Talkin’ Money” podcast    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-453     Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email us: moneymoment@biggerpockets.com]]></description>
	<itunes:subtitle><![CDATA[Financial trauma is an extremely common roadblock on the journey to financial freedom. In fact, most people deal with this issue on some level, even if they aren’t aware of it. Whether your trauma patterns stem from your parents’relationship with money o]]></itunes:subtitle>
	<content:encoded><![CDATA[Financial trauma is an extremely common roadblock on the journey to financial freedom. In fact, most people deal with this issue on some level, even if they aren’t aware of it. Whether your trauma patterns stem from your parents’relationship with money or an instance of financial abuse, know that there’s light at the end of the tunnel!  Welcome back to the BiggerPockets Money podcast! Today’s guest is Shannah Game—author, entrepreneur, certified financial planner (CFP), and host of the Everyone’s Talkin’ Money show. Shannah would be the first to tell you that her relationship with money has been far from perfect. Having grown up in a family where money decisions were always heavily scrutinized, Shannah has worked hard to not only address her own deep-rooted money trauma but also help others overcome similar traumatic patterns in their lives.  If your negative experiences with money are preventing you from achieving your financial goals, tune in as Shannah shares her expertise on an issue that is sorely overlooked today. In this episode, you’ll learn how to name and work through your unique money trauma, avoid your biggest money triggers, and get back on the straight and narrow toward financial freedom. You’ll also learn the most common signs of trauma to look for, as well as practical exercises you can use to get your financial fear under control!    In This Episode We Cover  The most common signs of money trauma to look for in your own life  How financial trauma is passed down through multiple generations  Two questions you MUST ask to uncover the root cause of money trauma  Working through money trauma patterns to reach your financial goals  Exercises to practice when experiencing a traumatic money-related event  Why you NEED to talk about finances with close friends and family members  And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Scott's Instagram  Mindy on BiggerPockets  Grab Scott’s Book, “Set for Life”  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Money Moment  How to Use Your Financial Fear to Build Wealth Better w/Farnoosh Torabi  Breaking the Taboo of Talking About Money with Friends, Family, and Bosses w/Erin Lowry  Download Shannah’s FREE Guide, “10 Money Questions to Ask Yourself Right Now”  Tune in to the “Everyone’s Talkin’ Money” podcast    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-453     Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email us: moneymoment@biggerpockets.com]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC8325656939.mp3" length="49532869" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[Financial trauma is an extremely common roadblock on the journey to financial freedom. In fact, most people deal with this issue on some level, even if they aren’t aware of it. Whether your trauma patterns stem from your parents’relationship with money or an instance of financial abuse, know that there’s light at the end of the tunnel!  Welcome back to the BiggerPockets Money podcast! Today’s guest is Shannah Game—author, entrepreneur, certified financial planner (CFP), and host of the Everyone’s Talkin’ Money show. Shannah would be the first to tell you that her relationship with money has been far from perfect. Having grown up in a family where money decisions were always heavily scrutinized, Shannah has worked hard to not only address her own deep-rooted money trauma but also help others overcome similar traumatic patterns in their lives.  If your negative experiences with money are preventing you from achieving your financial goals, tune in as Shannah shares her expertise on an issue that is sorely overlooked today. In this episode, you’ll learn how to name and work through your unique money trauma, avoid your biggest money triggers, and get back on the straight and narrow toward financial freedom. You’ll also learn the most common signs of trauma to look for, as well as practical exercises you can use to get your financial fear under control!    In This Episode We Cover  The most common signs of money trauma to look for in your own life  How financial trauma is passed down through multiple generations  Two questions you MUST ask to uncover the root cause of money trauma  Working through money trauma patterns to reach your financial goals  Exercises to practice when experiencing a traumatic money-related event  Why you NEED to talk about finances with close friends and family members  And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Scott's Instagram  Mindy on BiggerPockets  Grab Scott’s Book, “Set for Life”  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Money Moment  How to Use Your Financial Fear to Build Wealth Better w/Farnoosh Torabi  Breaking the Taboo of Talking About Money with Friends, Family, and Bosses w/Erin Lowry  Download Shannah’s FREE Guide, “10 Money Questions to Ask Yourself Right Now”  Tune in to the “Everyone’s Talkin’ Money” podcast    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-453     Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email us: moneymoment@biggerpockets.com]]></itunes:summary>
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	<itunes:block>no</itunes:block>
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	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[Financial trauma is an extremely common roadblock on the journey to financial freedom. In fact, most people deal with this issue on some level, even if they aren’t aware of it. Whether your trauma patterns stem from your parents’relationship with money or an instance of financial abuse, know that there’s light at the end of the tunnel!  Welcome back to the BiggerPockets Money podcast! Today’s guest is Shannah Game—author, entrepreneur, certified financial planner (CFP), and host of the Everyone’s Talkin’ Money show. Shannah would be the first to tell you that her relationship with money has been far from perfect. Having grown up in a family where money decisions were always heavily scrutinized, Shannah has worked hard to not only address her own deep-rooted money trauma but also help others overcome similar traumatic patterns in their lives.  If your negative experiences with money are preventing you from achieving your financial goals, tune in as Shannah shares her expertise on an is]]></googleplay:description>
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<item>
	<title>452: The 6 Investment Accounts You NEED for Financial Freedom</title>
	<link>https://biggerpocketsmoney.com/podcast/452-the-6-investment-accounts-you-need-for-financial-freedom/</link>
	<pubDate>Fri, 22 Sep 2023 06:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
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	<description><![CDATA[If you’re new to personal finance, investment accounts can seem complicated. The terms, the lingo—HSA, Roth, IRA, 401(k)—these may seem like letters in an arbitrary order, but using these retirement and investment accounts can help you reach financial freedom faster, pay WAY less in taxes, and maximize your money even while you’re asleep. So, how do you get started? Tune in; we’ll show you how!  Joining us is early-retired CFP (Certified Financial Planner) Kyle Mast to walk through each retirement, investment, and savings account you MUST have on your road to FIRE. In today’s episode, we’ll touch on the common accounts you’ve heard of, like the 401(k) and IRA, as well as some lesser-known investing and savings accounts that can help your money grow faster than you thought possible.  And whether you’re just starting your retirement journey in your 40s, 50s, or 60s, or you’re a twinkly-eyed twenty-something-year-old ready for compound interest to run its course, you’ll get EVERYTHING you need to know about investing and retirement accounts from this episode.    In This Episode We Cover  Retirement accounts explained and how to lower your taxes with 401(k)s and Traditional IRAs  The “triple-tax benefit” account that most Americans don’t even know exists  How to turn taxable income into tax-free charitable contributions in retirement  The savings account that will pay you solid interest JUST to park your money   What to do if you’re a high-income earner and don’t qualify for tax-advantaged accounts  Highly-advantaged niche retirement accounts like the 401a and 457(b) that you might have access to  And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Mindy on BiggerPockets  Grab Scott’s Book, “Set for Life”  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Money Moment  From “Bad with Money” to Intentional Saving and Spending with Jamila Souffrant  Starting From $0 at Age 35 as a Teacher and Becoming ‘The Millionaire Educator’    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-452     Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email us: moneymoment@biggerpockets.com]]></description>
	<itunes:subtitle><![CDATA[If you’re new to personal finance, investment accounts can seem complicated. The terms, the lingo—HSA, Roth, IRA, 401(k)—these may seem like letters in an arbitrary order, but using these retirement and investment accounts can help you reach financial fr]]></itunes:subtitle>
	<content:encoded><![CDATA[If you’re new to personal finance, investment accounts can seem complicated. The terms, the lingo—HSA, Roth, IRA, 401(k)—these may seem like letters in an arbitrary order, but using these retirement and investment accounts can help you reach financial freedom faster, pay WAY less in taxes, and maximize your money even while you’re asleep. So, how do you get started? Tune in; we’ll show you how!  Joining us is early-retired CFP (Certified Financial Planner) Kyle Mast to walk through each retirement, investment, and savings account you MUST have on your road to FIRE. In today’s episode, we’ll touch on the common accounts you’ve heard of, like the 401(k) and IRA, as well as some lesser-known investing and savings accounts that can help your money grow faster than you thought possible.  And whether you’re just starting your retirement journey in your 40s, 50s, or 60s, or you’re a twinkly-eyed twenty-something-year-old ready for compound interest to run its course, you’ll get EVERYTHING you need to know about investing and retirement accounts from this episode.    In This Episode We Cover  Retirement accounts explained and how to lower your taxes with 401(k)s and Traditional IRAs  The “triple-tax benefit” account that most Americans don’t even know exists  How to turn taxable income into tax-free charitable contributions in retirement  The savings account that will pay you solid interest JUST to park your money   What to do if you’re a high-income earner and don’t qualify for tax-advantaged accounts  Highly-advantaged niche retirement accounts like the 401a and 457(b) that you might have access to  And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Mindy on BiggerPockets  Grab Scott’s Book, “Set for Life”  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Money Moment  From “Bad with Money” to Intentional Saving and Spending with Jamila Souffrant  Starting From $0 at Age 35 as a Teacher and Becoming ‘The Millionaire Educator’    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-452     Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email us: moneymoment@biggerpockets.com]]></content:encoded>
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	<itunes:summary><![CDATA[If you’re new to personal finance, investment accounts can seem complicated. The terms, the lingo—HSA, Roth, IRA, 401(k)—these may seem like letters in an arbitrary order, but using these retirement and investment accounts can help you reach financial freedom faster, pay WAY less in taxes, and maximize your money even while you’re asleep. So, how do you get started? Tune in; we’ll show you how!  Joining us is early-retired CFP (Certified Financial Planner) Kyle Mast to walk through each retirement, investment, and savings account you MUST have on your road to FIRE. In today’s episode, we’ll touch on the common accounts you’ve heard of, like the 401(k) and IRA, as well as some lesser-known investing and savings accounts that can help your money grow faster than you thought possible.  And whether you’re just starting your retirement journey in your 40s, 50s, or 60s, or you’re a twinkly-eyed twenty-something-year-old ready for compound interest to run its course, you’ll get EVERYTHING you need to know about investing and retirement accounts from this episode.    In This Episode We Cover  Retirement accounts explained and how to lower your taxes with 401(k)s and Traditional IRAs  The “triple-tax benefit” account that most Americans don’t even know exists  How to turn taxable income into tax-free charitable contributions in retirement  The savings account that will pay you solid interest JUST to park your money   What to do if you’re a high-income earner and don’t qualify for tax-advantaged accounts  Highly-advantaged niche retirement accounts like the 401a and 457(b) that you might have access to  And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Mindy on BiggerPockets  Grab Scott’s Book, “Set for Life”  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Money Moment  From “Bad with Money” to Intentional Saving and Spending with Jamila Souffrant  Starting From $0 at Age 35 as a Teacher and Becoming ‘The Millionaire Educator’    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-452     Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email us: moneymoment@biggerpockets.com]]></itunes:summary>
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	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[If you’re new to personal finance, investment accounts can seem complicated. The terms, the lingo—HSA, Roth, IRA, 401(k)—these may seem like letters in an arbitrary order, but using these retirement and investment accounts can help you reach financial freedom faster, pay WAY less in taxes, and maximize your money even while you’re asleep. So, how do you get started? Tune in; we’ll show you how!  Joining us is early-retired CFP (Certified Financial Planner) Kyle Mast to walk through each retirement, investment, and savings account you MUST have on your road to FIRE. In today’s episode, we’ll touch on the common accounts you’ve heard of, like the 401(k) and IRA, as well as some lesser-known investing and savings accounts that can help your money grow faster than you thought possible.  And whether you’re just starting your retirement journey in your 40s, 50s, or 60s, or you’re a twinkly-eyed twenty-something-year-old ready for compound interest to run its course, you’ll get EVERYTHING yo]]></googleplay:description>
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<item>
	<title>451: The 9-Step “Stairway to Wealth” That ANYONE Can Use to Become Rich</title>
	<link>https://biggerpocketsmoney.com/podcast/451-the-9-step-stairway-to-wealth-that-anyone-can-use-to-become-rich/</link>
	<pubDate>Mon, 18 Sep 2023 06:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
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	<description><![CDATA[This “financial order of operations” could be your ticket to financial freedom. If most Americans followed these steps, they would find themselves debt-free, with full retirement accounts, passive income, and “wealth-accelerating” investments that only top-income earners can access. But you don’t need to make hundreds of thousands of dollars a year to follow this “Stairway to Wealth”; you just need to follow these steps!  Andrew Giancola from The Personal Finance Podcast built the “Stairway to Wealth” after realizing that the common wealth-building plans, like Dave Ramsey’s “Baby Steps,” wouldn’t fit most people’s lifestyles. Instead, Andrew worked to develop a system that almost anyone could use, one that was tailored to TODAY’s financial environment and gave people more of a choice when it came to their investments.  Following this nine-step plan, you can go from low cash and high debt to debt-free, financially safe and secure, and invested for your future. Whether you’re starting on step one or step nine, this type of financial framework can make financial independence and early retirement MUCH easier.    In This Episode We Cover  The “Stairway to Wealth” financial order of operations ANYONE can use to build wealth   Emergency reserves and why the “$1,000 standard" amount ISN’T enough  Roth IRAs, 401(k)s, and which retirement accounts to invest in  Paying off debt and which interest rate is worth tackling first  The “wealth accelerators” that boast massive returns but with higher risk  The “super retirement account” that most Americans don’t know about  And So Much More!  Links from the Show  BiggerPockets Money Facebook Group  BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Scott's Instagram  Mindy on BiggerPockets  Grab Scott’s Book, “Set for Life”  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Money Moment  Learn from Other Real Estate Investors on the BiggerPockets Forums  Start Your Real Estate Investing Journey with the “BiggerPockets Real Estate” Podcast  Are Dave Ramsey’s 7 Baby Steps Overrated  Master Money  The Personal Finance Podcast  The “Stairway to Wealth”  Andrew on BiggerPockets]]></description>
	<itunes:subtitle><![CDATA[This “financial order of operations” could be your ticket to financial freedom. If most Americans followed these steps, they would find themselves debt-free, with full retirement accounts, passive income, and “wealth-accelerating” investments that only t]]></itunes:subtitle>
	<content:encoded><![CDATA[This “financial order of operations” could be your ticket to financial freedom. If most Americans followed these steps, they would find themselves debt-free, with full retirement accounts, passive income, and “wealth-accelerating” investments that only top-income earners can access. But you don’t need to make hundreds of thousands of dollars a year to follow this “Stairway to Wealth”; you just need to follow these steps!  Andrew Giancola from The Personal Finance Podcast built the “Stairway to Wealth” after realizing that the common wealth-building plans, like Dave Ramsey’s “Baby Steps,” wouldn’t fit most people’s lifestyles. Instead, Andrew worked to develop a system that almost anyone could use, one that was tailored to TODAY’s financial environment and gave people more of a choice when it came to their investments.  Following this nine-step plan, you can go from low cash and high debt to debt-free, financially safe and secure, and invested for your future. Whether you’re starting on step one or step nine, this type of financial framework can make financial independence and early retirement MUCH easier.    In This Episode We Cover  The “Stairway to Wealth” financial order of operations ANYONE can use to build wealth   Emergency reserves and why the “$1,000 standard" amount ISN’T enough  Roth IRAs, 401(k)s, and which retirement accounts to invest in  Paying off debt and which interest rate is worth tackling first  The “wealth accelerators” that boast massive returns but with higher risk  The “super retirement account” that most Americans don’t know about  And So Much More!  Links from the Show  BiggerPockets Money Facebook Group  BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Scott's Instagram  Mindy on BiggerPockets  Grab Scott’s Book, “Set for Life”  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Money Moment  Learn from Other Real Estate Investors on the BiggerPockets Forums  Start Your Real Estate Investing Journey with the “BiggerPockets Real Estate” Podcast  Are Dave Ramsey’s 7 Baby Steps Overrated  Master Money  The Personal Finance Podcast  The “Stairway to Wealth”  Andrew on BiggerPockets]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC2122367515.mp3" length="47424805" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[This “financial order of operations” could be your ticket to financial freedom. If most Americans followed these steps, they would find themselves debt-free, with full retirement accounts, passive income, and “wealth-accelerating” investments that only top-income earners can access. But you don’t need to make hundreds of thousands of dollars a year to follow this “Stairway to Wealth”; you just need to follow these steps!  Andrew Giancola from The Personal Finance Podcast built the “Stairway to Wealth” after realizing that the common wealth-building plans, like Dave Ramsey’s “Baby Steps,” wouldn’t fit most people’s lifestyles. Instead, Andrew worked to develop a system that almost anyone could use, one that was tailored to TODAY’s financial environment and gave people more of a choice when it came to their investments.  Following this nine-step plan, you can go from low cash and high debt to debt-free, financially safe and secure, and invested for your future. Whether you’re starting on step one or step nine, this type of financial framework can make financial independence and early retirement MUCH easier.    In This Episode We Cover  The “Stairway to Wealth” financial order of operations ANYONE can use to build wealth   Emergency reserves and why the “$1,000 standard" amount ISN’T enough  Roth IRAs, 401(k)s, and which retirement accounts to invest in  Paying off debt and which interest rate is worth tackling first  The “wealth accelerators” that boast massive returns but with higher risk  The “super retirement account” that most Americans don’t know about  And So Much More!  Links from the Show  BiggerPockets Money Facebook Group  BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Scott's Instagram  Mindy on BiggerPockets  Grab Scott’s Book, “Set for Life”  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Money Moment  Learn from Other Real Estate Investors on the BiggerPockets Forums  Start Your Real Estate Investing Journey with the “BiggerPockets Real Estate” Podcast  Are Dave Ramsey’s 7 Baby Steps Overrated  Master Money  The Personal Finance Podcast  The “Stairway to Wealth”  Andrew on BiggerPockets]]></itunes:summary>
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	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[This “financial order of operations” could be your ticket to financial freedom. If most Americans followed these steps, they would find themselves debt-free, with full retirement accounts, passive income, and “wealth-accelerating” investments that only top-income earners can access. But you don’t need to make hundreds of thousands of dollars a year to follow this “Stairway to Wealth”; you just need to follow these steps!  Andrew Giancola from The Personal Finance Podcast built the “Stairway to Wealth” after realizing that the common wealth-building plans, like Dave Ramsey’s “Baby Steps,” wouldn’t fit most people’s lifestyles. Instead, Andrew worked to develop a system that almost anyone could use, one that was tailored to TODAY’s financial environment and gave people more of a choice when it came to their investments.  Following this nine-step plan, you can go from low cash and high debt to debt-free, financially safe and secure, and invested for your future. Whether you’re starting o]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
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<item>
	<title>450: The “Middle Class Trap” That’s Keeping You in Debt</title>
	<link>https://biggerpocketsmoney.com/podcast/450-the-middle-class-trap-thats-keeping-you-in-debt/</link>
	<pubDate>Fri, 15 Sep 2023 06:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
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	<description><![CDATA[The fear of Job loss has become real for most Americans. And if you’re falling into the “middle-class trap,” a sudden loss of income could be even more severe. After the recent tech layoffs of 2022 and 2023, businesses outside of the Silicon Valley bubble are starting to feel the effects of higher interest rates and lower consumer spending. But what happens if YOU’RE the one who’s getting laid off? Will you be able to pay the bills? How much of a severance package can you expect? And what moves should you make NOW to get ahead?  Mindy and Scott are taking questions directly from listeners to put YOU in the best financial position possible. On this show, you’ll learn what to do AS SOON as you hear about layoffs in your company, how much you could get paid for severance, and why you CAN NOT rely on unemployment for everything. Next, we hear from a high-income earner who can’t get out of debt and is stuck in the “middle-class trap.” For those with too much cash on their hands, Mindy and Scott get into investing in syndications, plus what to do if your house bills are slowly eating you alive.  Got a money question you want to ask Mindy and Scott? Head over to the BiggerPockets Money Facebook group, or click here to submit your question on our next Q&A episode!  In This Episode We Cover  What to do if you get laid off and how to start making income ASAP  Severance packages and questions you NEED to ask your employer if you lose your job  The “middle class trap” that high-income earners get stuck in  Syndication investing 101 and when to RUN away from a potential investment  What to do if you’ve "bought too much house” and payments are putting pressure on your finances  Unemployment income and why you CAN’T rely on it to pay for your life  Why EVERYONE needs a side hustle to survive (yes, even YOU!)  And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Scott's Instagram  Mindy on BiggerPockets  Grab Scott’s Book, “Set for Life”  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Money Moment  Syndications: Everything You Need to Know BEFORE You Invest  Want More Syndication Info? Email Scott  Check Out Mindy’s ENTIRE 2022 Budget  Surviving a Layoff: What HR Wants You to Know    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-450     Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email us: moneymoment@biggerpockets.com]]></description>
	<itunes:subtitle><![CDATA[The fear of Job loss has become real for most Americans. And if you’re falling into the “middle-class trap,” a sudden loss of income could be even more severe. After the recent tech layoffs of 2022 and 2023, businesses outside of the Silicon Valley bubbl]]></itunes:subtitle>
	<content:encoded><![CDATA[The fear of Job loss has become real for most Americans. And if you’re falling into the “middle-class trap,” a sudden loss of income could be even more severe. After the recent tech layoffs of 2022 and 2023, businesses outside of the Silicon Valley bubble are starting to feel the effects of higher interest rates and lower consumer spending. But what happens if YOU’RE the one who’s getting laid off? Will you be able to pay the bills? How much of a severance package can you expect? And what moves should you make NOW to get ahead?  Mindy and Scott are taking questions directly from listeners to put YOU in the best financial position possible. On this show, you’ll learn what to do AS SOON as you hear about layoffs in your company, how much you could get paid for severance, and why you CAN NOT rely on unemployment for everything. Next, we hear from a high-income earner who can’t get out of debt and is stuck in the “middle-class trap.” For those with too much cash on their hands, Mindy and Scott get into investing in syndications, plus what to do if your house bills are slowly eating you alive.  Got a money question you want to ask Mindy and Scott? Head over to the BiggerPockets Money Facebook group, or click here to submit your question on our next Q&A episode!  In This Episode We Cover  What to do if you get laid off and how to start making income ASAP  Severance packages and questions you NEED to ask your employer if you lose your job  The “middle class trap” that high-income earners get stuck in  Syndication investing 101 and when to RUN away from a potential investment  What to do if you’ve "bought too much house” and payments are putting pressure on your finances  Unemployment income and why you CAN’T rely on it to pay for your life  Why EVERYONE needs a side hustle to survive (yes, even YOU!)  And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Scott's Instagram  Mindy on BiggerPockets  Grab Scott’s Book, “Set for Life”  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Money Moment  Syndications: Everything You Need to Know BEFORE You Invest  Want More Syndication Info? Email Scott  Check Out Mindy’s ENTIRE 2022 Budget  Surviving a Layoff: What HR Wants You to Know    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-450     Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email us: moneymoment@biggerpockets.com]]></content:encoded>
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	<itunes:summary><![CDATA[The fear of Job loss has become real for most Americans. And if you’re falling into the “middle-class trap,” a sudden loss of income could be even more severe. After the recent tech layoffs of 2022 and 2023, businesses outside of the Silicon Valley bubble are starting to feel the effects of higher interest rates and lower consumer spending. But what happens if YOU’RE the one who’s getting laid off? Will you be able to pay the bills? How much of a severance package can you expect? And what moves should you make NOW to get ahead?  Mindy and Scott are taking questions directly from listeners to put YOU in the best financial position possible. On this show, you’ll learn what to do AS SOON as you hear about layoffs in your company, how much you could get paid for severance, and why you CAN NOT rely on unemployment for everything. Next, we hear from a high-income earner who can’t get out of debt and is stuck in the “middle-class trap.” For those with too much cash on their hands, Mindy and Scott get into investing in syndications, plus what to do if your house bills are slowly eating you alive.  Got a money question you want to ask Mindy and Scott? Head over to the BiggerPockets Money Facebook group, or click here to submit your question on our next Q&A episode!  In This Episode We Cover  What to do if you get laid off and how to start making income ASAP  Severance packages and questions you NEED to ask your employer if you lose your job  The “middle class trap” that high-income earners get stuck in  Syndication investing 101 and when to RUN away from a potential investment  What to do if you’ve "bought too much house” and payments are putting pressure on your finances  Unemployment income and why you CAN’T rely on it to pay for your life  Why EVERYONE needs a side hustle to survive (yes, even YOU!)  And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Scott's Instagram  Mindy on BiggerPockets  Grab Scott’s Book, “Set for Life”  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Money Moment  Syndications: Everything You Need to Know BEFORE You Invest  Want More Syndication Info? Email Scott  Check Out Mindy’s ENTIRE 2022 Budget  Surviving a Layoff: What HR Wants You to Know    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-450     Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email us: moneymoment@biggerpockets.com]]></itunes:summary>
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	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[The fear of Job loss has become real for most Americans. And if you’re falling into the “middle-class trap,” a sudden loss of income could be even more severe. After the recent tech layoffs of 2022 and 2023, businesses outside of the Silicon Valley bubble are starting to feel the effects of higher interest rates and lower consumer spending. But what happens if YOU’RE the one who’s getting laid off? Will you be able to pay the bills? How much of a severance package can you expect? And what moves should you make NOW to get ahead?  Mindy and Scott are taking questions directly from listeners to put YOU in the best financial position possible. On this show, you’ll learn what to do AS SOON as you hear about layoffs in your company, how much you could get paid for severance, and why you CAN NOT rely on unemployment for everything. Next, we hear from a high-income earner who can’t get out of debt and is stuck in the “middle-class trap.” For those with too much cash on their hands, Mindy and ]]></googleplay:description>
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<item>
	<title>449: Coast FI in 4 Years: Cutting Expenses, Doubling Your Income, &#038; HUGE Savings</title>
	<link>https://biggerpocketsmoney.com/podcast/449-coast-fi-in-4-years-cutting-expenses-doubling-your-income-huge-savings/</link>
	<pubDate>Mon, 11 Sep 2023 06:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">9b17bbcc-bed0-11ed-beb9-1b16fbcc85a0</guid>
	<description><![CDATA[People spend much of their lives grinding to Coast FI, but the truth is that you’re only ever one big financial swing from achieving your FI goals much faster. Despite starting out with very little, today’s guest was able to break the cycle and reach her Coast FI goal in just four years. In this episode, she shares the blueprint for her “overnight” success!  Welcome back to the BiggerPockets Money podcast! Today, we’re speaking with finance guru and real estate investorAmberly Grant. Amberly didn’t come from wealth. Growing up, her family never owned a home or had enough money to afford simple repairs. But, at fifteen, she discovered the book The Wealthy Barber, which ignited her love for finance. After several failed business ventures and a late start to college, Amberly discovered the power of real estate investingin 2019. House hacking covered her mortgage each month, and keeping her expenses down allowed her to save most of her income and buy more properties.  In this episode, Amberly demonstrates just how quickly things can swing in your favor with a little financial knowledgeand hard work. Comfortably Coast FI, Amberly now works from home, manages her real estate portfolio on the side, and spearheads FinTalks—a segment of the FIRE community that discusses important finance topics each week. Tune in to learn how she doubled her W2 income, saved eighty thousand dollars in one year, and made her husband wife-FI!    In This Episode We Cover  How to fast-track your journey to financial independence  Reaching Coast FI in as little as four years with real estate  Eliminating your mortgage payment through the power of house hacking  Increasing your income through W2 raises and HUGE property cash flow  Reducing your monthly expenses and supercharging your savings  And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Mindy on BiggerPockets  Scott on BiggerPockets  Grab Scott’s Book, “Set for Life”  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Money Moment  How This Teacher Squashed $20K in Credit Card Debt and Hit Coast FI by 32 w/Yanely Espinal  Join the FinTalks Community Today    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-449     Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email us: moneymoment@biggerpockets.com]]></description>
	<itunes:subtitle><![CDATA[People spend much of their lives grinding to Coast FI, but the truth is that you’re only ever one big financial swing from achieving your FI goals much faster. Despite starting out with very little, today’s guest was able to break the cycle and reach her]]></itunes:subtitle>
	<content:encoded><![CDATA[People spend much of their lives grinding to Coast FI, but the truth is that you’re only ever one big financial swing from achieving your FI goals much faster. Despite starting out with very little, today’s guest was able to break the cycle and reach her Coast FI goal in just four years. In this episode, she shares the blueprint for her “overnight” success!  Welcome back to the BiggerPockets Money podcast! Today, we’re speaking with finance guru and real estate investorAmberly Grant. Amberly didn’t come from wealth. Growing up, her family never owned a home or had enough money to afford simple repairs. But, at fifteen, she discovered the book The Wealthy Barber, which ignited her love for finance. After several failed business ventures and a late start to college, Amberly discovered the power of real estate investingin 2019. House hacking covered her mortgage each month, and keeping her expenses down allowed her to save most of her income and buy more properties.  In this episode, Amberly demonstrates just how quickly things can swing in your favor with a little financial knowledgeand hard work. Comfortably Coast FI, Amberly now works from home, manages her real estate portfolio on the side, and spearheads FinTalks—a segment of the FIRE community that discusses important finance topics each week. Tune in to learn how she doubled her W2 income, saved eighty thousand dollars in one year, and made her husband wife-FI!    In This Episode We Cover  How to fast-track your journey to financial independence  Reaching Coast FI in as little as four years with real estate  Eliminating your mortgage payment through the power of house hacking  Increasing your income through W2 raises and HUGE property cash flow  Reducing your monthly expenses and supercharging your savings  And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Mindy on BiggerPockets  Scott on BiggerPockets  Grab Scott’s Book, “Set for Life”  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Money Moment  How This Teacher Squashed $20K in Credit Card Debt and Hit Coast FI by 32 w/Yanely Espinal  Join the FinTalks Community Today    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-449     Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email us: moneymoment@biggerpockets.com]]></content:encoded>
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	<itunes:summary><![CDATA[People spend much of their lives grinding to Coast FI, but the truth is that you’re only ever one big financial swing from achieving your FI goals much faster. Despite starting out with very little, today’s guest was able to break the cycle and reach her Coast FI goal in just four years. In this episode, she shares the blueprint for her “overnight” success!  Welcome back to the BiggerPockets Money podcast! Today, we’re speaking with finance guru and real estate investorAmberly Grant. Amberly didn’t come from wealth. Growing up, her family never owned a home or had enough money to afford simple repairs. But, at fifteen, she discovered the book The Wealthy Barber, which ignited her love for finance. After several failed business ventures and a late start to college, Amberly discovered the power of real estate investingin 2019. House hacking covered her mortgage each month, and keeping her expenses down allowed her to save most of her income and buy more properties.  In this episode, Amberly demonstrates just how quickly things can swing in your favor with a little financial knowledgeand hard work. Comfortably Coast FI, Amberly now works from home, manages her real estate portfolio on the side, and spearheads FinTalks—a segment of the FIRE community that discusses important finance topics each week. Tune in to learn how she doubled her W2 income, saved eighty thousand dollars in one year, and made her husband wife-FI!    In This Episode We Cover  How to fast-track your journey to financial independence  Reaching Coast FI in as little as four years with real estate  Eliminating your mortgage payment through the power of house hacking  Increasing your income through W2 raises and HUGE property cash flow  Reducing your monthly expenses and supercharging your savings  And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Mindy on BiggerPockets  Scott on BiggerPockets  Grab Scott’s Book, “Set for Life”  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Money Moment  How This Teacher Squashed $20K in Credit Card Debt and Hit Coast FI by 32 w/Yanely Espinal  Join the FinTalks Community Today    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-449     Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email us: moneymoment@biggerpockets.com]]></itunes:summary>
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	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[People spend much of their lives grinding to Coast FI, but the truth is that you’re only ever one big financial swing from achieving your FI goals much faster. Despite starting out with very little, today’s guest was able to break the cycle and reach her Coast FI goal in just four years. In this episode, she shares the blueprint for her “overnight” success!  Welcome back to the BiggerPockets Money podcast! Today, we’re speaking with finance guru and real estate investorAmberly Grant. Amberly didn’t come from wealth. Growing up, her family never owned a home or had enough money to afford simple repairs. But, at fifteen, she discovered the book The Wealthy Barber, which ignited her love for finance. After several failed business ventures and a late start to college, Amberly discovered the power of real estate investingin 2019. House hacking covered her mortgage each month, and keeping her expenses down allowed her to save most of her income and buy more properties.  In this episode, Amb]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
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<item>
	<title>448: The Average American’s Guide to Investing $10K–$100K</title>
	<link>https://biggerpocketsmoney.com/podcast/448-the-average-americans-guide-to-investing-10k-100k/</link>
	<pubDate>Fri, 08 Sep 2023 06:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
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	<description><![CDATA[Want to know how to invest $10K, $25K, $50K, or even $100K? The average American household has $41,600 saved. While that’s a decent chunk of cash, it’s not working very hard for you by sitting in a savings account, is it? Fortunately, there are all types of ways to invest that money and grow your nest egg much faster!  Welcome back to the BiggerPockets Money podcast! In this “sequel” to our $100-$5,000 episode, we’re looking at ways to invest a much larger amount of money—$10,000-$100,000. Scott and Mindy are joined by guest hosts Kyle Mast and James Dainard, who share their own expertise on where to allocate your capital. Even with the diverse perspectives, all of our hosts agree: don’t just sink your money into your primary residence or fancy car and call yourself a millionaire!  The moves you make today could determine your financial future. Stay tuned as our hosts offer active and passive investing ideas to consider, depending on your risk tolerance. You’ll also learn how to get one-hundred percent financing for real estate deals, ways to build (or buy!) a profitable business, and essential tax planning tips at various income levels!    In This Episode We Cover  The best ways to invest with $10,000, $25,000, $50,000, or $100,000  Active and passive investment opportunities at every level  How to build a nest egg that allows you to live off passive income in retirement  Getting one-hundred percent financing for a house flip through hard money and private money  How to start and build a profitable business with zero startup costs  Strategic tax planning tips to consider at different income levels   And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Mindy on BiggerPockets  Kyle’s Website  Clarity Financial  Kyle’s Twitter  James on BiggerPockets  James's Website  Grab Scott’s Book, “Set for Life”  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Money Moment  The Beginner’s Guide to Investing (Start with Just $100!)  Codie Sanchez: These “Boring Businesses” Will Make You Rich  How to Build Yourself a 6-Figure Income Stream    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-448     Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email us: moneymoment@biggerpockets.com]]></description>
	<itunes:subtitle><![CDATA[Want to know how to invest $10K, $25K, $50K, or even $100K? The average American household has $41,600 saved. While that’s a decent chunk of cash, it’s not working very hard for you by sitting in a savings account, is it? Fortunately, there are all types]]></itunes:subtitle>
	<content:encoded><![CDATA[Want to know how to invest $10K, $25K, $50K, or even $100K? The average American household has $41,600 saved. While that’s a decent chunk of cash, it’s not working very hard for you by sitting in a savings account, is it? Fortunately, there are all types of ways to invest that money and grow your nest egg much faster!  Welcome back to the BiggerPockets Money podcast! In this “sequel” to our $100-$5,000 episode, we’re looking at ways to invest a much larger amount of money—$10,000-$100,000. Scott and Mindy are joined by guest hosts Kyle Mast and James Dainard, who share their own expertise on where to allocate your capital. Even with the diverse perspectives, all of our hosts agree: don’t just sink your money into your primary residence or fancy car and call yourself a millionaire!  The moves you make today could determine your financial future. Stay tuned as our hosts offer active and passive investing ideas to consider, depending on your risk tolerance. You’ll also learn how to get one-hundred percent financing for real estate deals, ways to build (or buy!) a profitable business, and essential tax planning tips at various income levels!    In This Episode We Cover  The best ways to invest with $10,000, $25,000, $50,000, or $100,000  Active and passive investment opportunities at every level  How to build a nest egg that allows you to live off passive income in retirement  Getting one-hundred percent financing for a house flip through hard money and private money  How to start and build a profitable business with zero startup costs  Strategic tax planning tips to consider at different income levels   And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Mindy on BiggerPockets  Kyle’s Website  Clarity Financial  Kyle’s Twitter  James on BiggerPockets  James's Website  Grab Scott’s Book, “Set for Life”  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Money Moment  The Beginner’s Guide to Investing (Start with Just $100!)  Codie Sanchez: These “Boring Businesses” Will Make You Rich  How to Build Yourself a 6-Figure Income Stream    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-448     Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email us: moneymoment@biggerpockets.com]]></content:encoded>
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	<itunes:summary><![CDATA[Want to know how to invest $10K, $25K, $50K, or even $100K? The average American household has $41,600 saved. While that’s a decent chunk of cash, it’s not working very hard for you by sitting in a savings account, is it? Fortunately, there are all types of ways to invest that money and grow your nest egg much faster!  Welcome back to the BiggerPockets Money podcast! In this “sequel” to our $100-$5,000 episode, we’re looking at ways to invest a much larger amount of money—$10,000-$100,000. Scott and Mindy are joined by guest hosts Kyle Mast and James Dainard, who share their own expertise on where to allocate your capital. Even with the diverse perspectives, all of our hosts agree: don’t just sink your money into your primary residence or fancy car and call yourself a millionaire!  The moves you make today could determine your financial future. Stay tuned as our hosts offer active and passive investing ideas to consider, depending on your risk tolerance. You’ll also learn how to get one-hundred percent financing for real estate deals, ways to build (or buy!) a profitable business, and essential tax planning tips at various income levels!    In This Episode We Cover  The best ways to invest with $10,000, $25,000, $50,000, or $100,000  Active and passive investment opportunities at every level  How to build a nest egg that allows you to live off passive income in retirement  Getting one-hundred percent financing for a house flip through hard money and private money  How to start and build a profitable business with zero startup costs  Strategic tax planning tips to consider at different income levels   And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Mindy on BiggerPockets  Kyle’s Website  Clarity Financial  Kyle’s Twitter  James on BiggerPockets  James's Website  Grab Scott’s Book, “Set for Life”  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Money Moment  The Beginner’s Guide to Investing (Start with Just $100!)  Codie Sanchez: These “Boring Businesses” Will Make You Rich  How to Build Yourself a 6-Figure Income Stream    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-448     Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email us: moneymoment@biggerpockets.com]]></itunes:summary>
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	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[Want to know how to invest $10K, $25K, $50K, or even $100K? The average American household has $41,600 saved. While that’s a decent chunk of cash, it’s not working very hard for you by sitting in a savings account, is it? Fortunately, there are all types of ways to invest that money and grow your nest egg much faster!  Welcome back to the BiggerPockets Money podcast! In this “sequel” to our $100-$5,000 episode, we’re looking at ways to invest a much larger amount of money—$10,000-$100,000. Scott and Mindy are joined by guest hosts Kyle Mast and James Dainard, who share their own expertise on where to allocate your capital. Even with the diverse perspectives, all of our hosts agree: don’t just sink your money into your primary residence or fancy car and call yourself a millionaire!  The moves you make today could determine your financial future. Stay tuned as our hosts offer active and passive investing ideas to consider, depending on your risk tolerance. You’ll also learn how to get o]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
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<item>
	<title>447: How to Use Your Financial Fears to Build Wealth Better</title>
	<link>https://biggerpocketsmoney.com/podcast/447-how-to-use-your-financial-fears-to-build-wealth-better/</link>
	<pubDate>Mon, 04 Sep 2023 06:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">9b028a7c-bed0-11ed-beb9-2f8ae5dbf9ea</guid>
	<description><![CDATA[Financial fear is… a good thing!? Fear is an uncomfortable feeling we often try to ignore or suppress. But what if, like other emotions, it exists for a specific purpose? What if following it could help you avoid deathly decisions? Today’s guest is here to set the record straight on this very basic yet misunderstood human emotion we call fear.  Welcome back to the BiggerPockets Money podcast! In this episode, we’re speaking with leading personal finance expert and host of the So Money podcast, Farnoosh Torabi. Ahead of the release of her new book, A Healthy State of Panic, we discuss the emotion at its center—one that is so often intertwined with money: fear. There are all kinds of financial fears that cripple people today—the fear of a stock market crash, of losing their job in a recession, or of running out of money in retirement. Farnoosh is here to tell you that fear isn’t a bad thing. In fact, it’s often the catalyst for a brighter financial future.  If you struggle with a particular money-related fear, guess what? You’re in good company! We all deal with fear on some level—especially when our finances are involved. Tune in to hear Farnoosh talk about the nine most common“flavors” of fear that people face. She also discusses practical ways to leverage fear and gain wisdom in return. Finally, she talks about how working through fear can help you practice gratitude in your life!    In This Episode We Cover  Leveraging the fear in your life to glean new financial wisdom  The nine most common “flavors” of financial fear that hold people back  The importance of education in helping you process your financial fears  Confronting fear today to prevent financial loss in the future  How to live “fearlessly” with a healthy amount of fear in your life  Using fear to practice gratitude for what you have  And So Much More!  Links from the Show  BiggerPockets Money Facebook Group  BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Scott's Instagram  Mindy on BiggerPockets  Grab Scott’s Book, “Set for Life”  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Money Moment  Scott Trench’s Step-by-Step Guide to Building Your Perfect, 1-Page Investment Plan  Grab Your Copy of Farnoosh’s Latest Book, “A Healthy State of Panic”  “So Money” Podcast    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-447     Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email us: moneymoment@biggerpockets.com]]></description>
	<itunes:subtitle><![CDATA[Financial fear is… a good thing!? Fear is an uncomfortable feeling we often try to ignore or suppress. But what if, like other emotions, it exists for a specific purpose? What if following it could help you avoid deathly decisions? Today’s guest is here ]]></itunes:subtitle>
	<content:encoded><![CDATA[Financial fear is… a good thing!? Fear is an uncomfortable feeling we often try to ignore or suppress. But what if, like other emotions, it exists for a specific purpose? What if following it could help you avoid deathly decisions? Today’s guest is here to set the record straight on this very basic yet misunderstood human emotion we call fear.  Welcome back to the BiggerPockets Money podcast! In this episode, we’re speaking with leading personal finance expert and host of the So Money podcast, Farnoosh Torabi. Ahead of the release of her new book, A Healthy State of Panic, we discuss the emotion at its center—one that is so often intertwined with money: fear. There are all kinds of financial fears that cripple people today—the fear of a stock market crash, of losing their job in a recession, or of running out of money in retirement. Farnoosh is here to tell you that fear isn’t a bad thing. In fact, it’s often the catalyst for a brighter financial future.  If you struggle with a particular money-related fear, guess what? You’re in good company! We all deal with fear on some level—especially when our finances are involved. Tune in to hear Farnoosh talk about the nine most common“flavors” of fear that people face. She also discusses practical ways to leverage fear and gain wisdom in return. Finally, she talks about how working through fear can help you practice gratitude in your life!    In This Episode We Cover  Leveraging the fear in your life to glean new financial wisdom  The nine most common “flavors” of financial fear that hold people back  The importance of education in helping you process your financial fears  Confronting fear today to prevent financial loss in the future  How to live “fearlessly” with a healthy amount of fear in your life  Using fear to practice gratitude for what you have  And So Much More!  Links from the Show  BiggerPockets Money Facebook Group  BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Scott's Instagram  Mindy on BiggerPockets  Grab Scott’s Book, “Set for Life”  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Money Moment  Scott Trench’s Step-by-Step Guide to Building Your Perfect, 1-Page Investment Plan  Grab Your Copy of Farnoosh’s Latest Book, “A Healthy State of Panic”  “So Money” Podcast    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-447     Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email us: moneymoment@biggerpockets.com]]></content:encoded>
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	<itunes:summary><![CDATA[Financial fear is… a good thing!? Fear is an uncomfortable feeling we often try to ignore or suppress. But what if, like other emotions, it exists for a specific purpose? What if following it could help you avoid deathly decisions? Today’s guest is here to set the record straight on this very basic yet misunderstood human emotion we call fear.  Welcome back to the BiggerPockets Money podcast! In this episode, we’re speaking with leading personal finance expert and host of the So Money podcast, Farnoosh Torabi. Ahead of the release of her new book, A Healthy State of Panic, we discuss the emotion at its center—one that is so often intertwined with money: fear. There are all kinds of financial fears that cripple people today—the fear of a stock market crash, of losing their job in a recession, or of running out of money in retirement. Farnoosh is here to tell you that fear isn’t a bad thing. In fact, it’s often the catalyst for a brighter financial future.  If you struggle with a particular money-related fear, guess what? You’re in good company! We all deal with fear on some level—especially when our finances are involved. Tune in to hear Farnoosh talk about the nine most common“flavors” of fear that people face. She also discusses practical ways to leverage fear and gain wisdom in return. Finally, she talks about how working through fear can help you practice gratitude in your life!    In This Episode We Cover  Leveraging the fear in your life to glean new financial wisdom  The nine most common “flavors” of financial fear that hold people back  The importance of education in helping you process your financial fears  Confronting fear today to prevent financial loss in the future  How to live “fearlessly” with a healthy amount of fear in your life  Using fear to practice gratitude for what you have  And So Much More!  Links from the Show  BiggerPockets Money Facebook Group  BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Scott's Instagram  Mindy on BiggerPockets  Grab Scott’s Book, “Set for Life”  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Money Moment  Scott Trench’s Step-by-Step Guide to Building Your Perfect, 1-Page Investment Plan  Grab Your Copy of Farnoosh’s Latest Book, “A Healthy State of Panic”  “So Money” Podcast    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-447     Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email us: moneymoment@biggerpockets.com]]></itunes:summary>
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	<itunes:block>no</itunes:block>
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	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[Financial fear is… a good thing!? Fear is an uncomfortable feeling we often try to ignore or suppress. But what if, like other emotions, it exists for a specific purpose? What if following it could help you avoid deathly decisions? Today’s guest is here to set the record straight on this very basic yet misunderstood human emotion we call fear.  Welcome back to the BiggerPockets Money podcast! In this episode, we’re speaking with leading personal finance expert and host of the So Money podcast, Farnoosh Torabi. Ahead of the release of her new book, A Healthy State of Panic, we discuss the emotion at its center—one that is so often intertwined with money: fear. There are all kinds of financial fears that cripple people today—the fear of a stock market crash, of losing their job in a recession, or of running out of money in retirement. Farnoosh is here to tell you that fear isn’t a bad thing. In fact, it’s often the catalyst for a brighter financial future.  If you struggle with a partic]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
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<item>
	<title>446: FIRE by 50: How to Have FUN on Your Journey Toward Early Retirement</title>
	<link>https://biggerpocketsmoney.com/podcast/446-fire-by-50-how-to-have-fun-on-your-journey-toward-early-retirement/</link>
	<pubDate>Fri, 01 Sep 2023 06:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
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	<description><![CDATA[The FIRE community is notorious for chasing early retirement at all costs. Many search for creative ways to earn more money and spend less of it, only to end up hating the journey. If you’ve ever felt burnt out or discouraged on the road to FIRE, you’re in for a real treat with today’s episode!  Welcome back to the BiggerPockets Money podcast! Today, we’re joined by Mark Trautman from Mark’s Money Mind. Early on, Mark decided that he was going to live life on his own terms. So, he and his wife worked their way out of debt and adopted the motto, “Make some, save and invest, and live on the rest.” After maximizing their 401(k) contributions, investing their money in other retirement accounts, and diligently saving each month, Mark and his wife were able to retire by the time he reached age fifty.  We wish Mark’s story ended there. A few years later, however, his life was turned upside down after the death of his wife. While grieving the loss, Mark needed to adjust how he used his nest egg going forward. By implementing smart Roth conversion strategies and opening a “fun bucket” account, Mark was able to not only minimize his tax liabilitybut also find new ways to enjoy retirement. Stick around for a true masterclass on how to relish the journey to FIRE!    In This Episode We Cover  How to enjoy the journey toward financial independence and early retirement  The financial implications you face after the death of a spouse  Reducing your lifetime tax liability with Roth conversion strategies  The “fun bucket” strategy you NEED to implement in retirement  How to start teaching financial independence to your children TODAY  And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Scott's Instagram  Mindy on BiggerPockets  Grab Scott’s Book, “Set for Life”  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Money Moment  Backdoor Roths, Mega Backdoor Roths, and Roth Conversion Ladders  Take Mark’s FREE 7-Week Financial Literacy Course    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-446     Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email us: moneymoment@biggerpockets.com]]></description>
	<itunes:subtitle><![CDATA[The FIRE community is notorious for chasing early retirement at all costs. Many search for creative ways to earn more money and spend less of it, only to end up hating the journey. If you’ve ever felt burnt out or discouraged on the road to FIRE, you’re ]]></itunes:subtitle>
	<content:encoded><![CDATA[The FIRE community is notorious for chasing early retirement at all costs. Many search for creative ways to earn more money and spend less of it, only to end up hating the journey. If you’ve ever felt burnt out or discouraged on the road to FIRE, you’re in for a real treat with today’s episode!  Welcome back to the BiggerPockets Money podcast! Today, we’re joined by Mark Trautman from Mark’s Money Mind. Early on, Mark decided that he was going to live life on his own terms. So, he and his wife worked their way out of debt and adopted the motto, “Make some, save and invest, and live on the rest.” After maximizing their 401(k) contributions, investing their money in other retirement accounts, and diligently saving each month, Mark and his wife were able to retire by the time he reached age fifty.  We wish Mark’s story ended there. A few years later, however, his life was turned upside down after the death of his wife. While grieving the loss, Mark needed to adjust how he used his nest egg going forward. By implementing smart Roth conversion strategies and opening a “fun bucket” account, Mark was able to not only minimize his tax liabilitybut also find new ways to enjoy retirement. Stick around for a true masterclass on how to relish the journey to FIRE!    In This Episode We Cover  How to enjoy the journey toward financial independence and early retirement  The financial implications you face after the death of a spouse  Reducing your lifetime tax liability with Roth conversion strategies  The “fun bucket” strategy you NEED to implement in retirement  How to start teaching financial independence to your children TODAY  And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Scott's Instagram  Mindy on BiggerPockets  Grab Scott’s Book, “Set for Life”  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Money Moment  Backdoor Roths, Mega Backdoor Roths, and Roth Conversion Ladders  Take Mark’s FREE 7-Week Financial Literacy Course    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-446     Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email us: moneymoment@biggerpockets.com]]></content:encoded>
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	<itunes:summary><![CDATA[The FIRE community is notorious for chasing early retirement at all costs. Many search for creative ways to earn more money and spend less of it, only to end up hating the journey. If you’ve ever felt burnt out or discouraged on the road to FIRE, you’re in for a real treat with today’s episode!  Welcome back to the BiggerPockets Money podcast! Today, we’re joined by Mark Trautman from Mark’s Money Mind. Early on, Mark decided that he was going to live life on his own terms. So, he and his wife worked their way out of debt and adopted the motto, “Make some, save and invest, and live on the rest.” After maximizing their 401(k) contributions, investing their money in other retirement accounts, and diligently saving each month, Mark and his wife were able to retire by the time he reached age fifty.  We wish Mark’s story ended there. A few years later, however, his life was turned upside down after the death of his wife. While grieving the loss, Mark needed to adjust how he used his nest egg going forward. By implementing smart Roth conversion strategies and opening a “fun bucket” account, Mark was able to not only minimize his tax liabilitybut also find new ways to enjoy retirement. Stick around for a true masterclass on how to relish the journey to FIRE!    In This Episode We Cover  How to enjoy the journey toward financial independence and early retirement  The financial implications you face after the death of a spouse  Reducing your lifetime tax liability with Roth conversion strategies  The “fun bucket” strategy you NEED to implement in retirement  How to start teaching financial independence to your children TODAY  And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Scott's Instagram  Mindy on BiggerPockets  Grab Scott’s Book, “Set for Life”  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Money Moment  Backdoor Roths, Mega Backdoor Roths, and Roth Conversion Ladders  Take Mark’s FREE 7-Week Financial Literacy Course    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-446     Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email us: moneymoment@biggerpockets.com]]></itunes:summary>
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	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[The FIRE community is notorious for chasing early retirement at all costs. Many search for creative ways to earn more money and spend less of it, only to end up hating the journey. If you’ve ever felt burnt out or discouraged on the road to FIRE, you’re in for a real treat with today’s episode!  Welcome back to the BiggerPockets Money podcast! Today, we’re joined by Mark Trautman from Mark’s Money Mind. Early on, Mark decided that he was going to live life on his own terms. So, he and his wife worked their way out of debt and adopted the motto, “Make some, save and invest, and live on the rest.” After maximizing their 401(k) contributions, investing their money in other retirement accounts, and diligently saving each month, Mark and his wife were able to retire by the time he reached age fifty.  We wish Mark’s story ended there. A few years later, however, his life was turned upside down after the death of his wife. While grieving the loss, Mark needed to adjust how he used his nest e]]></googleplay:description>
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<item>
	<title>445: Can’t Afford to Travel? Nomadic Matt Says You’re (Probably) Wrong</title>
	<link>https://biggerpocketsmoney.com/podcast/445-cant-afford-to-travel-nomadic-matt-says-youre-probably-wrong/</link>
	<pubDate>Mon, 28 Aug 2023 06:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">9a965e42-bed0-11ed-beb9-5b265921ccee</guid>
	<description><![CDATA[Travel hacking allows you to see the world for less than you spend at home. That’s right. If you took your rent or mortgage payment in the US and traded it for traveling abroad, you could live off far less money and do far more than you do back in the States. But you’ll need to know how to work the system before you take off on your flight, or else you might come home happy and full but broke.  Matthew Kepnes, better known online as Nomadic Matt, made travel his full-time job, documenting how much he spent, saved, and enjoyed along the way. Matt has spent more time outside the US than most Americans will in their lives—and he has some secrets to share. Matt goes over EXACTLY how to start travel hacking, from credit cards to cheap activities, hostels, hotels, and horror stories you should try to avoid.  Matt also shares why so many Americans spend WAY too much money when they’re abroad and what you can do tomake your trip last FAR longer IF you follow a few essential tips. So, if you want to finally take the year off and wander around Europe, Southeast Asia, or Central America but don’t think you have the funds to do so, Matt is here to prove you wrong.    In This Episode We Cover  The most cost-effective way to travel and why you MUST “travel like you live”  Why smart spenders MUST get a travel rewards credit card NOW  Geographic arbitrage and the cheapest countries/areas to stay in for weeks (or months!)  Hostel horror stories and why it ISN’T all partying and bunk beds  Free activities you can do in ANY city and where to find them  Matt’s top travel websites and apps to find hotel and flight deals for cheap   And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Scott's Instagram  Mindy on BiggerPockets  Grab Scott’s Book, “Set for Life”  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Money Moment  How to Earn Free Vacations With Travel Rewards Credit Cards    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-445     Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email us: moneymoment@biggerpockets.com]]></description>
	<itunes:subtitle><![CDATA[Travel hacking allows you to see the world for less than you spend at home. That’s right. If you took your rent or mortgage payment in the US and traded it for traveling abroad, you could live off far less money and do far more than you do back in the St]]></itunes:subtitle>
	<content:encoded><![CDATA[Travel hacking allows you to see the world for less than you spend at home. That’s right. If you took your rent or mortgage payment in the US and traded it for traveling abroad, you could live off far less money and do far more than you do back in the States. But you’ll need to know how to work the system before you take off on your flight, or else you might come home happy and full but broke.  Matthew Kepnes, better known online as Nomadic Matt, made travel his full-time job, documenting how much he spent, saved, and enjoyed along the way. Matt has spent more time outside the US than most Americans will in their lives—and he has some secrets to share. Matt goes over EXACTLY how to start travel hacking, from credit cards to cheap activities, hostels, hotels, and horror stories you should try to avoid.  Matt also shares why so many Americans spend WAY too much money when they’re abroad and what you can do tomake your trip last FAR longer IF you follow a few essential tips. So, if you want to finally take the year off and wander around Europe, Southeast Asia, or Central America but don’t think you have the funds to do so, Matt is here to prove you wrong.    In This Episode We Cover  The most cost-effective way to travel and why you MUST “travel like you live”  Why smart spenders MUST get a travel rewards credit card NOW  Geographic arbitrage and the cheapest countries/areas to stay in for weeks (or months!)  Hostel horror stories and why it ISN’T all partying and bunk beds  Free activities you can do in ANY city and where to find them  Matt’s top travel websites and apps to find hotel and flight deals for cheap   And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Scott's Instagram  Mindy on BiggerPockets  Grab Scott’s Book, “Set for Life”  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Money Moment  How to Earn Free Vacations With Travel Rewards Credit Cards    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-445     Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email us: moneymoment@biggerpockets.com]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC8735262025.mp3" length="34739970" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[Travel hacking allows you to see the world for less than you spend at home. That’s right. If you took your rent or mortgage payment in the US and traded it for traveling abroad, you could live off far less money and do far more than you do back in the States. But you’ll need to know how to work the system before you take off on your flight, or else you might come home happy and full but broke.  Matthew Kepnes, better known online as Nomadic Matt, made travel his full-time job, documenting how much he spent, saved, and enjoyed along the way. Matt has spent more time outside the US than most Americans will in their lives—and he has some secrets to share. Matt goes over EXACTLY how to start travel hacking, from credit cards to cheap activities, hostels, hotels, and horror stories you should try to avoid.  Matt also shares why so many Americans spend WAY too much money when they’re abroad and what you can do tomake your trip last FAR longer IF you follow a few essential tips. So, if you want to finally take the year off and wander around Europe, Southeast Asia, or Central America but don’t think you have the funds to do so, Matt is here to prove you wrong.    In This Episode We Cover  The most cost-effective way to travel and why you MUST “travel like you live”  Why smart spenders MUST get a travel rewards credit card NOW  Geographic arbitrage and the cheapest countries/areas to stay in for weeks (or months!)  Hostel horror stories and why it ISN’T all partying and bunk beds  Free activities you can do in ANY city and where to find them  Matt’s top travel websites and apps to find hotel and flight deals for cheap   And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Scott's Instagram  Mindy on BiggerPockets  Grab Scott’s Book, “Set for Life”  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Money Moment  How to Earn Free Vacations With Travel Rewards Credit Cards    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-445     Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email us: moneymoment@biggerpockets.com]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[Travel hacking allows you to see the world for less than you spend at home. That’s right. If you took your rent or mortgage payment in the US and traded it for traveling abroad, you could live off far less money and do far more than you do back in the States. But you’ll need to know how to work the system before you take off on your flight, or else you might come home happy and full but broke.  Matthew Kepnes, better known online as Nomadic Matt, made travel his full-time job, documenting how much he spent, saved, and enjoyed along the way. Matt has spent more time outside the US than most Americans will in their lives—and he has some secrets to share. Matt goes over EXACTLY how to start travel hacking, from credit cards to cheap activities, hostels, hotels, and horror stories you should try to avoid.  Matt also shares why so many Americans spend WAY too much money when they’re abroad and what you can do tomake your trip last FAR longer IF you follow a few essential tips. So, if you w]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
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<item>
	<title>444: Financial Advisor Fees, LLCs, and Stock Investing 101 &#124; Ask Mindy and Scott</title>
	<link>https://biggerpocketsmoney.com/podcast/444-financial-advisor-fees-llcs-and-stock-investing-101-ask-mindy-and-scott/</link>
	<pubDate>Fri, 25 Aug 2023 06:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
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	<description><![CDATA[Financial advisors are supposed to look after your money, but sometimes, their profits come first. We’ve had many questions about which type of financial advisors to use, which aren’t worth the fee, and whether you even need one in the first place. On this Finance Friday episode, Mindy and Scott are taking questions directly from listeners like you, and one of the top ones finally answers the question: what are these “fees” financial advisors are charging me!?  You’ve got money questions. Scott and Mindy have answers. In this episode, they’ll touch on topics like which type of financial advisor to hire, whether cashing out your 401(k) early is ever worth it, what to do when your bank messed up your interest rate, when (and when not) to use LLCs for real estate investing, and how to start investing in stocks when you’ve only got $1,000!   Got a money question you want to ask Mindy and Scott? Head over to the BiggerPockets Money Facebook group, or click here to submit your question on our next Q&A episode!    In This Episode We Cover  How to start investing in the stock market with $1,000 (or less!)  Rental property LLCs and why you’re probably wrong about “tax write-offs”  Financial advisor fees and the ONLY type of financial advisor we’d recommend  Cashing out your 401(k) early when you need to pay off credit card debt  Return on equity explained and signs it’s time to sell/refinance a property  And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Scott's Instagram  Mindy on BiggerPockets  Grab Scott’s Book, “Set for Life”  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Register for an Upcoming InvestHER Event  Money Moment  Hear Our Last Q&A Episode  The Simple Path to Wealth—Index Funds Explained with JL Collins  The Simple Path to Wealth (Book)  Work with a Fee-ONLY Financial Advisor    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-444     Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email us: moneymoment@biggerpockets.com]]></description>
	<itunes:subtitle><![CDATA[Financial advisors are supposed to look after your money, but sometimes, their profits come first. We’ve had many questions about which type of financial advisors to use, which aren’t worth the fee, and whether you even need one in the first place. On th]]></itunes:subtitle>
	<content:encoded><![CDATA[Financial advisors are supposed to look after your money, but sometimes, their profits come first. We’ve had many questions about which type of financial advisors to use, which aren’t worth the fee, and whether you even need one in the first place. On this Finance Friday episode, Mindy and Scott are taking questions directly from listeners like you, and one of the top ones finally answers the question: what are these “fees” financial advisors are charging me!?  You’ve got money questions. Scott and Mindy have answers. In this episode, they’ll touch on topics like which type of financial advisor to hire, whether cashing out your 401(k) early is ever worth it, what to do when your bank messed up your interest rate, when (and when not) to use LLCs for real estate investing, and how to start investing in stocks when you’ve only got $1,000!   Got a money question you want to ask Mindy and Scott? Head over to the BiggerPockets Money Facebook group, or click here to submit your question on our next Q&A episode!    In This Episode We Cover  How to start investing in the stock market with $1,000 (or less!)  Rental property LLCs and why you’re probably wrong about “tax write-offs”  Financial advisor fees and the ONLY type of financial advisor we’d recommend  Cashing out your 401(k) early when you need to pay off credit card debt  Return on equity explained and signs it’s time to sell/refinance a property  And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Scott's Instagram  Mindy on BiggerPockets  Grab Scott’s Book, “Set for Life”  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Register for an Upcoming InvestHER Event  Money Moment  Hear Our Last Q&A Episode  The Simple Path to Wealth—Index Funds Explained with JL Collins  The Simple Path to Wealth (Book)  Work with a Fee-ONLY Financial Advisor    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-444     Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email us: moneymoment@biggerpockets.com]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC1022337983.mp3" length="29567013" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[Financial advisors are supposed to look after your money, but sometimes, their profits come first. We’ve had many questions about which type of financial advisors to use, which aren’t worth the fee, and whether you even need one in the first place. On this Finance Friday episode, Mindy and Scott are taking questions directly from listeners like you, and one of the top ones finally answers the question: what are these “fees” financial advisors are charging me!?  You’ve got money questions. Scott and Mindy have answers. In this episode, they’ll touch on topics like which type of financial advisor to hire, whether cashing out your 401(k) early is ever worth it, what to do when your bank messed up your interest rate, when (and when not) to use LLCs for real estate investing, and how to start investing in stocks when you’ve only got $1,000!   Got a money question you want to ask Mindy and Scott? Head over to the BiggerPockets Money Facebook group, or click here to submit your question on our next Q&A episode!    In This Episode We Cover  How to start investing in the stock market with $1,000 (or less!)  Rental property LLCs and why you’re probably wrong about “tax write-offs”  Financial advisor fees and the ONLY type of financial advisor we’d recommend  Cashing out your 401(k) early when you need to pay off credit card debt  Return on equity explained and signs it’s time to sell/refinance a property  And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Scott's Instagram  Mindy on BiggerPockets  Grab Scott’s Book, “Set for Life”  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Register for an Upcoming InvestHER Event  Money Moment  Hear Our Last Q&A Episode  The Simple Path to Wealth—Index Funds Explained with JL Collins  The Simple Path to Wealth (Book)  Work with a Fee-ONLY Financial Advisor    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-444     Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email us: moneymoment@biggerpockets.com]]></itunes:summary>
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	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[Financial advisors are supposed to look after your money, but sometimes, their profits come first. We’ve had many questions about which type of financial advisors to use, which aren’t worth the fee, and whether you even need one in the first place. On this Finance Friday episode, Mindy and Scott are taking questions directly from listeners like you, and one of the top ones finally answers the question: what are these “fees” financial advisors are charging me!?  You’ve got money questions. Scott and Mindy have answers. In this episode, they’ll touch on topics like which type of financial advisor to hire, whether cashing out your 401(k) early is ever worth it, what to do when your bank messed up your interest rate, when (and when not) to use LLCs for real estate investing, and how to start investing in stocks when you’ve only got $1,000!   Got a money question you want to ask Mindy and Scott? Head over to the BiggerPockets Money Facebook group, or click here to submit your question on o]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
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<item>
	<title>443: The Entrepreneur’s Guide to FI: A Day in the Life of a Finance Blogger</title>
	<link>https://biggerpocketsmoney.com/podcast/443-the-entrepreneurs-guide-to-fi-a-day-in-the-life-of-a-finance-blogger/</link>
	<pubDate>Mon, 21 Aug 2023 06:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">9a80f674-bed0-11ed-beb9-b3610d3cabd2</guid>
	<description><![CDATA[A “wife-FI,” semi-retired finance blogger? It sounds like an exciting life, but what does it entail? Today’s guest didn’t arrive here overnight and doesn’t recommend it for everyone. What he does recommend, however, is identifying the type of financial independence you want and then working hard to achieve it!  Welcome back to the BiggerPockets Money podcast! Today, we’re chatting with J Money, one of the pioneering finance bloggers who started his journey toward financial freedom back in 2007. After catching the personal finance bug, J decided to document his progress on his blog Budgets Are Sexy. After selling the blog to The Motley Fool and buying it back a few years later, J now blogs for fun, spends time with his three kids, and otherwise goes with the flow.  In this episode, J shares about the “wife-FI” lifestyle and how he invests his money for the long haul. He also opens up about his recent autoimmune disease diagnosis and how it affects his family’s finances today. As always, Scott and Mindy are here to tackle all kinds of financial topics—including the debate between renting and home ownership, paying off your home versus keeping a home loan, and how to invest amid a potential economic downturn!    In This Episode We Cover  A typical “day in the life” of a semi-retired finance blogger  The pros and cons of owning versus renting your home  When it makes sense to pay off your home or keep a mortgage  Where to invest your money in a shaky economy  Budgeting for monthly expenses and medical costs on one income  And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Scott's Instagram  Mindy on BiggerPocket  Grab Scott’s Book, “Set for Life”  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Join The Real Estate InvestHER Community on Facebook  Money Moment  How to Get Rich Slowly and Retire Earlier Than Most with a Modest Portfolio  Budgets Really ARE Sexy! With J. Money    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-443     Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email us: moneymoment@biggerpockets.com]]></description>
	<itunes:subtitle><![CDATA[A “wife-FI,” semi-retired finance blogger? It sounds like an exciting life, but what does it entail? Today’s guest didn’t arrive here overnight and doesn’t recommend it for everyone. What he does recommend, however, is identifying the type of financial i]]></itunes:subtitle>
	<content:encoded><![CDATA[A “wife-FI,” semi-retired finance blogger? It sounds like an exciting life, but what does it entail? Today’s guest didn’t arrive here overnight and doesn’t recommend it for everyone. What he does recommend, however, is identifying the type of financial independence you want and then working hard to achieve it!  Welcome back to the BiggerPockets Money podcast! Today, we’re chatting with J Money, one of the pioneering finance bloggers who started his journey toward financial freedom back in 2007. After catching the personal finance bug, J decided to document his progress on his blog Budgets Are Sexy. After selling the blog to The Motley Fool and buying it back a few years later, J now blogs for fun, spends time with his three kids, and otherwise goes with the flow.  In this episode, J shares about the “wife-FI” lifestyle and how he invests his money for the long haul. He also opens up about his recent autoimmune disease diagnosis and how it affects his family’s finances today. As always, Scott and Mindy are here to tackle all kinds of financial topics—including the debate between renting and home ownership, paying off your home versus keeping a home loan, and how to invest amid a potential economic downturn!    In This Episode We Cover  A typical “day in the life” of a semi-retired finance blogger  The pros and cons of owning versus renting your home  When it makes sense to pay off your home or keep a mortgage  Where to invest your money in a shaky economy  Budgeting for monthly expenses and medical costs on one income  And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Scott's Instagram  Mindy on BiggerPocket  Grab Scott’s Book, “Set for Life”  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Join The Real Estate InvestHER Community on Facebook  Money Moment  How to Get Rich Slowly and Retire Earlier Than Most with a Modest Portfolio  Budgets Really ARE Sexy! With J. Money    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-443     Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email us: moneymoment@biggerpockets.com]]></content:encoded>
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	<itunes:summary><![CDATA[A “wife-FI,” semi-retired finance blogger? It sounds like an exciting life, but what does it entail? Today’s guest didn’t arrive here overnight and doesn’t recommend it for everyone. What he does recommend, however, is identifying the type of financial independence you want and then working hard to achieve it!  Welcome back to the BiggerPockets Money podcast! Today, we’re chatting with J Money, one of the pioneering finance bloggers who started his journey toward financial freedom back in 2007. After catching the personal finance bug, J decided to document his progress on his blog Budgets Are Sexy. After selling the blog to The Motley Fool and buying it back a few years later, J now blogs for fun, spends time with his three kids, and otherwise goes with the flow.  In this episode, J shares about the “wife-FI” lifestyle and how he invests his money for the long haul. He also opens up about his recent autoimmune disease diagnosis and how it affects his family’s finances today. As always, Scott and Mindy are here to tackle all kinds of financial topics—including the debate between renting and home ownership, paying off your home versus keeping a home loan, and how to invest amid a potential economic downturn!    In This Episode We Cover  A typical “day in the life” of a semi-retired finance blogger  The pros and cons of owning versus renting your home  When it makes sense to pay off your home or keep a mortgage  Where to invest your money in a shaky economy  Budgeting for monthly expenses and medical costs on one income  And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Scott's Instagram  Mindy on BiggerPocket  Grab Scott’s Book, “Set for Life”  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Join The Real Estate InvestHER Community on Facebook  Money Moment  How to Get Rich Slowly and Retire Earlier Than Most with a Modest Portfolio  Budgets Really ARE Sexy! With J. Money    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-443     Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email us: moneymoment@biggerpockets.com]]></itunes:summary>
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	<itunes:block>no</itunes:block>
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	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[A “wife-FI,” semi-retired finance blogger? It sounds like an exciting life, but what does it entail? Today’s guest didn’t arrive here overnight and doesn’t recommend it for everyone. What he does recommend, however, is identifying the type of financial independence you want and then working hard to achieve it!  Welcome back to the BiggerPockets Money podcast! Today, we’re chatting with J Money, one of the pioneering finance bloggers who started his journey toward financial freedom back in 2007. After catching the personal finance bug, J decided to document his progress on his blog Budgets Are Sexy. After selling the blog to The Motley Fool and buying it back a few years later, J now blogs for fun, spends time with his three kids, and otherwise goes with the flow.  In this episode, J shares about the “wife-FI” lifestyle and how he invests his money for the long haul. He also opens up about his recent autoimmune disease diagnosis and how it affects his family’s finances today. As always]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
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<item>
	<title>442: Finance Friday: Planning for a Family Costs More Than I Thought…</title>
	<link>https://biggerpocketsmoney.com/podcast/442-finance-friday-planning-for-a-family-costs-more-than-i-thought/</link>
	<pubDate>Fri, 18 Aug 2023 06:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">9ac158d6-bed0-11ed-beb9-5b6fa1787689</guid>
	<description><![CDATA[Knowing how to budget is one thing. Knowing how to budget for a pricey pregnancy and future family is another. So, how do you smoothly go from a couple used to saving thousands of dollars every month to a family with a slew of new costs added to the budget? First, let’s look at what you’re making, what you’re keeping, and what you MUST have on hand to safely raise a family.   We’ll be doing precisely that with today’s guest John. John and his wife make a sizable income and keep a strict budget with modest expenses. They’re saving a serious amount of money every month, but there’s one massive expense that’s about to be added to their budget. John and his wife have to go the surrogacy route for their first two children, and the price tag isn’t cheap.  With a six-figure cost PER successful surrogacy, John wants to know how to balance his budget with his high student loans about to kick back in. He also wants to invest but knows that could put his surrogacy savings at risk. Even if you’re not going the surrogacy route, this episode is CRUCIAL for any new parent—especially those that still want to achieve FI earlier in life!    In This Episode We Cover  Budgeting for your future family and how to make sure your savings stay risk-free  Surrogacy, expensive pregnancies, and unexpected costs you may have to pay  Student loan debt and how to plan for payments once the pause is over  The BEST savings account to stick your money into today  Active investing vs. passive investing and why rental properties aren’t for everyone  And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Scott's Instagram  Mindy on BiggerPocket  Grab Scott’s Book, “Set for Life”  Scott Trench’s Step-by-Step Guide to Building Your Perfect, 1-Page Investment Plans  Hear James on the “On the Market” Podcast  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Listen to The Real Estate InvestHER Show  Join The Real Estate InvestHER Community on Facebook  Register for an Upcoming InvestHER Event  Money Moment  Federal Student Loan Forgiveness Update: What Happens Now?  Budgeting for a Baby: The Costs EVERY New Parent Should Expect    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-442     Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email us: moneymoment@biggerpockets.com]]></description>
	<itunes:subtitle><![CDATA[Knowing how to budget is one thing. Knowing how to budget for a pricey pregnancy and future family is another. So, how do you smoothly go from a couple used to saving thousands of dollars every month to a family with a slew of new costs added to the budg]]></itunes:subtitle>
	<content:encoded><![CDATA[Knowing how to budget is one thing. Knowing how to budget for a pricey pregnancy and future family is another. So, how do you smoothly go from a couple used to saving thousands of dollars every month to a family with a slew of new costs added to the budget? First, let’s look at what you’re making, what you’re keeping, and what you MUST have on hand to safely raise a family.   We’ll be doing precisely that with today’s guest John. John and his wife make a sizable income and keep a strict budget with modest expenses. They’re saving a serious amount of money every month, but there’s one massive expense that’s about to be added to their budget. John and his wife have to go the surrogacy route for their first two children, and the price tag isn’t cheap.  With a six-figure cost PER successful surrogacy, John wants to know how to balance his budget with his high student loans about to kick back in. He also wants to invest but knows that could put his surrogacy savings at risk. Even if you’re not going the surrogacy route, this episode is CRUCIAL for any new parent—especially those that still want to achieve FI earlier in life!    In This Episode We Cover  Budgeting for your future family and how to make sure your savings stay risk-free  Surrogacy, expensive pregnancies, and unexpected costs you may have to pay  Student loan debt and how to plan for payments once the pause is over  The BEST savings account to stick your money into today  Active investing vs. passive investing and why rental properties aren’t for everyone  And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Scott's Instagram  Mindy on BiggerPocket  Grab Scott’s Book, “Set for Life”  Scott Trench’s Step-by-Step Guide to Building Your Perfect, 1-Page Investment Plans  Hear James on the “On the Market” Podcast  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Listen to The Real Estate InvestHER Show  Join The Real Estate InvestHER Community on Facebook  Register for an Upcoming InvestHER Event  Money Moment  Federal Student Loan Forgiveness Update: What Happens Now?  Budgeting for a Baby: The Costs EVERY New Parent Should Expect    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-442     Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email us: moneymoment@biggerpockets.com]]></content:encoded>
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	<itunes:summary><![CDATA[Knowing how to budget is one thing. Knowing how to budget for a pricey pregnancy and future family is another. So, how do you smoothly go from a couple used to saving thousands of dollars every month to a family with a slew of new costs added to the budget? First, let’s look at what you’re making, what you’re keeping, and what you MUST have on hand to safely raise a family.   We’ll be doing precisely that with today’s guest John. John and his wife make a sizable income and keep a strict budget with modest expenses. They’re saving a serious amount of money every month, but there’s one massive expense that’s about to be added to their budget. John and his wife have to go the surrogacy route for their first two children, and the price tag isn’t cheap.  With a six-figure cost PER successful surrogacy, John wants to know how to balance his budget with his high student loans about to kick back in. He also wants to invest but knows that could put his surrogacy savings at risk. Even if you’re not going the surrogacy route, this episode is CRUCIAL for any new parent—especially those that still want to achieve FI earlier in life!    In This Episode We Cover  Budgeting for your future family and how to make sure your savings stay risk-free  Surrogacy, expensive pregnancies, and unexpected costs you may have to pay  Student loan debt and how to plan for payments once the pause is over  The BEST savings account to stick your money into today  Active investing vs. passive investing and why rental properties aren’t for everyone  And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Scott's Instagram  Mindy on BiggerPocket  Grab Scott’s Book, “Set for Life”  Scott Trench’s Step-by-Step Guide to Building Your Perfect, 1-Page Investment Plans  Hear James on the “On the Market” Podcast  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Listen to The Real Estate InvestHER Show  Join The Real Estate InvestHER Community on Facebook  Register for an Upcoming InvestHER Event  Money Moment  Federal Student Loan Forgiveness Update: What Happens Now?  Budgeting for a Baby: The Costs EVERY New Parent Should Expect    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-442     Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email us: moneymoment@biggerpockets.com]]></itunes:summary>
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	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[Knowing how to budget is one thing. Knowing how to budget for a pricey pregnancy and future family is another. So, how do you smoothly go from a couple used to saving thousands of dollars every month to a family with a slew of new costs added to the budget? First, let’s look at what you’re making, what you’re keeping, and what you MUST have on hand to safely raise a family.   We’ll be doing precisely that with today’s guest John. John and his wife make a sizable income and keep a strict budget with modest expenses. They’re saving a serious amount of money every month, but there’s one massive expense that’s about to be added to their budget. John and his wife have to go the surrogacy route for their first two children, and the price tag isn’t cheap.  With a six-figure cost PER successful surrogacy, John wants to know how to balance his budget with his high student loans about to kick back in. He also wants to invest but knows that could put his surrogacy savings at risk. Even if you’re]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
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<item>
	<title>441: Foreclosures Are Rising Across the Nation, But Who Should Buy Them?</title>
	<link>https://biggerpocketsmoney.com/podcast/441-foreclosures-are-rising-across-the-nation-but-who-should-buy-them/</link>
	<pubDate>Mon, 14 Aug 2023 06:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">9a6ba080-bed0-11ed-beb9-af8de35aa4ba</guid>
	<description><![CDATA[Foreclosure can be a sensitive topic. After the embarrassment of falling behind on payments, there’s the fear of losing your home and having no place to live. Rather than preying on someone who feels helpless, there are ways for investors to profit while also helping the distressed seller.  In this episode, we’re chatting with guest and long-time friend Laura Morby. As the daughter of a general contractorand a licensed agent by twenty-two years old, Laura was destined for a long career in real estate. Little did she know that her start as a hustling real estate agent would land her in the top 0.05% and help her become a full-time investor!  Foreclosure is an issue that resonates deeply with Laura, as her father was foreclosed on after the impact of the 2008 housing market crash. Her message to homeowners? Avoid the foreclosure auction at all costs. As for investors, don’t rush into a short sale! There are all kinds of creative financing solutions that can ingratiate you with the seller and help you reach a win-win deal. Join Laura, Scott, and guest host James Dainard as they discuss the biggest pain pointshomeowners face today, current foreclosure rates amid a looming recession, and how to properly vet a real estate agent before working together!    In This Episode We Cover  Creative financing options for homeowners facing foreclosure  How investors can provide a valuable service to distressed homeowners  The current foreclosure market and how investors are being affected  The most common pain points homeowners face in foreclosure  Costly pitfalls to avoid when selling a pre-foreclosed property  Four questions you MUST ask a real estate agent before working together  And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Scott's Instagram  Grab Scott’s Book, “Set for Life”  Hear James on the “On the Market” Podcast  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Listen to The Real Estate InvestHER Show  Join The Real Estate InvestHER Community on Facebook  Register for an Upcoming InvestHER Event  Money Moment  How to Buy a Foreclosure: A Guide for Finding & Landing Foreclosed Deals  6 Tips on Investing in Foreclosures for First Timers    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-441     Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email us: moneymoment@biggerpockets.com]]></description>
	<itunes:subtitle><![CDATA[Foreclosure can be a sensitive topic. After the embarrassment of falling behind on payments, there’s the fear of losing your home and having no place to live. Rather than preying on someone who feels helpless, there are ways for investors to profit while]]></itunes:subtitle>
	<content:encoded><![CDATA[Foreclosure can be a sensitive topic. After the embarrassment of falling behind on payments, there’s the fear of losing your home and having no place to live. Rather than preying on someone who feels helpless, there are ways for investors to profit while also helping the distressed seller.  In this episode, we’re chatting with guest and long-time friend Laura Morby. As the daughter of a general contractorand a licensed agent by twenty-two years old, Laura was destined for a long career in real estate. Little did she know that her start as a hustling real estate agent would land her in the top 0.05% and help her become a full-time investor!  Foreclosure is an issue that resonates deeply with Laura, as her father was foreclosed on after the impact of the 2008 housing market crash. Her message to homeowners? Avoid the foreclosure auction at all costs. As for investors, don’t rush into a short sale! There are all kinds of creative financing solutions that can ingratiate you with the seller and help you reach a win-win deal. Join Laura, Scott, and guest host James Dainard as they discuss the biggest pain pointshomeowners face today, current foreclosure rates amid a looming recession, and how to properly vet a real estate agent before working together!    In This Episode We Cover  Creative financing options for homeowners facing foreclosure  How investors can provide a valuable service to distressed homeowners  The current foreclosure market and how investors are being affected  The most common pain points homeowners face in foreclosure  Costly pitfalls to avoid when selling a pre-foreclosed property  Four questions you MUST ask a real estate agent before working together  And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Scott's Instagram  Grab Scott’s Book, “Set for Life”  Hear James on the “On the Market” Podcast  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Listen to The Real Estate InvestHER Show  Join The Real Estate InvestHER Community on Facebook  Register for an Upcoming InvestHER Event  Money Moment  How to Buy a Foreclosure: A Guide for Finding & Landing Foreclosed Deals  6 Tips on Investing in Foreclosures for First Timers    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-441     Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email us: moneymoment@biggerpockets.com]]></content:encoded>
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	<itunes:summary><![CDATA[Foreclosure can be a sensitive topic. After the embarrassment of falling behind on payments, there’s the fear of losing your home and having no place to live. Rather than preying on someone who feels helpless, there are ways for investors to profit while also helping the distressed seller.  In this episode, we’re chatting with guest and long-time friend Laura Morby. As the daughter of a general contractorand a licensed agent by twenty-two years old, Laura was destined for a long career in real estate. Little did she know that her start as a hustling real estate agent would land her in the top 0.05% and help her become a full-time investor!  Foreclosure is an issue that resonates deeply with Laura, as her father was foreclosed on after the impact of the 2008 housing market crash. Her message to homeowners? Avoid the foreclosure auction at all costs. As for investors, don’t rush into a short sale! There are all kinds of creative financing solutions that can ingratiate you with the seller and help you reach a win-win deal. Join Laura, Scott, and guest host James Dainard as they discuss the biggest pain pointshomeowners face today, current foreclosure rates amid a looming recession, and how to properly vet a real estate agent before working together!    In This Episode We Cover  Creative financing options for homeowners facing foreclosure  How investors can provide a valuable service to distressed homeowners  The current foreclosure market and how investors are being affected  The most common pain points homeowners face in foreclosure  Costly pitfalls to avoid when selling a pre-foreclosed property  Four questions you MUST ask a real estate agent before working together  And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Scott's Instagram  Grab Scott’s Book, “Set for Life”  Hear James on the “On the Market” Podcast  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Listen to The Real Estate InvestHER Show  Join The Real Estate InvestHER Community on Facebook  Register for an Upcoming InvestHER Event  Money Moment  How to Buy a Foreclosure: A Guide for Finding & Landing Foreclosed Deals  6 Tips on Investing in Foreclosures for First Timers    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-441     Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email us: moneymoment@biggerpockets.com]]></itunes:summary>
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	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[Foreclosure can be a sensitive topic. After the embarrassment of falling behind on payments, there’s the fear of losing your home and having no place to live. Rather than preying on someone who feels helpless, there are ways for investors to profit while also helping the distressed seller.  In this episode, we’re chatting with guest and long-time friend Laura Morby. As the daughter of a general contractorand a licensed agent by twenty-two years old, Laura was destined for a long career in real estate. Little did she know that her start as a hustling real estate agent would land her in the top 0.05% and help her become a full-time investor!  Foreclosure is an issue that resonates deeply with Laura, as her father was foreclosed on after the impact of the 2008 housing market crash. Her message to homeowners? Avoid the foreclosure auction at all costs. As for investors, don’t rush into a short sale! There are all kinds of creative financing solutions that can ingratiate you with the selle]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
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<item>
	<title>440: Why ROE Beats ROI, and How to Earn Truly “Passive” Income from Real Estate</title>
	<link>https://biggerpocketsmoney.com/podcast/440-why-roe-beats-roi-and-how-to-earn-truly-passive-income-from-real-estate/</link>
	<pubDate>Fri, 11 Aug 2023 06:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">9aab507c-bed0-11ed-beb9-776afb1d515d</guid>
	<description><![CDATA[As an investor, it’s easy to become fixated on cash flow, much like today’s guest at the start of his real estate journey. After realizing he was “house poor” with a mortgage payment larger than he could afford, Eric Garber stumbled upon house hacking. He rented out his basement and used the extra money to pay off his house early. With proof of concept for his newfound house hacking strategy and income from a stable W2 job, everything was going great.  Then Eric’s world came crashing down when his marriage ended and his employer froze his pension plan. Without a prenuptial agreement, his financial fate was left to the state court system. Losing more than half of the assets he had worked tirelessly to grow, Eric found himself back at square one. This time, he was going to do things differently. Rather than pouring his time, energy, and money into paying off his real estate and living off the cash flow, Eric realized the opportunity that could be had by accessing his equity and putting it to work—a revelation that will allow him to retire early, despite the curveballs life has thrown his way.  If you think getting a prenup is “planning for divorce,” you’ll want to hear what Eric has to share in this episode of the BiggerPockets Money podcast. Beyond offering practical financial tips you can put into practice before getting married, he talks about the paradigm shift that allowed him to unlock wealth. He also discusses the investing strategythat allows him to earn truly “passive” income—syndication deals!    In This Episode We Cover  Why you NEED a prenuptial agreement to protect your financial future  One of the most “passive” ways to invest in real estate  Weathering economic downturns by diversifying your investment portfolio  How to do your homework when analyzing a syndication deal  Key financial tips to consider before you get married  And So Much More!  Links from the Show  BiggerPockets Money Facebook Group  BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Scott's Instagram  Mindy on BiggerPockets  Grab Scott’s Book, “Set for Life”  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Listen to The Real Estate InvestHER Show  Join The Real Estate InvestHER Community on Facebook  Register for an Upcoming InvestHER Event  Money Moment  Why You’re (Probably) Wrong About Prenups  ROE over ROI and Why Your “Cash Flow” Number Is Deceiving  Syndications: Everything You Need to Know BEFORE You Invest    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-440     Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email us: moneymoment@biggerpockets.com]]></description>
	<itunes:subtitle><![CDATA[As an investor, it’s easy to become fixated on cash flow, much like today’s guest at the start of his real estate journey. After realizing he was “house poor” with a mortgage payment larger than he could afford, Eric Garber stumbled upon house hacking. H]]></itunes:subtitle>
	<content:encoded><![CDATA[As an investor, it’s easy to become fixated on cash flow, much like today’s guest at the start of his real estate journey. After realizing he was “house poor” with a mortgage payment larger than he could afford, Eric Garber stumbled upon house hacking. He rented out his basement and used the extra money to pay off his house early. With proof of concept for his newfound house hacking strategy and income from a stable W2 job, everything was going great.  Then Eric’s world came crashing down when his marriage ended and his employer froze his pension plan. Without a prenuptial agreement, his financial fate was left to the state court system. Losing more than half of the assets he had worked tirelessly to grow, Eric found himself back at square one. This time, he was going to do things differently. Rather than pouring his time, energy, and money into paying off his real estate and living off the cash flow, Eric realized the opportunity that could be had by accessing his equity and putting it to work—a revelation that will allow him to retire early, despite the curveballs life has thrown his way.  If you think getting a prenup is “planning for divorce,” you’ll want to hear what Eric has to share in this episode of the BiggerPockets Money podcast. Beyond offering practical financial tips you can put into practice before getting married, he talks about the paradigm shift that allowed him to unlock wealth. He also discusses the investing strategythat allows him to earn truly “passive” income—syndication deals!    In This Episode We Cover  Why you NEED a prenuptial agreement to protect your financial future  One of the most “passive” ways to invest in real estate  Weathering economic downturns by diversifying your investment portfolio  How to do your homework when analyzing a syndication deal  Key financial tips to consider before you get married  And So Much More!  Links from the Show  BiggerPockets Money Facebook Group  BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Scott's Instagram  Mindy on BiggerPockets  Grab Scott’s Book, “Set for Life”  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Listen to The Real Estate InvestHER Show  Join The Real Estate InvestHER Community on Facebook  Register for an Upcoming InvestHER Event  Money Moment  Why You’re (Probably) Wrong About Prenups  ROE over ROI and Why Your “Cash Flow” Number Is Deceiving  Syndications: Everything You Need to Know BEFORE You Invest    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-440     Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email us: moneymoment@biggerpockets.com]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC5778020538.mp3" length="41847535" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[As an investor, it’s easy to become fixated on cash flow, much like today’s guest at the start of his real estate journey. After realizing he was “house poor” with a mortgage payment larger than he could afford, Eric Garber stumbled upon house hacking. He rented out his basement and used the extra money to pay off his house early. With proof of concept for his newfound house hacking strategy and income from a stable W2 job, everything was going great.  Then Eric’s world came crashing down when his marriage ended and his employer froze his pension plan. Without a prenuptial agreement, his financial fate was left to the state court system. Losing more than half of the assets he had worked tirelessly to grow, Eric found himself back at square one. This time, he was going to do things differently. Rather than pouring his time, energy, and money into paying off his real estate and living off the cash flow, Eric realized the opportunity that could be had by accessing his equity and putting it to work—a revelation that will allow him to retire early, despite the curveballs life has thrown his way.  If you think getting a prenup is “planning for divorce,” you’ll want to hear what Eric has to share in this episode of the BiggerPockets Money podcast. Beyond offering practical financial tips you can put into practice before getting married, he talks about the paradigm shift that allowed him to unlock wealth. He also discusses the investing strategythat allows him to earn truly “passive” income—syndication deals!    In This Episode We Cover  Why you NEED a prenuptial agreement to protect your financial future  One of the most “passive” ways to invest in real estate  Weathering economic downturns by diversifying your investment portfolio  How to do your homework when analyzing a syndication deal  Key financial tips to consider before you get married  And So Much More!  Links from the Show  BiggerPockets Money Facebook Group  BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Scott's Instagram  Mindy on BiggerPockets  Grab Scott’s Book, “Set for Life”  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Listen to The Real Estate InvestHER Show  Join The Real Estate InvestHER Community on Facebook  Register for an Upcoming InvestHER Event  Money Moment  Why You’re (Probably) Wrong About Prenups  ROE over ROI and Why Your “Cash Flow” Number Is Deceiving  Syndications: Everything You Need to Know BEFORE You Invest    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-440     Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email us: moneymoment@biggerpockets.com]]></itunes:summary>
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	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[As an investor, it’s easy to become fixated on cash flow, much like today’s guest at the start of his real estate journey. After realizing he was “house poor” with a mortgage payment larger than he could afford, Eric Garber stumbled upon house hacking. He rented out his basement and used the extra money to pay off his house early. With proof of concept for his newfound house hacking strategy and income from a stable W2 job, everything was going great.  Then Eric’s world came crashing down when his marriage ended and his employer froze his pension plan. Without a prenuptial agreement, his financial fate was left to the state court system. Losing more than half of the assets he had worked tirelessly to grow, Eric found himself back at square one. This time, he was going to do things differently. Rather than pouring his time, energy, and money into paying off his real estate and living off the cash flow, Eric realized the opportunity that could be had by accessing his equity and putting ]]></googleplay:description>
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<item>
	<title>439: Watch Out for These Financial Infidelity “Red Flags” in Your Marriage</title>
	<link>https://biggerpocketsmoney.com/podcast/439-watch-out-for-these-financial-infidelity-red-flags-in-your-marriage/</link>
	<pubDate>Mon, 07 Aug 2023 06:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">9a556f54-bed0-11ed-beb9-fbe8865e5bab</guid>
	<description><![CDATA[What should you do if you suspect financial infidelity from a partner? Money is a taboo subject in many marriages, and it doesn’t help that some spouses take a hands-off approach to personal finance. As you might imagine, this can quickly lead to one partner taking advantage of the other. Today’s guest is helping people save their nest eggs by uncovering and proving financial infidelity.  Welcome back to another episode of the BiggerPockets Money podcast! Today, we’re joined by Tracy Coenen, a veteran forensic accountant who investigates fraud, hidden money, and other money “shenanigans” in marriages. Most often, Tracy helps spouses navigate finances during a divorce when emotions are already running high and both parties feel overwhelmed.  Whether you need help unearthing hidden money or getting on the same page with your spouse, this episode is loaded with all kinds of helpful tips, tricks, and resources that will help you get a better handle on your finances. Join Tracy, Mindy, and guest host, Amanda Wolfe, as they discuss the biggest financial “red flags” in a marriage, things to include in a prenuptial agreement, and why the weekly money check-in is so important!    In This Episode We Cover  What to do if you suspect financial infidelity in your marriage  The “fraud snowball” and how to stop it in its tracks  How to uncover hidden money, secret accounts, and secret spending  Why you NEED to form the habit of discussing finances with your spouse  The importance of prenuptial agreements (and what you should include!)  Tips and resources to help you keep a closer eye on your finances  And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Scott's Instagram  Amanda's Instagram  Amanda's Website  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Listen to The Real Estate InvestHER Show  Join The Real Estate InvestHER Community on Facebook  Money Moment  Why You’re (Probably) Wrong About Prenups  Money Dates, Prenups, & Combining Finances  Visit Tracy’s Website for More Helpful Resources    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-439     Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email us: moneymoment@biggerpockets.com]]></description>
	<itunes:subtitle><![CDATA[What should you do if you suspect financial infidelity from a partner? Money is a taboo subject in many marriages, and it doesn’t help that some spouses take a hands-off approach to personal finance. As you might imagine, this can quickly lead to one par]]></itunes:subtitle>
	<content:encoded><![CDATA[What should you do if you suspect financial infidelity from a partner? Money is a taboo subject in many marriages, and it doesn’t help that some spouses take a hands-off approach to personal finance. As you might imagine, this can quickly lead to one partner taking advantage of the other. Today’s guest is helping people save their nest eggs by uncovering and proving financial infidelity.  Welcome back to another episode of the BiggerPockets Money podcast! Today, we’re joined by Tracy Coenen, a veteran forensic accountant who investigates fraud, hidden money, and other money “shenanigans” in marriages. Most often, Tracy helps spouses navigate finances during a divorce when emotions are already running high and both parties feel overwhelmed.  Whether you need help unearthing hidden money or getting on the same page with your spouse, this episode is loaded with all kinds of helpful tips, tricks, and resources that will help you get a better handle on your finances. Join Tracy, Mindy, and guest host, Amanda Wolfe, as they discuss the biggest financial “red flags” in a marriage, things to include in a prenuptial agreement, and why the weekly money check-in is so important!    In This Episode We Cover  What to do if you suspect financial infidelity in your marriage  The “fraud snowball” and how to stop it in its tracks  How to uncover hidden money, secret accounts, and secret spending  Why you NEED to form the habit of discussing finances with your spouse  The importance of prenuptial agreements (and what you should include!)  Tips and resources to help you keep a closer eye on your finances  And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Scott's Instagram  Amanda's Instagram  Amanda's Website  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Listen to The Real Estate InvestHER Show  Join The Real Estate InvestHER Community on Facebook  Money Moment  Why You’re (Probably) Wrong About Prenups  Money Dates, Prenups, & Combining Finances  Visit Tracy’s Website for More Helpful Resources    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-439     Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email us: moneymoment@biggerpockets.com]]></content:encoded>
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	<itunes:summary><![CDATA[What should you do if you suspect financial infidelity from a partner? Money is a taboo subject in many marriages, and it doesn’t help that some spouses take a hands-off approach to personal finance. As you might imagine, this can quickly lead to one partner taking advantage of the other. Today’s guest is helping people save their nest eggs by uncovering and proving financial infidelity.  Welcome back to another episode of the BiggerPockets Money podcast! Today, we’re joined by Tracy Coenen, a veteran forensic accountant who investigates fraud, hidden money, and other money “shenanigans” in marriages. Most often, Tracy helps spouses navigate finances during a divorce when emotions are already running high and both parties feel overwhelmed.  Whether you need help unearthing hidden money or getting on the same page with your spouse, this episode is loaded with all kinds of helpful tips, tricks, and resources that will help you get a better handle on your finances. Join Tracy, Mindy, and guest host, Amanda Wolfe, as they discuss the biggest financial “red flags” in a marriage, things to include in a prenuptial agreement, and why the weekly money check-in is so important!    In This Episode We Cover  What to do if you suspect financial infidelity in your marriage  The “fraud snowball” and how to stop it in its tracks  How to uncover hidden money, secret accounts, and secret spending  Why you NEED to form the habit of discussing finances with your spouse  The importance of prenuptial agreements (and what you should include!)  Tips and resources to help you keep a closer eye on your finances  And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Scott's Instagram  Amanda's Instagram  Amanda's Website  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Listen to The Real Estate InvestHER Show  Join The Real Estate InvestHER Community on Facebook  Money Moment  Why You’re (Probably) Wrong About Prenups  Money Dates, Prenups, & Combining Finances  Visit Tracy’s Website for More Helpful Resources    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-439     Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email us: moneymoment@biggerpockets.com]]></itunes:summary>
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	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[What should you do if you suspect financial infidelity from a partner? Money is a taboo subject in many marriages, and it doesn’t help that some spouses take a hands-off approach to personal finance. As you might imagine, this can quickly lead to one partner taking advantage of the other. Today’s guest is helping people save their nest eggs by uncovering and proving financial infidelity.  Welcome back to another episode of the BiggerPockets Money podcast! Today, we’re joined by Tracy Coenen, a veteran forensic accountant who investigates fraud, hidden money, and other money “shenanigans” in marriages. Most often, Tracy helps spouses navigate finances during a divorce when emotions are already running high and both parties feel overwhelmed.  Whether you need help unearthing hidden money or getting on the same page with your spouse, this episode is loaded with all kinds of helpful tips, tricks, and resources that will help you get a better handle on your finances. Join Tracy, Mindy, and]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
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<item>
	<title>438: The Beginner’s Guide to Investing (Start with Just $100!)</title>
	<link>https://biggerpocketsmoney.com/podcast/438-the-beginners-guide-to-investing-start-with-just-100/</link>
	<pubDate>Fri, 04 Aug 2023 06:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">9a3f198e-bed0-11ed-beb9-a3c4dde7d698</guid>
	<description><![CDATA[Only have $100 – $5,000 but want to know how to invest it wisely? No amount is too small to start building smart money habits today. While some asset classes may not be viable for you just yet, there are still all kinds of ways to invest with a modest amount of money. Making the most of what you have now can set you up for a bright financial future.  In this episode of the BiggerPockets Money podcast, Scott and Mindy have brought in reinforcements to discuss the best ways for beginners to invest a small amount of money—whether it’s $5,000 or as little as $100. With four unique perspectives on investing, you’ll find that there are several ways to make your money work harder for you. There is one common message, however: educate yourself and take action!  Not everyone has a large nest egg to throw around. In fact, most Americans live paycheck to paycheck. If you don’t have much money to spare, this is the episode for you. You’ll learn about the investing order of operations, different types of retirement accounts and how they work, and ways to purchase real estate with no money down!    In This Episode We Cover  The best ways to invest with $100, $500, $1,000, $2,500, or $5,000  How to buy real estate with ZERO money down  Different types of retirement accounts to add to your portfolio  Maximizing your 401(k) contributions for a HUGE return on investment  Leveraging debt to fast-track your investing journey  And So Much More!  Links from the Show  BiggerPockets Money Facebook Group  BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Scott's Instagram  Amanda's Instagram  Grab Scott’s Book, “Set for Life”  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Listen to The Real Estate InvestHER Show  Join The Real Estate InvestHER Community on Facebook  Money Moment  Scott Trench’s Step-by-Step Guide to Building Your Perfect, 1-Page Investment Plan  Check Your USDA Loan Eligibility    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-438     Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email us: moneymoment@biggerpockets.com]]></description>
	<itunes:subtitle><![CDATA[Only have $100 – $5,000 but want to know how to invest it wisely? No amount is too small to start building smart money habits today. While some asset classes may not be viable for you just yet, there are still all kinds of ways to invest with a modest am]]></itunes:subtitle>
	<content:encoded><![CDATA[Only have $100 – $5,000 but want to know how to invest it wisely? No amount is too small to start building smart money habits today. While some asset classes may not be viable for you just yet, there are still all kinds of ways to invest with a modest amount of money. Making the most of what you have now can set you up for a bright financial future.  In this episode of the BiggerPockets Money podcast, Scott and Mindy have brought in reinforcements to discuss the best ways for beginners to invest a small amount of money—whether it’s $5,000 or as little as $100. With four unique perspectives on investing, you’ll find that there are several ways to make your money work harder for you. There is one common message, however: educate yourself and take action!  Not everyone has a large nest egg to throw around. In fact, most Americans live paycheck to paycheck. If you don’t have much money to spare, this is the episode for you. You’ll learn about the investing order of operations, different types of retirement accounts and how they work, and ways to purchase real estate with no money down!    In This Episode We Cover  The best ways to invest with $100, $500, $1,000, $2,500, or $5,000  How to buy real estate with ZERO money down  Different types of retirement accounts to add to your portfolio  Maximizing your 401(k) contributions for a HUGE return on investment  Leveraging debt to fast-track your investing journey  And So Much More!  Links from the Show  BiggerPockets Money Facebook Group  BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Scott's Instagram  Amanda's Instagram  Grab Scott’s Book, “Set for Life”  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Listen to The Real Estate InvestHER Show  Join The Real Estate InvestHER Community on Facebook  Money Moment  Scott Trench’s Step-by-Step Guide to Building Your Perfect, 1-Page Investment Plan  Check Your USDA Loan Eligibility    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-438     Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email us: moneymoment@biggerpockets.com]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC5791538455.mp3" length="33709858" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[Only have $100 – $5,000 but want to know how to invest it wisely? No amount is too small to start building smart money habits today. While some asset classes may not be viable for you just yet, there are still all kinds of ways to invest with a modest amount of money. Making the most of what you have now can set you up for a bright financial future.  In this episode of the BiggerPockets Money podcast, Scott and Mindy have brought in reinforcements to discuss the best ways for beginners to invest a small amount of money—whether it’s $5,000 or as little as $100. With four unique perspectives on investing, you’ll find that there are several ways to make your money work harder for you. There is one common message, however: educate yourself and take action!  Not everyone has a large nest egg to throw around. In fact, most Americans live paycheck to paycheck. If you don’t have much money to spare, this is the episode for you. You’ll learn about the investing order of operations, different types of retirement accounts and how they work, and ways to purchase real estate with no money down!    In This Episode We Cover  The best ways to invest with $100, $500, $1,000, $2,500, or $5,000  How to buy real estate with ZERO money down  Different types of retirement accounts to add to your portfolio  Maximizing your 401(k) contributions for a HUGE return on investment  Leveraging debt to fast-track your investing journey  And So Much More!  Links from the Show  BiggerPockets Money Facebook Group  BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Scott's Instagram  Amanda's Instagram  Grab Scott’s Book, “Set for Life”  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Listen to The Real Estate InvestHER Show  Join The Real Estate InvestHER Community on Facebook  Money Moment  Scott Trench’s Step-by-Step Guide to Building Your Perfect, 1-Page Investment Plan  Check Your USDA Loan Eligibility    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-438     Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email us: moneymoment@biggerpockets.com]]></itunes:summary>
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	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[Only have $100 – $5,000 but want to know how to invest it wisely? No amount is too small to start building smart money habits today. While some asset classes may not be viable for you just yet, there are still all kinds of ways to invest with a modest amount of money. Making the most of what you have now can set you up for a bright financial future.  In this episode of the BiggerPockets Money podcast, Scott and Mindy have brought in reinforcements to discuss the best ways for beginners to invest a small amount of money—whether it’s $5,000 or as little as $100. With four unique perspectives on investing, you’ll find that there are several ways to make your money work harder for you. There is one common message, however: educate yourself and take action!  Not everyone has a large nest egg to throw around. In fact, most Americans live paycheck to paycheck. If you don’t have much money to spare, this is the episode for you. You’ll learn about the investing order of operations, different t]]></googleplay:description>
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<item>
	<title>437: Wedding Costs Are WILD: Is Your Dream Day Worth Going Into Debt?</title>
	<link>https://biggerpocketsmoney.com/podcast/437-wedding-costs-are-wild-is-your-dream-day-worth-going-into-debt/</link>
	<pubDate>Wed, 02 Aug 2023 06:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">68bff0a6-30d4-11ee-8162-a3af794a5f45</guid>
	<description><![CDATA[Wedding costs have been slowly growing over the past few decades. But recently, after a wild 2020, 2021, and 2022 wedding season, the average wedding cost has hit heights that most Americans simply can’t afford. But what can you do? Cancel your wedding and go straight to the courthouse? While this isn’t a bad option for some, most couples tying the knot want something their friends and family will remember for years. So, here’s how to do it on a budget!  We brought expert event planner and fundraiser AJ Williams on the show to go over what’s worth it, what’s not, and what couples should spend the MOST money on when planning their special day. Whether you’re getting married at home, stateside, or abroad, there are a few specific expenses of a wedding that you should never skip out on and some that could put you in a tough financial bind. With flowers, DJs, photography, and catering, which deserves a spot in your ceremony?  AJ will also go over how much a wedding costs on average, what the elite pay for their ceremonies and parties (you won’t believe the number), and the top wedding myths that could cost you.     In This Episode We Cover  The average wedding cost in America and why prices have recently been rising  What to cut and what to keep during your wedding day  Budgeting for your wedding and how much of a buffer you REALLY need  Common wedding cost myths and tips to save you THOUSANDS   Non-negotiables when planning your wedding and what is worth paying extra for   And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Scott's Instagram  Amanda's Instagram  Grab Scott’s Book, “Set for Life”  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Listen to The Real Estate InvestHER Show  Join The Real Estate InvestHER Community on Facebook  Register for an Upcoming InvestHER Event  Money Moment  How to Financially Thrive in Marriage (Even if You or Your Partner is In Debt!  AJ's Website    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-437     Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email us: moneymoment@biggerpockets.com]]></description>
	<itunes:subtitle><![CDATA[Wedding costs have been slowly growing over the past few decades. But recently, after a wild 2020, 2021, and 2022 wedding season, the average wedding cost has hit heights that most Americans simply can’t afford. But what can you do? Cancel your wedding a]]></itunes:subtitle>
	<content:encoded><![CDATA[Wedding costs have been slowly growing over the past few decades. But recently, after a wild 2020, 2021, and 2022 wedding season, the average wedding cost has hit heights that most Americans simply can’t afford. But what can you do? Cancel your wedding and go straight to the courthouse? While this isn’t a bad option for some, most couples tying the knot want something their friends and family will remember for years. So, here’s how to do it on a budget!  We brought expert event planner and fundraiser AJ Williams on the show to go over what’s worth it, what’s not, and what couples should spend the MOST money on when planning their special day. Whether you’re getting married at home, stateside, or abroad, there are a few specific expenses of a wedding that you should never skip out on and some that could put you in a tough financial bind. With flowers, DJs, photography, and catering, which deserves a spot in your ceremony?  AJ will also go over how much a wedding costs on average, what the elite pay for their ceremonies and parties (you won’t believe the number), and the top wedding myths that could cost you.     In This Episode We Cover  The average wedding cost in America and why prices have recently been rising  What to cut and what to keep during your wedding day  Budgeting for your wedding and how much of a buffer you REALLY need  Common wedding cost myths and tips to save you THOUSANDS   Non-negotiables when planning your wedding and what is worth paying extra for   And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Scott's Instagram  Amanda's Instagram  Grab Scott’s Book, “Set for Life”  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Listen to The Real Estate InvestHER Show  Join The Real Estate InvestHER Community on Facebook  Register for an Upcoming InvestHER Event  Money Moment  How to Financially Thrive in Marriage (Even if You or Your Partner is In Debt!  AJ's Website    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-437     Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email us: moneymoment@biggerpockets.com]]></content:encoded>
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	<itunes:summary><![CDATA[Wedding costs have been slowly growing over the past few decades. But recently, after a wild 2020, 2021, and 2022 wedding season, the average wedding cost has hit heights that most Americans simply can’t afford. But what can you do? Cancel your wedding and go straight to the courthouse? While this isn’t a bad option for some, most couples tying the knot want something their friends and family will remember for years. So, here’s how to do it on a budget!  We brought expert event planner and fundraiser AJ Williams on the show to go over what’s worth it, what’s not, and what couples should spend the MOST money on when planning their special day. Whether you’re getting married at home, stateside, or abroad, there are a few specific expenses of a wedding that you should never skip out on and some that could put you in a tough financial bind. With flowers, DJs, photography, and catering, which deserves a spot in your ceremony?  AJ will also go over how much a wedding costs on average, what the elite pay for their ceremonies and parties (you won’t believe the number), and the top wedding myths that could cost you.     In This Episode We Cover  The average wedding cost in America and why prices have recently been rising  What to cut and what to keep during your wedding day  Budgeting for your wedding and how much of a buffer you REALLY need  Common wedding cost myths and tips to save you THOUSANDS   Non-negotiables when planning your wedding and what is worth paying extra for   And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Scott's Instagram  Amanda's Instagram  Grab Scott’s Book, “Set for Life”  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Listen to The Real Estate InvestHER Show  Join The Real Estate InvestHER Community on Facebook  Register for an Upcoming InvestHER Event  Money Moment  How to Financially Thrive in Marriage (Even if You or Your Partner is In Debt!  AJ's Website    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-437     Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email us: moneymoment@biggerpockets.com]]></itunes:summary>
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	<itunes:block>no</itunes:block>
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	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[Wedding costs have been slowly growing over the past few decades. But recently, after a wild 2020, 2021, and 2022 wedding season, the average wedding cost has hit heights that most Americans simply can’t afford. But what can you do? Cancel your wedding and go straight to the courthouse? While this isn’t a bad option for some, most couples tying the knot want something their friends and family will remember for years. So, here’s how to do it on a budget!  We brought expert event planner and fundraiser AJ Williams on the show to go over what’s worth it, what’s not, and what couples should spend the MOST money on when planning their special day. Whether you’re getting married at home, stateside, or abroad, there are a few specific expenses of a wedding that you should never skip out on and some that could put you in a tough financial bind. With flowers, DJs, photography, and catering, which deserves a spot in your ceremony?  AJ will also go over how much a wedding costs on average, what ]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
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<item>
	<title>436: How to Get Rich Slowly and Retire Earlier Than Most with a Modest Portfolio</title>
	<link>https://biggerpocketsmoney.com/podcast/436-how-to-get-rich-slowly-and-retire-earlier-than-most-with-a-modest-portfolio/</link>
	<pubDate>Mon, 31 Jul 2023 06:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">9a29e9d8-bed0-11ed-beb9-bb7644cecfe4</guid>
	<description><![CDATA[“Get rich slowly” is a concept that most people in the FIRE community can get behind. “Time off,” on the other hand, seems to go against the idea of grinding to financial independence now and waiting until later in life to enjoy the spoils. Today’s guest is bucking this trend—using his financial freedom to support a “retired” lifestyle that includes traveling the world, discovering new hobbies, and learning new skills!  Welcome back to the BiggerPockets Money podcast! Today, we’re speaking with J.D. Roth, founder of the personal finance blog, Get Rich Slowly. Initially launched to document his quest out of debt, this popular blog helped J.D. fast-track his journey toward financial independence. He now considers himself “retired,” although the more risk-averse person might say it’s a little too soon.  If you’ve ever considered taking some time away from work but fear you don’t have the nest egg to support it, this is the episode you need to hear! J.D. tackles a handful of issues that FI-focused individuals don’t always touch on—including the importance of mental health and using a “mini” retirement to decompress. He also talks about why he’s not worried about his modest portfolio and shares the three five-year plans you need to prepare for any curveball life might throw in your direction!    In This Episode We Cover  How to implement a “mini” retirement on your journey to FIRE  Prioritizing your mental health in a fast-paced, work-first culture  How to take time off from work without blowing your nest egg  A day in the life of someone who is taking a year off from working  Important tips for saving more money and retiring even earlier  And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Mindy on BiggerPockets  Scott's Instagram  Grab Scott’s Book, “Set for Life”  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Listen to The Real Estate InvestHER Show  Join The Real Estate InvestHER Community on Facebook  Register for an Upcoming InvestHER Event  Money Moment  Finance Friday: How Sabbaticals Make You Happier, Healthier, and Wealthier    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-436     Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email us: moneymoment@biggerpockets.com]]></description>
	<itunes:subtitle><![CDATA[“Get rich slowly” is a concept that most people in the FIRE community can get behind. “Time off,” on the other hand, seems to go against the idea of grinding to financial independence now and waiting until later in life to enjoy the spoils. Today’s guest]]></itunes:subtitle>
	<content:encoded><![CDATA[“Get rich slowly” is a concept that most people in the FIRE community can get behind. “Time off,” on the other hand, seems to go against the idea of grinding to financial independence now and waiting until later in life to enjoy the spoils. Today’s guest is bucking this trend—using his financial freedom to support a “retired” lifestyle that includes traveling the world, discovering new hobbies, and learning new skills!  Welcome back to the BiggerPockets Money podcast! Today, we’re speaking with J.D. Roth, founder of the personal finance blog, Get Rich Slowly. Initially launched to document his quest out of debt, this popular blog helped J.D. fast-track his journey toward financial independence. He now considers himself “retired,” although the more risk-averse person might say it’s a little too soon.  If you’ve ever considered taking some time away from work but fear you don’t have the nest egg to support it, this is the episode you need to hear! J.D. tackles a handful of issues that FI-focused individuals don’t always touch on—including the importance of mental health and using a “mini” retirement to decompress. He also talks about why he’s not worried about his modest portfolio and shares the three five-year plans you need to prepare for any curveball life might throw in your direction!    In This Episode We Cover  How to implement a “mini” retirement on your journey to FIRE  Prioritizing your mental health in a fast-paced, work-first culture  How to take time off from work without blowing your nest egg  A day in the life of someone who is taking a year off from working  Important tips for saving more money and retiring even earlier  And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Mindy on BiggerPockets  Scott's Instagram  Grab Scott’s Book, “Set for Life”  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Listen to The Real Estate InvestHER Show  Join The Real Estate InvestHER Community on Facebook  Register for an Upcoming InvestHER Event  Money Moment  Finance Friday: How Sabbaticals Make You Happier, Healthier, and Wealthier    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-436     Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email us: moneymoment@biggerpockets.com]]></content:encoded>
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	<itunes:summary><![CDATA[“Get rich slowly” is a concept that most people in the FIRE community can get behind. “Time off,” on the other hand, seems to go against the idea of grinding to financial independence now and waiting until later in life to enjoy the spoils. Today’s guest is bucking this trend—using his financial freedom to support a “retired” lifestyle that includes traveling the world, discovering new hobbies, and learning new skills!  Welcome back to the BiggerPockets Money podcast! Today, we’re speaking with J.D. Roth, founder of the personal finance blog, Get Rich Slowly. Initially launched to document his quest out of debt, this popular blog helped J.D. fast-track his journey toward financial independence. He now considers himself “retired,” although the more risk-averse person might say it’s a little too soon.  If you’ve ever considered taking some time away from work but fear you don’t have the nest egg to support it, this is the episode you need to hear! J.D. tackles a handful of issues that FI-focused individuals don’t always touch on—including the importance of mental health and using a “mini” retirement to decompress. He also talks about why he’s not worried about his modest portfolio and shares the three five-year plans you need to prepare for any curveball life might throw in your direction!    In This Episode We Cover  How to implement a “mini” retirement on your journey to FIRE  Prioritizing your mental health in a fast-paced, work-first culture  How to take time off from work without blowing your nest egg  A day in the life of someone who is taking a year off from working  Important tips for saving more money and retiring even earlier  And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Mindy on BiggerPockets  Scott's Instagram  Grab Scott’s Book, “Set for Life”  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Listen to The Real Estate InvestHER Show  Join The Real Estate InvestHER Community on Facebook  Register for an Upcoming InvestHER Event  Money Moment  Finance Friday: How Sabbaticals Make You Happier, Healthier, and Wealthier    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-436     Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email us: moneymoment@biggerpockets.com]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[“Get rich slowly” is a concept that most people in the FIRE community can get behind. “Time off,” on the other hand, seems to go against the idea of grinding to financial independence now and waiting until later in life to enjoy the spoils. Today’s guest is bucking this trend—using his financial freedom to support a “retired” lifestyle that includes traveling the world, discovering new hobbies, and learning new skills!  Welcome back to the BiggerPockets Money podcast! Today, we’re speaking with J.D. Roth, founder of the personal finance blog, Get Rich Slowly. Initially launched to document his quest out of debt, this popular blog helped J.D. fast-track his journey toward financial independence. He now considers himself “retired,” although the more risk-averse person might say it’s a little too soon.  If you’ve ever considered taking some time away from work but fear you don’t have the nest egg to support it, this is the episode you need to hear! J.D. tackles a handful of issues that F]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
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<item>
	<title>435: Ask Mindy and Scott: Early Retirement, Asking for a Raise, and Stolen Money</title>
	<link>https://biggerpocketsmoney.com/podcast/435-ask-mindy-and-scott-early-retirement-asking-for-a-raise-and-stolen-money/</link>
	<pubDate>Fri, 28 Jul 2023 06:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">1946a8ee-2ce7-11ee-a806-8b73a38f0b97</guid>
	<description><![CDATA[Is early retirement healthcare crushing your budget? Are you tired of getting your standard two percent raise every year? What do you do when a “friend” borrows money and never pays you back? Some personal finance questions aren’t easily answered online. Instead, you need time-tested money experts to give their takes on the best moves to make. And in today’s episode, Mindy and Scott will do just that, taking questions from BiggerPockets Money listeners and answering them so you can reach financial freedom faster.  This time, we’ve got a couple of uncomfortable positions you probably wouldn’t want to be in. One listener has a friend who asked for a loan and then almost immediately stopped paying, with the “friend” never to be seen again. Another question concerns a parent wanting to be paid back for student loans they took out in their name. Mindy and Scott then share a creative way to pay off credit card debt and give options on the BEST place to find post-retirement (but pre-sixty-five years old) healthcare. Finally, Scott puts on his CEO hat and shows you exactly how to ask for a raise!  Got a money question you want to ask Mindy and Scott? Head over to the BiggerPockets Money Facebook group, or click here to submit your question on our next Q&A episode!    In This Episode We Cover  What to do when someone owes you money (and WON’T pay it back)  Student debt and whether or not you’re responsible for the loans your parents took out  Early retirement health insurance and how to find affordable coverage before Medicare kicks in  Knowing your market value and what to do when your employer can’t pay you more  How to ask for a raise and the easiest way to identify whether you’re “essential” or not  Creative ways to pay off your credit card debt when interest rates are high  And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Scott's Instagram  Grab Scott’s Book, “Set for Life”  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Listen to The Real Estate InvestHER Show  Join The Real Estate InvestHER Community on Facebook  Register for an Upcoming InvestHER Event  Money Moment  Millennial Revolution Part 1  Millennial Revolution Part 2  Erin Lowry on Asking for a Raise  18 Options for Healthcare in Early Retirement with Lynn Frair  How to Ask for a Raise (and Actually Get It!) w/Kassandra Dasent  Submit your question for our next Q&A episode    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-435     Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email us: moneymoment@biggerpockets.com]]></description>
	<itunes:subtitle><![CDATA[Is early retirement healthcare crushing your budget? Are you tired of getting your standard two percent raise every year? What do you do when a “friend” borrows money and never pays you back? Some personal finance questions aren’t easily answered online.]]></itunes:subtitle>
	<content:encoded><![CDATA[Is early retirement healthcare crushing your budget? Are you tired of getting your standard two percent raise every year? What do you do when a “friend” borrows money and never pays you back? Some personal finance questions aren’t easily answered online. Instead, you need time-tested money experts to give their takes on the best moves to make. And in today’s episode, Mindy and Scott will do just that, taking questions from BiggerPockets Money listeners and answering them so you can reach financial freedom faster.  This time, we’ve got a couple of uncomfortable positions you probably wouldn’t want to be in. One listener has a friend who asked for a loan and then almost immediately stopped paying, with the “friend” never to be seen again. Another question concerns a parent wanting to be paid back for student loans they took out in their name. Mindy and Scott then share a creative way to pay off credit card debt and give options on the BEST place to find post-retirement (but pre-sixty-five years old) healthcare. Finally, Scott puts on his CEO hat and shows you exactly how to ask for a raise!  Got a money question you want to ask Mindy and Scott? Head over to the BiggerPockets Money Facebook group, or click here to submit your question on our next Q&A episode!    In This Episode We Cover  What to do when someone owes you money (and WON’T pay it back)  Student debt and whether or not you’re responsible for the loans your parents took out  Early retirement health insurance and how to find affordable coverage before Medicare kicks in  Knowing your market value and what to do when your employer can’t pay you more  How to ask for a raise and the easiest way to identify whether you’re “essential” or not  Creative ways to pay off your credit card debt when interest rates are high  And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Scott's Instagram  Grab Scott’s Book, “Set for Life”  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Listen to The Real Estate InvestHER Show  Join The Real Estate InvestHER Community on Facebook  Register for an Upcoming InvestHER Event  Money Moment  Millennial Revolution Part 1  Millennial Revolution Part 2  Erin Lowry on Asking for a Raise  18 Options for Healthcare in Early Retirement with Lynn Frair  How to Ask for a Raise (and Actually Get It!) w/Kassandra Dasent  Submit your question for our next Q&A episode    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-435     Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email us: moneymoment@biggerpockets.com]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC1122398948.mp3" length="29239097" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[Is early retirement healthcare crushing your budget? Are you tired of getting your standard two percent raise every year? What do you do when a “friend” borrows money and never pays you back? Some personal finance questions aren’t easily answered online. Instead, you need time-tested money experts to give their takes on the best moves to make. And in today’s episode, Mindy and Scott will do just that, taking questions from BiggerPockets Money listeners and answering them so you can reach financial freedom faster.  This time, we’ve got a couple of uncomfortable positions you probably wouldn’t want to be in. One listener has a friend who asked for a loan and then almost immediately stopped paying, with the “friend” never to be seen again. Another question concerns a parent wanting to be paid back for student loans they took out in their name. Mindy and Scott then share a creative way to pay off credit card debt and give options on the BEST place to find post-retirement (but pre-sixty-five years old) healthcare. Finally, Scott puts on his CEO hat and shows you exactly how to ask for a raise!  Got a money question you want to ask Mindy and Scott? Head over to the BiggerPockets Money Facebook group, or click here to submit your question on our next Q&A episode!    In This Episode We Cover  What to do when someone owes you money (and WON’T pay it back)  Student debt and whether or not you’re responsible for the loans your parents took out  Early retirement health insurance and how to find affordable coverage before Medicare kicks in  Knowing your market value and what to do when your employer can’t pay you more  How to ask for a raise and the easiest way to identify whether you’re “essential” or not  Creative ways to pay off your credit card debt when interest rates are high  And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Scott's Instagram  Grab Scott’s Book, “Set for Life”  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Listen to The Real Estate InvestHER Show  Join The Real Estate InvestHER Community on Facebook  Register for an Upcoming InvestHER Event  Money Moment  Millennial Revolution Part 1  Millennial Revolution Part 2  Erin Lowry on Asking for a Raise  18 Options for Healthcare in Early Retirement with Lynn Frair  How to Ask for a Raise (and Actually Get It!) w/Kassandra Dasent  Submit your question for our next Q&A episode    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-435     Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email us: moneymoment@biggerpockets.com]]></itunes:summary>
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	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[Is early retirement healthcare crushing your budget? Are you tired of getting your standard two percent raise every year? What do you do when a “friend” borrows money and never pays you back? Some personal finance questions aren’t easily answered online. Instead, you need time-tested money experts to give their takes on the best moves to make. And in today’s episode, Mindy and Scott will do just that, taking questions from BiggerPockets Money listeners and answering them so you can reach financial freedom faster.  This time, we’ve got a couple of uncomfortable positions you probably wouldn’t want to be in. One listener has a friend who asked for a loan and then almost immediately stopped paying, with the “friend” never to be seen again. Another question concerns a parent wanting to be paid back for student loans they took out in their name. Mindy and Scott then share a creative way to pay off credit card debt and give options on the BEST place to find post-retirement (but pre-sixty-fi]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
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<item>
	<title>433: Ramit Sethi Revisited: Spend Like Your Life Depends on It</title>
	<link>https://biggerpocketsmoney.com/podcast/433-ramit-sethi-revisited-spend-like-your-life-depends-on-it/</link>
	<pubDate>Mon, 24 Jul 2023 06:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
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	<description><![CDATA[The last time Ramit Sethi was on the show, tears were shed, money fears were exposed, and Mindy was forced to take a hard look at her financial habits. Now, Ramit is back, as we revisit some of the critical moments of Mindy and her husband Carl’s interview on Ramit’s show, I Will Teach You To Be Rich. In this episode, Mindy challenges the FIRE frugality she’s been stuck on for so long and discovers why more money isn’t always a good thing.  If you’ve ever had a money struggle, whether too much or too little in the bank, Ramit is who you should listen to. His advice goes far beyond the regular “save more than you spend, invest the rest” type of advice you constantly hear from frugal podcasters. Instead, Ramit wants you to maximize your happiness and make the most out of life while not struggling to survive. In short, Ramit wants you to live a rich life, not a frugal one.  If you struggle to spend, pinch pennies, or are dead set on reaching FIRE as fast as possible, this episode is for you.Carl, Mindy, and Scott will go over the common misconceptions about money, debunk the “wasteful” spending myth, explain why you should die with zero, and critique the flaws of the FIRE community.    In This Episode We Cover  Why the FIRE movement is wrong and getting rich should NOT be the goal  What to do when you have lots of money but no time to spend it  How to “Die With Zero” and enjoy your wealth while you’re still here  The “what if I run out” fear and how to get over the dread of overspending   Testing your spending and why you NEED to book that trip you’ve been thinking of  Building a rich life and how to make the most of it with the money you have  And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Mindy on BiggerPockets  Scott's Instagram  Grab Scott’s Book, “Set for Life”  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Listen to The Real Estate InvestHER Show  Join The Real Estate InvestHER Community on Facebook  Register for an Upcoming InvestHER Event  Money Moment  Mile High FI Podcast  1,500 Days to Freedom  Carl's Email  Ramit Sethi’s Money Advice for Couples: Live a Rich Life, Together  Mr. Money Mustache on Life After FI: The Truth About Retiring Early in Your 30s  Hear Mindy and Carl on “I Will Teach You To Be Rich”  My Death March to Financial Independence    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-433     Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email us: moneymoment@biggerpockets.com]]></description>
	<itunes:subtitle><![CDATA[The last time Ramit Sethi was on the show, tears were shed, money fears were exposed, and Mindy was forced to take a hard look at her financial habits. Now, Ramit is back, as we revisit some of the critical moments of Mindy and her husband Carl’s intervi]]></itunes:subtitle>
	<content:encoded><![CDATA[The last time Ramit Sethi was on the show, tears were shed, money fears were exposed, and Mindy was forced to take a hard look at her financial habits. Now, Ramit is back, as we revisit some of the critical moments of Mindy and her husband Carl’s interview on Ramit’s show, I Will Teach You To Be Rich. In this episode, Mindy challenges the FIRE frugality she’s been stuck on for so long and discovers why more money isn’t always a good thing.  If you’ve ever had a money struggle, whether too much or too little in the bank, Ramit is who you should listen to. His advice goes far beyond the regular “save more than you spend, invest the rest” type of advice you constantly hear from frugal podcasters. Instead, Ramit wants you to maximize your happiness and make the most out of life while not struggling to survive. In short, Ramit wants you to live a rich life, not a frugal one.  If you struggle to spend, pinch pennies, or are dead set on reaching FIRE as fast as possible, this episode is for you.Carl, Mindy, and Scott will go over the common misconceptions about money, debunk the “wasteful” spending myth, explain why you should die with zero, and critique the flaws of the FIRE community.    In This Episode We Cover  Why the FIRE movement is wrong and getting rich should NOT be the goal  What to do when you have lots of money but no time to spend it  How to “Die With Zero” and enjoy your wealth while you’re still here  The “what if I run out” fear and how to get over the dread of overspending   Testing your spending and why you NEED to book that trip you’ve been thinking of  Building a rich life and how to make the most of it with the money you have  And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Mindy on BiggerPockets  Scott's Instagram  Grab Scott’s Book, “Set for Life”  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Listen to The Real Estate InvestHER Show  Join The Real Estate InvestHER Community on Facebook  Register for an Upcoming InvestHER Event  Money Moment  Mile High FI Podcast  1,500 Days to Freedom  Carl's Email  Ramit Sethi’s Money Advice for Couples: Live a Rich Life, Together  Mr. Money Mustache on Life After FI: The Truth About Retiring Early in Your 30s  Hear Mindy and Carl on “I Will Teach You To Be Rich”  My Death March to Financial Independence    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-433     Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email us: moneymoment@biggerpockets.com]]></content:encoded>
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	<itunes:summary><![CDATA[The last time Ramit Sethi was on the show, tears were shed, money fears were exposed, and Mindy was forced to take a hard look at her financial habits. Now, Ramit is back, as we revisit some of the critical moments of Mindy and her husband Carl’s interview on Ramit’s show, I Will Teach You To Be Rich. In this episode, Mindy challenges the FIRE frugality she’s been stuck on for so long and discovers why more money isn’t always a good thing.  If you’ve ever had a money struggle, whether too much or too little in the bank, Ramit is who you should listen to. His advice goes far beyond the regular “save more than you spend, invest the rest” type of advice you constantly hear from frugal podcasters. Instead, Ramit wants you to maximize your happiness and make the most out of life while not struggling to survive. In short, Ramit wants you to live a rich life, not a frugal one.  If you struggle to spend, pinch pennies, or are dead set on reaching FIRE as fast as possible, this episode is for you.Carl, Mindy, and Scott will go over the common misconceptions about money, debunk the “wasteful” spending myth, explain why you should die with zero, and critique the flaws of the FIRE community.    In This Episode We Cover  Why the FIRE movement is wrong and getting rich should NOT be the goal  What to do when you have lots of money but no time to spend it  How to “Die With Zero” and enjoy your wealth while you’re still here  The “what if I run out” fear and how to get over the dread of overspending   Testing your spending and why you NEED to book that trip you’ve been thinking of  Building a rich life and how to make the most of it with the money you have  And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Mindy on BiggerPockets  Scott's Instagram  Grab Scott’s Book, “Set for Life”  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Listen to The Real Estate InvestHER Show  Join The Real Estate InvestHER Community on Facebook  Register for an Upcoming InvestHER Event  Money Moment  Mile High FI Podcast  1,500 Days to Freedom  Carl's Email  Ramit Sethi’s Money Advice for Couples: Live a Rich Life, Together  Mr. Money Mustache on Life After FI: The Truth About Retiring Early in Your 30s  Hear Mindy and Carl on “I Will Teach You To Be Rich”  My Death March to Financial Independence    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-433     Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email us: moneymoment@biggerpockets.com]]></itunes:summary>
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	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[The last time Ramit Sethi was on the show, tears were shed, money fears were exposed, and Mindy was forced to take a hard look at her financial habits. Now, Ramit is back, as we revisit some of the critical moments of Mindy and her husband Carl’s interview on Ramit’s show, I Will Teach You To Be Rich. In this episode, Mindy challenges the FIRE frugality she’s been stuck on for so long and discovers why more money isn’t always a good thing.  If you’ve ever had a money struggle, whether too much or too little in the bank, Ramit is who you should listen to. His advice goes far beyond the regular “save more than you spend, invest the rest” type of advice you constantly hear from frugal podcasters. Instead, Ramit wants you to maximize your happiness and make the most out of life while not struggling to survive. In short, Ramit wants you to live a rich life, not a frugal one.  If you struggle to spend, pinch pennies, or are dead set on reaching FIRE as fast as possible, this episode is for ]]></googleplay:description>
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<item>
	<title>432: Hesitant to Invest? How to Avoid Running Out of Money During Retirement</title>
	<link>https://biggerpocketsmoney.com/podcast/432-hesitant-to-invest-how-to-avoid-running-out-of-money-during-retirement/</link>
	<pubDate>Fri, 21 Jul 2023 06:00:00 +0000</pubDate>
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	<description><![CDATA[Terrified of running out of money in retirement? Countless people share the same fear. With so much recent discourse surrounding inflation and a looming recession, you may have a tighter grip on your money than usual. Today’s guest is here to help cool some of your concerns.  In this episode of the BiggerPockets Money podcast, we’re joined by David Stein from Money for the Rest of Us, who believes there are reasons to be optimistic about the economy and even more reasons to stay on the straight and narrow when it comes to investing. If you’re easily overwhelmed by the thought of investing or choosing the right asset classes, David’s message is clear: investing doesn’t need to be difficult. There are plenty of tools the average person can use to invest, grow their nest egg, and have enough money for retirement. Don’t let fear stop you from putting your money to work!  Whether you’re a novice or long-time investor, you’re in for a treat with today’s episode. Tune in as David addresses several issues—including the current state of the economy, whether we should brace for a recession, and the markets he’s investing in. He also talks about the benefit of steering clear of individual stocks in lieu of ETFs and index funds, as well as when it might be smart to buy an immediate annuity!    In This Episode We Cover  The four-percent rule and how to avoid running out of money in retirement  How current returns on real estate compare to those of other asset classes  The benefit of buying exchange-traded funds (ETFs) and index funds in lieu of individual stocks  Diversifying your investment portfolio to include non-U.S. markets  Three important principles to focus on when deciding where to invest  Buying annuities to lock in an additional income stream during retirement  And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Mindy on BiggerPockets  Scott's Instagram  Grab Scott’s Book, “Set for Life”  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Listen to The Real Estate InvestHER Show  Join The Real Estate InvestHER Community on Facebook  Register for an Upcoming InvestHER Event  Money Moment  Choosing the Right Investment Type for Your Goals with David Stein  Check Out the Latest Five-Year TIPS at TreasuryDirect    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-432     Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email us: moneymoment@biggerpockets.com]]></description>
	<itunes:subtitle><![CDATA[Terrified of running out of money in retirement? Countless people share the same fear. With so much recent discourse surrounding inflation and a looming recession, you may have a tighter grip on your money than usual. Today’s guest is here to help cool s]]></itunes:subtitle>
	<content:encoded><![CDATA[Terrified of running out of money in retirement? Countless people share the same fear. With so much recent discourse surrounding inflation and a looming recession, you may have a tighter grip on your money than usual. Today’s guest is here to help cool some of your concerns.  In this episode of the BiggerPockets Money podcast, we’re joined by David Stein from Money for the Rest of Us, who believes there are reasons to be optimistic about the economy and even more reasons to stay on the straight and narrow when it comes to investing. If you’re easily overwhelmed by the thought of investing or choosing the right asset classes, David’s message is clear: investing doesn’t need to be difficult. There are plenty of tools the average person can use to invest, grow their nest egg, and have enough money for retirement. Don’t let fear stop you from putting your money to work!  Whether you’re a novice or long-time investor, you’re in for a treat with today’s episode. Tune in as David addresses several issues—including the current state of the economy, whether we should brace for a recession, and the markets he’s investing in. He also talks about the benefit of steering clear of individual stocks in lieu of ETFs and index funds, as well as when it might be smart to buy an immediate annuity!    In This Episode We Cover  The four-percent rule and how to avoid running out of money in retirement  How current returns on real estate compare to those of other asset classes  The benefit of buying exchange-traded funds (ETFs) and index funds in lieu of individual stocks  Diversifying your investment portfolio to include non-U.S. markets  Three important principles to focus on when deciding where to invest  Buying annuities to lock in an additional income stream during retirement  And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Mindy on BiggerPockets  Scott's Instagram  Grab Scott’s Book, “Set for Life”  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Listen to The Real Estate InvestHER Show  Join The Real Estate InvestHER Community on Facebook  Register for an Upcoming InvestHER Event  Money Moment  Choosing the Right Investment Type for Your Goals with David Stein  Check Out the Latest Five-Year TIPS at TreasuryDirect    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-432     Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email us: moneymoment@biggerpockets.com]]></content:encoded>
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	<itunes:summary><![CDATA[Terrified of running out of money in retirement? Countless people share the same fear. With so much recent discourse surrounding inflation and a looming recession, you may have a tighter grip on your money than usual. Today’s guest is here to help cool some of your concerns.  In this episode of the BiggerPockets Money podcast, we’re joined by David Stein from Money for the Rest of Us, who believes there are reasons to be optimistic about the economy and even more reasons to stay on the straight and narrow when it comes to investing. If you’re easily overwhelmed by the thought of investing or choosing the right asset classes, David’s message is clear: investing doesn’t need to be difficult. There are plenty of tools the average person can use to invest, grow their nest egg, and have enough money for retirement. Don’t let fear stop you from putting your money to work!  Whether you’re a novice or long-time investor, you’re in for a treat with today’s episode. Tune in as David addresses several issues—including the current state of the economy, whether we should brace for a recession, and the markets he’s investing in. He also talks about the benefit of steering clear of individual stocks in lieu of ETFs and index funds, as well as when it might be smart to buy an immediate annuity!    In This Episode We Cover  The four-percent rule and how to avoid running out of money in retirement  How current returns on real estate compare to those of other asset classes  The benefit of buying exchange-traded funds (ETFs) and index funds in lieu of individual stocks  Diversifying your investment portfolio to include non-U.S. markets  Three important principles to focus on when deciding where to invest  Buying annuities to lock in an additional income stream during retirement  And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Mindy on BiggerPockets  Scott's Instagram  Grab Scott’s Book, “Set for Life”  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Listen to The Real Estate InvestHER Show  Join The Real Estate InvestHER Community on Facebook  Register for an Upcoming InvestHER Event  Money Moment  Choosing the Right Investment Type for Your Goals with David Stein  Check Out the Latest Five-Year TIPS at TreasuryDirect    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-432     Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email us: moneymoment@biggerpockets.com]]></itunes:summary>
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	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[Terrified of running out of money in retirement? Countless people share the same fear. With so much recent discourse surrounding inflation and a looming recession, you may have a tighter grip on your money than usual. Today’s guest is here to help cool some of your concerns.  In this episode of the BiggerPockets Money podcast, we’re joined by David Stein from Money for the Rest of Us, who believes there are reasons to be optimistic about the economy and even more reasons to stay on the straight and narrow when it comes to investing. If you’re easily overwhelmed by the thought of investing or choosing the right asset classes, David’s message is clear: investing doesn’t need to be difficult. There are plenty of tools the average person can use to invest, grow their nest egg, and have enough money for retirement. Don’t let fear stop you from putting your money to work!  Whether you’re a novice or long-time investor, you’re in for a treat with today’s episode. Tune in as David addresses s]]></googleplay:description>
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	<title>431: Women in Real Estate: Closing the “Investing Gap” and Getting Started</title>
	<link>https://biggerpocketsmoney.com/podcast/431-women-in-real-estate-closing-the-investing-gap-and-getting-started/</link>
	<pubDate>Mon, 17 Jul 2023 06:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
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	<description><![CDATA[The gender investing gap is real, but it’s not due to women lacking capital. More often than not, women are saving their money rather than investing in real estate and allowing it to grow. As successful women in real estate, today’s guests are here to break down the reasons for this investing gap and how we can work together to close it.  In this episode of the BiggerPockets Money podcast, we’re joined by none other than Liz Faircloth and Andresa Guidelli, co-hosts of our sister show, The Real Estate InvestHER Show. Like many novice investors, Liz and Andresa both discovered their love for real estate shortly after reading Robert Kiyosaki’s Rich Dad Poor Dad. Years later, both have amassed their own large portfolios and are committed to helping more women dive into the world of real estate investing.  Regardless of gender, there’s something for everyone to take away from this episode. Liz and Andresa share about the unique challenges women investors face today, building your real estate network, and how to find your investing partner. They also deliver some actionable next steps for women who are hesitant to invest, as well as some tips for men who want to be allies for women investors!    In This Episode We Cover  The global economic impact of women investing their capital  The unique advantages and disadvantages women face when investing  How to be an ally for women investors in your sphere of influence  Actionable next steps for women looking to invest in real estate  The importance of community when getting into real estate  How to find the perfect partner for your real estate investments  And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Mindy on BiggerPockets  Scott's Instagram  Grab Scott’s Book, “Set for Life”  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Listen to The Real Estate InvestHER Show  Join The Real Estate InvestHER Community on Facebook  Register for an Upcoming InvestHER Event  Money Moment  Download the FREE Partnership Question Guide    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-431     Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email us: moneymoment@biggerpockets.com]]></description>
	<itunes:subtitle><![CDATA[The gender investing gap is real, but it’s not due to women lacking capital. More often than not, women are saving their money rather than investing in real estate and allowing it to grow. As successful women in real estate, today’s guests are here to br]]></itunes:subtitle>
	<content:encoded><![CDATA[The gender investing gap is real, but it’s not due to women lacking capital. More often than not, women are saving their money rather than investing in real estate and allowing it to grow. As successful women in real estate, today’s guests are here to break down the reasons for this investing gap and how we can work together to close it.  In this episode of the BiggerPockets Money podcast, we’re joined by none other than Liz Faircloth and Andresa Guidelli, co-hosts of our sister show, The Real Estate InvestHER Show. Like many novice investors, Liz and Andresa both discovered their love for real estate shortly after reading Robert Kiyosaki’s Rich Dad Poor Dad. Years later, both have amassed their own large portfolios and are committed to helping more women dive into the world of real estate investing.  Regardless of gender, there’s something for everyone to take away from this episode. Liz and Andresa share about the unique challenges women investors face today, building your real estate network, and how to find your investing partner. They also deliver some actionable next steps for women who are hesitant to invest, as well as some tips for men who want to be allies for women investors!    In This Episode We Cover  The global economic impact of women investing their capital  The unique advantages and disadvantages women face when investing  How to be an ally for women investors in your sphere of influence  Actionable next steps for women looking to invest in real estate  The importance of community when getting into real estate  How to find the perfect partner for your real estate investments  And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Mindy on BiggerPockets  Scott's Instagram  Grab Scott’s Book, “Set for Life”  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Listen to The Real Estate InvestHER Show  Join The Real Estate InvestHER Community on Facebook  Register for an Upcoming InvestHER Event  Money Moment  Download the FREE Partnership Question Guide    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-431     Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email us: moneymoment@biggerpockets.com]]></content:encoded>
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	<itunes:summary><![CDATA[The gender investing gap is real, but it’s not due to women lacking capital. More often than not, women are saving their money rather than investing in real estate and allowing it to grow. As successful women in real estate, today’s guests are here to break down the reasons for this investing gap and how we can work together to close it.  In this episode of the BiggerPockets Money podcast, we’re joined by none other than Liz Faircloth and Andresa Guidelli, co-hosts of our sister show, The Real Estate InvestHER Show. Like many novice investors, Liz and Andresa both discovered their love for real estate shortly after reading Robert Kiyosaki’s Rich Dad Poor Dad. Years later, both have amassed their own large portfolios and are committed to helping more women dive into the world of real estate investing.  Regardless of gender, there’s something for everyone to take away from this episode. Liz and Andresa share about the unique challenges women investors face today, building your real estate network, and how to find your investing partner. They also deliver some actionable next steps for women who are hesitant to invest, as well as some tips for men who want to be allies for women investors!    In This Episode We Cover  The global economic impact of women investing their capital  The unique advantages and disadvantages women face when investing  How to be an ally for women investors in your sphere of influence  Actionable next steps for women looking to invest in real estate  The importance of community when getting into real estate  How to find the perfect partner for your real estate investments  And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Mindy on BiggerPockets  Scott's Instagram  Grab Scott’s Book, “Set for Life”  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Listen to The Real Estate InvestHER Show  Join The Real Estate InvestHER Community on Facebook  Register for an Upcoming InvestHER Event  Money Moment  Download the FREE Partnership Question Guide    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-431     Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email us: moneymoment@biggerpockets.com]]></itunes:summary>
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	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[The gender investing gap is real, but it’s not due to women lacking capital. More often than not, women are saving their money rather than investing in real estate and allowing it to grow. As successful women in real estate, today’s guests are here to break down the reasons for this investing gap and how we can work together to close it.  In this episode of the BiggerPockets Money podcast, we’re joined by none other than Liz Faircloth and Andresa Guidelli, co-hosts of our sister show, The Real Estate InvestHER Show. Like many novice investors, Liz and Andresa both discovered their love for real estate shortly after reading Robert Kiyosaki’s Rich Dad Poor Dad. Years later, both have amassed their own large portfolios and are committed to helping more women dive into the world of real estate investing.  Regardless of gender, there’s something for everyone to take away from this episode. Liz and Andresa share about the unique challenges women investors face today, building your real esta]]></googleplay:description>
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	<title>430: The Secret Way to Save 50% on Your Electricity Bill (EVERY Month!)</title>
	<link>https://biggerpocketsmoney.com/podcast/430-the-secret-way-to-save-50-on-your-electricity-bill-every-month/</link>
	<pubDate>Fri, 14 Jul 2023 06:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
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	<description><![CDATA[Want to cut your electric bill in HALF? A few secret yet simple hacks can save you hundreds, if not THOUSANDS, on your utility bills. And with energy prices almost double where they were just a few years back, everyone is antsy about turning on their air conditioners, even if you feel like you’re about to melt. Thankfully, we’ve got Larry and Hope Ware, also known as “Under the Median,” to show us EXACTLY how they lowered their electric bill by making some simple money moves.  Larry and Hope have been long-time frugalists. A few years into dating, they realized they were flat broke and had to make a tough choice: put their future family first or keep spending without second thoughts. They chose the frugal path to financial independence and, as a result, raised four children on a $40,000/year salary, becoming completely debt-freein the process. Larry and Hope know how to run a budget, and saving money is their sport of choice.  In this episode, Larry and Hope will unpack one of their most astonishing financial accomplishments of late; cutting their electricity bill in half. Through some utility-bill digging and kilowatt-testing, Larry and Hope have built a list of tips that could help you lower your utility bills to levels you may have never seen before. Want in on this money-saving cheat code? Tune in!    In This Episode We Cover  How to cut your electricity bill in half, EVEN if you live in a sweltering climate  Building your “Bare Bones Budget” and prioritizing where money is best spent  The “big green pile of cash” trap that you CAN’T fall into  The BIGGEST mistake most people make when budgeting  “Vampire energy” and how unused appliances could be stealing your cash  And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Mindy on BiggerPockets  Kyle’s Website  Clarity Financial  Kyle’s Twitter  Grab Scott’s Book, “Set for Life”  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Money Moment  Check Out Mindy’s 2022 Live Spending Tracker and Budget  The Stupid-Simple Budgeting Trick I’m Using to Stop Blowing 5 Figures a Month  The Cheapest Way to Lower Your AC Bill This Summer  We Cut Our Electric Bill in Half in About 6 Weeks   Click here to check the full show notes: https://www.biggerpockets.com/blog/money-430     Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email us: moneymoment@biggerpockets.com]]></description>
	<itunes:subtitle><![CDATA[Want to cut your electric bill in HALF? A few secret yet simple hacks can save you hundreds, if not THOUSANDS, on your utility bills. And with energy prices almost double where they were just a few years back, everyone is antsy about turning on their air]]></itunes:subtitle>
	<content:encoded><![CDATA[Want to cut your electric bill in HALF? A few secret yet simple hacks can save you hundreds, if not THOUSANDS, on your utility bills. And with energy prices almost double where they were just a few years back, everyone is antsy about turning on their air conditioners, even if you feel like you’re about to melt. Thankfully, we’ve got Larry and Hope Ware, also known as “Under the Median,” to show us EXACTLY how they lowered their electric bill by making some simple money moves.  Larry and Hope have been long-time frugalists. A few years into dating, they realized they were flat broke and had to make a tough choice: put their future family first or keep spending without second thoughts. They chose the frugal path to financial independence and, as a result, raised four children on a $40,000/year salary, becoming completely debt-freein the process. Larry and Hope know how to run a budget, and saving money is their sport of choice.  In this episode, Larry and Hope will unpack one of their most astonishing financial accomplishments of late; cutting their electricity bill in half. Through some utility-bill digging and kilowatt-testing, Larry and Hope have built a list of tips that could help you lower your utility bills to levels you may have never seen before. Want in on this money-saving cheat code? Tune in!    In This Episode We Cover  How to cut your electricity bill in half, EVEN if you live in a sweltering climate  Building your “Bare Bones Budget” and prioritizing where money is best spent  The “big green pile of cash” trap that you CAN’T fall into  The BIGGEST mistake most people make when budgeting  “Vampire energy” and how unused appliances could be stealing your cash  And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Mindy on BiggerPockets  Kyle’s Website  Clarity Financial  Kyle’s Twitter  Grab Scott’s Book, “Set for Life”  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Money Moment  Check Out Mindy’s 2022 Live Spending Tracker and Budget  The Stupid-Simple Budgeting Trick I’m Using to Stop Blowing 5 Figures a Month  The Cheapest Way to Lower Your AC Bill This Summer  We Cut Our Electric Bill in Half in About 6 Weeks   Click here to check the full show notes: https://www.biggerpockets.com/blog/money-430     Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email us: moneymoment@biggerpockets.com]]></content:encoded>
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	<itunes:summary><![CDATA[Want to cut your electric bill in HALF? A few secret yet simple hacks can save you hundreds, if not THOUSANDS, on your utility bills. And with energy prices almost double where they were just a few years back, everyone is antsy about turning on their air conditioners, even if you feel like you’re about to melt. Thankfully, we’ve got Larry and Hope Ware, also known as “Under the Median,” to show us EXACTLY how they lowered their electric bill by making some simple money moves.  Larry and Hope have been long-time frugalists. A few years into dating, they realized they were flat broke and had to make a tough choice: put their future family first or keep spending without second thoughts. They chose the frugal path to financial independence and, as a result, raised four children on a $40,000/year salary, becoming completely debt-freein the process. Larry and Hope know how to run a budget, and saving money is their sport of choice.  In this episode, Larry and Hope will unpack one of their most astonishing financial accomplishments of late; cutting their electricity bill in half. Through some utility-bill digging and kilowatt-testing, Larry and Hope have built a list of tips that could help you lower your utility bills to levels you may have never seen before. Want in on this money-saving cheat code? Tune in!    In This Episode We Cover  How to cut your electricity bill in half, EVEN if you live in a sweltering climate  Building your “Bare Bones Budget” and prioritizing where money is best spent  The “big green pile of cash” trap that you CAN’T fall into  The BIGGEST mistake most people make when budgeting  “Vampire energy” and how unused appliances could be stealing your cash  And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Mindy on BiggerPockets  Kyle’s Website  Clarity Financial  Kyle’s Twitter  Grab Scott’s Book, “Set for Life”  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Money Moment  Check Out Mindy’s 2022 Live Spending Tracker and Budget  The Stupid-Simple Budgeting Trick I’m Using to Stop Blowing 5 Figures a Month  The Cheapest Way to Lower Your AC Bill This Summer  We Cut Our Electric Bill in Half in About 6 Weeks   Click here to check the full show notes: https://www.biggerpockets.com/blog/money-430     Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email us: moneymoment@biggerpockets.com]]></itunes:summary>
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	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[Want to cut your electric bill in HALF? A few secret yet simple hacks can save you hundreds, if not THOUSANDS, on your utility bills. And with energy prices almost double where they were just a few years back, everyone is antsy about turning on their air conditioners, even if you feel like you’re about to melt. Thankfully, we’ve got Larry and Hope Ware, also known as “Under the Median,” to show us EXACTLY how they lowered their electric bill by making some simple money moves.  Larry and Hope have been long-time frugalists. A few years into dating, they realized they were flat broke and had to make a tough choice: put their future family first or keep spending without second thoughts. They chose the frugal path to financial independence and, as a result, raised four children on a $40,000/year salary, becoming completely debt-freein the process. Larry and Hope know how to run a budget, and saving money is their sport of choice.  In this episode, Larry and Hope will unpack one of their m]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
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<item>
	<title>429: What Most First-Time Home Buyers Get Wrong with Nicole Lapin and Scott Trench</title>
	<link>https://biggerpocketsmoney.com/podcast/429-what-most-first-time-home-buyers-get-wrong-with-nicole-lapin-and-scott-trench/</link>
	<pubDate>Thu, 13 Jul 2023 06:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
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	<description><![CDATA[First-time home buyer? After this episode, you’ll see the house-hunting process in an entirely new light. Throw out the granite countertops and exposed beams you’ve always dreamed of because making an emotion-first home-buying decision could ruin your financial future. If you’re trying to build wealth, you’ll want to follow Scott Trench’s home-buying checklist, which may show that renting is the best money move you can make.  The roles are reversed on today’s show because this ISN’T the BiggerPockets Money podcast; It’s Money Rehab with Nicole Lapin! Scott recently joined Nicole to talk transparently about the realities of buying your first home. In this show, Scott and Nicole go through why homeownership is falling across the US, whether or not buying in 2023 even makes sense, and why your house ISN’T what you think it is.  Plus, if you’ve been debating buying a rental property, Scott has some words of wisdom you MUST take to heart before putting in offers. You’ll also hear why SO many landlords are wrong about LLCs (DO NOT miss this section) and the EXACT steps you should take to put yourself in the best home-buying position possible!  Want to hear more Money Rehab? Never miss an episode and subscribe to Money Rehab with Nicole Lapin wherever you get your favorite podcasts, or here: https://link.chtbl.com/91jeLu8k    In This Episode We Cover  Scott Trench’s checklist for the first-time home buyer   The “Lock-In Effect” and why homeowners are unable to sell their houses  Why your house isn’t the investment that you think it is  House hacking, living next to tenants, and the truth about becoming a landlord  Whether or not you need an LLC and how having one could actually hurt you  The exact process Scott follows before buying any property   And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Scott's Instagram  Grab Scott’s Book, “Set for Life”  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Money Moment  Check Out Mindy’s 2022 Live Spending Tracker and Budget  Tune into “Money Rehab with Nicole Lapin”  Nicole Lapin’s Money Hacks to Rehab Your Finances & Say Goodbye to Bad Debt    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-429     Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email us: moneymoment@biggerpockets.com]]></description>
	<itunes:subtitle><![CDATA[First-time home buyer? After this episode, you’ll see the house-hunting process in an entirely new light. Throw out the granite countertops and exposed beams you’ve always dreamed of because making an emotion-first home-buying decision could ruin your fi]]></itunes:subtitle>
	<content:encoded><![CDATA[First-time home buyer? After this episode, you’ll see the house-hunting process in an entirely new light. Throw out the granite countertops and exposed beams you’ve always dreamed of because making an emotion-first home-buying decision could ruin your financial future. If you’re trying to build wealth, you’ll want to follow Scott Trench’s home-buying checklist, which may show that renting is the best money move you can make.  The roles are reversed on today’s show because this ISN’T the BiggerPockets Money podcast; It’s Money Rehab with Nicole Lapin! Scott recently joined Nicole to talk transparently about the realities of buying your first home. In this show, Scott and Nicole go through why homeownership is falling across the US, whether or not buying in 2023 even makes sense, and why your house ISN’T what you think it is.  Plus, if you’ve been debating buying a rental property, Scott has some words of wisdom you MUST take to heart before putting in offers. You’ll also hear why SO many landlords are wrong about LLCs (DO NOT miss this section) and the EXACT steps you should take to put yourself in the best home-buying position possible!  Want to hear more Money Rehab? Never miss an episode and subscribe to Money Rehab with Nicole Lapin wherever you get your favorite podcasts, or here: https://link.chtbl.com/91jeLu8k    In This Episode We Cover  Scott Trench’s checklist for the first-time home buyer   The “Lock-In Effect” and why homeowners are unable to sell their houses  Why your house isn’t the investment that you think it is  House hacking, living next to tenants, and the truth about becoming a landlord  Whether or not you need an LLC and how having one could actually hurt you  The exact process Scott follows before buying any property   And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Scott's Instagram  Grab Scott’s Book, “Set for Life”  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Money Moment  Check Out Mindy’s 2022 Live Spending Tracker and Budget  Tune into “Money Rehab with Nicole Lapin”  Nicole Lapin’s Money Hacks to Rehab Your Finances & Say Goodbye to Bad Debt    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-429     Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email us: moneymoment@biggerpockets.com]]></content:encoded>
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	<itunes:summary><![CDATA[First-time home buyer? After this episode, you’ll see the house-hunting process in an entirely new light. Throw out the granite countertops and exposed beams you’ve always dreamed of because making an emotion-first home-buying decision could ruin your financial future. If you’re trying to build wealth, you’ll want to follow Scott Trench’s home-buying checklist, which may show that renting is the best money move you can make.  The roles are reversed on today’s show because this ISN’T the BiggerPockets Money podcast; It’s Money Rehab with Nicole Lapin! Scott recently joined Nicole to talk transparently about the realities of buying your first home. In this show, Scott and Nicole go through why homeownership is falling across the US, whether or not buying in 2023 even makes sense, and why your house ISN’T what you think it is.  Plus, if you’ve been debating buying a rental property, Scott has some words of wisdom you MUST take to heart before putting in offers. You’ll also hear why SO many landlords are wrong about LLCs (DO NOT miss this section) and the EXACT steps you should take to put yourself in the best home-buying position possible!  Want to hear more Money Rehab? Never miss an episode and subscribe to Money Rehab with Nicole Lapin wherever you get your favorite podcasts, or here: https://link.chtbl.com/91jeLu8k    In This Episode We Cover  Scott Trench’s checklist for the first-time home buyer   The “Lock-In Effect” and why homeowners are unable to sell their houses  Why your house isn’t the investment that you think it is  House hacking, living next to tenants, and the truth about becoming a landlord  Whether or not you need an LLC and how having one could actually hurt you  The exact process Scott follows before buying any property   And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Scott's Instagram  Grab Scott’s Book, “Set for Life”  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Money Moment  Check Out Mindy’s 2022 Live Spending Tracker and Budget  Tune into “Money Rehab with Nicole Lapin”  Nicole Lapin’s Money Hacks to Rehab Your Finances & Say Goodbye to Bad Debt    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-429     Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email us: moneymoment@biggerpockets.com]]></itunes:summary>
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	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[First-time home buyer? After this episode, you’ll see the house-hunting process in an entirely new light. Throw out the granite countertops and exposed beams you’ve always dreamed of because making an emotion-first home-buying decision could ruin your financial future. If you’re trying to build wealth, you’ll want to follow Scott Trench’s home-buying checklist, which may show that renting is the best money move you can make.  The roles are reversed on today’s show because this ISN’T the BiggerPockets Money podcast; It’s Money Rehab with Nicole Lapin! Scott recently joined Nicole to talk transparently about the realities of buying your first home. In this show, Scott and Nicole go through why homeownership is falling across the US, whether or not buying in 2023 even makes sense, and why your house ISN’T what you think it is.  Plus, if you’ve been debating buying a rental property, Scott has some words of wisdom you MUST take to heart before putting in offers. You’ll also hear why SO ma]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
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<item>
	<title>428: The Mad Fientist on Early Retirement in Your 40s and 4% Rule Updates</title>
	<link>https://biggerpocketsmoney.com/podcast/428-the-mad-fientist-on-early-retirement-in-your-40s-and-4-rule-updates/</link>
	<pubDate>Mon, 10 Jul 2023 06:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
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	<description><![CDATA[If you want to retire early, the Mad Fientist is your guide. For over a decade, Brandon, more commonly known as the “Mad Fientist,” has been running simulations, experiments, and exercises to discover which road to early retirement is the fastest. Now, in his forties, Brandon has time to reflect on what worked, what didn’t, and his regrets on the sprint to early retirement and financial freedom. And he’s also got a new update that’ll make your early retirement journey smoother.  After tinkering with the beloved and rarely challenged 4% rule, Brandon decided it was time to sit down and calculate how much you really need to retire early. For decades, financial freedom chasers have been breaking their backs, trying to have as much stashed away as possible to enjoy their well-earned time off from work. But, it turns out that this number might be overinflated, and you can retire with much less than you think. That means your early retirement timeline just got a LOT shorter.  In this episode, Brandon will describe why the 4% rule may be a bit too rigid, how to ensure you’ll have enough during early retirement, what to do during a market crash or correction, and why spending thousands of dollars on a coffee machine isn’t such a bad idea. If you want to maximize enjoyment in early retirement, instead of building a big bank account you probably won’t use, stick around!    In This Episode We Cover  Early retirement rules of thumb you MUST know when on the path to FIRE  The 4% rule and why you DON’T need to follow it to a tee  Retirement withdrawal rules and how much to spend during a crash/correction  The skill of spending and what Brandon regrets most from pre-FIRE life  Tracking your expenses and why knowing your costs is CRUCIAL to early retirement  And So Much More!  Links from the Show  BiggerPockets Money Facebook Group  BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Mindy on BiggerPockets  Scott's Instagram  Grab Scott’s Book, “Set for Life”  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Money Moment  Check Out Mindy’s 2022 Live Spending Tracker and Budget  Hear Our Past Interviews with The Mad Fientist:  Accessing Retirement Funds Before Age 59½ with The Mad Fientist  Backdoor Roths, Mega Backdoor Roths, and Roth Conversion Ladders  Is It Time to Give Up on Financial Independence?  Hear Our Interview with "Just Keep Buying" Author, Nick Maggiulli:  The Problem with the 4% Rule (and Why You Could Retire Even Sooner    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-428    Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email us: moneymoment@biggerpockets.com]]></description>
	<itunes:subtitle><![CDATA[If you want to retire early, the Mad Fientist is your guide. For over a decade, Brandon, more commonly known as the “Mad Fientist,” has been running simulations, experiments, and exercises to discover which road to early retirement is the fastest. Now, i]]></itunes:subtitle>
	<content:encoded><![CDATA[If you want to retire early, the Mad Fientist is your guide. For over a decade, Brandon, more commonly known as the “Mad Fientist,” has been running simulations, experiments, and exercises to discover which road to early retirement is the fastest. Now, in his forties, Brandon has time to reflect on what worked, what didn’t, and his regrets on the sprint to early retirement and financial freedom. And he’s also got a new update that’ll make your early retirement journey smoother.  After tinkering with the beloved and rarely challenged 4% rule, Brandon decided it was time to sit down and calculate how much you really need to retire early. For decades, financial freedom chasers have been breaking their backs, trying to have as much stashed away as possible to enjoy their well-earned time off from work. But, it turns out that this number might be overinflated, and you can retire with much less than you think. That means your early retirement timeline just got a LOT shorter.  In this episode, Brandon will describe why the 4% rule may be a bit too rigid, how to ensure you’ll have enough during early retirement, what to do during a market crash or correction, and why spending thousands of dollars on a coffee machine isn’t such a bad idea. If you want to maximize enjoyment in early retirement, instead of building a big bank account you probably won’t use, stick around!    In This Episode We Cover  Early retirement rules of thumb you MUST know when on the path to FIRE  The 4% rule and why you DON’T need to follow it to a tee  Retirement withdrawal rules and how much to spend during a crash/correction  The skill of spending and what Brandon regrets most from pre-FIRE life  Tracking your expenses and why knowing your costs is CRUCIAL to early retirement  And So Much More!  Links from the Show  BiggerPockets Money Facebook Group  BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Mindy on BiggerPockets  Scott's Instagram  Grab Scott’s Book, “Set for Life”  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Money Moment  Check Out Mindy’s 2022 Live Spending Tracker and Budget  Hear Our Past Interviews with The Mad Fientist:  Accessing Retirement Funds Before Age 59½ with The Mad Fientist  Backdoor Roths, Mega Backdoor Roths, and Roth Conversion Ladders  Is It Time to Give Up on Financial Independence?  Hear Our Interview with "Just Keep Buying" Author, Nick Maggiulli:  The Problem with the 4% Rule (and Why You Could Retire Even Sooner    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-428    Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email us: moneymoment@biggerpockets.com]]></content:encoded>
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	<itunes:summary><![CDATA[If you want to retire early, the Mad Fientist is your guide. For over a decade, Brandon, more commonly known as the “Mad Fientist,” has been running simulations, experiments, and exercises to discover which road to early retirement is the fastest. Now, in his forties, Brandon has time to reflect on what worked, what didn’t, and his regrets on the sprint to early retirement and financial freedom. And he’s also got a new update that’ll make your early retirement journey smoother.  After tinkering with the beloved and rarely challenged 4% rule, Brandon decided it was time to sit down and calculate how much you really need to retire early. For decades, financial freedom chasers have been breaking their backs, trying to have as much stashed away as possible to enjoy their well-earned time off from work. But, it turns out that this number might be overinflated, and you can retire with much less than you think. That means your early retirement timeline just got a LOT shorter.  In this episode, Brandon will describe why the 4% rule may be a bit too rigid, how to ensure you’ll have enough during early retirement, what to do during a market crash or correction, and why spending thousands of dollars on a coffee machine isn’t such a bad idea. If you want to maximize enjoyment in early retirement, instead of building a big bank account you probably won’t use, stick around!    In This Episode We Cover  Early retirement rules of thumb you MUST know when on the path to FIRE  The 4% rule and why you DON’T need to follow it to a tee  Retirement withdrawal rules and how much to spend during a crash/correction  The skill of spending and what Brandon regrets most from pre-FIRE life  Tracking your expenses and why knowing your costs is CRUCIAL to early retirement  And So Much More!  Links from the Show  BiggerPockets Money Facebook Group  BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Mindy on BiggerPockets  Scott's Instagram  Grab Scott’s Book, “Set for Life”  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Money Moment  Check Out Mindy’s 2022 Live Spending Tracker and Budget  Hear Our Past Interviews with The Mad Fientist:  Accessing Retirement Funds Before Age 59½ with The Mad Fientist  Backdoor Roths, Mega Backdoor Roths, and Roth Conversion Ladders  Is It Time to Give Up on Financial Independence?  Hear Our Interview with "Just Keep Buying" Author, Nick Maggiulli:  The Problem with the 4% Rule (and Why You Could Retire Even Sooner    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-428    Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email us: moneymoment@biggerpockets.com]]></itunes:summary>
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	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[If you want to retire early, the Mad Fientist is your guide. For over a decade, Brandon, more commonly known as the “Mad Fientist,” has been running simulations, experiments, and exercises to discover which road to early retirement is the fastest. Now, in his forties, Brandon has time to reflect on what worked, what didn’t, and his regrets on the sprint to early retirement and financial freedom. And he’s also got a new update that’ll make your early retirement journey smoother.  After tinkering with the beloved and rarely challenged 4% rule, Brandon decided it was time to sit down and calculate how much you really need to retire early. For decades, financial freedom chasers have been breaking their backs, trying to have as much stashed away as possible to enjoy their well-earned time off from work. But, it turns out that this number might be overinflated, and you can retire with much less than you think. That means your early retirement timeline just got a LOT shorter.  In this episod]]></googleplay:description>
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<item>
	<title>427: Finance Friday: Building a $200K/Year Portfolio on an “Average” Income</title>
	<link>https://biggerpocketsmoney.com/podcast/427-finance-friday-building-a-200k-year-portfolio-on-an-average-income/</link>
	<pubDate>Fri, 07 Jul 2023 06:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
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	<description><![CDATA[A rental property portfolio can replace your job, give you ultimate financial freedom, and allow you to do what you want when you want. But building this massive passive income stream takes time, and if you stick with it, you’ll be rewarded plentifully like today’s guests, Jennifer and John. After starting with an “average” income, this couple was able to consistently buy cash-flowing rentals with the leftovers from their salaries. They compounded their cash flow to buy even more properties and now sit on around $8,000,000 in real estate.  With so much wealth, you’d expect Jennifer and John to be the jet-skiing, vacation-home-buying, luxury car-racing types; but they’re FAR from it. John is still working at his W2 job as Jennifer continues to run her business. They both keep their spending low and live a moderate lifestyle. But, the lack of time freedom and heavy hours of a full-time job is eating away at John. This couple needs to know how they can use their real estate portfolio to retire early.  To go through all the rates, rentals, construction costs, and cash-flow-number-crunching is investing expert James Dainard, who joins Scott on a resourceful episode for any real estate investor. James and Scott will review Jennifer and John’s entire portfolio, giving them suggestions on what to sell, keep, and buy instead. By the end of this episode, John and Jennifer have multiple options that could make them MILLIONS in just a few years’ time!    In This Episode We Cover  The “rate trap” that stops so many rental property investors from upgrading their portfolios  Investing in real estate on an “average” income and why it’s possible for everyone  Tapping into equity and the one metric that’ll tell you whether you should keep or sell your property   Small multifamily vs. large multifamily and why bigger is usually better  ADUs (accessory dwelling units) and how to make instant equity by building one  And So Much More!  Links from the Show  BiggerPockets Money Facebook Group  BiggerPockets Forums  Finance Review Guest Onboarding  Find Investor-Friendly Lenders  Join BiggerPockets for FREE  Scott's Instagram  Connect with James BiggerPockets  Watch James on the “On The Market” YouTube Channel  Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets  Grab Scott’s Book, “Set for Life”  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Money Moment  How To Build A Real Estate Portfolio  ROE over ROI and Why Your “Cash Flow” Number is Deceiving    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-427     Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email us: moneymoment@biggerpockets.com]]></description>
	<itunes:subtitle><![CDATA[A rental property portfolio can replace your job, give you ultimate financial freedom, and allow you to do what you want when you want. But building this massive passive income stream takes time, and if you stick with it, you’ll be rewarded plentifully l]]></itunes:subtitle>
	<content:encoded><![CDATA[A rental property portfolio can replace your job, give you ultimate financial freedom, and allow you to do what you want when you want. But building this massive passive income stream takes time, and if you stick with it, you’ll be rewarded plentifully like today’s guests, Jennifer and John. After starting with an “average” income, this couple was able to consistently buy cash-flowing rentals with the leftovers from their salaries. They compounded their cash flow to buy even more properties and now sit on around $8,000,000 in real estate.  With so much wealth, you’d expect Jennifer and John to be the jet-skiing, vacation-home-buying, luxury car-racing types; but they’re FAR from it. John is still working at his W2 job as Jennifer continues to run her business. They both keep their spending low and live a moderate lifestyle. But, the lack of time freedom and heavy hours of a full-time job is eating away at John. This couple needs to know how they can use their real estate portfolio to retire early.  To go through all the rates, rentals, construction costs, and cash-flow-number-crunching is investing expert James Dainard, who joins Scott on a resourceful episode for any real estate investor. James and Scott will review Jennifer and John’s entire portfolio, giving them suggestions on what to sell, keep, and buy instead. By the end of this episode, John and Jennifer have multiple options that could make them MILLIONS in just a few years’ time!    In This Episode We Cover  The “rate trap” that stops so many rental property investors from upgrading their portfolios  Investing in real estate on an “average” income and why it’s possible for everyone  Tapping into equity and the one metric that’ll tell you whether you should keep or sell your property   Small multifamily vs. large multifamily and why bigger is usually better  ADUs (accessory dwelling units) and how to make instant equity by building one  And So Much More!  Links from the Show  BiggerPockets Money Facebook Group  BiggerPockets Forums  Finance Review Guest Onboarding  Find Investor-Friendly Lenders  Join BiggerPockets for FREE  Scott's Instagram  Connect with James BiggerPockets  Watch James on the “On The Market” YouTube Channel  Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets  Grab Scott’s Book, “Set for Life”  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Money Moment  How To Build A Real Estate Portfolio  ROE over ROI and Why Your “Cash Flow” Number is Deceiving    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-427     Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email us: moneymoment@biggerpockets.com]]></content:encoded>
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	<itunes:summary><![CDATA[A rental property portfolio can replace your job, give you ultimate financial freedom, and allow you to do what you want when you want. But building this massive passive income stream takes time, and if you stick with it, you’ll be rewarded plentifully like today’s guests, Jennifer and John. After starting with an “average” income, this couple was able to consistently buy cash-flowing rentals with the leftovers from their salaries. They compounded their cash flow to buy even more properties and now sit on around $8,000,000 in real estate.  With so much wealth, you’d expect Jennifer and John to be the jet-skiing, vacation-home-buying, luxury car-racing types; but they’re FAR from it. John is still working at his W2 job as Jennifer continues to run her business. They both keep their spending low and live a moderate lifestyle. But, the lack of time freedom and heavy hours of a full-time job is eating away at John. This couple needs to know how they can use their real estate portfolio to retire early.  To go through all the rates, rentals, construction costs, and cash-flow-number-crunching is investing expert James Dainard, who joins Scott on a resourceful episode for any real estate investor. James and Scott will review Jennifer and John’s entire portfolio, giving them suggestions on what to sell, keep, and buy instead. By the end of this episode, John and Jennifer have multiple options that could make them MILLIONS in just a few years’ time!    In This Episode We Cover  The “rate trap” that stops so many rental property investors from upgrading their portfolios  Investing in real estate on an “average” income and why it’s possible for everyone  Tapping into equity and the one metric that’ll tell you whether you should keep or sell your property   Small multifamily vs. large multifamily and why bigger is usually better  ADUs (accessory dwelling units) and how to make instant equity by building one  And So Much More!  Links from the Show  BiggerPockets Money Facebook Group  BiggerPockets Forums  Finance Review Guest Onboarding  Find Investor-Friendly Lenders  Join BiggerPockets for FREE  Scott's Instagram  Connect with James BiggerPockets  Watch James on the “On The Market” YouTube Channel  Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets  Grab Scott’s Book, “Set for Life”  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Money Moment  How To Build A Real Estate Portfolio  ROE over ROI and Why Your “Cash Flow” Number is Deceiving    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-427     Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email us: moneymoment@biggerpockets.com]]></itunes:summary>
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	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[A rental property portfolio can replace your job, give you ultimate financial freedom, and allow you to do what you want when you want. But building this massive passive income stream takes time, and if you stick with it, you’ll be rewarded plentifully like today’s guests, Jennifer and John. After starting with an “average” income, this couple was able to consistently buy cash-flowing rentals with the leftovers from their salaries. They compounded their cash flow to buy even more properties and now sit on around $8,000,000 in real estate.  With so much wealth, you’d expect Jennifer and John to be the jet-skiing, vacation-home-buying, luxury car-racing types; but they’re FAR from it. John is still working at his W2 job as Jennifer continues to run her business. They both keep their spending low and live a moderate lifestyle. But, the lack of time freedom and heavy hours of a full-time job is eating away at John. This couple needs to know how they can use their real estate portfolio to ]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
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<item>
	<title>426: The New Path to Financial Independence is HERE</title>
	<link>https://biggerpocketsmoney.com/podcast/426-the-new-path-to-financial-independence-is-here/</link>
	<pubDate>Mon, 03 Jul 2023 06:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
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	<description><![CDATA[The Financial Independence, Retire Early movement (FIRE movement) is changing. More people are investing, making money, and working from anywhere in the world. Investing education and advice has become easier to access, and self-made millionaires have been created through simple frugality and smart spending. Compared to when the FIRE movement was born, now may be one of the best times in recent history to achieve financial independence. But there’s more than one path to choose from.  Happy Financial Independence Day! That’s right; we’re swapping hot dogs for home equity, fireworks for frugality, and a cold one for some cold hard cash because TODAY is a day to celebrate an accomplishment we all hope to achieve! In this special episode, Scott and Mindy fly solo, touching on the history of the FIRE movement, its most prominent figures, and lessons learned on the path to FI.  But that’s not all; tell your overspending Uncle to tune in as Scott and Mindy debate some of the most common complaints about the FIRE movement and prove that anyone, in almost any situation, can live life on their terms. So sit back, grab those chips you saved for tomorrow’s barbeque (no one will notice), and get your FIRE started!    In This Episode We Cover  The financial independence retire early movement (FIRE movement) explained   The MULTIPLE paths to early retirement you can take (and which is right for you)  FIRE rules you MUST follow that can help ANYONE reach financial freedom  What to do once you achieve FIRE and planning for it when you’re on the path  Debating the FIRE critics and why you DON’T need to give up everything as you build wealth  And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Mindy on BiggerPockets  Scott's Instagram  Grab Scott’s Book, “Set for Life”  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Check Out Mindy’s 2022 Live Spending Tracker and Budget  Bill Bengen (The Inventor of the 4% Rule)  From Homeless at 14 to Debt-Free Homeowner AFTER Prison Time with Jazmyn Gray  How to Change Your Financial Life with a Money “Reset” with Jill Schlesinge  Mr. Money Mustache on Life After FI: The Truth About Retiring Early in Your 30s  Mr. Money Mustache  Coast FI: The Calculated Way to Retire Early WITHOUT Giving Up What You Love with The Fioneers  Designing a Frugal But Luxurious FI Life by Age 32  Change Your Money Mindset, Change Your Life with Vicki Robin    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-     Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email us: moneymoment@biggerpockets.com]]></description>
	<itunes:subtitle><![CDATA[The Financial Independence, Retire Early movement (FIRE movement) is changing. More people are investing, making money, and working from anywhere in the world. Investing education and advice has become easier to access, and self-made millionaires have be]]></itunes:subtitle>
	<content:encoded><![CDATA[The Financial Independence, Retire Early movement (FIRE movement) is changing. More people are investing, making money, and working from anywhere in the world. Investing education and advice has become easier to access, and self-made millionaires have been created through simple frugality and smart spending. Compared to when the FIRE movement was born, now may be one of the best times in recent history to achieve financial independence. But there’s more than one path to choose from.  Happy Financial Independence Day! That’s right; we’re swapping hot dogs for home equity, fireworks for frugality, and a cold one for some cold hard cash because TODAY is a day to celebrate an accomplishment we all hope to achieve! In this special episode, Scott and Mindy fly solo, touching on the history of the FIRE movement, its most prominent figures, and lessons learned on the path to FI.  But that’s not all; tell your overspending Uncle to tune in as Scott and Mindy debate some of the most common complaints about the FIRE movement and prove that anyone, in almost any situation, can live life on their terms. So sit back, grab those chips you saved for tomorrow’s barbeque (no one will notice), and get your FIRE started!    In This Episode We Cover  The financial independence retire early movement (FIRE movement) explained   The MULTIPLE paths to early retirement you can take (and which is right for you)  FIRE rules you MUST follow that can help ANYONE reach financial freedom  What to do once you achieve FIRE and planning for it when you’re on the path  Debating the FIRE critics and why you DON’T need to give up everything as you build wealth  And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Mindy on BiggerPockets  Scott's Instagram  Grab Scott’s Book, “Set for Life”  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Check Out Mindy’s 2022 Live Spending Tracker and Budget  Bill Bengen (The Inventor of the 4% Rule)  From Homeless at 14 to Debt-Free Homeowner AFTER Prison Time with Jazmyn Gray  How to Change Your Financial Life with a Money “Reset” with Jill Schlesinge  Mr. Money Mustache on Life After FI: The Truth About Retiring Early in Your 30s  Mr. Money Mustache  Coast FI: The Calculated Way to Retire Early WITHOUT Giving Up What You Love with The Fioneers  Designing a Frugal But Luxurious FI Life by Age 32  Change Your Money Mindset, Change Your Life with Vicki Robin    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-     Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email us: moneymoment@biggerpockets.com]]></content:encoded>
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	<itunes:summary><![CDATA[The Financial Independence, Retire Early movement (FIRE movement) is changing. More people are investing, making money, and working from anywhere in the world. Investing education and advice has become easier to access, and self-made millionaires have been created through simple frugality and smart spending. Compared to when the FIRE movement was born, now may be one of the best times in recent history to achieve financial independence. But there’s more than one path to choose from.  Happy Financial Independence Day! That’s right; we’re swapping hot dogs for home equity, fireworks for frugality, and a cold one for some cold hard cash because TODAY is a day to celebrate an accomplishment we all hope to achieve! In this special episode, Scott and Mindy fly solo, touching on the history of the FIRE movement, its most prominent figures, and lessons learned on the path to FI.  But that’s not all; tell your overspending Uncle to tune in as Scott and Mindy debate some of the most common complaints about the FIRE movement and prove that anyone, in almost any situation, can live life on their terms. So sit back, grab those chips you saved for tomorrow’s barbeque (no one will notice), and get your FIRE started!    In This Episode We Cover  The financial independence retire early movement (FIRE movement) explained   The MULTIPLE paths to early retirement you can take (and which is right for you)  FIRE rules you MUST follow that can help ANYONE reach financial freedom  What to do once you achieve FIRE and planning for it when you’re on the path  Debating the FIRE critics and why you DON’T need to give up everything as you build wealth  And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Mindy on BiggerPockets  Scott's Instagram  Grab Scott’s Book, “Set for Life”  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Check Out Mindy’s 2022 Live Spending Tracker and Budget  Bill Bengen (The Inventor of the 4% Rule)  From Homeless at 14 to Debt-Free Homeowner AFTER Prison Time with Jazmyn Gray  How to Change Your Financial Life with a Money “Reset” with Jill Schlesinge  Mr. Money Mustache on Life After FI: The Truth About Retiring Early in Your 30s  Mr. Money Mustache  Coast FI: The Calculated Way to Retire Early WITHOUT Giving Up What You Love with The Fioneers  Designing a Frugal But Luxurious FI Life by Age 32  Change Your Money Mindset, Change Your Life with Vicki Robin    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-     Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email us: moneymoment@biggerpockets.com]]></itunes:summary>
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	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[The Financial Independence, Retire Early movement (FIRE movement) is changing. More people are investing, making money, and working from anywhere in the world. Investing education and advice has become easier to access, and self-made millionaires have been created through simple frugality and smart spending. Compared to when the FIRE movement was born, now may be one of the best times in recent history to achieve financial independence. But there’s more than one path to choose from.  Happy Financial Independence Day! That’s right; we’re swapping hot dogs for home equity, fireworks for frugality, and a cold one for some cold hard cash because TODAY is a day to celebrate an accomplishment we all hope to achieve! In this special episode, Scott and Mindy fly solo, touching on the history of the FIRE movement, its most prominent figures, and lessons learned on the path to FI.  But that’s not all; tell your overspending Uncle to tune in as Scott and Mindy debate some of the most common comp]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
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<item>
	<title>425: Financially Free in 4 Years by Making One VERY Smart Money Move</title>
	<link>https://biggerpocketsmoney.com/podcast/425-financially-free-in-4-years-by-making-one-very-smart-money-move/</link>
	<pubDate>Fri, 30 Jun 2023 06:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">640920a0-ae43-11ed-8737-3b574d5eb8b6</guid>
	<description><![CDATA[If you make the right money moves, financial freedom is only a few years away. You can’t spend your entire paycheck on travel, trips, high rent, or entertainment if you want to retire early and have true time freedom. Matt Amabilerealized this earlier than most. At twenty-two years old, Matt wasn’t making much at his job, and living in an expensive area didn’t help. His goal was simple: live for free so he could pocket most of his take-home pay. What happened was even better than he would have expected.  With one property purchase, Matt eliminated his rent expense and created a $1,600-a-month passive income stream. This first venture into real estate was challenging, to say the least. From shady contractors to fist fights in a four-unit, a renovation timeline that went much longer than expected, and lockdowns making even simple tasks impossible, Matt hoped the reward was worth the risk on his first property. Spoiler alert: it definitely was.  Now, financially free at twenty-six, Matt works when he wants, where he wants, making $6,000 per month in passive income. He did all this in just four years, starting with $10,000, making a median salary. If Matt can do it, with zero experience in real estate investing, what’s stopping you from doing the same?    In This Episode We Cover  The most underrated real estate strategy that helps you reach financial freedom FAST  The 203(k) loan explained and using it to make MASSIVE equity gains on a property  Sacrificing luxuries and keeping your expenses low so you can retire early   Real estate partnerships and how to buy properties when you don’t have any money   The “BRRRR on training wheels” that new real estate investors should try  Job hopping and how Matt tripled his salary in under five years  And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  BiggerPockets Forums  Finance Review Guest Onboarding  Find Investor-Friendly Lenders  Join BiggerPockets for FREE  Scott's Instagram  Connect with James BiggerPockets  Watch James on the “On The Market” YouTube Channel  Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets  Grab Scott’s Book, “Set for Life”  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Money Moment    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-425     Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email us: moneymoment@biggerpockets.com]]></description>
	<itunes:subtitle><![CDATA[If you make the right money moves, financial freedom is only a few years away. You can’t spend your entire paycheck on travel, trips, high rent, or entertainment if you want to retire early and have true time freedom. Matt Amabilerealized this earlier th]]></itunes:subtitle>
	<content:encoded><![CDATA[If you make the right money moves, financial freedom is only a few years away. You can’t spend your entire paycheck on travel, trips, high rent, or entertainment if you want to retire early and have true time freedom. Matt Amabilerealized this earlier than most. At twenty-two years old, Matt wasn’t making much at his job, and living in an expensive area didn’t help. His goal was simple: live for free so he could pocket most of his take-home pay. What happened was even better than he would have expected.  With one property purchase, Matt eliminated his rent expense and created a $1,600-a-month passive income stream. This first venture into real estate was challenging, to say the least. From shady contractors to fist fights in a four-unit, a renovation timeline that went much longer than expected, and lockdowns making even simple tasks impossible, Matt hoped the reward was worth the risk on his first property. Spoiler alert: it definitely was.  Now, financially free at twenty-six, Matt works when he wants, where he wants, making $6,000 per month in passive income. He did all this in just four years, starting with $10,000, making a median salary. If Matt can do it, with zero experience in real estate investing, what’s stopping you from doing the same?    In This Episode We Cover  The most underrated real estate strategy that helps you reach financial freedom FAST  The 203(k) loan explained and using it to make MASSIVE equity gains on a property  Sacrificing luxuries and keeping your expenses low so you can retire early   Real estate partnerships and how to buy properties when you don’t have any money   The “BRRRR on training wheels” that new real estate investors should try  Job hopping and how Matt tripled his salary in under five years  And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  BiggerPockets Forums  Finance Review Guest Onboarding  Find Investor-Friendly Lenders  Join BiggerPockets for FREE  Scott's Instagram  Connect with James BiggerPockets  Watch James on the “On The Market” YouTube Channel  Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets  Grab Scott’s Book, “Set for Life”  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Money Moment    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-425     Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email us: moneymoment@biggerpockets.com]]></content:encoded>
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	<itunes:summary><![CDATA[If you make the right money moves, financial freedom is only a few years away. You can’t spend your entire paycheck on travel, trips, high rent, or entertainment if you want to retire early and have true time freedom. Matt Amabilerealized this earlier than most. At twenty-two years old, Matt wasn’t making much at his job, and living in an expensive area didn’t help. His goal was simple: live for free so he could pocket most of his take-home pay. What happened was even better than he would have expected.  With one property purchase, Matt eliminated his rent expense and created a $1,600-a-month passive income stream. This first venture into real estate was challenging, to say the least. From shady contractors to fist fights in a four-unit, a renovation timeline that went much longer than expected, and lockdowns making even simple tasks impossible, Matt hoped the reward was worth the risk on his first property. Spoiler alert: it definitely was.  Now, financially free at twenty-six, Matt works when he wants, where he wants, making $6,000 per month in passive income. He did all this in just four years, starting with $10,000, making a median salary. If Matt can do it, with zero experience in real estate investing, what’s stopping you from doing the same?    In This Episode We Cover  The most underrated real estate strategy that helps you reach financial freedom FAST  The 203(k) loan explained and using it to make MASSIVE equity gains on a property  Sacrificing luxuries and keeping your expenses low so you can retire early   Real estate partnerships and how to buy properties when you don’t have any money   The “BRRRR on training wheels” that new real estate investors should try  Job hopping and how Matt tripled his salary in under five years  And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  BiggerPockets Forums  Finance Review Guest Onboarding  Find Investor-Friendly Lenders  Join BiggerPockets for FREE  Scott's Instagram  Connect with James BiggerPockets  Watch James on the “On The Market” YouTube Channel  Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets  Grab Scott’s Book, “Set for Life”  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Money Moment    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-425     Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email us: moneymoment@biggerpockets.com]]></itunes:summary>
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	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[If you make the right money moves, financial freedom is only a few years away. You can’t spend your entire paycheck on travel, trips, high rent, or entertainment if you want to retire early and have true time freedom. Matt Amabilerealized this earlier than most. At twenty-two years old, Matt wasn’t making much at his job, and living in an expensive area didn’t help. His goal was simple: live for free so he could pocket most of his take-home pay. What happened was even better than he would have expected.  With one property purchase, Matt eliminated his rent expense and created a $1,600-a-month passive income stream. This first venture into real estate was challenging, to say the least. From shady contractors to fist fights in a four-unit, a renovation timeline that went much longer than expected, and lockdowns making even simple tasks impossible, Matt hoped the reward was worth the risk on his first property. Spoiler alert: it definitely was.  Now, financially free at twenty-six, Matt ]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
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<item>
	<title>424: How This Teacher Squashed $20K in Credit Card Debt and Hit Coast FI by 32</title>
	<link>https://biggerpocketsmoney.com/podcast/424-how-this-teacher-squashed-20k-in-credit-card-debt-and-hit-coast-fi-by-32/</link>
	<pubDate>Mon, 26 Jun 2023 06:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
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	<description><![CDATA[Coast FI by 32 after racking up $20K in credit card debt only a few years earlier!? However unlikely this turn of events might seem, the truth is that any money story can be turned on its head with a little financial know-how and good money habits. And today’s guest is living proof!  Having accumulated $20K in credit card debt by the time she graduated from college, Yanely Espinal wasn’t exactly on the straight and narrow path toward financial freedom. But after reading Suze Orman’s Women & Money, Yanely was inspired to take control of her finances. Within 18 months, she had not only wiped out her debt entirely but also catapulted herself toward financial independence—a goal she would achieve before her 32nd birthday. Yanely has since made it her life mission to champion the financial literacy movement and push for financial education requirements in all states by 2030.  Whether you’re at a crossroads in your financial journey, waist-deep in consumer debt, or well on your way to FIRE, there’s something for everyone to take away from Yanely’s story. In this episode, she shares her game plan to getting out of debt, achieving coast FI, and the keys to improving financial literacy in schools. As always, our trusted hosts Mindy and Scott join the conversation to help demystify several money topics—from overcoming generational poverty to creating multiple income streams and more!    In This Episode We Cover  The dangers of high-interest credit card debt (and how to get rid of it!)  How to achieve coast FI as soon as possible and retire comfortably  Breaking the cycle of generational poverty in the United States  The THREE keys to improving financial literacy in schools  What YOU can do to help propel the financial education movement forward  And So Much More!  Links from the Show  BiggerPockets Money Facebook Group  BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Mindy on BiggerPockets  Scott's Instagram  Grab Scott’s Book, “Set for Life”  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets  Money Moment  From $50K in Debt to Financially Free in 2 Years w/ Lots of Ups & Downs  Compound Interest Calculator  Grab Your Copy of “Women & Money” by Suze Orman  Grab Your Copy of Yanely’s Latest Book, “Mind Your Money”  Track Your State’s Movement for Financial Education with the NGPF Bill Tracker  MissBeHelpful Website    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-424     Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email us: moneymoment@biggerpockets.com]]></description>
	<itunes:subtitle><![CDATA[Coast FI by 32 after racking up $20K in credit card debt only a few years earlier!? However unlikely this turn of events might seem, the truth is that any money story can be turned on its head with a little financial know-how and good money habits. And t]]></itunes:subtitle>
	<content:encoded><![CDATA[Coast FI by 32 after racking up $20K in credit card debt only a few years earlier!? However unlikely this turn of events might seem, the truth is that any money story can be turned on its head with a little financial know-how and good money habits. And today’s guest is living proof!  Having accumulated $20K in credit card debt by the time she graduated from college, Yanely Espinal wasn’t exactly on the straight and narrow path toward financial freedom. But after reading Suze Orman’s Women & Money, Yanely was inspired to take control of her finances. Within 18 months, she had not only wiped out her debt entirely but also catapulted herself toward financial independence—a goal she would achieve before her 32nd birthday. Yanely has since made it her life mission to champion the financial literacy movement and push for financial education requirements in all states by 2030.  Whether you’re at a crossroads in your financial journey, waist-deep in consumer debt, or well on your way to FIRE, there’s something for everyone to take away from Yanely’s story. In this episode, she shares her game plan to getting out of debt, achieving coast FI, and the keys to improving financial literacy in schools. As always, our trusted hosts Mindy and Scott join the conversation to help demystify several money topics—from overcoming generational poverty to creating multiple income streams and more!    In This Episode We Cover  The dangers of high-interest credit card debt (and how to get rid of it!)  How to achieve coast FI as soon as possible and retire comfortably  Breaking the cycle of generational poverty in the United States  The THREE keys to improving financial literacy in schools  What YOU can do to help propel the financial education movement forward  And So Much More!  Links from the Show  BiggerPockets Money Facebook Group  BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Mindy on BiggerPockets  Scott's Instagram  Grab Scott’s Book, “Set for Life”  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets  Money Moment  From $50K in Debt to Financially Free in 2 Years w/ Lots of Ups & Downs  Compound Interest Calculator  Grab Your Copy of “Women & Money” by Suze Orman  Grab Your Copy of Yanely’s Latest Book, “Mind Your Money”  Track Your State’s Movement for Financial Education with the NGPF Bill Tracker  MissBeHelpful Website    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-424     Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email us: moneymoment@biggerpockets.com]]></content:encoded>
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	<itunes:summary><![CDATA[Coast FI by 32 after racking up $20K in credit card debt only a few years earlier!? However unlikely this turn of events might seem, the truth is that any money story can be turned on its head with a little financial know-how and good money habits. And today’s guest is living proof!  Having accumulated $20K in credit card debt by the time she graduated from college, Yanely Espinal wasn’t exactly on the straight and narrow path toward financial freedom. But after reading Suze Orman’s Women & Money, Yanely was inspired to take control of her finances. Within 18 months, she had not only wiped out her debt entirely but also catapulted herself toward financial independence—a goal she would achieve before her 32nd birthday. Yanely has since made it her life mission to champion the financial literacy movement and push for financial education requirements in all states by 2030.  Whether you’re at a crossroads in your financial journey, waist-deep in consumer debt, or well on your way to FIRE, there’s something for everyone to take away from Yanely’s story. In this episode, she shares her game plan to getting out of debt, achieving coast FI, and the keys to improving financial literacy in schools. As always, our trusted hosts Mindy and Scott join the conversation to help demystify several money topics—from overcoming generational poverty to creating multiple income streams and more!    In This Episode We Cover  The dangers of high-interest credit card debt (and how to get rid of it!)  How to achieve coast FI as soon as possible and retire comfortably  Breaking the cycle of generational poverty in the United States  The THREE keys to improving financial literacy in schools  What YOU can do to help propel the financial education movement forward  And So Much More!  Links from the Show  BiggerPockets Money Facebook Group  BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Mindy on BiggerPockets  Scott's Instagram  Grab Scott’s Book, “Set for Life”  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets  Money Moment  From $50K in Debt to Financially Free in 2 Years w/ Lots of Ups & Downs  Compound Interest Calculator  Grab Your Copy of “Women & Money” by Suze Orman  Grab Your Copy of Yanely’s Latest Book, “Mind Your Money”  Track Your State’s Movement for Financial Education with the NGPF Bill Tracker  MissBeHelpful Website    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-424     Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email us: moneymoment@biggerpockets.com]]></itunes:summary>
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	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[Coast FI by 32 after racking up $20K in credit card debt only a few years earlier!? However unlikely this turn of events might seem, the truth is that any money story can be turned on its head with a little financial know-how and good money habits. And today’s guest is living proof!  Having accumulated $20K in credit card debt by the time she graduated from college, Yanely Espinal wasn’t exactly on the straight and narrow path toward financial freedom. But after reading Suze Orman’s Women & Money, Yanely was inspired to take control of her finances. Within 18 months, she had not only wiped out her debt entirely but also catapulted herself toward financial independence—a goal she would achieve before her 32nd birthday. Yanely has since made it her life mission to champion the financial literacy movement and push for financial education requirements in all states by 2030.  Whether you’re at a crossroads in your financial journey, waist-deep in consumer debt, or well on your way to FIRE,]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
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<item>
	<title>423: Burned Out? How to Quit Your W2 Job and Still Achieve FIRE</title>
	<link>https://biggerpocketsmoney.com/podcast/423-burned-out-how-to-quit-your-w2-job-and-still-achieve-fire/</link>
	<pubDate>Fri, 23 Jun 2023 06:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
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	<description><![CDATA[Is your W2 job causing you to burn out? You have dreams of achieving financial independence and retiring early, but the unrelenting demands of your nine-to-five job are causing you to work around the clock and miss precious moments with loved ones. If you’re feeling this way, you’re not alone!  Welcome back to another episode of the BiggerPockets Money podcast! Today’s guest, Amanda, has spent the last four years grinding toward an early retirement. Although the security of her husband’s reliable W2 income has allowed them to cover all of their expenses, invest in real estate, and grow their nest egg, they are quickly reaching a breaking point. As parents of four young children, they don’t want their busy work lives to keep them from what matters most. Is there a middle ground?  If your FIRE journey is causing you to burn the candle at both ends, this is an episode you won’t want to miss! Mindy and our guest co-host, Kyle Mast, share their perspectives on quitting your W2 job, finding work-life balance through real estate, and when it might be time to pump the brakes on your journey toward early retirement!    In This Episode We Cover  How to create work-life balance on your journey toward FIRE  Leaving the security of a W2 job for the flexibility of real estate  The challenges you might face when investing out of state  The pros and cons of short-term, mid-term, and long-term rentals (and how to choose!)  Using your market’s short-term rental comps to raise or lower your Airbnb rates  When to sell an investment property rather than holding on to it  And So Much More!  Links from the Show  BiggerPockets Money Facebook Group  BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Mindy on BiggerPockets  Kyle’s Website  Clarity Financial  Kyle’s Twitter  Grab Scott’s Book, “Set for Life”  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets  Money Moment  The Money Date: What You Should (And Definitely Should Not) Do to Align Your Finances as a Couple  Hear Our Last Finance Friday Episode with Joe  Find Short-Term Rental Comps with AirDNA    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-423     Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email us: moneymoment@biggerpockets.com]]></description>
	<itunes:subtitle><![CDATA[Is your W2 job causing you to burn out? You have dreams of achieving financial independence and retiring early, but the unrelenting demands of your nine-to-five job are causing you to work around the clock and miss precious moments with loved ones. If yo]]></itunes:subtitle>
	<content:encoded><![CDATA[Is your W2 job causing you to burn out? You have dreams of achieving financial independence and retiring early, but the unrelenting demands of your nine-to-five job are causing you to work around the clock and miss precious moments with loved ones. If you’re feeling this way, you’re not alone!  Welcome back to another episode of the BiggerPockets Money podcast! Today’s guest, Amanda, has spent the last four years grinding toward an early retirement. Although the security of her husband’s reliable W2 income has allowed them to cover all of their expenses, invest in real estate, and grow their nest egg, they are quickly reaching a breaking point. As parents of four young children, they don’t want their busy work lives to keep them from what matters most. Is there a middle ground?  If your FIRE journey is causing you to burn the candle at both ends, this is an episode you won’t want to miss! Mindy and our guest co-host, Kyle Mast, share their perspectives on quitting your W2 job, finding work-life balance through real estate, and when it might be time to pump the brakes on your journey toward early retirement!    In This Episode We Cover  How to create work-life balance on your journey toward FIRE  Leaving the security of a W2 job for the flexibility of real estate  The challenges you might face when investing out of state  The pros and cons of short-term, mid-term, and long-term rentals (and how to choose!)  Using your market’s short-term rental comps to raise or lower your Airbnb rates  When to sell an investment property rather than holding on to it  And So Much More!  Links from the Show  BiggerPockets Money Facebook Group  BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Mindy on BiggerPockets  Kyle’s Website  Clarity Financial  Kyle’s Twitter  Grab Scott’s Book, “Set for Life”  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets  Money Moment  The Money Date: What You Should (And Definitely Should Not) Do to Align Your Finances as a Couple  Hear Our Last Finance Friday Episode with Joe  Find Short-Term Rental Comps with AirDNA    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-423     Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email us: moneymoment@biggerpockets.com]]></content:encoded>
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	<itunes:summary><![CDATA[Is your W2 job causing you to burn out? You have dreams of achieving financial independence and retiring early, but the unrelenting demands of your nine-to-five job are causing you to work around the clock and miss precious moments with loved ones. If you’re feeling this way, you’re not alone!  Welcome back to another episode of the BiggerPockets Money podcast! Today’s guest, Amanda, has spent the last four years grinding toward an early retirement. Although the security of her husband’s reliable W2 income has allowed them to cover all of their expenses, invest in real estate, and grow their nest egg, they are quickly reaching a breaking point. As parents of four young children, they don’t want their busy work lives to keep them from what matters most. Is there a middle ground?  If your FIRE journey is causing you to burn the candle at both ends, this is an episode you won’t want to miss! Mindy and our guest co-host, Kyle Mast, share their perspectives on quitting your W2 job, finding work-life balance through real estate, and when it might be time to pump the brakes on your journey toward early retirement!    In This Episode We Cover  How to create work-life balance on your journey toward FIRE  Leaving the security of a W2 job for the flexibility of real estate  The challenges you might face when investing out of state  The pros and cons of short-term, mid-term, and long-term rentals (and how to choose!)  Using your market’s short-term rental comps to raise or lower your Airbnb rates  When to sell an investment property rather than holding on to it  And So Much More!  Links from the Show  BiggerPockets Money Facebook Group  BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Mindy on BiggerPockets  Kyle’s Website  Clarity Financial  Kyle’s Twitter  Grab Scott’s Book, “Set for Life”  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets  Money Moment  The Money Date: What You Should (And Definitely Should Not) Do to Align Your Finances as a Couple  Hear Our Last Finance Friday Episode with Joe  Find Short-Term Rental Comps with AirDNA    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-423     Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email us: moneymoment@biggerpockets.com]]></itunes:summary>
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	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[Is your W2 job causing you to burn out? You have dreams of achieving financial independence and retiring early, but the unrelenting demands of your nine-to-five job are causing you to work around the clock and miss precious moments with loved ones. If you’re feeling this way, you’re not alone!  Welcome back to another episode of the BiggerPockets Money podcast! Today’s guest, Amanda, has spent the last four years grinding toward an early retirement. Although the security of her husband’s reliable W2 income has allowed them to cover all of their expenses, invest in real estate, and grow their nest egg, they are quickly reaching a breaking point. As parents of four young children, they don’t want their busy work lives to keep them from what matters most. Is there a middle ground?  If your FIRE journey is causing you to burn the candle at both ends, this is an episode you won’t want to miss! Mindy and our guest co-host, Kyle Mast, share their perspectives on quitting your W2 job, finding]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
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<item>
	<title>422: The Late Starter’s Guide to Financial Independence (Even in Your 50s!)</title>
	<link>https://biggerpocketsmoney.com/podcast/422-the-late-starters-guide-to-financial-independence-even-in-your-50s/</link>
	<pubDate>Mon, 19 Jun 2023 06:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">63d1781c-ae43-11ed-8737-7f594b62edcd</guid>
	<description><![CDATA[Is early retirement possible if you’re dead broke in your 50s? What about regular retirement when you have a negative net worth later in life? If you feel it’s too late to retire, today’s guests are here to prove you wrong. After waking up at fifty with zero dollars to her name, Becky Heptig faced a dilemma—make a change or work for the rest of her days. So Becky and her husband, almost overnight, flipped their lifestyle around and started saving and investing everything they could. Now, she’s retired as a millionaire with complete financial flexibility.  Bill Yount wasn’t just worth zero dollars; he had a negative net worth at fifty. Even with a high-paying job, new cars, and a nice house, Bill was miles away from retirement but took the same path as Becky as he aggressively saved and started planning for retirement. Just a few years out from retirement, Bill has millions stashed away, a luxury lifestyle that his investments support, and a boat-sized amount of cash in his bank account.  If you think it’s TOO late to retire, you’re wrong. Becky and Bill prove in today’s episode that even if you’re starting late, with NOTHING to your name, retirement is only a decade (or a few years) away. You’ll hear EXACTLY how they retired early when starting from zero, the “wake-up call” late starters MUST have, and what you can do TODAY to get your retirement planning on track!    In This Episode We Cover  How to go from broke in your 50s to millionaire (or multimillionaire) in your 60s  Lifestyle creep and why a high income is dangerous for most Americans  How to reverse your “spend first, save last” mindset and start investing for your future  The “wake-up call” that caused Becky and Bill to change their financial mindset   Whether or not it’s ever “too late” to retire (and what to do if you’re there)  Becky and Bill’s advice for those that are broke in their 40s, 50s, or 60s  Why you should NEVER buy a boat   And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Mindy on BiggerPockets  Scott's Instagram  Grab Scott’s Book, “Set for Life”  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets  Money Moment   Rethink Social Security: Myths, Benefits, and Clearing Up Misconceptions    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-422     Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email us: moneymoment@biggerpockets.com]]></description>
	<itunes:subtitle><![CDATA[Is early retirement possible if you’re dead broke in your 50s? What about regular retirement when you have a negative net worth later in life? If you feel it’s too late to retire, today’s guests are here to prove you wrong. After waking up at fifty with ]]></itunes:subtitle>
	<content:encoded><![CDATA[Is early retirement possible if you’re dead broke in your 50s? What about regular retirement when you have a negative net worth later in life? If you feel it’s too late to retire, today’s guests are here to prove you wrong. After waking up at fifty with zero dollars to her name, Becky Heptig faced a dilemma—make a change or work for the rest of her days. So Becky and her husband, almost overnight, flipped their lifestyle around and started saving and investing everything they could. Now, she’s retired as a millionaire with complete financial flexibility.  Bill Yount wasn’t just worth zero dollars; he had a negative net worth at fifty. Even with a high-paying job, new cars, and a nice house, Bill was miles away from retirement but took the same path as Becky as he aggressively saved and started planning for retirement. Just a few years out from retirement, Bill has millions stashed away, a luxury lifestyle that his investments support, and a boat-sized amount of cash in his bank account.  If you think it’s TOO late to retire, you’re wrong. Becky and Bill prove in today’s episode that even if you’re starting late, with NOTHING to your name, retirement is only a decade (or a few years) away. You’ll hear EXACTLY how they retired early when starting from zero, the “wake-up call” late starters MUST have, and what you can do TODAY to get your retirement planning on track!    In This Episode We Cover  How to go from broke in your 50s to millionaire (or multimillionaire) in your 60s  Lifestyle creep and why a high income is dangerous for most Americans  How to reverse your “spend first, save last” mindset and start investing for your future  The “wake-up call” that caused Becky and Bill to change their financial mindset   Whether or not it’s ever “too late” to retire (and what to do if you’re there)  Becky and Bill’s advice for those that are broke in their 40s, 50s, or 60s  Why you should NEVER buy a boat   And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Mindy on BiggerPockets  Scott's Instagram  Grab Scott’s Book, “Set for Life”  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets  Money Moment   Rethink Social Security: Myths, Benefits, and Clearing Up Misconceptions    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-422     Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email us: moneymoment@biggerpockets.com]]></content:encoded>
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	<itunes:summary><![CDATA[Is early retirement possible if you’re dead broke in your 50s? What about regular retirement when you have a negative net worth later in life? If you feel it’s too late to retire, today’s guests are here to prove you wrong. After waking up at fifty with zero dollars to her name, Becky Heptig faced a dilemma—make a change or work for the rest of her days. So Becky and her husband, almost overnight, flipped their lifestyle around and started saving and investing everything they could. Now, she’s retired as a millionaire with complete financial flexibility.  Bill Yount wasn’t just worth zero dollars; he had a negative net worth at fifty. Even with a high-paying job, new cars, and a nice house, Bill was miles away from retirement but took the same path as Becky as he aggressively saved and started planning for retirement. Just a few years out from retirement, Bill has millions stashed away, a luxury lifestyle that his investments support, and a boat-sized amount of cash in his bank account.  If you think it’s TOO late to retire, you’re wrong. Becky and Bill prove in today’s episode that even if you’re starting late, with NOTHING to your name, retirement is only a decade (or a few years) away. You’ll hear EXACTLY how they retired early when starting from zero, the “wake-up call” late starters MUST have, and what you can do TODAY to get your retirement planning on track!    In This Episode We Cover  How to go from broke in your 50s to millionaire (or multimillionaire) in your 60s  Lifestyle creep and why a high income is dangerous for most Americans  How to reverse your “spend first, save last” mindset and start investing for your future  The “wake-up call” that caused Becky and Bill to change their financial mindset   Whether or not it’s ever “too late” to retire (and what to do if you’re there)  Becky and Bill’s advice for those that are broke in their 40s, 50s, or 60s  Why you should NEVER buy a boat   And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Mindy on BiggerPockets  Scott's Instagram  Grab Scott’s Book, “Set for Life”  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets  Money Moment   Rethink Social Security: Myths, Benefits, and Clearing Up Misconceptions    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-422     Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email us: moneymoment@biggerpockets.com]]></itunes:summary>
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	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[Is early retirement possible if you’re dead broke in your 50s? What about regular retirement when you have a negative net worth later in life? If you feel it’s too late to retire, today’s guests are here to prove you wrong. After waking up at fifty with zero dollars to her name, Becky Heptig faced a dilemma—make a change or work for the rest of her days. So Becky and her husband, almost overnight, flipped their lifestyle around and started saving and investing everything they could. Now, she’s retired as a millionaire with complete financial flexibility.  Bill Yount wasn’t just worth zero dollars; he had a negative net worth at fifty. Even with a high-paying job, new cars, and a nice house, Bill was miles away from retirement but took the same path as Becky as he aggressively saved and started planning for retirement. Just a few years out from retirement, Bill has millions stashed away, a luxury lifestyle that his investments support, and a boat-sized amount of cash in his bank accoun]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
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<item>
	<title>421: Finance Friday: How to Retire in Your 40s by Building Multiple Income Streams</title>
	<link>https://biggerpocketsmoney.com/podcast/421-finance-friday-how-to-retire-in-your-40s-by-building-multiple-income-streams/</link>
	<pubDate>Fri, 16 Jun 2023 06:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
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	<description><![CDATA[One of the best ways to boost your earning potential is with multiple income streams. With only so much time to dedicate to each stream, however, how do you maximize your total income without burning out? Today’s guest, Joe, is no stranger to the time constraints that come with managing multiple streams of income. With THREE promising income streams, he’s got his hands full!  At 22, Joe launched an online coaching business that earned almost $30K per month at its peak. Unfortunately, working 90–100 hours each week quickly took its toll on Joe, his relationships, and his overall well-being. Unsure of how to juggle his online business, nine-to-five, and latest endeavor—investing in real estate—Joe now finds himself at a crossroads. Which avenues should he pursue going forward? Which income streams offer the highest earning potential? Which options afford him the most schedule flexibility?  In this episode of the BiggerPockets Money podcast, you’ll get a full breakdown of Joe’s monthly income and expenses, as well as a glimpse of some of his long-term financial goals—including how he plans to revamp his online business, make real estate his next side hustle, and retire early. With help from Mindy and guest co-host Kyle Mast, Joe weighs the pros and cons of each income stream and gets a clearer vision of how to optimize his total income going forward!  In This Episode We Cover  Maximizing your earning potential without sacrificing work-life balance  How to avoid burnout when scaling a profitable side hustle  The importance of time management when you have multiple income streams  What you need to know before you start investing in real estate  How to use other income streams to fund your real estate investments  What it really takes to retire early in your 40s   And So Much More!  Links from the Show  BiggerPockets Money Facebook Group  BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Mindy on BiggerPockets  Kyle’s Website  Clarity Financial  Kyle’s Twitter  Grab Scott’s Book, “Set for Life”  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets  Money Moment  Financial Freedom Through Multiple Streams of Income  Building 61 Passive Streams of Income with Pat Hiban    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-421     Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email us: moneymoment@biggerpockets.com]]></description>
	<itunes:subtitle><![CDATA[One of the best ways to boost your earning potential is with multiple income streams. With only so much time to dedicate to each stream, however, how do you maximize your total income without burning out? Today’s guest, Joe, is no stranger to the time co]]></itunes:subtitle>
	<content:encoded><![CDATA[One of the best ways to boost your earning potential is with multiple income streams. With only so much time to dedicate to each stream, however, how do you maximize your total income without burning out? Today’s guest, Joe, is no stranger to the time constraints that come with managing multiple streams of income. With THREE promising income streams, he’s got his hands full!  At 22, Joe launched an online coaching business that earned almost $30K per month at its peak. Unfortunately, working 90–100 hours each week quickly took its toll on Joe, his relationships, and his overall well-being. Unsure of how to juggle his online business, nine-to-five, and latest endeavor—investing in real estate—Joe now finds himself at a crossroads. Which avenues should he pursue going forward? Which income streams offer the highest earning potential? Which options afford him the most schedule flexibility?  In this episode of the BiggerPockets Money podcast, you’ll get a full breakdown of Joe’s monthly income and expenses, as well as a glimpse of some of his long-term financial goals—including how he plans to revamp his online business, make real estate his next side hustle, and retire early. With help from Mindy and guest co-host Kyle Mast, Joe weighs the pros and cons of each income stream and gets a clearer vision of how to optimize his total income going forward!  In This Episode We Cover  Maximizing your earning potential without sacrificing work-life balance  How to avoid burnout when scaling a profitable side hustle  The importance of time management when you have multiple income streams  What you need to know before you start investing in real estate  How to use other income streams to fund your real estate investments  What it really takes to retire early in your 40s   And So Much More!  Links from the Show  BiggerPockets Money Facebook Group  BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Mindy on BiggerPockets  Kyle’s Website  Clarity Financial  Kyle’s Twitter  Grab Scott’s Book, “Set for Life”  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets  Money Moment  Financial Freedom Through Multiple Streams of Income  Building 61 Passive Streams of Income with Pat Hiban    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-421     Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email us: moneymoment@biggerpockets.com]]></content:encoded>
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	<itunes:summary><![CDATA[One of the best ways to boost your earning potential is with multiple income streams. With only so much time to dedicate to each stream, however, how do you maximize your total income without burning out? Today’s guest, Joe, is no stranger to the time constraints that come with managing multiple streams of income. With THREE promising income streams, he’s got his hands full!  At 22, Joe launched an online coaching business that earned almost $30K per month at its peak. Unfortunately, working 90–100 hours each week quickly took its toll on Joe, his relationships, and his overall well-being. Unsure of how to juggle his online business, nine-to-five, and latest endeavor—investing in real estate—Joe now finds himself at a crossroads. Which avenues should he pursue going forward? Which income streams offer the highest earning potential? Which options afford him the most schedule flexibility?  In this episode of the BiggerPockets Money podcast, you’ll get a full breakdown of Joe’s monthly income and expenses, as well as a glimpse of some of his long-term financial goals—including how he plans to revamp his online business, make real estate his next side hustle, and retire early. With help from Mindy and guest co-host Kyle Mast, Joe weighs the pros and cons of each income stream and gets a clearer vision of how to optimize his total income going forward!  In This Episode We Cover  Maximizing your earning potential without sacrificing work-life balance  How to avoid burnout when scaling a profitable side hustle  The importance of time management when you have multiple income streams  What you need to know before you start investing in real estate  How to use other income streams to fund your real estate investments  What it really takes to retire early in your 40s   And So Much More!  Links from the Show  BiggerPockets Money Facebook Group  BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Mindy on BiggerPockets  Kyle’s Website  Clarity Financial  Kyle’s Twitter  Grab Scott’s Book, “Set for Life”  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets  Money Moment  Financial Freedom Through Multiple Streams of Income  Building 61 Passive Streams of Income with Pat Hiban    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-421     Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email us: moneymoment@biggerpockets.com]]></itunes:summary>
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	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[One of the best ways to boost your earning potential is with multiple income streams. With only so much time to dedicate to each stream, however, how do you maximize your total income without burning out? Today’s guest, Joe, is no stranger to the time constraints that come with managing multiple streams of income. With THREE promising income streams, he’s got his hands full!  At 22, Joe launched an online coaching business that earned almost $30K per month at its peak. Unfortunately, working 90–100 hours each week quickly took its toll on Joe, his relationships, and his overall well-being. Unsure of how to juggle his online business, nine-to-five, and latest endeavor—investing in real estate—Joe now finds himself at a crossroads. Which avenues should he pursue going forward? Which income streams offer the highest earning potential? Which options afford him the most schedule flexibility?  In this episode of the BiggerPockets Money podcast, you’ll get a full breakdown of Joe’s monthly i]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
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<item>
	<title>420: Trading His Man Cave for a “Money Cave” That Makes THOUSANDS a Month</title>
	<link>https://biggerpocketsmoney.com/podcast/420-trading-his-man-cave-for-a-money-cave-that-makes-thousands-a-month/</link>
	<pubDate>Mon, 12 Jun 2023 06:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
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	<description><![CDATA[Turning a man cave into a “money cave” Airbnb making thousands of extra dollars a month? It doesn’t get more house-hackable than this! Ron Curtis was able to pick up his first home in a pricey area for only a few thousand dollars. But how he funded his “money cave” is even more impressive. Within just hours, Ron was able to get $20K to renovate and rehab his basement unit, turning a few thousand dollars into two fully-furnished units and a house hack that pays his mortgage for him. Want to hear how he did it? Tune in!  Ron is a serial entrepreneur. If it makes money, Ron has tried it. From renting cars on Turo to managing Airbnbs, starting his own credit repair and financial coaching consultancy, and turning his primary residence into a cash-flowing short-term rental, Ron isn’t messing around. He does all this while still having a typical W2 job, allowing him to save almost all the income he collects so that he can invest even faster. But, just five years ago, Ron was in a different financial state.  After blowing five figures on travel, trips, and going out, Ron took a step back and looked at all the credit card debthe racked up. Thanks to a helpful coworker, he was able to pay it off without succumbing to twenty-plus percent interest rates. Ron used this same strategy to help his friends pay off their debt and eventually start coaching. Now, running multiple cash-flowing businesses, Ron has side hustles that outpace most people’s nine-to-five. So how does he do it all with just twenty-four hours in the day? He’ll share his secrets in this episode!    In This Episode We Cover  The two easiest ways to escape credit card debt (and which one Ron recommends)  Low money down real estate loans and the mortgage programs you MUST know about  Starting your side hustles and the true cost of building a business  Short-term rental house hacking and turning spare space into extra cash  Outsourcing and delegating using VAs (virtual assistants) so you DON’T have to work for your business  Business credit cards and using yours to buy assets that will make you richer  And So Much More!  Links from the Show  BiggerPockets Money Facebook Group  BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Scott's Instagram  Connect with James BiggerPockets  Grab Scott’s Book, “Set for Life”  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Money Moment  Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-420     Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email us: moneymoment@biggerpockets.com]]></description>
	<itunes:subtitle><![CDATA[Turning a man cave into a “money cave” Airbnb making thousands of extra dollars a month? It doesn’t get more house-hackable than this! Ron Curtis was able to pick up his first home in a pricey area for only a few thousand dollars. But how he funded his “]]></itunes:subtitle>
	<content:encoded><![CDATA[Turning a man cave into a “money cave” Airbnb making thousands of extra dollars a month? It doesn’t get more house-hackable than this! Ron Curtis was able to pick up his first home in a pricey area for only a few thousand dollars. But how he funded his “money cave” is even more impressive. Within just hours, Ron was able to get $20K to renovate and rehab his basement unit, turning a few thousand dollars into two fully-furnished units and a house hack that pays his mortgage for him. Want to hear how he did it? Tune in!  Ron is a serial entrepreneur. If it makes money, Ron has tried it. From renting cars on Turo to managing Airbnbs, starting his own credit repair and financial coaching consultancy, and turning his primary residence into a cash-flowing short-term rental, Ron isn’t messing around. He does all this while still having a typical W2 job, allowing him to save almost all the income he collects so that he can invest even faster. But, just five years ago, Ron was in a different financial state.  After blowing five figures on travel, trips, and going out, Ron took a step back and looked at all the credit card debthe racked up. Thanks to a helpful coworker, he was able to pay it off without succumbing to twenty-plus percent interest rates. Ron used this same strategy to help his friends pay off their debt and eventually start coaching. Now, running multiple cash-flowing businesses, Ron has side hustles that outpace most people’s nine-to-five. So how does he do it all with just twenty-four hours in the day? He’ll share his secrets in this episode!    In This Episode We Cover  The two easiest ways to escape credit card debt (and which one Ron recommends)  Low money down real estate loans and the mortgage programs you MUST know about  Starting your side hustles and the true cost of building a business  Short-term rental house hacking and turning spare space into extra cash  Outsourcing and delegating using VAs (virtual assistants) so you DON’T have to work for your business  Business credit cards and using yours to buy assets that will make you richer  And So Much More!  Links from the Show  BiggerPockets Money Facebook Group  BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Scott's Instagram  Connect with James BiggerPockets  Grab Scott’s Book, “Set for Life”  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Money Moment  Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-420     Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email us: moneymoment@biggerpockets.com]]></content:encoded>
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	<itunes:summary><![CDATA[Turning a man cave into a “money cave” Airbnb making thousands of extra dollars a month? It doesn’t get more house-hackable than this! Ron Curtis was able to pick up his first home in a pricey area for only a few thousand dollars. But how he funded his “money cave” is even more impressive. Within just hours, Ron was able to get $20K to renovate and rehab his basement unit, turning a few thousand dollars into two fully-furnished units and a house hack that pays his mortgage for him. Want to hear how he did it? Tune in!  Ron is a serial entrepreneur. If it makes money, Ron has tried it. From renting cars on Turo to managing Airbnbs, starting his own credit repair and financial coaching consultancy, and turning his primary residence into a cash-flowing short-term rental, Ron isn’t messing around. He does all this while still having a typical W2 job, allowing him to save almost all the income he collects so that he can invest even faster. But, just five years ago, Ron was in a different financial state.  After blowing five figures on travel, trips, and going out, Ron took a step back and looked at all the credit card debthe racked up. Thanks to a helpful coworker, he was able to pay it off without succumbing to twenty-plus percent interest rates. Ron used this same strategy to help his friends pay off their debt and eventually start coaching. Now, running multiple cash-flowing businesses, Ron has side hustles that outpace most people’s nine-to-five. So how does he do it all with just twenty-four hours in the day? He’ll share his secrets in this episode!    In This Episode We Cover  The two easiest ways to escape credit card debt (and which one Ron recommends)  Low money down real estate loans and the mortgage programs you MUST know about  Starting your side hustles and the true cost of building a business  Short-term rental house hacking and turning spare space into extra cash  Outsourcing and delegating using VAs (virtual assistants) so you DON’T have to work for your business  Business credit cards and using yours to buy assets that will make you richer  And So Much More!  Links from the Show  BiggerPockets Money Facebook Group  BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Scott's Instagram  Connect with James BiggerPockets  Grab Scott’s Book, “Set for Life”  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Money Moment  Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-420     Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email us: moneymoment@biggerpockets.com]]></itunes:summary>
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	<itunes:block>no</itunes:block>
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	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[Turning a man cave into a “money cave” Airbnb making thousands of extra dollars a month? It doesn’t get more house-hackable than this! Ron Curtis was able to pick up his first home in a pricey area for only a few thousand dollars. But how he funded his “money cave” is even more impressive. Within just hours, Ron was able to get $20K to renovate and rehab his basement unit, turning a few thousand dollars into two fully-furnished units and a house hack that pays his mortgage for him. Want to hear how he did it? Tune in!  Ron is a serial entrepreneur. If it makes money, Ron has tried it. From renting cars on Turo to managing Airbnbs, starting his own credit repair and financial coaching consultancy, and turning his primary residence into a cash-flowing short-term rental, Ron isn’t messing around. He does all this while still having a typical W2 job, allowing him to save almost all the income he collects so that he can invest even faster. But, just five years ago, Ron was in a different f]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
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<item>
	<title>419: Finance Friday: Barely Breaking Even? Here’s How You Can STILL Invest</title>
	<link>https://biggerpocketsmoney.com/podcast/419-finance-friday-barely-breaking-even-heres-how-you-can-still-invest/</link>
	<pubDate>Fri, 09 Jun 2023 06:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">63a61a1e-ae43-11ed-8737-b75b130e394f</guid>
	<description><![CDATA[Side income streams are your way out of breaking even every month. If you’re like most Americans and find your savings stagnating, without much room for growth, it might be time to look at opportunities outside your nine-to-five. This is exactly what today’s guest, Liz, did by becoming a real estate agent and growing her seasonal business. But, Liz is in one of the northernmost states, where winters are harsh and home sales halt once the snow falls.  Liz wants to grow her real estate agent side income into a full-blown business, but how can she do so when half of the year is too cold to show houses? If you have seasonal income or an infrequent side hustle to help pay your bills, this is an episode for you! Mindy and Scott will walk through how Liz, or any other entrepreneur, can use the sunny season to grow their businesses to new heights, strengthen their savings, and invest the rest so early retirement isn’t just some far-off dream.  Liz also needs to know where her money is best put to use. With a serious cash cushion, she’s debating whether or not having a large amount of cash is worth the financial stability or if investing it for passive income is a better option. With her own primary residence coming close to closing, what should Liz do with her hard-earned cash?    In This Episode We Cover  How to turn a seasonal income stream into a full-time business that pays your yearly salary  What to do when you’re breaking even every month (EVEN with low expenses)  Becoming a real estate agent and how to find leads in untraditional ways  Cash reserves and where to invest your money when you have too much  REITs (real estate investment trusts) vs. index funds and which makes more passive income  When to pay off debt vs. keeping cash in a high-yield savings account  And So Much More!  Links from the Show  BiggerPockets Money Facebook Group  BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Mindy on BiggerPockets  Scott's Instagram  Grab Scott’s Book, “Set for Life”  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets  Fire by 45  Investment Plan  Grab “6 Steps to 7 Figures”  Read More About REITs  Click here to check the full show notes: https://www.biggerpockets.com/blog/money-419     Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email us: moneymoment@biggerpockets.com]]></description>
	<itunes:subtitle><![CDATA[Side income streams are your way out of breaking even every month. If you’re like most Americans and find your savings stagnating, without much room for growth, it might be time to look at opportunities outside your nine-to-five. This is exactly what tod]]></itunes:subtitle>
	<content:encoded><![CDATA[Side income streams are your way out of breaking even every month. If you’re like most Americans and find your savings stagnating, without much room for growth, it might be time to look at opportunities outside your nine-to-five. This is exactly what today’s guest, Liz, did by becoming a real estate agent and growing her seasonal business. But, Liz is in one of the northernmost states, where winters are harsh and home sales halt once the snow falls.  Liz wants to grow her real estate agent side income into a full-blown business, but how can she do so when half of the year is too cold to show houses? If you have seasonal income or an infrequent side hustle to help pay your bills, this is an episode for you! Mindy and Scott will walk through how Liz, or any other entrepreneur, can use the sunny season to grow their businesses to new heights, strengthen their savings, and invest the rest so early retirement isn’t just some far-off dream.  Liz also needs to know where her money is best put to use. With a serious cash cushion, she’s debating whether or not having a large amount of cash is worth the financial stability or if investing it for passive income is a better option. With her own primary residence coming close to closing, what should Liz do with her hard-earned cash?    In This Episode We Cover  How to turn a seasonal income stream into a full-time business that pays your yearly salary  What to do when you’re breaking even every month (EVEN with low expenses)  Becoming a real estate agent and how to find leads in untraditional ways  Cash reserves and where to invest your money when you have too much  REITs (real estate investment trusts) vs. index funds and which makes more passive income  When to pay off debt vs. keeping cash in a high-yield savings account  And So Much More!  Links from the Show  BiggerPockets Money Facebook Group  BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Mindy on BiggerPockets  Scott's Instagram  Grab Scott’s Book, “Set for Life”  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets  Fire by 45  Investment Plan  Grab “6 Steps to 7 Figures”  Read More About REITs  Click here to check the full show notes: https://www.biggerpockets.com/blog/money-419     Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email us: moneymoment@biggerpockets.com]]></content:encoded>
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	<itunes:summary><![CDATA[Side income streams are your way out of breaking even every month. If you’re like most Americans and find your savings stagnating, without much room for growth, it might be time to look at opportunities outside your nine-to-five. This is exactly what today’s guest, Liz, did by becoming a real estate agent and growing her seasonal business. But, Liz is in one of the northernmost states, where winters are harsh and home sales halt once the snow falls.  Liz wants to grow her real estate agent side income into a full-blown business, but how can she do so when half of the year is too cold to show houses? If you have seasonal income or an infrequent side hustle to help pay your bills, this is an episode for you! Mindy and Scott will walk through how Liz, or any other entrepreneur, can use the sunny season to grow their businesses to new heights, strengthen their savings, and invest the rest so early retirement isn’t just some far-off dream.  Liz also needs to know where her money is best put to use. With a serious cash cushion, she’s debating whether or not having a large amount of cash is worth the financial stability or if investing it for passive income is a better option. With her own primary residence coming close to closing, what should Liz do with her hard-earned cash?    In This Episode We Cover  How to turn a seasonal income stream into a full-time business that pays your yearly salary  What to do when you’re breaking even every month (EVEN with low expenses)  Becoming a real estate agent and how to find leads in untraditional ways  Cash reserves and where to invest your money when you have too much  REITs (real estate investment trusts) vs. index funds and which makes more passive income  When to pay off debt vs. keeping cash in a high-yield savings account  And So Much More!  Links from the Show  BiggerPockets Money Facebook Group  BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Mindy on BiggerPockets  Scott's Instagram  Grab Scott’s Book, “Set for Life”  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets  Fire by 45  Investment Plan  Grab “6 Steps to 7 Figures”  Read More About REITs  Click here to check the full show notes: https://www.biggerpockets.com/blog/money-419     Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email us: moneymoment@biggerpockets.com]]></itunes:summary>
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	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[Side income streams are your way out of breaking even every month. If you’re like most Americans and find your savings stagnating, without much room for growth, it might be time to look at opportunities outside your nine-to-five. This is exactly what today’s guest, Liz, did by becoming a real estate agent and growing her seasonal business. But, Liz is in one of the northernmost states, where winters are harsh and home sales halt once the snow falls.  Liz wants to grow her real estate agent side income into a full-blown business, but how can she do so when half of the year is too cold to show houses? If you have seasonal income or an infrequent side hustle to help pay your bills, this is an episode for you! Mindy and Scott will walk through how Liz, or any other entrepreneur, can use the sunny season to grow their businesses to new heights, strengthen their savings, and invest the rest so early retirement isn’t just some far-off dream.  Liz also needs to know where her money is best pu]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
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<item>
	<title>418: Replacing His Wife’s $100K Salary in Year ONE with THIS Online Side Hustle</title>
	<link>https://biggerpocketsmoney.com/podcast/418-replacing-his-wifes-100k-salary-in-year-one-with-this-online-side-hustle/</link>
	<pubDate>Mon, 05 Jun 2023 06:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
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	<description><![CDATA[An online side hustle that replaces your $100K salary in year one!? It sounds like an impossible feat, but today’s guest was able to achieve this by launching an unusual ecommerce business—allowing his wife to quit her job and stay at home with their kids full-time!  Welcome back to another episode of the BiggerPockets Money podcast! Today, we’re chatting with Steve Chou, a serial entrepreneur, ecommerce influencer, and founder of MyWifeQuitHerJob.com. When Steve’s wife became pregnant with their first child, he was faced with the challenge of finding a side hustle that could replace his wife’s 9-5 income. Of course, living in Silicon Valley isn’t cheap, and replacing a $100K salary is much easier said than done. Despite these hurdles, Steve was able to turn one brilliant idea into a profitable business that has managed to grow every year since 2007.  If you’ve always wanted to start your own side hustle but are unsure where to begin, this episode is for aspiring entrepreneurs like you! Tune in to hear Steve share about the humble beginnings of his handkerchief side hustle, how to find ecommerce success in 2023, and achieving financial freedom without burning out. As always, Mindy and Scott bring their own financial expertise to the table and deliver some timely wisdom!    In This Episode We Cover  Why you NEED a side hustle to make life-changing money  How to launch a successful ecommerce business in 2023  Building a business with the goal of replacing your 9-5 salary  Staying relevant, outlasting AI, and achieving longevity in your business  How to arrive at “enough” so that you enjoy financial freedom without burning out  The best ways to protect your business against intellectual property (IP) theft  And So Much More!  Links from the Show  BiggerPockets Money Facebook Group  BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Mindy on BiggerPockets  Scott's Instagram  Grab Scott’s Book, “Set for Life”  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets  Money Moment  Grab Your Copy of “Set for Life: An All-Out Approach to Early Financial Freedom  The Most Profitable Skill to Learn (From a $200M+ VC Investor)  Pre-order The Family First Entrepreneur and Get $690 in FREE Bonuses  Learn How to Start a Thriving Ecommerce Business  Bumblebee Linens    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-418     Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email us: moneymoment@biggerpockets.com]]></description>
	<itunes:subtitle><![CDATA[An online side hustle that replaces your $100K salary in year one!? It sounds like an impossible feat, but today’s guest was able to achieve this by launching an unusual ecommerce business—allowing his wife to quit her job and stay at home with their kid]]></itunes:subtitle>
	<content:encoded><![CDATA[An online side hustle that replaces your $100K salary in year one!? It sounds like an impossible feat, but today’s guest was able to achieve this by launching an unusual ecommerce business—allowing his wife to quit her job and stay at home with their kids full-time!  Welcome back to another episode of the BiggerPockets Money podcast! Today, we’re chatting with Steve Chou, a serial entrepreneur, ecommerce influencer, and founder of MyWifeQuitHerJob.com. When Steve’s wife became pregnant with their first child, he was faced with the challenge of finding a side hustle that could replace his wife’s 9-5 income. Of course, living in Silicon Valley isn’t cheap, and replacing a $100K salary is much easier said than done. Despite these hurdles, Steve was able to turn one brilliant idea into a profitable business that has managed to grow every year since 2007.  If you’ve always wanted to start your own side hustle but are unsure where to begin, this episode is for aspiring entrepreneurs like you! Tune in to hear Steve share about the humble beginnings of his handkerchief side hustle, how to find ecommerce success in 2023, and achieving financial freedom without burning out. As always, Mindy and Scott bring their own financial expertise to the table and deliver some timely wisdom!    In This Episode We Cover  Why you NEED a side hustle to make life-changing money  How to launch a successful ecommerce business in 2023  Building a business with the goal of replacing your 9-5 salary  Staying relevant, outlasting AI, and achieving longevity in your business  How to arrive at “enough” so that you enjoy financial freedom without burning out  The best ways to protect your business against intellectual property (IP) theft  And So Much More!  Links from the Show  BiggerPockets Money Facebook Group  BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Mindy on BiggerPockets  Scott's Instagram  Grab Scott’s Book, “Set for Life”  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets  Money Moment  Grab Your Copy of “Set for Life: An All-Out Approach to Early Financial Freedom  The Most Profitable Skill to Learn (From a $200M+ VC Investor)  Pre-order The Family First Entrepreneur and Get $690 in FREE Bonuses  Learn How to Start a Thriving Ecommerce Business  Bumblebee Linens    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-418     Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email us: moneymoment@biggerpockets.com]]></content:encoded>
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	<itunes:summary><![CDATA[An online side hustle that replaces your $100K salary in year one!? It sounds like an impossible feat, but today’s guest was able to achieve this by launching an unusual ecommerce business—allowing his wife to quit her job and stay at home with their kids full-time!  Welcome back to another episode of the BiggerPockets Money podcast! Today, we’re chatting with Steve Chou, a serial entrepreneur, ecommerce influencer, and founder of MyWifeQuitHerJob.com. When Steve’s wife became pregnant with their first child, he was faced with the challenge of finding a side hustle that could replace his wife’s 9-5 income. Of course, living in Silicon Valley isn’t cheap, and replacing a $100K salary is much easier said than done. Despite these hurdles, Steve was able to turn one brilliant idea into a profitable business that has managed to grow every year since 2007.  If you’ve always wanted to start your own side hustle but are unsure where to begin, this episode is for aspiring entrepreneurs like you! Tune in to hear Steve share about the humble beginnings of his handkerchief side hustle, how to find ecommerce success in 2023, and achieving financial freedom without burning out. As always, Mindy and Scott bring their own financial expertise to the table and deliver some timely wisdom!    In This Episode We Cover  Why you NEED a side hustle to make life-changing money  How to launch a successful ecommerce business in 2023  Building a business with the goal of replacing your 9-5 salary  Staying relevant, outlasting AI, and achieving longevity in your business  How to arrive at “enough” so that you enjoy financial freedom without burning out  The best ways to protect your business against intellectual property (IP) theft  And So Much More!  Links from the Show  BiggerPockets Money Facebook Group  BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Mindy on BiggerPockets  Scott's Instagram  Grab Scott’s Book, “Set for Life”  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets  Money Moment  Grab Your Copy of “Set for Life: An All-Out Approach to Early Financial Freedom  The Most Profitable Skill to Learn (From a $200M+ VC Investor)  Pre-order The Family First Entrepreneur and Get $690 in FREE Bonuses  Learn How to Start a Thriving Ecommerce Business  Bumblebee Linens    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-418     Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email us: moneymoment@biggerpockets.com]]></itunes:summary>
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	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[An online side hustle that replaces your $100K salary in year one!? It sounds like an impossible feat, but today’s guest was able to achieve this by launching an unusual ecommerce business—allowing his wife to quit her job and stay at home with their kids full-time!  Welcome back to another episode of the BiggerPockets Money podcast! Today, we’re chatting with Steve Chou, a serial entrepreneur, ecommerce influencer, and founder of MyWifeQuitHerJob.com. When Steve’s wife became pregnant with their first child, he was faced with the challenge of finding a side hustle that could replace his wife’s 9-5 income. Of course, living in Silicon Valley isn’t cheap, and replacing a $100K salary is much easier said than done. Despite these hurdles, Steve was able to turn one brilliant idea into a profitable business that has managed to grow every year since 2007.  If you’ve always wanted to start your own side hustle but are unsure where to begin, this episode is for aspiring entrepreneurs like yo]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
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<item>
	<title>417: Finance Friday: Why I Spent $100K+ on My Four-Legged Friend</title>
	<link>https://biggerpocketsmoney.com/podcast/417-finance-friday-why-i-spent-100k-on-my-four-legged-friend/</link>
	<pubDate>Fri, 02 Jun 2023 06:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">636b2648-ae43-11ed-8737-53e7ee29cb4e</guid>
	<description><![CDATA[Pet insurance probably isn’t a top priority for you right now. Your budget might have health, car, and home insurance, but pet insurance? Is it really worth the cost? Today we talk to David, an engineer and part-time wilderness trip guide, who was hit with an astonishing amount of vet bills after his beloved four-legged friend, Blaze, was diagnosed with Lymphoma. This unexpected bill damaged David and his wife’s investing plans, but not all hope is lost.  If you have a dog, cat, rabbit, lizard, or other non-human friend (sorry, your kids don't count) living at home, this is an episode for you! We’ll get into the nitty-gritty of what happens when your pet has an unexpected medical diagnosis, leaving you with a mortgage-sized bill to pay every month. While many of us have animal companions that make our life whole, few realize the cost of paying for treatment when a life-threatening disease comes into play. You’ll hear about thepros and cons of pet insurance, whether or not it’s actually worth it, and the hard choices you may have to make when adopting or purchasing a pet.  But it’s not all bones and hairballs in this episode. Our guest David also has some exciting news about a six-figure business he and his wife are building. With David’s wife itching to start taking this income stream to new heights, David is debating whether or not giving up one of their stable incomes is worth the hit to their retirement accounts. Thankfully, Mindy and Scott find a workaround to keep them in a FIRE-first position!  In This Episode We Cover  The true cost of a sick pet and how to deal with six-figure vet bills  Pet insurance pros and cons and what to look for when choosing a policy  Serious side hustles and how to turn yours into a six-figure income stream  Keeping your stable job vs. following your passion and starting a business   Why reaching financial independence fast IS NOT for everyone (and what to do instead)  Cash reserves and why keeping your expenses low will help you deal with medical emergencies   Links from the Show  BiggerPockets Money Facebook Group  BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Mindy on BiggerPockets  Scott's Instagram  Grab Scott’s Book, “Set for Life”  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets  Money Moment  Take a Trip with Blaze Adventure Tours  Pet Insurance Links:  Healthypaws  Trupanion  Mid-Atlantic Federal Credit Union HELOCs  Click here to check the full show notes: https://www.biggerpockets.com/blog/money-417     Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email us: moneymoment@biggerpockets.com]]></description>
	<itunes:subtitle><![CDATA[Pet insurance probably isn’t a top priority for you right now. Your budget might have health, car, and home insurance, but pet insurance? Is it really worth the cost? Today we talk to David, an engineer and part-time wilderness trip guide, who was hit wi]]></itunes:subtitle>
	<content:encoded><![CDATA[Pet insurance probably isn’t a top priority for you right now. Your budget might have health, car, and home insurance, but pet insurance? Is it really worth the cost? Today we talk to David, an engineer and part-time wilderness trip guide, who was hit with an astonishing amount of vet bills after his beloved four-legged friend, Blaze, was diagnosed with Lymphoma. This unexpected bill damaged David and his wife’s investing plans, but not all hope is lost.  If you have a dog, cat, rabbit, lizard, or other non-human friend (sorry, your kids don't count) living at home, this is an episode for you! We’ll get into the nitty-gritty of what happens when your pet has an unexpected medical diagnosis, leaving you with a mortgage-sized bill to pay every month. While many of us have animal companions that make our life whole, few realize the cost of paying for treatment when a life-threatening disease comes into play. You’ll hear about thepros and cons of pet insurance, whether or not it’s actually worth it, and the hard choices you may have to make when adopting or purchasing a pet.  But it’s not all bones and hairballs in this episode. Our guest David also has some exciting news about a six-figure business he and his wife are building. With David’s wife itching to start taking this income stream to new heights, David is debating whether or not giving up one of their stable incomes is worth the hit to their retirement accounts. Thankfully, Mindy and Scott find a workaround to keep them in a FIRE-first position!  In This Episode We Cover  The true cost of a sick pet and how to deal with six-figure vet bills  Pet insurance pros and cons and what to look for when choosing a policy  Serious side hustles and how to turn yours into a six-figure income stream  Keeping your stable job vs. following your passion and starting a business   Why reaching financial independence fast IS NOT for everyone (and what to do instead)  Cash reserves and why keeping your expenses low will help you deal with medical emergencies   Links from the Show  BiggerPockets Money Facebook Group  BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Mindy on BiggerPockets  Scott's Instagram  Grab Scott’s Book, “Set for Life”  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets  Money Moment  Take a Trip with Blaze Adventure Tours  Pet Insurance Links:  Healthypaws  Trupanion  Mid-Atlantic Federal Credit Union HELOCs  Click here to check the full show notes: https://www.biggerpockets.com/blog/money-417     Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email us: moneymoment@biggerpockets.com]]></content:encoded>
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	<itunes:summary><![CDATA[Pet insurance probably isn’t a top priority for you right now. Your budget might have health, car, and home insurance, but pet insurance? Is it really worth the cost? Today we talk to David, an engineer and part-time wilderness trip guide, who was hit with an astonishing amount of vet bills after his beloved four-legged friend, Blaze, was diagnosed with Lymphoma. This unexpected bill damaged David and his wife’s investing plans, but not all hope is lost.  If you have a dog, cat, rabbit, lizard, or other non-human friend (sorry, your kids don't count) living at home, this is an episode for you! We’ll get into the nitty-gritty of what happens when your pet has an unexpected medical diagnosis, leaving you with a mortgage-sized bill to pay every month. While many of us have animal companions that make our life whole, few realize the cost of paying for treatment when a life-threatening disease comes into play. You’ll hear about thepros and cons of pet insurance, whether or not it’s actually worth it, and the hard choices you may have to make when adopting or purchasing a pet.  But it’s not all bones and hairballs in this episode. Our guest David also has some exciting news about a six-figure business he and his wife are building. With David’s wife itching to start taking this income stream to new heights, David is debating whether or not giving up one of their stable incomes is worth the hit to their retirement accounts. Thankfully, Mindy and Scott find a workaround to keep them in a FIRE-first position!  In This Episode We Cover  The true cost of a sick pet and how to deal with six-figure vet bills  Pet insurance pros and cons and what to look for when choosing a policy  Serious side hustles and how to turn yours into a six-figure income stream  Keeping your stable job vs. following your passion and starting a business   Why reaching financial independence fast IS NOT for everyone (and what to do instead)  Cash reserves and why keeping your expenses low will help you deal with medical emergencies   Links from the Show  BiggerPockets Money Facebook Group  BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Mindy on BiggerPockets  Scott's Instagram  Grab Scott’s Book, “Set for Life”  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets  Money Moment  Take a Trip with Blaze Adventure Tours  Pet Insurance Links:  Healthypaws  Trupanion  Mid-Atlantic Federal Credit Union HELOCs  Click here to check the full show notes: https://www.biggerpockets.com/blog/money-417     Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email us: moneymoment@biggerpockets.com]]></itunes:summary>
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	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[Pet insurance probably isn’t a top priority for you right now. Your budget might have health, car, and home insurance, but pet insurance? Is it really worth the cost? Today we talk to David, an engineer and part-time wilderness trip guide, who was hit with an astonishing amount of vet bills after his beloved four-legged friend, Blaze, was diagnosed with Lymphoma. This unexpected bill damaged David and his wife’s investing plans, but not all hope is lost.  If you have a dog, cat, rabbit, lizard, or other non-human friend (sorry, your kids don't count) living at home, this is an episode for you! We’ll get into the nitty-gritty of what happens when your pet has an unexpected medical diagnosis, leaving you with a mortgage-sized bill to pay every month. While many of us have animal companions that make our life whole, few realize the cost of paying for treatment when a life-threatening disease comes into play. You’ll hear about thepros and cons of pet insurance, whether or not it’s actuall]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
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<item>
	<title>416: Codie Sanchez: These “Boring Businesses” Will Make You Rich</title>
	<link>https://biggerpocketsmoney.com/podcast/416-codie-sanchez-these-boring-businesses-will-make-you-rich/</link>
	<pubDate>Mon, 29 May 2023 06:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">630b9a3e-ae43-11ed-8737-fbc6bf3129f9</guid>
	<description><![CDATA[Want to replace your nine-to-five? You'll need to know how to buy a business. And while you may think that you need to be some high-level executive or business-building savant, the reality is that TONS of profitable businesses are selling for pennies on the dollar, just waiting for you to come in, scoop them up, and start making six (or even seven) figures without doing all the work. This is the EXACT strategy that Codie Sanchez used to leave her high-paid banking career to make millions running so-called “boring” businesses.  Whether it’s a laundromat, landscaping service, or law firm, businesses are up for sale without you even knowing it. You DON’T need to be an industry expert to get in on any of these deals. Many of the businesses that Codie has bought have been outside of her core competency. She’s gotten so good at business-buying that Codie now helps other want-to-be entrepreneurs get out of their jobs and into businesses that’ll help them build wealth. Codie’s ten simple steps to business buying can help ANYONE buy, build, and profit from a “boring” business.  Codie breaks down exactly why she left the big paychecks behind to start buying businesses, the repeatable steps to acquiring and growing a business, which business you should be looking for, and five to NEVER buy. You’ll also hear how she funds these business purchases and what to do AFTER buying a business that massively multiplies revenue and makes you millions!  In This Episode We Cover  The “boring” businesses that can replace your salary and make you a millionaire  How to buy a business from start to finish and five business types you MUST avoid   Jobs vs. businesses and how to ensure you buy cash flow, not another nine-to-five  Codie’s buy box and EXACTLY what she looks for when acquiring a business  Where to find funding for business purchases (and which sellers will offer you financing)  Hiring, firing, and becoming the CEO of your first business  And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Mindy on BiggerPockets  Scott's Instagram  Grab Scott’s Book, “Set for Life”  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets  Money Moment  Hear Past BiggerPockets Episodes with Codie:  The Cash-Flow Boosting Businesses that Savvy Real Estate Investors Own  The MOST Profitable Skill to Learn (From a $200M+ VC Investor)  How to Buy Yourself a 6-Figure Income Stream w/Tim Delaney    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-416    Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email us: moneymoment@biggerpockets.com]]></description>
	<itunes:subtitle><![CDATA[Want to replace your nine-to-five? Youll need to know how to buy a business. And while you may think that you need to be some high-level executive or business-building savant, the reality is that TONS of profitable businesses are selling for pennies on t]]></itunes:subtitle>
	<content:encoded><![CDATA[Want to replace your nine-to-five? You'll need to know how to buy a business. And while you may think that you need to be some high-level executive or business-building savant, the reality is that TONS of profitable businesses are selling for pennies on the dollar, just waiting for you to come in, scoop them up, and start making six (or even seven) figures without doing all the work. This is the EXACT strategy that Codie Sanchez used to leave her high-paid banking career to make millions running so-called “boring” businesses.  Whether it’s a laundromat, landscaping service, or law firm, businesses are up for sale without you even knowing it. You DON’T need to be an industry expert to get in on any of these deals. Many of the businesses that Codie has bought have been outside of her core competency. She’s gotten so good at business-buying that Codie now helps other want-to-be entrepreneurs get out of their jobs and into businesses that’ll help them build wealth. Codie’s ten simple steps to business buying can help ANYONE buy, build, and profit from a “boring” business.  Codie breaks down exactly why she left the big paychecks behind to start buying businesses, the repeatable steps to acquiring and growing a business, which business you should be looking for, and five to NEVER buy. You’ll also hear how she funds these business purchases and what to do AFTER buying a business that massively multiplies revenue and makes you millions!  In This Episode We Cover  The “boring” businesses that can replace your salary and make you a millionaire  How to buy a business from start to finish and five business types you MUST avoid   Jobs vs. businesses and how to ensure you buy cash flow, not another nine-to-five  Codie’s buy box and EXACTLY what she looks for when acquiring a business  Where to find funding for business purchases (and which sellers will offer you financing)  Hiring, firing, and becoming the CEO of your first business  And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Mindy on BiggerPockets  Scott's Instagram  Grab Scott’s Book, “Set for Life”  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets  Money Moment  Hear Past BiggerPockets Episodes with Codie:  The Cash-Flow Boosting Businesses that Savvy Real Estate Investors Own  The MOST Profitable Skill to Learn (From a $200M+ VC Investor)  How to Buy Yourself a 6-Figure Income Stream w/Tim Delaney    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-416    Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email us: moneymoment@biggerpockets.com]]></content:encoded>
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	<itunes:summary><![CDATA[Want to replace your nine-to-five? You'll need to know how to buy a business. And while you may think that you need to be some high-level executive or business-building savant, the reality is that TONS of profitable businesses are selling for pennies on the dollar, just waiting for you to come in, scoop them up, and start making six (or even seven) figures without doing all the work. This is the EXACT strategy that Codie Sanchez used to leave her high-paid banking career to make millions running so-called “boring” businesses.  Whether it’s a laundromat, landscaping service, or law firm, businesses are up for sale without you even knowing it. You DON’T need to be an industry expert to get in on any of these deals. Many of the businesses that Codie has bought have been outside of her core competency. She’s gotten so good at business-buying that Codie now helps other want-to-be entrepreneurs get out of their jobs and into businesses that’ll help them build wealth. Codie’s ten simple steps to business buying can help ANYONE buy, build, and profit from a “boring” business.  Codie breaks down exactly why she left the big paychecks behind to start buying businesses, the repeatable steps to acquiring and growing a business, which business you should be looking for, and five to NEVER buy. You’ll also hear how she funds these business purchases and what to do AFTER buying a business that massively multiplies revenue and makes you millions!  In This Episode We Cover  The “boring” businesses that can replace your salary and make you a millionaire  How to buy a business from start to finish and five business types you MUST avoid   Jobs vs. businesses and how to ensure you buy cash flow, not another nine-to-five  Codie’s buy box and EXACTLY what she looks for when acquiring a business  Where to find funding for business purchases (and which sellers will offer you financing)  Hiring, firing, and becoming the CEO of your first business  And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Mindy on BiggerPockets  Scott's Instagram  Grab Scott’s Book, “Set for Life”  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets  Money Moment  Hear Past BiggerPockets Episodes with Codie:  The Cash-Flow Boosting Businesses that Savvy Real Estate Investors Own  The MOST Profitable Skill to Learn (From a $200M+ VC Investor)  How to Buy Yourself a 6-Figure Income Stream w/Tim Delaney    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-416    Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email us: moneymoment@biggerpockets.com]]></itunes:summary>
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	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[Want to replace your nine-to-five? You'll need to know how to buy a business. And while you may think that you need to be some high-level executive or business-building savant, the reality is that TONS of profitable businesses are selling for pennies on the dollar, just waiting for you to come in, scoop them up, and start making six (or even seven) figures without doing all the work. This is the EXACT strategy that Codie Sanchez used to leave her high-paid banking career to make millions running so-called “boring” businesses.  Whether it’s a laundromat, landscaping service, or law firm, businesses are up for sale without you even knowing it. You DON’T need to be an industry expert to get in on any of these deals. Many of the businesses that Codie has bought have been outside of her core competency. She’s gotten so good at business-buying that Codie now helps other want-to-be entrepreneurs get out of their jobs and into businesses that’ll help them build wealth. Codie’s ten simple step]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
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<item>
	<title>415: Finance Friday: How to Achieve Your “Dream Life” Decades Before Retirement</title>
	<link>https://biggerpocketsmoney.com/podcast/415-finance-friday-how-to-achieve-your-dream-life-decades-before-retirement/</link>
	<pubDate>Fri, 26 May 2023 06:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
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	<description><![CDATA[Retirement is always some far-off goal. When you’re older and much more wealthy, you can live the golden years of your life without a care in the world. The problem? None of us know how much time we have left, how healthy we’ll be as we age, and whether or not these years are the best we’ll ever get. So, why wait to retire in your sixties when it’s possible to retire in your twenties, thirties, forties, or fifties? If you had the choice to live your ideal life NOW, wouldn’t you choose to do so?  On this Finance Friday episode, we talk to Sara, who had a recent wake-up call about waiting for retirement. While on a casual run, Sara suffered sudden cardiac arrest, prompting her to be put into a medically-induced coma. Without any signs of something like this happening, Sara started to ask whether or not she was living her life to the best of her ability and if waiting for retirement age was worth the risk.  With six figures in student debt from her husband but solid salaries to support their low-cost-of-living lifestyle, Sara wants to know how she can transition to part-time work while still saving and investing for early retirement. Thanks to smart decisions Sara has made, she’s in a phenomenal position to take her foot off the gas, but how can she do so without sacrificing her future?    In This Episode We Cover  Student loans and whether to pay off debt or invest for early retirement  Switching from full-time work to part-time hours while keeping benefits and saving your sanity  Planning your “ideal life” and why waiting until traditional retirement age could be a big mistake  Cash reserves and how much you should have when planning to leave a full-time salary  Building your investment plan based on what you (and your partner) really want out of life  And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Mindy on BiggerPockets  Scott's Instagram  Grab Scott’s Book, “Set for Life”  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets  Money Moment  Scott Trench’s Step-by-Step Guide to Building Your Perfect, 1-Page Investment Plan  How to Retire Early (From Someone Who Did at Age 27)  Should You Pay Off Debt or Invest?    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-415    Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email us: advertise@biggerpockets.com]]></description>
	<itunes:subtitle><![CDATA[Retirement is always some far-off goal. When you’re older and much more wealthy, you can live the golden years of your life without a care in the world. The problem? None of us know how much time we have left, how healthy we’ll be as we age, and whether ]]></itunes:subtitle>
	<content:encoded><![CDATA[Retirement is always some far-off goal. When you’re older and much more wealthy, you can live the golden years of your life without a care in the world. The problem? None of us know how much time we have left, how healthy we’ll be as we age, and whether or not these years are the best we’ll ever get. So, why wait to retire in your sixties when it’s possible to retire in your twenties, thirties, forties, or fifties? If you had the choice to live your ideal life NOW, wouldn’t you choose to do so?  On this Finance Friday episode, we talk to Sara, who had a recent wake-up call about waiting for retirement. While on a casual run, Sara suffered sudden cardiac arrest, prompting her to be put into a medically-induced coma. Without any signs of something like this happening, Sara started to ask whether or not she was living her life to the best of her ability and if waiting for retirement age was worth the risk.  With six figures in student debt from her husband but solid salaries to support their low-cost-of-living lifestyle, Sara wants to know how she can transition to part-time work while still saving and investing for early retirement. Thanks to smart decisions Sara has made, she’s in a phenomenal position to take her foot off the gas, but how can she do so without sacrificing her future?    In This Episode We Cover  Student loans and whether to pay off debt or invest for early retirement  Switching from full-time work to part-time hours while keeping benefits and saving your sanity  Planning your “ideal life” and why waiting until traditional retirement age could be a big mistake  Cash reserves and how much you should have when planning to leave a full-time salary  Building your investment plan based on what you (and your partner) really want out of life  And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Mindy on BiggerPockets  Scott's Instagram  Grab Scott’s Book, “Set for Life”  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets  Money Moment  Scott Trench’s Step-by-Step Guide to Building Your Perfect, 1-Page Investment Plan  How to Retire Early (From Someone Who Did at Age 27)  Should You Pay Off Debt or Invest?    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-415    Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email us: advertise@biggerpockets.com]]></content:encoded>
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	<itunes:summary><![CDATA[Retirement is always some far-off goal. When you’re older and much more wealthy, you can live the golden years of your life without a care in the world. The problem? None of us know how much time we have left, how healthy we’ll be as we age, and whether or not these years are the best we’ll ever get. So, why wait to retire in your sixties when it’s possible to retire in your twenties, thirties, forties, or fifties? If you had the choice to live your ideal life NOW, wouldn’t you choose to do so?  On this Finance Friday episode, we talk to Sara, who had a recent wake-up call about waiting for retirement. While on a casual run, Sara suffered sudden cardiac arrest, prompting her to be put into a medically-induced coma. Without any signs of something like this happening, Sara started to ask whether or not she was living her life to the best of her ability and if waiting for retirement age was worth the risk.  With six figures in student debt from her husband but solid salaries to support their low-cost-of-living lifestyle, Sara wants to know how she can transition to part-time work while still saving and investing for early retirement. Thanks to smart decisions Sara has made, she’s in a phenomenal position to take her foot off the gas, but how can she do so without sacrificing her future?    In This Episode We Cover  Student loans and whether to pay off debt or invest for early retirement  Switching from full-time work to part-time hours while keeping benefits and saving your sanity  Planning your “ideal life” and why waiting until traditional retirement age could be a big mistake  Cash reserves and how much you should have when planning to leave a full-time salary  Building your investment plan based on what you (and your partner) really want out of life  And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Mindy on BiggerPockets  Scott's Instagram  Grab Scott’s Book, “Set for Life”  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets  Money Moment  Scott Trench’s Step-by-Step Guide to Building Your Perfect, 1-Page Investment Plan  How to Retire Early (From Someone Who Did at Age 27)  Should You Pay Off Debt or Invest?    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-415    Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email us: advertise@biggerpockets.com]]></itunes:summary>
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	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[Retirement is always some far-off goal. When you’re older and much more wealthy, you can live the golden years of your life without a care in the world. The problem? None of us know how much time we have left, how healthy we’ll be as we age, and whether or not these years are the best we’ll ever get. So, why wait to retire in your sixties when it’s possible to retire in your twenties, thirties, forties, or fifties? If you had the choice to live your ideal life NOW, wouldn’t you choose to do so?  On this Finance Friday episode, we talk to Sara, who had a recent wake-up call about waiting for retirement. While on a casual run, Sara suffered sudden cardiac arrest, prompting her to be put into a medically-induced coma. Without any signs of something like this happening, Sara started to ask whether or not she was living her life to the best of her ability and if waiting for retirement age was worth the risk.  With six figures in student debt from her husband but solid salaries to support t]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
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<item>
	<title>414: Nicole Lapin&#8217;s Money Hacks to Rehab Your Finances &#038; Say Goodbye to Bad Debt</title>
	<link>https://biggerpocketsmoney.com/podcast/414-nicole-lapins-money-hacks-to-rehab-your-finances-say-goodbye-to-bad-debt/</link>
	<pubDate>Mon, 22 May 2023 06:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
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	<description><![CDATA[Wish you had a few money hacks to help with things like getting out of debt, finding the right assets to invest in, and growing your nest egg? The average person may not even know where to start! Today’s guest is using her platform to help simplify money concepts and improve financial literacy at a time when it is sorely lacking.  Welcome back to another edition of the BiggerPockets Money podcast! Today, we’re joined by Nicole Lapin, founder of the Money News Network, host of Money Rehab with Nicole Lapin, and author of multiple New York Times and Wall Street Journal bestselling books, including Rich Bitch, Boss Bitch, Miss Independent, and Becoming Super Woman. Born into a first-generation American family, Nicole lacked financial literacy early on in life and was easily intimidated by financial concepts. Only after learning the language of money was she able to take control of her finances and pay off the consumer debt she had accumulated.  In this episode, Nicole spills some of the top money hacks she has learned over the past 20 years. Wherever you are in your financial journey—whether it’s neck-deep in consumer debt or well on your way towards achieving financial independence and retiring early—you won’t want to miss what Mindy, Scott, and Nicole have to share about investing in today’s climate, assessing your risk tolerance, and making the most out of your money!    In This Episode We Cover  Money hacks for investing and rehabbing your personal finances  Two methods of getting out (and staying out) of consumer debt  How to create a “spending” plan using the “three E’s”  Living below your means to fast-track your journey towards financial freedom  How to assess your risk tolerance and find the right assets to invest in  An alternative to financial independence, retire early (that could allow you to “retire” even sooner!)  And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Mindy on BiggerPockets  Scott's Instagram  Grab Scott’s Book, “Set for Life”  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets  Money Moment  The Pillars of FI: Designing the Life You Want  12 Things to Give Up to Become Debt-Free This Year    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-414    Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email us: advertise@biggerpockets.com]]></description>
	<itunes:subtitle><![CDATA[Wish you had a few money hacks to help with things like getting out of debt, finding the right assets to invest in, and growing your nest egg? The average person may not even know where to start! Today’s guest is using her platform to help simplify money]]></itunes:subtitle>
	<content:encoded><![CDATA[Wish you had a few money hacks to help with things like getting out of debt, finding the right assets to invest in, and growing your nest egg? The average person may not even know where to start! Today’s guest is using her platform to help simplify money concepts and improve financial literacy at a time when it is sorely lacking.  Welcome back to another edition of the BiggerPockets Money podcast! Today, we’re joined by Nicole Lapin, founder of the Money News Network, host of Money Rehab with Nicole Lapin, and author of multiple New York Times and Wall Street Journal bestselling books, including Rich Bitch, Boss Bitch, Miss Independent, and Becoming Super Woman. Born into a first-generation American family, Nicole lacked financial literacy early on in life and was easily intimidated by financial concepts. Only after learning the language of money was she able to take control of her finances and pay off the consumer debt she had accumulated.  In this episode, Nicole spills some of the top money hacks she has learned over the past 20 years. Wherever you are in your financial journey—whether it’s neck-deep in consumer debt or well on your way towards achieving financial independence and retiring early—you won’t want to miss what Mindy, Scott, and Nicole have to share about investing in today’s climate, assessing your risk tolerance, and making the most out of your money!    In This Episode We Cover  Money hacks for investing and rehabbing your personal finances  Two methods of getting out (and staying out) of consumer debt  How to create a “spending” plan using the “three E’s”  Living below your means to fast-track your journey towards financial freedom  How to assess your risk tolerance and find the right assets to invest in  An alternative to financial independence, retire early (that could allow you to “retire” even sooner!)  And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Mindy on BiggerPockets  Scott's Instagram  Grab Scott’s Book, “Set for Life”  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets  Money Moment  The Pillars of FI: Designing the Life You Want  12 Things to Give Up to Become Debt-Free This Year    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-414    Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email us: advertise@biggerpockets.com]]></content:encoded>
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	<itunes:summary><![CDATA[Wish you had a few money hacks to help with things like getting out of debt, finding the right assets to invest in, and growing your nest egg? The average person may not even know where to start! Today’s guest is using her platform to help simplify money concepts and improve financial literacy at a time when it is sorely lacking.  Welcome back to another edition of the BiggerPockets Money podcast! Today, we’re joined by Nicole Lapin, founder of the Money News Network, host of Money Rehab with Nicole Lapin, and author of multiple New York Times and Wall Street Journal bestselling books, including Rich Bitch, Boss Bitch, Miss Independent, and Becoming Super Woman. Born into a first-generation American family, Nicole lacked financial literacy early on in life and was easily intimidated by financial concepts. Only after learning the language of money was she able to take control of her finances and pay off the consumer debt she had accumulated.  In this episode, Nicole spills some of the top money hacks she has learned over the past 20 years. Wherever you are in your financial journey—whether it’s neck-deep in consumer debt or well on your way towards achieving financial independence and retiring early—you won’t want to miss what Mindy, Scott, and Nicole have to share about investing in today’s climate, assessing your risk tolerance, and making the most out of your money!    In This Episode We Cover  Money hacks for investing and rehabbing your personal finances  Two methods of getting out (and staying out) of consumer debt  How to create a “spending” plan using the “three E’s”  Living below your means to fast-track your journey towards financial freedom  How to assess your risk tolerance and find the right assets to invest in  An alternative to financial independence, retire early (that could allow you to “retire” even sooner!)  And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Mindy on BiggerPockets  Scott's Instagram  Grab Scott’s Book, “Set for Life”  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets  Money Moment  The Pillars of FI: Designing the Life You Want  12 Things to Give Up to Become Debt-Free This Year    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-414    Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email us: advertise@biggerpockets.com]]></itunes:summary>
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	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[Wish you had a few money hacks to help with things like getting out of debt, finding the right assets to invest in, and growing your nest egg? The average person may not even know where to start! Today’s guest is using her platform to help simplify money concepts and improve financial literacy at a time when it is sorely lacking.  Welcome back to another edition of the BiggerPockets Money podcast! Today, we’re joined by Nicole Lapin, founder of the Money News Network, host of Money Rehab with Nicole Lapin, and author of multiple New York Times and Wall Street Journal bestselling books, including Rich Bitch, Boss Bitch, Miss Independent, and Becoming Super Woman. Born into a first-generation American family, Nicole lacked financial literacy early on in life and was easily intimidated by financial concepts. Only after learning the language of money was she able to take control of her finances and pay off the consumer debt she had accumulated.  In this episode, Nicole spills some of the ]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
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<item>
	<title>413: Finance Friday: How to Use Your Home to Retire YEARS Earlier</title>
	<link>https://biggerpocketsmoney.com/podcast/413-finance-friday-how-to-use-your-home-to-retire-years-earlier/</link>
	<pubDate>Fri, 19 May 2023 06:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">9df38b14-bed0-11ed-beb9-5bbf8b6bd695</guid>
	<description><![CDATA[Early retirement is possible for almost anyone, no matter where you start or how much you make. If you can sacrifice and save more than you spend, there’s a good chance you could retire years or even decades earlier than the rest. In fact,you can retire early on a median income salary without any retirement savings to start with…but you’ll need to do one crucial thing. As you’ll see from today’s guests, David and Danielle, one smart purchase may have set them up for life!  We’re back with another Finance Friday, where we talk to David and Danielle, two median-income earners trying to figure out the right path to early retirement. After Danielle’s sales-based burnout, the couple has been surviving with just one income, cutting it close every month. But, with a return to work on the calendar for Danielle, the chances of financial freedom are looking bright. But where do they go from here?  With David and Danielle’s real estate dreams, Scott and Mindy come up with a handful of ways that this couple could use their primary residence to bolster their chances of early retirement and allow them to save a significant amount of money every month. So if you feel like you’re starting over on the path to FIRE and don’t know which move is right, this is an episode for you!  In This Episode We Cover  How to use your home to retire early and start investing  Grocery shopping, food bills, and how to stop eating your money every month  Legal fees and accounting for lawyer bills during an ongoing dispute   House hacking and living for free while renting out spare space  Assumable loans and upgrading your property when you have LOTS of equity  And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Mindy on BiggerPockets  Scott's Instagram  Grab Scott’s Book, “Set for Life”  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets  Money Moment  House Hacking: A Beginners Guide to Living for Free  Grocery Shopping Got a Hold on Your Wallet? Check Out These Episodes: Cutting Your Grocery Bill in Half  The Most Efficient Path to Financial Freedom  Food Spending Eating Away at Your FI Plans? Here’s How to Eat for Cheap  Slash Your Food Budget by $150+ Per Week with EASY, Healthy, and Tasty Meals    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-413    Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email us: advertise@biggerpockets.com]]></description>
	<itunes:subtitle><![CDATA[Early retirement is possible for almost anyone, no matter where you start or how much you make. If you can sacrifice and save more than you spend, there’s a good chance you could retire years or even decades earlier than the rest. In fact,you can retire ]]></itunes:subtitle>
	<content:encoded><![CDATA[Early retirement is possible for almost anyone, no matter where you start or how much you make. If you can sacrifice and save more than you spend, there’s a good chance you could retire years or even decades earlier than the rest. In fact,you can retire early on a median income salary without any retirement savings to start with…but you’ll need to do one crucial thing. As you’ll see from today’s guests, David and Danielle, one smart purchase may have set them up for life!  We’re back with another Finance Friday, where we talk to David and Danielle, two median-income earners trying to figure out the right path to early retirement. After Danielle’s sales-based burnout, the couple has been surviving with just one income, cutting it close every month. But, with a return to work on the calendar for Danielle, the chances of financial freedom are looking bright. But where do they go from here?  With David and Danielle’s real estate dreams, Scott and Mindy come up with a handful of ways that this couple could use their primary residence to bolster their chances of early retirement and allow them to save a significant amount of money every month. So if you feel like you’re starting over on the path to FIRE and don’t know which move is right, this is an episode for you!  In This Episode We Cover  How to use your home to retire early and start investing  Grocery shopping, food bills, and how to stop eating your money every month  Legal fees and accounting for lawyer bills during an ongoing dispute   House hacking and living for free while renting out spare space  Assumable loans and upgrading your property when you have LOTS of equity  And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Mindy on BiggerPockets  Scott's Instagram  Grab Scott’s Book, “Set for Life”  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets  Money Moment  House Hacking: A Beginners Guide to Living for Free  Grocery Shopping Got a Hold on Your Wallet? Check Out These Episodes: Cutting Your Grocery Bill in Half  The Most Efficient Path to Financial Freedom  Food Spending Eating Away at Your FI Plans? Here’s How to Eat for Cheap  Slash Your Food Budget by $150+ Per Week with EASY, Healthy, and Tasty Meals    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-413    Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email us: advertise@biggerpockets.com]]></content:encoded>
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	<itunes:summary><![CDATA[Early retirement is possible for almost anyone, no matter where you start or how much you make. If you can sacrifice and save more than you spend, there’s a good chance you could retire years or even decades earlier than the rest. In fact,you can retire early on a median income salary without any retirement savings to start with…but you’ll need to do one crucial thing. As you’ll see from today’s guests, David and Danielle, one smart purchase may have set them up for life!  We’re back with another Finance Friday, where we talk to David and Danielle, two median-income earners trying to figure out the right path to early retirement. After Danielle’s sales-based burnout, the couple has been surviving with just one income, cutting it close every month. But, with a return to work on the calendar for Danielle, the chances of financial freedom are looking bright. But where do they go from here?  With David and Danielle’s real estate dreams, Scott and Mindy come up with a handful of ways that this couple could use their primary residence to bolster their chances of early retirement and allow them to save a significant amount of money every month. So if you feel like you’re starting over on the path to FIRE and don’t know which move is right, this is an episode for you!  In This Episode We Cover  How to use your home to retire early and start investing  Grocery shopping, food bills, and how to stop eating your money every month  Legal fees and accounting for lawyer bills during an ongoing dispute   House hacking and living for free while renting out spare space  Assumable loans and upgrading your property when you have LOTS of equity  And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Mindy on BiggerPockets  Scott's Instagram  Grab Scott’s Book, “Set for Life”  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets  Money Moment  House Hacking: A Beginners Guide to Living for Free  Grocery Shopping Got a Hold on Your Wallet? Check Out These Episodes: Cutting Your Grocery Bill in Half  The Most Efficient Path to Financial Freedom  Food Spending Eating Away at Your FI Plans? Here’s How to Eat for Cheap  Slash Your Food Budget by $150+ Per Week with EASY, Healthy, and Tasty Meals    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-413    Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email us: advertise@biggerpockets.com]]></itunes:summary>
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	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[Early retirement is possible for almost anyone, no matter where you start or how much you make. If you can sacrifice and save more than you spend, there’s a good chance you could retire years or even decades earlier than the rest. In fact,you can retire early on a median income salary without any retirement savings to start with…but you’ll need to do one crucial thing. As you’ll see from today’s guests, David and Danielle, one smart purchase may have set them up for life!  We’re back with another Finance Friday, where we talk to David and Danielle, two median-income earners trying to figure out the right path to early retirement. After Danielle’s sales-based burnout, the couple has been surviving with just one income, cutting it close every month. But, with a return to work on the calendar for Danielle, the chances of financial freedom are looking bright. But where do they go from here?  With David and Danielle’s real estate dreams, Scott and Mindy come up with a handful of ways that ]]></googleplay:description>
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<item>
	<title>411: How to “Quiet Quit” Your 9-5 Job and Become a Full-Time Boss</title>
	<link>https://biggerpocketsmoney.com/podcast/411-how-to-quiet-quit-your-9-5-job-and-become-a-full-time-boss/</link>
	<pubDate>Mon, 15 May 2023 06:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
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	<description><![CDATA[While the job of a full-time content creator might seem glamorous from the outside looking in, make no mistake—there’s plenty of work involved, and it’s not always easy to get your business off the ground. Our next guest spent years building up her content creation platform while continuing to work her nine-to-five tech job before she made her first six figures!  Welcome back to another episode of the BiggerPockets Money podcast! Today, Scott and Amanda are joined by Gabrielle Judge, a content creator and emerging thought leader for the Gen Z workforce. Gabrielle is helping to usher in the next phase of work-life balance with “quiet quitting”—an oft-misunderstood concept that has less to do with being lazy and much more to do with assessing your return on investment (ROI) at work and creating space for your other goals and passions.  Whether you’re interested in content creation or tired of working for “the man,” you won’t want to miss out on all that Gabrielle has to share. She offers a handful of top tips on how to cultivate a side hustle so that it one day becomes a full-time job—including credit card stacking to access a large line of credit for new business ventures, becoming a hard money lender, and using Chat GPT to help you leave your current job and land your next one faster!  In This Episode We Cover  The real meaning of “quiet quitting” and how to set boundaries at work  Growing a side hustle and turning it into your full-time job  Viewing yourself as a business and evaluating your ROI at work  Credit card stacking to access a large, unsecured line of credit  How to become a bank for someone else through hard money lending  Leveraging Chat GPT to streamline the job application process and get a bigger paycheck  And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Amanda's Instagram  Scott's Instagram  Grab Scott’s Book, “Set for Life”  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  The Real Estate Rookie Podcast  Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets  She Wolf of Wall Street Website  10 Tips For Leaving Your 9-5 and Adjusting to Life as an Entrepreneur  How to Start a Profitable Side Hustle  Start Credit Card Stacking with Fund&Grow    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-411    Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Let us know!]]></description>
	<itunes:subtitle><![CDATA[While the job of a full-time content creator might seem glamorous from the outside looking in, make no mistake—there’s plenty of work involved, and it’s not always easy to get your business off the ground. Our next guest spent years building up her conte]]></itunes:subtitle>
	<content:encoded><![CDATA[While the job of a full-time content creator might seem glamorous from the outside looking in, make no mistake—there’s plenty of work involved, and it’s not always easy to get your business off the ground. Our next guest spent years building up her content creation platform while continuing to work her nine-to-five tech job before she made her first six figures!  Welcome back to another episode of the BiggerPockets Money podcast! Today, Scott and Amanda are joined by Gabrielle Judge, a content creator and emerging thought leader for the Gen Z workforce. Gabrielle is helping to usher in the next phase of work-life balance with “quiet quitting”—an oft-misunderstood concept that has less to do with being lazy and much more to do with assessing your return on investment (ROI) at work and creating space for your other goals and passions.  Whether you’re interested in content creation or tired of working for “the man,” you won’t want to miss out on all that Gabrielle has to share. She offers a handful of top tips on how to cultivate a side hustle so that it one day becomes a full-time job—including credit card stacking to access a large line of credit for new business ventures, becoming a hard money lender, and using Chat GPT to help you leave your current job and land your next one faster!  In This Episode We Cover  The real meaning of “quiet quitting” and how to set boundaries at work  Growing a side hustle and turning it into your full-time job  Viewing yourself as a business and evaluating your ROI at work  Credit card stacking to access a large, unsecured line of credit  How to become a bank for someone else through hard money lending  Leveraging Chat GPT to streamline the job application process and get a bigger paycheck  And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Amanda's Instagram  Scott's Instagram  Grab Scott’s Book, “Set for Life”  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  The Real Estate Rookie Podcast  Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets  She Wolf of Wall Street Website  10 Tips For Leaving Your 9-5 and Adjusting to Life as an Entrepreneur  How to Start a Profitable Side Hustle  Start Credit Card Stacking with Fund&Grow    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-411    Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Let us know!]]></content:encoded>
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	<itunes:summary><![CDATA[While the job of a full-time content creator might seem glamorous from the outside looking in, make no mistake—there’s plenty of work involved, and it’s not always easy to get your business off the ground. Our next guest spent years building up her content creation platform while continuing to work her nine-to-five tech job before she made her first six figures!  Welcome back to another episode of the BiggerPockets Money podcast! Today, Scott and Amanda are joined by Gabrielle Judge, a content creator and emerging thought leader for the Gen Z workforce. Gabrielle is helping to usher in the next phase of work-life balance with “quiet quitting”—an oft-misunderstood concept that has less to do with being lazy and much more to do with assessing your return on investment (ROI) at work and creating space for your other goals and passions.  Whether you’re interested in content creation or tired of working for “the man,” you won’t want to miss out on all that Gabrielle has to share. She offers a handful of top tips on how to cultivate a side hustle so that it one day becomes a full-time job—including credit card stacking to access a large line of credit for new business ventures, becoming a hard money lender, and using Chat GPT to help you leave your current job and land your next one faster!  In This Episode We Cover  The real meaning of “quiet quitting” and how to set boundaries at work  Growing a side hustle and turning it into your full-time job  Viewing yourself as a business and evaluating your ROI at work  Credit card stacking to access a large, unsecured line of credit  How to become a bank for someone else through hard money lending  Leveraging Chat GPT to streamline the job application process and get a bigger paycheck  And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Amanda's Instagram  Scott's Instagram  Grab Scott’s Book, “Set for Life”  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  The Real Estate Rookie Podcast  Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets  She Wolf of Wall Street Website  10 Tips For Leaving Your 9-5 and Adjusting to Life as an Entrepreneur  How to Start a Profitable Side Hustle  Start Credit Card Stacking with Fund&Grow    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-411    Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Let us know!]]></itunes:summary>
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	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[While the job of a full-time content creator might seem glamorous from the outside looking in, make no mistake—there’s plenty of work involved, and it’s not always easy to get your business off the ground. Our next guest spent years building up her content creation platform while continuing to work her nine-to-five tech job before she made her first six figures!  Welcome back to another episode of the BiggerPockets Money podcast! Today, Scott and Amanda are joined by Gabrielle Judge, a content creator and emerging thought leader for the Gen Z workforce. Gabrielle is helping to usher in the next phase of work-life balance with “quiet quitting”—an oft-misunderstood concept that has less to do with being lazy and much more to do with assessing your return on investment (ROI) at work and creating space for your other goals and passions.  Whether you’re interested in content creation or tired of working for “the man,” you won’t want to miss out on all that Gabrielle has to share. She offer]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
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<item>
	<title>410: From Homeless at 14 to Debt-Free Homeowner AFTER Prison Time</title>
	<link>https://biggerpocketsmoney.com/podcast/410-from-homeless-at-14-to-debt-free-homeowner-after-prison-time/</link>
	<pubDate>Fri, 12 May 2023 06:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
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	<description><![CDATA[A debt-free homeowner with an emergency fund and a keen eye for personal finance? A few years ago, Jazmyn Gray wouldn’t have dreamed that’s how her life turned out. From a young age, Jazmyn was thrown into drug addiction, homelessness, a life of crime, and later, prison time. She was a teenage mother whose silver lining was running a successful business until she was robbed, abused, and pushed into relapsing. But that’s not Jazmyn’s whole story.  Through some entrepreneurial pursuits behind bars and putting her finances first, Jazmyn has had an almost unbelievable path to recovery. Even after her time in prison, Jazmyn was forced to pay restitution and other debts she had piled up before her incarceration. However, through a chance meeting with none other than our own Scott Trench, Jazmyn was given the master plan she needed to rebuild her financial position, even when the odds were stacked against her.  Now, in a completely different position than she was in just a few years ago, Jazmyn is ready to tell her whole story, not only to provide hope to those that need it but give actionable steps to improving your financial life. You’ll hear how she built a six-figure business within a few months, how she recently bought a house with a record low interest rate, the debt snowball method she used to become debt-free faster than most Americans, and how she’s using her rough road to help others build their own wealth.  In This Episode We Cover  Hitting financial rock bottom and starting your journey when you have nothing  Building a six-figure business and what caused Jazmyn to give up hers  Homelessness, drug addiction, and fighting to survive as a teenager  The “debt snowball” method Jazmyn used to pay off her debt in record time   Buying your first home and how to do so only a few years after being dead broke  Jazmyn’s easily-repeatable advice for ANYONE starting their financial journey   And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Mindy on BiggerPockets  Scott's Instagram  Grab Scott’s Book, “Set for Life”  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  The Real Estate Rookie Podcast  Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets  Money Moment  From Extreme Poverty to DIY Wealth and 2 Full-Time Incomes  12 Things to Give Up to Become Debt-Free This Year  Get Involved with CrossPurpose    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-410    Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Let us know!]]></description>
	<itunes:subtitle><![CDATA[A debt-free homeowner with an emergency fund and a keen eye for personal finance? A few years ago, Jazmyn Gray wouldn’t have dreamed that’s how her life turned out. From a young age, Jazmyn was thrown into drug addiction, homelessness, a life of crime, a]]></itunes:subtitle>
	<content:encoded><![CDATA[A debt-free homeowner with an emergency fund and a keen eye for personal finance? A few years ago, Jazmyn Gray wouldn’t have dreamed that’s how her life turned out. From a young age, Jazmyn was thrown into drug addiction, homelessness, a life of crime, and later, prison time. She was a teenage mother whose silver lining was running a successful business until she was robbed, abused, and pushed into relapsing. But that’s not Jazmyn’s whole story.  Through some entrepreneurial pursuits behind bars and putting her finances first, Jazmyn has had an almost unbelievable path to recovery. Even after her time in prison, Jazmyn was forced to pay restitution and other debts she had piled up before her incarceration. However, through a chance meeting with none other than our own Scott Trench, Jazmyn was given the master plan she needed to rebuild her financial position, even when the odds were stacked against her.  Now, in a completely different position than she was in just a few years ago, Jazmyn is ready to tell her whole story, not only to provide hope to those that need it but give actionable steps to improving your financial life. You’ll hear how she built a six-figure business within a few months, how she recently bought a house with a record low interest rate, the debt snowball method she used to become debt-free faster than most Americans, and how she’s using her rough road to help others build their own wealth.  In This Episode We Cover  Hitting financial rock bottom and starting your journey when you have nothing  Building a six-figure business and what caused Jazmyn to give up hers  Homelessness, drug addiction, and fighting to survive as a teenager  The “debt snowball” method Jazmyn used to pay off her debt in record time   Buying your first home and how to do so only a few years after being dead broke  Jazmyn’s easily-repeatable advice for ANYONE starting their financial journey   And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Mindy on BiggerPockets  Scott's Instagram  Grab Scott’s Book, “Set for Life”  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  The Real Estate Rookie Podcast  Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets  Money Moment  From Extreme Poverty to DIY Wealth and 2 Full-Time Incomes  12 Things to Give Up to Become Debt-Free This Year  Get Involved with CrossPurpose    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-410    Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Let us know!]]></content:encoded>
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	<itunes:summary><![CDATA[A debt-free homeowner with an emergency fund and a keen eye for personal finance? A few years ago, Jazmyn Gray wouldn’t have dreamed that’s how her life turned out. From a young age, Jazmyn was thrown into drug addiction, homelessness, a life of crime, and later, prison time. She was a teenage mother whose silver lining was running a successful business until she was robbed, abused, and pushed into relapsing. But that’s not Jazmyn’s whole story.  Through some entrepreneurial pursuits behind bars and putting her finances first, Jazmyn has had an almost unbelievable path to recovery. Even after her time in prison, Jazmyn was forced to pay restitution and other debts she had piled up before her incarceration. However, through a chance meeting with none other than our own Scott Trench, Jazmyn was given the master plan she needed to rebuild her financial position, even when the odds were stacked against her.  Now, in a completely different position than she was in just a few years ago, Jazmyn is ready to tell her whole story, not only to provide hope to those that need it but give actionable steps to improving your financial life. You’ll hear how she built a six-figure business within a few months, how she recently bought a house with a record low interest rate, the debt snowball method she used to become debt-free faster than most Americans, and how she’s using her rough road to help others build their own wealth.  In This Episode We Cover  Hitting financial rock bottom and starting your journey when you have nothing  Building a six-figure business and what caused Jazmyn to give up hers  Homelessness, drug addiction, and fighting to survive as a teenager  The “debt snowball” method Jazmyn used to pay off her debt in record time   Buying your first home and how to do so only a few years after being dead broke  Jazmyn’s easily-repeatable advice for ANYONE starting their financial journey   And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Mindy on BiggerPockets  Scott's Instagram  Grab Scott’s Book, “Set for Life”  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  The Real Estate Rookie Podcast  Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets  Money Moment  From Extreme Poverty to DIY Wealth and 2 Full-Time Incomes  12 Things to Give Up to Become Debt-Free This Year  Get Involved with CrossPurpose    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-410    Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Let us know!]]></itunes:summary>
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	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[A debt-free homeowner with an emergency fund and a keen eye for personal finance? A few years ago, Jazmyn Gray wouldn’t have dreamed that’s how her life turned out. From a young age, Jazmyn was thrown into drug addiction, homelessness, a life of crime, and later, prison time. She was a teenage mother whose silver lining was running a successful business until she was robbed, abused, and pushed into relapsing. But that’s not Jazmyn’s whole story.  Through some entrepreneurial pursuits behind bars and putting her finances first, Jazmyn has had an almost unbelievable path to recovery. Even after her time in prison, Jazmyn was forced to pay restitution and other debts she had piled up before her incarceration. However, through a chance meeting with none other than our own Scott Trench, Jazmyn was given the master plan she needed to rebuild her financial position, even when the odds were stacked against her.  Now, in a completely different position than she was in just a few years ago, Jaz]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
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<item>
	<title>409: How to Use Your First Home to Fast-Track Wealth</title>
	<link>https://biggerpocketsmoney.com/podcast/409-how-to-use-your-first-home-to-fast-track-wealth/</link>
	<pubDate>Mon, 08 May 2023 06:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
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	<description><![CDATA[As a first-time home buyer, you may be struggling to make a move. And who can blame you? In 2023, with high mortgage rates and stiff competition, more and more would-be home buyers are staying put as renters—but this could be a big mistake. Even Jay Papasan, executive at Keller Williams and bestselling author, wishes he made his first home purchase faster.  It wasn’t until Jay was thirty that he finally pulled the trigger on purchasing a property. He had just moved to Austin, Texas, and bought the worst property in the best neighborhood he could find. Now, a good twenty years later, this property alone has made Jay close to a million dollars, and he thinks today’s homebuyers could be in the same position. So, how do you build wealth when buying your first property?  In this episode, Jay walks through what first-time home buyers should be looking for when scouting out houses, the telltale signs of a great (and not-so-great) real estate agent, simple improvements you can make to increase property value dramatically, and what to do with today’s high mortgage rates. Jay also includes a little-known way to lower your mortgage rate on your next home, so you can pay less and profit more when you move out!  In This Episode We Cover  Why you should NEVER sell your first home (and what you should do instead)  How to lower your mortgage rate WITHOUT increasing your cost to close  Signs of a great agent and the MOST important trait they must have  Easy improvements that will shoot up your home’s value   Tracking your net worth and why you MUST know your personal profit and loss  Housing horror stories and whether or not your agent needs to tell you about the ghost haunting your kitchen   And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Mindy on BiggerPockets  Scott's Instagram  Grab Scott’s Book, “Set for Life”  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  The Real Estate Rookie Podcast  Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets  Money Moment  Grab the First-Time Home Buyer Book Bundle and Use Code “BPKELLER” at Checkout  Putting Yourself in the Best Financial Position as a First Time Home Buyer  Big Goals? Here’s How to Get Your Spouse or Partner on Board  Becoming a Millionaire Real Estate Investor  How to Manage Your Time Like a Millionaire  Click here to check the full show notes: https://www.biggerpockets.com/blog/money-409  Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Let us know!]]></description>
	<itunes:subtitle><![CDATA[As a first-time home buyer, you may be struggling to make a move. And who can blame you? In 2023, with high mortgage rates and stiff competition, more and more would-be home buyers are staying put as renters—but this could be a big mistake. Even Jay Papa]]></itunes:subtitle>
	<content:encoded><![CDATA[As a first-time home buyer, you may be struggling to make a move. And who can blame you? In 2023, with high mortgage rates and stiff competition, more and more would-be home buyers are staying put as renters—but this could be a big mistake. Even Jay Papasan, executive at Keller Williams and bestselling author, wishes he made his first home purchase faster.  It wasn’t until Jay was thirty that he finally pulled the trigger on purchasing a property. He had just moved to Austin, Texas, and bought the worst property in the best neighborhood he could find. Now, a good twenty years later, this property alone has made Jay close to a million dollars, and he thinks today’s homebuyers could be in the same position. So, how do you build wealth when buying your first property?  In this episode, Jay walks through what first-time home buyers should be looking for when scouting out houses, the telltale signs of a great (and not-so-great) real estate agent, simple improvements you can make to increase property value dramatically, and what to do with today’s high mortgage rates. Jay also includes a little-known way to lower your mortgage rate on your next home, so you can pay less and profit more when you move out!  In This Episode We Cover  Why you should NEVER sell your first home (and what you should do instead)  How to lower your mortgage rate WITHOUT increasing your cost to close  Signs of a great agent and the MOST important trait they must have  Easy improvements that will shoot up your home’s value   Tracking your net worth and why you MUST know your personal profit and loss  Housing horror stories and whether or not your agent needs to tell you about the ghost haunting your kitchen   And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Mindy on BiggerPockets  Scott's Instagram  Grab Scott’s Book, “Set for Life”  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  The Real Estate Rookie Podcast  Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets  Money Moment  Grab the First-Time Home Buyer Book Bundle and Use Code “BPKELLER” at Checkout  Putting Yourself in the Best Financial Position as a First Time Home Buyer  Big Goals? Here’s How to Get Your Spouse or Partner on Board  Becoming a Millionaire Real Estate Investor  How to Manage Your Time Like a Millionaire  Click here to check the full show notes: https://www.biggerpockets.com/blog/money-409  Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Let us know!]]></content:encoded>
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	<itunes:summary><![CDATA[As a first-time home buyer, you may be struggling to make a move. And who can blame you? In 2023, with high mortgage rates and stiff competition, more and more would-be home buyers are staying put as renters—but this could be a big mistake. Even Jay Papasan, executive at Keller Williams and bestselling author, wishes he made his first home purchase faster.  It wasn’t until Jay was thirty that he finally pulled the trigger on purchasing a property. He had just moved to Austin, Texas, and bought the worst property in the best neighborhood he could find. Now, a good twenty years later, this property alone has made Jay close to a million dollars, and he thinks today’s homebuyers could be in the same position. So, how do you build wealth when buying your first property?  In this episode, Jay walks through what first-time home buyers should be looking for when scouting out houses, the telltale signs of a great (and not-so-great) real estate agent, simple improvements you can make to increase property value dramatically, and what to do with today’s high mortgage rates. Jay also includes a little-known way to lower your mortgage rate on your next home, so you can pay less and profit more when you move out!  In This Episode We Cover  Why you should NEVER sell your first home (and what you should do instead)  How to lower your mortgage rate WITHOUT increasing your cost to close  Signs of a great agent and the MOST important trait they must have  Easy improvements that will shoot up your home’s value   Tracking your net worth and why you MUST know your personal profit and loss  Housing horror stories and whether or not your agent needs to tell you about the ghost haunting your kitchen   And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Mindy on BiggerPockets  Scott's Instagram  Grab Scott’s Book, “Set for Life”  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  The Real Estate Rookie Podcast  Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets  Money Moment  Grab the First-Time Home Buyer Book Bundle and Use Code “BPKELLER” at Checkout  Putting Yourself in the Best Financial Position as a First Time Home Buyer  Big Goals? Here’s How to Get Your Spouse or Partner on Board  Becoming a Millionaire Real Estate Investor  How to Manage Your Time Like a Millionaire  Click here to check the full show notes: https://www.biggerpockets.com/blog/money-409  Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Let us know!]]></itunes:summary>
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	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[As a first-time home buyer, you may be struggling to make a move. And who can blame you? In 2023, with high mortgage rates and stiff competition, more and more would-be home buyers are staying put as renters—but this could be a big mistake. Even Jay Papasan, executive at Keller Williams and bestselling author, wishes he made his first home purchase faster.  It wasn’t until Jay was thirty that he finally pulled the trigger on purchasing a property. He had just moved to Austin, Texas, and bought the worst property in the best neighborhood he could find. Now, a good twenty years later, this property alone has made Jay close to a million dollars, and he thinks today’s homebuyers could be in the same position. So, how do you build wealth when buying your first property?  In this episode, Jay walks through what first-time home buyers should be looking for when scouting out houses, the telltale signs of a great (and not-so-great) real estate agent, simple improvements you can make to increas]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
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<item>
	<title>408: Finance Friday: Why Retiring Early Isn’t As Simple As You Think</title>
	<link>https://biggerpocketsmoney.com/podcast/408-finance-friday-why-retiring-early-isnt-as-simple-as-you-think/</link>
	<pubDate>Fri, 05 May 2023 06:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
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	<description><![CDATA[Early retirement is the holy grail of financial freedom. With a large enough nest egg, you no longer have to work, giving you the time to spend with your family and friends or do whatever you want. The problem? Hitting financial independence is much easier than most FIRE-chasers think, and achieving their biggest goal comes with unintended consequences. The fact of the matter is, retiring early is a hard choice, and it’s NOT as simple as walking away from your job.  Today, we talk to Phil, who’s bringing in a large salary and doing a job he loves but wants to take more time off work to be around his growing family. Phil has reached financial freedom. He has plenty of money in his retirement accounts, a short-term rental property portfolio paying him a median-income salary, and lots of cash on hand in case he runs out. He’s also got a job that makes him a stellar salary and has the flexibility to allow him to increase or decrease his shifts as he sees fit.  Phil has done it. He’s found financial freedom and built a fortress of assets to hold up his lifestyle for the rest of his life.But, the idea of walking away from work is stopping him from taking the time off that he needs. With such high pay and work that gives him meaning, how can Phil slowly start stepping away from work without sacrificing his identityor ability to help others? This is a struggle for many who have hit financial independence, and you, too, may face the same dilemma in the not-so-distant future!    In This Episode We Cover  Building multiple income streams so you can reach financial freedom faster  Giving up the high-pay of a skilled job to spend more time with your family  When to pay off your properties and whether living mortgage-free is worth it  Transitioning out of a career and why stepping away from work is more complicated than it seems  Building your ideal post-FI life (even if that means working!)  The “middle-class trap” and why over-investing in retirement could be a mistake  And So Much More!  Links from the Show  BiggerPockets Money Facebook Group  BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Mindy on BiggerPockets  Scott's Instagram  Grab Scott’s Book, “Set for Life”  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  The Real Estate Rookie Podcast  Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets  Money Moment  Mr. Money Mustache on Life After FI: The Truth About Retiring Early  How to Avoid the “Middle Class Trap” When Building Wealth  The “Deathbed Toolkit” That Makes Building Wealth Much More Enjoyable w/Doc G  Grab Your Copy of “Taking Stock: A Hospice Doctor's Advice on Financial Independence, Building Wealth, and Living a Regret-Free Life    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-408    Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Let us know!]]></description>
	<itunes:subtitle><![CDATA[Early retirement is the holy grail of financial freedom. With a large enough nest egg, you no longer have to work, giving you the time to spend with your family and friends or do whatever you want. The problem? Hitting financial independence is much easi]]></itunes:subtitle>
	<content:encoded><![CDATA[Early retirement is the holy grail of financial freedom. With a large enough nest egg, you no longer have to work, giving you the time to spend with your family and friends or do whatever you want. The problem? Hitting financial independence is much easier than most FIRE-chasers think, and achieving their biggest goal comes with unintended consequences. The fact of the matter is, retiring early is a hard choice, and it’s NOT as simple as walking away from your job.  Today, we talk to Phil, who’s bringing in a large salary and doing a job he loves but wants to take more time off work to be around his growing family. Phil has reached financial freedom. He has plenty of money in his retirement accounts, a short-term rental property portfolio paying him a median-income salary, and lots of cash on hand in case he runs out. He’s also got a job that makes him a stellar salary and has the flexibility to allow him to increase or decrease his shifts as he sees fit.  Phil has done it. He’s found financial freedom and built a fortress of assets to hold up his lifestyle for the rest of his life.But, the idea of walking away from work is stopping him from taking the time off that he needs. With such high pay and work that gives him meaning, how can Phil slowly start stepping away from work without sacrificing his identityor ability to help others? This is a struggle for many who have hit financial independence, and you, too, may face the same dilemma in the not-so-distant future!    In This Episode We Cover  Building multiple income streams so you can reach financial freedom faster  Giving up the high-pay of a skilled job to spend more time with your family  When to pay off your properties and whether living mortgage-free is worth it  Transitioning out of a career and why stepping away from work is more complicated than it seems  Building your ideal post-FI life (even if that means working!)  The “middle-class trap” and why over-investing in retirement could be a mistake  And So Much More!  Links from the Show  BiggerPockets Money Facebook Group  BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Mindy on BiggerPockets  Scott's Instagram  Grab Scott’s Book, “Set for Life”  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  The Real Estate Rookie Podcast  Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets  Money Moment  Mr. Money Mustache on Life After FI: The Truth About Retiring Early  How to Avoid the “Middle Class Trap” When Building Wealth  The “Deathbed Toolkit” That Makes Building Wealth Much More Enjoyable w/Doc G  Grab Your Copy of “Taking Stock: A Hospice Doctor's Advice on Financial Independence, Building Wealth, and Living a Regret-Free Life    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-408    Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Let us know!]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC5128891545.mp3" length="75911510" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[Early retirement is the holy grail of financial freedom. With a large enough nest egg, you no longer have to work, giving you the time to spend with your family and friends or do whatever you want. The problem? Hitting financial independence is much easier than most FIRE-chasers think, and achieving their biggest goal comes with unintended consequences. The fact of the matter is, retiring early is a hard choice, and it’s NOT as simple as walking away from your job.  Today, we talk to Phil, who’s bringing in a large salary and doing a job he loves but wants to take more time off work to be around his growing family. Phil has reached financial freedom. He has plenty of money in his retirement accounts, a short-term rental property portfolio paying him a median-income salary, and lots of cash on hand in case he runs out. He’s also got a job that makes him a stellar salary and has the flexibility to allow him to increase or decrease his shifts as he sees fit.  Phil has done it. He’s found financial freedom and built a fortress of assets to hold up his lifestyle for the rest of his life.But, the idea of walking away from work is stopping him from taking the time off that he needs. With such high pay and work that gives him meaning, how can Phil slowly start stepping away from work without sacrificing his identityor ability to help others? This is a struggle for many who have hit financial independence, and you, too, may face the same dilemma in the not-so-distant future!    In This Episode We Cover  Building multiple income streams so you can reach financial freedom faster  Giving up the high-pay of a skilled job to spend more time with your family  When to pay off your properties and whether living mortgage-free is worth it  Transitioning out of a career and why stepping away from work is more complicated than it seems  Building your ideal post-FI life (even if that means working!)  The “middle-class trap” and why over-investing in retirement could be a mistake  And So Much More!  Links from the Show  BiggerPockets Money Facebook Group  BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Mindy on BiggerPockets  Scott's Instagram  Grab Scott’s Book, “Set for Life”  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  The Real Estate Rookie Podcast  Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets  Money Moment  Mr. Money Mustache on Life After FI: The Truth About Retiring Early  How to Avoid the “Middle Class Trap” When Building Wealth  The “Deathbed Toolkit” That Makes Building Wealth Much More Enjoyable w/Doc G  Grab Your Copy of “Taking Stock: A Hospice Doctor's Advice on Financial Independence, Building Wealth, and Living a Regret-Free Life    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-408    Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Let us know!]]></itunes:summary>
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	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[Early retirement is the holy grail of financial freedom. With a large enough nest egg, you no longer have to work, giving you the time to spend with your family and friends or do whatever you want. The problem? Hitting financial independence is much easier than most FIRE-chasers think, and achieving their biggest goal comes with unintended consequences. The fact of the matter is, retiring early is a hard choice, and it’s NOT as simple as walking away from your job.  Today, we talk to Phil, who’s bringing in a large salary and doing a job he loves but wants to take more time off work to be around his growing family. Phil has reached financial freedom. He has plenty of money in his retirement accounts, a short-term rental property portfolio paying him a median-income salary, and lots of cash on hand in case he runs out. He’s also got a job that makes him a stellar salary and has the flexibility to allow him to increase or decrease his shifts as he sees fit.  Phil has done it. He’s found]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
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<item>
	<title>407: 8 Rentals in 8 Years and Unlocking MASSIVE Tax Breaks with One Career Move</title>
	<link>https://biggerpocketsmoney.com/podcast/407-8-rentals-in-8-years-and-unlocking-massive-tax-breaks-with-one-career-move/</link>
	<pubDate>Mon, 01 May 2023 06:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
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	<description><![CDATA[Think it might be too late for you to enjoy the spoils of real estate investing? Well, you’d be wrong! Regardless of age, background, or financial circumstances, it’s never too late to switch careers and become a real estate investor. Just ask today’s guest! In this edition of the BiggerPockets Money podcast, we’re joined by Evan Miller, who was a [&#8230;]]]></description>
	<itunes:subtitle><![CDATA[Think it might be too late for you to enjoy the spoils of real estate investing? Well, you’d be wrong! Regardless of age, background, or financial circumstances, it’s never too late to switch careers and become a real estate investor. Just ask today’s gu]]></itunes:subtitle>
	<content:encoded><![CDATA[Think it might be too late for you to enjoy the spoils of real estate investing? Well, you’d be wrong! Regardless of age, background, or financial circumstances, it’s never too late to switch careers and become a real estate investor. Just ask today’s guest! In this edition of the BiggerPockets Money podcast, we’re joined by Evan Miller, who was a [&#8230;]]]></content:encoded>
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	<itunes:summary><![CDATA[Think it might be too late for you to enjoy the spoils of real estate investing? Well, you’d be wrong! Regardless of age, background, or financial circumstances, it’s never too late to switch careers and become a real estate investor. Just ask today’s guest! In this edition of the BiggerPockets Money podcast, we’re joined by Evan Miller, who was a [&#8230;]]]></itunes:summary>
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	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[Think it might be too late for you to enjoy the spoils of real estate investing? Well, you’d be wrong! Regardless of age, background, or financial circumstances, it’s never too late to switch careers and become a real estate investor. Just ask today’s guest! In this edition of the BiggerPockets Money podcast, we’re joined by Evan Miller, who was a [&#8230;]]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
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<item>
	<title>406: Finance Friday: Why FORCING Your Way to FIRE Isn’t The Way</title>
	<link>https://biggerpocketsmoney.com/podcast/406-finance-friday-why-forcing-your-way-to-fire-isnt-the-way/</link>
	<pubDate>Fri, 28 Apr 2023 06:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
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	<description><![CDATA[The road to early retirement isn’t easy. Once you become dead-set on finding financial freedom, your entire world turns upside down. For many of us, this means spending as little as possible, ditching takeout, saying goodbye to expensive events, and becoming a frugal hermit in our own financially-focused worlds. But, this can lead to serious burnout since a life without fun is a hard life to live. Today, we talk to Sam, who’s feeling his own type of frugal fatigue.  Sam was blindsided by a sudden divorce, separating him from his daughter and prompting him to restart his career. He went the unconventional route, getting his pilot’s license and slowly building up his income. But, switching from stay-at-home dad to breadwinner in an instant left a mental mark on Sam. As a result, he’s kept an extremely lean budget, even as his income has grown into six figures. He’s doing a phenomenal job on the path to early retirement, but with time freedom in sight, Sam is still struggling to live life in the present moment instead of always focusing on the future.  In this Finance Friday episode, Mindy and Scott walk through paying off unconventional student debt, building a financial runway, the difference between being frugal and cheap, and whether house hacking vs. renting is the right move in this housing market. They’ll also chat over employee stock purchase programs and investing for early retirement, all while making dozens of pilot puns along the way!    In This Episode We Cover  Investing for early retirement and what to focus on to hit financial freedom  Being frugal vs. cheap and whether your FIRE obsession is making life harder  Student loan debt and when selling investments makes sense  House hacking and using extra space in your home to make more money  Building your “financial runway” and when it’s time to reallocate your investment portfolio  Employee stock purchase programs and the GUARANTEED profit you’ll make  And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Mindy on BiggerPockets  Scott's Instagram  Grab Scott’s Book, “Set for Life”  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Subscribe to The “On The Market” YouTube Channel  Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets  Money Moment  Scott Trench’s Step-by-Step Guide to Building Your Perfect, 1-Page Investment Plan  Why You Don’t Need to Sacrifice Everything to Hit Financial Freedom  How to Get to Early Retirement Even Faster    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-406    Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Let us know!]]></description>
	<itunes:subtitle><![CDATA[The road to early retirement isn’t easy. Once you become dead-set on finding financial freedom, your entire world turns upside down. For many of us, this means spending as little as possible, ditching takeout, saying goodbye to expensive events, and beco]]></itunes:subtitle>
	<content:encoded><![CDATA[The road to early retirement isn’t easy. Once you become dead-set on finding financial freedom, your entire world turns upside down. For many of us, this means spending as little as possible, ditching takeout, saying goodbye to expensive events, and becoming a frugal hermit in our own financially-focused worlds. But, this can lead to serious burnout since a life without fun is a hard life to live. Today, we talk to Sam, who’s feeling his own type of frugal fatigue.  Sam was blindsided by a sudden divorce, separating him from his daughter and prompting him to restart his career. He went the unconventional route, getting his pilot’s license and slowly building up his income. But, switching from stay-at-home dad to breadwinner in an instant left a mental mark on Sam. As a result, he’s kept an extremely lean budget, even as his income has grown into six figures. He’s doing a phenomenal job on the path to early retirement, but with time freedom in sight, Sam is still struggling to live life in the present moment instead of always focusing on the future.  In this Finance Friday episode, Mindy and Scott walk through paying off unconventional student debt, building a financial runway, the difference between being frugal and cheap, and whether house hacking vs. renting is the right move in this housing market. They’ll also chat over employee stock purchase programs and investing for early retirement, all while making dozens of pilot puns along the way!    In This Episode We Cover  Investing for early retirement and what to focus on to hit financial freedom  Being frugal vs. cheap and whether your FIRE obsession is making life harder  Student loan debt and when selling investments makes sense  House hacking and using extra space in your home to make more money  Building your “financial runway” and when it’s time to reallocate your investment portfolio  Employee stock purchase programs and the GUARANTEED profit you’ll make  And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Mindy on BiggerPockets  Scott's Instagram  Grab Scott’s Book, “Set for Life”  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Subscribe to The “On The Market” YouTube Channel  Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets  Money Moment  Scott Trench’s Step-by-Step Guide to Building Your Perfect, 1-Page Investment Plan  Why You Don’t Need to Sacrifice Everything to Hit Financial Freedom  How to Get to Early Retirement Even Faster    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-406    Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Let us know!]]></content:encoded>
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	<itunes:summary><![CDATA[The road to early retirement isn’t easy. Once you become dead-set on finding financial freedom, your entire world turns upside down. For many of us, this means spending as little as possible, ditching takeout, saying goodbye to expensive events, and becoming a frugal hermit in our own financially-focused worlds. But, this can lead to serious burnout since a life without fun is a hard life to live. Today, we talk to Sam, who’s feeling his own type of frugal fatigue.  Sam was blindsided by a sudden divorce, separating him from his daughter and prompting him to restart his career. He went the unconventional route, getting his pilot’s license and slowly building up his income. But, switching from stay-at-home dad to breadwinner in an instant left a mental mark on Sam. As a result, he’s kept an extremely lean budget, even as his income has grown into six figures. He’s doing a phenomenal job on the path to early retirement, but with time freedom in sight, Sam is still struggling to live life in the present moment instead of always focusing on the future.  In this Finance Friday episode, Mindy and Scott walk through paying off unconventional student debt, building a financial runway, the difference between being frugal and cheap, and whether house hacking vs. renting is the right move in this housing market. They’ll also chat over employee stock purchase programs and investing for early retirement, all while making dozens of pilot puns along the way!    In This Episode We Cover  Investing for early retirement and what to focus on to hit financial freedom  Being frugal vs. cheap and whether your FIRE obsession is making life harder  Student loan debt and when selling investments makes sense  House hacking and using extra space in your home to make more money  Building your “financial runway” and when it’s time to reallocate your investment portfolio  Employee stock purchase programs and the GUARANTEED profit you’ll make  And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Mindy on BiggerPockets  Scott's Instagram  Grab Scott’s Book, “Set for Life”  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Subscribe to The “On The Market” YouTube Channel  Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets  Money Moment  Scott Trench’s Step-by-Step Guide to Building Your Perfect, 1-Page Investment Plan  Why You Don’t Need to Sacrifice Everything to Hit Financial Freedom  How to Get to Early Retirement Even Faster    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-406    Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Let us know!]]></itunes:summary>
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	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[The road to early retirement isn’t easy. Once you become dead-set on finding financial freedom, your entire world turns upside down. For many of us, this means spending as little as possible, ditching takeout, saying goodbye to expensive events, and becoming a frugal hermit in our own financially-focused worlds. But, this can lead to serious burnout since a life without fun is a hard life to live. Today, we talk to Sam, who’s feeling his own type of frugal fatigue.  Sam was blindsided by a sudden divorce, separating him from his daughter and prompting him to restart his career. He went the unconventional route, getting his pilot’s license and slowly building up his income. But, switching from stay-at-home dad to breadwinner in an instant left a mental mark on Sam. As a result, he’s kept an extremely lean budget, even as his income has grown into six figures. He’s doing a phenomenal job on the path to early retirement, but with time freedom in sight, Sam is still struggling to live lif]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
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<item>
	<title>405: Slash Your Food Budget by $150+ Per Week with EASY, Healthy, and Tasty Meals</title>
	<link>https://biggerpocketsmoney.com/podcast/405-slash-your-food-budget-by-150-per-week-with-easy-healthy-and-tasty-meals/</link>
	<pubDate>Wed, 26 Apr 2023 06:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">9e0c26ba-bed0-11ed-beb9-b7bd8b67be29</guid>
	<description><![CDATA[Healthy meals that taste great AND save you money? Surely, you can’t have all three! Today’s guest would beg to differ. After deciding roughly six years ago to embrace a healthy lifestyle, she made it her personal mission to find clean recipes that were equally affordable and flavorful. Today, she saves roughly $150 - $200 on her grocery bill each week!  Welcome to a special bonus episode of the BiggerPockets Money podcast. Today, our hosts Mindy and Scott pick the brain of Jenn Lueke, a food blogger who teaches people how to curb their monthly food spend and prepare healthy, craveable dishes that keep food exciting.  Have you always wanted to improve your diet without breaking the bank or spending countless hours in the kitchen? Do you wish that healthy choices tasted a little better? Tune in as Jenn talks about how she plans and preps all of her meals ahead of time, sticks to a tight grocery budget even amidst inflation or an economic downturn, and keeps all of her food organized in a one-bedroom apartment. You’ll even learn about her top budget-saving foods, go-to one-pan recipes, and favorite places to shop!    In This Episode We Cover  How to save on your grocery bill ($150 or more!) each week  The best ways to optimize food storage with limited space  Finding easy, cheap, and healthy recipes that become household staples  How to plan and prep meals for HUGE time savings  When to buy organic produce instead of conventional  Shopping seasonally to take advantage of lower prices (and fresher produce!)  And So Much More!  Links from the Show  BiggerPockets Money Facebook Group  BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Scott's Instagram  Grab Scott’s Book, “Set for Life”  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Subscribe to The “On The Market” YouTube Channel  Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets  Money Moment    Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Let us know!]]></description>
	<itunes:subtitle><![CDATA[Healthy meals that taste great AND save you money? Surely, you can’t have all three! Today’s guest would beg to differ. After deciding roughly six years ago to embrace a healthy lifestyle, she made it her personal mission to find clean recipes that were ]]></itunes:subtitle>
	<content:encoded><![CDATA[Healthy meals that taste great AND save you money? Surely, you can’t have all three! Today’s guest would beg to differ. After deciding roughly six years ago to embrace a healthy lifestyle, she made it her personal mission to find clean recipes that were equally affordable and flavorful. Today, she saves roughly $150 - $200 on her grocery bill each week!  Welcome to a special bonus episode of the BiggerPockets Money podcast. Today, our hosts Mindy and Scott pick the brain of Jenn Lueke, a food blogger who teaches people how to curb their monthly food spend and prepare healthy, craveable dishes that keep food exciting.  Have you always wanted to improve your diet without breaking the bank or spending countless hours in the kitchen? Do you wish that healthy choices tasted a little better? Tune in as Jenn talks about how she plans and preps all of her meals ahead of time, sticks to a tight grocery budget even amidst inflation or an economic downturn, and keeps all of her food organized in a one-bedroom apartment. You’ll even learn about her top budget-saving foods, go-to one-pan recipes, and favorite places to shop!    In This Episode We Cover  How to save on your grocery bill ($150 or more!) each week  The best ways to optimize food storage with limited space  Finding easy, cheap, and healthy recipes that become household staples  How to plan and prep meals for HUGE time savings  When to buy organic produce instead of conventional  Shopping seasonally to take advantage of lower prices (and fresher produce!)  And So Much More!  Links from the Show  BiggerPockets Money Facebook Group  BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Scott's Instagram  Grab Scott’s Book, “Set for Life”  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Subscribe to The “On The Market” YouTube Channel  Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets  Money Moment    Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Let us know!]]></content:encoded>
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	<itunes:summary><![CDATA[Healthy meals that taste great AND save you money? Surely, you can’t have all three! Today’s guest would beg to differ. After deciding roughly six years ago to embrace a healthy lifestyle, she made it her personal mission to find clean recipes that were equally affordable and flavorful. Today, she saves roughly $150 - $200 on her grocery bill each week!  Welcome to a special bonus episode of the BiggerPockets Money podcast. Today, our hosts Mindy and Scott pick the brain of Jenn Lueke, a food blogger who teaches people how to curb their monthly food spend and prepare healthy, craveable dishes that keep food exciting.  Have you always wanted to improve your diet without breaking the bank or spending countless hours in the kitchen? Do you wish that healthy choices tasted a little better? Tune in as Jenn talks about how she plans and preps all of her meals ahead of time, sticks to a tight grocery budget even amidst inflation or an economic downturn, and keeps all of her food organized in a one-bedroom apartment. You’ll even learn about her top budget-saving foods, go-to one-pan recipes, and favorite places to shop!    In This Episode We Cover  How to save on your grocery bill ($150 or more!) each week  The best ways to optimize food storage with limited space  Finding easy, cheap, and healthy recipes that become household staples  How to plan and prep meals for HUGE time savings  When to buy organic produce instead of conventional  Shopping seasonally to take advantage of lower prices (and fresher produce!)  And So Much More!  Links from the Show  BiggerPockets Money Facebook Group  BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Scott's Instagram  Grab Scott’s Book, “Set for Life”  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Subscribe to The “On The Market” YouTube Channel  Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets  Money Moment    Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Let us know!]]></itunes:summary>
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	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[Healthy meals that taste great AND save you money? Surely, you can’t have all three! Today’s guest would beg to differ. After deciding roughly six years ago to embrace a healthy lifestyle, she made it her personal mission to find clean recipes that were equally affordable and flavorful. Today, she saves roughly $150 - $200 on her grocery bill each week!  Welcome to a special bonus episode of the BiggerPockets Money podcast. Today, our hosts Mindy and Scott pick the brain of Jenn Lueke, a food blogger who teaches people how to curb their monthly food spend and prepare healthy, craveable dishes that keep food exciting.  Have you always wanted to improve your diet without breaking the bank or spending countless hours in the kitchen? Do you wish that healthy choices tasted a little better? Tune in as Jenn talks about how she plans and preps all of her meals ahead of time, sticks to a tight grocery budget even amidst inflation or an economic downturn, and keeps all of her food organized in]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
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<item>
	<title>404: How to Build Wealth in Three Simple Steps</title>
	<link>https://biggerpocketsmoney.com/podcast/404-how-to-build-wealth-in-three-simple-steps/</link>
	<pubDate>Mon, 24 Apr 2023 06:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">0c1f1426-ae43-11ed-b92f-d711860800a5</guid>
	<description><![CDATA[The formula to build wealth isn’t complicated. Most American millionaires have figured it out, and you might have as well. It’s safe to say that almost every wealthy American has followed these three steps that lead to a life of riches. If you follow the same path, you, too, can end up with financial independence, early retirement, and generational wealththat will propel [&#8230;]]]></description>
	<itunes:subtitle><![CDATA[The formula to build wealth isn’t complicated. Most American millionaires have figured it out, and you might have as well. It’s safe to say that almost every wealthy American has followed these three steps that lead to a life of riches. If you follow the]]></itunes:subtitle>
	<content:encoded><![CDATA[The formula to build wealth isn’t complicated. Most American millionaires have figured it out, and you might have as well. It’s safe to say that almost every wealthy American has followed these three steps that lead to a life of riches. If you follow the same path, you, too, can end up with financial independence, early retirement, and generational wealththat will propel [&#8230;]]]></content:encoded>
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	<itunes:summary><![CDATA[The formula to build wealth isn’t complicated. Most American millionaires have figured it out, and you might have as well. It’s safe to say that almost every wealthy American has followed these three steps that lead to a life of riches. If you follow the same path, you, too, can end up with financial independence, early retirement, and generational wealththat will propel [&#8230;]]]></itunes:summary>
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	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[The formula to build wealth isn’t complicated. Most American millionaires have figured it out, and you might have as well. It’s safe to say that almost every wealthy American has followed these three steps that lead to a life of riches. If you follow the same path, you, too, can end up with financial independence, early retirement, and generational wealththat will propel [&#8230;]]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
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<item>
	<title>403: Finance Friday: Stay at Home with Kids or Work to Hit FI Faster?</title>
	<link>https://biggerpocketsmoney.com/podcast/403-finance-friday-stay-at-home-with-kids-or-work-to-hit-fi-faster/</link>
	<pubDate>Fri, 21 Apr 2023 06:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">0c0df4d4-ae43-11ed-b92f-5b5ecfa6c050</guid>
	<description><![CDATA[Financial freedom vs. family time. If done correctly, you can have both; but living the best of both worlds is impossible without sacrifice. For new parents, switching from a dual-income household to a single full-time income overnight can be a hard burden to bear. With less money comes lower retirement accounts, a longer time horizon to being debt-free, and financial freedom pushed years, or even decades, away. So, is being a stay-at-home parent worth the financial sacrifice?  On this Finance Friday, we talk to Patrick, who recently became a new dad (woohoo!). His wife has taken on the full-time job of being a stay-at-home mom, but with a massive amount of debt hanging over their heads, Patrick is debating whether or not returning to dual income is the right move to make. Not only is this choice a financial one, it’s also an extremely personal debate, as many parents would far rather spend their time with their kids than bring home a bigger paycheck. And while we can’t tell Patrick what to do next, Mindy and Scott can offer the financial options he and his wife NEED to know about.  But we’re not just talking about student loan debt in this episode. We also get into whole life insurance policies, HELOCs (home equity lines of credit), car loans, and whether or not buying rental properties is the right move for a new parent. You may be in Patrick’s position soon (if not already), and this topic is one you CANNOT afford to miss if you’re building wealth while raising a family!    In This Episode We Cover  Student loan debt and what you MUST do to become debt-free   Whole life insurance policies and whether they’re worth the high monthly premiums  The true cost of college and what to know BEFORE you finance your degree  Rental property headaches and when real estate investing may NOT be the right move  Ditching dual income to become a stay-at-home parent and who is in the position to do so  Reaching financial freedom as a new parent and the sacrifices you MUST make to retire early  And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Scott's Instagram  Mindy on BiggerPockets  Grab Scott’s Book, “Set for Life”  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Subscribe to The “On The Market” YouTube Channel  Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets  Money Moment  The Money Date: What You Should (And Definitely Should Not) Do to Align Your Finances as a Couple  Finance Friday: How to Become Debt-Free 20 Years Faster Than You Thought  Is College Worth the Cost? This 30,000 Variable Study Says “Sometimes…”  Why 40% of Master’s Degrees Aren’t Worth It (and Which Are) w/Preston Cooper  Should You Pay Down Student Debt or Start Investing?    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-403    Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Let us know!]]></description>
	<itunes:subtitle><![CDATA[Financial freedom vs. family time. If done correctly, you can have both; but living the best of both worlds is impossible without sacrifice. For new parents, switching from a dual-income household to a single full-time income overnight can be a hard burd]]></itunes:subtitle>
	<content:encoded><![CDATA[Financial freedom vs. family time. If done correctly, you can have both; but living the best of both worlds is impossible without sacrifice. For new parents, switching from a dual-income household to a single full-time income overnight can be a hard burden to bear. With less money comes lower retirement accounts, a longer time horizon to being debt-free, and financial freedom pushed years, or even decades, away. So, is being a stay-at-home parent worth the financial sacrifice?  On this Finance Friday, we talk to Patrick, who recently became a new dad (woohoo!). His wife has taken on the full-time job of being a stay-at-home mom, but with a massive amount of debt hanging over their heads, Patrick is debating whether or not returning to dual income is the right move to make. Not only is this choice a financial one, it’s also an extremely personal debate, as many parents would far rather spend their time with their kids than bring home a bigger paycheck. And while we can’t tell Patrick what to do next, Mindy and Scott can offer the financial options he and his wife NEED to know about.  But we’re not just talking about student loan debt in this episode. We also get into whole life insurance policies, HELOCs (home equity lines of credit), car loans, and whether or not buying rental properties is the right move for a new parent. You may be in Patrick’s position soon (if not already), and this topic is one you CANNOT afford to miss if you’re building wealth while raising a family!    In This Episode We Cover  Student loan debt and what you MUST do to become debt-free   Whole life insurance policies and whether they’re worth the high monthly premiums  The true cost of college and what to know BEFORE you finance your degree  Rental property headaches and when real estate investing may NOT be the right move  Ditching dual income to become a stay-at-home parent and who is in the position to do so  Reaching financial freedom as a new parent and the sacrifices you MUST make to retire early  And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Scott's Instagram  Mindy on BiggerPockets  Grab Scott’s Book, “Set for Life”  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Subscribe to The “On The Market” YouTube Channel  Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets  Money Moment  The Money Date: What You Should (And Definitely Should Not) Do to Align Your Finances as a Couple  Finance Friday: How to Become Debt-Free 20 Years Faster Than You Thought  Is College Worth the Cost? This 30,000 Variable Study Says “Sometimes…”  Why 40% of Master’s Degrees Aren’t Worth It (and Which Are) w/Preston Cooper  Should You Pay Down Student Debt or Start Investing?    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-403    Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Let us know!]]></content:encoded>
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	<itunes:summary><![CDATA[Financial freedom vs. family time. If done correctly, you can have both; but living the best of both worlds is impossible without sacrifice. For new parents, switching from a dual-income household to a single full-time income overnight can be a hard burden to bear. With less money comes lower retirement accounts, a longer time horizon to being debt-free, and financial freedom pushed years, or even decades, away. So, is being a stay-at-home parent worth the financial sacrifice?  On this Finance Friday, we talk to Patrick, who recently became a new dad (woohoo!). His wife has taken on the full-time job of being a stay-at-home mom, but with a massive amount of debt hanging over their heads, Patrick is debating whether or not returning to dual income is the right move to make. Not only is this choice a financial one, it’s also an extremely personal debate, as many parents would far rather spend their time with their kids than bring home a bigger paycheck. And while we can’t tell Patrick what to do next, Mindy and Scott can offer the financial options he and his wife NEED to know about.  But we’re not just talking about student loan debt in this episode. We also get into whole life insurance policies, HELOCs (home equity lines of credit), car loans, and whether or not buying rental properties is the right move for a new parent. You may be in Patrick’s position soon (if not already), and this topic is one you CANNOT afford to miss if you’re building wealth while raising a family!    In This Episode We Cover  Student loan debt and what you MUST do to become debt-free   Whole life insurance policies and whether they’re worth the high monthly premiums  The true cost of college and what to know BEFORE you finance your degree  Rental property headaches and when real estate investing may NOT be the right move  Ditching dual income to become a stay-at-home parent and who is in the position to do so  Reaching financial freedom as a new parent and the sacrifices you MUST make to retire early  And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  BiggerPockets Forums  Finance Review Guest Onboarding  Join BiggerPockets for FREE  Scott's Instagram  Mindy on BiggerPockets  Grab Scott’s Book, “Set for Life”  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Subscribe to The “On The Market” YouTube Channel  Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets  Money Moment  The Money Date: What You Should (And Definitely Should Not) Do to Align Your Finances as a Couple  Finance Friday: How to Become Debt-Free 20 Years Faster Than You Thought  Is College Worth the Cost? This 30,000 Variable Study Says “Sometimes…”  Why 40% of Master’s Degrees Aren’t Worth It (and Which Are) w/Preston Cooper  Should You Pay Down Student Debt or Start Investing?    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-403    Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Let us know!]]></itunes:summary>
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	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[Financial freedom vs. family time. If done correctly, you can have both; but living the best of both worlds is impossible without sacrifice. For new parents, switching from a dual-income household to a single full-time income overnight can be a hard burden to bear. With less money comes lower retirement accounts, a longer time horizon to being debt-free, and financial freedom pushed years, or even decades, away. So, is being a stay-at-home parent worth the financial sacrifice?  On this Finance Friday, we talk to Patrick, who recently became a new dad (woohoo!). His wife has taken on the full-time job of being a stay-at-home mom, but with a massive amount of debt hanging over their heads, Patrick is debating whether or not returning to dual income is the right move to make. Not only is this choice a financial one, it’s also an extremely personal debate, as many parents would far rather spend their time with their kids than bring home a bigger paycheck. And while we can’t tell Patrick w]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
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<item>
	<title>402: Tax Day Q&#038;A: Live CPAs Help YOU Owe Less To the IRS</title>
	<link>https://biggerpocketsmoney.com/podcast/402-tax-day-qa-live-cpas-help-you-owe-less-to-the-irs/</link>
	<pubDate>Mon, 17 Apr 2023 06:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">0bfccce0-ae43-11ed-b92f-979035cd04d8</guid>
	<description><![CDATA[Tax season is a nerve-racking time for many, especially for those who don’t have simple tax returns. If you’re a real estate investor, you need top-notch tax advice if you hope to reap the best tax savings when filing—legally, of course. And that’s exactly what we’ve got for you today!  Welcome back to another episode of the BiggerPockets Money podcast. Ahead of this year’s tax deadline, we’ve brought in reinforcements to answer all of your burning tax questions. Today’s guests are Kyle Mast, fee-only certified financial planner (CFP) and real estate investor, and Natalie Kolodij, real estate tax strategist and IRS enrolled agent. In this episode, they use their collective tax expertise and perspectives to tackle a handful of key topics.  Ever wondered whether there are different tax benefits when buying a property in cash rather than via a traditional home loan? If you’re in a partnership on a short-term rental property, how do you claim depreciation? What is a cost segregation study, and when should you do one instead of taking depreciation deductions over the normal timeline? As always, our trusted host Mindy chimes in with some important nuggets to help make your journey toward financial freedom that much easier (while owing less to Uncle Sam)!    In This Episode We Cover  Tax benefits of buying a property in cash versus getting a loan  The “2-out-of-5-year” rule that allows you to avoid HUGE capital gains taxes  How to claim depreciation deductions in an investing partnership  The pros and cons of cost segregation studies and normal depreciation deductions  Why you NEED to hire a real estate tax strategist (and how to find one!)  How to set up your business entity for the best real estate tax savings  And So Much More!  Links from the Show  BiggerPockets Money Facebook Group  BiggerPockets Forums  Finance Review Guest Onboarding  Connect with Mindy on BiggerPockets  Mindy's Twitter  Kyle’s Website  Clarity Financial  Kyle’s Twitter  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Subscribe to The “On The Market” YouTube Channel  Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets  Money Moment  Get Tax Professional Recommendations from Other Investors  The Biggest Real Estate Tax Loophole You’ve (Probably) Never Heard Of  Year-End Tax Tips and How to Owe Even Less in 2023  2023 Real Estate Taxes: Write-Offs, Loopholes, and How to Pay Less Next Year    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-402  Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Let us know!]]></description>
	<itunes:subtitle><![CDATA[Tax season is a nerve-racking time for many, especially for those who don’t have simple tax returns. If you’re a real estate investor, you need top-notch tax advice if you hope to reap the best tax savings when filing—legally, of course. And that’s exact]]></itunes:subtitle>
	<content:encoded><![CDATA[Tax season is a nerve-racking time for many, especially for those who don’t have simple tax returns. If you’re a real estate investor, you need top-notch tax advice if you hope to reap the best tax savings when filing—legally, of course. And that’s exactly what we’ve got for you today!  Welcome back to another episode of the BiggerPockets Money podcast. Ahead of this year’s tax deadline, we’ve brought in reinforcements to answer all of your burning tax questions. Today’s guests are Kyle Mast, fee-only certified financial planner (CFP) and real estate investor, and Natalie Kolodij, real estate tax strategist and IRS enrolled agent. In this episode, they use their collective tax expertise and perspectives to tackle a handful of key topics.  Ever wondered whether there are different tax benefits when buying a property in cash rather than via a traditional home loan? If you’re in a partnership on a short-term rental property, how do you claim depreciation? What is a cost segregation study, and when should you do one instead of taking depreciation deductions over the normal timeline? As always, our trusted host Mindy chimes in with some important nuggets to help make your journey toward financial freedom that much easier (while owing less to Uncle Sam)!    In This Episode We Cover  Tax benefits of buying a property in cash versus getting a loan  The “2-out-of-5-year” rule that allows you to avoid HUGE capital gains taxes  How to claim depreciation deductions in an investing partnership  The pros and cons of cost segregation studies and normal depreciation deductions  Why you NEED to hire a real estate tax strategist (and how to find one!)  How to set up your business entity for the best real estate tax savings  And So Much More!  Links from the Show  BiggerPockets Money Facebook Group  BiggerPockets Forums  Finance Review Guest Onboarding  Connect with Mindy on BiggerPockets  Mindy's Twitter  Kyle’s Website  Clarity Financial  Kyle’s Twitter  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Subscribe to The “On The Market” YouTube Channel  Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets  Money Moment  Get Tax Professional Recommendations from Other Investors  The Biggest Real Estate Tax Loophole You’ve (Probably) Never Heard Of  Year-End Tax Tips and How to Owe Even Less in 2023  2023 Real Estate Taxes: Write-Offs, Loopholes, and How to Pay Less Next Year    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-402  Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Let us know!]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC6884618695.mp3" length="66439450" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[Tax season is a nerve-racking time for many, especially for those who don’t have simple tax returns. If you’re a real estate investor, you need top-notch tax advice if you hope to reap the best tax savings when filing—legally, of course. And that’s exactly what we’ve got for you today!  Welcome back to another episode of the BiggerPockets Money podcast. Ahead of this year’s tax deadline, we’ve brought in reinforcements to answer all of your burning tax questions. Today’s guests are Kyle Mast, fee-only certified financial planner (CFP) and real estate investor, and Natalie Kolodij, real estate tax strategist and IRS enrolled agent. In this episode, they use their collective tax expertise and perspectives to tackle a handful of key topics.  Ever wondered whether there are different tax benefits when buying a property in cash rather than via a traditional home loan? If you’re in a partnership on a short-term rental property, how do you claim depreciation? What is a cost segregation study, and when should you do one instead of taking depreciation deductions over the normal timeline? As always, our trusted host Mindy chimes in with some important nuggets to help make your journey toward financial freedom that much easier (while owing less to Uncle Sam)!    In This Episode We Cover  Tax benefits of buying a property in cash versus getting a loan  The “2-out-of-5-year” rule that allows you to avoid HUGE capital gains taxes  How to claim depreciation deductions in an investing partnership  The pros and cons of cost segregation studies and normal depreciation deductions  Why you NEED to hire a real estate tax strategist (and how to find one!)  How to set up your business entity for the best real estate tax savings  And So Much More!  Links from the Show  BiggerPockets Money Facebook Group  BiggerPockets Forums  Finance Review Guest Onboarding  Connect with Mindy on BiggerPockets  Mindy's Twitter  Kyle’s Website  Clarity Financial  Kyle’s Twitter  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Subscribe to The “On The Market” YouTube Channel  Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets  Money Moment  Get Tax Professional Recommendations from Other Investors  The Biggest Real Estate Tax Loophole You’ve (Probably) Never Heard Of  Year-End Tax Tips and How to Owe Even Less in 2023  2023 Real Estate Taxes: Write-Offs, Loopholes, and How to Pay Less Next Year    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-402  Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Let us know!]]></itunes:summary>
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	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[Tax season is a nerve-racking time for many, especially for those who don’t have simple tax returns. If you’re a real estate investor, you need top-notch tax advice if you hope to reap the best tax savings when filing—legally, of course. And that’s exactly what we’ve got for you today!  Welcome back to another episode of the BiggerPockets Money podcast. Ahead of this year’s tax deadline, we’ve brought in reinforcements to answer all of your burning tax questions. Today’s guests are Kyle Mast, fee-only certified financial planner (CFP) and real estate investor, and Natalie Kolodij, real estate tax strategist and IRS enrolled agent. In this episode, they use their collective tax expertise and perspectives to tackle a handful of key topics.  Ever wondered whether there are different tax benefits when buying a property in cash rather than via a traditional home loan? If you’re in a partnership on a short-term rental property, how do you claim depreciation? What is a cost segregation study]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
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<item>
	<title>401: The Post-Passing Plan: 3 Steps to Protect Your Family’s Financial Future</title>
	<link>https://biggerpocketsmoney.com/podcast/401-the-post-passing-plan-3-steps-to-protect-your-familys-financial-future/</link>
	<pubDate>Fri, 14 Apr 2023 06:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
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	<description><![CDATA[How important are beneficiary designations? What happens if you die without a will? What are intestate succession laws? Death is a subject that most people want to avoid, especially when it intersects with finances. Unfortunately, these are necessary questions to ask, as your legacy is at stake, and taking just a few hours to plan could save your family thousands of hours after you pass.  When guest and long-time friend Renee received the call that her husband of nine years had passed unexpectedly, she was left to deal with not only her own grief but also the financial implications of her husband’s death. While the two had discussed death and finances on multiple occasions, little did they know that a common financial error would create a logistical nightmare—one that would lead to ongoing legal battles and fractured relationships.  In today’s episode, Renee joins us to tell her story and stress the importance of planning for the unexpected. We cover things like beneficiary designations, wills, living trusts, and intestate succession laws. Renee also shares the three steps you MUST take to avoid having a post-passing financial nightmare. As always, our hosts Mindy and Scott are here to share some invaluable advice you won’t want to miss!    In This Episode We Cover  How a few hours of end-of-life planning could save your next of kin thousands of hours  Why beneficiary designations are king for all financial assets  Intestate succession laws and what happens when you die without a will  When others may have a legal claim to assets over a spouse  How relationships are impacted by the financial implications of your passing  The three steps you MUST take to get your assets in order before you die  And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  BiggerPockets Forums  Finance Review Guest Onboarding  Scott's Instagram  Mindy's Twitter  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Subscribe to The “On The Market” YouTube Channel  Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets  Getting Financially “Naked” with Your Significant Other — With Erin Lowry from Broke Millennial (Episode #24)  Estate Planning, Wills, and What to Do NOW to Protect Your Heirs w/Jordan Klint (Episode #395)  Get Your Family Emergency Binder  The Easiest Way to Create a Will    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-401    Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Let us know!]]></description>
	<itunes:subtitle><![CDATA[How important are beneficiary designations? What happens if you die without a will? What are intestate succession laws? Death is a subject that most people want to avoid, especially when it intersects with finances. Unfortunately, these are necessary que]]></itunes:subtitle>
	<content:encoded><![CDATA[How important are beneficiary designations? What happens if you die without a will? What are intestate succession laws? Death is a subject that most people want to avoid, especially when it intersects with finances. Unfortunately, these are necessary questions to ask, as your legacy is at stake, and taking just a few hours to plan could save your family thousands of hours after you pass.  When guest and long-time friend Renee received the call that her husband of nine years had passed unexpectedly, she was left to deal with not only her own grief but also the financial implications of her husband’s death. While the two had discussed death and finances on multiple occasions, little did they know that a common financial error would create a logistical nightmare—one that would lead to ongoing legal battles and fractured relationships.  In today’s episode, Renee joins us to tell her story and stress the importance of planning for the unexpected. We cover things like beneficiary designations, wills, living trusts, and intestate succession laws. Renee also shares the three steps you MUST take to avoid having a post-passing financial nightmare. As always, our hosts Mindy and Scott are here to share some invaluable advice you won’t want to miss!    In This Episode We Cover  How a few hours of end-of-life planning could save your next of kin thousands of hours  Why beneficiary designations are king for all financial assets  Intestate succession laws and what happens when you die without a will  When others may have a legal claim to assets over a spouse  How relationships are impacted by the financial implications of your passing  The three steps you MUST take to get your assets in order before you die  And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  BiggerPockets Forums  Finance Review Guest Onboarding  Scott's Instagram  Mindy's Twitter  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Subscribe to The “On The Market” YouTube Channel  Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets  Getting Financially “Naked” with Your Significant Other — With Erin Lowry from Broke Millennial (Episode #24)  Estate Planning, Wills, and What to Do NOW to Protect Your Heirs w/Jordan Klint (Episode #395)  Get Your Family Emergency Binder  The Easiest Way to Create a Will    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-401    Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Let us know!]]></content:encoded>
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	<itunes:summary><![CDATA[How important are beneficiary designations? What happens if you die without a will? What are intestate succession laws? Death is a subject that most people want to avoid, especially when it intersects with finances. Unfortunately, these are necessary questions to ask, as your legacy is at stake, and taking just a few hours to plan could save your family thousands of hours after you pass.  When guest and long-time friend Renee received the call that her husband of nine years had passed unexpectedly, she was left to deal with not only her own grief but also the financial implications of her husband’s death. While the two had discussed death and finances on multiple occasions, little did they know that a common financial error would create a logistical nightmare—one that would lead to ongoing legal battles and fractured relationships.  In today’s episode, Renee joins us to tell her story and stress the importance of planning for the unexpected. We cover things like beneficiary designations, wills, living trusts, and intestate succession laws. Renee also shares the three steps you MUST take to avoid having a post-passing financial nightmare. As always, our hosts Mindy and Scott are here to share some invaluable advice you won’t want to miss!    In This Episode We Cover  How a few hours of end-of-life planning could save your next of kin thousands of hours  Why beneficiary designations are king for all financial assets  Intestate succession laws and what happens when you die without a will  When others may have a legal claim to assets over a spouse  How relationships are impacted by the financial implications of your passing  The three steps you MUST take to get your assets in order before you die  And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  BiggerPockets Forums  Finance Review Guest Onboarding  Scott's Instagram  Mindy's Twitter  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Subscribe to The “On The Market” YouTube Channel  Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets  Getting Financially “Naked” with Your Significant Other — With Erin Lowry from Broke Millennial (Episode #24)  Estate Planning, Wills, and What to Do NOW to Protect Your Heirs w/Jordan Klint (Episode #395)  Get Your Family Emergency Binder  The Easiest Way to Create a Will    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-401    Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Let us know!]]></itunes:summary>
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	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[How important are beneficiary designations? What happens if you die without a will? What are intestate succession laws? Death is a subject that most people want to avoid, especially when it intersects with finances. Unfortunately, these are necessary questions to ask, as your legacy is at stake, and taking just a few hours to plan could save your family thousands of hours after you pass.  When guest and long-time friend Renee received the call that her husband of nine years had passed unexpectedly, she was left to deal with not only her own grief but also the financial implications of her husband’s death. While the two had discussed death and finances on multiple occasions, little did they know that a common financial error would create a logistical nightmare—one that would lead to ongoing legal battles and fractured relationships.  In today’s episode, Renee joins us to tell her story and stress the importance of planning for the unexpected. We cover things like beneficiary designatio]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
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<item>
	<title>400: Mindy and Scott’s Money Stories and Why They WON’T Retire Early</title>
	<link>https://biggerpocketsmoney.com/podcast/400-mindy-and-scotts-money-stories-and-why-they-wont-retire-early/</link>
	<pubDate>Mon, 10 Apr 2023 06:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
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	<description><![CDATA[Being able to retire early is a blessing and a curse. When you first start working a job, all you can think of is escaping your everyday responsibilities. The mind-numbing tasks, the early mornings, late nights, horrible bosses—it all adds up. But, you then find the “financial independence, retire early movement (FIRE),” and almost overnight, you decide that your future will be dedicated to setting yourself financially free. You develop skills that help you make more at your job, feeding into bigger, better investments. And as a result, you end up being in a better position, at a more respectable job, earning more than you thought possible, and enjoying the challenge of everyday work.  This is precisely what happened to your hosts, Mindy Jensen and Scott Trench. Both started at jobs they didn’t love, wanting to be financially free. Through hard work and skill-building, Mindy and Scott were brought together, prompting them to start the BiggerPockets Money Podcast and build a company they both love. Now financially free, Mindy and Scott refuse to retire early for a good reason.  In this special four-hundredth episode, Mindy and Scott share their money stories, how they found the FIRE movement, what they did with their money, and why they choose to work, even though they don’t have to. If you want to know the real reason behind Scott and Mindy’s skyrocketing success, stick around because their stories are much more repeatable than you may think.    In This Episode We Cover  The origins of the BiggerPockets Money Podcast and how risky investing prompted a powerful podcast  The index fund vs. individual stock-picking debate and why Mindy started to shift her portfolio  How Mindy and Scott found the FIRE movement and how they both quickly reached financial independence  Becoming a CEO and why Scott’s “don’t ask for a raise” philosophy paid off BIG time  Choosing to work instead of retiring early and why a meaningful livelihood beats a relaxing early retirement  The simple but profound moves Scott made to triple his net worth in just a few years  And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  BiggerPockets Forums  Finance Review Guest Onboarding  Scott's Instagram  Mindy's  Connect with James  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Subscribe to The “On The Market” YouTube Channel  Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets  Money Moment  Mr. Money Mustache's article  1,500 Days  Breaking the Taboo of Talking About Money with Friends, Family, and Bosses  How to Change Your Financial Life with a Money “Reset”  Margin Loans: Low-Interest Lending or Risky Rates?  Mindy's First Episode: Jump Starting Your Early FI Plans by Live-in Flipping  Scott’s First Episode: An All-Out Approach to Financial Independence at an Early Age    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-400    Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Let us know!]]></description>
	<itunes:subtitle><![CDATA[Being able to retire early is a blessing and a curse. When you first start working a job, all you can think of is escaping your everyday responsibilities. The mind-numbing tasks, the early mornings, late nights, horrible bosses—it all adds up. But, you t]]></itunes:subtitle>
	<content:encoded><![CDATA[Being able to retire early is a blessing and a curse. When you first start working a job, all you can think of is escaping your everyday responsibilities. The mind-numbing tasks, the early mornings, late nights, horrible bosses—it all adds up. But, you then find the “financial independence, retire early movement (FIRE),” and almost overnight, you decide that your future will be dedicated to setting yourself financially free. You develop skills that help you make more at your job, feeding into bigger, better investments. And as a result, you end up being in a better position, at a more respectable job, earning more than you thought possible, and enjoying the challenge of everyday work.  This is precisely what happened to your hosts, Mindy Jensen and Scott Trench. Both started at jobs they didn’t love, wanting to be financially free. Through hard work and skill-building, Mindy and Scott were brought together, prompting them to start the BiggerPockets Money Podcast and build a company they both love. Now financially free, Mindy and Scott refuse to retire early for a good reason.  In this special four-hundredth episode, Mindy and Scott share their money stories, how they found the FIRE movement, what they did with their money, and why they choose to work, even though they don’t have to. If you want to know the real reason behind Scott and Mindy’s skyrocketing success, stick around because their stories are much more repeatable than you may think.    In This Episode We Cover  The origins of the BiggerPockets Money Podcast and how risky investing prompted a powerful podcast  The index fund vs. individual stock-picking debate and why Mindy started to shift her portfolio  How Mindy and Scott found the FIRE movement and how they both quickly reached financial independence  Becoming a CEO and why Scott’s “don’t ask for a raise” philosophy paid off BIG time  Choosing to work instead of retiring early and why a meaningful livelihood beats a relaxing early retirement  The simple but profound moves Scott made to triple his net worth in just a few years  And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  BiggerPockets Forums  Finance Review Guest Onboarding  Scott's Instagram  Mindy's  Connect with James  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Subscribe to The “On The Market” YouTube Channel  Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets  Money Moment  Mr. Money Mustache's article  1,500 Days  Breaking the Taboo of Talking About Money with Friends, Family, and Bosses  How to Change Your Financial Life with a Money “Reset”  Margin Loans: Low-Interest Lending or Risky Rates?  Mindy's First Episode: Jump Starting Your Early FI Plans by Live-in Flipping  Scott’s First Episode: An All-Out Approach to Financial Independence at an Early Age    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-400    Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Let us know!]]></content:encoded>
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	<itunes:summary><![CDATA[Being able to retire early is a blessing and a curse. When you first start working a job, all you can think of is escaping your everyday responsibilities. The mind-numbing tasks, the early mornings, late nights, horrible bosses—it all adds up. But, you then find the “financial independence, retire early movement (FIRE),” and almost overnight, you decide that your future will be dedicated to setting yourself financially free. You develop skills that help you make more at your job, feeding into bigger, better investments. And as a result, you end up being in a better position, at a more respectable job, earning more than you thought possible, and enjoying the challenge of everyday work.  This is precisely what happened to your hosts, Mindy Jensen and Scott Trench. Both started at jobs they didn’t love, wanting to be financially free. Through hard work and skill-building, Mindy and Scott were brought together, prompting them to start the BiggerPockets Money Podcast and build a company they both love. Now financially free, Mindy and Scott refuse to retire early for a good reason.  In this special four-hundredth episode, Mindy and Scott share their money stories, how they found the FIRE movement, what they did with their money, and why they choose to work, even though they don’t have to. If you want to know the real reason behind Scott and Mindy’s skyrocketing success, stick around because their stories are much more repeatable than you may think.    In This Episode We Cover  The origins of the BiggerPockets Money Podcast and how risky investing prompted a powerful podcast  The index fund vs. individual stock-picking debate and why Mindy started to shift her portfolio  How Mindy and Scott found the FIRE movement and how they both quickly reached financial independence  Becoming a CEO and why Scott’s “don’t ask for a raise” philosophy paid off BIG time  Choosing to work instead of retiring early and why a meaningful livelihood beats a relaxing early retirement  The simple but profound moves Scott made to triple his net worth in just a few years  And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  BiggerPockets Forums  Finance Review Guest Onboarding  Scott's Instagram  Mindy's  Connect with James  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Subscribe to The “On The Market” YouTube Channel  Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets  Money Moment  Mr. Money Mustache's article  1,500 Days  Breaking the Taboo of Talking About Money with Friends, Family, and Bosses  How to Change Your Financial Life with a Money “Reset”  Margin Loans: Low-Interest Lending or Risky Rates?  Mindy's First Episode: Jump Starting Your Early FI Plans by Live-in Flipping  Scott’s First Episode: An All-Out Approach to Financial Independence at an Early Age    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-400    Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Let us know!]]></itunes:summary>
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	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[Being able to retire early is a blessing and a curse. When you first start working a job, all you can think of is escaping your everyday responsibilities. The mind-numbing tasks, the early mornings, late nights, horrible bosses—it all adds up. But, you then find the “financial independence, retire early movement (FIRE),” and almost overnight, you decide that your future will be dedicated to setting yourself financially free. You develop skills that help you make more at your job, feeding into bigger, better investments. And as a result, you end up being in a better position, at a more respectable job, earning more than you thought possible, and enjoying the challenge of everyday work.  This is precisely what happened to your hosts, Mindy Jensen and Scott Trench. Both started at jobs they didn’t love, wanting to be financially free. Through hard work and skill-building, Mindy and Scott were brought together, prompting them to start the BiggerPockets Money Podcast and build a company th]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
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<item>
	<title>399: Financially Free in 10 Years by Using Real Estate the Right Way</title>
	<link>https://biggerpocketsmoney.com/podcast/399-financially-free-in-10-years-by-using-real-estate-the-right-way/</link>
	<pubDate>Fri, 07 Apr 2023 06:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">0bc89e70-ae43-11ed-b92f-cb1e46aef850</guid>
	<description><![CDATA[Want to retire early in your 30s? Early retirement may be closer than you think. With smart money moves, intelligent investments, and the ability to save more than you spend, you could trade forty-hour work weeks for full days with your family. But, before you do, you’ll need to set yourself up with some killer cash flow, so [&#8230;]]]></description>
	<itunes:subtitle><![CDATA[Want to retire early in your 30s? Early retirement may be closer than you think. With smart money moves, intelligent investments, and the ability to save more than you spend, you could trade forty-hour work weeks for full days with your family. But, befo]]></itunes:subtitle>
	<content:encoded><![CDATA[Want to retire early in your 30s? Early retirement may be closer than you think. With smart money moves, intelligent investments, and the ability to save more than you spend, you could trade forty-hour work weeks for full days with your family. But, before you do, you’ll need to set yourself up with some killer cash flow, so [&#8230;]]]></content:encoded>
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	<itunes:summary><![CDATA[Want to retire early in your 30s? Early retirement may be closer than you think. With smart money moves, intelligent investments, and the ability to save more than you spend, you could trade forty-hour work weeks for full days with your family. But, before you do, you’ll need to set yourself up with some killer cash flow, so [&#8230;]]]></itunes:summary>
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	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[Want to retire early in your 30s? Early retirement may be closer than you think. With smart money moves, intelligent investments, and the ability to save more than you spend, you could trade forty-hour work weeks for full days with your family. But, before you do, you’ll need to set yourself up with some killer cash flow, so [&#8230;]]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>398: How to Change Your Financial Life with a Money “Reset”</title>
	<link>https://biggerpocketsmoney.com/podcast/398-how-to-change-your-financial-life-with-a-money-reset/</link>
	<pubDate>Mon, 03 Apr 2023 06:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">0bb70cbe-ae43-11ed-b92f-239c6e6c50ed</guid>
	<description><![CDATA[For so long, early retirement has been THE goal of those chasing financial independence. Can you imagine waking up with unlimited time, not having to work, and reporting to no one but yourself? Now imagine that day in and day out. Before long, the luster of never working gets to you, and that&#8217;s because if you&#8217;ve achieved financial independence, [&#8230;]]]></description>
	<itunes:subtitle><![CDATA[For so long, early retirement has been THE goal of those chasing financial independence. Can you imagine waking up with unlimited time, not having to work, and reporting to no one but yourself? Now imagine that day in and day out. Before long, the luster]]></itunes:subtitle>
	<content:encoded><![CDATA[For so long, early retirement has been THE goal of those chasing financial independence. Can you imagine waking up with unlimited time, not having to work, and reporting to no one but yourself? Now imagine that day in and day out. Before long, the luster of never working gets to you, and that&#8217;s because if you&#8217;ve achieved financial independence, [&#8230;]]]></content:encoded>
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	<itunes:summary><![CDATA[For so long, early retirement has been THE goal of those chasing financial independence. Can you imagine waking up with unlimited time, not having to work, and reporting to no one but yourself? Now imagine that day in and day out. Before long, the luster of never working gets to you, and that&#8217;s because if you&#8217;ve achieved financial independence, [&#8230;]]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
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	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[For so long, early retirement has been THE goal of those chasing financial independence. Can you imagine waking up with unlimited time, not having to work, and reporting to no one but yourself? Now imagine that day in and day out. Before long, the luster of never working gets to you, and that&#8217;s because if you&#8217;ve achieved financial independence, [&#8230;]]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
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<item>
	<title>397: Estate Planning, Wills, and What to Do NOW to Protect Your Heirs</title>
	<link>https://biggerpocketsmoney.com/podcast/397-estate-planning-wills-and-what-to-do-now-to-protect-your-heirs/</link>
	<pubDate>Fri, 31 Mar 2023 06:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">0ba5a712-ae43-11ed-b92f-c3ae2c015f88</guid>
	<description><![CDATA[Financial freedom allows you to do what you want, when you want, and with who you want. But it’s not just for lounging in hammocks or jet-setting around the world. When tragedy strikes, a sudden loss occurs, and you need time to spend with your family, friends, and loved ones, financial freedom becomes the bedrock of what helps you recover. This is why the option to retire early is so crucial for the everyday American; you never know when you’ll need to take some time for yourself.  Jordan Klint, former guest on episode sixty-three, achieved financial freedom at a surprisingly young age, with five children to boot! His time freedom and ability to live on his terms was an added bonus the last time we talked to him, but now, we understand that it was necessary for Jordan to keep sane during the past year. Jordan’s family went through a significant tragedy, resulting in the loss of not one but multiple relatives all at once. This was an incredibly hard time for Jordan and his family but has allowed him to reflect on what FIRE-chasers need to do to ensure their families are protected when they pass.  While this episode does bring up some difficult points, it’s full of extremely useful tips that Jordan used to get his family’s finances together. We get into estate planning, why you need a will, life insurance, car insurance, and the “emergency binder” that EVERYONE should have. Don’t wait until the unexpected happens. If you’re building wealth, you NEED to put these plans in place.     In This Episode We Cover  Estate planning 101 and why trusts, wills, and other documents can protect your family’s wealth   Self-care, mental health, and why investing in your friends is so important  Life insurance and why buying a policy is crucial for family members who rely on you  Financial planners and how to use their expertise to help you structure an after-passing plan  Early retirement and how Jordan was able to take time to recover and recharge  Jordan’s post-retirement portfolio and how he’s spending his days after reaching financial freedom  And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  BiggerPockets Forums  Finance Review Guest Onboarding  Mindy's Twitter  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Subscribe to The “On The Market” YouTube Channel  Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets  Check Out Mindy’s 2022 Live Spending Tracker and Budget  Money Moment  Hear Our Last Episode with Jordan  Everything You Need to Know BEFORE You Invest in Syndications  Grab the “Emergency Binder”    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-397    Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Let us know!]]></description>
	<itunes:subtitle><![CDATA[Financial freedom allows you to do what you want, when you want, and with who you want. But it’s not just for lounging in hammocks or jet-setting around the world. When tragedy strikes, a sudden loss occurs, and you need time to spend with your family, f]]></itunes:subtitle>
	<content:encoded><![CDATA[Financial freedom allows you to do what you want, when you want, and with who you want. But it’s not just for lounging in hammocks or jet-setting around the world. When tragedy strikes, a sudden loss occurs, and you need time to spend with your family, friends, and loved ones, financial freedom becomes the bedrock of what helps you recover. This is why the option to retire early is so crucial for the everyday American; you never know when you’ll need to take some time for yourself.  Jordan Klint, former guest on episode sixty-three, achieved financial freedom at a surprisingly young age, with five children to boot! His time freedom and ability to live on his terms was an added bonus the last time we talked to him, but now, we understand that it was necessary for Jordan to keep sane during the past year. Jordan’s family went through a significant tragedy, resulting in the loss of not one but multiple relatives all at once. This was an incredibly hard time for Jordan and his family but has allowed him to reflect on what FIRE-chasers need to do to ensure their families are protected when they pass.  While this episode does bring up some difficult points, it’s full of extremely useful tips that Jordan used to get his family’s finances together. We get into estate planning, why you need a will, life insurance, car insurance, and the “emergency binder” that EVERYONE should have. Don’t wait until the unexpected happens. If you’re building wealth, you NEED to put these plans in place.     In This Episode We Cover  Estate planning 101 and why trusts, wills, and other documents can protect your family’s wealth   Self-care, mental health, and why investing in your friends is so important  Life insurance and why buying a policy is crucial for family members who rely on you  Financial planners and how to use their expertise to help you structure an after-passing plan  Early retirement and how Jordan was able to take time to recover and recharge  Jordan’s post-retirement portfolio and how he’s spending his days after reaching financial freedom  And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  BiggerPockets Forums  Finance Review Guest Onboarding  Mindy's Twitter  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Subscribe to The “On The Market” YouTube Channel  Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets  Check Out Mindy’s 2022 Live Spending Tracker and Budget  Money Moment  Hear Our Last Episode with Jordan  Everything You Need to Know BEFORE You Invest in Syndications  Grab the “Emergency Binder”    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-397    Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Let us know!]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC4323006199.mp3" length="68802896" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[Financial freedom allows you to do what you want, when you want, and with who you want. But it’s not just for lounging in hammocks or jet-setting around the world. When tragedy strikes, a sudden loss occurs, and you need time to spend with your family, friends, and loved ones, financial freedom becomes the bedrock of what helps you recover. This is why the option to retire early is so crucial for the everyday American; you never know when you’ll need to take some time for yourself.  Jordan Klint, former guest on episode sixty-three, achieved financial freedom at a surprisingly young age, with five children to boot! His time freedom and ability to live on his terms was an added bonus the last time we talked to him, but now, we understand that it was necessary for Jordan to keep sane during the past year. Jordan’s family went through a significant tragedy, resulting in the loss of not one but multiple relatives all at once. This was an incredibly hard time for Jordan and his family but has allowed him to reflect on what FIRE-chasers need to do to ensure their families are protected when they pass.  While this episode does bring up some difficult points, it’s full of extremely useful tips that Jordan used to get his family’s finances together. We get into estate planning, why you need a will, life insurance, car insurance, and the “emergency binder” that EVERYONE should have. Don’t wait until the unexpected happens. If you’re building wealth, you NEED to put these plans in place.     In This Episode We Cover  Estate planning 101 and why trusts, wills, and other documents can protect your family’s wealth   Self-care, mental health, and why investing in your friends is so important  Life insurance and why buying a policy is crucial for family members who rely on you  Financial planners and how to use their expertise to help you structure an after-passing plan  Early retirement and how Jordan was able to take time to recover and recharge  Jordan’s post-retirement portfolio and how he’s spending his days after reaching financial freedom  And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  BiggerPockets Forums  Finance Review Guest Onboarding  Mindy's Twitter  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Subscribe to The “On The Market” YouTube Channel  Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets  Check Out Mindy’s 2022 Live Spending Tracker and Budget  Money Moment  Hear Our Last Episode with Jordan  Everything You Need to Know BEFORE You Invest in Syndications  Grab the “Emergency Binder”    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-397    Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Let us know!]]></itunes:summary>
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	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[Financial freedom allows you to do what you want, when you want, and with who you want. But it’s not just for lounging in hammocks or jet-setting around the world. When tragedy strikes, a sudden loss occurs, and you need time to spend with your family, friends, and loved ones, financial freedom becomes the bedrock of what helps you recover. This is why the option to retire early is so crucial for the everyday American; you never know when you’ll need to take some time for yourself.  Jordan Klint, former guest on episode sixty-three, achieved financial freedom at a surprisingly young age, with five children to boot! His time freedom and ability to live on his terms was an added bonus the last time we talked to him, but now, we understand that it was necessary for Jordan to keep sane during the past year. Jordan’s family went through a significant tragedy, resulting in the loss of not one but multiple relatives all at once. This was an incredibly hard time for Jordan and his family but ]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
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<item>
	<title>396: The Investments That Will Give You COMPLETE Time Freedom</title>
	<link>https://biggerpocketsmoney.com/podcast/396-the-investments-that-will-give-you-complete-time-freedom/</link>
	<pubDate>Mon, 27 Mar 2023 06:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">0b949c60-ae43-11ed-b92f-bff8bc4100d2</guid>
	<description><![CDATA[You want to retire early, but odds are, you think that you can’t. Whether it’s a high-stress job, a business that requires your full attention, or just the belief that you MUST be working, most Americans don’t think they can regain their time freedom. But most people don’t know about “lifestyle investing.” Instead of trying to be the wealthiest investor with the biggest house, fastest car, and most money in the bank, lifestyle investing asks, “what do you TRULY need to be financially free?”  And there’s no one better to answer this question than Justin Donald, author of The Lifestyle Investor: The 10 Commandments of Cash Flow Investing for Passive Income and Financial Freedom. Justin redefined what it means to be rich by focusing on time, not money, as the most important metric. He went from working as a stressed-out business owner to having complete time and financial freedom simply by putting the lifestyle he wanted before everything else. And he has a lot to teach those of us that have yet to hit financial independence.  Today, Justin will define some of his cash flow commandments, explain why passive income is the most essential investment you can make, and detail how to start living a proactive, not reactive, lifestyle. No matter where you’re at financially, this shift in understanding will help you build the life you love, WITHOUT creating more tasks for yourself to take care of!    In This Episode We Cover  Lifestyle investing explained, and why time freedom is far more important than money   How to find out whether you run your business or your business runs you  The ten commandments of passive cash flow and where to find it  Real estate investing and other income streams EVERYONE should know about   Diversification vs. concentration and which builds wealth faster  De-risking your investments and how to get money out of any deal your enter  And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  BiggerPockets Forums  Finance Review Guest Onboarding  Mindy's Twitter  Jamil's Profile  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Subscribe to The “On The Market” YouTube Channel  Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets  Check Out Mindy’s 2022 Live Spending Tracker and Budget  Money Moment  12 Ways To Make Passive Income From Real Estate Investing    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-396    Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Let us know!]]></description>
	<itunes:subtitle><![CDATA[You want to retire early, but odds are, you think that you can’t. Whether it’s a high-stress job, a business that requires your full attention, or just the belief that you MUST be working, most Americans don’t think they can regain their time freedom. Bu]]></itunes:subtitle>
	<content:encoded><![CDATA[You want to retire early, but odds are, you think that you can’t. Whether it’s a high-stress job, a business that requires your full attention, or just the belief that you MUST be working, most Americans don’t think they can regain their time freedom. But most people don’t know about “lifestyle investing.” Instead of trying to be the wealthiest investor with the biggest house, fastest car, and most money in the bank, lifestyle investing asks, “what do you TRULY need to be financially free?”  And there’s no one better to answer this question than Justin Donald, author of The Lifestyle Investor: The 10 Commandments of Cash Flow Investing for Passive Income and Financial Freedom. Justin redefined what it means to be rich by focusing on time, not money, as the most important metric. He went from working as a stressed-out business owner to having complete time and financial freedom simply by putting the lifestyle he wanted before everything else. And he has a lot to teach those of us that have yet to hit financial independence.  Today, Justin will define some of his cash flow commandments, explain why passive income is the most essential investment you can make, and detail how to start living a proactive, not reactive, lifestyle. No matter where you’re at financially, this shift in understanding will help you build the life you love, WITHOUT creating more tasks for yourself to take care of!    In This Episode We Cover  Lifestyle investing explained, and why time freedom is far more important than money   How to find out whether you run your business or your business runs you  The ten commandments of passive cash flow and where to find it  Real estate investing and other income streams EVERYONE should know about   Diversification vs. concentration and which builds wealth faster  De-risking your investments and how to get money out of any deal your enter  And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  BiggerPockets Forums  Finance Review Guest Onboarding  Mindy's Twitter  Jamil's Profile  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Subscribe to The “On The Market” YouTube Channel  Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets  Check Out Mindy’s 2022 Live Spending Tracker and Budget  Money Moment  12 Ways To Make Passive Income From Real Estate Investing    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-396    Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Let us know!]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC5525585526.mp3" length="84218447" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[You want to retire early, but odds are, you think that you can’t. Whether it’s a high-stress job, a business that requires your full attention, or just the belief that you MUST be working, most Americans don’t think they can regain their time freedom. But most people don’t know about “lifestyle investing.” Instead of trying to be the wealthiest investor with the biggest house, fastest car, and most money in the bank, lifestyle investing asks, “what do you TRULY need to be financially free?”  And there’s no one better to answer this question than Justin Donald, author of The Lifestyle Investor: The 10 Commandments of Cash Flow Investing for Passive Income and Financial Freedom. Justin redefined what it means to be rich by focusing on time, not money, as the most important metric. He went from working as a stressed-out business owner to having complete time and financial freedom simply by putting the lifestyle he wanted before everything else. And he has a lot to teach those of us that have yet to hit financial independence.  Today, Justin will define some of his cash flow commandments, explain why passive income is the most essential investment you can make, and detail how to start living a proactive, not reactive, lifestyle. No matter where you’re at financially, this shift in understanding will help you build the life you love, WITHOUT creating more tasks for yourself to take care of!    In This Episode We Cover  Lifestyle investing explained, and why time freedom is far more important than money   How to find out whether you run your business or your business runs you  The ten commandments of passive cash flow and where to find it  Real estate investing and other income streams EVERYONE should know about   Diversification vs. concentration and which builds wealth faster  De-risking your investments and how to get money out of any deal your enter  And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  BiggerPockets Forums  Finance Review Guest Onboarding  Mindy's Twitter  Jamil's Profile  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Subscribe to The “On The Market” YouTube Channel  Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets  Check Out Mindy’s 2022 Live Spending Tracker and Budget  Money Moment  12 Ways To Make Passive Income From Real Estate Investing    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-396    Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Let us know!]]></itunes:summary>
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	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[You want to retire early, but odds are, you think that you can’t. Whether it’s a high-stress job, a business that requires your full attention, or just the belief that you MUST be working, most Americans don’t think they can regain their time freedom. But most people don’t know about “lifestyle investing.” Instead of trying to be the wealthiest investor with the biggest house, fastest car, and most money in the bank, lifestyle investing asks, “what do you TRULY need to be financially free?”  And there’s no one better to answer this question than Justin Donald, author of The Lifestyle Investor: The 10 Commandments of Cash Flow Investing for Passive Income and Financial Freedom. Justin redefined what it means to be rich by focusing on time, not money, as the most important metric. He went from working as a stressed-out business owner to having complete time and financial freedom simply by putting the lifestyle he wanted before everything else. And he has a lot to teach those of us that ]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
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<item>
	<title>395: Finance Friday: House Hacking, Side Hustles, and the Path to FI by 45</title>
	<link>https://biggerpocketsmoney.com/podcast/395-finance-friday-house-hacking-side-hustles-and-the-path-to-fi-by-45/</link>
	<pubDate>Fri, 24 Mar 2023 06:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">0b83545a-ae43-11ed-b92f-83001445e0ae</guid>
	<description><![CDATA[Want to hit FIRE? You’ll need a smart side hustle. We’re talking about income-doubling, cash-printing, serious side businesses that will allow you to leave your job and grow a substantial income stream, so you can invest the rest andreach the early retirement you’ve dreamed of. And for today’s guest, Alex, this is exactly the goal. Alex left college and went straight into the corporate world, only to realize that her potential wasn’t being met and there were alternative income goldmines that she could be chasing.  So, she got her real estate license as a side hustle, helping buyers and sellers get into and out of homes. Her commissions boosted her income to unforeseen amounts, and now, Alex is sitting on a stack of cash that could help launch her to financial independence. But, even now, with a better job and a serious side hustle, Alex wants to venture deeper into the entrepreneurial realm. The next big dream? Becoming a financial coach for those that want to be in her position.  But, before she starts, Alex needs help figuring out what to do with the savings account she’s been diligently growing. Should she use it to put twenty percent down on a house hack that would limit her living expenses? Or, is there a savvier, more creative way to finance her next property that could put Alex in a FAR better position? If you’re trying to hit FI before, after, or at forty-five, this episode is one you can’t afford to miss!    In This Episode We Cover  Starting your side hustle and boosting your income by turning extra time into money  Creative financing and how to buy your first property at a rock-bottom mortgage rate  How to know if you have too much cash (and what to do with it)  HSAs, IRAs, 401ks, and other retirement accounts you should be throwing cash at   Becoming a real estate agent and whether or not it’s worth it for the commission checks  Designing the perfect portfolio for early retirement (even if you’re just getting started)  House hacking and how to use your primary residence to generate passive income  And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  BiggerPockets Forums  Finance Review Guest Onboarding  Scott's Instagram  Mindy's Twitter  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Subscribe to The “On The Market” YouTube Channel  Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets  Check Out Mindy’s 2022 Live Spending Tracker and Budget  Money Moment  Finance Friday: Why “Doing Everything Yourself” is Costing You THOUSANDS  How to Make Extra Money in 2023: 21 Ideas for Part-Time Gigs & Side Hustles  From Extreme Poverty to DIY Wealth and 2 Full-Time Incomes w/The She Wolfe of Wall Street    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-395    Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Check out our sponsor page!]]></description>
	<itunes:subtitle><![CDATA[Want to hit FIRE? You’ll need a smart side hustle. We’re talking about income-doubling, cash-printing, serious side businesses that will allow you to leave your job and grow a substantial income stream, so you can invest the rest andreach the early retir]]></itunes:subtitle>
	<content:encoded><![CDATA[Want to hit FIRE? You’ll need a smart side hustle. We’re talking about income-doubling, cash-printing, serious side businesses that will allow you to leave your job and grow a substantial income stream, so you can invest the rest andreach the early retirement you’ve dreamed of. And for today’s guest, Alex, this is exactly the goal. Alex left college and went straight into the corporate world, only to realize that her potential wasn’t being met and there were alternative income goldmines that she could be chasing.  So, she got her real estate license as a side hustle, helping buyers and sellers get into and out of homes. Her commissions boosted her income to unforeseen amounts, and now, Alex is sitting on a stack of cash that could help launch her to financial independence. But, even now, with a better job and a serious side hustle, Alex wants to venture deeper into the entrepreneurial realm. The next big dream? Becoming a financial coach for those that want to be in her position.  But, before she starts, Alex needs help figuring out what to do with the savings account she’s been diligently growing. Should she use it to put twenty percent down on a house hack that would limit her living expenses? Or, is there a savvier, more creative way to finance her next property that could put Alex in a FAR better position? If you’re trying to hit FI before, after, or at forty-five, this episode is one you can’t afford to miss!    In This Episode We Cover  Starting your side hustle and boosting your income by turning extra time into money  Creative financing and how to buy your first property at a rock-bottom mortgage rate  How to know if you have too much cash (and what to do with it)  HSAs, IRAs, 401ks, and other retirement accounts you should be throwing cash at   Becoming a real estate agent and whether or not it’s worth it for the commission checks  Designing the perfect portfolio for early retirement (even if you’re just getting started)  House hacking and how to use your primary residence to generate passive income  And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  BiggerPockets Forums  Finance Review Guest Onboarding  Scott's Instagram  Mindy's Twitter  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Subscribe to The “On The Market” YouTube Channel  Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets  Check Out Mindy’s 2022 Live Spending Tracker and Budget  Money Moment  Finance Friday: Why “Doing Everything Yourself” is Costing You THOUSANDS  How to Make Extra Money in 2023: 21 Ideas for Part-Time Gigs & Side Hustles  From Extreme Poverty to DIY Wealth and 2 Full-Time Incomes w/The She Wolfe of Wall Street    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-395    Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Check out our sponsor page!]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC6966210594.mp3" length="54146652" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[Want to hit FIRE? You’ll need a smart side hustle. We’re talking about income-doubling, cash-printing, serious side businesses that will allow you to leave your job and grow a substantial income stream, so you can invest the rest andreach the early retirement you’ve dreamed of. And for today’s guest, Alex, this is exactly the goal. Alex left college and went straight into the corporate world, only to realize that her potential wasn’t being met and there were alternative income goldmines that she could be chasing.  So, she got her real estate license as a side hustle, helping buyers and sellers get into and out of homes. Her commissions boosted her income to unforeseen amounts, and now, Alex is sitting on a stack of cash that could help launch her to financial independence. But, even now, with a better job and a serious side hustle, Alex wants to venture deeper into the entrepreneurial realm. The next big dream? Becoming a financial coach for those that want to be in her position.  But, before she starts, Alex needs help figuring out what to do with the savings account she’s been diligently growing. Should she use it to put twenty percent down on a house hack that would limit her living expenses? Or, is there a savvier, more creative way to finance her next property that could put Alex in a FAR better position? If you’re trying to hit FI before, after, or at forty-five, this episode is one you can’t afford to miss!    In This Episode We Cover  Starting your side hustle and boosting your income by turning extra time into money  Creative financing and how to buy your first property at a rock-bottom mortgage rate  How to know if you have too much cash (and what to do with it)  HSAs, IRAs, 401ks, and other retirement accounts you should be throwing cash at   Becoming a real estate agent and whether or not it’s worth it for the commission checks  Designing the perfect portfolio for early retirement (even if you’re just getting started)  House hacking and how to use your primary residence to generate passive income  And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  BiggerPockets Forums  Finance Review Guest Onboarding  Scott's Instagram  Mindy's Twitter  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Subscribe to The “On The Market” YouTube Channel  Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets  Check Out Mindy’s 2022 Live Spending Tracker and Budget  Money Moment  Finance Friday: Why “Doing Everything Yourself” is Costing You THOUSANDS  How to Make Extra Money in 2023: 21 Ideas for Part-Time Gigs & Side Hustles  From Extreme Poverty to DIY Wealth and 2 Full-Time Incomes w/The She Wolfe of Wall Street    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-395    Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Check out our sponsor page!]]></itunes:summary>
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	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[Want to hit FIRE? You’ll need a smart side hustle. We’re talking about income-doubling, cash-printing, serious side businesses that will allow you to leave your job and grow a substantial income stream, so you can invest the rest andreach the early retirement you’ve dreamed of. And for today’s guest, Alex, this is exactly the goal. Alex left college and went straight into the corporate world, only to realize that her potential wasn’t being met and there were alternative income goldmines that she could be chasing.  So, she got her real estate license as a side hustle, helping buyers and sellers get into and out of homes. Her commissions boosted her income to unforeseen amounts, and now, Alex is sitting on a stack of cash that could help launch her to financial independence. But, even now, with a better job and a serious side hustle, Alex wants to venture deeper into the entrepreneurial realm. The next big dream? Becoming a financial coach for those that want to be in her position.  But]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
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<item>
	<title>394: Ask the Money Experts: Backdoor Roths, Bad Debt, &#038; When to Fire Your Financial Advisor</title>
	<link>https://biggerpocketsmoney.com/podcast/394-ask-the-money-experts-backdoor-roths-bad-debt-when-to-fire-your-financial-advisor/</link>
	<pubDate>Mon, 20 Mar 2023 06:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
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	<description><![CDATA[Retirement investing, bad debt, backdoor Roth IRAs, bonds, and starting a business. If you’re just beginning your personal finance journey, this can all seem a bit complicated. Where do you invest first? What should you do with extra cash? And how do you know a financial fiduciary is genuinely looking out for your best interest? Don’t worry; you don’t need all the answers. Just tune in, and listen to what financial expert Amanda Wolfe and Certified Financial Planner Kyle Mast have to say.  It’s been a few months since we spoke to our go-to money experts. But we’ve been receiving a ton of finance FAQs in our Facebook group. So, we rounded up some of the best and got Amanda and Kyle’s take live on this episode. First, we’ll go over when to pay off bad debt when starting a business and what a “no money down” business really means. Then, Amanda and Kyle give their strong stances on if bond investing makes sense for the average FIRE-chaser.  You’ll also hear the OPTIMAL way to set up your retirement investing, which accounts are worth hitting first, and the financial order of operations you should follow to optimize your retirement planning. And try not to send your financial advisor this episode because we’ll be discussing when an advisor is and isn’t worth the money and why a commission-based fee structure could be a big red flag when deciding who to invest with. All this (and much more) is coming up in this episode!  In This Episode We Cover  The exact way to invest for retirement and which accounts deserve your cash the most  The backdoor Roth IRA explained and how to invest a MASSIVE amount in one of the most tax-advantaged retirement accounts   Whether you should pay off bad debt BEFORE starting your own small business  Investing in bonds and why this “safe” investment might not be worth the lost profit  HSAs (health savings accounts) and when to get reimbursed for past medical purchases  Fee-only vs. commission-based financial advisors and why the two are DRAMATICALLY different  And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  BiggerPockets Forums  Finance Review Guest Onboarding  Mindy's Twitter  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Subscribe to The “On The Market” YouTube Channel  Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets  Check Out Mindy’s 2022 Live Spending Tracker and Budget  She Wolf of Wall Street Website  How MLMs and Pyramid Schemes Trap Average Americans  Amanda’s Past Episodes: From Extreme Poverty to DIY Wealth and 2 Full-Time Incomes  Kyle's Past Episodes: A Personal Finance Masterclass  Retirement Planning During (and After) the Coronavirus with Kyle Mast  How to Find the Best Possible Certified Financial Planner    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-394    Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Let us know!]]></description>
	<itunes:subtitle><![CDATA[Retirement investing, bad debt, backdoor Roth IRAs, bonds, and starting a business. If you’re just beginning your personal finance journey, this can all seem a bit complicated. Where do you invest first? What should you do with extra cash? And how do you]]></itunes:subtitle>
	<content:encoded><![CDATA[Retirement investing, bad debt, backdoor Roth IRAs, bonds, and starting a business. If you’re just beginning your personal finance journey, this can all seem a bit complicated. Where do you invest first? What should you do with extra cash? And how do you know a financial fiduciary is genuinely looking out for your best interest? Don’t worry; you don’t need all the answers. Just tune in, and listen to what financial expert Amanda Wolfe and Certified Financial Planner Kyle Mast have to say.  It’s been a few months since we spoke to our go-to money experts. But we’ve been receiving a ton of finance FAQs in our Facebook group. So, we rounded up some of the best and got Amanda and Kyle’s take live on this episode. First, we’ll go over when to pay off bad debt when starting a business and what a “no money down” business really means. Then, Amanda and Kyle give their strong stances on if bond investing makes sense for the average FIRE-chaser.  You’ll also hear the OPTIMAL way to set up your retirement investing, which accounts are worth hitting first, and the financial order of operations you should follow to optimize your retirement planning. And try not to send your financial advisor this episode because we’ll be discussing when an advisor is and isn’t worth the money and why a commission-based fee structure could be a big red flag when deciding who to invest with. All this (and much more) is coming up in this episode!  In This Episode We Cover  The exact way to invest for retirement and which accounts deserve your cash the most  The backdoor Roth IRA explained and how to invest a MASSIVE amount in one of the most tax-advantaged retirement accounts   Whether you should pay off bad debt BEFORE starting your own small business  Investing in bonds and why this “safe” investment might not be worth the lost profit  HSAs (health savings accounts) and when to get reimbursed for past medical purchases  Fee-only vs. commission-based financial advisors and why the two are DRAMATICALLY different  And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  BiggerPockets Forums  Finance Review Guest Onboarding  Mindy's Twitter  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Subscribe to The “On The Market” YouTube Channel  Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets  Check Out Mindy’s 2022 Live Spending Tracker and Budget  She Wolf of Wall Street Website  How MLMs and Pyramid Schemes Trap Average Americans  Amanda’s Past Episodes: From Extreme Poverty to DIY Wealth and 2 Full-Time Incomes  Kyle's Past Episodes: A Personal Finance Masterclass  Retirement Planning During (and After) the Coronavirus with Kyle Mast  How to Find the Best Possible Certified Financial Planner    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-394    Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Let us know!]]></content:encoded>
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	<itunes:summary><![CDATA[Retirement investing, bad debt, backdoor Roth IRAs, bonds, and starting a business. If you’re just beginning your personal finance journey, this can all seem a bit complicated. Where do you invest first? What should you do with extra cash? And how do you know a financial fiduciary is genuinely looking out for your best interest? Don’t worry; you don’t need all the answers. Just tune in, and listen to what financial expert Amanda Wolfe and Certified Financial Planner Kyle Mast have to say.  It’s been a few months since we spoke to our go-to money experts. But we’ve been receiving a ton of finance FAQs in our Facebook group. So, we rounded up some of the best and got Amanda and Kyle’s take live on this episode. First, we’ll go over when to pay off bad debt when starting a business and what a “no money down” business really means. Then, Amanda and Kyle give their strong stances on if bond investing makes sense for the average FIRE-chaser.  You’ll also hear the OPTIMAL way to set up your retirement investing, which accounts are worth hitting first, and the financial order of operations you should follow to optimize your retirement planning. And try not to send your financial advisor this episode because we’ll be discussing when an advisor is and isn’t worth the money and why a commission-based fee structure could be a big red flag when deciding who to invest with. All this (and much more) is coming up in this episode!  In This Episode We Cover  The exact way to invest for retirement and which accounts deserve your cash the most  The backdoor Roth IRA explained and how to invest a MASSIVE amount in one of the most tax-advantaged retirement accounts   Whether you should pay off bad debt BEFORE starting your own small business  Investing in bonds and why this “safe” investment might not be worth the lost profit  HSAs (health savings accounts) and when to get reimbursed for past medical purchases  Fee-only vs. commission-based financial advisors and why the two are DRAMATICALLY different  And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  BiggerPockets Forums  Finance Review Guest Onboarding  Mindy's Twitter  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Subscribe to The “On The Market” YouTube Channel  Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets  Check Out Mindy’s 2022 Live Spending Tracker and Budget  She Wolf of Wall Street Website  How MLMs and Pyramid Schemes Trap Average Americans  Amanda’s Past Episodes: From Extreme Poverty to DIY Wealth and 2 Full-Time Incomes  Kyle's Past Episodes: A Personal Finance Masterclass  Retirement Planning During (and After) the Coronavirus with Kyle Mast  How to Find the Best Possible Certified Financial Planner    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-394    Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Let us know!]]></itunes:summary>
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	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[Retirement investing, bad debt, backdoor Roth IRAs, bonds, and starting a business. If you’re just beginning your personal finance journey, this can all seem a bit complicated. Where do you invest first? What should you do with extra cash? And how do you know a financial fiduciary is genuinely looking out for your best interest? Don’t worry; you don’t need all the answers. Just tune in, and listen to what financial expert Amanda Wolfe and Certified Financial Planner Kyle Mast have to say.  It’s been a few months since we spoke to our go-to money experts. But we’ve been receiving a ton of finance FAQs in our Facebook group. So, we rounded up some of the best and got Amanda and Kyle’s take live on this episode. First, we’ll go over when to pay off bad debt when starting a business and what a “no money down” business really means. Then, Amanda and Kyle give their strong stances on if bond investing makes sense for the average FIRE-chaser.  You’ll also hear the OPTIMAL way to set up your ]]></googleplay:description>
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<item>
	<title>393: SVB&#8217;s Risky Bailout and The Bank Run “Domino Effect”</title>
	<link>https://biggerpocketsmoney.com/podcast/393-svbs-risky-bailout-and-the-bank-run-domino-effect/</link>
	<pubDate>Fri, 17 Mar 2023 06:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
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	<description><![CDATA[Both SVB (Silicon Valley Bank) and Signature Bank have crashed and burned dramatically over the past week. What once was a few large customers making withdrawals quickly turned into a bank run of epic proportions. Within just a few days, SVB went from one of the largest banks in the United States to one of the biggest bank failures in the nation’s history. But what led to such a fast-paced collapse, and are more banks on the chopping block?  You don’t need to be an expert economist to understand what happened at SVB and Signature Bank this week. But you will want to hear Dave Meyer’s take on what could come next. With bailouts back on the table, many Americans fear we’re on the edge of a total financial collapse, mirroring what unfolded in 2008. With more and more Americans going on cash grabs, trying to keep their wealth safe from the “domino effect” of bank failures, what should everyday investors prepare for?  More specifically, for our beloved real estate investors, how could SVB’s failure affect the housing market? Will the Federal Reserve finally be forced to end its aggressive rate hikes? Could money flood into real estate as hard assets become more attractive? Stick around as Dave explains this week’s wild events and what it could mean for the future of the US economy.    In This Episode We Cover  SVB’s (Silicon Valley Bank) collapse explained and why it failed so fast  The bank run “domino effect” that could put other intuitions at risk  Why a “bailout” happened so quickly, and whether customer funds were secured  Bond yields and why making long-term investments was a risky bet for SVB   The future of mortgage rates and how SVB’s failure could lead to fewer rate hikes  The psychology behind a bank failure and how it affects the entire economy  And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  BiggerPockets Forums  Finance Review Guest Onboarding  BiggerPockets Bootcamps  Join BiggerPockets for FREE  Scott's Instagram  Mindy's Twitter  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Subscribe to The “On The Market” YouTube Channel  Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets  Check Out Mindy’s 2022 Live Spending Tracker and Budget  Dave’s BiggerPockets Profile  Dave’s Instagram  How Did A $200B+ Bank Collapse In 48 Hours? Is Real Estate Going To Be Impacted?    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-393    Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Let us know!]]></description>
	<itunes:subtitle><![CDATA[Both SVB (Silicon Valley Bank) and Signature Bank have crashed and burned dramatically over the past week. What once was a few large customers making withdrawals quickly turned into a bank run of epic proportions. Within just a few days, SVB went from on]]></itunes:subtitle>
	<content:encoded><![CDATA[Both SVB (Silicon Valley Bank) and Signature Bank have crashed and burned dramatically over the past week. What once was a few large customers making withdrawals quickly turned into a bank run of epic proportions. Within just a few days, SVB went from one of the largest banks in the United States to one of the biggest bank failures in the nation’s history. But what led to such a fast-paced collapse, and are more banks on the chopping block?  You don’t need to be an expert economist to understand what happened at SVB and Signature Bank this week. But you will want to hear Dave Meyer’s take on what could come next. With bailouts back on the table, many Americans fear we’re on the edge of a total financial collapse, mirroring what unfolded in 2008. With more and more Americans going on cash grabs, trying to keep their wealth safe from the “domino effect” of bank failures, what should everyday investors prepare for?  More specifically, for our beloved real estate investors, how could SVB’s failure affect the housing market? Will the Federal Reserve finally be forced to end its aggressive rate hikes? Could money flood into real estate as hard assets become more attractive? Stick around as Dave explains this week’s wild events and what it could mean for the future of the US economy.    In This Episode We Cover  SVB’s (Silicon Valley Bank) collapse explained and why it failed so fast  The bank run “domino effect” that could put other intuitions at risk  Why a “bailout” happened so quickly, and whether customer funds were secured  Bond yields and why making long-term investments was a risky bet for SVB   The future of mortgage rates and how SVB’s failure could lead to fewer rate hikes  The psychology behind a bank failure and how it affects the entire economy  And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  BiggerPockets Forums  Finance Review Guest Onboarding  BiggerPockets Bootcamps  Join BiggerPockets for FREE  Scott's Instagram  Mindy's Twitter  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Subscribe to The “On The Market” YouTube Channel  Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets  Check Out Mindy’s 2022 Live Spending Tracker and Budget  Dave’s BiggerPockets Profile  Dave’s Instagram  How Did A $200B+ Bank Collapse In 48 Hours? Is Real Estate Going To Be Impacted?    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-393    Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Let us know!]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC9350589858.mp3" length="67959348" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[Both SVB (Silicon Valley Bank) and Signature Bank have crashed and burned dramatically over the past week. What once was a few large customers making withdrawals quickly turned into a bank run of epic proportions. Within just a few days, SVB went from one of the largest banks in the United States to one of the biggest bank failures in the nation’s history. But what led to such a fast-paced collapse, and are more banks on the chopping block?  You don’t need to be an expert economist to understand what happened at SVB and Signature Bank this week. But you will want to hear Dave Meyer’s take on what could come next. With bailouts back on the table, many Americans fear we’re on the edge of a total financial collapse, mirroring what unfolded in 2008. With more and more Americans going on cash grabs, trying to keep their wealth safe from the “domino effect” of bank failures, what should everyday investors prepare for?  More specifically, for our beloved real estate investors, how could SVB’s failure affect the housing market? Will the Federal Reserve finally be forced to end its aggressive rate hikes? Could money flood into real estate as hard assets become more attractive? Stick around as Dave explains this week’s wild events and what it could mean for the future of the US economy.    In This Episode We Cover  SVB’s (Silicon Valley Bank) collapse explained and why it failed so fast  The bank run “domino effect” that could put other intuitions at risk  Why a “bailout” happened so quickly, and whether customer funds were secured  Bond yields and why making long-term investments was a risky bet for SVB   The future of mortgage rates and how SVB’s failure could lead to fewer rate hikes  The psychology behind a bank failure and how it affects the entire economy  And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  BiggerPockets Forums  Finance Review Guest Onboarding  BiggerPockets Bootcamps  Join BiggerPockets for FREE  Scott's Instagram  Mindy's Twitter  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Subscribe to The “On The Market” YouTube Channel  Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets  Check Out Mindy’s 2022 Live Spending Tracker and Budget  Dave’s BiggerPockets Profile  Dave’s Instagram  How Did A $200B+ Bank Collapse In 48 Hours? Is Real Estate Going To Be Impacted?    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-393    Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Let us know!]]></itunes:summary>
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	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[Both SVB (Silicon Valley Bank) and Signature Bank have crashed and burned dramatically over the past week. What once was a few large customers making withdrawals quickly turned into a bank run of epic proportions. Within just a few days, SVB went from one of the largest banks in the United States to one of the biggest bank failures in the nation’s history. But what led to such a fast-paced collapse, and are more banks on the chopping block?  You don’t need to be an expert economist to understand what happened at SVB and Signature Bank this week. But you will want to hear Dave Meyer’s take on what could come next. With bailouts back on the table, many Americans fear we’re on the edge of a total financial collapse, mirroring what unfolded in 2008. With more and more Americans going on cash grabs, trying to keep their wealth safe from the “domino effect” of bank failures, what should everyday investors prepare for?  More specifically, for our beloved real estate investors, how could SVB’]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
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<item>
	<title>392: Kevin O&#8217;Leary: Ultimate Investing Advice from Mr. Wonderful</title>
	<link>https://biggerpocketsmoney.com/podcast/392-kevin-oleary-ultimate-investing-advice-from-mr-wonderful/</link>
	<pubDate>Mon, 13 Mar 2023 06:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
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	<description><![CDATA[Kevin O’Leary (AKA Mr. Wonderful) might be the world’s favorite (and most outspoken) investor. You’ve probably seen him on Shark Tank, where he’s doing deals with startups, putting overconfident entrepreneurs in their place, and often making boring products into billion-dollar companies. Kevin has the Midas touch, or at least it seems that way on television. Still, he doesn’t shy away from mentioning failures and the enormous lessons he’s learned that eventually led him to make hundreds of millions of dollars.  But before Kevin was Mr. Wonderful, he was just Kevin, the local ice cream scooper who learned a hard lesson about being an employee. After college, Kevin started a production business, which eventually led him to create The Learning Company, a $4.2 billion business that allowed Kevin to enter into a new stage of wealth. Since then, he’s been aggressively investing in (and building) private companies inside and out of Shark Tank. And after investing so heavily and working so hard, Kevin knows EXACTLY what makes a company (and investment) succeed or fail.  Today, we get a glimpse inside Kevin’s personal investment portfolio, the three things he thinks EVERY entrepreneur should have to make it big, and why diversification is one of the most CRUCIAL ways to build and protect your wealth. You’ll also hear how to invest in startups like Kevin does, why Kevin makes big bets on women entrepreneurs, and how he’s investing during today’s recessionary environment.    In This Episode We Cover  Kevin’s investment portfolio exposed and which assets he’s all-in on  The difference between an entrepreneur and an employee and why Kevin only worked one job  Why you MUST start tracking your income and expenses unless you want to remain broke  The three things EVERY investor/entrepreneur needs to make it big  Why building a portfolio beats investing in single stocks, companies, or ideas  The government program that could pay you hundreds of thousands if you own a business  How to start investing in startups and small businesses like Kevin does on Shark Tank   And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  BiggerPockets Forums  Finance Review Guest Onboarding  Scott's Instagram  Mindy's Twitter  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Subscribe to The “On The Market” YouTube Channel  Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets  Check Out Mindy’s 2022 Live Spending Tracker and Budget  Money Moment  3 Rules for Crushing It in Business  Here’s What It Takes to Succeed as an Entrepreneur    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-  Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Check out our sponsor page!]]></description>
	<itunes:subtitle><![CDATA[Kevin O’Leary (AKA Mr. Wonderful) might be the world’s favorite (and most outspoken) investor. You’ve probably seen him on Shark Tank, where he’s doing deals with startups, putting overconfident entrepreneurs in their place, and often making boring produ]]></itunes:subtitle>
	<content:encoded><![CDATA[Kevin O’Leary (AKA Mr. Wonderful) might be the world’s favorite (and most outspoken) investor. You’ve probably seen him on Shark Tank, where he’s doing deals with startups, putting overconfident entrepreneurs in their place, and often making boring products into billion-dollar companies. Kevin has the Midas touch, or at least it seems that way on television. Still, he doesn’t shy away from mentioning failures and the enormous lessons he’s learned that eventually led him to make hundreds of millions of dollars.  But before Kevin was Mr. Wonderful, he was just Kevin, the local ice cream scooper who learned a hard lesson about being an employee. After college, Kevin started a production business, which eventually led him to create The Learning Company, a $4.2 billion business that allowed Kevin to enter into a new stage of wealth. Since then, he’s been aggressively investing in (and building) private companies inside and out of Shark Tank. And after investing so heavily and working so hard, Kevin knows EXACTLY what makes a company (and investment) succeed or fail.  Today, we get a glimpse inside Kevin’s personal investment portfolio, the three things he thinks EVERY entrepreneur should have to make it big, and why diversification is one of the most CRUCIAL ways to build and protect your wealth. You’ll also hear how to invest in startups like Kevin does, why Kevin makes big bets on women entrepreneurs, and how he’s investing during today’s recessionary environment.    In This Episode We Cover  Kevin’s investment portfolio exposed and which assets he’s all-in on  The difference between an entrepreneur and an employee and why Kevin only worked one job  Why you MUST start tracking your income and expenses unless you want to remain broke  The three things EVERY investor/entrepreneur needs to make it big  Why building a portfolio beats investing in single stocks, companies, or ideas  The government program that could pay you hundreds of thousands if you own a business  How to start investing in startups and small businesses like Kevin does on Shark Tank   And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  BiggerPockets Forums  Finance Review Guest Onboarding  Scott's Instagram  Mindy's Twitter  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Subscribe to The “On The Market” YouTube Channel  Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets  Check Out Mindy’s 2022 Live Spending Tracker and Budget  Money Moment  3 Rules for Crushing It in Business  Here’s What It Takes to Succeed as an Entrepreneur    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-  Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Check out our sponsor page!]]></content:encoded>
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	<itunes:summary><![CDATA[Kevin O’Leary (AKA Mr. Wonderful) might be the world’s favorite (and most outspoken) investor. You’ve probably seen him on Shark Tank, where he’s doing deals with startups, putting overconfident entrepreneurs in their place, and often making boring products into billion-dollar companies. Kevin has the Midas touch, or at least it seems that way on television. Still, he doesn’t shy away from mentioning failures and the enormous lessons he’s learned that eventually led him to make hundreds of millions of dollars.  But before Kevin was Mr. Wonderful, he was just Kevin, the local ice cream scooper who learned a hard lesson about being an employee. After college, Kevin started a production business, which eventually led him to create The Learning Company, a $4.2 billion business that allowed Kevin to enter into a new stage of wealth. Since then, he’s been aggressively investing in (and building) private companies inside and out of Shark Tank. And after investing so heavily and working so hard, Kevin knows EXACTLY what makes a company (and investment) succeed or fail.  Today, we get a glimpse inside Kevin’s personal investment portfolio, the three things he thinks EVERY entrepreneur should have to make it big, and why diversification is one of the most CRUCIAL ways to build and protect your wealth. You’ll also hear how to invest in startups like Kevin does, why Kevin makes big bets on women entrepreneurs, and how he’s investing during today’s recessionary environment.    In This Episode We Cover  Kevin’s investment portfolio exposed and which assets he’s all-in on  The difference between an entrepreneur and an employee and why Kevin only worked one job  Why you MUST start tracking your income and expenses unless you want to remain broke  The three things EVERY investor/entrepreneur needs to make it big  Why building a portfolio beats investing in single stocks, companies, or ideas  The government program that could pay you hundreds of thousands if you own a business  How to start investing in startups and small businesses like Kevin does on Shark Tank   And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  BiggerPockets Forums  Finance Review Guest Onboarding  Scott's Instagram  Mindy's Twitter  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Subscribe to The “On The Market” YouTube Channel  Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets  Check Out Mindy’s 2022 Live Spending Tracker and Budget  Money Moment  3 Rules for Crushing It in Business  Here’s What It Takes to Succeed as an Entrepreneur    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-  Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Check out our sponsor page!]]></itunes:summary>
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	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[Kevin O’Leary (AKA Mr. Wonderful) might be the world’s favorite (and most outspoken) investor. You’ve probably seen him on Shark Tank, where he’s doing deals with startups, putting overconfident entrepreneurs in their place, and often making boring products into billion-dollar companies. Kevin has the Midas touch, or at least it seems that way on television. Still, he doesn’t shy away from mentioning failures and the enormous lessons he’s learned that eventually led him to make hundreds of millions of dollars.  But before Kevin was Mr. Wonderful, he was just Kevin, the local ice cream scooper who learned a hard lesson about being an employee. After college, Kevin started a production business, which eventually led him to create The Learning Company, a $4.2 billion business that allowed Kevin to enter into a new stage of wealth. Since then, he’s been aggressively investing in (and building) private companies inside and out of Shark Tank. And after investing so heavily and working so ha]]></googleplay:description>
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<item>
	<title>391: Finance Friday: Why “Doing Everything Yourself” is Costing You THOUSANDS</title>
	<link>https://biggerpocketsmoney.com/podcast/391-finance-friday-why-doing-everything-yourself-is-costing-you-thousands/</link>
	<pubDate>Fri, 10 Mar 2023 07:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
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	<description><![CDATA[Your small business could be the key to financial independence, early retirement, and more income than your W2 is paying you. But, most small business owners don’t understand the best way to grow their income stream. With a DIY mentality, you could be stuck doing the skilled work, answering the emails, picking up phone calls, bookkeeping, and spinning ten plates at the same time while your business fails to grow. Instead, you must step out of the “solopreneur” role and into the “business owner” mindset that can help you quickly make a six-figure income while working for yourself.  Today’s guest Amy took a big risk, leaving her job to start her physical therapy practice. She’s been slowly building up her income to a stable monthly amount but wants to spend more time on money-making activities in her business and less on administrative work that she could easily hire out. With a few quick calculations, Scott and Mindy devise a scalable way for Amy to start bringing in six figures while outsourcing all the work she doesn’t love.  And even though Amy wants to make more income, she’s not obsessed with hitting FIRE fast. Instead, she wants a slow path to FI, one where she can focus on raising her son, spending time with her family, and helping the patients that need it most. So if you’re stuck in a small business or side hustle that takes too much time while making too little, stick around for some stellar advice from Scott and Mindy!    In This Episode We Cover  The slow path to financial freedom and why you DON’T need to race to retire early  Small businesses, side hustles, and when it’s worth quitting your job to pursue your passion  Outsourcing and how to take the most menial tasks off your plate so you can focus on making more money  Websites, referrals, and other marketing tactics to bring in new business   Auto loans and the “gray area” of interest rates that EVERY listener should be careful of  Unit economics 101 and what all solopreneurs need to do to grow a full-on business  And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  BiggerPockets Forums  Finance Review Guest Onboarding  Scott's Instagram  Mindy's Twitter  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Subscribe to The “On The Market” YouTube Channel  Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets  Check Out Mindy’s 2022 Live Spending Tracker and Budget  Money Moment  How to Outsource Your Way to Multiple Streams of Income  The 3 Main Stages of Scaling Your Small Business  Buying and Growing a Small Business With Little to No Risk  21 Ideas for Part-Time Gigs & Side Hustles    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-391    Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Check out our sponsor page!]]></description>
	<itunes:subtitle><![CDATA[Your small business could be the key to financial independence, early retirement, and more income than your W2 is paying you. But, most small business owners don’t understand the best way to grow their income stream. With a DIY mentality, you could be st]]></itunes:subtitle>
	<content:encoded><![CDATA[Your small business could be the key to financial independence, early retirement, and more income than your W2 is paying you. But, most small business owners don’t understand the best way to grow their income stream. With a DIY mentality, you could be stuck doing the skilled work, answering the emails, picking up phone calls, bookkeeping, and spinning ten plates at the same time while your business fails to grow. Instead, you must step out of the “solopreneur” role and into the “business owner” mindset that can help you quickly make a six-figure income while working for yourself.  Today’s guest Amy took a big risk, leaving her job to start her physical therapy practice. She’s been slowly building up her income to a stable monthly amount but wants to spend more time on money-making activities in her business and less on administrative work that she could easily hire out. With a few quick calculations, Scott and Mindy devise a scalable way for Amy to start bringing in six figures while outsourcing all the work she doesn’t love.  And even though Amy wants to make more income, she’s not obsessed with hitting FIRE fast. Instead, she wants a slow path to FI, one where she can focus on raising her son, spending time with her family, and helping the patients that need it most. So if you’re stuck in a small business or side hustle that takes too much time while making too little, stick around for some stellar advice from Scott and Mindy!    In This Episode We Cover  The slow path to financial freedom and why you DON’T need to race to retire early  Small businesses, side hustles, and when it’s worth quitting your job to pursue your passion  Outsourcing and how to take the most menial tasks off your plate so you can focus on making more money  Websites, referrals, and other marketing tactics to bring in new business   Auto loans and the “gray area” of interest rates that EVERY listener should be careful of  Unit economics 101 and what all solopreneurs need to do to grow a full-on business  And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  BiggerPockets Forums  Finance Review Guest Onboarding  Scott's Instagram  Mindy's Twitter  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Subscribe to The “On The Market” YouTube Channel  Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets  Check Out Mindy’s 2022 Live Spending Tracker and Budget  Money Moment  How to Outsource Your Way to Multiple Streams of Income  The 3 Main Stages of Scaling Your Small Business  Buying and Growing a Small Business With Little to No Risk  21 Ideas for Part-Time Gigs & Side Hustles    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-391    Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Check out our sponsor page!]]></content:encoded>
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	<itunes:summary><![CDATA[Your small business could be the key to financial independence, early retirement, and more income than your W2 is paying you. But, most small business owners don’t understand the best way to grow their income stream. With a DIY mentality, you could be stuck doing the skilled work, answering the emails, picking up phone calls, bookkeeping, and spinning ten plates at the same time while your business fails to grow. Instead, you must step out of the “solopreneur” role and into the “business owner” mindset that can help you quickly make a six-figure income while working for yourself.  Today’s guest Amy took a big risk, leaving her job to start her physical therapy practice. She’s been slowly building up her income to a stable monthly amount but wants to spend more time on money-making activities in her business and less on administrative work that she could easily hire out. With a few quick calculations, Scott and Mindy devise a scalable way for Amy to start bringing in six figures while outsourcing all the work she doesn’t love.  And even though Amy wants to make more income, she’s not obsessed with hitting FIRE fast. Instead, she wants a slow path to FI, one where she can focus on raising her son, spending time with her family, and helping the patients that need it most. So if you’re stuck in a small business or side hustle that takes too much time while making too little, stick around for some stellar advice from Scott and Mindy!    In This Episode We Cover  The slow path to financial freedom and why you DON’T need to race to retire early  Small businesses, side hustles, and when it’s worth quitting your job to pursue your passion  Outsourcing and how to take the most menial tasks off your plate so you can focus on making more money  Websites, referrals, and other marketing tactics to bring in new business   Auto loans and the “gray area” of interest rates that EVERY listener should be careful of  Unit economics 101 and what all solopreneurs need to do to grow a full-on business  And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  BiggerPockets Forums  Finance Review Guest Onboarding  Scott's Instagram  Mindy's Twitter  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Subscribe to The “On The Market” YouTube Channel  Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets  Check Out Mindy’s 2022 Live Spending Tracker and Budget  Money Moment  How to Outsource Your Way to Multiple Streams of Income  The 3 Main Stages of Scaling Your Small Business  Buying and Growing a Small Business With Little to No Risk  21 Ideas for Part-Time Gigs & Side Hustles    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-391    Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Check out our sponsor page!]]></itunes:summary>
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	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[Your small business could be the key to financial independence, early retirement, and more income than your W2 is paying you. But, most small business owners don’t understand the best way to grow their income stream. With a DIY mentality, you could be stuck doing the skilled work, answering the emails, picking up phone calls, bookkeeping, and spinning ten plates at the same time while your business fails to grow. Instead, you must step out of the “solopreneur” role and into the “business owner” mindset that can help you quickly make a six-figure income while working for yourself.  Today’s guest Amy took a big risk, leaving her job to start her physical therapy practice. She’s been slowly building up her income to a stable monthly amount but wants to spend more time on money-making activities in her business and less on administrative work that she could easily hire out. With a few quick calculations, Scott and Mindy devise a scalable way for Amy to start bringing in six figures while ]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
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<item>
	<title>390: Why Your Whole Life Insurance (Probably) Won’t Ever Profit</title>
	<link>https://biggerpocketsmoney.com/podcast/390-why-your-whole-life-insurance-probably-wont-ever-profit/</link>
	<pubDate>Mon, 06 Mar 2023 07:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">0b2b21d6-ae43-11ed-b92f-fbb50c0eda20</guid>
	<description><![CDATA[Is whole life insurance a scam or a worthwhile investment? You may have heard us talk about whole life insurance before, but we’d bet we’re not the only ones mentioning it to you. Your financial advisor, business partner, parents, or fellow investors could have also let you in on the “amazing benefits” that only whole life insurance can provide. But how much of this is fact, and how much is fiction? And, if whole life insurance is such a bulletproof investment, why not buy a policy right now instead of investing for retirement?  We brought on Dr. Jim Dahle, better known as, The White Coat Investor, to explain the truth behind the whole life insurance system and whether or not it really is a scam. Jim started his financial education during his medical school residency after realizing that almost every financial professional was trying to take advantage of him. Whether it was a real estate agent, financial advisor, or accountant, Jim felt like he couldn’t hold his own when in casual conversation with them. So, he beefed up his knowledge of investing and finance and started The White Coat Investor to help doctors, just like him, make sense of their cents.  Early in his investing career, Jim spent over seven years paying into a high-priced whole life insurance policy, only to realize that he made a negative return. Now, he’s here to educate EVERY investor on what whole life insurance really is, who truly needs it, and the MASSIVE commissions salespeople make when selling you a policy. If you have whole life insurance, you NEED to hear this. And if you don’t, you’ll now understand why it’s pushed so hard on everyday Americans.    In This Episode We Cover  Whole life insurance explained, and the real benefit of having a policy  Term life insurance vs. whole life insurance and which is better bang for your buck  Sales commission schemes and why whole life insurance policies are so expensive  The situations when a whole life insurance policy makes sense (and when it DOES NOT)  The “infinite banking” illusion and why this capital-raising tactic isn’t as clever as it seems  Rebuttals to make next time your financial advisor pushes a policy on you  Fee-based vs. fee-only financial advisors and which have your best interest at heart  And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  BiggerPockets Forums  Finance Review Guest Onboarding  Scott's Instagram  Mindy's Twitter  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Subscribe to The “On The Market” YouTube Channel  Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets  Check Out Mindy’s 2022 Live Spending Tracker and Budget  Money Moment  How to Find the Best Possible Certified Financial Planner (CFP) for Your Needs with Kyle Mast  Everything You Never Wanted to Know About Life Insurance (But Absolutely Need To)  Why All Real Estate Investors Should Have Solid Life Insurance Coverage    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-390  ﻿  Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Check out our sponsor page!]]></description>
	<itunes:subtitle><![CDATA[Is whole life insurance a scam or a worthwhile investment? You may have heard us talk about whole life insurance before, but we’d bet we’re not the only ones mentioning it to you. Your financial advisor, business partner, parents, or fellow investors cou]]></itunes:subtitle>
	<content:encoded><![CDATA[Is whole life insurance a scam or a worthwhile investment? You may have heard us talk about whole life insurance before, but we’d bet we’re not the only ones mentioning it to you. Your financial advisor, business partner, parents, or fellow investors could have also let you in on the “amazing benefits” that only whole life insurance can provide. But how much of this is fact, and how much is fiction? And, if whole life insurance is such a bulletproof investment, why not buy a policy right now instead of investing for retirement?  We brought on Dr. Jim Dahle, better known as, The White Coat Investor, to explain the truth behind the whole life insurance system and whether or not it really is a scam. Jim started his financial education during his medical school residency after realizing that almost every financial professional was trying to take advantage of him. Whether it was a real estate agent, financial advisor, or accountant, Jim felt like he couldn’t hold his own when in casual conversation with them. So, he beefed up his knowledge of investing and finance and started The White Coat Investor to help doctors, just like him, make sense of their cents.  Early in his investing career, Jim spent over seven years paying into a high-priced whole life insurance policy, only to realize that he made a negative return. Now, he’s here to educate EVERY investor on what whole life insurance really is, who truly needs it, and the MASSIVE commissions salespeople make when selling you a policy. If you have whole life insurance, you NEED to hear this. And if you don’t, you’ll now understand why it’s pushed so hard on everyday Americans.    In This Episode We Cover  Whole life insurance explained, and the real benefit of having a policy  Term life insurance vs. whole life insurance and which is better bang for your buck  Sales commission schemes and why whole life insurance policies are so expensive  The situations when a whole life insurance policy makes sense (and when it DOES NOT)  The “infinite banking” illusion and why this capital-raising tactic isn’t as clever as it seems  Rebuttals to make next time your financial advisor pushes a policy on you  Fee-based vs. fee-only financial advisors and which have your best interest at heart  And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  BiggerPockets Forums  Finance Review Guest Onboarding  Scott's Instagram  Mindy's Twitter  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Subscribe to The “On The Market” YouTube Channel  Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets  Check Out Mindy’s 2022 Live Spending Tracker and Budget  Money Moment  How to Find the Best Possible Certified Financial Planner (CFP) for Your Needs with Kyle Mast  Everything You Never Wanted to Know About Life Insurance (But Absolutely Need To)  Why All Real Estate Investors Should Have Solid Life Insurance Coverage    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-390  ﻿  Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Check out our sponsor page!]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC5046108192.mp3" length="98056083" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[Is whole life insurance a scam or a worthwhile investment? You may have heard us talk about whole life insurance before, but we’d bet we’re not the only ones mentioning it to you. Your financial advisor, business partner, parents, or fellow investors could have also let you in on the “amazing benefits” that only whole life insurance can provide. But how much of this is fact, and how much is fiction? And, if whole life insurance is such a bulletproof investment, why not buy a policy right now instead of investing for retirement?  We brought on Dr. Jim Dahle, better known as, The White Coat Investor, to explain the truth behind the whole life insurance system and whether or not it really is a scam. Jim started his financial education during his medical school residency after realizing that almost every financial professional was trying to take advantage of him. Whether it was a real estate agent, financial advisor, or accountant, Jim felt like he couldn’t hold his own when in casual conversation with them. So, he beefed up his knowledge of investing and finance and started The White Coat Investor to help doctors, just like him, make sense of their cents.  Early in his investing career, Jim spent over seven years paying into a high-priced whole life insurance policy, only to realize that he made a negative return. Now, he’s here to educate EVERY investor on what whole life insurance really is, who truly needs it, and the MASSIVE commissions salespeople make when selling you a policy. If you have whole life insurance, you NEED to hear this. And if you don’t, you’ll now understand why it’s pushed so hard on everyday Americans.    In This Episode We Cover  Whole life insurance explained, and the real benefit of having a policy  Term life insurance vs. whole life insurance and which is better bang for your buck  Sales commission schemes and why whole life insurance policies are so expensive  The situations when a whole life insurance policy makes sense (and when it DOES NOT)  The “infinite banking” illusion and why this capital-raising tactic isn’t as clever as it seems  Rebuttals to make next time your financial advisor pushes a policy on you  Fee-based vs. fee-only financial advisors and which have your best interest at heart  And So Much More!    Links from the Show  BiggerPockets Money Facebook Group  BiggerPockets Forums  Finance Review Guest Onboarding  Scott's Instagram  Mindy's Twitter  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Subscribe to The “On The Market” YouTube Channel  Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets  Check Out Mindy’s 2022 Live Spending Tracker and Budget  Money Moment  How to Find the Best Possible Certified Financial Planner (CFP) for Your Needs with Kyle Mast  Everything You Never Wanted to Know About Life Insurance (But Absolutely Need To)  Why All Real Estate Investors Should Have Solid Life Insurance Coverage    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-390  ﻿  Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Check out our sponsor page!]]></itunes:summary>
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	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[Is whole life insurance a scam or a worthwhile investment? You may have heard us talk about whole life insurance before, but we’d bet we’re not the only ones mentioning it to you. Your financial advisor, business partner, parents, or fellow investors could have also let you in on the “amazing benefits” that only whole life insurance can provide. But how much of this is fact, and how much is fiction? And, if whole life insurance is such a bulletproof investment, why not buy a policy right now instead of investing for retirement?  We brought on Dr. Jim Dahle, better known as, The White Coat Investor, to explain the truth behind the whole life insurance system and whether or not it really is a scam. Jim started his financial education during his medical school residency after realizing that almost every financial professional was trying to take advantage of him. Whether it was a real estate agent, financial advisor, or accountant, Jim felt like he couldn’t hold his own when in casual con]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
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<item>
	<title>389: Finance Friday: How to DOUBLE Your Net Worth in 1 Year (or Less!)</title>
	<link>https://biggerpocketsmoney.com/podcast/389-finance-friday-how-to-double-your-net-worth-in-1-year-or-less/</link>
	<pubDate>Fri, 03 Mar 2023 07:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">0b198fac-ae43-11ed-b92f-43fc2ef1f78f</guid>
	<description><![CDATA[Doubling your net worth in only a year? Seems impossible, right? Is making such massive money moves during a down market even realistic? If you think it can’t be done, tune in, and you’ll hear exactly how repeat guest Yourri Dessureault did it. Yourri’s name may sound familiar; we talked to him back on BiggerPockets Money episode 236, where he spoke [&#8230;]]]></description>
	<itunes:subtitle><![CDATA[Doubling your net worth in only a year? Seems impossible, right? Is making such massive money moves during a down market even realistic? If you think it can’t be done, tune in, and you’ll hear exactly how repeat guest Yourri Dessureault did it. Yourri’s ]]></itunes:subtitle>
	<content:encoded><![CDATA[Doubling your net worth in only a year? Seems impossible, right? Is making such massive money moves during a down market even realistic? If you think it can’t be done, tune in, and you’ll hear exactly how repeat guest Yourri Dessureault did it. Yourri’s name may sound familiar; we talked to him back on BiggerPockets Money episode 236, where he spoke [&#8230;]]]></content:encoded>
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	<itunes:summary><![CDATA[Doubling your net worth in only a year? Seems impossible, right? Is making such massive money moves during a down market even realistic? If you think it can’t be done, tune in, and you’ll hear exactly how repeat guest Yourri Dessureault did it. Yourri’s name may sound familiar; we talked to him back on BiggerPockets Money episode 236, where he spoke [&#8230;]]]></itunes:summary>
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	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[Doubling your net worth in only a year? Seems impossible, right? Is making such massive money moves during a down market even realistic? If you think it can’t be done, tune in, and you’ll hear exactly how repeat guest Yourri Dessureault did it. Yourri’s name may sound familiar; we talked to him back on BiggerPockets Money episode 236, where he spoke [&#8230;]]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
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<item>
	<title>388: Twitter’s “Warning Shot” and What to Look for When Investing in Tech</title>
	<link>https://biggerpocketsmoney.com/podcast/388-twitters-warning-shot-and-what-to-look-for-when-investing-in-tech/</link>
	<pubDate>Mon, 27 Feb 2023 07:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">b2d53014-b651-11ed-8a4e-d7964e1b9059</guid>
	<description><![CDATA[Twitter’s massive layoffs affected the tech industry more than people think. For years, tech stocks ran with enormous valuations, with over-inflated workforces of employees getting paid six-figure salaries with even more impressive bonus packages. This wasn’t sustainable by any means, and as a new type of CEO steps in, tech companies are looking to get leaner, more operationally efficient, and return to their startup-like roots. But how does this reforming tech market affect the US economy?  We brought on Aman Verjee, founder of Practical Venture Capital, to explain what’s happening in Silicon Valley and what it means for your finances. Aman has worked in the tech sector for almost as long as it’s been relevant. FromPayPal to eBay, Sonos, and more, Aman has been on the ground floor of some of the most promising tech companies, helping them operate with leaner teams while bringing in bigger revenues. And as an industry expert, Aman isn’t surprised or disappointed by the recent tech layoffs.  He touches on why these layoffs aren’t what most people think, how they could affect the overall economy, what CEOs need to know to survive this market, and what everyday investors should look at BEFORE buying tech stocks. Aman’s practical advice is CRUCIAL for anyone investing. And as the stock market becomes more and more tech-centered, knowing some of this information could help you make FAR more lucrative decisions on which companies you’re rooting for.    In This Episode We Cover  Tech layoffs in 2023 and why the number of employees being cut isn’t what it seems  Twitter’s “warning shot” that sent other CEOs into an efficiency-first mode  Work-from-home culture and whether or not a return to the office is happening  What to look for in a tech company that’s about to IPO and telltale signs of solid growth  Investing in public markets and why Warren Buffet’s super simple advice still applies  What business owners should know when trying to grow and scale their small businesses  And So Much More!  Links from the Show  BiggerPockets Money Facebook Group  BiggerPockets Forums  Finance Review Guest Onboarding  Scott's Instagram  Mindy's Twitter  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Subscribe to The “On The Market” YouTube Channel  Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets  Check Out Mindy’s 2022 Live Spending Tracker and Budget  Money Moment  Annual Event 2022 - Peter Zeihan Presentation  Silicon Valley Investors Club  Finance Friday: First Down Market? Here’s How to Stop Stressing  Surviving a Layoff: What HR Wants You to Know?    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-388    Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Check out our sponsor page!]]></description>
	<itunes:subtitle><![CDATA[Twitter’s massive layoffs affected the tech industry more than people think. For years, tech stocks ran with enormous valuations, with over-inflated workforces of employees getting paid six-figure salaries with even more impressive bonus packages. This w]]></itunes:subtitle>
	<content:encoded><![CDATA[Twitter’s massive layoffs affected the tech industry more than people think. For years, tech stocks ran with enormous valuations, with over-inflated workforces of employees getting paid six-figure salaries with even more impressive bonus packages. This wasn’t sustainable by any means, and as a new type of CEO steps in, tech companies are looking to get leaner, more operationally efficient, and return to their startup-like roots. But how does this reforming tech market affect the US economy?  We brought on Aman Verjee, founder of Practical Venture Capital, to explain what’s happening in Silicon Valley and what it means for your finances. Aman has worked in the tech sector for almost as long as it’s been relevant. FromPayPal to eBay, Sonos, and more, Aman has been on the ground floor of some of the most promising tech companies, helping them operate with leaner teams while bringing in bigger revenues. And as an industry expert, Aman isn’t surprised or disappointed by the recent tech layoffs.  He touches on why these layoffs aren’t what most people think, how they could affect the overall economy, what CEOs need to know to survive this market, and what everyday investors should look at BEFORE buying tech stocks. Aman’s practical advice is CRUCIAL for anyone investing. And as the stock market becomes more and more tech-centered, knowing some of this information could help you make FAR more lucrative decisions on which companies you’re rooting for.    In This Episode We Cover  Tech layoffs in 2023 and why the number of employees being cut isn’t what it seems  Twitter’s “warning shot” that sent other CEOs into an efficiency-first mode  Work-from-home culture and whether or not a return to the office is happening  What to look for in a tech company that’s about to IPO and telltale signs of solid growth  Investing in public markets and why Warren Buffet’s super simple advice still applies  What business owners should know when trying to grow and scale their small businesses  And So Much More!  Links from the Show  BiggerPockets Money Facebook Group  BiggerPockets Forums  Finance Review Guest Onboarding  Scott's Instagram  Mindy's Twitter  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Subscribe to The “On The Market” YouTube Channel  Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets  Check Out Mindy’s 2022 Live Spending Tracker and Budget  Money Moment  Annual Event 2022 - Peter Zeihan Presentation  Silicon Valley Investors Club  Finance Friday: First Down Market? Here’s How to Stop Stressing  Surviving a Layoff: What HR Wants You to Know?    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-388    Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Check out our sponsor page!]]></content:encoded>
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	<itunes:summary><![CDATA[Twitter’s massive layoffs affected the tech industry more than people think. For years, tech stocks ran with enormous valuations, with over-inflated workforces of employees getting paid six-figure salaries with even more impressive bonus packages. This wasn’t sustainable by any means, and as a new type of CEO steps in, tech companies are looking to get leaner, more operationally efficient, and return to their startup-like roots. But how does this reforming tech market affect the US economy?  We brought on Aman Verjee, founder of Practical Venture Capital, to explain what’s happening in Silicon Valley and what it means for your finances. Aman has worked in the tech sector for almost as long as it’s been relevant. FromPayPal to eBay, Sonos, and more, Aman has been on the ground floor of some of the most promising tech companies, helping them operate with leaner teams while bringing in bigger revenues. And as an industry expert, Aman isn’t surprised or disappointed by the recent tech layoffs.  He touches on why these layoffs aren’t what most people think, how they could affect the overall economy, what CEOs need to know to survive this market, and what everyday investors should look at BEFORE buying tech stocks. Aman’s practical advice is CRUCIAL for anyone investing. And as the stock market becomes more and more tech-centered, knowing some of this information could help you make FAR more lucrative decisions on which companies you’re rooting for.    In This Episode We Cover  Tech layoffs in 2023 and why the number of employees being cut isn’t what it seems  Twitter’s “warning shot” that sent other CEOs into an efficiency-first mode  Work-from-home culture and whether or not a return to the office is happening  What to look for in a tech company that’s about to IPO and telltale signs of solid growth  Investing in public markets and why Warren Buffet’s super simple advice still applies  What business owners should know when trying to grow and scale their small businesses  And So Much More!  Links from the Show  BiggerPockets Money Facebook Group  BiggerPockets Forums  Finance Review Guest Onboarding  Scott's Instagram  Mindy's Twitter  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Subscribe to The “On The Market” YouTube Channel  Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets  Check Out Mindy’s 2022 Live Spending Tracker and Budget  Money Moment  Annual Event 2022 - Peter Zeihan Presentation  Silicon Valley Investors Club  Finance Friday: First Down Market? Here’s How to Stop Stressing  Surviving a Layoff: What HR Wants You to Know?    Click here to check the full show notes: https://www.biggerpockets.com/blog/money-388    Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Check out our sponsor page!]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[Twitter’s massive layoffs affected the tech industry more than people think. For years, tech stocks ran with enormous valuations, with over-inflated workforces of employees getting paid six-figure salaries with even more impressive bonus packages. This wasn’t sustainable by any means, and as a new type of CEO steps in, tech companies are looking to get leaner, more operationally efficient, and return to their startup-like roots. But how does this reforming tech market affect the US economy?  We brought on Aman Verjee, founder of Practical Venture Capital, to explain what’s happening in Silicon Valley and what it means for your finances. Aman has worked in the tech sector for almost as long as it’s been relevant. FromPayPal to eBay, Sonos, and more, Aman has been on the ground floor of some of the most promising tech companies, helping them operate with leaner teams while bringing in bigger revenues. And as an industry expert, Aman isn’t surprised or disappointed by the recent tech lay]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>387: Finance Friday: Is Staying At Your Job Costing You More Than You Think?</title>
	<link>https://biggerpocketsmoney.com/podcast/387-finance-friday-is-staying-at-your-job-costing-you-more-than-you-think/</link>
	<pubDate>Fri, 24 Feb 2023 07:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">0af6c21a-ae43-11ed-b92f-fb6afd0ee784</guid>
	<description><![CDATA[Most people assume that buying rental properties is only for those making six-figure salaries. How can the average American afford the sizeable down payment and high interest rates of today’s housing market? Let us introduce you to Tiffany, a twenty-three-year-old from Colorado who’s using her $41,000 salary to build wealth at an early age. Tiffany is doing this all while bringing in just a few thousand dollars a month without a four-year degree. She’s ready to buy her second property this year but wants to speed up her timeline.  With a smaller salary, Tiffany has had to be smart with her expenses. She’s already house hacking, allowing her to wipe out a significant portion of her mortgage. She also has side hustles and keeps her costs low to save as much as she can every month. But, with years of experience in her social media management job, she could be leaving money on the table by not job hopping to greener pastures with bigger paychecks. This could make a HUGE difference on her bottom line every month.  Tiffany is also debating whether a college degree is worth it as she looks to bring home a business degree. With “YouTube University” and numerous free and low-cost education platforms online, Tiffany doesn’t know whether a college degree is what it once was and wants to be sure the investment she’s making will pay dividends, not just present her with a glorified piece of paper. So, if you’re starting your investing journey or want to invest on a lower income, this is the episode for you!    In This Episode We Cover  House hacking explained and how you can live mortgage-free by renting out extra rooms  Raises, boosting your income, and when to leave your job for a higher-paying employer  The 203(k) loan and using it to “live in BRRRR” your way to a significant real estate portfolio  The ROI of college and whether or not a degree is even worth the effort in 2023  401(k) matching and how having an employer with benefits can be a BIG boost to your wealth  Starting your side hustle and turning your skills into income by sacrificing a few hours a week  And So Much More!  Links from the Show  BiggerPockets Money Facebook Group  BiggerPockets Forums  Finance Review Guest Onboarding  Scott's Instagram  Mindy's Twitter  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Subscribe to The “On The Market” YouTube Channel  Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets  Check Out Mindy’s 2022 Live Spending Tracker and Budget  Money Moment  House Hacking 101: What It Is and How to Get Started  Is College Worth the Cost? This 30,000 Variable Study Says “Sometimes…”:      Click here to check the full show notes: https://www.biggerpockets.com/blog/money-387    Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Check out our sponsor page!]]></description>
	<itunes:subtitle><![CDATA[Most people assume that buying rental properties is only for those making six-figure salaries. How can the average American afford the sizeable down payment and high interest rates of today’s housing market? Let us introduce you to Tiffany, a twenty-thre]]></itunes:subtitle>
	<content:encoded><![CDATA[Most people assume that buying rental properties is only for those making six-figure salaries. How can the average American afford the sizeable down payment and high interest rates of today’s housing market? Let us introduce you to Tiffany, a twenty-three-year-old from Colorado who’s using her $41,000 salary to build wealth at an early age. Tiffany is doing this all while bringing in just a few thousand dollars a month without a four-year degree. She’s ready to buy her second property this year but wants to speed up her timeline.  With a smaller salary, Tiffany has had to be smart with her expenses. She’s already house hacking, allowing her to wipe out a significant portion of her mortgage. She also has side hustles and keeps her costs low to save as much as she can every month. But, with years of experience in her social media management job, she could be leaving money on the table by not job hopping to greener pastures with bigger paychecks. This could make a HUGE difference on her bottom line every month.  Tiffany is also debating whether a college degree is worth it as she looks to bring home a business degree. With “YouTube University” and numerous free and low-cost education platforms online, Tiffany doesn’t know whether a college degree is what it once was and wants to be sure the investment she’s making will pay dividends, not just present her with a glorified piece of paper. So, if you’re starting your investing journey or want to invest on a lower income, this is the episode for you!    In This Episode We Cover  House hacking explained and how you can live mortgage-free by renting out extra rooms  Raises, boosting your income, and when to leave your job for a higher-paying employer  The 203(k) loan and using it to “live in BRRRR” your way to a significant real estate portfolio  The ROI of college and whether or not a degree is even worth the effort in 2023  401(k) matching and how having an employer with benefits can be a BIG boost to your wealth  Starting your side hustle and turning your skills into income by sacrificing a few hours a week  And So Much More!  Links from the Show  BiggerPockets Money Facebook Group  BiggerPockets Forums  Finance Review Guest Onboarding  Scott's Instagram  Mindy's Twitter  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Subscribe to The “On The Market” YouTube Channel  Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets  Check Out Mindy’s 2022 Live Spending Tracker and Budget  Money Moment  House Hacking 101: What It Is and How to Get Started  Is College Worth the Cost? This 30,000 Variable Study Says “Sometimes…”:      Click here to check the full show notes: https://www.biggerpockets.com/blog/money-387    Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Check out our sponsor page!]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC2165896425.mp3" length="67271226" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[Most people assume that buying rental properties is only for those making six-figure salaries. How can the average American afford the sizeable down payment and high interest rates of today’s housing market? Let us introduce you to Tiffany, a twenty-three-year-old from Colorado who’s using her $41,000 salary to build wealth at an early age. Tiffany is doing this all while bringing in just a few thousand dollars a month without a four-year degree. She’s ready to buy her second property this year but wants to speed up her timeline.  With a smaller salary, Tiffany has had to be smart with her expenses. She’s already house hacking, allowing her to wipe out a significant portion of her mortgage. She also has side hustles and keeps her costs low to save as much as she can every month. But, with years of experience in her social media management job, she could be leaving money on the table by not job hopping to greener pastures with bigger paychecks. This could make a HUGE difference on her bottom line every month.  Tiffany is also debating whether a college degree is worth it as she looks to bring home a business degree. With “YouTube University” and numerous free and low-cost education platforms online, Tiffany doesn’t know whether a college degree is what it once was and wants to be sure the investment she’s making will pay dividends, not just present her with a glorified piece of paper. So, if you’re starting your investing journey or want to invest on a lower income, this is the episode for you!    In This Episode We Cover  House hacking explained and how you can live mortgage-free by renting out extra rooms  Raises, boosting your income, and when to leave your job for a higher-paying employer  The 203(k) loan and using it to “live in BRRRR” your way to a significant real estate portfolio  The ROI of college and whether or not a degree is even worth the effort in 2023  401(k) matching and how having an employer with benefits can be a BIG boost to your wealth  Starting your side hustle and turning your skills into income by sacrificing a few hours a week  And So Much More!  Links from the Show  BiggerPockets Money Facebook Group  BiggerPockets Forums  Finance Review Guest Onboarding  Scott's Instagram  Mindy's Twitter  Listen to All Your Favorite BiggerPockets Podcasts in One Place  Apply to Be a Guest on The Money Show  Podcast Talent Search!  Subscribe to The “On The Market” YouTube Channel  Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets  Check Out Mindy’s 2022 Live Spending Tracker and Budget  Money Moment  House Hacking 101: What It Is and How to Get Started  Is College Worth the Cost? This 30,000 Variable Study Says “Sometimes…”:      Click here to check the full show notes: https://www.biggerpockets.com/blog/money-387    Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Check out our sponsor page!]]></itunes:summary>
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	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[Most people assume that buying rental properties is only for those making six-figure salaries. How can the average American afford the sizeable down payment and high interest rates of today’s housing market? Let us introduce you to Tiffany, a twenty-three-year-old from Colorado who’s using her $41,000 salary to build wealth at an early age. Tiffany is doing this all while bringing in just a few thousand dollars a month without a four-year degree. She’s ready to buy her second property this year but wants to speed up her timeline.  With a smaller salary, Tiffany has had to be smart with her expenses. She’s already house hacking, allowing her to wipe out a significant portion of her mortgage. She also has side hustles and keeps her costs low to save as much as she can every month. But, with years of experience in her social media management job, she could be leaving money on the table by not job hopping to greener pastures with bigger paychecks. This could make a HUGE difference on her ]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>386: How to Build Wealth While Working for Tips</title>
	<link>https://biggerpocketsmoney.com/podcast/386-how-to-build-wealth-while-working-for-tips/</link>
	<pubDate>Mon, 20 Feb 2023 07:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">gid://art19-episode-locator/V0/INZhgMOoBF8BaJMJMhNW3dBtrtGeOCHkd80ah88CrNk</guid>
	<description><![CDATA[Look up any “how to retire early” guide online, and you’ll see some basic information: invest in your 401(k), take advantage of your employer match, buy real estate, and invest the rest in index funds. While this type of advice is by no means wrong, it’s geared almost entirely toward W2 workers with consistent income and a full stack of benefits. Those waiting tables, bartending, or doing any other service industry work don’t fall into the “predictable income” category, so they often get left behind when spreading the word about building wealth.We wanted to fill the informational gap and give service industry workers EVERYTHING they need to know to turn tips into early retirement. The perfect person to teach us all about it? Barbara Sloan! She’s the author of Tipped: The life changing guide to financial freedom for waitresses, bartenders, strippers, and all other service industry professionals. In it, she teaches those working for tips how to turn their inconsistent (and frequently non-taxed) income into a portfoliothat will make them set for life.Barbara walks through her money story, from getting deep into debt, moving to New York City with just $700, working at bars and Wall Street, and how she turned a fluctuating income into financial independence. She gives actionable advice on how ANY service industry worker can start saving, set up an emergency fund, and build wealth, even if they’re not making a high income. She also explains why tip work like bartending and serving makes the ultimate retirement plan for those that have already hit FI!In This Episode We CoverHow to reach financial independence even when working for tips or on a low incomeWhy reporting income for taxes is a MASSIVE benefit when building wealthBuilding “buffers” and how to set yourself up for time off (even if you’re not getting paid for it)Health insurance, retirement accounts, and how service-industry workers can get on par with W2 worker benefitsBuilding a budget and why tracking your expenses is CRUCIAL on a fluctuating incomeThe busiest times for tipping work and how to make the MOST money during every off-seasonAnd So Much More!Links from the ShowBiggerPockets Money Facebook GroupBiggerPockets ForumsFinance Review Guest OnboardingScott's InstagramMindy's TwitterListen to All Your Favorite BiggerPockets Podcasts in One PlaceApply to Be a Guest on The Money ShowPodcast Talent Search!Subscribe to The “On The Market” YouTube ChannelListen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPocketsCheck Out Mindy’s 2022 Live Spending Tracker and BudgetShare your Money MomentHow to Become an “Overnight” Success in 10 Short Years with David GreeneFinance Friday: How to Get to Early Retirement Even FasterTipped Finance WebsiteClick here to check the full show notes: https://www.biggerpockets.com/blog/money-386Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Check out our sponsor page!]]></description>
	<itunes:subtitle><![CDATA[Look up any “how to retire early” guide online, and you’ll see some basic information: invest in your 401(k), take advantage of your employer match, buy real estate, and invest the rest in index funds. While this type of advice is by no means wrong, it’s]]></itunes:subtitle>
	<content:encoded><![CDATA[Look up any “how to retire early” guide online, and you’ll see some basic information: invest in your 401(k), take advantage of your employer match, buy real estate, and invest the rest in index funds. While this type of advice is by no means wrong, it’s geared almost entirely toward W2 workers with consistent income and a full stack of benefits. Those waiting tables, bartending, or doing any other service industry work don’t fall into the “predictable income” category, so they often get left behind when spreading the word about building wealth.We wanted to fill the informational gap and give service industry workers EVERYTHING they need to know to turn tips into early retirement. The perfect person to teach us all about it? Barbara Sloan! She’s the author of Tipped: The life changing guide to financial freedom for waitresses, bartenders, strippers, and all other service industry professionals. In it, she teaches those working for tips how to turn their inconsistent (and frequently non-taxed) income into a portfoliothat will make them set for life.Barbara walks through her money story, from getting deep into debt, moving to New York City with just $700, working at bars and Wall Street, and how she turned a fluctuating income into financial independence. She gives actionable advice on how ANY service industry worker can start saving, set up an emergency fund, and build wealth, even if they’re not making a high income. She also explains why tip work like bartending and serving makes the ultimate retirement plan for those that have already hit FI!In This Episode We CoverHow to reach financial independence even when working for tips or on a low incomeWhy reporting income for taxes is a MASSIVE benefit when building wealthBuilding “buffers” and how to set yourself up for time off (even if you’re not getting paid for it)Health insurance, retirement accounts, and how service-industry workers can get on par with W2 worker benefitsBuilding a budget and why tracking your expenses is CRUCIAL on a fluctuating incomeThe busiest times for tipping work and how to make the MOST money during every off-seasonAnd So Much More!Links from the ShowBiggerPockets Money Facebook GroupBiggerPockets ForumsFinance Review Guest OnboardingScott's InstagramMindy's TwitterListen to All Your Favorite BiggerPockets Podcasts in One PlaceApply to Be a Guest on The Money ShowPodcast Talent Search!Subscribe to The “On The Market” YouTube ChannelListen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPocketsCheck Out Mindy’s 2022 Live Spending Tracker and BudgetShare your Money MomentHow to Become an “Overnight” Success in 10 Short Years with David GreeneFinance Friday: How to Get to Early Retirement Even FasterTipped Finance WebsiteClick here to check the full show notes: https://www.biggerpockets.com/blog/money-386Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Check out our sponsor page!]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC6755917674.mp3" length="64805679" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[Look up any “how to retire early” guide online, and you’ll see some basic information: invest in your 401(k), take advantage of your employer match, buy real estate, and invest the rest in index funds. While this type of advice is by no means wrong, it’s geared almost entirely toward W2 workers with consistent income and a full stack of benefits. Those waiting tables, bartending, or doing any other service industry work don’t fall into the “predictable income” category, so they often get left behind when spreading the word about building wealth.We wanted to fill the informational gap and give service industry workers EVERYTHING they need to know to turn tips into early retirement. The perfect person to teach us all about it? Barbara Sloan! She’s the author of Tipped: The life changing guide to financial freedom for waitresses, bartenders, strippers, and all other service industry professionals. In it, she teaches those working for tips how to turn their inconsistent (and frequently non-taxed) income into a portfoliothat will make them set for life.Barbara walks through her money story, from getting deep into debt, moving to New York City with just $700, working at bars and Wall Street, and how she turned a fluctuating income into financial independence. She gives actionable advice on how ANY service industry worker can start saving, set up an emergency fund, and build wealth, even if they’re not making a high income. She also explains why tip work like bartending and serving makes the ultimate retirement plan for those that have already hit FI!In This Episode We CoverHow to reach financial independence even when working for tips or on a low incomeWhy reporting income for taxes is a MASSIVE benefit when building wealthBuilding “buffers” and how to set yourself up for time off (even if you’re not getting paid for it)Health insurance, retirement accounts, and how service-industry workers can get on par with W2 worker benefitsBuilding a budget and why tracking your expenses is CRUCIAL on a fluctuating incomeThe busiest times for tipping work and how to make the MOST money during every off-seasonAnd So Much More!Links from the ShowBiggerPockets Money Facebook GroupBiggerPockets ForumsFinance Review Guest OnboardingScott's InstagramMindy's TwitterListen to All Your Favorite BiggerPockets Podcasts in One PlaceApply to Be a Guest on The Money ShowPodcast Talent Search!Subscribe to The “On The Market” YouTube ChannelListen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPocketsCheck Out Mindy’s 2022 Live Spending Tracker and BudgetShare your Money MomentHow to Become an “Overnight” Success in 10 Short Years with David GreeneFinance Friday: How to Get to Early Retirement Even FasterTipped Finance WebsiteClick here to check the full show notes: https://www.biggerpockets.com/blog/money-386Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Check out our sponsor page!]]></itunes:summary>
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	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[Look up any “how to retire early” guide online, and you’ll see some basic information: invest in your 401(k), take advantage of your employer match, buy real estate, and invest the rest in index funds. While this type of advice is by no means wrong, it’s geared almost entirely toward W2 workers with consistent income and a full stack of benefits. Those waiting tables, bartending, or doing any other service industry work don’t fall into the “predictable income” category, so they often get left behind when spreading the word about building wealth.We wanted to fill the informational gap and give service industry workers EVERYTHING they need to know to turn tips into early retirement. The perfect person to teach us all about it? Barbara Sloan! She’s the author of Tipped: The life changing guide to financial freedom for waitresses, bartenders, strippers, and all other service industry professionals. In it, she teaches those working for tips how to turn their inconsistent (and frequently no]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
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<item>
	<title>385: How to Use Equity in Your Home to Reach Financial Freedom Faster</title>
	<link>https://biggerpocketsmoney.com/podcast/385-how-to-use-equity-in-your-home-to-reach-financial-freedom-faster/</link>
	<pubDate>Fri, 17 Feb 2023 07:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
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	<description><![CDATA[Your home equity could be the secret sauce to earlier retirement. With so many homeowners and rental property investors across the nation sitting on hundreds of thousands in home equity, one asks, “what if you used this trapped equity to build wealth?” And although most homeowners won’t want to sell their primary residences, refinance into higher mortgage rates, or risk taking out a high-priced HELOC, rental property owners are in the perfect position to use their massive equity positions to upgrade to bigger, better investments. We brought on Chris Lopez, Denver-based investor and agent, to explain.Chris has been able to build a sizable real estate portfolio quite quickly, but even he admits to starting a little later. After working most of his career as an internet marketer turned day trader, Chris gave it all up to go head-first into real estate as an investor-friendly agent and investor. And, as a Denver investor, he’s seen homes he bought just a few years ago EXPLODE in value, and many other investors feel the same. So, if you’re in Austin, Boise, Raleigh, Phoenix, or any other real estate boom markets, it can seem as if you’re sitting on a pile of wealth that can’t be touched. But you’d be wrong.In this episode, Chris walks through how homeowners and real estate investors can unlock the “trapped” equity in their homes. He goes through when to buy, sell, or refi and how to use the BiggerPockets Rental Property Calculatorto decide the best move. Chris knows that not every property is worth selling/upgrading, but if you trade a few lackluster properties for cash-flowing ones, you could reach your retirement goals YEARS faster, with more money coming in and less stress. So, want to unlock your home’s equity and speed up your path to early retirement? Stick around!In This Episode We CoverHome equity explained and how to use it to build wealth even faster When to buy, sell, or refinance and how to calculate the best option for youCap rates and using this simple metric to decide whether a rental property is worth keepingHELOCs (home equity lines of credit) and which banks will offer them on rental propertiesChris’ five-step framework to reassess and upgrade your rental portfolioWhen to cash-out refinance and whether or not doing so makes sense with today’s high interest rates And So Much More!Links from the ShowBiggerPockets Money Facebook GroupBiggerPockets ForumsFinance Review Guest OnboardingScott's InstagramMindy's TwitterListen to All Your Favorite BiggerPockets Podcasts in One PlaceApply to Be a Guest on The Money ShowPodcast Talent Search!Subscribe to The “On The Market” YouTube ChannelListen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPocketsCheck Out Mindy’s 2022 Live Spending Tracker and BudgetFinance Friday: Living Paycheck-to-Paycheck with 9 Rental PropertiesChris Lopez ProfileClick here to check the full show notes: https://www.biggerpockets.com/blog/money-385Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Check out our sponsor page!]]></description>
	<itunes:subtitle><![CDATA[Your home equity could be the secret sauce to earlier retirement. With so many homeowners and rental property investors across the nation sitting on hundreds of thousands in home equity, one asks, “what if you used this trapped equity to build wealth?” A]]></itunes:subtitle>
	<content:encoded><![CDATA[Your home equity could be the secret sauce to earlier retirement. With so many homeowners and rental property investors across the nation sitting on hundreds of thousands in home equity, one asks, “what if you used this trapped equity to build wealth?” And although most homeowners won’t want to sell their primary residences, refinance into higher mortgage rates, or risk taking out a high-priced HELOC, rental property owners are in the perfect position to use their massive equity positions to upgrade to bigger, better investments. We brought on Chris Lopez, Denver-based investor and agent, to explain.Chris has been able to build a sizable real estate portfolio quite quickly, but even he admits to starting a little later. After working most of his career as an internet marketer turned day trader, Chris gave it all up to go head-first into real estate as an investor-friendly agent and investor. And, as a Denver investor, he’s seen homes he bought just a few years ago EXPLODE in value, and many other investors feel the same. So, if you’re in Austin, Boise, Raleigh, Phoenix, or any other real estate boom markets, it can seem as if you’re sitting on a pile of wealth that can’t be touched. But you’d be wrong.In this episode, Chris walks through how homeowners and real estate investors can unlock the “trapped” equity in their homes. He goes through when to buy, sell, or refi and how to use the BiggerPockets Rental Property Calculatorto decide the best move. Chris knows that not every property is worth selling/upgrading, but if you trade a few lackluster properties for cash-flowing ones, you could reach your retirement goals YEARS faster, with more money coming in and less stress. So, want to unlock your home’s equity and speed up your path to early retirement? Stick around!In This Episode We CoverHome equity explained and how to use it to build wealth even faster When to buy, sell, or refinance and how to calculate the best option for youCap rates and using this simple metric to decide whether a rental property is worth keepingHELOCs (home equity lines of credit) and which banks will offer them on rental propertiesChris’ five-step framework to reassess and upgrade your rental portfolioWhen to cash-out refinance and whether or not doing so makes sense with today’s high interest rates And So Much More!Links from the ShowBiggerPockets Money Facebook GroupBiggerPockets ForumsFinance Review Guest OnboardingScott's InstagramMindy's TwitterListen to All Your Favorite BiggerPockets Podcasts in One PlaceApply to Be a Guest on The Money ShowPodcast Talent Search!Subscribe to The “On The Market” YouTube ChannelListen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPocketsCheck Out Mindy’s 2022 Live Spending Tracker and BudgetFinance Friday: Living Paycheck-to-Paycheck with 9 Rental PropertiesChris Lopez ProfileClick here to check the full show notes: https://www.biggerpockets.com/blog/money-385Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Check out our sponsor page!]]></content:encoded>
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	<itunes:summary><![CDATA[Your home equity could be the secret sauce to earlier retirement. With so many homeowners and rental property investors across the nation sitting on hundreds of thousands in home equity, one asks, “what if you used this trapped equity to build wealth?” And although most homeowners won’t want to sell their primary residences, refinance into higher mortgage rates, or risk taking out a high-priced HELOC, rental property owners are in the perfect position to use their massive equity positions to upgrade to bigger, better investments. We brought on Chris Lopez, Denver-based investor and agent, to explain.Chris has been able to build a sizable real estate portfolio quite quickly, but even he admits to starting a little later. After working most of his career as an internet marketer turned day trader, Chris gave it all up to go head-first into real estate as an investor-friendly agent and investor. And, as a Denver investor, he’s seen homes he bought just a few years ago EXPLODE in value, and many other investors feel the same. So, if you’re in Austin, Boise, Raleigh, Phoenix, or any other real estate boom markets, it can seem as if you’re sitting on a pile of wealth that can’t be touched. But you’d be wrong.In this episode, Chris walks through how homeowners and real estate investors can unlock the “trapped” equity in their homes. He goes through when to buy, sell, or refi and how to use the BiggerPockets Rental Property Calculatorto decide the best move. Chris knows that not every property is worth selling/upgrading, but if you trade a few lackluster properties for cash-flowing ones, you could reach your retirement goals YEARS faster, with more money coming in and less stress. So, want to unlock your home’s equity and speed up your path to early retirement? Stick around!In This Episode We CoverHome equity explained and how to use it to build wealth even faster When to buy, sell, or refinance and how to calculate the best option for youCap rates and using this simple metric to decide whether a rental property is worth keepingHELOCs (home equity lines of credit) and which banks will offer them on rental propertiesChris’ five-step framework to reassess and upgrade your rental portfolioWhen to cash-out refinance and whether or not doing so makes sense with today’s high interest rates And So Much More!Links from the ShowBiggerPockets Money Facebook GroupBiggerPockets ForumsFinance Review Guest OnboardingScott's InstagramMindy's TwitterListen to All Your Favorite BiggerPockets Podcasts in One PlaceApply to Be a Guest on The Money ShowPodcast Talent Search!Subscribe to The “On The Market” YouTube ChannelListen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPocketsCheck Out Mindy’s 2022 Live Spending Tracker and BudgetFinance Friday: Living Paycheck-to-Paycheck with 9 Rental PropertiesChris Lopez ProfileClick here to check the full show notes: https://www.biggerpockets.com/blog/money-385Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Check out our sponsor page!]]></itunes:summary>
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	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[Your home equity could be the secret sauce to earlier retirement. With so many homeowners and rental property investors across the nation sitting on hundreds of thousands in home equity, one asks, “what if you used this trapped equity to build wealth?” And although most homeowners won’t want to sell their primary residences, refinance into higher mortgage rates, or risk taking out a high-priced HELOC, rental property owners are in the perfect position to use their massive equity positions to upgrade to bigger, better investments. We brought on Chris Lopez, Denver-based investor and agent, to explain.Chris has been able to build a sizable real estate portfolio quite quickly, but even he admits to starting a little later. After working most of his career as an internet marketer turned day trader, Chris gave it all up to go head-first into real estate as an investor-friendly agent and investor. And, as a Denver investor, he’s seen homes he bought just a few years ago EXPLODE in value, an]]></googleplay:description>
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<item>
	<title>384: How Red Robin’s Waiter of the Year Built MULTIPLE 9-Figure Businesses</title>
	<link>https://biggerpocketsmoney.com/podcast/384-how-red-robins-waiter-of-the-year-built-multiple-9-figure-businesses/</link>
	<pubDate>Mon, 13 Feb 2023 07:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
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	<description><![CDATA[Every entrepreneur wants to build a nine-figure business. Even a million dollars in revenue seems like a dream to the everyday American. So how did a Red Robin waiter, making five-dollar tips, leave college to start one of the fastest-growing real estate businesses in the country? Even better, how did he do it multiple times, creating not one, not two, but a group of entrepreneurial endeavors that casually bring in over nine figures each year? If you want to hear his system to success, you’ll have to stick around.James Dainard didn’t know much about real estate before college. After his roommate (and now business partner) started door knocking for local wholesalers, James decided to give it a try. He was miserable at it, barely getting a single deal done before leaving college. But, when offered a cushy six-figure salary, James declined, knowing that there were still riches to be made in real estate, but only if he worked smart.Fast-forward fifteen years and James owns a slew of real estate-related companies. From a luxury house flippingbusiness to hard money lending, a successful brokerage, a real estate development firm, and more, James didn’t just master one business—he mastered anything he could get his hands on. The best part? You can do this too! James drops some time-tested gems on starting, building, and scaling a business that will allow you to grow at an almost unbelievable rate like he did.In This Episode We CoverWhy James declined a $200K salary (out of college) to make a business-bet on himselfDoor knocking, wholesaling, and the BEST ways to make money as a college studentFrugality, keeping expenses low, and the massive benefit of reinvesting every dollar you haveHard money lending, real estate syndications, and other highly-profitable businesses most investors are unaware ofStructuring your team and how to scale your business even if you don’t have leadership experienceThe struggles of being a CEO and what to do when your strategy isn’t workingWhy every business needs a “quarterback” and a “coach” to succeedAnd So Much More!Links from the ShowBiggerPockets Money Facebook GroupBiggerPockets ForumsFinance Review Guest OnboardingScott's InstagramMindy's TwitterListen to All Your Favorite BiggerPockets Podcasts in One PlaceApply to Be a Guest on The Money ShowPodcast Talent Search!Subscribe to The “On The Market” YouTube ChannelListen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPocketsCheck Out Mindy’s 2022 Live Spending Tracker and BudgetOn The MarketFinancial Freedom Through Small Life Changes and a Modest Real Estate PortfolioHow to Become an “Overnight” Success in 10 Short Years with David GreeneClick here to check the full show notes: https://www.biggerpockets.com/blog/money-384Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Check out our sponsor page!]]></description>
	<itunes:subtitle><![CDATA[Every entrepreneur wants to build a nine-figure business. Even a million dollars in revenue seems like a dream to the everyday American. So how did a Red Robin waiter, making five-dollar tips, leave college to start one of the fastest-growing real estate]]></itunes:subtitle>
	<content:encoded><![CDATA[Every entrepreneur wants to build a nine-figure business. Even a million dollars in revenue seems like a dream to the everyday American. So how did a Red Robin waiter, making five-dollar tips, leave college to start one of the fastest-growing real estate businesses in the country? Even better, how did he do it multiple times, creating not one, not two, but a group of entrepreneurial endeavors that casually bring in over nine figures each year? If you want to hear his system to success, you’ll have to stick around.James Dainard didn’t know much about real estate before college. After his roommate (and now business partner) started door knocking for local wholesalers, James decided to give it a try. He was miserable at it, barely getting a single deal done before leaving college. But, when offered a cushy six-figure salary, James declined, knowing that there were still riches to be made in real estate, but only if he worked smart.Fast-forward fifteen years and James owns a slew of real estate-related companies. From a luxury house flippingbusiness to hard money lending, a successful brokerage, a real estate development firm, and more, James didn’t just master one business—he mastered anything he could get his hands on. The best part? You can do this too! James drops some time-tested gems on starting, building, and scaling a business that will allow you to grow at an almost unbelievable rate like he did.In This Episode We CoverWhy James declined a $200K salary (out of college) to make a business-bet on himselfDoor knocking, wholesaling, and the BEST ways to make money as a college studentFrugality, keeping expenses low, and the massive benefit of reinvesting every dollar you haveHard money lending, real estate syndications, and other highly-profitable businesses most investors are unaware ofStructuring your team and how to scale your business even if you don’t have leadership experienceThe struggles of being a CEO and what to do when your strategy isn’t workingWhy every business needs a “quarterback” and a “coach” to succeedAnd So Much More!Links from the ShowBiggerPockets Money Facebook GroupBiggerPockets ForumsFinance Review Guest OnboardingScott's InstagramMindy's TwitterListen to All Your Favorite BiggerPockets Podcasts in One PlaceApply to Be a Guest on The Money ShowPodcast Talent Search!Subscribe to The “On The Market” YouTube ChannelListen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPocketsCheck Out Mindy’s 2022 Live Spending Tracker and BudgetOn The MarketFinancial Freedom Through Small Life Changes and a Modest Real Estate PortfolioHow to Become an “Overnight” Success in 10 Short Years with David GreeneClick here to check the full show notes: https://www.biggerpockets.com/blog/money-384Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Check out our sponsor page!]]></content:encoded>
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	<itunes:summary><![CDATA[Every entrepreneur wants to build a nine-figure business. Even a million dollars in revenue seems like a dream to the everyday American. So how did a Red Robin waiter, making five-dollar tips, leave college to start one of the fastest-growing real estate businesses in the country? Even better, how did he do it multiple times, creating not one, not two, but a group of entrepreneurial endeavors that casually bring in over nine figures each year? If you want to hear his system to success, you’ll have to stick around.James Dainard didn’t know much about real estate before college. After his roommate (and now business partner) started door knocking for local wholesalers, James decided to give it a try. He was miserable at it, barely getting a single deal done before leaving college. But, when offered a cushy six-figure salary, James declined, knowing that there were still riches to be made in real estate, but only if he worked smart.Fast-forward fifteen years and James owns a slew of real estate-related companies. From a luxury house flippingbusiness to hard money lending, a successful brokerage, a real estate development firm, and more, James didn’t just master one business—he mastered anything he could get his hands on. The best part? You can do this too! James drops some time-tested gems on starting, building, and scaling a business that will allow you to grow at an almost unbelievable rate like he did.In This Episode We CoverWhy James declined a $200K salary (out of college) to make a business-bet on himselfDoor knocking, wholesaling, and the BEST ways to make money as a college studentFrugality, keeping expenses low, and the massive benefit of reinvesting every dollar you haveHard money lending, real estate syndications, and other highly-profitable businesses most investors are unaware ofStructuring your team and how to scale your business even if you don’t have leadership experienceThe struggles of being a CEO and what to do when your strategy isn’t workingWhy every business needs a “quarterback” and a “coach” to succeedAnd So Much More!Links from the ShowBiggerPockets Money Facebook GroupBiggerPockets ForumsFinance Review Guest OnboardingScott's InstagramMindy's TwitterListen to All Your Favorite BiggerPockets Podcasts in One PlaceApply to Be a Guest on The Money ShowPodcast Talent Search!Subscribe to The “On The Market” YouTube ChannelListen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPocketsCheck Out Mindy’s 2022 Live Spending Tracker and BudgetOn The MarketFinancial Freedom Through Small Life Changes and a Modest Real Estate PortfolioHow to Become an “Overnight” Success in 10 Short Years with David GreeneClick here to check the full show notes: https://www.biggerpockets.com/blog/money-384Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Check out our sponsor page!]]></itunes:summary>
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	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[Every entrepreneur wants to build a nine-figure business. Even a million dollars in revenue seems like a dream to the everyday American. So how did a Red Robin waiter, making five-dollar tips, leave college to start one of the fastest-growing real estate businesses in the country? Even better, how did he do it multiple times, creating not one, not two, but a group of entrepreneurial endeavors that casually bring in over nine figures each year? If you want to hear his system to success, you’ll have to stick around.James Dainard didn’t know much about real estate before college. After his roommate (and now business partner) started door knocking for local wholesalers, James decided to give it a try. He was miserable at it, barely getting a single deal done before leaving college. But, when offered a cushy six-figure salary, James declined, knowing that there were still riches to be made in real estate, but only if he worked smart.Fast-forward fifteen years and James owns a slew of real ]]></googleplay:description>
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<item>
	<title>383: The Hidden World of Credit Hacks That Leads to 0% Interest Loans</title>
	<link>https://biggerpocketsmoney.com/podcast/383-the-hidden-world-of-credit-hacks-that-leads-to-0-interest-loans/</link>
	<pubDate>Fri, 10 Feb 2023 07:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
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	<description><![CDATA[Knowing how to build business credit could be the difference between starting your dream business or waiting on the sidelines. And while most people think that building business credit requires years of income, million-dollar revenue, or a personal connection with your local bank, Jack McColl is here to tell you otherwise. Jack has been able to unlock half a million dollars in business credit in record time through a simple system. He did this using means that EVERYONE has access to and is here today to teach you how to do the same.Jack is a credit master, knowing the ins and outs of every credit score rating, travel credit card, business credit card, line of credit, and everything in between. He teaches some basic techniques in today’s show about how you can get your personal credit score to 700+ quickly and then use that to grow your business credit profile, allowing you to access 0% interest credit cards that can jumpstart your business when you’re low on cash. And even if you aren’t planning onbuilding a business anytime soon, Jack’s tips will help you get a better credit card, a lower mortgage rate, and easier access to lines of credit.Jack also touches on the exact steps you need to follow to reach an 850 credit score and why the “no credit, no debt” line of thinking will hurt you later in life. He shares the best banks to get business credit from, which cards will help your score the most, and why you should always open a checking account BEFORE asking for a business line of credit. If you want to boost your score, build a business, or just travel for free using points, stick around for this episode.In This Episode We CoverHow Jack scaled from $0 to $500K in business credit (and how you can too)FICO vs. VantageScore and which credit score is the most importantPersonal vs. business credit and how the two impact each other0% interest credit cards and how to unlock them by building your business creditBoosting your credit limits and the three cards to apply for to boost your credit profileLines of credit, SBA loans, and other options business owners have to draw funds fromCredit card hacking and how to use travel point cards to globetrot for free!And So Much More!Links from the ShowBiggerPockets Money Facebook GroupBiggerPockets ForumsFinance Review Guest OnboardingMoney MomentScott's InstagramMindy's TwitterListen to All Your Favorite BiggerPockets Podcasts in One PlaceApply to Be a Guest on The Money ShowPodcast Talent Search!Subscribe to The “On The Market” YouTube ChannelListen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPocketsCheck Out Mindy’s 2022 Live Spending Tracker and BudgetMy Score IQCreditKarmaClick here to check the full show notes: https://www.biggerpockets.com/blog/money-383Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Check out our sponsor page!]]></description>
	<itunes:subtitle><![CDATA[Knowing how to build business credit could be the difference between starting your dream business or waiting on the sidelines. And while most people think that building business credit requires years of income, million-dollar revenue, or a personal conne]]></itunes:subtitle>
	<content:encoded><![CDATA[Knowing how to build business credit could be the difference between starting your dream business or waiting on the sidelines. And while most people think that building business credit requires years of income, million-dollar revenue, or a personal connection with your local bank, Jack McColl is here to tell you otherwise. Jack has been able to unlock half a million dollars in business credit in record time through a simple system. He did this using means that EVERYONE has access to and is here today to teach you how to do the same.Jack is a credit master, knowing the ins and outs of every credit score rating, travel credit card, business credit card, line of credit, and everything in between. He teaches some basic techniques in today’s show about how you can get your personal credit score to 700+ quickly and then use that to grow your business credit profile, allowing you to access 0% interest credit cards that can jumpstart your business when you’re low on cash. And even if you aren’t planning onbuilding a business anytime soon, Jack’s tips will help you get a better credit card, a lower mortgage rate, and easier access to lines of credit.Jack also touches on the exact steps you need to follow to reach an 850 credit score and why the “no credit, no debt” line of thinking will hurt you later in life. He shares the best banks to get business credit from, which cards will help your score the most, and why you should always open a checking account BEFORE asking for a business line of credit. If you want to boost your score, build a business, or just travel for free using points, stick around for this episode.In This Episode We CoverHow Jack scaled from $0 to $500K in business credit (and how you can too)FICO vs. VantageScore and which credit score is the most importantPersonal vs. business credit and how the two impact each other0% interest credit cards and how to unlock them by building your business creditBoosting your credit limits and the three cards to apply for to boost your credit profileLines of credit, SBA loans, and other options business owners have to draw funds fromCredit card hacking and how to use travel point cards to globetrot for free!And So Much More!Links from the ShowBiggerPockets Money Facebook GroupBiggerPockets ForumsFinance Review Guest OnboardingMoney MomentScott's InstagramMindy's TwitterListen to All Your Favorite BiggerPockets Podcasts in One PlaceApply to Be a Guest on The Money ShowPodcast Talent Search!Subscribe to The “On The Market” YouTube ChannelListen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPocketsCheck Out Mindy’s 2022 Live Spending Tracker and BudgetMy Score IQCreditKarmaClick here to check the full show notes: https://www.biggerpockets.com/blog/money-383Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Check out our sponsor page!]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC2702445847.mp3" length="43410157" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[Knowing how to build business credit could be the difference between starting your dream business or waiting on the sidelines. And while most people think that building business credit requires years of income, million-dollar revenue, or a personal connection with your local bank, Jack McColl is here to tell you otherwise. Jack has been able to unlock half a million dollars in business credit in record time through a simple system. He did this using means that EVERYONE has access to and is here today to teach you how to do the same.Jack is a credit master, knowing the ins and outs of every credit score rating, travel credit card, business credit card, line of credit, and everything in between. He teaches some basic techniques in today’s show about how you can get your personal credit score to 700+ quickly and then use that to grow your business credit profile, allowing you to access 0% interest credit cards that can jumpstart your business when you’re low on cash. And even if you aren’t planning onbuilding a business anytime soon, Jack’s tips will help you get a better credit card, a lower mortgage rate, and easier access to lines of credit.Jack also touches on the exact steps you need to follow to reach an 850 credit score and why the “no credit, no debt” line of thinking will hurt you later in life. He shares the best banks to get business credit from, which cards will help your score the most, and why you should always open a checking account BEFORE asking for a business line of credit. If you want to boost your score, build a business, or just travel for free using points, stick around for this episode.In This Episode We CoverHow Jack scaled from $0 to $500K in business credit (and how you can too)FICO vs. VantageScore and which credit score is the most importantPersonal vs. business credit and how the two impact each other0% interest credit cards and how to unlock them by building your business creditBoosting your credit limits and the three cards to apply for to boost your credit profileLines of credit, SBA loans, and other options business owners have to draw funds fromCredit card hacking and how to use travel point cards to globetrot for free!And So Much More!Links from the ShowBiggerPockets Money Facebook GroupBiggerPockets ForumsFinance Review Guest OnboardingMoney MomentScott's InstagramMindy's TwitterListen to All Your Favorite BiggerPockets Podcasts in One PlaceApply to Be a Guest on The Money ShowPodcast Talent Search!Subscribe to The “On The Market” YouTube ChannelListen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPocketsCheck Out Mindy’s 2022 Live Spending Tracker and BudgetMy Score IQCreditKarmaClick here to check the full show notes: https://www.biggerpockets.com/blog/money-383Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Check out our sponsor page!]]></itunes:summary>
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	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[Knowing how to build business credit could be the difference between starting your dream business or waiting on the sidelines. And while most people think that building business credit requires years of income, million-dollar revenue, or a personal connection with your local bank, Jack McColl is here to tell you otherwise. Jack has been able to unlock half a million dollars in business credit in record time through a simple system. He did this using means that EVERYONE has access to and is here today to teach you how to do the same.Jack is a credit master, knowing the ins and outs of every credit score rating, travel credit card, business credit card, line of credit, and everything in between. He teaches some basic techniques in today’s show about how you can get your personal credit score to 700+ quickly and then use that to grow your business credit profile, allowing you to access 0% interest credit cards that can jumpstart your business when you’re low on cash. And even if you aren]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>382: HGTV Dream Home or Financial Headache? The Truth About Winning</title>
	<link>https://biggerpocketsmoney.com/podcast/382-hgtv-dream-home-or-financial-headache-the-truth-about-winning/</link>
	<pubDate>Mon, 06 Feb 2023 07:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">gid://art19-episode-locator/V0/oluckEAFxUqplbSKNfJF60mgwLesNtMhpvI5knPRvCM</guid>
	<description><![CDATA[What if you won the HGTV Dream Home? If you’ve heard of the sweepstakes before, you know what it feels like to watch the walkthroughs, read about the top-tier renovations, and imagine yourself soaking in the bliss of winning a mansion, tucked away in some of America’s most serene areas. But this dream may never come to fruition because the reality of winning the HGTV Dream Home is much different than most people think. To explain, we brought on CPA and tax expert Amanda Han.Amanda admits that even though she threw her name in for the Dream Home drawing, she has some reservations about winning. While HGTV promises a multi-million dollar mansion in the mountains of Colorado, the reality is far from a turnkey option. With so many winners either choosing to sell the home or take the cash prize, one wonders, “what really happens when you win?” If you decide to keep the home, you better have mountains of cash available to pay for it because this prize is far from free.But even if you don’t, you aren't entirely out of luck. Amanda highlights a few strategies that one lucky winner can use to keep the home, how to dodge an almost unbelievable tax burden, what to do if you opt for cash, and whether turning the Dream Home into a rental property makes more financial sense. We hope you win, and if you do, please send a housewarming party invitation to BiggerPockets at 3344 Walnut Street, Denver, CO 80205!In This Episode We CoverThe 2023 HGTV Dream Home and why it’s a perfect Colorado wilderness getawayThe MASSIVE tax implications of winning a sweepstakes and what you can expect to oweTaking the cash prize option and why this may be a better bet than keeping the homeTax saving strategies that can help you owe even less to the IRSHow much you need to make to afford the upkeep on this $2M+ mansion Donating the Dream Home to charity and whether you’ll still owe taxes afterReal estate professional status, depreciation, and turning the Dream Home into a rental for ongoing cash flowAnd So Much More!Links from the ShowBiggerPockets Money Facebook GroupBiggerPockets ForumsFinance Review Guest OnboardingScott's InstagramMindy's TwitterListen to All Your Favorite BiggerPockets Podcasts in One PlaceApply to Be a Guest on The Money ShowPodcast Talent Search!Subscribe to The “On The Market” YouTube ChannelListen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPocketsCheck Out Mindy’s 2022 Live Spending Tracker and BudgetClick here to check the full show notes: https://www.biggerpockets.com/blog/money-382Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Check out our sponsor page!]]></description>
	<itunes:subtitle><![CDATA[What if you won the HGTV Dream Home? If you’ve heard of the sweepstakes before, you know what it feels like to watch the walkthroughs, read about the top-tier renovations, and imagine yourself soaking in the bliss of winning a mansion, tucked away in som]]></itunes:subtitle>
	<content:encoded><![CDATA[What if you won the HGTV Dream Home? If you’ve heard of the sweepstakes before, you know what it feels like to watch the walkthroughs, read about the top-tier renovations, and imagine yourself soaking in the bliss of winning a mansion, tucked away in some of America’s most serene areas. But this dream may never come to fruition because the reality of winning the HGTV Dream Home is much different than most people think. To explain, we brought on CPA and tax expert Amanda Han.Amanda admits that even though she threw her name in for the Dream Home drawing, she has some reservations about winning. While HGTV promises a multi-million dollar mansion in the mountains of Colorado, the reality is far from a turnkey option. With so many winners either choosing to sell the home or take the cash prize, one wonders, “what really happens when you win?” If you decide to keep the home, you better have mountains of cash available to pay for it because this prize is far from free.But even if you don’t, you aren't entirely out of luck. Amanda highlights a few strategies that one lucky winner can use to keep the home, how to dodge an almost unbelievable tax burden, what to do if you opt for cash, and whether turning the Dream Home into a rental property makes more financial sense. We hope you win, and if you do, please send a housewarming party invitation to BiggerPockets at 3344 Walnut Street, Denver, CO 80205!In This Episode We CoverThe 2023 HGTV Dream Home and why it’s a perfect Colorado wilderness getawayThe MASSIVE tax implications of winning a sweepstakes and what you can expect to oweTaking the cash prize option and why this may be a better bet than keeping the homeTax saving strategies that can help you owe even less to the IRSHow much you need to make to afford the upkeep on this $2M+ mansion Donating the Dream Home to charity and whether you’ll still owe taxes afterReal estate professional status, depreciation, and turning the Dream Home into a rental for ongoing cash flowAnd So Much More!Links from the ShowBiggerPockets Money Facebook GroupBiggerPockets ForumsFinance Review Guest OnboardingScott's InstagramMindy's TwitterListen to All Your Favorite BiggerPockets Podcasts in One PlaceApply to Be a Guest on The Money ShowPodcast Talent Search!Subscribe to The “On The Market” YouTube ChannelListen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPocketsCheck Out Mindy’s 2022 Live Spending Tracker and BudgetClick here to check the full show notes: https://www.biggerpockets.com/blog/money-382Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Check out our sponsor page!]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC5408314632.mp3" length="51088104" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[What if you won the HGTV Dream Home? If you’ve heard of the sweepstakes before, you know what it feels like to watch the walkthroughs, read about the top-tier renovations, and imagine yourself soaking in the bliss of winning a mansion, tucked away in some of America’s most serene areas. But this dream may never come to fruition because the reality of winning the HGTV Dream Home is much different than most people think. To explain, we brought on CPA and tax expert Amanda Han.Amanda admits that even though she threw her name in for the Dream Home drawing, she has some reservations about winning. While HGTV promises a multi-million dollar mansion in the mountains of Colorado, the reality is far from a turnkey option. With so many winners either choosing to sell the home or take the cash prize, one wonders, “what really happens when you win?” If you decide to keep the home, you better have mountains of cash available to pay for it because this prize is far from free.But even if you don’t, you aren't entirely out of luck. Amanda highlights a few strategies that one lucky winner can use to keep the home, how to dodge an almost unbelievable tax burden, what to do if you opt for cash, and whether turning the Dream Home into a rental property makes more financial sense. We hope you win, and if you do, please send a housewarming party invitation to BiggerPockets at 3344 Walnut Street, Denver, CO 80205!In This Episode We CoverThe 2023 HGTV Dream Home and why it’s a perfect Colorado wilderness getawayThe MASSIVE tax implications of winning a sweepstakes and what you can expect to oweTaking the cash prize option and why this may be a better bet than keeping the homeTax saving strategies that can help you owe even less to the IRSHow much you need to make to afford the upkeep on this $2M+ mansion Donating the Dream Home to charity and whether you’ll still owe taxes afterReal estate professional status, depreciation, and turning the Dream Home into a rental for ongoing cash flowAnd So Much More!Links from the ShowBiggerPockets Money Facebook GroupBiggerPockets ForumsFinance Review Guest OnboardingScott's InstagramMindy's TwitterListen to All Your Favorite BiggerPockets Podcasts in One PlaceApply to Be a Guest on The Money ShowPodcast Talent Search!Subscribe to The “On The Market” YouTube ChannelListen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPocketsCheck Out Mindy’s 2022 Live Spending Tracker and BudgetClick here to check the full show notes: https://www.biggerpockets.com/blog/money-382Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Check out our sponsor page!]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[What if you won the HGTV Dream Home? If you’ve heard of the sweepstakes before, you know what it feels like to watch the walkthroughs, read about the top-tier renovations, and imagine yourself soaking in the bliss of winning a mansion, tucked away in some of America’s most serene areas. But this dream may never come to fruition because the reality of winning the HGTV Dream Home is much different than most people think. To explain, we brought on CPA and tax expert Amanda Han.Amanda admits that even though she threw her name in for the Dream Home drawing, she has some reservations about winning. While HGTV promises a multi-million dollar mansion in the mountains of Colorado, the reality is far from a turnkey option. With so many winners either choosing to sell the home or take the cash prize, one wonders, “what really happens when you win?” If you decide to keep the home, you better have mountains of cash available to pay for it because this prize is far from free.But even if you don’t,]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>381: Is Financial Fear Stopping You from Living the Life You Dream Of?</title>
	<link>https://biggerpocketsmoney.com/podcast/381-is-financial-fear-stopping-you-from-living-the-life-you-dream-of/</link>
	<pubDate>Fri, 03 Feb 2023 07:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">gid://art19-episode-locator/V0/qtwxEyd97vql0e65bRPbxXqrUDQzpGfYa7-bQmfoYS0</guid>
	<description><![CDATA[Knowing how to build wealth may come as a given for most investors. Buy assets, hold on to them, profit, and repeat. While this formula may seem simplistic at first glance, the emotional side behind investing is something rarely ever talked about. For those just starting to build wealth, wanting to become financially free, it can be anxiety-provoking tosacrifice most of your money for a single investment that could profit or end up failing. Rookie real estate investors constantly feel this fear before doing their first deal. But what about the fear of never moving forward?

Tamar Hermes grew up without much money, and for most of her life, she never felt she deserved to have a financial surplus. For Tamar, money was something tied to guilt, but she knew to become a self-made millionaire, she’d need to change her mindset. Now, she’s helping other investors, many of whom relate to Tamar’s “starting from zero" story, get their start by building passive-income-producing empires. If you want to repeat Tamar’s path, you’ll have to stick around!

In this episode, Tamar breaks down the simple ways anyone can start building wealth in 2023. She also hits on breaking past financial fear, building your money mindset, and why big goals should always be done in small steps, so you can hit your milestones faster than you think. 2023 is your year, and this is the best way to get started!

Tackle your 2023 goals with the help of BiggerPockets Pro! Sign up and use code “MONEYSHOW23” for a special discount! 




In This Episode We Cover

Overcoming money fears and why so many of us don’t think we deserve wealth

Knowing your “worst-case scenario” and how it can set you free when investing

2023 goals and how to turn yours into bite-sized steps you can accomplish every day

Becoming the person you need to be to build wealth in 2023 

What to do when your social circle/partner disagrees with your financially-free dreams

Pushing through “the grind” and why sacrifice is a prerequisite for success

Scott and Mindy’s simple 2023 steps that you can use to get on the right financial footing for this year

And So Much More!




Links from the Show

BiggerPockets Money Facebook Group

BiggerPockets Forums

Finance Review Guest Onboarding

Scott's Instagram

Mindy's Twitter

Listen to All Your Favorite BiggerPockets Podcasts in One Place

Apply to Be a Guest on The Money Show

Podcast Talent Search!

Subscribe to The “On The Market” YouTube Channel

Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets

Check Out Mindy’s 2022 Live Spending Tracker and Budget




Click here to check the full show notes: https://www.biggerpockets.com/blog/money-381




Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Check out our sponsor page!]]></description>
	<itunes:subtitle><![CDATA[Knowing how to build wealth may come as a given for most investors. Buy assets, hold on to them, profit, and repeat. While this formula may seem simplistic at first glance, the emotional side behind investing is something rarely ever talked about. For th]]></itunes:subtitle>
	<content:encoded><![CDATA[Knowing how to build wealth may come as a given for most investors. Buy assets, hold on to them, profit, and repeat. While this formula may seem simplistic at first glance, the emotional side behind investing is something rarely ever talked about. For those just starting to build wealth, wanting to become financially free, it can be anxiety-provoking tosacrifice most of your money for a single investment that could profit or end up failing. Rookie real estate investors constantly feel this fear before doing their first deal. But what about the fear of never moving forward?

Tamar Hermes grew up without much money, and for most of her life, she never felt she deserved to have a financial surplus. For Tamar, money was something tied to guilt, but she knew to become a self-made millionaire, she’d need to change her mindset. Now, she’s helping other investors, many of whom relate to Tamar’s “starting from zero" story, get their start by building passive-income-producing empires. If you want to repeat Tamar’s path, you’ll have to stick around!

In this episode, Tamar breaks down the simple ways anyone can start building wealth in 2023. She also hits on breaking past financial fear, building your money mindset, and why big goals should always be done in small steps, so you can hit your milestones faster than you think. 2023 is your year, and this is the best way to get started!

Tackle your 2023 goals with the help of BiggerPockets Pro! Sign up and use code “MONEYSHOW23” for a special discount! 




In This Episode We Cover

Overcoming money fears and why so many of us don’t think we deserve wealth

Knowing your “worst-case scenario” and how it can set you free when investing

2023 goals and how to turn yours into bite-sized steps you can accomplish every day

Becoming the person you need to be to build wealth in 2023 

What to do when your social circle/partner disagrees with your financially-free dreams

Pushing through “the grind” and why sacrifice is a prerequisite for success

Scott and Mindy’s simple 2023 steps that you can use to get on the right financial footing for this year

And So Much More!




Links from the Show

BiggerPockets Money Facebook Group

BiggerPockets Forums

Finance Review Guest Onboarding

Scott's Instagram

Mindy's Twitter

Listen to All Your Favorite BiggerPockets Podcasts in One Place

Apply to Be a Guest on The Money Show

Podcast Talent Search!

Subscribe to The “On The Market” YouTube Channel

Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets

Check Out Mindy’s 2022 Live Spending Tracker and Budget




Click here to check the full show notes: https://www.biggerpockets.com/blog/money-381




Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Check out our sponsor page!]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC8944249425.mp3" length="50564342" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[Knowing how to build wealth may come as a given for most investors. Buy assets, hold on to them, profit, and repeat. While this formula may seem simplistic at first glance, the emotional side behind investing is something rarely ever talked about. For those just starting to build wealth, wanting to become financially free, it can be anxiety-provoking tosacrifice most of your money for a single investment that could profit or end up failing. Rookie real estate investors constantly feel this fear before doing their first deal. But what about the fear of never moving forward?

Tamar Hermes grew up without much money, and for most of her life, she never felt she deserved to have a financial surplus. For Tamar, money was something tied to guilt, but she knew to become a self-made millionaire, she’d need to change her mindset. Now, she’s helping other investors, many of whom relate to Tamar’s “starting from zero" story, get their start by building passive-income-producing empires. If you want to repeat Tamar’s path, you’ll have to stick around!

In this episode, Tamar breaks down the simple ways anyone can start building wealth in 2023. She also hits on breaking past financial fear, building your money mindset, and why big goals should always be done in small steps, so you can hit your milestones faster than you think. 2023 is your year, and this is the best way to get started!

Tackle your 2023 goals with the help of BiggerPockets Pro! Sign up and use code “MONEYSHOW23” for a special discount! 




In This Episode We Cover

Overcoming money fears and why so many of us don’t think we deserve wealth

Knowing your “worst-case scenario” and how it can set you free when investing

2023 goals and how to turn yours into bite-sized steps you can accomplish every day

Becoming the person you need to be to build wealth in 2023 

What to do when your social circle/partner disagrees with your financially-free dreams

Pushing through “the grind” and why sacrifice is a prerequisite for success

Scott and Mindy’s simple 2023 steps that you can use to get on the right financial footing for this year

And So Much More!




Links from the Show

BiggerPockets Money Facebook Group

BiggerPockets Forums

Finance Review Guest Onboarding

Scott's Instagram

Mindy's Twitter

Listen to All Your Favorite BiggerPockets Podcasts in One Place

Apply to Be a Guest on The Money Show

Podcast Talent Search!

Subscribe to The “On The Market” YouTube Channel

Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets

Check Out Mindy’s 2022 Live Spending Tracker and Budget




Click here to check the full show notes: https://www.biggerpockets.com/blog/money-381




Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Check out our sponsor page!]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[Knowing how to build wealth may come as a given for most investors. Buy assets, hold on to them, profit, and repeat. While this formula may seem simplistic at first glance, the emotional side behind investing is something rarely ever talked about. For those just starting to build wealth, wanting to become financially free, it can be anxiety-provoking tosacrifice most of your money for a single investment that could profit or end up failing. Rookie real estate investors constantly feel this fear before doing their first deal. But what about the fear of never moving forward?

Tamar Hermes grew up without much money, and for most of her life, she never felt she deserved to have a financial surplus. For Tamar, money was something tied to guilt, but she knew to become a self-made millionaire, she’d need to change her mindset. Now, she’s helping other investors, many of whom relate to Tamar’s “starting from zero" story, get their start by building passive-income-producing empires. If you wa]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>380: Surviving a Layoff: What HR Wants You to Know?</title>
	<link>https://biggerpocketsmoney.com/podcast/380-surviving-a-layoff-what-hr-wants-you-to-know/</link>
	<pubDate>Mon, 30 Jan 2023 07:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">gid://art19-episode-locator/V0/6hCMjv3L2l2KU_VWUdNBNgwLtTovcemXnG-i_7kCbI0</guid>
	<description><![CDATA[The 2023 tech layoffs have already begun to make the 2022 tech layoffs look like small-scale firings. What started as a few large companies firing unneeded hires quickly ramped up to an industry-wide cost-cutting exercise as hundreds of thousands of employees were forced to walk away from their stable salaries, free lunches, and healthcare. With tech companies being some of the most generous in terms of compensation, it makes sense that these would be the first businesses to force mass layoffs. But what about those of us who aren’t in tech? Or those that are in tech but still have a job?

Tara Pramme joins us as a human resource expert, explaining exactly why layoffs are happening now, who will be most affected, what to do if you’re let go, and getting back into the job market. Tara knows how hard layoffs can be, especially for those with families to feed or work visas that only last as long as they’re employed. She knows precisely which document means what, what you should know before signing layoff contracts, what you can expect as severance, and how to keep yourself mentally stable during this challenging period.

With large-scale layoffs looking to last for at least the near future, Tara wants to ensure you’re ready for whatever happens next. You’ll also hear about the common warning signs that a layoff is about to happen, why you should NEVER post negatively online after a firing, and what to do on your last day at work.

We hope a layoff never happens to you, but if it does, this episode will leave you prepared to bounce back stronger than ever!




In This Episode We Cover

The 2023 tech layoffs explained and why so many companies are letting employees go

Common warning signs that a layoff is heading your way 

Who is first to be fired when a layoff is announced, and how to tell if your company is planning one

Severance packages, non-disparagement agreements, and how to avoid your final paycheck getting taken away

Healthcare, COBRA, and how to make sure you’re insured when you lose your job

Getting back into the job market and why it’s never too early to update your resume

The “why” behind layoffs and how companies choose to cut staff

And So Much More!




Links from the Show

BiggerPockets Money Facebook Group

BiggerPockets Forums

Finance Review Guest Onboarding

Scott's Instagram

Mindy's Twitter

Listen to All Your Favorite BiggerPockets Podcasts in One Place

Apply to Be a Guest on The Money Show

Podcast Talent Search!

Subscribe to The “On The Market” YouTube Channel

Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets

Check Out Mindy’s 2022 Live Spending Tracker and Budget

Silicon Valley Investors Club




Click here to check the full show notes: https://www.biggerpockets.com/blog/money-380




Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Check out our sponsor page!]]></description>
	<itunes:subtitle><![CDATA[The 2023 tech layoffs have already begun to make the 2022 tech layoffs look like small-scale firings. What started as a few large companies firing unneeded hires quickly ramped up to an industry-wide cost-cutting exercise as hundreds of thousands of empl]]></itunes:subtitle>
	<content:encoded><![CDATA[The 2023 tech layoffs have already begun to make the 2022 tech layoffs look like small-scale firings. What started as a few large companies firing unneeded hires quickly ramped up to an industry-wide cost-cutting exercise as hundreds of thousands of employees were forced to walk away from their stable salaries, free lunches, and healthcare. With tech companies being some of the most generous in terms of compensation, it makes sense that these would be the first businesses to force mass layoffs. But what about those of us who aren’t in tech? Or those that are in tech but still have a job?

Tara Pramme joins us as a human resource expert, explaining exactly why layoffs are happening now, who will be most affected, what to do if you’re let go, and getting back into the job market. Tara knows how hard layoffs can be, especially for those with families to feed or work visas that only last as long as they’re employed. She knows precisely which document means what, what you should know before signing layoff contracts, what you can expect as severance, and how to keep yourself mentally stable during this challenging period.

With large-scale layoffs looking to last for at least the near future, Tara wants to ensure you’re ready for whatever happens next. You’ll also hear about the common warning signs that a layoff is about to happen, why you should NEVER post negatively online after a firing, and what to do on your last day at work.

We hope a layoff never happens to you, but if it does, this episode will leave you prepared to bounce back stronger than ever!




In This Episode We Cover

The 2023 tech layoffs explained and why so many companies are letting employees go

Common warning signs that a layoff is heading your way 

Who is first to be fired when a layoff is announced, and how to tell if your company is planning one

Severance packages, non-disparagement agreements, and how to avoid your final paycheck getting taken away

Healthcare, COBRA, and how to make sure you’re insured when you lose your job

Getting back into the job market and why it’s never too early to update your resume

The “why” behind layoffs and how companies choose to cut staff

And So Much More!




Links from the Show

BiggerPockets Money Facebook Group

BiggerPockets Forums

Finance Review Guest Onboarding

Scott's Instagram

Mindy's Twitter

Listen to All Your Favorite BiggerPockets Podcasts in One Place

Apply to Be a Guest on The Money Show

Podcast Talent Search!

Subscribe to The “On The Market” YouTube Channel

Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets

Check Out Mindy’s 2022 Live Spending Tracker and Budget

Silicon Valley Investors Club




Click here to check the full show notes: https://www.biggerpockets.com/blog/money-380




Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Check out our sponsor page!]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC6430695461.mp3" length="55533759" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[The 2023 tech layoffs have already begun to make the 2022 tech layoffs look like small-scale firings. What started as a few large companies firing unneeded hires quickly ramped up to an industry-wide cost-cutting exercise as hundreds of thousands of employees were forced to walk away from their stable salaries, free lunches, and healthcare. With tech companies being some of the most generous in terms of compensation, it makes sense that these would be the first businesses to force mass layoffs. But what about those of us who aren’t in tech? Or those that are in tech but still have a job?

Tara Pramme joins us as a human resource expert, explaining exactly why layoffs are happening now, who will be most affected, what to do if you’re let go, and getting back into the job market. Tara knows how hard layoffs can be, especially for those with families to feed or work visas that only last as long as they’re employed. She knows precisely which document means what, what you should know before signing layoff contracts, what you can expect as severance, and how to keep yourself mentally stable during this challenging period.

With large-scale layoffs looking to last for at least the near future, Tara wants to ensure you’re ready for whatever happens next. You’ll also hear about the common warning signs that a layoff is about to happen, why you should NEVER post negatively online after a firing, and what to do on your last day at work.

We hope a layoff never happens to you, but if it does, this episode will leave you prepared to bounce back stronger than ever!




In This Episode We Cover

The 2023 tech layoffs explained and why so many companies are letting employees go

Common warning signs that a layoff is heading your way 

Who is first to be fired when a layoff is announced, and how to tell if your company is planning one

Severance packages, non-disparagement agreements, and how to avoid your final paycheck getting taken away

Healthcare, COBRA, and how to make sure you’re insured when you lose your job

Getting back into the job market and why it’s never too early to update your resume

The “why” behind layoffs and how companies choose to cut staff

And So Much More!




Links from the Show

BiggerPockets Money Facebook Group

BiggerPockets Forums

Finance Review Guest Onboarding

Scott's Instagram

Mindy's Twitter

Listen to All Your Favorite BiggerPockets Podcasts in One Place

Apply to Be a Guest on The Money Show

Podcast Talent Search!

Subscribe to The “On The Market” YouTube Channel

Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets

Check Out Mindy’s 2022 Live Spending Tracker and Budget

Silicon Valley Investors Club




Click here to check the full show notes: https://www.biggerpockets.com/blog/money-380




Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Check out our sponsor page!]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[The 2023 tech layoffs have already begun to make the 2022 tech layoffs look like small-scale firings. What started as a few large companies firing unneeded hires quickly ramped up to an industry-wide cost-cutting exercise as hundreds of thousands of employees were forced to walk away from their stable salaries, free lunches, and healthcare. With tech companies being some of the most generous in terms of compensation, it makes sense that these would be the first businesses to force mass layoffs. But what about those of us who aren’t in tech? Or those that are in tech but still have a job?

Tara Pramme joins us as a human resource expert, explaining exactly why layoffs are happening now, who will be most affected, what to do if you’re let go, and getting back into the job market. Tara knows how hard layoffs can be, especially for those with families to feed or work visas that only last as long as they’re employed. She knows precisely which document means what, what you should know befor]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>379: Finance Friday: Stock-Based Compensation Explained and Tax Traps to Avoid</title>
	<link>https://biggerpocketsmoney.com/podcast/379-finance-friday-stock-based-compensation-explained-and-tax-traps-to-avoid/</link>
	<pubDate>Fri, 27 Jan 2023 07:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">gid://art19-episode-locator/V0/Un1mFwtZc9EM8iofdh0eegXvYqljlKfPYzc9Y7mFbls</guid>
	<description><![CDATA[For the entry-level worker, employee stock options may seem completely foreign. But for most tech workers, this is commonplace and can be highly lucrative if understood correctly. In short, employee stock options, employee stock purchase plans (ESPPs), and restricted stock units (RSUs) all give an employee far more upside (and downside) than a traditional salary. As a result, you’re trading steady take-home pay for the potential to own company stock sharesthat could be valued at even more when you decide to sell. But is this gamble ever worth it?

JT, long-time tech worker, has spent most of his life tinkering away as an engineer at some of the biggest companies in computing. He’s no stranger to the world of stock-based compensation and knows it can be worth the lack of salary if done correctly. In this episode, JT gives a complete overview of what stock-based compensation means, the three different types of stock you’ll be offered, and how this type of payout compares to a regular salary.

He also goes in-depth on timing the sale of your stocks, the tax traps that could cost you thousands, and how to create a plan that lets you profit when getting paid in shares. If you ever foresee yourself working at a startup, tech company, or publicly-traded conglomerate, you MUST know what these types of compensation mean. Or, you’ll risk losing the real reward of a stock-based salary.




In This Episode We Cover

Stock-based compensation explained and why companies would rather pay shares than a salary

ESPPs, RSUs, stock options, and the different ways you could get paid at a tech company

When to sell your company shares and tax tips that can stop you from owning a big IRS bill

Who is eligible to be paid in stock, and whether or not entry-level workers can get access

The stock-payout schedule and when employees can expect to receive full compensation for years of company loyalty

JT’s stock-selling strategy and whether he chooses to sell or hold on to company stock

And So Much More!




Links from the Show

BiggerPockets Money Facebook Group

BiggerPockets Forums

Finance Review Guest Onboarding

Scott's Instagram

Mindy's Twitter

Listen to All Your Favorite BiggerPockets Podcasts in One Place

Apply to Be a Guest on The Money Show

Podcast Talent Search!

Subscribe to The “On The Market” YouTube Channel

Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets

Check Out Mindy’s 2022 Live Spending Tracker and Budget




Click here to check the full show notes: https://www.biggerpockets.com/blog/money-379




Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Check out our sponsor page!]]></description>
	<itunes:subtitle><![CDATA[For the entry-level worker, employee stock options may seem completely foreign. But for most tech workers, this is commonplace and can be highly lucrative if understood correctly. In short, employee stock options, employee stock purchase plans (ESPPs), a]]></itunes:subtitle>
	<content:encoded><![CDATA[For the entry-level worker, employee stock options may seem completely foreign. But for most tech workers, this is commonplace and can be highly lucrative if understood correctly. In short, employee stock options, employee stock purchase plans (ESPPs), and restricted stock units (RSUs) all give an employee far more upside (and downside) than a traditional salary. As a result, you’re trading steady take-home pay for the potential to own company stock sharesthat could be valued at even more when you decide to sell. But is this gamble ever worth it?

JT, long-time tech worker, has spent most of his life tinkering away as an engineer at some of the biggest companies in computing. He’s no stranger to the world of stock-based compensation and knows it can be worth the lack of salary if done correctly. In this episode, JT gives a complete overview of what stock-based compensation means, the three different types of stock you’ll be offered, and how this type of payout compares to a regular salary.

He also goes in-depth on timing the sale of your stocks, the tax traps that could cost you thousands, and how to create a plan that lets you profit when getting paid in shares. If you ever foresee yourself working at a startup, tech company, or publicly-traded conglomerate, you MUST know what these types of compensation mean. Or, you’ll risk losing the real reward of a stock-based salary.




In This Episode We Cover

Stock-based compensation explained and why companies would rather pay shares than a salary

ESPPs, RSUs, stock options, and the different ways you could get paid at a tech company

When to sell your company shares and tax tips that can stop you from owning a big IRS bill

Who is eligible to be paid in stock, and whether or not entry-level workers can get access

The stock-payout schedule and when employees can expect to receive full compensation for years of company loyalty

JT’s stock-selling strategy and whether he chooses to sell or hold on to company stock

And So Much More!




Links from the Show

BiggerPockets Money Facebook Group

BiggerPockets Forums

Finance Review Guest Onboarding

Scott's Instagram

Mindy's Twitter

Listen to All Your Favorite BiggerPockets Podcasts in One Place

Apply to Be a Guest on The Money Show

Podcast Talent Search!

Subscribe to The “On The Market” YouTube Channel

Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets

Check Out Mindy’s 2022 Live Spending Tracker and Budget




Click here to check the full show notes: https://www.biggerpockets.com/blog/money-379




Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Check out our sponsor page!]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC4932311429.mp3" length="59006852" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[For the entry-level worker, employee stock options may seem completely foreign. But for most tech workers, this is commonplace and can be highly lucrative if understood correctly. In short, employee stock options, employee stock purchase plans (ESPPs), and restricted stock units (RSUs) all give an employee far more upside (and downside) than a traditional salary. As a result, you’re trading steady take-home pay for the potential to own company stock sharesthat could be valued at even more when you decide to sell. But is this gamble ever worth it?

JT, long-time tech worker, has spent most of his life tinkering away as an engineer at some of the biggest companies in computing. He’s no stranger to the world of stock-based compensation and knows it can be worth the lack of salary if done correctly. In this episode, JT gives a complete overview of what stock-based compensation means, the three different types of stock you’ll be offered, and how this type of payout compares to a regular salary.

He also goes in-depth on timing the sale of your stocks, the tax traps that could cost you thousands, and how to create a plan that lets you profit when getting paid in shares. If you ever foresee yourself working at a startup, tech company, or publicly-traded conglomerate, you MUST know what these types of compensation mean. Or, you’ll risk losing the real reward of a stock-based salary.




In This Episode We Cover

Stock-based compensation explained and why companies would rather pay shares than a salary

ESPPs, RSUs, stock options, and the different ways you could get paid at a tech company

When to sell your company shares and tax tips that can stop you from owning a big IRS bill

Who is eligible to be paid in stock, and whether or not entry-level workers can get access

The stock-payout schedule and when employees can expect to receive full compensation for years of company loyalty

JT’s stock-selling strategy and whether he chooses to sell or hold on to company stock

And So Much More!




Links from the Show

BiggerPockets Money Facebook Group

BiggerPockets Forums

Finance Review Guest Onboarding

Scott's Instagram

Mindy's Twitter

Listen to All Your Favorite BiggerPockets Podcasts in One Place

Apply to Be a Guest on The Money Show

Podcast Talent Search!

Subscribe to The “On The Market” YouTube Channel

Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets

Check Out Mindy’s 2022 Live Spending Tracker and Budget




Click here to check the full show notes: https://www.biggerpockets.com/blog/money-379




Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Check out our sponsor page!]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[For the entry-level worker, employee stock options may seem completely foreign. But for most tech workers, this is commonplace and can be highly lucrative if understood correctly. In short, employee stock options, employee stock purchase plans (ESPPs), and restricted stock units (RSUs) all give an employee far more upside (and downside) than a traditional salary. As a result, you’re trading steady take-home pay for the potential to own company stock sharesthat could be valued at even more when you decide to sell. But is this gamble ever worth it?

JT, long-time tech worker, has spent most of his life tinkering away as an engineer at some of the biggest companies in computing. He’s no stranger to the world of stock-based compensation and knows it can be worth the lack of salary if done correctly. In this episode, JT gives a complete overview of what stock-based compensation means, the three different types of stock you’ll be offered, and how this type of payout compares to a regular sa]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>378: Billion-Dollar Jackpots and the Bright Side of Buying a Lottery Ticket</title>
	<link>https://biggerpocketsmoney.com/podcast/378-billion-dollar-jackpots-and-the-bright-side-of-buying-a-lottery-ticket/</link>
	<pubDate>Wed, 25 Jan 2023 03:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">gid://art19-episode-locator/V0/ojXeNm4HtDM2tIr2LXG2nc8_-KNhLMDoh0gWorsdUDM</guid>
	<description><![CDATA[“What to do if you win the lottery." This question is getting more online searches than ever before. But what would you do? The wheels start turning as soon as those lucky numbers get picked. You stare down at your ticket in disbelief. Then, you make sure to match the ticket in your hand to the numbers on the screen. You could be staring at a million or billion-dollar prize, and for a second, most of your financial worries start to slip away, soon to be replaced by a new set of challenges. How will you manage it? How much will you owe back in taxes? Should you take the annual payouts or the lump sum? A better question is, “how do I redeem this thing!?”

The lottery is played by millions across the United States, hoping to get their hands on the winning prize. But how does the lottery work? Where does the money you spend on a ticket go? And do you really have a chance of ever winning? Carolyn Becker from the California State Lottery knows more than most. She’s been working with lottery agencies for years, making sure that winners are genuine players and ensuring that a percentage of the lottery profits go to good causes within the Golden State.

She outlines exactly how the lottery works, how the winning numbers are chosen, the philanthropic side of buying a ticket, and what to do when you win millions or billions of dollars at once. She also drops some tips on better ways to play the lottery and why there’s a higher chance of you winning than you think. So, if you’re buying a ticket in hopes of a billion-dollar jackpot, Carolyn’s advice could help!




In This Episode We Cover

The history of the lottery and using ticket sales to fund philanthropic causes 

Why Mega Millions and Powerball jackpots are hitting the billion-dollar mark 

The actual odds of winning the lottery and the chance of you getting a cash prize

Interest rates and the Federal Reserve’s effect on lottery jackpots 

What to do if you win the lottery and why a financial advisor should be your first hire

The “lottery curse” and why so many winners blow their money after hitting a big win

And So Much More!




Links from the Show

BiggerPockets Money Facebook Group

BiggerPockets Forums

Finance Review Guest Onboarding

Scott's Instagram

Mindy's Twitter

Listen to All Your Favorite BiggerPockets Podcasts in One Place

Apply to Be a Guest on The Money Show

Podcast Talent Search!

Subscribe to The “On The Market” YouTube Channel

Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets

Check Out Mindy’s 2022 Live Spending Tracker and Budget

Megamillions




Click here to check the full show notes: https://www.biggerpockets.com/blog/money-378




Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Check out our sponsor page!]]></description>
	<itunes:subtitle><![CDATA[“What to do if you win the lottery. This question is getting more online searches than ever before. But what would you do? The wheels start turning as soon as those lucky numbers get picked. You stare down at your ticket in disbelief. Then, you make sure]]></itunes:subtitle>
	<content:encoded><![CDATA[“What to do if you win the lottery." This question is getting more online searches than ever before. But what would you do? The wheels start turning as soon as those lucky numbers get picked. You stare down at your ticket in disbelief. Then, you make sure to match the ticket in your hand to the numbers on the screen. You could be staring at a million or billion-dollar prize, and for a second, most of your financial worries start to slip away, soon to be replaced by a new set of challenges. How will you manage it? How much will you owe back in taxes? Should you take the annual payouts or the lump sum? A better question is, “how do I redeem this thing!?”

The lottery is played by millions across the United States, hoping to get their hands on the winning prize. But how does the lottery work? Where does the money you spend on a ticket go? And do you really have a chance of ever winning? Carolyn Becker from the California State Lottery knows more than most. She’s been working with lottery agencies for years, making sure that winners are genuine players and ensuring that a percentage of the lottery profits go to good causes within the Golden State.

She outlines exactly how the lottery works, how the winning numbers are chosen, the philanthropic side of buying a ticket, and what to do when you win millions or billions of dollars at once. She also drops some tips on better ways to play the lottery and why there’s a higher chance of you winning than you think. So, if you’re buying a ticket in hopes of a billion-dollar jackpot, Carolyn’s advice could help!




In This Episode We Cover

The history of the lottery and using ticket sales to fund philanthropic causes 

Why Mega Millions and Powerball jackpots are hitting the billion-dollar mark 

The actual odds of winning the lottery and the chance of you getting a cash prize

Interest rates and the Federal Reserve’s effect on lottery jackpots 

What to do if you win the lottery and why a financial advisor should be your first hire

The “lottery curse” and why so many winners blow their money after hitting a big win

And So Much More!




Links from the Show

BiggerPockets Money Facebook Group

BiggerPockets Forums

Finance Review Guest Onboarding

Scott's Instagram

Mindy's Twitter

Listen to All Your Favorite BiggerPockets Podcasts in One Place

Apply to Be a Guest on The Money Show

Podcast Talent Search!

Subscribe to The “On The Market” YouTube Channel

Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets

Check Out Mindy’s 2022 Live Spending Tracker and Budget

Megamillions




Click here to check the full show notes: https://www.biggerpockets.com/blog/money-378




Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Check out our sponsor page!]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC3429092166.mp3" length="60805464" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[“What to do if you win the lottery." This question is getting more online searches than ever before. But what would you do? The wheels start turning as soon as those lucky numbers get picked. You stare down at your ticket in disbelief. Then, you make sure to match the ticket in your hand to the numbers on the screen. You could be staring at a million or billion-dollar prize, and for a second, most of your financial worries start to slip away, soon to be replaced by a new set of challenges. How will you manage it? How much will you owe back in taxes? Should you take the annual payouts or the lump sum? A better question is, “how do I redeem this thing!?”

The lottery is played by millions across the United States, hoping to get their hands on the winning prize. But how does the lottery work? Where does the money you spend on a ticket go? And do you really have a chance of ever winning? Carolyn Becker from the California State Lottery knows more than most. She’s been working with lottery agencies for years, making sure that winners are genuine players and ensuring that a percentage of the lottery profits go to good causes within the Golden State.

She outlines exactly how the lottery works, how the winning numbers are chosen, the philanthropic side of buying a ticket, and what to do when you win millions or billions of dollars at once. She also drops some tips on better ways to play the lottery and why there’s a higher chance of you winning than you think. So, if you’re buying a ticket in hopes of a billion-dollar jackpot, Carolyn’s advice could help!




In This Episode We Cover

The history of the lottery and using ticket sales to fund philanthropic causes 

Why Mega Millions and Powerball jackpots are hitting the billion-dollar mark 

The actual odds of winning the lottery and the chance of you getting a cash prize

Interest rates and the Federal Reserve’s effect on lottery jackpots 

What to do if you win the lottery and why a financial advisor should be your first hire

The “lottery curse” and why so many winners blow their money after hitting a big win

And So Much More!




Links from the Show

BiggerPockets Money Facebook Group

BiggerPockets Forums

Finance Review Guest Onboarding

Scott's Instagram

Mindy's Twitter

Listen to All Your Favorite BiggerPockets Podcasts in One Place

Apply to Be a Guest on The Money Show

Podcast Talent Search!

Subscribe to The “On The Market” YouTube Channel

Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets

Check Out Mindy’s 2022 Live Spending Tracker and Budget

Megamillions




Click here to check the full show notes: https://www.biggerpockets.com/blog/money-378




Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Check out our sponsor page!]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[“What to do if you win the lottery." This question is getting more online searches than ever before. But what would you do? The wheels start turning as soon as those lucky numbers get picked. You stare down at your ticket in disbelief. Then, you make sure to match the ticket in your hand to the numbers on the screen. You could be staring at a million or billion-dollar prize, and for a second, most of your financial worries start to slip away, soon to be replaced by a new set of challenges. How will you manage it? How much will you owe back in taxes? Should you take the annual payouts or the lump sum? A better question is, “how do I redeem this thing!?”

The lottery is played by millions across the United States, hoping to get their hands on the winning prize. But how does the lottery work? Where does the money you spend on a ticket go? And do you really have a chance of ever winning? Carolyn Becker from the California State Lottery knows more than most. She’s been working with lottery]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>377: Mr. Money Mustache on Life After FI: The Truth About Retiring Early in Your 30s</title>
	<link>https://biggerpocketsmoney.com/podcast/377-mr-money-mustache-on-life-after-fi-the-truth-about-retiring-early-in-your-30s/</link>
	<pubDate>Mon, 23 Jan 2023 07:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">gid://art19-episode-locator/V0/HDXwd7eW21UZ2_VUjmi6JP0ZgUN4zvi45gnDQKZqdys</guid>
	<description><![CDATA[Mr. Money Mustache is the internet’s poster child for early retirement. At age thirty, Pete Adeney was able to leave a lucrative job as a software engineer to focus on building a financially free life. He brought the FIRE movement to the mainstream by teaching others online how simple spending skills could allow them to quit their corporate jobs, keep more money while working less, and live a life centered around passion, not a paycheck. His popular blog has garnered millions of visits, as early versions of himself flock to the financially-freeing wisdom so rarely talked about in average American society.

Pete has been retired for nearly twenty years now, meaning he’s been FIRE more than double the amount of time he spent in the working world. So, how does he spend his days? What keeps him going? Does he still have enough money?And how can someone repeat his system? Scott and Mindy spend this episode asking the “life after FI” questions, so you can know exactly what you’re getting into when you retire early. Pete’s answers shed light on often untouched topics that most of the money community can’t answer.

We’ll go deep into planning for financial independence, developing “spending skills” that can bring early retirement decades sooner, and the right way to quit your job and wean off work. Pete also shows what the day in the life of an early retiree looks like and how today’s stock market crash has affected his portfolio. Want to retire early? Strap in—we’ve got the man who brought FI to the masses on today’s show!




In This Episode We Cover

Pete’s repeatable plan for FI and the simple steps that can lead to financial freedom

Quitting your 9-5 and why leaving work all at once could be a big mistake

Why most early retirees never touch their nest egg (and why you probably won't either)

Whether or not early retirement truly lives up to the hype

The 2022 stock market crash and how it’s affected Pete’s portfolio and investing mentality

Stocks vs. bonds and why someone who’s chasing early retirement should choose one over the other

And So Much More!




Links from the Show

Find an Investor-Friendly Real Estate Agent

BiggerPockets Money Facebook Group

BiggerPockets Forums

Finance Review Guest Onboarding

Mindy's Twitter

Scott's Instagram

Listen to All Your Favorite BiggerPockets Podcasts in One Place

Apply to Be a Guest on The Money Show

Podcast Talent Search!

Subscribe to The “On The Market” YouTube Channel

Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets

Check Out Mindy’s 2022 Live Spending Tracker and Budget

Mr. Money Mustache

The Surprising (Scientific) Truth Behind What Makes You Successful

Multpl.com

Cfiresim calculator

Early Retirement Extreme




Click here to check the full show notes: https://www.biggerpockets.com/blog/money-377




Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Check out our sponsor page!]]></description>
	<itunes:subtitle><![CDATA[Mr. Money Mustache is the internet’s poster child for early retirement. At age thirty, Pete Adeney was able to leave a lucrative job as a software engineer to focus on building a financially free life. He brought the FIRE movement to the mainstream by te]]></itunes:subtitle>
	<content:encoded><![CDATA[Mr. Money Mustache is the internet’s poster child for early retirement. At age thirty, Pete Adeney was able to leave a lucrative job as a software engineer to focus on building a financially free life. He brought the FIRE movement to the mainstream by teaching others online how simple spending skills could allow them to quit their corporate jobs, keep more money while working less, and live a life centered around passion, not a paycheck. His popular blog has garnered millions of visits, as early versions of himself flock to the financially-freeing wisdom so rarely talked about in average American society.

Pete has been retired for nearly twenty years now, meaning he’s been FIRE more than double the amount of time he spent in the working world. So, how does he spend his days? What keeps him going? Does he still have enough money?And how can someone repeat his system? Scott and Mindy spend this episode asking the “life after FI” questions, so you can know exactly what you’re getting into when you retire early. Pete’s answers shed light on often untouched topics that most of the money community can’t answer.

We’ll go deep into planning for financial independence, developing “spending skills” that can bring early retirement decades sooner, and the right way to quit your job and wean off work. Pete also shows what the day in the life of an early retiree looks like and how today’s stock market crash has affected his portfolio. Want to retire early? Strap in—we’ve got the man who brought FI to the masses on today’s show!




In This Episode We Cover

Pete’s repeatable plan for FI and the simple steps that can lead to financial freedom

Quitting your 9-5 and why leaving work all at once could be a big mistake

Why most early retirees never touch their nest egg (and why you probably won't either)

Whether or not early retirement truly lives up to the hype

The 2022 stock market crash and how it’s affected Pete’s portfolio and investing mentality

Stocks vs. bonds and why someone who’s chasing early retirement should choose one over the other

And So Much More!




Links from the Show

Find an Investor-Friendly Real Estate Agent

BiggerPockets Money Facebook Group

BiggerPockets Forums

Finance Review Guest Onboarding

Mindy's Twitter

Scott's Instagram

Listen to All Your Favorite BiggerPockets Podcasts in One Place

Apply to Be a Guest on The Money Show

Podcast Talent Search!

Subscribe to The “On The Market” YouTube Channel

Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets

Check Out Mindy’s 2022 Live Spending Tracker and Budget

Mr. Money Mustache

The Surprising (Scientific) Truth Behind What Makes You Successful

Multpl.com

Cfiresim calculator

Early Retirement Extreme




Click here to check the full show notes: https://www.biggerpockets.com/blog/money-377




Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Check out our sponsor page!]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC3617714372.mp3" length="74450018" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[Mr. Money Mustache is the internet’s poster child for early retirement. At age thirty, Pete Adeney was able to leave a lucrative job as a software engineer to focus on building a financially free life. He brought the FIRE movement to the mainstream by teaching others online how simple spending skills could allow them to quit their corporate jobs, keep more money while working less, and live a life centered around passion, not a paycheck. His popular blog has garnered millions of visits, as early versions of himself flock to the financially-freeing wisdom so rarely talked about in average American society.

Pete has been retired for nearly twenty years now, meaning he’s been FIRE more than double the amount of time he spent in the working world. So, how does he spend his days? What keeps him going? Does he still have enough money?And how can someone repeat his system? Scott and Mindy spend this episode asking the “life after FI” questions, so you can know exactly what you’re getting into when you retire early. Pete’s answers shed light on often untouched topics that most of the money community can’t answer.

We’ll go deep into planning for financial independence, developing “spending skills” that can bring early retirement decades sooner, and the right way to quit your job and wean off work. Pete also shows what the day in the life of an early retiree looks like and how today’s stock market crash has affected his portfolio. Want to retire early? Strap in—we’ve got the man who brought FI to the masses on today’s show!




In This Episode We Cover

Pete’s repeatable plan for FI and the simple steps that can lead to financial freedom

Quitting your 9-5 and why leaving work all at once could be a big mistake

Why most early retirees never touch their nest egg (and why you probably won't either)

Whether or not early retirement truly lives up to the hype

The 2022 stock market crash and how it’s affected Pete’s portfolio and investing mentality

Stocks vs. bonds and why someone who’s chasing early retirement should choose one over the other

And So Much More!




Links from the Show

Find an Investor-Friendly Real Estate Agent

BiggerPockets Money Facebook Group

BiggerPockets Forums

Finance Review Guest Onboarding

Mindy's Twitter

Scott's Instagram

Listen to All Your Favorite BiggerPockets Podcasts in One Place

Apply to Be a Guest on The Money Show

Podcast Talent Search!

Subscribe to The “On The Market” YouTube Channel

Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets

Check Out Mindy’s 2022 Live Spending Tracker and Budget

Mr. Money Mustache

The Surprising (Scientific) Truth Behind What Makes You Successful

Multpl.com

Cfiresim calculator

Early Retirement Extreme




Click here to check the full show notes: https://www.biggerpockets.com/blog/money-377




Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Check out our sponsor page!]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[Mr. Money Mustache is the internet’s poster child for early retirement. At age thirty, Pete Adeney was able to leave a lucrative job as a software engineer to focus on building a financially free life. He brought the FIRE movement to the mainstream by teaching others online how simple spending skills could allow them to quit their corporate jobs, keep more money while working less, and live a life centered around passion, not a paycheck. His popular blog has garnered millions of visits, as early versions of himself flock to the financially-freeing wisdom so rarely talked about in average American society.

Pete has been retired for nearly twenty years now, meaning he’s been FIRE more than double the amount of time he spent in the working world. So, how does he spend his days? What keeps him going? Does he still have enough money?And how can someone repeat his system? Scott and Mindy spend this episode asking the “life after FI” questions, so you can know exactly what you’re getting in]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>376: Margin Loans: Low-Interest Lending or Risky Rates?</title>
	<link>https://biggerpocketsmoney.com/podcast/376-margin-loans-low-interest-lending-or-risky-rates/</link>
	<pubDate>Fri, 20 Jan 2023 07:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">gid://art19-episode-locator/V0/nAlbzZFHqNFiRkYlP1QLLpTSTJ5DRi2iWRpolU4aIaA</guid>
	<description><![CDATA[Margin loans could be the sneakiest way to snag a low-interest rate loan in today’s Fed-influenced environment. What most investors don’t know is that you can use your stock portfolio as collateral to get massively discounted lending, but it comes with considerable risk. Carl and Mindy Jensen used this type of lending to buy their most recent real estate purchase, a medium-term rental renovation project in the same neighborhood as their primary residence.

At the time, Carl could get an interest rate so attractive that it was almost impossible to pass up. We’re talking about mortgage-sized loans with less than 2% interest! This seemed like a steal at the time, but as the market started to tank and big tech stocks like Tesla took a tumble, Carl and Mindy’s margin loan began getting hit. They faced a tough decision: either get liquidated and lose much of their stock portfolio or come up with the difference themselves.

In this episode, you’ll hear exactly how Carl and Mindy grew their stock portfolio to multiple millions in worth, the mistakes they made along the way, why they took out a margin loan, and whether or not they’d do it again. If you’ve got a sizable stock portfolio but don’t know how to get funding for your real estate deal, stick around! Margin loans could be an option for you, but you’ll need to know how to work them first.




In This Episode We Cover

Margin loans explained and the risk that comes with a low-interest rate loan 

Investing in tech stocks and whether or not they’re worth it now that stock valuations are down

Index fund investing and why single stock-picking may be riskier than you think

What getting a “margin call” means, and what to do when your stock values drop

HELOCs (home equity lines of credit) and using them as a safety net for paying off debt

Carl and Mindy’s new medium-term rental and whether the headache was worth the new house

And So Much More!




Links from the Show

Find an Investor-Friendly Real Estate Agent

BiggerPockets Money Facebook Group

BiggerPockets Forums

Finance Review Guest Onboarding

Mindy's Twitter

Mile High FI Podcast

1,500 Days to Freedom

Carl's Email

Listen to All Your Favorite BiggerPockets Podcasts in One Place

Apply to Be a Guest on The Money Show

Podcast Talent Search!

Subscribe to The “On The Market” YouTube Channel

Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets

Check Out Mindy’s 2022 Live Spending Tracker and Budget

Finance Friday: My Home Renovation Put Me in a HELOC Hole




Click here to check the full show notes: https://www.biggerpockets.com/blog/money-376




Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Check out our sponsor page!]]></description>
	<itunes:subtitle><![CDATA[Margin loans could be the sneakiest way to snag a low-interest rate loan in today’s Fed-influenced environment. What most investors don’t know is that you can use your stock portfolio as collateral to get massively discounted lending, but it comes with c]]></itunes:subtitle>
	<content:encoded><![CDATA[Margin loans could be the sneakiest way to snag a low-interest rate loan in today’s Fed-influenced environment. What most investors don’t know is that you can use your stock portfolio as collateral to get massively discounted lending, but it comes with considerable risk. Carl and Mindy Jensen used this type of lending to buy their most recent real estate purchase, a medium-term rental renovation project in the same neighborhood as their primary residence.

At the time, Carl could get an interest rate so attractive that it was almost impossible to pass up. We’re talking about mortgage-sized loans with less than 2% interest! This seemed like a steal at the time, but as the market started to tank and big tech stocks like Tesla took a tumble, Carl and Mindy’s margin loan began getting hit. They faced a tough decision: either get liquidated and lose much of their stock portfolio or come up with the difference themselves.

In this episode, you’ll hear exactly how Carl and Mindy grew their stock portfolio to multiple millions in worth, the mistakes they made along the way, why they took out a margin loan, and whether or not they’d do it again. If you’ve got a sizable stock portfolio but don’t know how to get funding for your real estate deal, stick around! Margin loans could be an option for you, but you’ll need to know how to work them first.




In This Episode We Cover

Margin loans explained and the risk that comes with a low-interest rate loan 

Investing in tech stocks and whether or not they’re worth it now that stock valuations are down

Index fund investing and why single stock-picking may be riskier than you think

What getting a “margin call” means, and what to do when your stock values drop

HELOCs (home equity lines of credit) and using them as a safety net for paying off debt

Carl and Mindy’s new medium-term rental and whether the headache was worth the new house

And So Much More!




Links from the Show

Find an Investor-Friendly Real Estate Agent

BiggerPockets Money Facebook Group

BiggerPockets Forums

Finance Review Guest Onboarding

Mindy's Twitter

Mile High FI Podcast

1,500 Days to Freedom

Carl's Email

Listen to All Your Favorite BiggerPockets Podcasts in One Place

Apply to Be a Guest on The Money Show

Podcast Talent Search!

Subscribe to The “On The Market” YouTube Channel

Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets

Check Out Mindy’s 2022 Live Spending Tracker and Budget

Finance Friday: My Home Renovation Put Me in a HELOC Hole




Click here to check the full show notes: https://www.biggerpockets.com/blog/money-376




Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Check out our sponsor page!]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC8715545246.mp3" length="43519334" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[Margin loans could be the sneakiest way to snag a low-interest rate loan in today’s Fed-influenced environment. What most investors don’t know is that you can use your stock portfolio as collateral to get massively discounted lending, but it comes with considerable risk. Carl and Mindy Jensen used this type of lending to buy their most recent real estate purchase, a medium-term rental renovation project in the same neighborhood as their primary residence.

At the time, Carl could get an interest rate so attractive that it was almost impossible to pass up. We’re talking about mortgage-sized loans with less than 2% interest! This seemed like a steal at the time, but as the market started to tank and big tech stocks like Tesla took a tumble, Carl and Mindy’s margin loan began getting hit. They faced a tough decision: either get liquidated and lose much of their stock portfolio or come up with the difference themselves.

In this episode, you’ll hear exactly how Carl and Mindy grew their stock portfolio to multiple millions in worth, the mistakes they made along the way, why they took out a margin loan, and whether or not they’d do it again. If you’ve got a sizable stock portfolio but don’t know how to get funding for your real estate deal, stick around! Margin loans could be an option for you, but you’ll need to know how to work them first.




In This Episode We Cover

Margin loans explained and the risk that comes with a low-interest rate loan 

Investing in tech stocks and whether or not they’re worth it now that stock valuations are down

Index fund investing and why single stock-picking may be riskier than you think

What getting a “margin call” means, and what to do when your stock values drop

HELOCs (home equity lines of credit) and using them as a safety net for paying off debt

Carl and Mindy’s new medium-term rental and whether the headache was worth the new house

And So Much More!




Links from the Show

Find an Investor-Friendly Real Estate Agent

BiggerPockets Money Facebook Group

BiggerPockets Forums

Finance Review Guest Onboarding

Mindy's Twitter

Mile High FI Podcast

1,500 Days to Freedom

Carl's Email

Listen to All Your Favorite BiggerPockets Podcasts in One Place

Apply to Be a Guest on The Money Show

Podcast Talent Search!

Subscribe to The “On The Market” YouTube Channel

Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets

Check Out Mindy’s 2022 Live Spending Tracker and Budget

Finance Friday: My Home Renovation Put Me in a HELOC Hole




Click here to check the full show notes: https://www.biggerpockets.com/blog/money-376




Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Check out our sponsor page!]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[Margin loans could be the sneakiest way to snag a low-interest rate loan in today’s Fed-influenced environment. What most investors don’t know is that you can use your stock portfolio as collateral to get massively discounted lending, but it comes with considerable risk. Carl and Mindy Jensen used this type of lending to buy their most recent real estate purchase, a medium-term rental renovation project in the same neighborhood as their primary residence.

At the time, Carl could get an interest rate so attractive that it was almost impossible to pass up. We’re talking about mortgage-sized loans with less than 2% interest! This seemed like a steal at the time, but as the market started to tank and big tech stocks like Tesla took a tumble, Carl and Mindy’s margin loan began getting hit. They faced a tough decision: either get liquidated and lose much of their stock portfolio or come up with the difference themselves.

In this episode, you’ll hear exactly how Carl and Mindy grew their s]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>375: FTX, Fraud, and the Case for Cryptocurrency in 2023</title>
	<link>https://biggerpocketsmoney.com/podcast/375-ftx-fraud-and-the-case-for-cryptocurrency-in-2023/</link>
	<pubDate>Wed, 18 Jan 2023 07:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">gid://art19-episode-locator/V0/C_P12O_3APHjQhdULHG_CDQhONsSiHW5fY39u6bu9t0</guid>
	<description><![CDATA[Cryptocurrency is dead in the mind of most investors. What started as an awe-inspiring investment reaching massive multiples in just months, quickly became a subject of contention within the investing community. Some moretraditional investors called cryptocurrency an outright fraud, while others claimed it was the final puzzle piece in the battle for a stable fiat currency. Now, with many crypto prices down, is there any reason to invest?

For long-time listeners of the BiggerPockets Money Podcast, you’ll know that hosts Scott and Mindy don’t have a terribly favorable view of cryptocurrency. Not because they think it’s illegitimate, but because of its massive volatility that has borderline bankrupted many inexperienced investors. We wanted a deeper insight into why cryptocurrency could be worth investing in, so we brought Laura Shin onto the show.

Laura is host of the Unchained podcast, where she updates the crypto community on the latest news stories, price action, and more. Laura is an agnostic crypto investor with a level-headed view of the benefits and risks of investing in this volatile asset. She gives us a masterclass on the current state of cryptocurrency, the history of Bitcoin, why assets like Ethereum may be more valuable, and why exchanges like FTX are not to be trusted.




In This Episode We Cover

The history of cryptocurrency and how Bitcoin started a worldwide craze

Ethereum vs. Bitcoin and why “ultra-sound” money could beat the rest

The “crypto winter” and whether or not now is a buying opportunity for investors

Money crypto vs. tech crypto and why there may be more than one coin left standing

FTX, fraud, and how crypto exchanges can lose your coins, and the best way to protect yourself

And So Much More!




Links from the Show

BiggerPockets Money Facebook Group

BiggerPockets Forums

Finance Review Guest Onboarding

Scott's Instagram

Mindy's Twitter

Listen to All Your Favorite BiggerPockets Podcasts in One Place

Apply to Be a Guest on The Money Show

Podcast Talent Search!

Subscribe to The “On The Market” YouTube Channel

Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets

Check Out Mindy’s 2022 Live Spending Tracker and Budget

Finance Friday: First Down Market? Here’s How to Stop Stressing

Unchained podcast

Bitcoin: Investing Fad or Final Bullet to Fiat Currency?




Click here to check the full show notes: https://www.biggerpockets.com/blog/money-375




Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Check out our sponsor page!]]></description>
	<itunes:subtitle><![CDATA[Cryptocurrency is dead in the mind of most investors. What started as an awe-inspiring investment reaching massive multiples in just months, quickly became a subject of contention within the investing community. Some moretraditional investors called cryp]]></itunes:subtitle>
	<content:encoded><![CDATA[Cryptocurrency is dead in the mind of most investors. What started as an awe-inspiring investment reaching massive multiples in just months, quickly became a subject of contention within the investing community. Some moretraditional investors called cryptocurrency an outright fraud, while others claimed it was the final puzzle piece in the battle for a stable fiat currency. Now, with many crypto prices down, is there any reason to invest?

For long-time listeners of the BiggerPockets Money Podcast, you’ll know that hosts Scott and Mindy don’t have a terribly favorable view of cryptocurrency. Not because they think it’s illegitimate, but because of its massive volatility that has borderline bankrupted many inexperienced investors. We wanted a deeper insight into why cryptocurrency could be worth investing in, so we brought Laura Shin onto the show.

Laura is host of the Unchained podcast, where she updates the crypto community on the latest news stories, price action, and more. Laura is an agnostic crypto investor with a level-headed view of the benefits and risks of investing in this volatile asset. She gives us a masterclass on the current state of cryptocurrency, the history of Bitcoin, why assets like Ethereum may be more valuable, and why exchanges like FTX are not to be trusted.




In This Episode We Cover

The history of cryptocurrency and how Bitcoin started a worldwide craze

Ethereum vs. Bitcoin and why “ultra-sound” money could beat the rest

The “crypto winter” and whether or not now is a buying opportunity for investors

Money crypto vs. tech crypto and why there may be more than one coin left standing

FTX, fraud, and how crypto exchanges can lose your coins, and the best way to protect yourself

And So Much More!




Links from the Show

BiggerPockets Money Facebook Group

BiggerPockets Forums

Finance Review Guest Onboarding

Scott's Instagram

Mindy's Twitter

Listen to All Your Favorite BiggerPockets Podcasts in One Place

Apply to Be a Guest on The Money Show

Podcast Talent Search!

Subscribe to The “On The Market” YouTube Channel

Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets

Check Out Mindy’s 2022 Live Spending Tracker and Budget

Finance Friday: First Down Market? Here’s How to Stop Stressing

Unchained podcast

Bitcoin: Investing Fad or Final Bullet to Fiat Currency?




Click here to check the full show notes: https://www.biggerpockets.com/blog/money-375




Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Check out our sponsor page!]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC9740002284.mp3" length="58716361" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[Cryptocurrency is dead in the mind of most investors. What started as an awe-inspiring investment reaching massive multiples in just months, quickly became a subject of contention within the investing community. Some moretraditional investors called cryptocurrency an outright fraud, while others claimed it was the final puzzle piece in the battle for a stable fiat currency. Now, with many crypto prices down, is there any reason to invest?

For long-time listeners of the BiggerPockets Money Podcast, you’ll know that hosts Scott and Mindy don’t have a terribly favorable view of cryptocurrency. Not because they think it’s illegitimate, but because of its massive volatility that has borderline bankrupted many inexperienced investors. We wanted a deeper insight into why cryptocurrency could be worth investing in, so we brought Laura Shin onto the show.

Laura is host of the Unchained podcast, where she updates the crypto community on the latest news stories, price action, and more. Laura is an agnostic crypto investor with a level-headed view of the benefits and risks of investing in this volatile asset. She gives us a masterclass on the current state of cryptocurrency, the history of Bitcoin, why assets like Ethereum may be more valuable, and why exchanges like FTX are not to be trusted.




In This Episode We Cover

The history of cryptocurrency and how Bitcoin started a worldwide craze

Ethereum vs. Bitcoin and why “ultra-sound” money could beat the rest

The “crypto winter” and whether or not now is a buying opportunity for investors

Money crypto vs. tech crypto and why there may be more than one coin left standing

FTX, fraud, and how crypto exchanges can lose your coins, and the best way to protect yourself

And So Much More!




Links from the Show

BiggerPockets Money Facebook Group

BiggerPockets Forums

Finance Review Guest Onboarding

Scott's Instagram

Mindy's Twitter

Listen to All Your Favorite BiggerPockets Podcasts in One Place

Apply to Be a Guest on The Money Show

Podcast Talent Search!

Subscribe to The “On The Market” YouTube Channel

Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets

Check Out Mindy’s 2022 Live Spending Tracker and Budget

Finance Friday: First Down Market? Here’s How to Stop Stressing

Unchained podcast

Bitcoin: Investing Fad or Final Bullet to Fiat Currency?




Click here to check the full show notes: https://www.biggerpockets.com/blog/money-375




Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Check out our sponsor page!]]></itunes:summary>
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	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[Cryptocurrency is dead in the mind of most investors. What started as an awe-inspiring investment reaching massive multiples in just months, quickly became a subject of contention within the investing community. Some moretraditional investors called cryptocurrency an outright fraud, while others claimed it was the final puzzle piece in the battle for a stable fiat currency. Now, with many crypto prices down, is there any reason to invest?

For long-time listeners of the BiggerPockets Money Podcast, you’ll know that hosts Scott and Mindy don’t have a terribly favorable view of cryptocurrency. Not because they think it’s illegitimate, but because of its massive volatility that has borderline bankrupted many inexperienced investors. We wanted a deeper insight into why cryptocurrency could be worth investing in, so we brought Laura Shin onto the show.

Laura is host of the Unchained podcast, where she updates the crypto community on the latest news stories, price action, and more. Laura i]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>374: Private Equity: Passive, Profitable Investments You’ve Probably Never Heard Of</title>
	<link>https://biggerpocketsmoney.com/podcast/374-private-equity-passive-profitable-investments-youve-probably-never-heard-of/</link>
	<pubDate>Mon, 16 Jan 2023 07:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">gid://art19-episode-locator/V0/7ANTQ3-Tl_kDj941UpaVzcVcw9DAvF6moSyWAZj4osQ</guid>
	<description><![CDATA[Private equity is a term often left undefined. Ask most people if they’ve heard of private equity, and they’ll say yes. But ask them to explain what it is or how it works, and most Americans will struggle to come up with even a sentence. The industry of private equity investing is shrouded in mystery, but it probably shouldn’t be. If you know what private equity is and how to invest in it, you could take home passive income that beats the stock market and real estate investing with none of the headaches or short-term panic of either.

This simple-to-understand but constantly overcomplicated industry could make you better returns, with far less work, investing in businesses you already know and trust. This is precisely what Sachin Khajuria’s book, Two and Twenty: How the Masters of Private Equity Always Win, is all about. As a former partner at one of the world’s largest alternative asset firms with over two decades of experience, Sachin can explain the ins and outs of private equity better than anyone.

Sachin will demystify the often shadowy world of private equity in this episode. He explains why it’s such a lucrative business and how it’s coming close to matching the same firepower as the public markets many of us invest in. With potential returns far higher than traditional assets, Sachin makes a strong case for why you should be looking into private equity now before the masses find out about it and flood the market.




In This Episode We Cover

Private equity explained and the simple yet highly profitable business model behind it

The two and twenty rule and why private equity firms are designed to maximize your money

Private equity returns and whether or not the high profits are worth the long time horizon

The “unloved” businesses that have seen massive growth thanks to private equity

Rising interest rates and how this could affect the value of private equity investments

The businesses you already buy from that are owned by private equity

How to find and invest in private equity even if you’re not a mega-millionaire

And So Much More!




Links from the Show

Find an Investor-Friendly Real Estate Agent

BiggerPockets Money Facebook Group

BiggerPockets Forums

Finance Review Guest Onboarding

Scott's Instagram

Mindy's Twitter

Listen to All Your Favorite BiggerPockets Podcasts in One Place

Apply to Be a Guest on The Money Show

Podcast Talent Search!

Subscribe to The “On The Market” YouTube Channel

Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets

Check Out Mindy’s 2022 Live Spending Tracker and Budget




Click here to check the full show notes: https://www.biggerpockets.com/blog/money-374




Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Check out our sponsor page!

 ]]></description>
	<itunes:subtitle><![CDATA[Private equity is a term often left undefined. Ask most people if they’ve heard of private equity, and they’ll say yes. But ask them to explain what it is or how it works, and most Americans will struggle to come up with even a sentence. The industry of ]]></itunes:subtitle>
	<content:encoded><![CDATA[Private equity is a term often left undefined. Ask most people if they’ve heard of private equity, and they’ll say yes. But ask them to explain what it is or how it works, and most Americans will struggle to come up with even a sentence. The industry of private equity investing is shrouded in mystery, but it probably shouldn’t be. If you know what private equity is and how to invest in it, you could take home passive income that beats the stock market and real estate investing with none of the headaches or short-term panic of either.

This simple-to-understand but constantly overcomplicated industry could make you better returns, with far less work, investing in businesses you already know and trust. This is precisely what Sachin Khajuria’s book, Two and Twenty: How the Masters of Private Equity Always Win, is all about. As a former partner at one of the world’s largest alternative asset firms with over two decades of experience, Sachin can explain the ins and outs of private equity better than anyone.

Sachin will demystify the often shadowy world of private equity in this episode. He explains why it’s such a lucrative business and how it’s coming close to matching the same firepower as the public markets many of us invest in. With potential returns far higher than traditional assets, Sachin makes a strong case for why you should be looking into private equity now before the masses find out about it and flood the market.




In This Episode We Cover

Private equity explained and the simple yet highly profitable business model behind it

The two and twenty rule and why private equity firms are designed to maximize your money

Private equity returns and whether or not the high profits are worth the long time horizon

The “unloved” businesses that have seen massive growth thanks to private equity

Rising interest rates and how this could affect the value of private equity investments

The businesses you already buy from that are owned by private equity

How to find and invest in private equity even if you’re not a mega-millionaire

And So Much More!




Links from the Show

Find an Investor-Friendly Real Estate Agent

BiggerPockets Money Facebook Group

BiggerPockets Forums

Finance Review Guest Onboarding

Scott's Instagram

Mindy's Twitter

Listen to All Your Favorite BiggerPockets Podcasts in One Place

Apply to Be a Guest on The Money Show

Podcast Talent Search!

Subscribe to The “On The Market” YouTube Channel

Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets

Check Out Mindy’s 2022 Live Spending Tracker and Budget




Click here to check the full show notes: https://www.biggerpockets.com/blog/money-374




Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Check out our sponsor page!

 ]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC3744040096.mp3" length="57393749" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[Private equity is a term often left undefined. Ask most people if they’ve heard of private equity, and they’ll say yes. But ask them to explain what it is or how it works, and most Americans will struggle to come up with even a sentence. The industry of private equity investing is shrouded in mystery, but it probably shouldn’t be. If you know what private equity is and how to invest in it, you could take home passive income that beats the stock market and real estate investing with none of the headaches or short-term panic of either.

This simple-to-understand but constantly overcomplicated industry could make you better returns, with far less work, investing in businesses you already know and trust. This is precisely what Sachin Khajuria’s book, Two and Twenty: How the Masters of Private Equity Always Win, is all about. As a former partner at one of the world’s largest alternative asset firms with over two decades of experience, Sachin can explain the ins and outs of private equity better than anyone.

Sachin will demystify the often shadowy world of private equity in this episode. He explains why it’s such a lucrative business and how it’s coming close to matching the same firepower as the public markets many of us invest in. With potential returns far higher than traditional assets, Sachin makes a strong case for why you should be looking into private equity now before the masses find out about it and flood the market.




In This Episode We Cover

Private equity explained and the simple yet highly profitable business model behind it

The two and twenty rule and why private equity firms are designed to maximize your money

Private equity returns and whether or not the high profits are worth the long time horizon

The “unloved” businesses that have seen massive growth thanks to private equity

Rising interest rates and how this could affect the value of private equity investments

The businesses you already buy from that are owned by private equity

How to find and invest in private equity even if you’re not a mega-millionaire

And So Much More!




Links from the Show

Find an Investor-Friendly Real Estate Agent

BiggerPockets Money Facebook Group

BiggerPockets Forums

Finance Review Guest Onboarding

Scott's Instagram

Mindy's Twitter

Listen to All Your Favorite BiggerPockets Podcasts in One Place

Apply to Be a Guest on The Money Show

Podcast Talent Search!

Subscribe to The “On The Market” YouTube Channel

Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets

Check Out Mindy’s 2022 Live Spending Tracker and Budget




Click here to check the full show notes: https://www.biggerpockets.com/blog/money-374




Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Check out our sponsor page!

 ]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[Private equity is a term often left undefined. Ask most people if they’ve heard of private equity, and they’ll say yes. But ask them to explain what it is or how it works, and most Americans will struggle to come up with even a sentence. The industry of private equity investing is shrouded in mystery, but it probably shouldn’t be. If you know what private equity is and how to invest in it, you could take home passive income that beats the stock market and real estate investing with none of the headaches or short-term panic of either.

This simple-to-understand but constantly overcomplicated industry could make you better returns, with far less work, investing in businesses you already know and trust. This is precisely what Sachin Khajuria’s book, Two and Twenty: How the Masters of Private Equity Always Win, is all about. As a former partner at one of the world’s largest alternative asset firms with over two decades of experience, Sachin can explain the ins and outs of private equity b]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>373: The Money Show’s Guide to Personal Finance for Beginners</title>
	<link>https://biggerpocketsmoney.com/podcast/373-the-money-shows-guide-to-personal-finance-for-beginners/</link>
	<pubDate>Fri, 13 Jan 2023 07:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">gid://art19-episode-locator/V0/kyK7Xbs7f2X3A_OOPEyalxgYW5qGgqKAASypLNLrPj8</guid>
	<description><![CDATA[Mastering personal finance is one of the most important things anyone can do. If you know where your money is coming from, where it’s going, and how to make more of it, you can retire comfortably, retire early, or have less financial anxiety at the end of the day. But, the world of personal finance can be complicated for beginners. With so many spreadsheets, calculators, money methods, and mistakes to avoid, where does someone just getting started go to understand the basics?

We brought Scott and Mindy, our two masters of money, on for a solo show where they walk through some of the top tips in personal finance. They’ll touch on budgeting, saving, and expense tracking so you can know the ins and outs of your finances with far less effort than ever before. You’ll also hear about the different methods for paying off debt, good debt vs. bad debt explained, and the right way to think about interest rates. Finally, Scott and Mindy will go over investments, when the right time to invest is, how to prioritize what to invest in, and when you’re ready to invest in real estate.

No matter where you’re at on the personal finance spectrum, investing or not, debt-free or full of debt, this episode can help you prioritize the dollars and cents in your life so you can reach financial freedom faster. And if you still don’t know where to start, stick around, as this episode is chock full of links to debt payoff methods, investment plans, budgeting examples, and more to help you on your journey!




In This Episode We Cover

Personal expenses vs. business expenses and why you should never mix the two

Expenses explained and what does (and definitely does NOT) count in your budget

The two skills every investor or business owner needs to succeed

The different ways to pay off debt and how to know whether your interest rate is too high

Good debt vs. bad debt and why many investors are choosing to hold on to low-interest loans

The right and wrong way to use a HELOC (home equity line of credit) when investing in real estate

How to prioritize your investments and building a personalized investment plan that will help you build wealth

And So Much More!




Links from the Show

Find an Investor-Friendly Real Estate Agent

BiggerPockets Money Facebook Group

BiggerPockets Forums

Finance Review Guest Onboarding

Scott's Instagram

Mindy's Twitter

Listen to All Your Favorite BiggerPockets Podcasts in One Place

Apply to Be a Guest on The Money Show

Podcast Talent Search!

Subscribe to The “On The Market” YouTube Channel

Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets

Check Out Mindy’s 2022 Live Spending Tracker and Budget

Finance Friday: My Home Renovation Put Me in a HELOC Hole

The Money Date: What You Should (And Definitely Should Not) Do to Align Your Finances as a Couple

Finance Friday: Got Extra Cash? Here’s the Investment Plan for You

Scott Trench’s Step-by-Step Guide to Building Your Perfect, 1-Page Investment Plan

Rookie Podcast Episode 200: Scott Trench’s 10-Step Checklist to Buy Your First Rental Property

Rookie Readiness Checklist

Scott Trench's Investment Investment Philosophy Worksheet




Click here to check the full show notes: https://www.biggerpockets.com/blog/money-373




Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Check out our sponsor page!]]></description>
	<itunes:subtitle><![CDATA[Mastering personal finance is one of the most important things anyone can do. If you know where your money is coming from, where it’s going, and how to make more of it, you can retire comfortably, retire early, or have less financial anxiety at the end o]]></itunes:subtitle>
	<content:encoded><![CDATA[Mastering personal finance is one of the most important things anyone can do. If you know where your money is coming from, where it’s going, and how to make more of it, you can retire comfortably, retire early, or have less financial anxiety at the end of the day. But, the world of personal finance can be complicated for beginners. With so many spreadsheets, calculators, money methods, and mistakes to avoid, where does someone just getting started go to understand the basics?

We brought Scott and Mindy, our two masters of money, on for a solo show where they walk through some of the top tips in personal finance. They’ll touch on budgeting, saving, and expense tracking so you can know the ins and outs of your finances with far less effort than ever before. You’ll also hear about the different methods for paying off debt, good debt vs. bad debt explained, and the right way to think about interest rates. Finally, Scott and Mindy will go over investments, when the right time to invest is, how to prioritize what to invest in, and when you’re ready to invest in real estate.

No matter where you’re at on the personal finance spectrum, investing or not, debt-free or full of debt, this episode can help you prioritize the dollars and cents in your life so you can reach financial freedom faster. And if you still don’t know where to start, stick around, as this episode is chock full of links to debt payoff methods, investment plans, budgeting examples, and more to help you on your journey!




In This Episode We Cover

Personal expenses vs. business expenses and why you should never mix the two

Expenses explained and what does (and definitely does NOT) count in your budget

The two skills every investor or business owner needs to succeed

The different ways to pay off debt and how to know whether your interest rate is too high

Good debt vs. bad debt and why many investors are choosing to hold on to low-interest loans

The right and wrong way to use a HELOC (home equity line of credit) when investing in real estate

How to prioritize your investments and building a personalized investment plan that will help you build wealth

And So Much More!




Links from the Show

Find an Investor-Friendly Real Estate Agent

BiggerPockets Money Facebook Group

BiggerPockets Forums

Finance Review Guest Onboarding

Scott's Instagram

Mindy's Twitter

Listen to All Your Favorite BiggerPockets Podcasts in One Place

Apply to Be a Guest on The Money Show

Podcast Talent Search!

Subscribe to The “On The Market” YouTube Channel

Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets

Check Out Mindy’s 2022 Live Spending Tracker and Budget

Finance Friday: My Home Renovation Put Me in a HELOC Hole

The Money Date: What You Should (And Definitely Should Not) Do to Align Your Finances as a Couple

Finance Friday: Got Extra Cash? Here’s the Investment Plan for You

Scott Trench’s Step-by-Step Guide to Building Your Perfect, 1-Page Investment Plan

Rookie Podcast Episode 200: Scott Trench’s 10-Step Checklist to Buy Your First Rental Property

Rookie Readiness Checklist

Scott Trench's Investment Investment Philosophy Worksheet




Click here to check the full show notes: https://www.biggerpockets.com/blog/money-373




Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Check out our sponsor page!]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC1693835623.mp3" length="46870061" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[Mastering personal finance is one of the most important things anyone can do. If you know where your money is coming from, where it’s going, and how to make more of it, you can retire comfortably, retire early, or have less financial anxiety at the end of the day. But, the world of personal finance can be complicated for beginners. With so many spreadsheets, calculators, money methods, and mistakes to avoid, where does someone just getting started go to understand the basics?

We brought Scott and Mindy, our two masters of money, on for a solo show where they walk through some of the top tips in personal finance. They’ll touch on budgeting, saving, and expense tracking so you can know the ins and outs of your finances with far less effort than ever before. You’ll also hear about the different methods for paying off debt, good debt vs. bad debt explained, and the right way to think about interest rates. Finally, Scott and Mindy will go over investments, when the right time to invest is, how to prioritize what to invest in, and when you’re ready to invest in real estate.

No matter where you’re at on the personal finance spectrum, investing or not, debt-free or full of debt, this episode can help you prioritize the dollars and cents in your life so you can reach financial freedom faster. And if you still don’t know where to start, stick around, as this episode is chock full of links to debt payoff methods, investment plans, budgeting examples, and more to help you on your journey!




In This Episode We Cover

Personal expenses vs. business expenses and why you should never mix the two

Expenses explained and what does (and definitely does NOT) count in your budget

The two skills every investor or business owner needs to succeed

The different ways to pay off debt and how to know whether your interest rate is too high

Good debt vs. bad debt and why many investors are choosing to hold on to low-interest loans

The right and wrong way to use a HELOC (home equity line of credit) when investing in real estate

How to prioritize your investments and building a personalized investment plan that will help you build wealth

And So Much More!




Links from the Show

Find an Investor-Friendly Real Estate Agent

BiggerPockets Money Facebook Group

BiggerPockets Forums

Finance Review Guest Onboarding

Scott's Instagram

Mindy's Twitter

Listen to All Your Favorite BiggerPockets Podcasts in One Place

Apply to Be a Guest on The Money Show

Podcast Talent Search!

Subscribe to The “On The Market” YouTube Channel

Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets

Check Out Mindy’s 2022 Live Spending Tracker and Budget

Finance Friday: My Home Renovation Put Me in a HELOC Hole

The Money Date: What You Should (And Definitely Should Not) Do to Align Your Finances as a Couple

Finance Friday: Got Extra Cash? Here’s the Investment Plan for You

Scott Trench’s Step-by-Step Guide to Building Your Perfect, 1-Page Investment Plan

Rookie Podcast Episode 200: Scott Trench’s 10-Step Checklist to Buy Your First Rental Property

Rookie Readiness Checklist

Scott Trench's Investment Investment Philosophy Worksheet




Click here to check the full show notes: https://www.biggerpockets.com/blog/money-373




Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Check out our sponsor page!]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[Mastering personal finance is one of the most important things anyone can do. If you know where your money is coming from, where it’s going, and how to make more of it, you can retire comfortably, retire early, or have less financial anxiety at the end of the day. But, the world of personal finance can be complicated for beginners. With so many spreadsheets, calculators, money methods, and mistakes to avoid, where does someone just getting started go to understand the basics?

We brought Scott and Mindy, our two masters of money, on for a solo show where they walk through some of the top tips in personal finance. They’ll touch on budgeting, saving, and expense tracking so you can know the ins and outs of your finances with far less effort than ever before. You’ll also hear about the different methods for paying off debt, good debt vs. bad debt explained, and the right way to think about interest rates. Finally, Scott and Mindy will go over investments, when the right time to invest is]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>372: Franchises 101: How to Find, Fund, and Profit from Owning a Franchise</title>
	<link>https://biggerpocketsmoney.com/podcast/372-franchises-101-how-to-find-fund-and-profit-from-owning-a-franchise/</link>
	<pubDate>Wed, 11 Jan 2023 07:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">gid://art19-episode-locator/V0/uDg28IY4j8s0eHlnC88Cf70YRimOONrF23GZWppLr9o</guid>
	<description><![CDATA[Want to buy a business? If so, you’ll need franchises explained. At first, franchises seem like something only for fast food, gas stations, or hotel chains. But, in reality, a whole world of businesses are up for sale that have proven track records and could put profits into your pocket faster than starting your own business. But first, you’ll need to make sure you’re ready to own and run a franchise, as it’s not always the passive income stream investors believe it to be.

When done right, franchises offer an almost irresistible offer to young entrepreneurs or those trying to escape the corporate ladder. You can trade in your soul-sucking nine-to-five, receive top-tier support and training, and get paid a salary, all while your business grows in the background. But before you start window shopping for which hair salon, water restoration, or pool cleaning business you want to own, you’ll need to talk to someone like Greg Mohr, author of Real Freedom: Why Franchises Are Worth Considering and How They Can Be Used For Building Wealth. 

Greg acts as a franchise consultant, helping match potential franchisees to a parent company that works best for their schedule, goals, and income-earning potential. You may think you know how a franchise works, what type you’d like to buy, and how much money you would make, but Greg’s in-depth, multiple-decade-long knowledge may tell you otherwise. So, if you want to run a business but don’t know where to start, Greg may be the perfect person to turn to.




In This Episode We Cover

The history of franchises and why buying a business often beats building one

The true profits of running a franchise and how much an owner can expect to make

How much franchise consultants cost (much less than you’d think), and why you need one

Most common franchise mistakes to avoid and why you should never look at JUST the franchise fee

Funding a franchise and how to use retirement accounts, HELOCs, and more to buy businesses

Business partnerships and who should join forces to buy a franchise together

And So Much More!




Links from the Show

BiggerPockets Money Facebook Group

BiggerPockets Forums

Finance Review Guest Onboarding

Scott's Instagram

Mindy's Twitter

Listen to All Your Favorite BiggerPockets Podcasts in One Place

Apply to Be a Guest on The Money Show

Podcast Talent Search!

Subscribe to The “On The Market” YouTube Channel

Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets

Check Out Mindy’s 2022 Live Spending Tracker and Budget

The Benefits of Franchising vs. Starting a Business from Scratch




Click here to check the full show notes: https://www.biggerpockets.com/blog/money-372




Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Check out our sponsor page!]]></description>
	<itunes:subtitle><![CDATA[Want to buy a business? If so, you’ll need franchises explained. At first, franchises seem like something only for fast food, gas stations, or hotel chains. But, in reality, a whole world of businesses are up for sale that have proven track records and c]]></itunes:subtitle>
	<content:encoded><![CDATA[Want to buy a business? If so, you’ll need franchises explained. At first, franchises seem like something only for fast food, gas stations, or hotel chains. But, in reality, a whole world of businesses are up for sale that have proven track records and could put profits into your pocket faster than starting your own business. But first, you’ll need to make sure you’re ready to own and run a franchise, as it’s not always the passive income stream investors believe it to be.

When done right, franchises offer an almost irresistible offer to young entrepreneurs or those trying to escape the corporate ladder. You can trade in your soul-sucking nine-to-five, receive top-tier support and training, and get paid a salary, all while your business grows in the background. But before you start window shopping for which hair salon, water restoration, or pool cleaning business you want to own, you’ll need to talk to someone like Greg Mohr, author of Real Freedom: Why Franchises Are Worth Considering and How They Can Be Used For Building Wealth. 

Greg acts as a franchise consultant, helping match potential franchisees to a parent company that works best for their schedule, goals, and income-earning potential. You may think you know how a franchise works, what type you’d like to buy, and how much money you would make, but Greg’s in-depth, multiple-decade-long knowledge may tell you otherwise. So, if you want to run a business but don’t know where to start, Greg may be the perfect person to turn to.




In This Episode We Cover

The history of franchises and why buying a business often beats building one

The true profits of running a franchise and how much an owner can expect to make

How much franchise consultants cost (much less than you’d think), and why you need one

Most common franchise mistakes to avoid and why you should never look at JUST the franchise fee

Funding a franchise and how to use retirement accounts, HELOCs, and more to buy businesses

Business partnerships and who should join forces to buy a franchise together

And So Much More!




Links from the Show

BiggerPockets Money Facebook Group

BiggerPockets Forums

Finance Review Guest Onboarding

Scott's Instagram

Mindy's Twitter

Listen to All Your Favorite BiggerPockets Podcasts in One Place

Apply to Be a Guest on The Money Show

Podcast Talent Search!

Subscribe to The “On The Market” YouTube Channel

Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets

Check Out Mindy’s 2022 Live Spending Tracker and Budget

The Benefits of Franchising vs. Starting a Business from Scratch




Click here to check the full show notes: https://www.biggerpockets.com/blog/money-372




Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Check out our sponsor page!]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC8921276803.mp3" length="61600025" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[Want to buy a business? If so, you’ll need franchises explained. At first, franchises seem like something only for fast food, gas stations, or hotel chains. But, in reality, a whole world of businesses are up for sale that have proven track records and could put profits into your pocket faster than starting your own business. But first, you’ll need to make sure you’re ready to own and run a franchise, as it’s not always the passive income stream investors believe it to be.

When done right, franchises offer an almost irresistible offer to young entrepreneurs or those trying to escape the corporate ladder. You can trade in your soul-sucking nine-to-five, receive top-tier support and training, and get paid a salary, all while your business grows in the background. But before you start window shopping for which hair salon, water restoration, or pool cleaning business you want to own, you’ll need to talk to someone like Greg Mohr, author of Real Freedom: Why Franchises Are Worth Considering and How They Can Be Used For Building Wealth. 

Greg acts as a franchise consultant, helping match potential franchisees to a parent company that works best for their schedule, goals, and income-earning potential. You may think you know how a franchise works, what type you’d like to buy, and how much money you would make, but Greg’s in-depth, multiple-decade-long knowledge may tell you otherwise. So, if you want to run a business but don’t know where to start, Greg may be the perfect person to turn to.




In This Episode We Cover

The history of franchises and why buying a business often beats building one

The true profits of running a franchise and how much an owner can expect to make

How much franchise consultants cost (much less than you’d think), and why you need one

Most common franchise mistakes to avoid and why you should never look at JUST the franchise fee

Funding a franchise and how to use retirement accounts, HELOCs, and more to buy businesses

Business partnerships and who should join forces to buy a franchise together

And So Much More!




Links from the Show

BiggerPockets Money Facebook Group

BiggerPockets Forums

Finance Review Guest Onboarding

Scott's Instagram

Mindy's Twitter

Listen to All Your Favorite BiggerPockets Podcasts in One Place

Apply to Be a Guest on The Money Show

Podcast Talent Search!

Subscribe to The “On The Market” YouTube Channel

Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets

Check Out Mindy’s 2022 Live Spending Tracker and Budget

The Benefits of Franchising vs. Starting a Business from Scratch




Click here to check the full show notes: https://www.biggerpockets.com/blog/money-372




Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Check out our sponsor page!]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[Want to buy a business? If so, you’ll need franchises explained. At first, franchises seem like something only for fast food, gas stations, or hotel chains. But, in reality, a whole world of businesses are up for sale that have proven track records and could put profits into your pocket faster than starting your own business. But first, you’ll need to make sure you’re ready to own and run a franchise, as it’s not always the passive income stream investors believe it to be.

When done right, franchises offer an almost irresistible offer to young entrepreneurs or those trying to escape the corporate ladder. You can trade in your soul-sucking nine-to-five, receive top-tier support and training, and get paid a salary, all while your business grows in the background. But before you start window shopping for which hair salon, water restoration, or pool cleaning business you want to own, you’ll need to talk to someone like Greg Mohr, author of Real Freedom: Why Franchises Are Worth Consideri]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>371: Bitcoin: Investing Fad or Final Bullet to Fiat Currency?</title>
	<link>https://biggerpocketsmoney.com/podcast/371-bitcoin-investing-fad-or-final-bullet-to-fiat-currency/</link>
	<pubDate>Mon, 09 Jan 2023 07:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">gid://art19-episode-locator/V0/Hh1P-4R1s2AmvN0SFrqpE5UhzXqtrhoaw-fVc7y62Gg</guid>
	<description><![CDATA[Asking for Bitcoin explained is like asking how a rocket works; it's a little complex. A digital currency is valued at a certain amount of dollars (or euros, yen, etc.) and is used to pay for goods or exchange for other currencies. That makes sense. But things can get complicated as we go deeper into Bitcoin and the blockchain. There's no need to get overwhelmed; we brought Saifedean Ammous, economist and author of The Bitcoin Standard, onto the show to explain.

Saifedean, like many investors, was skeptical of Bitcoin at first. He thought it was merely a fad that would pass away in a few years. But, after researching the history of money, the rise and fall of fiat currencies, and the standard that Bitcoin was built on, Saifedean changed his tone. Now, he's a huge proponent of this new "digital gold" and has spent years of his life warning others of fiat currency's faults and the opportunity behind Bitcoin itself.

In today's episode, Saifedean explains what Bitcoin is, how it works, why the blockchain is needed, and why saving money isn't enough in today's fiat inflationary environment. You'll also hear why "hard money" like Bitcoin beats "easy money" like the American dollar and why the latest cryptocurrency crash isn't as bad as mainstream economists think. So if you've thought of snagging a bit of Bitcoin, this is the best place to start.




In This Episode We Cover

The history of money, fiat currencies, why rare, hard money is always the most safe

The dangers of easy money, debasing currency, and the fallacy of required inflation

How Bitcoin solves the fiat problem and why it can never be inflated or over-printed

The blockchain explained and why it works for Bitcoin and not other applications like real estate

Cryptocurrency's latest crash and why fluctuating Bitcoin prices are more typical than they seem

Whether to bet on businesses, real estate, Bitcoin, or all three when investing

And So Much More!




Links from the Show

BiggerPockets Money Facebook Group

BiggerPockets Forums

Finance Review Guest Onboarding

Scott's Instagram

Mindy's Twitter

Listen to All Your Favorite BiggerPockets Podcasts in One Place

Apply to Be a Guest on The Money Show

Podcast Talent Search!

Subscribe to The “On The Market” YouTube Channel

Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets

Check Out Mindy’s 2022 Live Spending Tracker and Budget




Click here to check the full show notes: https://www.biggerpockets.com/blog/money-371




Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Check out our sponsor page!]]></description>
	<itunes:subtitle><![CDATA[Asking for Bitcoin explained is like asking how a rocket works; its a little complex. A digital currency is valued at a certain amount of dollars (or euros, yen, etc.) and is used to pay for goods or exchange for other currencies. That makes sense. But t]]></itunes:subtitle>
	<content:encoded><![CDATA[Asking for Bitcoin explained is like asking how a rocket works; it's a little complex. A digital currency is valued at a certain amount of dollars (or euros, yen, etc.) and is used to pay for goods or exchange for other currencies. That makes sense. But things can get complicated as we go deeper into Bitcoin and the blockchain. There's no need to get overwhelmed; we brought Saifedean Ammous, economist and author of The Bitcoin Standard, onto the show to explain.

Saifedean, like many investors, was skeptical of Bitcoin at first. He thought it was merely a fad that would pass away in a few years. But, after researching the history of money, the rise and fall of fiat currencies, and the standard that Bitcoin was built on, Saifedean changed his tone. Now, he's a huge proponent of this new "digital gold" and has spent years of his life warning others of fiat currency's faults and the opportunity behind Bitcoin itself.

In today's episode, Saifedean explains what Bitcoin is, how it works, why the blockchain is needed, and why saving money isn't enough in today's fiat inflationary environment. You'll also hear why "hard money" like Bitcoin beats "easy money" like the American dollar and why the latest cryptocurrency crash isn't as bad as mainstream economists think. So if you've thought of snagging a bit of Bitcoin, this is the best place to start.




In This Episode We Cover

The history of money, fiat currencies, why rare, hard money is always the most safe

The dangers of easy money, debasing currency, and the fallacy of required inflation

How Bitcoin solves the fiat problem and why it can never be inflated or over-printed

The blockchain explained and why it works for Bitcoin and not other applications like real estate

Cryptocurrency's latest crash and why fluctuating Bitcoin prices are more typical than they seem

Whether to bet on businesses, real estate, Bitcoin, or all three when investing

And So Much More!




Links from the Show

BiggerPockets Money Facebook Group

BiggerPockets Forums

Finance Review Guest Onboarding

Scott's Instagram

Mindy's Twitter

Listen to All Your Favorite BiggerPockets Podcasts in One Place

Apply to Be a Guest on The Money Show

Podcast Talent Search!

Subscribe to The “On The Market” YouTube Channel

Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets

Check Out Mindy’s 2022 Live Spending Tracker and Budget




Click here to check the full show notes: https://www.biggerpockets.com/blog/money-371




Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Check out our sponsor page!]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC1705909941.mp3" length="71486143" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[Asking for Bitcoin explained is like asking how a rocket works; it's a little complex. A digital currency is valued at a certain amount of dollars (or euros, yen, etc.) and is used to pay for goods or exchange for other currencies. That makes sense. But things can get complicated as we go deeper into Bitcoin and the blockchain. There's no need to get overwhelmed; we brought Saifedean Ammous, economist and author of The Bitcoin Standard, onto the show to explain.

Saifedean, like many investors, was skeptical of Bitcoin at first. He thought it was merely a fad that would pass away in a few years. But, after researching the history of money, the rise and fall of fiat currencies, and the standard that Bitcoin was built on, Saifedean changed his tone. Now, he's a huge proponent of this new "digital gold" and has spent years of his life warning others of fiat currency's faults and the opportunity behind Bitcoin itself.

In today's episode, Saifedean explains what Bitcoin is, how it works, why the blockchain is needed, and why saving money isn't enough in today's fiat inflationary environment. You'll also hear why "hard money" like Bitcoin beats "easy money" like the American dollar and why the latest cryptocurrency crash isn't as bad as mainstream economists think. So if you've thought of snagging a bit of Bitcoin, this is the best place to start.




In This Episode We Cover

The history of money, fiat currencies, why rare, hard money is always the most safe

The dangers of easy money, debasing currency, and the fallacy of required inflation

How Bitcoin solves the fiat problem and why it can never be inflated or over-printed

The blockchain explained and why it works for Bitcoin and not other applications like real estate

Cryptocurrency's latest crash and why fluctuating Bitcoin prices are more typical than they seem

Whether to bet on businesses, real estate, Bitcoin, or all three when investing

And So Much More!




Links from the Show

BiggerPockets Money Facebook Group

BiggerPockets Forums

Finance Review Guest Onboarding

Scott's Instagram

Mindy's Twitter

Listen to All Your Favorite BiggerPockets Podcasts in One Place

Apply to Be a Guest on The Money Show

Podcast Talent Search!

Subscribe to The “On The Market” YouTube Channel

Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets

Check Out Mindy’s 2022 Live Spending Tracker and Budget




Click here to check the full show notes: https://www.biggerpockets.com/blog/money-371




Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Check out our sponsor page!]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[Asking for Bitcoin explained is like asking how a rocket works; it's a little complex. A digital currency is valued at a certain amount of dollars (or euros, yen, etc.) and is used to pay for goods or exchange for other currencies. That makes sense. But things can get complicated as we go deeper into Bitcoin and the blockchain. There's no need to get overwhelmed; we brought Saifedean Ammous, economist and author of The Bitcoin Standard, onto the show to explain.

Saifedean, like many investors, was skeptical of Bitcoin at first. He thought it was merely a fad that would pass away in a few years. But, after researching the history of money, the rise and fall of fiat currencies, and the standard that Bitcoin was built on, Saifedean changed his tone. Now, he's a huge proponent of this new "digital gold" and has spent years of his life warning others of fiat currency's faults and the opportunity behind Bitcoin itself.

In today's episode, Saifedean explains what Bitcoin is, how it works, ]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>370: Finance Friday: How to Build a Six-Figure Business (in Your 20s!)</title>
	<link>https://biggerpocketsmoney.com/podcast/370-finance-friday-how-to-build-a-six-figure-business-in-your-20s/</link>
	<pubDate>Fri, 06 Jan 2023 07:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">gid://art19-episode-locator/V0/n0Z8sY8iWvxKSFU4C4pJFvKp-KrMiNsL3dOK5KLsVZA</guid>
	<description><![CDATA[How can a simple pressure washing business make you six figures of income a year? With a startup cost of only a couple hundred dollars, today’s guest Chris expanded his pressure washing, Christmas light-hanging, gutter-cleaning operation into a profitable business with multiple employees and a stacked schedule. But, as Chris has started to expand, he’s seen his personal profits decline, so should he outsource less so he can keep more of the revenue he’s working hard to bring in?

Welcome back to another Finance Friday episode, where we talk to Chris, a twenty-six-year-old entrepreneur learning to navigate profits, payroll, customer acquisition, and more in his pressure washing business. Chris found an interesting niche to serve; older communities in his home state of California. He’s been able to build a brand, grow his business, and have a Rolodex full of repeat clients, but he still doesn’t know the best way to scale. Not only that, Chris also started investing in real estate, with a cash-flowing house hack allowing him to eliminate his housing costs.

Chris wants to know the best way to expand his business while still retaining his high margins, what type of healthcareplan he should be on now that he’s twenty-six, when he should look to buy another house hack, and how to keep investing. Chris is on a bright path already, but with a few tweaks, he could be financially free in only a few more years!




In This Episode We Cover

How to build a business that will gross six figures even if you have no entrepreneurial experience

Payroll, employees, and how to outsource more of your work so you can focus on expanding

Turning a service-based business into a profitable, repeatable empire

House hacking explained and using it to reduce your cost of living significantly

Healthcare for entrepreneurs and why the HSA is the “ultimate retirement account”

Growing your business so you can reach financial freedom even faster

And So Much More!




Links from the Show

BiggerPockets Money Facebook Group

BiggerPockets Forums

Finance Review Guest Onboarding

Scott's Instagram

Mindy's Twitter

Listen to All Your Favorite BiggerPockets Podcasts in One Place

Apply to Be a Guest on The Money Show

Podcast Talent Search!

Subscribe to The “On The Market” YouTube Channel

Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets

Check Out Mindy’s 2022 Live Spending Tracker and Budget

Finance Friday: Tips to Build a House Hack STACK in Your 20s

Finance Friday: From $33k in Debt to $100k+ in Net Worth Through House Hacking &#38; Smart Saving with Budget Girl

The House Hacking Strategy with Craig Curelop




Click here to check the full show notes: https://www.biggerpockets.com/blog/money-370




Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Check out our sponsor page!]]></description>
	<itunes:subtitle><![CDATA[How can a simple pressure washing business make you six figures of income a year? With a startup cost of only a couple hundred dollars, today’s guest Chris expanded his pressure washing, Christmas light-hanging, gutter-cleaning operation into a profitabl]]></itunes:subtitle>
	<content:encoded><![CDATA[How can a simple pressure washing business make you six figures of income a year? With a startup cost of only a couple hundred dollars, today’s guest Chris expanded his pressure washing, Christmas light-hanging, gutter-cleaning operation into a profitable business with multiple employees and a stacked schedule. But, as Chris has started to expand, he’s seen his personal profits decline, so should he outsource less so he can keep more of the revenue he’s working hard to bring in?

Welcome back to another Finance Friday episode, where we talk to Chris, a twenty-six-year-old entrepreneur learning to navigate profits, payroll, customer acquisition, and more in his pressure washing business. Chris found an interesting niche to serve; older communities in his home state of California. He’s been able to build a brand, grow his business, and have a Rolodex full of repeat clients, but he still doesn’t know the best way to scale. Not only that, Chris also started investing in real estate, with a cash-flowing house hack allowing him to eliminate his housing costs.

Chris wants to know the best way to expand his business while still retaining his high margins, what type of healthcareplan he should be on now that he’s twenty-six, when he should look to buy another house hack, and how to keep investing. Chris is on a bright path already, but with a few tweaks, he could be financially free in only a few more years!




In This Episode We Cover

How to build a business that will gross six figures even if you have no entrepreneurial experience

Payroll, employees, and how to outsource more of your work so you can focus on expanding

Turning a service-based business into a profitable, repeatable empire

House hacking explained and using it to reduce your cost of living significantly

Healthcare for entrepreneurs and why the HSA is the “ultimate retirement account”

Growing your business so you can reach financial freedom even faster

And So Much More!




Links from the Show

BiggerPockets Money Facebook Group

BiggerPockets Forums

Finance Review Guest Onboarding

Scott's Instagram

Mindy's Twitter

Listen to All Your Favorite BiggerPockets Podcasts in One Place

Apply to Be a Guest on The Money Show

Podcast Talent Search!

Subscribe to The “On The Market” YouTube Channel

Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets

Check Out Mindy’s 2022 Live Spending Tracker and Budget

Finance Friday: Tips to Build a House Hack STACK in Your 20s

Finance Friday: From $33k in Debt to $100k+ in Net Worth Through House Hacking &#38; Smart Saving with Budget Girl

The House Hacking Strategy with Craig Curelop




Click here to check the full show notes: https://www.biggerpockets.com/blog/money-370




Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Check out our sponsor page!]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC1943893393.mp3" length="52444994" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[How can a simple pressure washing business make you six figures of income a year? With a startup cost of only a couple hundred dollars, today’s guest Chris expanded his pressure washing, Christmas light-hanging, gutter-cleaning operation into a profitable business with multiple employees and a stacked schedule. But, as Chris has started to expand, he’s seen his personal profits decline, so should he outsource less so he can keep more of the revenue he’s working hard to bring in?

Welcome back to another Finance Friday episode, where we talk to Chris, a twenty-six-year-old entrepreneur learning to navigate profits, payroll, customer acquisition, and more in his pressure washing business. Chris found an interesting niche to serve; older communities in his home state of California. He’s been able to build a brand, grow his business, and have a Rolodex full of repeat clients, but he still doesn’t know the best way to scale. Not only that, Chris also started investing in real estate, with a cash-flowing house hack allowing him to eliminate his housing costs.

Chris wants to know the best way to expand his business while still retaining his high margins, what type of healthcareplan he should be on now that he’s twenty-six, when he should look to buy another house hack, and how to keep investing. Chris is on a bright path already, but with a few tweaks, he could be financially free in only a few more years!




In This Episode We Cover

How to build a business that will gross six figures even if you have no entrepreneurial experience

Payroll, employees, and how to outsource more of your work so you can focus on expanding

Turning a service-based business into a profitable, repeatable empire

House hacking explained and using it to reduce your cost of living significantly

Healthcare for entrepreneurs and why the HSA is the “ultimate retirement account”

Growing your business so you can reach financial freedom even faster

And So Much More!




Links from the Show

BiggerPockets Money Facebook Group

BiggerPockets Forums

Finance Review Guest Onboarding

Scott's Instagram

Mindy's Twitter

Listen to All Your Favorite BiggerPockets Podcasts in One Place

Apply to Be a Guest on The Money Show

Podcast Talent Search!

Subscribe to The “On The Market” YouTube Channel

Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets

Check Out Mindy’s 2022 Live Spending Tracker and Budget

Finance Friday: Tips to Build a House Hack STACK in Your 20s

Finance Friday: From $33k in Debt to $100k+ in Net Worth Through House Hacking &#38; Smart Saving with Budget Girl

The House Hacking Strategy with Craig Curelop




Click here to check the full show notes: https://www.biggerpockets.com/blog/money-370




Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Check out our sponsor page!]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[How can a simple pressure washing business make you six figures of income a year? With a startup cost of only a couple hundred dollars, today’s guest Chris expanded his pressure washing, Christmas light-hanging, gutter-cleaning operation into a profitable business with multiple employees and a stacked schedule. But, as Chris has started to expand, he’s seen his personal profits decline, so should he outsource less so he can keep more of the revenue he’s working hard to bring in?

Welcome back to another Finance Friday episode, where we talk to Chris, a twenty-six-year-old entrepreneur learning to navigate profits, payroll, customer acquisition, and more in his pressure washing business. Chris found an interesting niche to serve; older communities in his home state of California. He’s been able to build a brand, grow his business, and have a Rolodex full of repeat clients, but he still doesn’t know the best way to scale. Not only that, Chris also started investing in real estate, with ]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>369: The Capitalist Cult: How MLMs and Pyramid Schemes Trap Average Americans</title>
	<link>https://biggerpocketsmoney.com/podcast/369-the-capitalist-cult-how-mlms-and-pyramid-schemes-trap-average-americans/</link>
	<pubDate>Wed, 04 Jan 2023 07:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">gid://art19-episode-locator/V0/145ztQ8_JHhnmNDe__9Da6i1QcG1CzgE7vY7BzMdQCQ</guid>
	<description><![CDATA[Multi-level marketing companies (MLMs) operate in secrecy. They don’t want you to know where the products are coming from, how they’re being sold, who’s making a profit, and how the business works. They only want you to buy. Buy this starter kit, host that party, convince your friends and join the cult—sorry, the “club.” Operating in darkness is how these pyramid schemes build their membership count, branch into new cities, and keep average Americans in debtbut still chasing an empty dream.

So how did MLMs even come to be, and if they’re so blatantly nefarious, why hasn’t the government permanently shut them down? To answer these questions and many more, we brought on Jenner Furst, director of LuLaRich, the documentary that exposes the multi-billion dollar MLM empire, LuLaRoe. Jenner has worked tirelessly to uncover how these entities exist, what causes them to become so cult-like, and how unassuming Americans can fall prey to their money-making traps.

We also talk about the hierarchy of pyramid schemes, the culture inside of one, and the uneven pay structure that falsely tricks new members into believing they can strike it rich. You’ll learn about the history of MLMs, the so-called “Amway Rules,” and how snake oil salespeople have used social media to grow their empires to even greater heights.




In This Episode We Cover

The history of pyramid schemes and MLMs and how they become popularized in America

MLMs vs. pyramid schemes and the loose differences between these two types of businesses

The cult-like culture that exists inside an MLM and the blatant red flags that stick out

The false pay structure of MLMs and how they artificially promise returns that are impossible to achieve

How social media and live posts caused the MLM fire to grow even faster

How pyramid schemes play to people’s fears and desperations to get them to join

And So Much More!




Links from the Show

BiggerPockets Money Facebook Group

BiggerPockets Forums

Finance Review Guest Onboarding

Scott's Instagram

Mindy's Twitter

Listen to All Your Favorite BiggerPockets Podcasts in One Place

Apply to Be a Guest on The Money Show

Podcast Talent Search!

Subscribe to The “On The Market” YouTube Channel

Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets

Check Out Mindy’s 2022 Live Spending Tracker and Budget




Click here to check the full show notes: https://www.biggerpockets.com/blog/money-369




Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Check out our sponsor page!]]></description>
	<itunes:subtitle><![CDATA[Multi-level marketing companies (MLMs) operate in secrecy. They don’t want you to know where the products are coming from, how they’re being sold, who’s making a profit, and how the business works. They only want you to buy. Buy this starter kit, host th]]></itunes:subtitle>
	<content:encoded><![CDATA[Multi-level marketing companies (MLMs) operate in secrecy. They don’t want you to know where the products are coming from, how they’re being sold, who’s making a profit, and how the business works. They only want you to buy. Buy this starter kit, host that party, convince your friends and join the cult—sorry, the “club.” Operating in darkness is how these pyramid schemes build their membership count, branch into new cities, and keep average Americans in debtbut still chasing an empty dream.

So how did MLMs even come to be, and if they’re so blatantly nefarious, why hasn’t the government permanently shut them down? To answer these questions and many more, we brought on Jenner Furst, director of LuLaRich, the documentary that exposes the multi-billion dollar MLM empire, LuLaRoe. Jenner has worked tirelessly to uncover how these entities exist, what causes them to become so cult-like, and how unassuming Americans can fall prey to their money-making traps.

We also talk about the hierarchy of pyramid schemes, the culture inside of one, and the uneven pay structure that falsely tricks new members into believing they can strike it rich. You’ll learn about the history of MLMs, the so-called “Amway Rules,” and how snake oil salespeople have used social media to grow their empires to even greater heights.




In This Episode We Cover

The history of pyramid schemes and MLMs and how they become popularized in America

MLMs vs. pyramid schemes and the loose differences between these two types of businesses

The cult-like culture that exists inside an MLM and the blatant red flags that stick out

The false pay structure of MLMs and how they artificially promise returns that are impossible to achieve

How social media and live posts caused the MLM fire to grow even faster

How pyramid schemes play to people’s fears and desperations to get them to join

And So Much More!




Links from the Show

BiggerPockets Money Facebook Group

BiggerPockets Forums

Finance Review Guest Onboarding

Scott's Instagram

Mindy's Twitter

Listen to All Your Favorite BiggerPockets Podcasts in One Place

Apply to Be a Guest on The Money Show

Podcast Talent Search!

Subscribe to The “On The Market” YouTube Channel

Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets

Check Out Mindy’s 2022 Live Spending Tracker and Budget




Click here to check the full show notes: https://www.biggerpockets.com/blog/money-369




Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Check out our sponsor page!]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC8199986847.mp3" length="54749140" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[Multi-level marketing companies (MLMs) operate in secrecy. They don’t want you to know where the products are coming from, how they’re being sold, who’s making a profit, and how the business works. They only want you to buy. Buy this starter kit, host that party, convince your friends and join the cult—sorry, the “club.” Operating in darkness is how these pyramid schemes build their membership count, branch into new cities, and keep average Americans in debtbut still chasing an empty dream.

So how did MLMs even come to be, and if they’re so blatantly nefarious, why hasn’t the government permanently shut them down? To answer these questions and many more, we brought on Jenner Furst, director of LuLaRich, the documentary that exposes the multi-billion dollar MLM empire, LuLaRoe. Jenner has worked tirelessly to uncover how these entities exist, what causes them to become so cult-like, and how unassuming Americans can fall prey to their money-making traps.

We also talk about the hierarchy of pyramid schemes, the culture inside of one, and the uneven pay structure that falsely tricks new members into believing they can strike it rich. You’ll learn about the history of MLMs, the so-called “Amway Rules,” and how snake oil salespeople have used social media to grow their empires to even greater heights.




In This Episode We Cover

The history of pyramid schemes and MLMs and how they become popularized in America

MLMs vs. pyramid schemes and the loose differences between these two types of businesses

The cult-like culture that exists inside an MLM and the blatant red flags that stick out

The false pay structure of MLMs and how they artificially promise returns that are impossible to achieve

How social media and live posts caused the MLM fire to grow even faster

How pyramid schemes play to people’s fears and desperations to get them to join

And So Much More!




Links from the Show

BiggerPockets Money Facebook Group

BiggerPockets Forums

Finance Review Guest Onboarding

Scott's Instagram

Mindy's Twitter

Listen to All Your Favorite BiggerPockets Podcasts in One Place

Apply to Be a Guest on The Money Show

Podcast Talent Search!

Subscribe to The “On The Market” YouTube Channel

Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets

Check Out Mindy’s 2022 Live Spending Tracker and Budget




Click here to check the full show notes: https://www.biggerpockets.com/blog/money-369




Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Check out our sponsor page!]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[Multi-level marketing companies (MLMs) operate in secrecy. They don’t want you to know where the products are coming from, how they’re being sold, who’s making a profit, and how the business works. They only want you to buy. Buy this starter kit, host that party, convince your friends and join the cult—sorry, the “club.” Operating in darkness is how these pyramid schemes build their membership count, branch into new cities, and keep average Americans in debtbut still chasing an empty dream.

So how did MLMs even come to be, and if they’re so blatantly nefarious, why hasn’t the government permanently shut them down? To answer these questions and many more, we brought on Jenner Furst, director of LuLaRich, the documentary that exposes the multi-billion dollar MLM empire, LuLaRoe. Jenner has worked tirelessly to uncover how these entities exist, what causes them to become so cult-like, and how unassuming Americans can fall prey to their money-making traps.

We also talk about the hierarc]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>368: Lynne Twist’s “Want Less, Obtain More” Philosophy All FI-Chasers Should Follow</title>
	<link>https://biggerpocketsmoney.com/podcast/368-lynne-twists-want-less-obtain-more-philosophy-all-fi-chasers-should-follow/</link>
	<pubDate>Mon, 02 Jan 2023 07:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">gid://art19-episode-locator/V0/SW3vwYJdaik9slPlpndyUX7YQLBZ7IP9za6tL7Sl6D0</guid>
	<description><![CDATA[Lynne Twist’s The Soul of Money sparked a conversation we needed to have. It didn’t make people think “how do I make more money,” instead it asked, “what world am I making with the money I have?” For decades, Lynne has beenfundraising for charities and causes around the globe. From ending world hunger to fighting for the climate, she’s made sure that her dollars are best put to use, helping the most people she can with the money she makes.

Lynne’s rock-solid financial sense came from an unusual background. Her mother was raised well-off, but her family’s wealth came crashing down when they were forced to flee the home abroad they had made for themselves. Then, when Lynne’s father died, her mother became increasingly frugal, but for a good reason. Lynne’s mother wanted to use her money to give, not get, making every cent count in the budget. Later in life, Lynne and her husband lost a massive portion of their wealth, forcing her to ask the question—why pursue riches in the first place?

On today’s show, we have a lively discussion on the toxic money culture that has enveloped American society, why financial independence is worth pursuing, and what those with much can do to help those with so little. Lynne’s take on wealth-building opens up a refreshing debate among early retirees and forces you to ask “why” instead of “how” when it comes to making money. Tune in, and be sure to check out Lynne’s new book, Living a Committed Life! 

 

In This Episode We Cover

The “soul” of money and the scarcity belief that is causing society’s financial anxiety 

When is “enough” and how making less but giving more makes you richer

The importance of self-sufficiency and why chasing financial freedom is always a worthwhile goal

Learning to forgive yourself for money mistakes and why losing wealth isn’t always a bad thing

Fighting world hunger and how Lynne is using her voice to tackle huge global issues

Lynne’s brand new book, Living a Committed Life! 

And So Much More!




Links from the Show

Find an Investor-Friendly Real Estate Agent

BiggerPockets Money Facebook Group

BiggerPockets Forums

Finance Review Guest Onboarding

Mindy's Twitter

Scott's Instagram

Listen to All Your Favorite BiggerPockets Podcasts in One Place

Apply to Be a Guest on The Money Show

Podcast Talent Search!

Subscribe to The “On The Market” YouTube Channel

Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets

Check Out Mindy’s 2022 Live Spending Tracker and Budget

The Soul of Money

Pacha Mama Alliance

The Hunger Project




Click here to check the full show notes: https://www.biggerpockets.com/blog/money-368




Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Check out our sponsor page!]]></description>
	<itunes:subtitle><![CDATA[Lynne Twist’s The Soul of Money sparked a conversation we needed to have. It didn’t make people think “how do I make more money,” instead it asked, “what world am I making with the money I have?” For decades, Lynne has beenfundraising for charities and c]]></itunes:subtitle>
	<content:encoded><![CDATA[Lynne Twist’s The Soul of Money sparked a conversation we needed to have. It didn’t make people think “how do I make more money,” instead it asked, “what world am I making with the money I have?” For decades, Lynne has beenfundraising for charities and causes around the globe. From ending world hunger to fighting for the climate, she’s made sure that her dollars are best put to use, helping the most people she can with the money she makes.

Lynne’s rock-solid financial sense came from an unusual background. Her mother was raised well-off, but her family’s wealth came crashing down when they were forced to flee the home abroad they had made for themselves. Then, when Lynne’s father died, her mother became increasingly frugal, but for a good reason. Lynne’s mother wanted to use her money to give, not get, making every cent count in the budget. Later in life, Lynne and her husband lost a massive portion of their wealth, forcing her to ask the question—why pursue riches in the first place?

On today’s show, we have a lively discussion on the toxic money culture that has enveloped American society, why financial independence is worth pursuing, and what those with much can do to help those with so little. Lynne’s take on wealth-building opens up a refreshing debate among early retirees and forces you to ask “why” instead of “how” when it comes to making money. Tune in, and be sure to check out Lynne’s new book, Living a Committed Life! 

 

In This Episode We Cover

The “soul” of money and the scarcity belief that is causing society’s financial anxiety 

When is “enough” and how making less but giving more makes you richer

The importance of self-sufficiency and why chasing financial freedom is always a worthwhile goal

Learning to forgive yourself for money mistakes and why losing wealth isn’t always a bad thing

Fighting world hunger and how Lynne is using her voice to tackle huge global issues

Lynne’s brand new book, Living a Committed Life! 

And So Much More!




Links from the Show

Find an Investor-Friendly Real Estate Agent

BiggerPockets Money Facebook Group

BiggerPockets Forums

Finance Review Guest Onboarding

Mindy's Twitter

Scott's Instagram

Listen to All Your Favorite BiggerPockets Podcasts in One Place

Apply to Be a Guest on The Money Show

Podcast Talent Search!

Subscribe to The “On The Market” YouTube Channel

Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets

Check Out Mindy’s 2022 Live Spending Tracker and Budget

The Soul of Money

Pacha Mama Alliance

The Hunger Project




Click here to check the full show notes: https://www.biggerpockets.com/blog/money-368




Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Check out our sponsor page!]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC9931593072.mp3" length="61933322" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[Lynne Twist’s The Soul of Money sparked a conversation we needed to have. It didn’t make people think “how do I make more money,” instead it asked, “what world am I making with the money I have?” For decades, Lynne has beenfundraising for charities and causes around the globe. From ending world hunger to fighting for the climate, she’s made sure that her dollars are best put to use, helping the most people she can with the money she makes.

Lynne’s rock-solid financial sense came from an unusual background. Her mother was raised well-off, but her family’s wealth came crashing down when they were forced to flee the home abroad they had made for themselves. Then, when Lynne’s father died, her mother became increasingly frugal, but for a good reason. Lynne’s mother wanted to use her money to give, not get, making every cent count in the budget. Later in life, Lynne and her husband lost a massive portion of their wealth, forcing her to ask the question—why pursue riches in the first place?

On today’s show, we have a lively discussion on the toxic money culture that has enveloped American society, why financial independence is worth pursuing, and what those with much can do to help those with so little. Lynne’s take on wealth-building opens up a refreshing debate among early retirees and forces you to ask “why” instead of “how” when it comes to making money. Tune in, and be sure to check out Lynne’s new book, Living a Committed Life! 

 

In This Episode We Cover

The “soul” of money and the scarcity belief that is causing society’s financial anxiety 

When is “enough” and how making less but giving more makes you richer

The importance of self-sufficiency and why chasing financial freedom is always a worthwhile goal

Learning to forgive yourself for money mistakes and why losing wealth isn’t always a bad thing

Fighting world hunger and how Lynne is using her voice to tackle huge global issues

Lynne’s brand new book, Living a Committed Life! 

And So Much More!




Links from the Show

Find an Investor-Friendly Real Estate Agent

BiggerPockets Money Facebook Group

BiggerPockets Forums

Finance Review Guest Onboarding

Mindy's Twitter

Scott's Instagram

Listen to All Your Favorite BiggerPockets Podcasts in One Place

Apply to Be a Guest on The Money Show

Podcast Talent Search!

Subscribe to The “On The Market” YouTube Channel

Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets

Check Out Mindy’s 2022 Live Spending Tracker and Budget

The Soul of Money

Pacha Mama Alliance

The Hunger Project




Click here to check the full show notes: https://www.biggerpockets.com/blog/money-368




Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Check out our sponsor page!]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[Lynne Twist’s The Soul of Money sparked a conversation we needed to have. It didn’t make people think “how do I make more money,” instead it asked, “what world am I making with the money I have?” For decades, Lynne has beenfundraising for charities and causes around the globe. From ending world hunger to fighting for the climate, she’s made sure that her dollars are best put to use, helping the most people she can with the money she makes.

Lynne’s rock-solid financial sense came from an unusual background. Her mother was raised well-off, but her family’s wealth came crashing down when they were forced to flee the home abroad they had made for themselves. Then, when Lynne’s father died, her mother became increasingly frugal, but for a good reason. Lynne’s mother wanted to use her money to give, not get, making every cent count in the budget. Later in life, Lynne and her husband lost a massive portion of their wealth, forcing her to ask the question—why pursue riches in the first place]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>367: Finance Friday: Tips to Build a House Hack STACK in Your 20s</title>
	<link>https://biggerpocketsmoney.com/podcast/367-finance-friday-tips-to-build-a-house-hack-stack-in-your-20s/</link>
	<pubDate>Fri, 30 Dec 2022 07:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">gid://art19-episode-locator/V0/PSp2G74H-YIRLZEk0wvvROk_q0sQjjsHWlAkduPE798</guid>
	<description><![CDATA[Couch flipping may be the best side hustle you’ve never heard of. It’s so lucrative that today’s guest Parker used couch flipping to save up his down payment for his first house hack! Of course, who could have assumed otherwise from someone like Parker? He’s a financial analyst who made an intelligent move from expensive Boston to sunny Tampato house hack for the first time with one of his best friends. He’s making some impressive moves at a young age, but he still has questions about what to do next.

Although Parker is thankful for buying the house hack, he doesn’t know what he should do after he moves out. Does he sell the property, keep it as a rental, transfer it into an LLC, or go back to renting as he saves up enough money for the next house hack? He also has some very pressing capital expenditures on his mind, like a new roof, HVAC, and other large system replacements that could cost him and his house-hacking partner tens of thousands out of pocket. These replacements won’t be cheap, but they could help improve the property before he potentially sells.

And like most FIRE-minded twenty-something-year-olds, Parker needs to know where the highest ROI for him is. Does he continue to save up to buy another house hack, or should he be contributing to his tax-advantaged Roth, HSA, and 401(k) accounts? Plus, with such an unbelievably lucrative side hustle like couch flipping, how much time should he put into building this income-replacing revenue stream? Parker is on a great path, but with guidance from Mindy and Scott, he could reach financial independence even faster!




In This Episode We Cover

House hacking explained and the benefits of building a house hack stack early on

When to transfer an investment property into an LLC (and whether it’s even worth it)

How to calculate cash flow on an investment property to ensure you’re turning a profit

The “shotgun” clause every investor should sign when partnering on a deal

Couch flipping and how this side hustle can make you thousands every month

Capital expenditures and how to estimate your costs for big future repairs

And So Much More!




Links from the Show

Find an Investor-Friendly Real Estate Agent

BiggerPockets Money Facebook Group

BiggerPockets Forums

Finance Review Guest Onboarding

Mindy's Twitter

Scott's Instagram

Listen to All Your Favorite BiggerPockets Podcasts in One Place

Apply to Be a Guest on The Money Show

Podcast Talent Search!

Subscribe to The “On The Market” YouTube Channel

Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets

Check Out Mindy’s 2022 Live Spending Tracker and Budget




Click here to check the full show notes: https://www.biggerpockets.com/blog/money-367




Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Check out our sponsor page!]]></description>
	<itunes:subtitle><![CDATA[Couch flipping may be the best side hustle you’ve never heard of. It’s so lucrative that today’s guest Parker used couch flipping to save up his down payment for his first house hack! Of course, who could have assumed otherwise from someone like Parker? ]]></itunes:subtitle>
	<content:encoded><![CDATA[Couch flipping may be the best side hustle you’ve never heard of. It’s so lucrative that today’s guest Parker used couch flipping to save up his down payment for his first house hack! Of course, who could have assumed otherwise from someone like Parker? He’s a financial analyst who made an intelligent move from expensive Boston to sunny Tampato house hack for the first time with one of his best friends. He’s making some impressive moves at a young age, but he still has questions about what to do next.

Although Parker is thankful for buying the house hack, he doesn’t know what he should do after he moves out. Does he sell the property, keep it as a rental, transfer it into an LLC, or go back to renting as he saves up enough money for the next house hack? He also has some very pressing capital expenditures on his mind, like a new roof, HVAC, and other large system replacements that could cost him and his house-hacking partner tens of thousands out of pocket. These replacements won’t be cheap, but they could help improve the property before he potentially sells.

And like most FIRE-minded twenty-something-year-olds, Parker needs to know where the highest ROI for him is. Does he continue to save up to buy another house hack, or should he be contributing to his tax-advantaged Roth, HSA, and 401(k) accounts? Plus, with such an unbelievably lucrative side hustle like couch flipping, how much time should he put into building this income-replacing revenue stream? Parker is on a great path, but with guidance from Mindy and Scott, he could reach financial independence even faster!




In This Episode We Cover

House hacking explained and the benefits of building a house hack stack early on

When to transfer an investment property into an LLC (and whether it’s even worth it)

How to calculate cash flow on an investment property to ensure you’re turning a profit

The “shotgun” clause every investor should sign when partnering on a deal

Couch flipping and how this side hustle can make you thousands every month

Capital expenditures and how to estimate your costs for big future repairs

And So Much More!




Links from the Show

Find an Investor-Friendly Real Estate Agent

BiggerPockets Money Facebook Group

BiggerPockets Forums

Finance Review Guest Onboarding

Mindy's Twitter

Scott's Instagram

Listen to All Your Favorite BiggerPockets Podcasts in One Place

Apply to Be a Guest on The Money Show

Podcast Talent Search!

Subscribe to The “On The Market” YouTube Channel

Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets

Check Out Mindy’s 2022 Live Spending Tracker and Budget




Click here to check the full show notes: https://www.biggerpockets.com/blog/money-367




Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Check out our sponsor page!]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC7697377989.mp3" length="56435069" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[Couch flipping may be the best side hustle you’ve never heard of. It’s so lucrative that today’s guest Parker used couch flipping to save up his down payment for his first house hack! Of course, who could have assumed otherwise from someone like Parker? He’s a financial analyst who made an intelligent move from expensive Boston to sunny Tampato house hack for the first time with one of his best friends. He’s making some impressive moves at a young age, but he still has questions about what to do next.

Although Parker is thankful for buying the house hack, he doesn’t know what he should do after he moves out. Does he sell the property, keep it as a rental, transfer it into an LLC, or go back to renting as he saves up enough money for the next house hack? He also has some very pressing capital expenditures on his mind, like a new roof, HVAC, and other large system replacements that could cost him and his house-hacking partner tens of thousands out of pocket. These replacements won’t be cheap, but they could help improve the property before he potentially sells.

And like most FIRE-minded twenty-something-year-olds, Parker needs to know where the highest ROI for him is. Does he continue to save up to buy another house hack, or should he be contributing to his tax-advantaged Roth, HSA, and 401(k) accounts? Plus, with such an unbelievably lucrative side hustle like couch flipping, how much time should he put into building this income-replacing revenue stream? Parker is on a great path, but with guidance from Mindy and Scott, he could reach financial independence even faster!




In This Episode We Cover

House hacking explained and the benefits of building a house hack stack early on

When to transfer an investment property into an LLC (and whether it’s even worth it)

How to calculate cash flow on an investment property to ensure you’re turning a profit

The “shotgun” clause every investor should sign when partnering on a deal

Couch flipping and how this side hustle can make you thousands every month

Capital expenditures and how to estimate your costs for big future repairs

And So Much More!




Links from the Show

Find an Investor-Friendly Real Estate Agent

BiggerPockets Money Facebook Group

BiggerPockets Forums

Finance Review Guest Onboarding

Mindy's Twitter

Scott's Instagram

Listen to All Your Favorite BiggerPockets Podcasts in One Place

Apply to Be a Guest on The Money Show

Podcast Talent Search!

Subscribe to The “On The Market” YouTube Channel

Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets

Check Out Mindy’s 2022 Live Spending Tracker and Budget




Click here to check the full show notes: https://www.biggerpockets.com/blog/money-367




Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Check out our sponsor page!]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[Couch flipping may be the best side hustle you’ve never heard of. It’s so lucrative that today’s guest Parker used couch flipping to save up his down payment for his first house hack! Of course, who could have assumed otherwise from someone like Parker? He’s a financial analyst who made an intelligent move from expensive Boston to sunny Tampato house hack for the first time with one of his best friends. He’s making some impressive moves at a young age, but he still has questions about what to do next.

Although Parker is thankful for buying the house hack, he doesn’t know what he should do after he moves out. Does he sell the property, keep it as a rental, transfer it into an LLC, or go back to renting as he saves up enough money for the next house hack? He also has some very pressing capital expenditures on his mind, like a new roof, HVAC, and other large system replacements that could cost him and his house-hacking partner tens of thousands out of pocket. These replacements won’t be]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>366: The Repeatable Steps to Financial Freedom in 4 Years w/TheFICouple</title>
	<link>https://biggerpocketsmoney.com/podcast/366-the-repeatable-steps-to-financial-freedom-in-4-years-w-theficouple/</link>
	<pubDate>Mon, 26 Dec 2022 07:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">gid://art19-episode-locator/V0/9vCgd4PQKnamy0fvFxzSCudWT6Pn74UYk_Im_1bD0Ws</guid>
	<description><![CDATA[Financial independence means something different to everyone. For some, it means having enough to not worry about being laid off. For others, it could mean making more money to buy a yacht, but for Ali and Josh (TheFICouple), financial independence means more time together, growing a family, and a community that helps others reach their highest potential. Just four years ago, Ali and Josh were strapped with six figures worth of debt, living paycheck to paycheck, struggling to survive. Now, they’re financially independent, working their jobs just two days a week, and spending the rest of the time building a better life for their future child.

Ali and Josh are tenacious savers and investors, but they weren’t always like this. They were used to spending everything they made, scared to look at their bank accounts, and hoping that the future would somehow become brighter. Once they took the financial blinders off, Ali and Josh saw that the only way to build their ideal life was to deal with their financial hardships head-on. From there, they house hacked, heavily invested, paid off debt, and began publicly posting their wins, and losses, on social media under the @TheFiCouple handle.

They’ve gone from surviving to thriving, and this episode hints at just a portion of what Ali and Josh are building. With a baby on the way, they’ve become even more aggressive with growing their online brand, their real estate portfolio, and their investment accounts. If you want to repeat the four-year path to FI like Ali and Josh, tune in!




In This Episode We Cover

Paying off over six figures of student debt and the beauty behind taking small steps

Seller financing real estate and using it to buy properties without the big banks 

Quitting full-time work and still saving over eighty percent of your income

Growing your online brand and building a community that’ll push you to new heights

Why building a massive real estate portfolio isn’t what it’s all cracked up to be

Tips for those that are still in debt or just starting in their investing journey

And So Much More!




Links from the Show

Find an Investor-Friendly Real Estate Agent

BiggerPockets Money Facebook Group

BiggerPockets Forums

Finance Review Guest Onboarding

Mindy's Twitter

Listen to All Your Favorite BiggerPockets Podcasts in One Place

Apply to Be a Guest on The Money Show

Podcast Talent Search!

Subscribe to The “On The Market” YouTube Channel

Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets

Check Out Mindy’s 2022 Live Spending Tracker and Budget

Amanda's Instagram

She Wolf of Wall Street Website

From Fired to FI Couple in 2 Years with Josh and Ali

Budgeting for a Baby: The Costs EVERY New Parent Should Expect




Click here to check the full show notes: https://www.biggerpockets.com/blog/money-366




Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Check out our sponsor page!]]></description>
	<itunes:subtitle><![CDATA[Financial independence means something different to everyone. For some, it means having enough to not worry about being laid off. For others, it could mean making more money to buy a yacht, but for Ali and Josh (TheFICouple), financial independence means]]></itunes:subtitle>
	<content:encoded><![CDATA[Financial independence means something different to everyone. For some, it means having enough to not worry about being laid off. For others, it could mean making more money to buy a yacht, but for Ali and Josh (TheFICouple), financial independence means more time together, growing a family, and a community that helps others reach their highest potential. Just four years ago, Ali and Josh were strapped with six figures worth of debt, living paycheck to paycheck, struggling to survive. Now, they’re financially independent, working their jobs just two days a week, and spending the rest of the time building a better life for their future child.

Ali and Josh are tenacious savers and investors, but they weren’t always like this. They were used to spending everything they made, scared to look at their bank accounts, and hoping that the future would somehow become brighter. Once they took the financial blinders off, Ali and Josh saw that the only way to build their ideal life was to deal with their financial hardships head-on. From there, they house hacked, heavily invested, paid off debt, and began publicly posting their wins, and losses, on social media under the @TheFiCouple handle.

They’ve gone from surviving to thriving, and this episode hints at just a portion of what Ali and Josh are building. With a baby on the way, they’ve become even more aggressive with growing their online brand, their real estate portfolio, and their investment accounts. If you want to repeat the four-year path to FI like Ali and Josh, tune in!




In This Episode We Cover

Paying off over six figures of student debt and the beauty behind taking small steps

Seller financing real estate and using it to buy properties without the big banks 

Quitting full-time work and still saving over eighty percent of your income

Growing your online brand and building a community that’ll push you to new heights

Why building a massive real estate portfolio isn’t what it’s all cracked up to be

Tips for those that are still in debt or just starting in their investing journey

And So Much More!




Links from the Show

Find an Investor-Friendly Real Estate Agent

BiggerPockets Money Facebook Group

BiggerPockets Forums

Finance Review Guest Onboarding

Mindy's Twitter

Listen to All Your Favorite BiggerPockets Podcasts in One Place

Apply to Be a Guest on The Money Show

Podcast Talent Search!

Subscribe to The “On The Market” YouTube Channel

Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets

Check Out Mindy’s 2022 Live Spending Tracker and Budget

Amanda's Instagram

She Wolf of Wall Street Website

From Fired to FI Couple in 2 Years with Josh and Ali

Budgeting for a Baby: The Costs EVERY New Parent Should Expect




Click here to check the full show notes: https://www.biggerpockets.com/blog/money-366




Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Check out our sponsor page!]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC5066801816.mp3" length="54806706" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[Financial independence means something different to everyone. For some, it means having enough to not worry about being laid off. For others, it could mean making more money to buy a yacht, but for Ali and Josh (TheFICouple), financial independence means more time together, growing a family, and a community that helps others reach their highest potential. Just four years ago, Ali and Josh were strapped with six figures worth of debt, living paycheck to paycheck, struggling to survive. Now, they’re financially independent, working their jobs just two days a week, and spending the rest of the time building a better life for their future child.

Ali and Josh are tenacious savers and investors, but they weren’t always like this. They were used to spending everything they made, scared to look at their bank accounts, and hoping that the future would somehow become brighter. Once they took the financial blinders off, Ali and Josh saw that the only way to build their ideal life was to deal with their financial hardships head-on. From there, they house hacked, heavily invested, paid off debt, and began publicly posting their wins, and losses, on social media under the @TheFiCouple handle.

They’ve gone from surviving to thriving, and this episode hints at just a portion of what Ali and Josh are building. With a baby on the way, they’ve become even more aggressive with growing their online brand, their real estate portfolio, and their investment accounts. If you want to repeat the four-year path to FI like Ali and Josh, tune in!




In This Episode We Cover

Paying off over six figures of student debt and the beauty behind taking small steps

Seller financing real estate and using it to buy properties without the big banks 

Quitting full-time work and still saving over eighty percent of your income

Growing your online brand and building a community that’ll push you to new heights

Why building a massive real estate portfolio isn’t what it’s all cracked up to be

Tips for those that are still in debt or just starting in their investing journey

And So Much More!




Links from the Show

Find an Investor-Friendly Real Estate Agent

BiggerPockets Money Facebook Group

BiggerPockets Forums

Finance Review Guest Onboarding

Mindy's Twitter

Listen to All Your Favorite BiggerPockets Podcasts in One Place

Apply to Be a Guest on The Money Show

Podcast Talent Search!

Subscribe to The “On The Market” YouTube Channel

Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets

Check Out Mindy’s 2022 Live Spending Tracker and Budget

Amanda's Instagram

She Wolf of Wall Street Website

From Fired to FI Couple in 2 Years with Josh and Ali

Budgeting for a Baby: The Costs EVERY New Parent Should Expect




Click here to check the full show notes: https://www.biggerpockets.com/blog/money-366




Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Check out our sponsor page!]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[Financial independence means something different to everyone. For some, it means having enough to not worry about being laid off. For others, it could mean making more money to buy a yacht, but for Ali and Josh (TheFICouple), financial independence means more time together, growing a family, and a community that helps others reach their highest potential. Just four years ago, Ali and Josh were strapped with six figures worth of debt, living paycheck to paycheck, struggling to survive. Now, they’re financially independent, working their jobs just two days a week, and spending the rest of the time building a better life for their future child.

Ali and Josh are tenacious savers and investors, but they weren’t always like this. They were used to spending everything they made, scared to look at their bank accounts, and hoping that the future would somehow become brighter. Once they took the financial blinders off, Ali and Josh saw that the only way to build their ideal life was to deal wi]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>365: Finance Friday: How to Become Real Estate Ready in 2023</title>
	<link>https://biggerpocketsmoney.com/podcast/365-finance-friday-how-to-become-real-estate-ready-in-2023/</link>
	<pubDate>Fri, 23 Dec 2022 07:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">gid://art19-episode-locator/V0/LeRLFNm6PjhQ5mACZJodh7lzSdcnFmpq3p1iTlfGJ8Y</guid>
	<description><![CDATA[Don’t know how to become a millionaire? There’s a pretty simple formula for seven-figure wealth that the average American doesn’t know about. It isn’t complicated, but it does take a fair amount of time to come to fruition. If you follow the same strategy, regardless of where you’re starting right now, you too could become a millionaire in under ten years. This wealth-building formula is exactly what today’s guest, Remy, is looking for.

Remy is doing his mid-twenties the right way. He’s got a great income, contributes heavily to investing, and already has six figures in equity thanks to buying his home two years ago. He’s made moves that many young investors would envy, but he wants to go even further over the next ten years. Remy is looking to become “real estate ready” in 2023, meaning he needs to be in a favorable position to start building his rental property portfolio so he can have a million dollars of real estate by the time he turns thirty-five.

The plan is simple for Remy, but he’ll need to make some serious tradeoffs. Is more real estate worth forsaking his growing retirement accounts? Should he slash his emergency fund to pile more fuel onto the FIRE? And where can he cut his budget so he’s saving as much cash as possible, ready to invest in the next great deal that comes his way? If you want to get real estate ready like Remy, stick around! 




In This Episode We Cover

How to invest more when you’re financially treading water every month 

Why requoting your car insurance after a certain age could save you thousands 

Real estate vs. retirement investing and which one is worth a bigger contribution

Renting vs. selling your primary residence and when freeing up cash is the right move to make

Emergency reserves and the certain situation when Scott and Mindy are against them

Why retirement accounts can be a “trap” for the investor who wants to retire early

And So Much More!




Links from the Show

Find an Investor-Friendly Real Estate Agent

BiggerPockets Money Facebook Group

BiggerPockets Forums

Finance Review Guest Onboarding

Mindy's Twitter

Scott's Instagram

Listen to All Your Favorite BiggerPockets Podcasts in One Place

Apply to Be a Guest on The Money Show

Podcast Talent Search!

Subscribe to The “On The Market” YouTube Channel

Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets

Check Out Mindy’s 2022 Live Spending Tracker and Budget




Click here to check the full show notes: https://www.biggerpockets.com/blog/money-365

Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Check out our sponsor page!]]></description>
	<itunes:subtitle><![CDATA[Don’t know how to become a millionaire? There’s a pretty simple formula for seven-figure wealth that the average American doesn’t know about. It isn’t complicated, but it does take a fair amount of time to come to fruition. If you follow the same strateg]]></itunes:subtitle>
	<content:encoded><![CDATA[Don’t know how to become a millionaire? There’s a pretty simple formula for seven-figure wealth that the average American doesn’t know about. It isn’t complicated, but it does take a fair amount of time to come to fruition. If you follow the same strategy, regardless of where you’re starting right now, you too could become a millionaire in under ten years. This wealth-building formula is exactly what today’s guest, Remy, is looking for.

Remy is doing his mid-twenties the right way. He’s got a great income, contributes heavily to investing, and already has six figures in equity thanks to buying his home two years ago. He’s made moves that many young investors would envy, but he wants to go even further over the next ten years. Remy is looking to become “real estate ready” in 2023, meaning he needs to be in a favorable position to start building his rental property portfolio so he can have a million dollars of real estate by the time he turns thirty-five.

The plan is simple for Remy, but he’ll need to make some serious tradeoffs. Is more real estate worth forsaking his growing retirement accounts? Should he slash his emergency fund to pile more fuel onto the FIRE? And where can he cut his budget so he’s saving as much cash as possible, ready to invest in the next great deal that comes his way? If you want to get real estate ready like Remy, stick around! 




In This Episode We Cover

How to invest more when you’re financially treading water every month 

Why requoting your car insurance after a certain age could save you thousands 

Real estate vs. retirement investing and which one is worth a bigger contribution

Renting vs. selling your primary residence and when freeing up cash is the right move to make

Emergency reserves and the certain situation when Scott and Mindy are against them

Why retirement accounts can be a “trap” for the investor who wants to retire early

And So Much More!




Links from the Show

Find an Investor-Friendly Real Estate Agent

BiggerPockets Money Facebook Group

BiggerPockets Forums

Finance Review Guest Onboarding

Mindy's Twitter

Scott's Instagram

Listen to All Your Favorite BiggerPockets Podcasts in One Place

Apply to Be a Guest on The Money Show

Podcast Talent Search!

Subscribe to The “On The Market” YouTube Channel

Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets

Check Out Mindy’s 2022 Live Spending Tracker and Budget




Click here to check the full show notes: https://www.biggerpockets.com/blog/money-365

Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Check out our sponsor page!]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC4885128880.mp3" length="61069324" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[Don’t know how to become a millionaire? There’s a pretty simple formula for seven-figure wealth that the average American doesn’t know about. It isn’t complicated, but it does take a fair amount of time to come to fruition. If you follow the same strategy, regardless of where you’re starting right now, you too could become a millionaire in under ten years. This wealth-building formula is exactly what today’s guest, Remy, is looking for.

Remy is doing his mid-twenties the right way. He’s got a great income, contributes heavily to investing, and already has six figures in equity thanks to buying his home two years ago. He’s made moves that many young investors would envy, but he wants to go even further over the next ten years. Remy is looking to become “real estate ready” in 2023, meaning he needs to be in a favorable position to start building his rental property portfolio so he can have a million dollars of real estate by the time he turns thirty-five.

The plan is simple for Remy, but he’ll need to make some serious tradeoffs. Is more real estate worth forsaking his growing retirement accounts? Should he slash his emergency fund to pile more fuel onto the FIRE? And where can he cut his budget so he’s saving as much cash as possible, ready to invest in the next great deal that comes his way? If you want to get real estate ready like Remy, stick around! 




In This Episode We Cover

How to invest more when you’re financially treading water every month 

Why requoting your car insurance after a certain age could save you thousands 

Real estate vs. retirement investing and which one is worth a bigger contribution

Renting vs. selling your primary residence and when freeing up cash is the right move to make

Emergency reserves and the certain situation when Scott and Mindy are against them

Why retirement accounts can be a “trap” for the investor who wants to retire early

And So Much More!




Links from the Show

Find an Investor-Friendly Real Estate Agent

BiggerPockets Money Facebook Group

BiggerPockets Forums

Finance Review Guest Onboarding

Mindy's Twitter

Scott's Instagram

Listen to All Your Favorite BiggerPockets Podcasts in One Place

Apply to Be a Guest on The Money Show

Podcast Talent Search!

Subscribe to The “On The Market” YouTube Channel

Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets

Check Out Mindy’s 2022 Live Spending Tracker and Budget




Click here to check the full show notes: https://www.biggerpockets.com/blog/money-365

Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Check out our sponsor page!]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[Don’t know how to become a millionaire? There’s a pretty simple formula for seven-figure wealth that the average American doesn’t know about. It isn’t complicated, but it does take a fair amount of time to come to fruition. If you follow the same strategy, regardless of where you’re starting right now, you too could become a millionaire in under ten years. This wealth-building formula is exactly what today’s guest, Remy, is looking for.

Remy is doing his mid-twenties the right way. He’s got a great income, contributes heavily to investing, and already has six figures in equity thanks to buying his home two years ago. He’s made moves that many young investors would envy, but he wants to go even further over the next ten years. Remy is looking to become “real estate ready” in 2023, meaning he needs to be in a favorable position to start building his rental property portfolio so he can have a million dollars of real estate by the time he turns thirty-five.

The plan is simple for Remy, ]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>364: Divorce: The Biggest Marriage and Money Mistakes to Avoid</title>
	<link>https://biggerpocketsmoney.com/podcast/364-divorce-the-biggest-marriage-and-money-mistakes-to-avoid/</link>
	<pubDate>Mon, 19 Dec 2022 07:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">gid://art19-episode-locator/V0/qIGntVWTMrIiehqKKNznS4NBKldAZdXpw8G_oSdJ718</guid>
	<description><![CDATA[Everyone makes financial mistakes, even those that we trust with money the most. Rachel “Money Honey” Richardsto many people online is the epitome of someone who has their finances locked down. She grew a massive real estate portfolio in her twenties, hit financial freedom before thirty, and has written bestselling books that others use to increase their financial acumen. And although Rachel still is a financially free money nerd like no other, her recent divorce changed most of what she knew.

Through a few simple mistakes, Rachel’s recent divorce dragged on longer, cost more, and left more up to chance than she would have liked. After going through the pain, struggles, and anxiety of leaving the marriage, Rachel wants everyone, whether single, dating or married, to not make the same mistakes she made. These mistakes are often small, and can be easily overlooked, but making them could be deadly to your finances and allow an unplanned divorce to bury you.

But this isn’t all advice on what to do before or during a divorce. Rachel shares personal advice on red flags you should look for when starting a relationship, how to separate your finances so you keep what is yours, and why overlooking a prenup can be one of the worst moves to make when starting your marriage. No one plans for a divorce, and Rachel didn’t as well. So happily ever after or not, these life-saving moves are ones you should be thinking about making.

In This Episode We Cover

The “misaligned vision” that led to Rachel and her ex-husband’s divorce

Red flags to watch out for and an instant sign that a relationship may not work out

Losing 50% of your real estate portfolio to divorce and how to protect against it happening again

What most couples get wrong about marital assets and how they’ll get split during a divorce 

Rachel’s four biggest money mistakes that you should NEVER make when married

The trust cost of divorce and how much Rachel had to pay to separate

And So Much More!

Links from the Show

Find an Investor-Friendly Real Estate Agent

BiggerPockets Money Facebook Group

BiggerPockets Forums

Finance Review Guest Onboarding

Mindy's Twitter

Listen to All Your Favorite BiggerPockets Podcasts in One Place

Apply to Be a Guest on The Money Show

Podcast Talent Search!

Subscribe to The “On The Market” YouTube Channel

Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets

Check Out Mindy’s 2022 Live Spending Tracker and Budget

Prenups, Projects, Prolific Spending, and Planning for 2022 w/ Carl &#38; Mindy Jensen

Why You’re (Probably) Wrong About Prenups




Click here to check the full show notes: https://www.biggerpockets.com/blog/money-364




Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Check out our sponsor page!]]></description>
	<itunes:subtitle><![CDATA[Everyone makes financial mistakes, even those that we trust with money the most. Rachel “Money Honey” Richardsto many people online is the epitome of someone who has their finances locked down. She grew a massive real estate portfolio in her twenties, hi]]></itunes:subtitle>
	<content:encoded><![CDATA[Everyone makes financial mistakes, even those that we trust with money the most. Rachel “Money Honey” Richardsto many people online is the epitome of someone who has their finances locked down. She grew a massive real estate portfolio in her twenties, hit financial freedom before thirty, and has written bestselling books that others use to increase their financial acumen. And although Rachel still is a financially free money nerd like no other, her recent divorce changed most of what she knew.

Through a few simple mistakes, Rachel’s recent divorce dragged on longer, cost more, and left more up to chance than she would have liked. After going through the pain, struggles, and anxiety of leaving the marriage, Rachel wants everyone, whether single, dating or married, to not make the same mistakes she made. These mistakes are often small, and can be easily overlooked, but making them could be deadly to your finances and allow an unplanned divorce to bury you.

But this isn’t all advice on what to do before or during a divorce. Rachel shares personal advice on red flags you should look for when starting a relationship, how to separate your finances so you keep what is yours, and why overlooking a prenup can be one of the worst moves to make when starting your marriage. No one plans for a divorce, and Rachel didn’t as well. So happily ever after or not, these life-saving moves are ones you should be thinking about making.

In This Episode We Cover

The “misaligned vision” that led to Rachel and her ex-husband’s divorce

Red flags to watch out for and an instant sign that a relationship may not work out

Losing 50% of your real estate portfolio to divorce and how to protect against it happening again

What most couples get wrong about marital assets and how they’ll get split during a divorce 

Rachel’s four biggest money mistakes that you should NEVER make when married

The trust cost of divorce and how much Rachel had to pay to separate

And So Much More!

Links from the Show

Find an Investor-Friendly Real Estate Agent

BiggerPockets Money Facebook Group

BiggerPockets Forums

Finance Review Guest Onboarding

Mindy's Twitter

Listen to All Your Favorite BiggerPockets Podcasts in One Place

Apply to Be a Guest on The Money Show

Podcast Talent Search!

Subscribe to The “On The Market” YouTube Channel

Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets

Check Out Mindy’s 2022 Live Spending Tracker and Budget

Prenups, Projects, Prolific Spending, and Planning for 2022 w/ Carl &#38; Mindy Jensen

Why You’re (Probably) Wrong About Prenups




Click here to check the full show notes: https://www.biggerpockets.com/blog/money-364




Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Check out our sponsor page!]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC2487482722.mp3" length="57691391" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[Everyone makes financial mistakes, even those that we trust with money the most. Rachel “Money Honey” Richardsto many people online is the epitome of someone who has their finances locked down. She grew a massive real estate portfolio in her twenties, hit financial freedom before thirty, and has written bestselling books that others use to increase their financial acumen. And although Rachel still is a financially free money nerd like no other, her recent divorce changed most of what she knew.

Through a few simple mistakes, Rachel’s recent divorce dragged on longer, cost more, and left more up to chance than she would have liked. After going through the pain, struggles, and anxiety of leaving the marriage, Rachel wants everyone, whether single, dating or married, to not make the same mistakes she made. These mistakes are often small, and can be easily overlooked, but making them could be deadly to your finances and allow an unplanned divorce to bury you.

But this isn’t all advice on what to do before or during a divorce. Rachel shares personal advice on red flags you should look for when starting a relationship, how to separate your finances so you keep what is yours, and why overlooking a prenup can be one of the worst moves to make when starting your marriage. No one plans for a divorce, and Rachel didn’t as well. So happily ever after or not, these life-saving moves are ones you should be thinking about making.

In This Episode We Cover

The “misaligned vision” that led to Rachel and her ex-husband’s divorce

Red flags to watch out for and an instant sign that a relationship may not work out

Losing 50% of your real estate portfolio to divorce and how to protect against it happening again

What most couples get wrong about marital assets and how they’ll get split during a divorce 

Rachel’s four biggest money mistakes that you should NEVER make when married

The trust cost of divorce and how much Rachel had to pay to separate

And So Much More!

Links from the Show

Find an Investor-Friendly Real Estate Agent

BiggerPockets Money Facebook Group

BiggerPockets Forums

Finance Review Guest Onboarding

Mindy's Twitter

Listen to All Your Favorite BiggerPockets Podcasts in One Place

Apply to Be a Guest on The Money Show

Podcast Talent Search!

Subscribe to The “On The Market” YouTube Channel

Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets

Check Out Mindy’s 2022 Live Spending Tracker and Budget

Prenups, Projects, Prolific Spending, and Planning for 2022 w/ Carl &#38; Mindy Jensen

Why You’re (Probably) Wrong About Prenups




Click here to check the full show notes: https://www.biggerpockets.com/blog/money-364




Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Check out our sponsor page!]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[Everyone makes financial mistakes, even those that we trust with money the most. Rachel “Money Honey” Richardsto many people online is the epitome of someone who has their finances locked down. She grew a massive real estate portfolio in her twenties, hit financial freedom before thirty, and has written bestselling books that others use to increase their financial acumen. And although Rachel still is a financially free money nerd like no other, her recent divorce changed most of what she knew.

Through a few simple mistakes, Rachel’s recent divorce dragged on longer, cost more, and left more up to chance than she would have liked. After going through the pain, struggles, and anxiety of leaving the marriage, Rachel wants everyone, whether single, dating or married, to not make the same mistakes she made. These mistakes are often small, and can be easily overlooked, but making them could be deadly to your finances and allow an unplanned divorce to bury you.

But this isn’t all advice on]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>363: Finance Friday: Savings Stuck At Zero? Here’s How to Grow Your Bank Account</title>
	<link>https://biggerpocketsmoney.com/podcast/363-finance-friday-savings-stuck-at-zero-heres-how-to-grow-your-bank-account/</link>
	<pubDate>Fri, 16 Dec 2022 07:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">gid://art19-episode-locator/V0/ngrk31k7bdzUYxKNScTbJ0vrLZdT5CKhP_NJQxtevKI</guid>
	<description><![CDATA[Once you know how to save money, you can start stacking those savings to buy real estate and businesses or invest in long-term wealth-building investment accounts. But, without a steady stream of savings coming in, you're treading water, and one emergency expense could completely blow you off course. In a high-cost-of-living area like Washington, DC., this can seem even harder as rent, gas, and going out prices are far above the national average. But, there are some surefire ways to save (and make) more every month.

On this Finance Friday episode, we talk to Richard, a government tech worker who makes a great salary but could potentially be bringing in much more. Richard’s dream of being the President naturally led him to real estate investing, and now he’s focused on building bigger, stronger, and smarter income streams so he has ultimate time freedom (and a high net worth) in the next few decades. But even with his tech salary, Richard struggles to save every month, with random expenses knocking him out as soon as they arise.

Mindy and Scott go through Richard’s income and expenses as well as his debts, much of which are forgivable student loans. Richard debates whether sticking with his perk-heavy government job is worth the pay difference he could gain in the private sector. And whether or not buying cash-flowing businesses is a smart move, especially for someone without much savings. If you’ve struggled to boost your bank account, this episode may hit close to home!




In This Episode We Cover

Public student loan forgiveness and the “trap” many government workers find themselves in

Emergency funds, safety reserves, and how to build one from scratch

When to change jobs for more pay vs. when to keep big benefits, but a lower salary

How to budget and the better way to track your expenses if you struggle to save

Buying a business and what it takes for first-time entrepreneurs

Creating a vivid vision of what your life, job, and business will look like in five to ten years

And So Much More!




Links from the Show

Find an Investor-Friendly Real Estate Agent

BiggerPockets Money Facebook Group

BiggerPockets Forums

Finance Review Guest Onboarding

Mindy's Twitter

Scott's Instagram

Listen to All Your Favorite BiggerPockets Podcasts in One Place

Apply to Be a Guest on The Money Show

Podcast Talent Search!

Subscribe to The “On The Market” YouTube Channel

Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets

Check Out Mindy’s 2022 Live Spending Tracker and Budget




Click here to check the full show notes: https://www.biggerpockets.com/blog/money-363




Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Check out our sponsor page!]]></description>
	<itunes:subtitle><![CDATA[Once you know how to save money, you can start stacking those savings to buy real estate and businesses or invest in long-term wealth-building investment accounts. But, without a steady stream of savings coming in, youre treading water, and one emergency]]></itunes:subtitle>
	<content:encoded><![CDATA[Once you know how to save money, you can start stacking those savings to buy real estate and businesses or invest in long-term wealth-building investment accounts. But, without a steady stream of savings coming in, you're treading water, and one emergency expense could completely blow you off course. In a high-cost-of-living area like Washington, DC., this can seem even harder as rent, gas, and going out prices are far above the national average. But, there are some surefire ways to save (and make) more every month.

On this Finance Friday episode, we talk to Richard, a government tech worker who makes a great salary but could potentially be bringing in much more. Richard’s dream of being the President naturally led him to real estate investing, and now he’s focused on building bigger, stronger, and smarter income streams so he has ultimate time freedom (and a high net worth) in the next few decades. But even with his tech salary, Richard struggles to save every month, with random expenses knocking him out as soon as they arise.

Mindy and Scott go through Richard’s income and expenses as well as his debts, much of which are forgivable student loans. Richard debates whether sticking with his perk-heavy government job is worth the pay difference he could gain in the private sector. And whether or not buying cash-flowing businesses is a smart move, especially for someone without much savings. If you’ve struggled to boost your bank account, this episode may hit close to home!




In This Episode We Cover

Public student loan forgiveness and the “trap” many government workers find themselves in

Emergency funds, safety reserves, and how to build one from scratch

When to change jobs for more pay vs. when to keep big benefits, but a lower salary

How to budget and the better way to track your expenses if you struggle to save

Buying a business and what it takes for first-time entrepreneurs

Creating a vivid vision of what your life, job, and business will look like in five to ten years

And So Much More!




Links from the Show

Find an Investor-Friendly Real Estate Agent

BiggerPockets Money Facebook Group

BiggerPockets Forums

Finance Review Guest Onboarding

Mindy's Twitter

Scott's Instagram

Listen to All Your Favorite BiggerPockets Podcasts in One Place

Apply to Be a Guest on The Money Show

Podcast Talent Search!

Subscribe to The “On The Market” YouTube Channel

Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets

Check Out Mindy’s 2022 Live Spending Tracker and Budget




Click here to check the full show notes: https://www.biggerpockets.com/blog/money-363




Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Check out our sponsor page!]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC3570128654.mp3" length="59330370" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[Once you know how to save money, you can start stacking those savings to buy real estate and businesses or invest in long-term wealth-building investment accounts. But, without a steady stream of savings coming in, you're treading water, and one emergency expense could completely blow you off course. In a high-cost-of-living area like Washington, DC., this can seem even harder as rent, gas, and going out prices are far above the national average. But, there are some surefire ways to save (and make) more every month.

On this Finance Friday episode, we talk to Richard, a government tech worker who makes a great salary but could potentially be bringing in much more. Richard’s dream of being the President naturally led him to real estate investing, and now he’s focused on building bigger, stronger, and smarter income streams so he has ultimate time freedom (and a high net worth) in the next few decades. But even with his tech salary, Richard struggles to save every month, with random expenses knocking him out as soon as they arise.

Mindy and Scott go through Richard’s income and expenses as well as his debts, much of which are forgivable student loans. Richard debates whether sticking with his perk-heavy government job is worth the pay difference he could gain in the private sector. And whether or not buying cash-flowing businesses is a smart move, especially for someone without much savings. If you’ve struggled to boost your bank account, this episode may hit close to home!




In This Episode We Cover

Public student loan forgiveness and the “trap” many government workers find themselves in

Emergency funds, safety reserves, and how to build one from scratch

When to change jobs for more pay vs. when to keep big benefits, but a lower salary

How to budget and the better way to track your expenses if you struggle to save

Buying a business and what it takes for first-time entrepreneurs

Creating a vivid vision of what your life, job, and business will look like in five to ten years

And So Much More!




Links from the Show

Find an Investor-Friendly Real Estate Agent

BiggerPockets Money Facebook Group

BiggerPockets Forums

Finance Review Guest Onboarding

Mindy's Twitter

Scott's Instagram

Listen to All Your Favorite BiggerPockets Podcasts in One Place

Apply to Be a Guest on The Money Show

Podcast Talent Search!

Subscribe to The “On The Market” YouTube Channel

Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets

Check Out Mindy’s 2022 Live Spending Tracker and Budget




Click here to check the full show notes: https://www.biggerpockets.com/blog/money-363




Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Check out our sponsor page!]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[Once you know how to save money, you can start stacking those savings to buy real estate and businesses or invest in long-term wealth-building investment accounts. But, without a steady stream of savings coming in, you're treading water, and one emergency expense could completely blow you off course. In a high-cost-of-living area like Washington, DC., this can seem even harder as rent, gas, and going out prices are far above the national average. But, there are some surefire ways to save (and make) more every month.

On this Finance Friday episode, we talk to Richard, a government tech worker who makes a great salary but could potentially be bringing in much more. Richard’s dream of being the President naturally led him to real estate investing, and now he’s focused on building bigger, stronger, and smarter income streams so he has ultimate time freedom (and a high net worth) in the next few decades. But even with his tech salary, Richard struggles to save every month, with random exp]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>362: Scott Trench’s Step-by-Step Guide to Building Your Perfect, 1-Page Investment Plan</title>
	<link>https://biggerpocketsmoney.com/podcast/362-scott-trenchs-step-by-step-guide-to-building-your-perfect-1-page-investment-plan/</link>
	<pubDate>Mon, 12 Dec 2022 07:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">gid://art19-episode-locator/V0/RqnfDL8RWpzMbsxClq0Hh_PvNwQhN6RVL_jb9_SEsC0</guid>
	<description><![CDATA[A financial plan puts you on the path to long-term wealth and a life rich in time freedom. So why don’t most Americans have one? Everyday workers are often so focused on paying bills and having a sliver of time to relax that they completely forget the whole reason many of us work—to one day do what we want, when we want, with who we want. So, if you’ve been on the grind, making money, wanting to build wealth, but don’t know where to start, this is the episode for you.

In it, Scott Trench walks through his “investment philosophy,” a simple, customizable plan that has allowed him to build wealth at record speed all in less than ten years. This document can be used by anyone in any position no matter how much you have invested or saved up. Once written, this simple financial plan gives you laser-focus on building wealth, so market crashes or corrections become a buying opportunity and slow months/years are something to cherish, not worry over.

Scott and Mindy walk through this document piece by piece, giving you the exact answers you need to build your investment plan today. Although this document may sound simple, it’s what will define your life’s effort for the foreseeable future and give you the structure you need to accomplish massive wealth-building goals that may have seemed almost impossible before!

Get the Personal Investment Philosophy Template Here!




In This Episode We Cover

Why creating a financial plan/investment philosophy is so crucial when building wealth 

Goal setting and discovering the principles of investing that you follow

How to set your “target state” and what to do after you’ve achieved your biggest goals

How to choose which asset classes to invest in (even if you’re brand new to investing)

Emergency funds, safety reserves, and when or when not to keep a large cash position

The three steps you can do TODAY that will fast-track your wealth-building

And So Much More!




Links from the Show

Find an Investor-Friendly Real Estate Agent

BiggerPockets Money Facebook Group

BiggerPockets Forums

Finance Review Guest Onboarding

Mindy's Twitter

Scott's Instagram

Listen to All Your Favorite BiggerPockets Podcasts in One Place

Apply to Be a Guest on The Money Show

Podcast Talent Search!

Subscribe to The “On The Market” YouTube Channel

Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets

Check Out Mindy’s 2022 Live Spending Tracker and Budget

Get the Personal Investment Philosophy Template Here! 

Finance Friday: First Down Market? Here’s How to Stop Stressing

The Money Date: What You Should (And Definitely Should Not) Do to Align Your Finances as a Couple




Click here to check the full show notes: https://www.biggerpockets.com/blog/money-362




Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Check out our sponsor page!]]></description>
	<itunes:subtitle><![CDATA[A financial plan puts you on the path to long-term wealth and a life rich in time freedom. So why don’t most Americans have one? Everyday workers are often so focused on paying bills and having a sliver of time to relax that they completely forget the wh]]></itunes:subtitle>
	<content:encoded><![CDATA[A financial plan puts you on the path to long-term wealth and a life rich in time freedom. So why don’t most Americans have one? Everyday workers are often so focused on paying bills and having a sliver of time to relax that they completely forget the whole reason many of us work—to one day do what we want, when we want, with who we want. So, if you’ve been on the grind, making money, wanting to build wealth, but don’t know where to start, this is the episode for you.

In it, Scott Trench walks through his “investment philosophy,” a simple, customizable plan that has allowed him to build wealth at record speed all in less than ten years. This document can be used by anyone in any position no matter how much you have invested or saved up. Once written, this simple financial plan gives you laser-focus on building wealth, so market crashes or corrections become a buying opportunity and slow months/years are something to cherish, not worry over.

Scott and Mindy walk through this document piece by piece, giving you the exact answers you need to build your investment plan today. Although this document may sound simple, it’s what will define your life’s effort for the foreseeable future and give you the structure you need to accomplish massive wealth-building goals that may have seemed almost impossible before!

Get the Personal Investment Philosophy Template Here!




In This Episode We Cover

Why creating a financial plan/investment philosophy is so crucial when building wealth 

Goal setting and discovering the principles of investing that you follow

How to set your “target state” and what to do after you’ve achieved your biggest goals

How to choose which asset classes to invest in (even if you’re brand new to investing)

Emergency funds, safety reserves, and when or when not to keep a large cash position

The three steps you can do TODAY that will fast-track your wealth-building

And So Much More!




Links from the Show

Find an Investor-Friendly Real Estate Agent

BiggerPockets Money Facebook Group

BiggerPockets Forums

Finance Review Guest Onboarding

Mindy's Twitter

Scott's Instagram

Listen to All Your Favorite BiggerPockets Podcasts in One Place

Apply to Be a Guest on The Money Show

Podcast Talent Search!

Subscribe to The “On The Market” YouTube Channel

Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets

Check Out Mindy’s 2022 Live Spending Tracker and Budget

Get the Personal Investment Philosophy Template Here! 

Finance Friday: First Down Market? Here’s How to Stop Stressing

The Money Date: What You Should (And Definitely Should Not) Do to Align Your Finances as a Couple




Click here to check the full show notes: https://www.biggerpockets.com/blog/money-362




Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Check out our sponsor page!]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC6384967033.mp3" length="48142327" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[A financial plan puts you on the path to long-term wealth and a life rich in time freedom. So why don’t most Americans have one? Everyday workers are often so focused on paying bills and having a sliver of time to relax that they completely forget the whole reason many of us work—to one day do what we want, when we want, with who we want. So, if you’ve been on the grind, making money, wanting to build wealth, but don’t know where to start, this is the episode for you.

In it, Scott Trench walks through his “investment philosophy,” a simple, customizable plan that has allowed him to build wealth at record speed all in less than ten years. This document can be used by anyone in any position no matter how much you have invested or saved up. Once written, this simple financial plan gives you laser-focus on building wealth, so market crashes or corrections become a buying opportunity and slow months/years are something to cherish, not worry over.

Scott and Mindy walk through this document piece by piece, giving you the exact answers you need to build your investment plan today. Although this document may sound simple, it’s what will define your life’s effort for the foreseeable future and give you the structure you need to accomplish massive wealth-building goals that may have seemed almost impossible before!

Get the Personal Investment Philosophy Template Here!




In This Episode We Cover

Why creating a financial plan/investment philosophy is so crucial when building wealth 

Goal setting and discovering the principles of investing that you follow

How to set your “target state” and what to do after you’ve achieved your biggest goals

How to choose which asset classes to invest in (even if you’re brand new to investing)

Emergency funds, safety reserves, and when or when not to keep a large cash position

The three steps you can do TODAY that will fast-track your wealth-building

And So Much More!




Links from the Show

Find an Investor-Friendly Real Estate Agent

BiggerPockets Money Facebook Group

BiggerPockets Forums

Finance Review Guest Onboarding

Mindy's Twitter

Scott's Instagram

Listen to All Your Favorite BiggerPockets Podcasts in One Place

Apply to Be a Guest on The Money Show

Podcast Talent Search!

Subscribe to The “On The Market” YouTube Channel

Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets

Check Out Mindy’s 2022 Live Spending Tracker and Budget

Get the Personal Investment Philosophy Template Here! 

Finance Friday: First Down Market? Here’s How to Stop Stressing

The Money Date: What You Should (And Definitely Should Not) Do to Align Your Finances as a Couple




Click here to check the full show notes: https://www.biggerpockets.com/blog/money-362




Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Check out our sponsor page!]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[A financial plan puts you on the path to long-term wealth and a life rich in time freedom. So why don’t most Americans have one? Everyday workers are often so focused on paying bills and having a sliver of time to relax that they completely forget the whole reason many of us work—to one day do what we want, when we want, with who we want. So, if you’ve been on the grind, making money, wanting to build wealth, but don’t know where to start, this is the episode for you.

In it, Scott Trench walks through his “investment philosophy,” a simple, customizable plan that has allowed him to build wealth at record speed all in less than ten years. This document can be used by anyone in any position no matter how much you have invested or saved up. Once written, this simple financial plan gives you laser-focus on building wealth, so market crashes or corrections become a buying opportunity and slow months/years are something to cherish, not worry over.

Scott and Mindy walk through this document]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>361: Finance Friday: Got Extra Cash? Here’s the Investment Plan for You</title>
	<link>https://biggerpocketsmoney.com/podcast/361-finance-friday-got-extra-cash-heres-the-investment-plan-for-you/</link>
	<pubDate>Fri, 09 Dec 2022 07:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">gid://art19-episode-locator/V0/BTMC0_Abbm9ch4zxj7RTZXJt9dyJAP7saJ9BeZ6THwM</guid>
	<description><![CDATA[Retirement planning is something best started early on. The more time you give yourself to invest, the faster your accounts can grow, giving you early financial independence well before the age of sixty-five. But what are the two best ways to do this? On one hand, you’ve got cash-flowing rentals that appreciate while giving you freedom-enabling income with long-term wealth growth. On the other hand, you’ve got passive retirement accounts, many of which can save you boatloads on taxes and grow discreetly in the background while you work away.

It’s hard to say which is a better bet, so why not do both? Today’s guest Benjamin is feeling a little under-diversified after heavily investing in real estate, but without much in his retirement accounts. Benjamin is well versed in the pros and cons of pre and post-tax retirement investing, but with a high income, he’s worried that he may have already reached the income cap for his Roth IRA. Thankfully, he’s unlocked the “holy grail” of retirement accounts, one that will skyrocket his retirement quicker than he thinks.

But before all of this is done, Benjamin and his partner need to build their investment plan. This will help them stay the course when life events come up, allowing them to still retire rich, hopefully in less than a decade. If you want to build your own investment plan, we highly recommend using the one from our own Scott Trench!




In This Episode We Cover

Paying off six figures of student debt and using the extra income to invest heavily

House hacking and using primary residences to build wealth

Roth IRA investing and what to do if you’ve hit the income limit

The best way to invest in your retirement with stocks and index funds

The right way to do diversification and safely building wealth at a young age

Speeding up your path to financial independence with rental property investing

And So Much More!




Links from the Show

Find an Investor-Friendly Real Estate Agent

BiggerPockets Money Facebook Group

BiggerPockets Forums

Finance Review Guest Onboarding

Mindy's Twitter

Scott's Instagram

Listen to All Your Favorite BiggerPockets Podcasts in One Place

Apply to Be a Guest on The Money Show

Podcast Talent Search!

Subscribe to The “On The Market” YouTube Channel

Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets

Check Out Mindy’s 2022 Live Spending Tracker and Budget

Fidelity Investments




Click here to check the full show notes: https://www.biggerpockets.com/blog/money-361

Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Check out our sponsor page!]]></description>
	<itunes:subtitle><![CDATA[Retirement planning is something best started early on. The more time you give yourself to invest, the faster your accounts can grow, giving you early financial independence well before the age of sixty-five. But what are the two best ways to do this? On]]></itunes:subtitle>
	<content:encoded><![CDATA[Retirement planning is something best started early on. The more time you give yourself to invest, the faster your accounts can grow, giving you early financial independence well before the age of sixty-five. But what are the two best ways to do this? On one hand, you’ve got cash-flowing rentals that appreciate while giving you freedom-enabling income with long-term wealth growth. On the other hand, you’ve got passive retirement accounts, many of which can save you boatloads on taxes and grow discreetly in the background while you work away.

It’s hard to say which is a better bet, so why not do both? Today’s guest Benjamin is feeling a little under-diversified after heavily investing in real estate, but without much in his retirement accounts. Benjamin is well versed in the pros and cons of pre and post-tax retirement investing, but with a high income, he’s worried that he may have already reached the income cap for his Roth IRA. Thankfully, he’s unlocked the “holy grail” of retirement accounts, one that will skyrocket his retirement quicker than he thinks.

But before all of this is done, Benjamin and his partner need to build their investment plan. This will help them stay the course when life events come up, allowing them to still retire rich, hopefully in less than a decade. If you want to build your own investment plan, we highly recommend using the one from our own Scott Trench!




In This Episode We Cover

Paying off six figures of student debt and using the extra income to invest heavily

House hacking and using primary residences to build wealth

Roth IRA investing and what to do if you’ve hit the income limit

The best way to invest in your retirement with stocks and index funds

The right way to do diversification and safely building wealth at a young age

Speeding up your path to financial independence with rental property investing

And So Much More!




Links from the Show

Find an Investor-Friendly Real Estate Agent

BiggerPockets Money Facebook Group

BiggerPockets Forums

Finance Review Guest Onboarding

Mindy's Twitter

Scott's Instagram

Listen to All Your Favorite BiggerPockets Podcasts in One Place

Apply to Be a Guest on The Money Show

Podcast Talent Search!

Subscribe to The “On The Market” YouTube Channel

Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets

Check Out Mindy’s 2022 Live Spending Tracker and Budget

Fidelity Investments




Click here to check the full show notes: https://www.biggerpockets.com/blog/money-361

Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Check out our sponsor page!]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC9714314284.mp3" length="50985660" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[Retirement planning is something best started early on. The more time you give yourself to invest, the faster your accounts can grow, giving you early financial independence well before the age of sixty-five. But what are the two best ways to do this? On one hand, you’ve got cash-flowing rentals that appreciate while giving you freedom-enabling income with long-term wealth growth. On the other hand, you’ve got passive retirement accounts, many of which can save you boatloads on taxes and grow discreetly in the background while you work away.

It’s hard to say which is a better bet, so why not do both? Today’s guest Benjamin is feeling a little under-diversified after heavily investing in real estate, but without much in his retirement accounts. Benjamin is well versed in the pros and cons of pre and post-tax retirement investing, but with a high income, he’s worried that he may have already reached the income cap for his Roth IRA. Thankfully, he’s unlocked the “holy grail” of retirement accounts, one that will skyrocket his retirement quicker than he thinks.

But before all of this is done, Benjamin and his partner need to build their investment plan. This will help them stay the course when life events come up, allowing them to still retire rich, hopefully in less than a decade. If you want to build your own investment plan, we highly recommend using the one from our own Scott Trench!




In This Episode We Cover

Paying off six figures of student debt and using the extra income to invest heavily

House hacking and using primary residences to build wealth

Roth IRA investing and what to do if you’ve hit the income limit

The best way to invest in your retirement with stocks and index funds

The right way to do diversification and safely building wealth at a young age

Speeding up your path to financial independence with rental property investing

And So Much More!




Links from the Show

Find an Investor-Friendly Real Estate Agent

BiggerPockets Money Facebook Group

BiggerPockets Forums

Finance Review Guest Onboarding

Mindy's Twitter

Scott's Instagram

Listen to All Your Favorite BiggerPockets Podcasts in One Place

Apply to Be a Guest on The Money Show

Podcast Talent Search!

Subscribe to The “On The Market” YouTube Channel

Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets

Check Out Mindy’s 2022 Live Spending Tracker and Budget

Fidelity Investments




Click here to check the full show notes: https://www.biggerpockets.com/blog/money-361

Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Check out our sponsor page!]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[Retirement planning is something best started early on. The more time you give yourself to invest, the faster your accounts can grow, giving you early financial independence well before the age of sixty-five. But what are the two best ways to do this? On one hand, you’ve got cash-flowing rentals that appreciate while giving you freedom-enabling income with long-term wealth growth. On the other hand, you’ve got passive retirement accounts, many of which can save you boatloads on taxes and grow discreetly in the background while you work away.

It’s hard to say which is a better bet, so why not do both? Today’s guest Benjamin is feeling a little under-diversified after heavily investing in real estate, but without much in his retirement accounts. Benjamin is well versed in the pros and cons of pre and post-tax retirement investing, but with a high income, he’s worried that he may have already reached the income cap for his Roth IRA. Thankfully, he’s unlocked the “holy grail” of retireme]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>360: Year-End Tax Tips and How to Owe Even Less in 2023</title>
	<link>https://biggerpocketsmoney.com/podcast/360-year-end-tax-tips-and-how-to-owe-even-less-in-2023/</link>
	<pubDate>Mon, 05 Dec 2022 07:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">gid://art19-episode-locator/V0/GjhqoUi31VKKRwXwRdlWG57St0X7gxRTmW9pWR8fVj4</guid>
	<description><![CDATA[If you talk about how to avoid taxes, most people will think you’re doing something fishy in the eyes of the IRS. Very few know you can use the tax code to massively lower your year-end burden, all while making an ordinary income. Real estate investors have been doing this for years, using so-called “tax cheat codes” like depreciation and cost segregation studies to write off massive paper losses on their taxes. But how do they do it, and if you’re an investor, can you do the same?

Natalie Kolodij, IRS Enrolled Agent, works exclusively with real estate investors to lower their taxes as much as legally possible. She knows the tricks of the trade that allow investors to not only pay less at the end of the year but grow their businesses more efficiently so financial freedom comes even faster! Natalie is also an active real estate investor and part of the FIRE movement, so if there’s one person who knows the right tax moves to make, it’s her!

Natalie gives us a masterclass on how investors can lower their 2022 taxes as the year comes to an end, how to set yourself up for a successful 2023, and the massive real estate tax write-offs you should be utilizing. She also touches on how much CPAs and tax preparers can cost, when to start strategizing your taxes, backdoor Roths, and how to legally pay your children tax-free income so they get a boost on their financial future.




In This Episode We Cover

Year-end tax tips to lower your 2022 taxes as much as possible

When to hire a CPA or tax preparer (and how much they’ll cost you)

2023 tax deductions for real estate investors and what you should take advantage of NOW

How to get your children investing early with tax-free income from your business

The biggest tax mistakes that investors make and why you may be overpaying in taxes

Cost segregation studies, bonus depreciation, and how to cancel out the capital gains of a home sale

And So Much More!




Links from the Show

Find an Investor-Friendly Real Estate Agent

BiggerPockets Money Facebook Group

BiggerPockets Forums

Finance Review Guest Onboarding

Mindy's Twitter

Listen to All Your Favorite BiggerPockets Podcasts in One Place

Apply to Be a Guest on The Money Show

Podcast Talent Search!

Subscribe to The “On The Market” YouTube Channel

Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets

Check Out Mindy’s 2022 Live Spending Tracker and Budget

Choosing the Right Tax Professional for YOUR Specific Needs

BiggerPockets Money Bonus Episode: CARES Act: Everything You NEED to Know About the Coronavirus Stimulus Package

Landlord Tax Loopholes That’ll Help You Pay ZERO Taxes in 2022




Click here to check the full show notes: https://www.biggerpockets.com/blog/money-360




Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Check out our sponsor page!]]></description>
	<itunes:subtitle><![CDATA[If you talk about how to avoid taxes, most people will think you’re doing something fishy in the eyes of the IRS. Very few know you can use the tax code to massively lower your year-end burden, all while making an ordinary income. Real estate investors h]]></itunes:subtitle>
	<content:encoded><![CDATA[If you talk about how to avoid taxes, most people will think you’re doing something fishy in the eyes of the IRS. Very few know you can use the tax code to massively lower your year-end burden, all while making an ordinary income. Real estate investors have been doing this for years, using so-called “tax cheat codes” like depreciation and cost segregation studies to write off massive paper losses on their taxes. But how do they do it, and if you’re an investor, can you do the same?

Natalie Kolodij, IRS Enrolled Agent, works exclusively with real estate investors to lower their taxes as much as legally possible. She knows the tricks of the trade that allow investors to not only pay less at the end of the year but grow their businesses more efficiently so financial freedom comes even faster! Natalie is also an active real estate investor and part of the FIRE movement, so if there’s one person who knows the right tax moves to make, it’s her!

Natalie gives us a masterclass on how investors can lower their 2022 taxes as the year comes to an end, how to set yourself up for a successful 2023, and the massive real estate tax write-offs you should be utilizing. She also touches on how much CPAs and tax preparers can cost, when to start strategizing your taxes, backdoor Roths, and how to legally pay your children tax-free income so they get a boost on their financial future.




In This Episode We Cover

Year-end tax tips to lower your 2022 taxes as much as possible

When to hire a CPA or tax preparer (and how much they’ll cost you)

2023 tax deductions for real estate investors and what you should take advantage of NOW

How to get your children investing early with tax-free income from your business

The biggest tax mistakes that investors make and why you may be overpaying in taxes

Cost segregation studies, bonus depreciation, and how to cancel out the capital gains of a home sale

And So Much More!




Links from the Show

Find an Investor-Friendly Real Estate Agent

BiggerPockets Money Facebook Group

BiggerPockets Forums

Finance Review Guest Onboarding

Mindy's Twitter

Listen to All Your Favorite BiggerPockets Podcasts in One Place

Apply to Be a Guest on The Money Show

Podcast Talent Search!

Subscribe to The “On The Market” YouTube Channel

Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets

Check Out Mindy’s 2022 Live Spending Tracker and Budget

Choosing the Right Tax Professional for YOUR Specific Needs

BiggerPockets Money Bonus Episode: CARES Act: Everything You NEED to Know About the Coronavirus Stimulus Package

Landlord Tax Loopholes That’ll Help You Pay ZERO Taxes in 2022




Click here to check the full show notes: https://www.biggerpockets.com/blog/money-360




Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Check out our sponsor page!]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC2208236780.mp3" length="43815248" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[If you talk about how to avoid taxes, most people will think you’re doing something fishy in the eyes of the IRS. Very few know you can use the tax code to massively lower your year-end burden, all while making an ordinary income. Real estate investors have been doing this for years, using so-called “tax cheat codes” like depreciation and cost segregation studies to write off massive paper losses on their taxes. But how do they do it, and if you’re an investor, can you do the same?

Natalie Kolodij, IRS Enrolled Agent, works exclusively with real estate investors to lower their taxes as much as legally possible. She knows the tricks of the trade that allow investors to not only pay less at the end of the year but grow their businesses more efficiently so financial freedom comes even faster! Natalie is also an active real estate investor and part of the FIRE movement, so if there’s one person who knows the right tax moves to make, it’s her!

Natalie gives us a masterclass on how investors can lower their 2022 taxes as the year comes to an end, how to set yourself up for a successful 2023, and the massive real estate tax write-offs you should be utilizing. She also touches on how much CPAs and tax preparers can cost, when to start strategizing your taxes, backdoor Roths, and how to legally pay your children tax-free income so they get a boost on their financial future.




In This Episode We Cover

Year-end tax tips to lower your 2022 taxes as much as possible

When to hire a CPA or tax preparer (and how much they’ll cost you)

2023 tax deductions for real estate investors and what you should take advantage of NOW

How to get your children investing early with tax-free income from your business

The biggest tax mistakes that investors make and why you may be overpaying in taxes

Cost segregation studies, bonus depreciation, and how to cancel out the capital gains of a home sale

And So Much More!




Links from the Show

Find an Investor-Friendly Real Estate Agent

BiggerPockets Money Facebook Group

BiggerPockets Forums

Finance Review Guest Onboarding

Mindy's Twitter

Listen to All Your Favorite BiggerPockets Podcasts in One Place

Apply to Be a Guest on The Money Show

Podcast Talent Search!

Subscribe to The “On The Market” YouTube Channel

Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets

Check Out Mindy’s 2022 Live Spending Tracker and Budget

Choosing the Right Tax Professional for YOUR Specific Needs

BiggerPockets Money Bonus Episode: CARES Act: Everything You NEED to Know About the Coronavirus Stimulus Package

Landlord Tax Loopholes That’ll Help You Pay ZERO Taxes in 2022




Click here to check the full show notes: https://www.biggerpockets.com/blog/money-360




Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Check out our sponsor page!]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[If you talk about how to avoid taxes, most people will think you’re doing something fishy in the eyes of the IRS. Very few know you can use the tax code to massively lower your year-end burden, all while making an ordinary income. Real estate investors have been doing this for years, using so-called “tax cheat codes” like depreciation and cost segregation studies to write off massive paper losses on their taxes. But how do they do it, and if you’re an investor, can you do the same?

Natalie Kolodij, IRS Enrolled Agent, works exclusively with real estate investors to lower their taxes as much as legally possible. She knows the tricks of the trade that allow investors to not only pay less at the end of the year but grow their businesses more efficiently so financial freedom comes even faster! Natalie is also an active real estate investor and part of the FIRE movement, so if there’s one person who knows the right tax moves to make, it’s her!

Natalie gives us a masterclass on how invest]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>359: Finance Friday: My Home Renovation Put Me in a HELOC Hole</title>
	<link>https://biggerpocketsmoney.com/podcast/359-finance-friday-my-home-renovation-put-me-in-a-heloc-hole/</link>
	<pubDate>Fri, 02 Dec 2022 07:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">gid://art19-episode-locator/V0/m7FRdoboNwANoxUMO40m-Iw8BLzoeBMGvEbuxSFPL0Q</guid>
	<description><![CDATA[The house hack strategy doesn’t always run smoothly. Turning an old home into a modern, rentable masterpiece takes money—especially if you’re doing a big renovation. One of the easiest ways to get the rehab funds you need? A home equity line of credit (HELOC). But, when used incorrectly, a HELOC’s adjustable interest rate can bury any chance you have at cash flowing, no matter how great of a mortgage rate you get.

Welcome back to another Finance Friday episode! This time around, we’re tackling a rental property problem that is plaguing today’s guest, Josh. Josh has made some sound financial moves by having a stable income, a great side hustle, and his newest house hack. But, to maximize this house hack’s return on investment, Josh was forced to expand and convert many portions of his newly bought, hundred-and-fifty-year-old home. This forced his budget to shoot up higher than he was expecting. Now, he’s trying to figure out the best move as he manages his debt spread across his mortgage, a high-interest HELOC, a family loan, and more.

Josh is poised to continue investing in real estate even after this intensive experience. He wants advice from veteran landlords Mindy and Scott on what his next move should be, how he can best capitalize on his remodeled home, and when he might be able to buy the next house hack. If you’re looking to reach financial freedom using real estate like Josh is, this episode is for you!




In This Episode We Cover

The house hack strategy and why it’s a phenomenal way for new investors to build wealth

Home equity lines of credit (HELOCs) and when using this type of debt makes sense

Home renovation budgeting and what to expect when doing an entire house remodel

Velocity banking and why this form of leverage isn’t a smart move to make now

When to sell a rental property and when to keep a cash-flowing investment

The medium-term rental strategy and how to get higher rents for the same room or unit

And So Much More!




Links from the Show

Find an Investor-Friendly Real Estate Agent

BiggerPockets Money Facebook Group

BiggerPockets Forums

Finance Review Guest Onboarding

Mindy's Twitter

Scott's Instagram

Listen to All Your Favorite BiggerPockets Podcasts in One Place

Apply to Be a Guest on The Money Show

Podcast Talent Search!

Subscribe to The “On The Market” YouTube Channel

Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets

Check Out Mindy’s 2022 Live Spending Tracker and Budget




Click here to check the full show notes: https://www.biggerpockets.com/blog/money-359

Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Check out our sponsor page!]]></description>
	<itunes:subtitle><![CDATA[The house hack strategy doesn’t always run smoothly. Turning an old home into a modern, rentable masterpiece takes money—especially if you’re doing a big renovation. One of the easiest ways to get the rehab funds you need? A home equity line of credit (H]]></itunes:subtitle>
	<content:encoded><![CDATA[The house hack strategy doesn’t always run smoothly. Turning an old home into a modern, rentable masterpiece takes money—especially if you’re doing a big renovation. One of the easiest ways to get the rehab funds you need? A home equity line of credit (HELOC). But, when used incorrectly, a HELOC’s adjustable interest rate can bury any chance you have at cash flowing, no matter how great of a mortgage rate you get.

Welcome back to another Finance Friday episode! This time around, we’re tackling a rental property problem that is plaguing today’s guest, Josh. Josh has made some sound financial moves by having a stable income, a great side hustle, and his newest house hack. But, to maximize this house hack’s return on investment, Josh was forced to expand and convert many portions of his newly bought, hundred-and-fifty-year-old home. This forced his budget to shoot up higher than he was expecting. Now, he’s trying to figure out the best move as he manages his debt spread across his mortgage, a high-interest HELOC, a family loan, and more.

Josh is poised to continue investing in real estate even after this intensive experience. He wants advice from veteran landlords Mindy and Scott on what his next move should be, how he can best capitalize on his remodeled home, and when he might be able to buy the next house hack. If you’re looking to reach financial freedom using real estate like Josh is, this episode is for you!




In This Episode We Cover

The house hack strategy and why it’s a phenomenal way for new investors to build wealth

Home equity lines of credit (HELOCs) and when using this type of debt makes sense

Home renovation budgeting and what to expect when doing an entire house remodel

Velocity banking and why this form of leverage isn’t a smart move to make now

When to sell a rental property and when to keep a cash-flowing investment

The medium-term rental strategy and how to get higher rents for the same room or unit

And So Much More!




Links from the Show

Find an Investor-Friendly Real Estate Agent

BiggerPockets Money Facebook Group

BiggerPockets Forums

Finance Review Guest Onboarding

Mindy's Twitter

Scott's Instagram

Listen to All Your Favorite BiggerPockets Podcasts in One Place

Apply to Be a Guest on The Money Show

Podcast Talent Search!

Subscribe to The “On The Market” YouTube Channel

Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets

Check Out Mindy’s 2022 Live Spending Tracker and Budget




Click here to check the full show notes: https://www.biggerpockets.com/blog/money-359

Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Check out our sponsor page!]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC7622532786.mp3" length="60358619" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[The house hack strategy doesn’t always run smoothly. Turning an old home into a modern, rentable masterpiece takes money—especially if you’re doing a big renovation. One of the easiest ways to get the rehab funds you need? A home equity line of credit (HELOC). But, when used incorrectly, a HELOC’s adjustable interest rate can bury any chance you have at cash flowing, no matter how great of a mortgage rate you get.

Welcome back to another Finance Friday episode! This time around, we’re tackling a rental property problem that is plaguing today’s guest, Josh. Josh has made some sound financial moves by having a stable income, a great side hustle, and his newest house hack. But, to maximize this house hack’s return on investment, Josh was forced to expand and convert many portions of his newly bought, hundred-and-fifty-year-old home. This forced his budget to shoot up higher than he was expecting. Now, he’s trying to figure out the best move as he manages his debt spread across his mortgage, a high-interest HELOC, a family loan, and more.

Josh is poised to continue investing in real estate even after this intensive experience. He wants advice from veteran landlords Mindy and Scott on what his next move should be, how he can best capitalize on his remodeled home, and when he might be able to buy the next house hack. If you’re looking to reach financial freedom using real estate like Josh is, this episode is for you!




In This Episode We Cover

The house hack strategy and why it’s a phenomenal way for new investors to build wealth

Home equity lines of credit (HELOCs) and when using this type of debt makes sense

Home renovation budgeting and what to expect when doing an entire house remodel

Velocity banking and why this form of leverage isn’t a smart move to make now

When to sell a rental property and when to keep a cash-flowing investment

The medium-term rental strategy and how to get higher rents for the same room or unit

And So Much More!




Links from the Show

Find an Investor-Friendly Real Estate Agent

BiggerPockets Money Facebook Group

BiggerPockets Forums

Finance Review Guest Onboarding

Mindy's Twitter

Scott's Instagram

Listen to All Your Favorite BiggerPockets Podcasts in One Place

Apply to Be a Guest on The Money Show

Podcast Talent Search!

Subscribe to The “On The Market” YouTube Channel

Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets

Check Out Mindy’s 2022 Live Spending Tracker and Budget




Click here to check the full show notes: https://www.biggerpockets.com/blog/money-359

Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Check out our sponsor page!]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[The house hack strategy doesn’t always run smoothly. Turning an old home into a modern, rentable masterpiece takes money—especially if you’re doing a big renovation. One of the easiest ways to get the rehab funds you need? A home equity line of credit (HELOC). But, when used incorrectly, a HELOC’s adjustable interest rate can bury any chance you have at cash flowing, no matter how great of a mortgage rate you get.

Welcome back to another Finance Friday episode! This time around, we’re tackling a rental property problem that is plaguing today’s guest, Josh. Josh has made some sound financial moves by having a stable income, a great side hustle, and his newest house hack. But, to maximize this house hack’s return on investment, Josh was forced to expand and convert many portions of his newly bought, hundred-and-fifty-year-old home. This forced his budget to shoot up higher than he was expecting. Now, he’s trying to figure out the best move as he manages his debt spread across his mortg]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>358: Giving Tuesday 2022: Which Charities Will Use Your Money Wisely?</title>
	<link>https://biggerpocketsmoney.com/podcast/358-giving-tuesday-2022-which-charities-will-use-your-money-wisely/</link>
	<pubDate>Tue, 29 Nov 2022 07:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">gid://art19-episode-locator/V0/TCxmUSBAe4NdXtx1L4tJCBbrdk0nOPXeT1v4zJROHhs</guid>
	<description><![CDATA[For the past decade, Giving Tuesday has been a way for everyday Americans to donate their money, or time, to charities and causes that help collectively make the world a better place. Whether it’s a little or a lot, we’re encouraged to give what we can to bridge the gap between those that have so little and many of us that have so much. But how do you know a charity or organization is using your donation accordingly? How can you spot-check to see if your dollars are being used for those in dire need?

We brought on Elie Hassenfeld, GiveWell co-founder and CEO, to help us navigate the tricky subject of giving to worthwhile charities. Elie knows a thing or two about validating which charities are worth donating to. At GiveWell, he spends his days researching thousands of charities for hundreds of millions of donatable dollars, helping those of us that are too busy to find a home for the donations that we are willing to give.

In just six tips, Elie will give you the framework for finding a worthwhile charity or organization to give to, so you know that your dollar is being stretched the farthest it can. We also touch on whether or not high administration costs are ared flag, whether it's better to give goods rather than money, and how to truly measure an organization's impact to see how many lives they’re saving or improving with each dollar donated. If you're still on the fence about where to give this Giving Tuesday, head over to GiveWell.org to know your dollar is making a difference! 




In This Episode We Cover

Why donating overseas has much more of an economic impact than domestic donations

How GiveWell validates the charities they approve and how to do the same in your local area

Top tips for finding a charity that will use your dollar for its highest use

Red flags to watch out for when researching charities and organizations

GiveWell’s past mistakes and how they’re using them to grow a better organization

Top charities that both GiveWell and BiggerPockets recommend donating to (like CrossPurpose!)

And So Much More!




Links from the Show

Find an Investor-Friendly Real Estate Agent

BiggerPockets Money Facebook Group

BiggerPockets Forums

Finance Review Guest Onboarding

Mindy's Twitter

Scott's Instagram

Listen to All Your Favorite BiggerPockets Podcasts in One Place

Apply to Be a Guest on The Money Show

Podcast Talent Search!

Subscribe to The “On The Market” YouTube Channel

Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets

Check Out Mindy’s 2022 Live Spending Tracker and Budget

Give Well

 

Click here to check the full show notes: https://www.biggerpockets.com/blog/money-358




Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Check out our sponsor page!]]></description>
	<itunes:subtitle><![CDATA[For the past decade, Giving Tuesday has been a way for everyday Americans to donate their money, or time, to charities and causes that help collectively make the world a better place. Whether it’s a little or a lot, we’re encouraged to give what we can t]]></itunes:subtitle>
	<content:encoded><![CDATA[For the past decade, Giving Tuesday has been a way for everyday Americans to donate their money, or time, to charities and causes that help collectively make the world a better place. Whether it’s a little or a lot, we’re encouraged to give what we can to bridge the gap between those that have so little and many of us that have so much. But how do you know a charity or organization is using your donation accordingly? How can you spot-check to see if your dollars are being used for those in dire need?

We brought on Elie Hassenfeld, GiveWell co-founder and CEO, to help us navigate the tricky subject of giving to worthwhile charities. Elie knows a thing or two about validating which charities are worth donating to. At GiveWell, he spends his days researching thousands of charities for hundreds of millions of donatable dollars, helping those of us that are too busy to find a home for the donations that we are willing to give.

In just six tips, Elie will give you the framework for finding a worthwhile charity or organization to give to, so you know that your dollar is being stretched the farthest it can. We also touch on whether or not high administration costs are ared flag, whether it's better to give goods rather than money, and how to truly measure an organization's impact to see how many lives they’re saving or improving with each dollar donated. If you're still on the fence about where to give this Giving Tuesday, head over to GiveWell.org to know your dollar is making a difference! 




In This Episode We Cover

Why donating overseas has much more of an economic impact than domestic donations

How GiveWell validates the charities they approve and how to do the same in your local area

Top tips for finding a charity that will use your dollar for its highest use

Red flags to watch out for when researching charities and organizations

GiveWell’s past mistakes and how they’re using them to grow a better organization

Top charities that both GiveWell and BiggerPockets recommend donating to (like CrossPurpose!)

And So Much More!




Links from the Show

Find an Investor-Friendly Real Estate Agent

BiggerPockets Money Facebook Group

BiggerPockets Forums

Finance Review Guest Onboarding

Mindy's Twitter

Scott's Instagram

Listen to All Your Favorite BiggerPockets Podcasts in One Place

Apply to Be a Guest on The Money Show

Podcast Talent Search!

Subscribe to The “On The Market” YouTube Channel

Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets

Check Out Mindy’s 2022 Live Spending Tracker and Budget

Give Well

 

Click here to check the full show notes: https://www.biggerpockets.com/blog/money-358




Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Check out our sponsor page!]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC7668726666.mp3" length="48962030" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[For the past decade, Giving Tuesday has been a way for everyday Americans to donate their money, or time, to charities and causes that help collectively make the world a better place. Whether it’s a little or a lot, we’re encouraged to give what we can to bridge the gap between those that have so little and many of us that have so much. But how do you know a charity or organization is using your donation accordingly? How can you spot-check to see if your dollars are being used for those in dire need?

We brought on Elie Hassenfeld, GiveWell co-founder and CEO, to help us navigate the tricky subject of giving to worthwhile charities. Elie knows a thing or two about validating which charities are worth donating to. At GiveWell, he spends his days researching thousands of charities for hundreds of millions of donatable dollars, helping those of us that are too busy to find a home for the donations that we are willing to give.

In just six tips, Elie will give you the framework for finding a worthwhile charity or organization to give to, so you know that your dollar is being stretched the farthest it can. We also touch on whether or not high administration costs are ared flag, whether it's better to give goods rather than money, and how to truly measure an organization's impact to see how many lives they’re saving or improving with each dollar donated. If you're still on the fence about where to give this Giving Tuesday, head over to GiveWell.org to know your dollar is making a difference! 




In This Episode We Cover

Why donating overseas has much more of an economic impact than domestic donations

How GiveWell validates the charities they approve and how to do the same in your local area

Top tips for finding a charity that will use your dollar for its highest use

Red flags to watch out for when researching charities and organizations

GiveWell’s past mistakes and how they’re using them to grow a better organization

Top charities that both GiveWell and BiggerPockets recommend donating to (like CrossPurpose!)

And So Much More!




Links from the Show

Find an Investor-Friendly Real Estate Agent

BiggerPockets Money Facebook Group

BiggerPockets Forums

Finance Review Guest Onboarding

Mindy's Twitter

Scott's Instagram

Listen to All Your Favorite BiggerPockets Podcasts in One Place

Apply to Be a Guest on The Money Show

Podcast Talent Search!

Subscribe to The “On The Market” YouTube Channel

Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets

Check Out Mindy’s 2022 Live Spending Tracker and Budget

Give Well

 

Click here to check the full show notes: https://www.biggerpockets.com/blog/money-358




Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Check out our sponsor page!]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[For the past decade, Giving Tuesday has been a way for everyday Americans to donate their money, or time, to charities and causes that help collectively make the world a better place. Whether it’s a little or a lot, we’re encouraged to give what we can to bridge the gap between those that have so little and many of us that have so much. But how do you know a charity or organization is using your donation accordingly? How can you spot-check to see if your dollars are being used for those in dire need?

We brought on Elie Hassenfeld, GiveWell co-founder and CEO, to help us navigate the tricky subject of giving to worthwhile charities. Elie knows a thing or two about validating which charities are worth donating to. At GiveWell, he spends his days researching thousands of charities for hundreds of millions of donatable dollars, helping those of us that are too busy to find a home for the donations that we are willing to give.

In just six tips, Elie will give you the framework for findin]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>357: Budgeting for a Baby: The Costs EVERY New Parent Should Expect</title>
	<link>https://biggerpocketsmoney.com/podcast/357-budgeting-for-a-baby-the-costs-every-new-parent-should-expect/</link>
	<pubDate>Mon, 28 Nov 2022 07:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">gid://art19-episode-locator/V0/yTIKBhxJEOjOSRXRomW4Yny71ESMcKiPx7HEVY7spjE</guid>
	<description><![CDATA[The cost of raising a child is constantly changing. Every year, a new article comes out claiming that the cost of raising a child is hundreds of thousands of dollars. But is this figure accurate? Could kids actually cost far less than this, or does a few hundred thousand barely even scratch the service? What should new parents know before they bring home their first bundle of joy, and is financial independence even worth pursuing while raising a kid, let alone a few?

We brought in the Investor Mama, Jen Narciso, who is not only raising kids but also chasing financial independenceand running her own podcast. Jen speaks to mothers all around the world who not only want the best for their children's futures but their finances as well. And, as someone raising two young children, she knows how much kids truly costbetween the car seats, formula, dance classes, doctors' bills, and everything in between.

And, with Scott as a new dad, he’s got some serious questions to ask about how he can best raise his own daughter on a budget without sacrificing any quality of life in the process. Jen talks through the surprise expenses that most new parents overlook, how to save money on some of the most expensive items you need, the cost of child care and how to make it affordable, and whether to invest for your child’s future or your future retirement!




In This Episode We Cover

The average annual cost of raising a child and why it’s not what you’d expect

Common child care costs and innovative ways to significantly lower your spending

Surprise expenses you should prepare for and why you always need an emergency fund

Money tips for new parents and how to sleep soundly even if you’re not financially free yet

Roth IRA investing for your child and how to fast-track them to financial freedom even earlier

Medical costs of having a child from delivery to regular doctors visits

And So Much More!

Links from the Show

Find an Investor-Friendly Real Estate Agent

BiggerPockets Money Facebook Group

BiggerPockets Forums

Finance Review Guest Onboarding

Mindy's Twitter

Scott's Instagram

Listen to All Your Favorite BiggerPockets Podcasts in One Place

Apply to Be a Guest on The Money Show

Podcast Talent Search!

Subscribe to The “On The Market” YouTube Channel

Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets

Check Out Mindy’s 2022 Live Spending Tracker and Budget

Toysrus

InvestorMama Podcast

4 Ways Real Estate Can Help Offset the Staggering Cost of Having Kids

Taxes, Backdoor Roths, Options, and How to Max Out Your Childrens’ Roths




Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Check out our sponsor page!]]></description>
	<itunes:subtitle><![CDATA[The cost of raising a child is constantly changing. Every year, a new article comes out claiming that the cost of raising a child is hundreds of thousands of dollars. But is this figure accurate? Could kids actually cost far less than this, or does a few]]></itunes:subtitle>
	<content:encoded><![CDATA[The cost of raising a child is constantly changing. Every year, a new article comes out claiming that the cost of raising a child is hundreds of thousands of dollars. But is this figure accurate? Could kids actually cost far less than this, or does a few hundred thousand barely even scratch the service? What should new parents know before they bring home their first bundle of joy, and is financial independence even worth pursuing while raising a kid, let alone a few?

We brought in the Investor Mama, Jen Narciso, who is not only raising kids but also chasing financial independenceand running her own podcast. Jen speaks to mothers all around the world who not only want the best for their children's futures but their finances as well. And, as someone raising two young children, she knows how much kids truly costbetween the car seats, formula, dance classes, doctors' bills, and everything in between.

And, with Scott as a new dad, he’s got some serious questions to ask about how he can best raise his own daughter on a budget without sacrificing any quality of life in the process. Jen talks through the surprise expenses that most new parents overlook, how to save money on some of the most expensive items you need, the cost of child care and how to make it affordable, and whether to invest for your child’s future or your future retirement!




In This Episode We Cover

The average annual cost of raising a child and why it’s not what you’d expect

Common child care costs and innovative ways to significantly lower your spending

Surprise expenses you should prepare for and why you always need an emergency fund

Money tips for new parents and how to sleep soundly even if you’re not financially free yet

Roth IRA investing for your child and how to fast-track them to financial freedom even earlier

Medical costs of having a child from delivery to regular doctors visits

And So Much More!

Links from the Show

Find an Investor-Friendly Real Estate Agent

BiggerPockets Money Facebook Group

BiggerPockets Forums

Finance Review Guest Onboarding

Mindy's Twitter

Scott's Instagram

Listen to All Your Favorite BiggerPockets Podcasts in One Place

Apply to Be a Guest on The Money Show

Podcast Talent Search!

Subscribe to The “On The Market” YouTube Channel

Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets

Check Out Mindy’s 2022 Live Spending Tracker and Budget

Toysrus

InvestorMama Podcast

4 Ways Real Estate Can Help Offset the Staggering Cost of Having Kids

Taxes, Backdoor Roths, Options, and How to Max Out Your Childrens’ Roths




Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Check out our sponsor page!]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC1594613004.mp3" length="59209799" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[The cost of raising a child is constantly changing. Every year, a new article comes out claiming that the cost of raising a child is hundreds of thousands of dollars. But is this figure accurate? Could kids actually cost far less than this, or does a few hundred thousand barely even scratch the service? What should new parents know before they bring home their first bundle of joy, and is financial independence even worth pursuing while raising a kid, let alone a few?

We brought in the Investor Mama, Jen Narciso, who is not only raising kids but also chasing financial independenceand running her own podcast. Jen speaks to mothers all around the world who not only want the best for their children's futures but their finances as well. And, as someone raising two young children, she knows how much kids truly costbetween the car seats, formula, dance classes, doctors' bills, and everything in between.

And, with Scott as a new dad, he’s got some serious questions to ask about how he can best raise his own daughter on a budget without sacrificing any quality of life in the process. Jen talks through the surprise expenses that most new parents overlook, how to save money on some of the most expensive items you need, the cost of child care and how to make it affordable, and whether to invest for your child’s future or your future retirement!




In This Episode We Cover

The average annual cost of raising a child and why it’s not what you’d expect

Common child care costs and innovative ways to significantly lower your spending

Surprise expenses you should prepare for and why you always need an emergency fund

Money tips for new parents and how to sleep soundly even if you’re not financially free yet

Roth IRA investing for your child and how to fast-track them to financial freedom even earlier

Medical costs of having a child from delivery to regular doctors visits

And So Much More!

Links from the Show

Find an Investor-Friendly Real Estate Agent

BiggerPockets Money Facebook Group

BiggerPockets Forums

Finance Review Guest Onboarding

Mindy's Twitter

Scott's Instagram

Listen to All Your Favorite BiggerPockets Podcasts in One Place

Apply to Be a Guest on The Money Show

Podcast Talent Search!

Subscribe to The “On The Market” YouTube Channel

Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets

Check Out Mindy’s 2022 Live Spending Tracker and Budget

Toysrus

InvestorMama Podcast

4 Ways Real Estate Can Help Offset the Staggering Cost of Having Kids

Taxes, Backdoor Roths, Options, and How to Max Out Your Childrens’ Roths




Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Check out our sponsor page!]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[The cost of raising a child is constantly changing. Every year, a new article comes out claiming that the cost of raising a child is hundreds of thousands of dollars. But is this figure accurate? Could kids actually cost far less than this, or does a few hundred thousand barely even scratch the service? What should new parents know before they bring home their first bundle of joy, and is financial independence even worth pursuing while raising a kid, let alone a few?

We brought in the Investor Mama, Jen Narciso, who is not only raising kids but also chasing financial independenceand running her own podcast. Jen speaks to mothers all around the world who not only want the best for their children's futures but their finances as well. And, as someone raising two young children, she knows how much kids truly costbetween the car seats, formula, dance classes, doctors' bills, and everything in between.

And, with Scott as a new dad, he’s got some serious questions to ask about how he can b]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>356: Finance Friday: First Down Market? Here’s How to Stop Stressing</title>
	<link>https://biggerpocketsmoney.com/podcast/356-finance-friday-first-down-market-heres-how-to-stop-stressing/</link>
	<pubDate>Fri, 25 Nov 2022 07:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">gid://art19-episode-locator/V0/QE1esna5e8YIDG5LZO2GgsQ943RNvUoX-raoRAQYYUE</guid>
	<description><![CDATA[Tech stocks were slam dunk investments for the past decade. No matter what you invested in—Google, Facebook, Amazon, or even some obscure AI toaster company—you probably made decent returns. But, after years of continuous economic growth and massive government stimulus, tech stocks are finally starting to get shaky. The problem? New investors like Zoe have huge paper losses on their dashboards. But is this worth worrying over?

Zoe is an ideal investor. At just twenty-four, she already has close to six-figure wealth, with a house hack, a respectable retirement portfolio, and a solid income every month. She’s making the right moves but feels like some of her most recent choices haven’t hit the mark. She dabbled in stock picking as her income went up, investing in some of the biggest names in tech over the past few years. Her house hack, which is almost letting her live for free, was bought at the top of the market with an average interest rate.

Zoe needs to know what to do next. Should she sell her tech stocks and invest the money into index funds where she can let it ride? Should she buy a new house hack that allows her to live for free instead of at a discount? And where should she put the thousands of dollars she’s saving every month to ensure her a life of financial freedom in the near future? Zoe has some enviable problems, and on this Finance Friday, we’ll be solving them!




In This Episode We Cover

The 2022 stock market crash and whether selling and cutting your losses is a smart idea

The right way to invest in tech stocks and how to get educated on stock picking

House hacking and how deals that aren’t “home runs” can still be huge winners

Getting paid to learn about real estate and using your downtime to boost your financial knowledge

FHA loans, conventional loans, USDA loans, and other ways to fund a property purchase for low money down

The right moves to make in your early twenties and why Zoe is a role model for new graduates

And So Much More!




Links from the Show

Find an Investor-Friendly Real Estate Agent

BiggerPockets Money Facebook Group

BiggerPockets Forums

Finance Review Guest Onboarding

Mindy's Twitter

Scott's Instagram

Listen to All Your Favorite BiggerPockets Podcasts in One Place

Apply to Be a Guest on The Money Show

Podcast Talent Search!

Subscribe to The “On The Market” YouTube Channel

Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets

Check Out Mindy’s 2022 Live Spending Tracker and Budget

The 4 Steps to Financial Freedom and Debt-Free Wealth

Is Now the Time to Buy as The Housing Market Starts to Dip?




Click here to check the full show notes: https://www.biggerpockets.com/blog/money-356




Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Check out our sponsor page!]]></description>
	<itunes:subtitle><![CDATA[Tech stocks were slam dunk investments for the past decade. No matter what you invested in—Google, Facebook, Amazon, or even some obscure AI toaster company—you probably made decent returns. But, after years of continuous economic growth and massive gove]]></itunes:subtitle>
	<content:encoded><![CDATA[Tech stocks were slam dunk investments for the past decade. No matter what you invested in—Google, Facebook, Amazon, or even some obscure AI toaster company—you probably made decent returns. But, after years of continuous economic growth and massive government stimulus, tech stocks are finally starting to get shaky. The problem? New investors like Zoe have huge paper losses on their dashboards. But is this worth worrying over?

Zoe is an ideal investor. At just twenty-four, she already has close to six-figure wealth, with a house hack, a respectable retirement portfolio, and a solid income every month. She’s making the right moves but feels like some of her most recent choices haven’t hit the mark. She dabbled in stock picking as her income went up, investing in some of the biggest names in tech over the past few years. Her house hack, which is almost letting her live for free, was bought at the top of the market with an average interest rate.

Zoe needs to know what to do next. Should she sell her tech stocks and invest the money into index funds where she can let it ride? Should she buy a new house hack that allows her to live for free instead of at a discount? And where should she put the thousands of dollars she’s saving every month to ensure her a life of financial freedom in the near future? Zoe has some enviable problems, and on this Finance Friday, we’ll be solving them!




In This Episode We Cover

The 2022 stock market crash and whether selling and cutting your losses is a smart idea

The right way to invest in tech stocks and how to get educated on stock picking

House hacking and how deals that aren’t “home runs” can still be huge winners

Getting paid to learn about real estate and using your downtime to boost your financial knowledge

FHA loans, conventional loans, USDA loans, and other ways to fund a property purchase for low money down

The right moves to make in your early twenties and why Zoe is a role model for new graduates

And So Much More!




Links from the Show

Find an Investor-Friendly Real Estate Agent

BiggerPockets Money Facebook Group

BiggerPockets Forums

Finance Review Guest Onboarding

Mindy's Twitter

Scott's Instagram

Listen to All Your Favorite BiggerPockets Podcasts in One Place

Apply to Be a Guest on The Money Show

Podcast Talent Search!

Subscribe to The “On The Market” YouTube Channel

Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets

Check Out Mindy’s 2022 Live Spending Tracker and Budget

The 4 Steps to Financial Freedom and Debt-Free Wealth

Is Now the Time to Buy as The Housing Market Starts to Dip?




Click here to check the full show notes: https://www.biggerpockets.com/blog/money-356




Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Check out our sponsor page!]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC4394156830.mp3" length="66248003" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[Tech stocks were slam dunk investments for the past decade. No matter what you invested in—Google, Facebook, Amazon, or even some obscure AI toaster company—you probably made decent returns. But, after years of continuous economic growth and massive government stimulus, tech stocks are finally starting to get shaky. The problem? New investors like Zoe have huge paper losses on their dashboards. But is this worth worrying over?

Zoe is an ideal investor. At just twenty-four, she already has close to six-figure wealth, with a house hack, a respectable retirement portfolio, and a solid income every month. She’s making the right moves but feels like some of her most recent choices haven’t hit the mark. She dabbled in stock picking as her income went up, investing in some of the biggest names in tech over the past few years. Her house hack, which is almost letting her live for free, was bought at the top of the market with an average interest rate.

Zoe needs to know what to do next. Should she sell her tech stocks and invest the money into index funds where she can let it ride? Should she buy a new house hack that allows her to live for free instead of at a discount? And where should she put the thousands of dollars she’s saving every month to ensure her a life of financial freedom in the near future? Zoe has some enviable problems, and on this Finance Friday, we’ll be solving them!




In This Episode We Cover

The 2022 stock market crash and whether selling and cutting your losses is a smart idea

The right way to invest in tech stocks and how to get educated on stock picking

House hacking and how deals that aren’t “home runs” can still be huge winners

Getting paid to learn about real estate and using your downtime to boost your financial knowledge

FHA loans, conventional loans, USDA loans, and other ways to fund a property purchase for low money down

The right moves to make in your early twenties and why Zoe is a role model for new graduates

And So Much More!




Links from the Show

Find an Investor-Friendly Real Estate Agent

BiggerPockets Money Facebook Group

BiggerPockets Forums

Finance Review Guest Onboarding

Mindy's Twitter

Scott's Instagram

Listen to All Your Favorite BiggerPockets Podcasts in One Place

Apply to Be a Guest on The Money Show

Podcast Talent Search!

Subscribe to The “On The Market” YouTube Channel

Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets

Check Out Mindy’s 2022 Live Spending Tracker and Budget

The 4 Steps to Financial Freedom and Debt-Free Wealth

Is Now the Time to Buy as The Housing Market Starts to Dip?




Click here to check the full show notes: https://www.biggerpockets.com/blog/money-356




Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Check out our sponsor page!]]></itunes:summary>
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	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[Tech stocks were slam dunk investments for the past decade. No matter what you invested in—Google, Facebook, Amazon, or even some obscure AI toaster company—you probably made decent returns. But, after years of continuous economic growth and massive government stimulus, tech stocks are finally starting to get shaky. The problem? New investors like Zoe have huge paper losses on their dashboards. But is this worth worrying over?

Zoe is an ideal investor. At just twenty-four, she already has close to six-figure wealth, with a house hack, a respectable retirement portfolio, and a solid income every month. She’s making the right moves but feels like some of her most recent choices haven’t hit the mark. She dabbled in stock picking as her income went up, investing in some of the biggest names in tech over the past few years. Her house hack, which is almost letting her live for free, was bought at the top of the market with an average interest rate.

Zoe needs to know what to do next. Shoul]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>355: All the Money Hacks We WISH We Had Known About</title>
	<link>https://biggerpocketsmoney.com/podcast/355-all-the-money-hacks-we-wish-we-had-known-about/</link>
	<pubDate>Mon, 21 Nov 2022 07:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">gid://art19-episode-locator/V0/ZnPnuV9sfYPvNjiPgX-WwmJlOeoJqOvnDvTBFMTUfIA</guid>
	<description><![CDATA[Travel hacks, spending hacks, medical hacks. If there’s one thing that Chris Hutchins has learned from hosting the All the Hacks podcast, it’s that everything is negotiable. You can travel to over sixty countries for (almost) free, outsource your cooking at a reasonable rate and even get free money once forgotten. Chris should know—he’s done all this and more as he works to optimize every aspect of his life, both financially and personally!

Chris was hacking at a very young age. In high school, he made a fake magazine so he could score free press passes to concerts. When he was away at boarding school, he would buy whole pizzas and sell them by the slice just to afford a few slices of his own. Then, later when he quit his job to travel the world, Chris and his partner hit over sixty countries, using credit card points to globetrott from South Africa to Singapore!

Now, as a father, Chris is more concerned about hacking his time. He’s got kids to take care of and doesn’t want to waste a second of his day that could be spent planning for, or playing with, his children. In today’s episode, you’ll hear some of the most insane life hacks, from hiring a personal chef for a fraction of the cost to getting free champagne at any hotel stay and even snagging twenty to thirty percent off of your dream vacation villa. These hacks work (we tried them in real-time), and you may need a pen and paper to write them all down!




In This Episode We Cover

Credit card points, travel hacking, and how to get flights for free (or at a steep discount)

Outsourcing and delegating everything so you spend more of your time with those who are most important

Simple principles for an optimized life and why conventional wisdom is usually out of whack

How to get deep discounts off of vacation properties during your next big trip

Why you should NEVER cancel a flight until twelve hours before takeoff

Where to find “unclaimed money” you never knew you had (we found some ourselves!)

And So Much More!




Links from the Show

Find an Investor-Friendly Real Estate Agent

BiggerPockets Money Facebook Group

BiggerPockets Forums

Finance Review Guest Onboarding

Mindy's Twitter

Scott's Instagram

Listen to All Your Favorite BiggerPockets Podcasts in One Place

Apply to Be a Guest on The Money Show

Podcast Talent Search!

Subscribe to The “On The Market” YouTube Channel

Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets

Check Out Mindy’s 2022 Live Spending Tracker and Budget

All The Hacks Podcast




Click here to check the full show notes: https://www.biggerpockets.com/blog/money-355




Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Check out our sponsor page!]]></description>
	<itunes:subtitle><![CDATA[Travel hacks, spending hacks, medical hacks. If there’s one thing that Chris Hutchins has learned from hosting the All the Hacks podcast, it’s that everything is negotiable. You can travel to over sixty countries for (almost) free, outsource your cooking]]></itunes:subtitle>
	<content:encoded><![CDATA[Travel hacks, spending hacks, medical hacks. If there’s one thing that Chris Hutchins has learned from hosting the All the Hacks podcast, it’s that everything is negotiable. You can travel to over sixty countries for (almost) free, outsource your cooking at a reasonable rate and even get free money once forgotten. Chris should know—he’s done all this and more as he works to optimize every aspect of his life, both financially and personally!

Chris was hacking at a very young age. In high school, he made a fake magazine so he could score free press passes to concerts. When he was away at boarding school, he would buy whole pizzas and sell them by the slice just to afford a few slices of his own. Then, later when he quit his job to travel the world, Chris and his partner hit over sixty countries, using credit card points to globetrott from South Africa to Singapore!

Now, as a father, Chris is more concerned about hacking his time. He’s got kids to take care of and doesn’t want to waste a second of his day that could be spent planning for, or playing with, his children. In today’s episode, you’ll hear some of the most insane life hacks, from hiring a personal chef for a fraction of the cost to getting free champagne at any hotel stay and even snagging twenty to thirty percent off of your dream vacation villa. These hacks work (we tried them in real-time), and you may need a pen and paper to write them all down!




In This Episode We Cover

Credit card points, travel hacking, and how to get flights for free (or at a steep discount)

Outsourcing and delegating everything so you spend more of your time with those who are most important

Simple principles for an optimized life and why conventional wisdom is usually out of whack

How to get deep discounts off of vacation properties during your next big trip

Why you should NEVER cancel a flight until twelve hours before takeoff

Where to find “unclaimed money” you never knew you had (we found some ourselves!)

And So Much More!




Links from the Show

Find an Investor-Friendly Real Estate Agent

BiggerPockets Money Facebook Group

BiggerPockets Forums

Finance Review Guest Onboarding

Mindy's Twitter

Scott's Instagram

Listen to All Your Favorite BiggerPockets Podcasts in One Place

Apply to Be a Guest on The Money Show

Podcast Talent Search!

Subscribe to The “On The Market” YouTube Channel

Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets

Check Out Mindy’s 2022 Live Spending Tracker and Budget

All The Hacks Podcast




Click here to check the full show notes: https://www.biggerpockets.com/blog/money-355




Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Check out our sponsor page!]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC6999274982.mp3" length="59243083" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[Travel hacks, spending hacks, medical hacks. If there’s one thing that Chris Hutchins has learned from hosting the All the Hacks podcast, it’s that everything is negotiable. You can travel to over sixty countries for (almost) free, outsource your cooking at a reasonable rate and even get free money once forgotten. Chris should know—he’s done all this and more as he works to optimize every aspect of his life, both financially and personally!

Chris was hacking at a very young age. In high school, he made a fake magazine so he could score free press passes to concerts. When he was away at boarding school, he would buy whole pizzas and sell them by the slice just to afford a few slices of his own. Then, later when he quit his job to travel the world, Chris and his partner hit over sixty countries, using credit card points to globetrott from South Africa to Singapore!

Now, as a father, Chris is more concerned about hacking his time. He’s got kids to take care of and doesn’t want to waste a second of his day that could be spent planning for, or playing with, his children. In today’s episode, you’ll hear some of the most insane life hacks, from hiring a personal chef for a fraction of the cost to getting free champagne at any hotel stay and even snagging twenty to thirty percent off of your dream vacation villa. These hacks work (we tried them in real-time), and you may need a pen and paper to write them all down!




In This Episode We Cover

Credit card points, travel hacking, and how to get flights for free (or at a steep discount)

Outsourcing and delegating everything so you spend more of your time with those who are most important

Simple principles for an optimized life and why conventional wisdom is usually out of whack

How to get deep discounts off of vacation properties during your next big trip

Why you should NEVER cancel a flight until twelve hours before takeoff

Where to find “unclaimed money” you never knew you had (we found some ourselves!)

And So Much More!




Links from the Show

Find an Investor-Friendly Real Estate Agent

BiggerPockets Money Facebook Group

BiggerPockets Forums

Finance Review Guest Onboarding

Mindy's Twitter

Scott's Instagram

Listen to All Your Favorite BiggerPockets Podcasts in One Place

Apply to Be a Guest on The Money Show

Podcast Talent Search!

Subscribe to The “On The Market” YouTube Channel

Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets

Check Out Mindy’s 2022 Live Spending Tracker and Budget

All The Hacks Podcast




Click here to check the full show notes: https://www.biggerpockets.com/blog/money-355




Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Check out our sponsor page!]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[Travel hacks, spending hacks, medical hacks. If there’s one thing that Chris Hutchins has learned from hosting the All the Hacks podcast, it’s that everything is negotiable. You can travel to over sixty countries for (almost) free, outsource your cooking at a reasonable rate and even get free money once forgotten. Chris should know—he’s done all this and more as he works to optimize every aspect of his life, both financially and personally!

Chris was hacking at a very young age. In high school, he made a fake magazine so he could score free press passes to concerts. When he was away at boarding school, he would buy whole pizzas and sell them by the slice just to afford a few slices of his own. Then, later when he quit his job to travel the world, Chris and his partner hit over sixty countries, using credit card points to globetrott from South Africa to Singapore!

Now, as a father, Chris is more concerned about hacking his time. He’s got kids to take care of and doesn’t want to waste]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>354: Frank Advice on What to Do When a Real Estate Investment Goes Wrong</title>
	<link>https://biggerpocketsmoney.com/podcast/354-frank-advice-on-what-to-do-when-a-real-estate-investment-goes-wrong/</link>
	<pubDate>Fri, 18 Nov 2022 07:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">gid://art19-episode-locator/V0/lzlj-jQ8cV5DHLeBfCUhfwQPdb6Je7s98coGn4XZfnY</guid>
	<description><![CDATA[You’re one bad real estate investment away from being cash flow-poor and debt-rich. That’s right, not every investment property works out, and when leveraged the wrong way, a single property could put your financial future on the wrong track. While it’s easy to watch social media real estate investors flaunt their infinite cash flow and no money down tricks, buying profitable real estate is a little harder than it seems. Today’s guest, Shane, finds himself in this position, as an over-leveraged investment is causing him to hemorrhage cash.

Welcome back to another episode of Finance Friday, where hosts Mindy and Scott bring financial suggestions, no matter how extreme, to guests in many different situations. This week, Shane walks through his numbers, and from the start, Scott picks up on a big problem. Shane and his partner bring in a solid amount of income, but it’s slowly slipping out of their accounts every month as an overleveraged short-term rental property and high consumer debt eats away at their respectable income.

This isn’t an easy position to dig yourself out of, and Scott has some serious suggestions for Shane that could flip his financial position 180 degrees. But, doing so will require Shane to make drastic moves that will force him to reevaluate his relationships with spending and debt. While this “rip off the band-aid” type approach can be painful at first, it could save Shane years' worth of time on his path to real estate riches.




In This Episode We Cover

Staying away from consumer debt and how it can destroy your financial position

Real estate leverage and why too much of it can cause you to have negative cash flow

Sacrificing subscriptions, eating out, and other spending categories that may be tanking your budget

Having a money date with your partner or spouse to get on the same financial footing

The biggest moves to make if you’re serious about getting out of debt and on the path to financial freedom

Budget busters and how to build a more sustainable pattern of spending

And So Much More!




Links from the Show

Find an Investor-Friendly Real Estate Agent

BiggerPockets Money Facebook Group

BiggerPockets Forums

Finance Review Guest Onboarding

Mindy's Twitter

Scott's Instagram

Listen to All Your Favorite BiggerPockets Podcasts in One Place

Apply to Be a Guest on The Money Show

Podcast Talent Search!

Subscribe to The “On The Market” YouTube Channel

Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets

Check Out Mindy’s 2022 Live Spending Tracker and Budget

Designing a Frugal But Luxurious FI Life by Age 32

Food Spending Eating Away at Your FI Plans? Here’s How to Eat for Cheap

BudgetBytes.com

The Money Date: What You Should (And Definitely Should Not) Do to Align Your Finances as a Couple




Click here to check the full show notes: https://www.biggerpockets.com/blog/money-354




Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Check out our sponsor page!]]></description>
	<itunes:subtitle><![CDATA[You’re one bad real estate investment away from being cash flow-poor and debt-rich. That’s right, not every investment property works out, and when leveraged the wrong way, a single property could put your financial future on the wrong track. While it’s ]]></itunes:subtitle>
	<content:encoded><![CDATA[You’re one bad real estate investment away from being cash flow-poor and debt-rich. That’s right, not every investment property works out, and when leveraged the wrong way, a single property could put your financial future on the wrong track. While it’s easy to watch social media real estate investors flaunt their infinite cash flow and no money down tricks, buying profitable real estate is a little harder than it seems. Today’s guest, Shane, finds himself in this position, as an over-leveraged investment is causing him to hemorrhage cash.

Welcome back to another episode of Finance Friday, where hosts Mindy and Scott bring financial suggestions, no matter how extreme, to guests in many different situations. This week, Shane walks through his numbers, and from the start, Scott picks up on a big problem. Shane and his partner bring in a solid amount of income, but it’s slowly slipping out of their accounts every month as an overleveraged short-term rental property and high consumer debt eats away at their respectable income.

This isn’t an easy position to dig yourself out of, and Scott has some serious suggestions for Shane that could flip his financial position 180 degrees. But, doing so will require Shane to make drastic moves that will force him to reevaluate his relationships with spending and debt. While this “rip off the band-aid” type approach can be painful at first, it could save Shane years' worth of time on his path to real estate riches.




In This Episode We Cover

Staying away from consumer debt and how it can destroy your financial position

Real estate leverage and why too much of it can cause you to have negative cash flow

Sacrificing subscriptions, eating out, and other spending categories that may be tanking your budget

Having a money date with your partner or spouse to get on the same financial footing

The biggest moves to make if you’re serious about getting out of debt and on the path to financial freedom

Budget busters and how to build a more sustainable pattern of spending

And So Much More!




Links from the Show

Find an Investor-Friendly Real Estate Agent

BiggerPockets Money Facebook Group

BiggerPockets Forums

Finance Review Guest Onboarding

Mindy's Twitter

Scott's Instagram

Listen to All Your Favorite BiggerPockets Podcasts in One Place

Apply to Be a Guest on The Money Show

Podcast Talent Search!

Subscribe to The “On The Market” YouTube Channel

Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets

Check Out Mindy’s 2022 Live Spending Tracker and Budget

Designing a Frugal But Luxurious FI Life by Age 32

Food Spending Eating Away at Your FI Plans? Here’s How to Eat for Cheap

BudgetBytes.com

The Money Date: What You Should (And Definitely Should Not) Do to Align Your Finances as a Couple




Click here to check the full show notes: https://www.biggerpockets.com/blog/money-354




Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Check out our sponsor page!]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC2608847932.mp3" length="62443883" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[You’re one bad real estate investment away from being cash flow-poor and debt-rich. That’s right, not every investment property works out, and when leveraged the wrong way, a single property could put your financial future on the wrong track. While it’s easy to watch social media real estate investors flaunt their infinite cash flow and no money down tricks, buying profitable real estate is a little harder than it seems. Today’s guest, Shane, finds himself in this position, as an over-leveraged investment is causing him to hemorrhage cash.

Welcome back to another episode of Finance Friday, where hosts Mindy and Scott bring financial suggestions, no matter how extreme, to guests in many different situations. This week, Shane walks through his numbers, and from the start, Scott picks up on a big problem. Shane and his partner bring in a solid amount of income, but it’s slowly slipping out of their accounts every month as an overleveraged short-term rental property and high consumer debt eats away at their respectable income.

This isn’t an easy position to dig yourself out of, and Scott has some serious suggestions for Shane that could flip his financial position 180 degrees. But, doing so will require Shane to make drastic moves that will force him to reevaluate his relationships with spending and debt. While this “rip off the band-aid” type approach can be painful at first, it could save Shane years' worth of time on his path to real estate riches.




In This Episode We Cover

Staying away from consumer debt and how it can destroy your financial position

Real estate leverage and why too much of it can cause you to have negative cash flow

Sacrificing subscriptions, eating out, and other spending categories that may be tanking your budget

Having a money date with your partner or spouse to get on the same financial footing

The biggest moves to make if you’re serious about getting out of debt and on the path to financial freedom

Budget busters and how to build a more sustainable pattern of spending

And So Much More!




Links from the Show

Find an Investor-Friendly Real Estate Agent

BiggerPockets Money Facebook Group

BiggerPockets Forums

Finance Review Guest Onboarding

Mindy's Twitter

Scott's Instagram

Listen to All Your Favorite BiggerPockets Podcasts in One Place

Apply to Be a Guest on The Money Show

Podcast Talent Search!

Subscribe to The “On The Market” YouTube Channel

Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets

Check Out Mindy’s 2022 Live Spending Tracker and Budget

Designing a Frugal But Luxurious FI Life by Age 32

Food Spending Eating Away at Your FI Plans? Here’s How to Eat for Cheap

BudgetBytes.com

The Money Date: What You Should (And Definitely Should Not) Do to Align Your Finances as a Couple




Click here to check the full show notes: https://www.biggerpockets.com/blog/money-354




Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Check out our sponsor page!]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[You’re one bad real estate investment away from being cash flow-poor and debt-rich. That’s right, not every investment property works out, and when leveraged the wrong way, a single property could put your financial future on the wrong track. While it’s easy to watch social media real estate investors flaunt their infinite cash flow and no money down tricks, buying profitable real estate is a little harder than it seems. Today’s guest, Shane, finds himself in this position, as an over-leveraged investment is causing him to hemorrhage cash.

Welcome back to another episode of Finance Friday, where hosts Mindy and Scott bring financial suggestions, no matter how extreme, to guests in many different situations. This week, Shane walks through his numbers, and from the start, Scott picks up on a big problem. Shane and his partner bring in a solid amount of income, but it’s slowly slipping out of their accounts every month as an overleveraged short-term rental property and high consumer deb]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>353: Ask the Money Experts: Debt, Diversification, Retirement, and Real Estate</title>
	<link>https://biggerpocketsmoney.com/podcast/353-ask-the-money-experts-debt-diversification-retirement-and-real-estate/</link>
	<pubDate>Mon, 14 Nov 2022 07:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">gid://art19-episode-locator/V0/1LFK5J5yy1LiJkHufFTpl8l9DOuYb3oyZaHfwjXadlM</guid>
	<description><![CDATA[What should retirement planning look like? How can I invest if I am still paying off student loan debt? What makes a perfectly diversified portfolio? And when is the right time to pay off my rental properties? We went to the BiggerPockets Money Facebook Group to ask what you would like to know from a money expert. And thankfully, we found a couple of them who are friends of the show. Amanda Wolfe and Kyle Mast are here to answer some of your most-asked money questions!

Amanda Wolfe was recently a guest on the BiggerPockets Money Podcast, sharing her story of reaching financial freedom after going through serious financial struggles and childhood poverty. Kyle Mast, Certified Financial Planner, has recently “retired” after helping his clients reach their financial goals with minimal stress and maximum freedom. They’re helping Mindy on today’s show to take questions directly from listeners about everything ranging from real estate to retirement planning and never feeling like you have enough.

If you’ve struggled not knowing how to pay down debt, how much cash to have on hand, or are having a mental block when switching from saving to spending mode, this episode could alleviate your worries. If you’d like to get more connected with the BiggerPockets Money community and potentially get your questions answered on a future show, be sure to join the BiggerPockets Money Facebook Group!




In This Episode We Cover

How to invest while paying down student loan debt, or any other debt for that matter

Transitioning from saver to spender when you have enough to finally retire

Real estate vs. index funds and which is more optimal for a post-retirement portfolio

Roadblocks on the way to financial freedom and why you DON’T need retirement accounts to invest for retirement

What a diversified portfolio looks like (it’s much simpler than you think)

Money moves to make if you don’t have much cash, but do have consistent income

And So Much More!

Links from the Show

Find an Investor-Friendly Real Estate Agent

BiggerPockets Money Facebook Group

BiggerPockets Forums

Finance Review Guest Onboarding

Mindy's Twitter

Listen to All Your Favorite BiggerPockets Podcasts in One Place

Apply to Be a Guest on The Money Show

Podcast Talent Search!

Subscribe to The “On The Market” YouTube Channel

Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets

Check Out Mindy’s 2022 Live Spending Tracker and Budget

Episode 200 Special: A Personal Finance Masterclass with Kyle Mast

How to Find the Best Possible Certified Financial Planner (CFP) for Your Needs with Kyle Mast

She Wolf of Wall Street Website

From Extreme Poverty to DIY Wealth and 2 Full-Time Incomes w/The She Wolfe of Wall Street




Click here to check the full show notes: https://www.biggerpockets.com/blog/money-353




Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Check out our sponsor page!]]></description>
	<itunes:subtitle><![CDATA[What should retirement planning look like? How can I invest if I am still paying off student loan debt? What makes a perfectly diversified portfolio? And when is the right time to pay off my rental properties? We went to the BiggerPockets Money Facebook ]]></itunes:subtitle>
	<content:encoded><![CDATA[What should retirement planning look like? How can I invest if I am still paying off student loan debt? What makes a perfectly diversified portfolio? And when is the right time to pay off my rental properties? We went to the BiggerPockets Money Facebook Group to ask what you would like to know from a money expert. And thankfully, we found a couple of them who are friends of the show. Amanda Wolfe and Kyle Mast are here to answer some of your most-asked money questions!

Amanda Wolfe was recently a guest on the BiggerPockets Money Podcast, sharing her story of reaching financial freedom after going through serious financial struggles and childhood poverty. Kyle Mast, Certified Financial Planner, has recently “retired” after helping his clients reach their financial goals with minimal stress and maximum freedom. They’re helping Mindy on today’s show to take questions directly from listeners about everything ranging from real estate to retirement planning and never feeling like you have enough.

If you’ve struggled not knowing how to pay down debt, how much cash to have on hand, or are having a mental block when switching from saving to spending mode, this episode could alleviate your worries. If you’d like to get more connected with the BiggerPockets Money community and potentially get your questions answered on a future show, be sure to join the BiggerPockets Money Facebook Group!




In This Episode We Cover

How to invest while paying down student loan debt, or any other debt for that matter

Transitioning from saver to spender when you have enough to finally retire

Real estate vs. index funds and which is more optimal for a post-retirement portfolio

Roadblocks on the way to financial freedom and why you DON’T need retirement accounts to invest for retirement

What a diversified portfolio looks like (it’s much simpler than you think)

Money moves to make if you don’t have much cash, but do have consistent income

And So Much More!

Links from the Show

Find an Investor-Friendly Real Estate Agent

BiggerPockets Money Facebook Group

BiggerPockets Forums

Finance Review Guest Onboarding

Mindy's Twitter

Listen to All Your Favorite BiggerPockets Podcasts in One Place

Apply to Be a Guest on The Money Show

Podcast Talent Search!

Subscribe to The “On The Market” YouTube Channel

Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets

Check Out Mindy’s 2022 Live Spending Tracker and Budget

Episode 200 Special: A Personal Finance Masterclass with Kyle Mast

How to Find the Best Possible Certified Financial Planner (CFP) for Your Needs with Kyle Mast

She Wolf of Wall Street Website

From Extreme Poverty to DIY Wealth and 2 Full-Time Incomes w/The She Wolfe of Wall Street




Click here to check the full show notes: https://www.biggerpockets.com/blog/money-353




Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Check out our sponsor page!]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC7157442560.mp3" length="62518494" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[What should retirement planning look like? How can I invest if I am still paying off student loan debt? What makes a perfectly diversified portfolio? And when is the right time to pay off my rental properties? We went to the BiggerPockets Money Facebook Group to ask what you would like to know from a money expert. And thankfully, we found a couple of them who are friends of the show. Amanda Wolfe and Kyle Mast are here to answer some of your most-asked money questions!

Amanda Wolfe was recently a guest on the BiggerPockets Money Podcast, sharing her story of reaching financial freedom after going through serious financial struggles and childhood poverty. Kyle Mast, Certified Financial Planner, has recently “retired” after helping his clients reach their financial goals with minimal stress and maximum freedom. They’re helping Mindy on today’s show to take questions directly from listeners about everything ranging from real estate to retirement planning and never feeling like you have enough.

If you’ve struggled not knowing how to pay down debt, how much cash to have on hand, or are having a mental block when switching from saving to spending mode, this episode could alleviate your worries. If you’d like to get more connected with the BiggerPockets Money community and potentially get your questions answered on a future show, be sure to join the BiggerPockets Money Facebook Group!




In This Episode We Cover

How to invest while paying down student loan debt, or any other debt for that matter

Transitioning from saver to spender when you have enough to finally retire

Real estate vs. index funds and which is more optimal for a post-retirement portfolio

Roadblocks on the way to financial freedom and why you DON’T need retirement accounts to invest for retirement

What a diversified portfolio looks like (it’s much simpler than you think)

Money moves to make if you don’t have much cash, but do have consistent income

And So Much More!

Links from the Show

Find an Investor-Friendly Real Estate Agent

BiggerPockets Money Facebook Group

BiggerPockets Forums

Finance Review Guest Onboarding

Mindy's Twitter

Listen to All Your Favorite BiggerPockets Podcasts in One Place

Apply to Be a Guest on The Money Show

Podcast Talent Search!

Subscribe to The “On The Market” YouTube Channel

Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets

Check Out Mindy’s 2022 Live Spending Tracker and Budget

Episode 200 Special: A Personal Finance Masterclass with Kyle Mast

How to Find the Best Possible Certified Financial Planner (CFP) for Your Needs with Kyle Mast

She Wolf of Wall Street Website

From Extreme Poverty to DIY Wealth and 2 Full-Time Incomes w/The She Wolfe of Wall Street




Click here to check the full show notes: https://www.biggerpockets.com/blog/money-353




Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Check out our sponsor page!]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[What should retirement planning look like? How can I invest if I am still paying off student loan debt? What makes a perfectly diversified portfolio? And when is the right time to pay off my rental properties? We went to the BiggerPockets Money Facebook Group to ask what you would like to know from a money expert. And thankfully, we found a couple of them who are friends of the show. Amanda Wolfe and Kyle Mast are here to answer some of your most-asked money questions!

Amanda Wolfe was recently a guest on the BiggerPockets Money Podcast, sharing her story of reaching financial freedom after going through serious financial struggles and childhood poverty. Kyle Mast, Certified Financial Planner, has recently “retired” after helping his clients reach their financial goals with minimal stress and maximum freedom. They’re helping Mindy on today’s show to take questions directly from listeners about everything ranging from real estate to retirement planning and never feeling like you have ]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>352: Common Money Fears That Are Costing You BIG</title>
	<link>https://biggerpocketsmoney.com/podcast/352-common-money-fears-that-are-costing-you-big/</link>
	<pubDate>Fri, 11 Nov 2022 07:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">gid://art19-episode-locator/V0/9b9djF9bAkEriJeKu5JEDEKo64N81tWV_7S8_TbYCm8</guid>
	<description><![CDATA[With so much going on—a recession, rampant inflation, rising interest rates—overcoming your money fears can be more challenging than ever before. The world is changing, and many of us feel like we’re being swept along with it. Our dollars are worth less, our retirement accounts have fallen sharply, and our cash is wasting away. What should we do when it feels like every financial move has a benefit and drawback attached to it? Should we even be making moves right now?

Don’t get overwhelmed with financial anxiety because today we’re bringing you an episode full of financial fixes for the everyday investor! We posted on the BiggerPockets Money Facebook Group a few months back, asking you which money fears keep you up at night. Now, we’ve got answers! Back on the show are J Scott and Kyle Mast! They join Mindy in giving solutions to your greatest financial fears.

J and Kyle give suggestions on topics ranging from rising home prices and the inability to become a homeowner to being nervous about how inflation is eating away at the dollar. We also touch on the age-old question of whether or not we’redoing enough right now to set us up for retirement and how a recession could affect our hard-earned assets. J, Kyle, and Mindy all give their suggestions on these situations and spill some of their own financial fears to show you that even the experts still worry like everyone else.




In This Episode We Cover

Our biggest financial fears and what we’re doing to mitigate them in turbulent times

Growing up with very little and why the “never enough” mentality always lingers

Why buying a home isn’t your only option for building wealth in this market

Setting yourself up for a plentiful retirement even if you got a late start

Whether or not keeping a large cash position is a smart move to make

Changing jobs to get more personal time and when flexibility trumps finances

Inflation, interest rates, and how to stay sane during a recession 

And So Much More!

Links from the Show

Find an Investor-Friendly Real Estate Agent

BiggerPockets Money Facebook Group

BiggerPockets Forums

Finance Review Guest Onboarding

Mindy's Twitter

J’s BiggerPockets Profile

J’s Personal Website

Listen to All Your Favorite BiggerPockets Podcasts in One Place

Apply to Be a Guest on The Money Show

Podcast Talent Search!

Subscribe to The “On The Market” YouTube Channel

Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets

Check Out Mindy’s 2022 Live Spending Tracker and Budget

The Money Date: What You Should (And Definitely Should Not) Do to Align Your Finances as a Couple

7 Tips for Successfully Investing in ANY Market Condition With J Scott

Syndications: Everything You Need to Know BEFORE You Invest

Episode 200 Special: A Personal Finance Masterclass with Kyle Mast

How to Find the Best Possible Certified Financial Planner (CFP) for Your Needs with Kyle Mast

BiggerPockets FIRE Planning Worksheet




Click here to check the full show notes: https://www.biggerpockets.com/blog/money-352




Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Check out our sponsor page!]]></description>
	<itunes:subtitle><![CDATA[With so much going on—a recession, rampant inflation, rising interest rates—overcoming your money fears can be more challenging than ever before. The world is changing, and many of us feel like we’re being swept along with it. Our dollars are worth less,]]></itunes:subtitle>
	<content:encoded><![CDATA[With so much going on—a recession, rampant inflation, rising interest rates—overcoming your money fears can be more challenging than ever before. The world is changing, and many of us feel like we’re being swept along with it. Our dollars are worth less, our retirement accounts have fallen sharply, and our cash is wasting away. What should we do when it feels like every financial move has a benefit and drawback attached to it? Should we even be making moves right now?

Don’t get overwhelmed with financial anxiety because today we’re bringing you an episode full of financial fixes for the everyday investor! We posted on the BiggerPockets Money Facebook Group a few months back, asking you which money fears keep you up at night. Now, we’ve got answers! Back on the show are J Scott and Kyle Mast! They join Mindy in giving solutions to your greatest financial fears.

J and Kyle give suggestions on topics ranging from rising home prices and the inability to become a homeowner to being nervous about how inflation is eating away at the dollar. We also touch on the age-old question of whether or not we’redoing enough right now to set us up for retirement and how a recession could affect our hard-earned assets. J, Kyle, and Mindy all give their suggestions on these situations and spill some of their own financial fears to show you that even the experts still worry like everyone else.




In This Episode We Cover

Our biggest financial fears and what we’re doing to mitigate them in turbulent times

Growing up with very little and why the “never enough” mentality always lingers

Why buying a home isn’t your only option for building wealth in this market

Setting yourself up for a plentiful retirement even if you got a late start

Whether or not keeping a large cash position is a smart move to make

Changing jobs to get more personal time and when flexibility trumps finances

Inflation, interest rates, and how to stay sane during a recession 

And So Much More!

Links from the Show

Find an Investor-Friendly Real Estate Agent

BiggerPockets Money Facebook Group

BiggerPockets Forums

Finance Review Guest Onboarding

Mindy's Twitter

J’s BiggerPockets Profile

J’s Personal Website

Listen to All Your Favorite BiggerPockets Podcasts in One Place

Apply to Be a Guest on The Money Show

Podcast Talent Search!

Subscribe to The “On The Market” YouTube Channel

Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets

Check Out Mindy’s 2022 Live Spending Tracker and Budget

The Money Date: What You Should (And Definitely Should Not) Do to Align Your Finances as a Couple

7 Tips for Successfully Investing in ANY Market Condition With J Scott

Syndications: Everything You Need to Know BEFORE You Invest

Episode 200 Special: A Personal Finance Masterclass with Kyle Mast

How to Find the Best Possible Certified Financial Planner (CFP) for Your Needs with Kyle Mast

BiggerPockets FIRE Planning Worksheet




Click here to check the full show notes: https://www.biggerpockets.com/blog/money-352




Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Check out our sponsor page!]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC1556939236.mp3" length="66985650" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[With so much going on—a recession, rampant inflation, rising interest rates—overcoming your money fears can be more challenging than ever before. The world is changing, and many of us feel like we’re being swept along with it. Our dollars are worth less, our retirement accounts have fallen sharply, and our cash is wasting away. What should we do when it feels like every financial move has a benefit and drawback attached to it? Should we even be making moves right now?

Don’t get overwhelmed with financial anxiety because today we’re bringing you an episode full of financial fixes for the everyday investor! We posted on the BiggerPockets Money Facebook Group a few months back, asking you which money fears keep you up at night. Now, we’ve got answers! Back on the show are J Scott and Kyle Mast! They join Mindy in giving solutions to your greatest financial fears.

J and Kyle give suggestions on topics ranging from rising home prices and the inability to become a homeowner to being nervous about how inflation is eating away at the dollar. We also touch on the age-old question of whether or not we’redoing enough right now to set us up for retirement and how a recession could affect our hard-earned assets. J, Kyle, and Mindy all give their suggestions on these situations and spill some of their own financial fears to show you that even the experts still worry like everyone else.




In This Episode We Cover

Our biggest financial fears and what we’re doing to mitigate them in turbulent times

Growing up with very little and why the “never enough” mentality always lingers

Why buying a home isn’t your only option for building wealth in this market

Setting yourself up for a plentiful retirement even if you got a late start

Whether or not keeping a large cash position is a smart move to make

Changing jobs to get more personal time and when flexibility trumps finances

Inflation, interest rates, and how to stay sane during a recession 

And So Much More!

Links from the Show

Find an Investor-Friendly Real Estate Agent

BiggerPockets Money Facebook Group

BiggerPockets Forums

Finance Review Guest Onboarding

Mindy's Twitter

J’s BiggerPockets Profile

J’s Personal Website

Listen to All Your Favorite BiggerPockets Podcasts in One Place

Apply to Be a Guest on The Money Show

Podcast Talent Search!

Subscribe to The “On The Market” YouTube Channel

Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets

Check Out Mindy’s 2022 Live Spending Tracker and Budget

The Money Date: What You Should (And Definitely Should Not) Do to Align Your Finances as a Couple

7 Tips for Successfully Investing in ANY Market Condition With J Scott

Syndications: Everything You Need to Know BEFORE You Invest

Episode 200 Special: A Personal Finance Masterclass with Kyle Mast

How to Find the Best Possible Certified Financial Planner (CFP) for Your Needs with Kyle Mast

BiggerPockets FIRE Planning Worksheet




Click here to check the full show notes: https://www.biggerpockets.com/blog/money-352




Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Check out our sponsor page!]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[With so much going on—a recession, rampant inflation, rising interest rates—overcoming your money fears can be more challenging than ever before. The world is changing, and many of us feel like we’re being swept along with it. Our dollars are worth less, our retirement accounts have fallen sharply, and our cash is wasting away. What should we do when it feels like every financial move has a benefit and drawback attached to it? Should we even be making moves right now?

Don’t get overwhelmed with financial anxiety because today we’re bringing you an episode full of financial fixes for the everyday investor! We posted on the BiggerPockets Money Facebook Group a few months back, asking you which money fears keep you up at night. Now, we’ve got answers! Back on the show are J Scott and Kyle Mast! They join Mindy in giving solutions to your greatest financial fears.

J and Kyle give suggestions on topics ranging from rising home prices and the inability to become a homeowner to being nervo]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>351: Does the 4% Rule Hold During 2022&#8217;s Stock Market Crash?</title>
	<link>https://biggerpocketsmoney.com/podcast/351-does-the-4-rule-hold-during-2022s-stock-market-crash/</link>
	<pubDate>Mon, 07 Nov 2022 07:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">gid://art19-episode-locator/V0/mqQmtAiIpCsSIZ-H-lW-kb_H8ghwlCCwlrQwa_WK9hs</guid>
	<description><![CDATA[Stock market crashes aren't good news for anyone. For retirees though, this dip in prices can feel like a death wish, as active income is no longer an option. Have the hopes and dreams of financial flexibility gone out the window? Or is a market crash like we're experiencing today just a small blip on a retiree's radar? Pairing this with inflation, how will someone who has just retired make it?

We’ve got Michael Kitces, retirement planning expert and financial genius with enough acronyms coming after his name to spell out the alphabet, on the show to answer whether or not retirees are in trouble. Michael has advised his clients for decades on the right way to save and invest for retirement. He’s been a proponent of the 4% rule and was bold enough to hold his claim even during the flash crash of 2020. But, with such high inflation and stark drops in equity values, does he still agree with his past predictions?

Michael takes us on a trip down memory lane, visiting some of the worst financial crises in American history, showing how they compare to today. He also proposes that holding large amounts of cash, even during high inflationary times, isn’t the worst move to make, and whether or not he’s still investing as the market finds its bottom. If you’re worried about retiring during times like today, this is the man to listen to!




In This Episode We Cover

The 4% rule explained and whether this sage retirement advice still holds up

How past retirees fared during high inflation, low growth time periods

Which types of market crashes can be “dangerous” to retirees (and who should be worried)

Why some of the brightest minds in personal finance are clinging to cash 

Purchasing power and how withdrawal rates are affected by high inflation

The smartest move to make if you’re worried your retirement savings aren’t enough

And So Much More!




Links from the Show

Find an Investor-Friendly Real Estate Agent

BiggerPockets Money Facebook Group

BiggerPockets Forums

Finance Review Guest Onboarding

Mindy's Twitter

Scott's Instagram

Listen to All Your Favorite BiggerPockets Podcasts in One Place

Apply to Be a Guest on The Money Show

Podcast Talent Search!

Subscribe to The “On The Market” YouTube Channel

Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets

Check Out Mindy’s 2022 Live Spending Tracker and Budget

Buckingham Wealth Partners

Bill Bengen (The Inventor of the 4% Rule) Talks Retirement, Past Crashes, and How You Can Withdraw Even More!

Original Article from the Journal Of Financial Planning, October 1994

Are FIRE Naysayers Bad at Math? Yes. with Michael Kitces




Click here to check the full show notes: https://www.biggerpockets.com/blog/money-351




Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Check out our sponsor page!]]></description>
	<itunes:subtitle><![CDATA[Stock market crashes arent good news for anyone. For retirees though, this dip in prices can feel like a death wish, as active income is no longer an option. Have the hopes and dreams of financial flexibility gone out the window? Or is a market crash lik]]></itunes:subtitle>
	<content:encoded><![CDATA[Stock market crashes aren't good news for anyone. For retirees though, this dip in prices can feel like a death wish, as active income is no longer an option. Have the hopes and dreams of financial flexibility gone out the window? Or is a market crash like we're experiencing today just a small blip on a retiree's radar? Pairing this with inflation, how will someone who has just retired make it?

We’ve got Michael Kitces, retirement planning expert and financial genius with enough acronyms coming after his name to spell out the alphabet, on the show to answer whether or not retirees are in trouble. Michael has advised his clients for decades on the right way to save and invest for retirement. He’s been a proponent of the 4% rule and was bold enough to hold his claim even during the flash crash of 2020. But, with such high inflation and stark drops in equity values, does he still agree with his past predictions?

Michael takes us on a trip down memory lane, visiting some of the worst financial crises in American history, showing how they compare to today. He also proposes that holding large amounts of cash, even during high inflationary times, isn’t the worst move to make, and whether or not he’s still investing as the market finds its bottom. If you’re worried about retiring during times like today, this is the man to listen to!




In This Episode We Cover

The 4% rule explained and whether this sage retirement advice still holds up

How past retirees fared during high inflation, low growth time periods

Which types of market crashes can be “dangerous” to retirees (and who should be worried)

Why some of the brightest minds in personal finance are clinging to cash 

Purchasing power and how withdrawal rates are affected by high inflation

The smartest move to make if you’re worried your retirement savings aren’t enough

And So Much More!




Links from the Show

Find an Investor-Friendly Real Estate Agent

BiggerPockets Money Facebook Group

BiggerPockets Forums

Finance Review Guest Onboarding

Mindy's Twitter

Scott's Instagram

Listen to All Your Favorite BiggerPockets Podcasts in One Place

Apply to Be a Guest on The Money Show

Podcast Talent Search!

Subscribe to The “On The Market” YouTube Channel

Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets

Check Out Mindy’s 2022 Live Spending Tracker and Budget

Buckingham Wealth Partners

Bill Bengen (The Inventor of the 4% Rule) Talks Retirement, Past Crashes, and How You Can Withdraw Even More!

Original Article from the Journal Of Financial Planning, October 1994

Are FIRE Naysayers Bad at Math? Yes. with Michael Kitces




Click here to check the full show notes: https://www.biggerpockets.com/blog/money-351




Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Check out our sponsor page!]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC4019083094.mp3" length="71380085" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[Stock market crashes aren't good news for anyone. For retirees though, this dip in prices can feel like a death wish, as active income is no longer an option. Have the hopes and dreams of financial flexibility gone out the window? Or is a market crash like we're experiencing today just a small blip on a retiree's radar? Pairing this with inflation, how will someone who has just retired make it?

We’ve got Michael Kitces, retirement planning expert and financial genius with enough acronyms coming after his name to spell out the alphabet, on the show to answer whether or not retirees are in trouble. Michael has advised his clients for decades on the right way to save and invest for retirement. He’s been a proponent of the 4% rule and was bold enough to hold his claim even during the flash crash of 2020. But, with such high inflation and stark drops in equity values, does he still agree with his past predictions?

Michael takes us on a trip down memory lane, visiting some of the worst financial crises in American history, showing how they compare to today. He also proposes that holding large amounts of cash, even during high inflationary times, isn’t the worst move to make, and whether or not he’s still investing as the market finds its bottom. If you’re worried about retiring during times like today, this is the man to listen to!




In This Episode We Cover

The 4% rule explained and whether this sage retirement advice still holds up

How past retirees fared during high inflation, low growth time periods

Which types of market crashes can be “dangerous” to retirees (and who should be worried)

Why some of the brightest minds in personal finance are clinging to cash 

Purchasing power and how withdrawal rates are affected by high inflation

The smartest move to make if you’re worried your retirement savings aren’t enough

And So Much More!




Links from the Show

Find an Investor-Friendly Real Estate Agent

BiggerPockets Money Facebook Group

BiggerPockets Forums

Finance Review Guest Onboarding

Mindy's Twitter

Scott's Instagram

Listen to All Your Favorite BiggerPockets Podcasts in One Place

Apply to Be a Guest on The Money Show

Podcast Talent Search!

Subscribe to The “On The Market” YouTube Channel

Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets

Check Out Mindy’s 2022 Live Spending Tracker and Budget

Buckingham Wealth Partners

Bill Bengen (The Inventor of the 4% Rule) Talks Retirement, Past Crashes, and How You Can Withdraw Even More!

Original Article from the Journal Of Financial Planning, October 1994

Are FIRE Naysayers Bad at Math? Yes. with Michael Kitces




Click here to check the full show notes: https://www.biggerpockets.com/blog/money-351




Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Check out our sponsor page!]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[Stock market crashes aren't good news for anyone. For retirees though, this dip in prices can feel like a death wish, as active income is no longer an option. Have the hopes and dreams of financial flexibility gone out the window? Or is a market crash like we're experiencing today just a small blip on a retiree's radar? Pairing this with inflation, how will someone who has just retired make it?

We’ve got Michael Kitces, retirement planning expert and financial genius with enough acronyms coming after his name to spell out the alphabet, on the show to answer whether or not retirees are in trouble. Michael has advised his clients for decades on the right way to save and invest for retirement. He’s been a proponent of the 4% rule and was bold enough to hold his claim even during the flash crash of 2020. But, with such high inflation and stark drops in equity values, does he still agree with his past predictions?

Michael takes us on a trip down memory lane, visiting some of the worst fi]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>350: Why We Turned Down a 5% Rate Mortgage &#124; Mindy &#038; Carl’s Budget Review</title>
	<link>https://biggerpocketsmoney.com/podcast/350-why-we-turned-down-a-5-rate-mortgage-mindy-carls-budget-review/</link>
	<pubDate>Fri, 04 Nov 2022 06:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">gid://art19-episode-locator/V0/BXuEwOh_U5O0C3YzNuZkXMF8t5zN9uHKRSp3Ec1geuM</guid>
	<description><![CDATA[Margin loans, medium-term rentals, and potential mortgage rate mistakes summarize what Carl and Mindy have been up to over the past couple of months. It’s been a minute since we’ve checked in on the ever-frugal Jensen family. But they’ve been gone for a good reason. Back at the start of the summer, Carl and Mindy decided that they were finished with rehabbing and big fixer-upper projects. Then they found the perfect opportunity, waiting just a few doors down from them. So, they jumped at the chance to make another deal work.

But Carl and Mindy did this type of deal in a peculiar way. Not only did they find it off-market, but they also funded it without a mortgage. Don’t get too excited—Carl and Mindy didn’t drop hundreds of thousands in cash just to buy one house. But, they did use another form of financing that most real estate investors aren’t aware of—margin loans. These types of stock portfolio-leveraged loans can come with unbelievably low interest rates. But, when equity values start to drop, so too can your safety when you use this type of financing.

But it’s not all about property purchasing on this episode of Mindy &#38; Carl’s Budget Review. The duo also talks aboutwhy their expense tracking has fallen off and how not knowing your expenses can cause far bigger problems than you’d think. They also touch on the medium-term rental strategy and how you can use it to get far higher rents with very little turnover in almost any of your rental properties! If this strategy interests you, we highly recommend grabbing the new book, 30-Day Stay.




In This Episode We Cover

Budgeting mistakes and how easy it is to get off track when you don’t know what you’re spending on

Carl and Mindy’s newest fixer-upper, medium-term rental property purchase

Using margin loans (stock loans) to fund your real estate deals

When it makes sense to use a variable loan over a traditional fixed-rate mortgage 

How to profitably provide housing for those that have been affected by natural disasters

The easiest way to get caught for mortgage fraud (and go to prison!)

And So Much More!




Links from the Show

Find an Investor-Friendly Real Estate Agent

BiggerPockets Money Facebook Group

BiggerPockets Forums

Finance Review Guest Onboarding

Mindy's Twitter

Mile High FI Podcast

1,500 Days to Freedom

Carl's Email

Listen to All Your Favorite BiggerPockets Podcasts in One Place

Apply to Be a Guest on The Money Show

Podcast Talent Search!

Subscribe to The “On The Market” YouTube Channel

Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets

Check Out Mindy’s 2022 Live Spending Tracker and Budget

Spending Categories to Cut During a Downturn &#124; Mindy &#38; Carl’s Budget Review




Click here to check the full show notes: https://www.biggerpockets.com/blog/money-350




Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Check out our sponsor page!]]></description>
	<itunes:subtitle><![CDATA[Margin loans, medium-term rentals, and potential mortgage rate mistakes summarize what Carl and Mindy have been up to over the past couple of months. It’s been a minute since we’ve checked in on the ever-frugal Jensen family. But they’ve been gone for a ]]></itunes:subtitle>
	<content:encoded><![CDATA[Margin loans, medium-term rentals, and potential mortgage rate mistakes summarize what Carl and Mindy have been up to over the past couple of months. It’s been a minute since we’ve checked in on the ever-frugal Jensen family. But they’ve been gone for a good reason. Back at the start of the summer, Carl and Mindy decided that they were finished with rehabbing and big fixer-upper projects. Then they found the perfect opportunity, waiting just a few doors down from them. So, they jumped at the chance to make another deal work.

But Carl and Mindy did this type of deal in a peculiar way. Not only did they find it off-market, but they also funded it without a mortgage. Don’t get too excited—Carl and Mindy didn’t drop hundreds of thousands in cash just to buy one house. But, they did use another form of financing that most real estate investors aren’t aware of—margin loans. These types of stock portfolio-leveraged loans can come with unbelievably low interest rates. But, when equity values start to drop, so too can your safety when you use this type of financing.

But it’s not all about property purchasing on this episode of Mindy &#38; Carl’s Budget Review. The duo also talks aboutwhy their expense tracking has fallen off and how not knowing your expenses can cause far bigger problems than you’d think. They also touch on the medium-term rental strategy and how you can use it to get far higher rents with very little turnover in almost any of your rental properties! If this strategy interests you, we highly recommend grabbing the new book, 30-Day Stay.




In This Episode We Cover

Budgeting mistakes and how easy it is to get off track when you don’t know what you’re spending on

Carl and Mindy’s newest fixer-upper, medium-term rental property purchase

Using margin loans (stock loans) to fund your real estate deals

When it makes sense to use a variable loan over a traditional fixed-rate mortgage 

How to profitably provide housing for those that have been affected by natural disasters

The easiest way to get caught for mortgage fraud (and go to prison!)

And So Much More!




Links from the Show

Find an Investor-Friendly Real Estate Agent

BiggerPockets Money Facebook Group

BiggerPockets Forums

Finance Review Guest Onboarding

Mindy's Twitter

Mile High FI Podcast

1,500 Days to Freedom

Carl's Email

Listen to All Your Favorite BiggerPockets Podcasts in One Place

Apply to Be a Guest on The Money Show

Podcast Talent Search!

Subscribe to The “On The Market” YouTube Channel

Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets

Check Out Mindy’s 2022 Live Spending Tracker and Budget

Spending Categories to Cut During a Downturn &#124; Mindy &#38; Carl’s Budget Review




Click here to check the full show notes: https://www.biggerpockets.com/blog/money-350




Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Check out our sponsor page!]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC3224656113.mp3" length="43987591" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[Margin loans, medium-term rentals, and potential mortgage rate mistakes summarize what Carl and Mindy have been up to over the past couple of months. It’s been a minute since we’ve checked in on the ever-frugal Jensen family. But they’ve been gone for a good reason. Back at the start of the summer, Carl and Mindy decided that they were finished with rehabbing and big fixer-upper projects. Then they found the perfect opportunity, waiting just a few doors down from them. So, they jumped at the chance to make another deal work.

But Carl and Mindy did this type of deal in a peculiar way. Not only did they find it off-market, but they also funded it without a mortgage. Don’t get too excited—Carl and Mindy didn’t drop hundreds of thousands in cash just to buy one house. But, they did use another form of financing that most real estate investors aren’t aware of—margin loans. These types of stock portfolio-leveraged loans can come with unbelievably low interest rates. But, when equity values start to drop, so too can your safety when you use this type of financing.

But it’s not all about property purchasing on this episode of Mindy &#38; Carl’s Budget Review. The duo also talks aboutwhy their expense tracking has fallen off and how not knowing your expenses can cause far bigger problems than you’d think. They also touch on the medium-term rental strategy and how you can use it to get far higher rents with very little turnover in almost any of your rental properties! If this strategy interests you, we highly recommend grabbing the new book, 30-Day Stay.




In This Episode We Cover

Budgeting mistakes and how easy it is to get off track when you don’t know what you’re spending on

Carl and Mindy’s newest fixer-upper, medium-term rental property purchase

Using margin loans (stock loans) to fund your real estate deals

When it makes sense to use a variable loan over a traditional fixed-rate mortgage 

How to profitably provide housing for those that have been affected by natural disasters

The easiest way to get caught for mortgage fraud (and go to prison!)

And So Much More!




Links from the Show

Find an Investor-Friendly Real Estate Agent

BiggerPockets Money Facebook Group

BiggerPockets Forums

Finance Review Guest Onboarding

Mindy's Twitter

Mile High FI Podcast

1,500 Days to Freedom

Carl's Email

Listen to All Your Favorite BiggerPockets Podcasts in One Place

Apply to Be a Guest on The Money Show

Podcast Talent Search!

Subscribe to The “On The Market” YouTube Channel

Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets

Check Out Mindy’s 2022 Live Spending Tracker and Budget

Spending Categories to Cut During a Downturn &#124; Mindy &#38; Carl’s Budget Review




Click here to check the full show notes: https://www.biggerpockets.com/blog/money-350




Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Check out our sponsor page!]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[Margin loans, medium-term rentals, and potential mortgage rate mistakes summarize what Carl and Mindy have been up to over the past couple of months. It’s been a minute since we’ve checked in on the ever-frugal Jensen family. But they’ve been gone for a good reason. Back at the start of the summer, Carl and Mindy decided that they were finished with rehabbing and big fixer-upper projects. Then they found the perfect opportunity, waiting just a few doors down from them. So, they jumped at the chance to make another deal work.

But Carl and Mindy did this type of deal in a peculiar way. Not only did they find it off-market, but they also funded it without a mortgage. Don’t get too excited—Carl and Mindy didn’t drop hundreds of thousands in cash just to buy one house. But, they did use another form of financing that most real estate investors aren’t aware of—margin loans. These types of stock portfolio-leveraged loans can come with unbelievably low interest rates. But, when equity values]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>349: When to Buy New vs. Used and is That Car Repair Worth the Cash?</title>
	<link>https://biggerpocketsmoney.com/podcast/349-when-to-buy-new-vs-used-and-is-that-car-repair-worth-the-cash/</link>
	<pubDate>Mon, 31 Oct 2022 06:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">gid://art19-episode-locator/V0/f9itgK7OgLhu4zu2vdJFa7nK1om2Uvou5qcJ5xrZf_k</guid>
	<description><![CDATA[The new vs. used car debate has been going on for as long as automobiles have existed. For almost the entirety of time when cars were being bought and sold, it seemed like a responsible, frugal decision to buy used, save up some money, and take the repairs with the deal. But inflation has changed this debate in 2022 (and beyond). Used car prices are high—sometimes even higher than new cars—prompting shoppers to reconsider what makes the most financial sense.

In the first half of this show, we talk to Liz Frugalwoods, financial blogger and borderline professional at buying and selling cars. She recently made the bold decision to buy new—a shock to many of her readers. How could Liz, a financial independence expert, do something as careless as buying a brand-new car? Had she given up on the path to frugality? Not exactly. Liz shares some good reasons why buying new instead of used makes more sense, especially today.

To close out the episode, we bring on local mechanic Jesse Johnson, who gives a brief masterclass on buying, selling, and maintaining cars. As a mechanic with decades of experience, he knows exactly what car owners do to slowly destroy their daily drivers. He also knows how to get the most bang for your buck and when it’s the right time to sell that clunker sitting in your driveway.




In This Episode We Cover

The reasoning (and math) behind buying a new car vs. buying a used car

Taxes, registration, fees, and other trade-offs when buying new vs. used

The most important questions to ask yourself when shopping for a vehicle 

Tips when selling a used car and the #1 thing to NEVER do 

What parts of a car are worth repairing and which can wait

How to find a great mechanic in your area and get a free car wash

Trade-in tips and what to know to get the most out of a dealer

And So Much More!




Links from the Show

Find an Investor-Friendly Real Estate Agent

BiggerPockets Money Facebook Group

BiggerPockets Forums

Finance Review Guest Onboarding

Mindy's Twitter

Scott's Instagram

The “Mile High FI” Podcast

1,500 Days to Freedom

1500 Days YouTube Channel

Listen to All Your Favorite BiggerPockets Podcasts in One Place

Apply to Be a Guest on The Money Show

Podcast Talent Search!

Subscribe to The “On The Market” YouTube Channel

Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets

Check Out Mindy’s 2022 Live Spending Tracker and Budget

Frugalwoods - Financial Independence and Simple Living

Why We Bought a New Car




Click here to check the full show notes: https://www.biggerpockets.com/blog/money-349




Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Check out our sponsor page!]]></description>
	<itunes:subtitle><![CDATA[The new vs. used car debate has been going on for as long as automobiles have existed. For almost the entirety of time when cars were being bought and sold, it seemed like a responsible, frugal decision to buy used, save up some money, and take the repai]]></itunes:subtitle>
	<content:encoded><![CDATA[The new vs. used car debate has been going on for as long as automobiles have existed. For almost the entirety of time when cars were being bought and sold, it seemed like a responsible, frugal decision to buy used, save up some money, and take the repairs with the deal. But inflation has changed this debate in 2022 (and beyond). Used car prices are high—sometimes even higher than new cars—prompting shoppers to reconsider what makes the most financial sense.

In the first half of this show, we talk to Liz Frugalwoods, financial blogger and borderline professional at buying and selling cars. She recently made the bold decision to buy new—a shock to many of her readers. How could Liz, a financial independence expert, do something as careless as buying a brand-new car? Had she given up on the path to frugality? Not exactly. Liz shares some good reasons why buying new instead of used makes more sense, especially today.

To close out the episode, we bring on local mechanic Jesse Johnson, who gives a brief masterclass on buying, selling, and maintaining cars. As a mechanic with decades of experience, he knows exactly what car owners do to slowly destroy their daily drivers. He also knows how to get the most bang for your buck and when it’s the right time to sell that clunker sitting in your driveway.




In This Episode We Cover

The reasoning (and math) behind buying a new car vs. buying a used car

Taxes, registration, fees, and other trade-offs when buying new vs. used

The most important questions to ask yourself when shopping for a vehicle 

Tips when selling a used car and the #1 thing to NEVER do 

What parts of a car are worth repairing and which can wait

How to find a great mechanic in your area and get a free car wash

Trade-in tips and what to know to get the most out of a dealer

And So Much More!




Links from the Show

Find an Investor-Friendly Real Estate Agent

BiggerPockets Money Facebook Group

BiggerPockets Forums

Finance Review Guest Onboarding

Mindy's Twitter

Scott's Instagram

The “Mile High FI” Podcast

1,500 Days to Freedom

1500 Days YouTube Channel

Listen to All Your Favorite BiggerPockets Podcasts in One Place

Apply to Be a Guest on The Money Show

Podcast Talent Search!

Subscribe to The “On The Market” YouTube Channel

Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets

Check Out Mindy’s 2022 Live Spending Tracker and Budget

Frugalwoods - Financial Independence and Simple Living

Why We Bought a New Car




Click here to check the full show notes: https://www.biggerpockets.com/blog/money-349




Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Check out our sponsor page!]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC1894202548.mp3" length="79418535" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[The new vs. used car debate has been going on for as long as automobiles have existed. For almost the entirety of time when cars were being bought and sold, it seemed like a responsible, frugal decision to buy used, save up some money, and take the repairs with the deal. But inflation has changed this debate in 2022 (and beyond). Used car prices are high—sometimes even higher than new cars—prompting shoppers to reconsider what makes the most financial sense.

In the first half of this show, we talk to Liz Frugalwoods, financial blogger and borderline professional at buying and selling cars. She recently made the bold decision to buy new—a shock to many of her readers. How could Liz, a financial independence expert, do something as careless as buying a brand-new car? Had she given up on the path to frugality? Not exactly. Liz shares some good reasons why buying new instead of used makes more sense, especially today.

To close out the episode, we bring on local mechanic Jesse Johnson, who gives a brief masterclass on buying, selling, and maintaining cars. As a mechanic with decades of experience, he knows exactly what car owners do to slowly destroy their daily drivers. He also knows how to get the most bang for your buck and when it’s the right time to sell that clunker sitting in your driveway.




In This Episode We Cover

The reasoning (and math) behind buying a new car vs. buying a used car

Taxes, registration, fees, and other trade-offs when buying new vs. used

The most important questions to ask yourself when shopping for a vehicle 

Tips when selling a used car and the #1 thing to NEVER do 

What parts of a car are worth repairing and which can wait

How to find a great mechanic in your area and get a free car wash

Trade-in tips and what to know to get the most out of a dealer

And So Much More!




Links from the Show

Find an Investor-Friendly Real Estate Agent

BiggerPockets Money Facebook Group

BiggerPockets Forums

Finance Review Guest Onboarding

Mindy's Twitter

Scott's Instagram

The “Mile High FI” Podcast

1,500 Days to Freedom

1500 Days YouTube Channel

Listen to All Your Favorite BiggerPockets Podcasts in One Place

Apply to Be a Guest on The Money Show

Podcast Talent Search!

Subscribe to The “On The Market” YouTube Channel

Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets

Check Out Mindy’s 2022 Live Spending Tracker and Budget

Frugalwoods - Financial Independence and Simple Living

Why We Bought a New Car




Click here to check the full show notes: https://www.biggerpockets.com/blog/money-349




Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Check out our sponsor page!]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[The new vs. used car debate has been going on for as long as automobiles have existed. For almost the entirety of time when cars were being bought and sold, it seemed like a responsible, frugal decision to buy used, save up some money, and take the repairs with the deal. But inflation has changed this debate in 2022 (and beyond). Used car prices are high—sometimes even higher than new cars—prompting shoppers to reconsider what makes the most financial sense.

In the first half of this show, we talk to Liz Frugalwoods, financial blogger and borderline professional at buying and selling cars. She recently made the bold decision to buy new—a shock to many of her readers. How could Liz, a financial independence expert, do something as careless as buying a brand-new car? Had she given up on the path to frugality? Not exactly. Liz shares some good reasons why buying new instead of used makes more sense, especially today.

To close out the episode, we bring on local mechanic Jesse Johnson, w]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>348: Finance Friday: How to Start Investing After Becoming Debt-Free</title>
	<link>https://biggerpocketsmoney.com/podcast/348-finance-friday-how-to-start-investing-after-becoming-debt-free/</link>
	<pubDate>Fri, 28 Oct 2022 06:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">gid://art19-episode-locator/V0/nhnuJ6DqjCP5XWNK8EV2mCX3b1hyvmi6q4tpsNiJJmo</guid>
	<description><![CDATA[Unless you’re a money nerd, knowing how to start investing from scratch isn’t as easy as it seems. With so many options out there and the economy faltering, how do beginners avoid getting burnt? Is something like real estate investing out of reach for new investors in times like today? These questions become even more complicated if you’re like today’s guest, Steven.

Steven recently became debt-free (woohoo!) after paying off six figures worth of combined student, auto, and credit card debt. But because he’s been so focused on paying off debt, investing isn’t coming easy to him. With a baby on the way, he wants to be sure he’s making the smartest moves possible to put himself, his wife, and his child in a position to succeed. But real estate investing, stocks, and other assets aren’t his only worry.

With two job offers on the table, both with separate benefits and drawbacks, Steven is suffering from analysis paralysis, unsure how to move forward. Should he take the job with higher pay and remote flexibility or go with thelower-paid job that offers career growth potential? Thankfully, with Scott out on dad duty, Mindy doesn't have to serve as the lone suggester. Joining her on this episode is J Scott, experienced investor, father, and author of the newest book, Real Estate by the Numbers!




In This Episode We Cover

Paying off $100K in debt and how today’s guest did it in just three years

Finding your financial tribe by attending meetups, joining Facebook groups, and connecting on the BiggerPockets forums

Flexibility vs. finances in a job and which is more important for a new parent?

Eating out expenses and how investing a few meals’ worth of expenses could change your child's future

How to start investing as a beginner and the dangers in diversifying for those who want to build wealth

Side hustles, moving to inexpensive areas, and more financial tradeoffs for a flexible lifestyle

And So Much More!




Links from the Show

BiggerPockets Money Facebook Group

BiggerPockets Forums

Finance Review Guest Onboarding

Mindy's Twitter

J’s BiggerPockets Profile

J’s Personal Website

Listen to All Your Favorite BiggerPockets Podcasts in One Place

Apply to Be a Guest on The Money Show

Podcast Talent Search!

Subscribe to The “On The Market” YouTube Channel

Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets

Check Out Mindy’s 2022 Live Spending Tracker and Budget

The Money Date: What You Should (And Definitely Should Not) Do to Align Your Finances as a Couple

7 Tips for Successfully Investing in ANY Market Condition With J Scott

Dave Ramsey Solutions

ChooseFi Podcast

Our Phantastic Life Youtube Channel




Click here to check the full show notes: https://www.biggerpockets.com/blog/money-348




Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Check out our sponsor page!]]></description>
	<itunes:subtitle><![CDATA[Unless you’re a money nerd, knowing how to start investing from scratch isn’t as easy as it seems. With so many options out there and the economy faltering, how do beginners avoid getting burnt? Is something like real estate investing out of reach for ne]]></itunes:subtitle>
	<content:encoded><![CDATA[Unless you’re a money nerd, knowing how to start investing from scratch isn’t as easy as it seems. With so many options out there and the economy faltering, how do beginners avoid getting burnt? Is something like real estate investing out of reach for new investors in times like today? These questions become even more complicated if you’re like today’s guest, Steven.

Steven recently became debt-free (woohoo!) after paying off six figures worth of combined student, auto, and credit card debt. But because he’s been so focused on paying off debt, investing isn’t coming easy to him. With a baby on the way, he wants to be sure he’s making the smartest moves possible to put himself, his wife, and his child in a position to succeed. But real estate investing, stocks, and other assets aren’t his only worry.

With two job offers on the table, both with separate benefits and drawbacks, Steven is suffering from analysis paralysis, unsure how to move forward. Should he take the job with higher pay and remote flexibility or go with thelower-paid job that offers career growth potential? Thankfully, with Scott out on dad duty, Mindy doesn't have to serve as the lone suggester. Joining her on this episode is J Scott, experienced investor, father, and author of the newest book, Real Estate by the Numbers!




In This Episode We Cover

Paying off $100K in debt and how today’s guest did it in just three years

Finding your financial tribe by attending meetups, joining Facebook groups, and connecting on the BiggerPockets forums

Flexibility vs. finances in a job and which is more important for a new parent?

Eating out expenses and how investing a few meals’ worth of expenses could change your child's future

How to start investing as a beginner and the dangers in diversifying for those who want to build wealth

Side hustles, moving to inexpensive areas, and more financial tradeoffs for a flexible lifestyle

And So Much More!




Links from the Show

BiggerPockets Money Facebook Group

BiggerPockets Forums

Finance Review Guest Onboarding

Mindy's Twitter

J’s BiggerPockets Profile

J’s Personal Website

Listen to All Your Favorite BiggerPockets Podcasts in One Place

Apply to Be a Guest on The Money Show

Podcast Talent Search!

Subscribe to The “On The Market” YouTube Channel

Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets

Check Out Mindy’s 2022 Live Spending Tracker and Budget

The Money Date: What You Should (And Definitely Should Not) Do to Align Your Finances as a Couple

7 Tips for Successfully Investing in ANY Market Condition With J Scott

Dave Ramsey Solutions

ChooseFi Podcast

Our Phantastic Life Youtube Channel




Click here to check the full show notes: https://www.biggerpockets.com/blog/money-348




Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Check out our sponsor page!]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC3620324074.mp3" length="67172131" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[Unless you’re a money nerd, knowing how to start investing from scratch isn’t as easy as it seems. With so many options out there and the economy faltering, how do beginners avoid getting burnt? Is something like real estate investing out of reach for new investors in times like today? These questions become even more complicated if you’re like today’s guest, Steven.

Steven recently became debt-free (woohoo!) after paying off six figures worth of combined student, auto, and credit card debt. But because he’s been so focused on paying off debt, investing isn’t coming easy to him. With a baby on the way, he wants to be sure he’s making the smartest moves possible to put himself, his wife, and his child in a position to succeed. But real estate investing, stocks, and other assets aren’t his only worry.

With two job offers on the table, both with separate benefits and drawbacks, Steven is suffering from analysis paralysis, unsure how to move forward. Should he take the job with higher pay and remote flexibility or go with thelower-paid job that offers career growth potential? Thankfully, with Scott out on dad duty, Mindy doesn't have to serve as the lone suggester. Joining her on this episode is J Scott, experienced investor, father, and author of the newest book, Real Estate by the Numbers!




In This Episode We Cover

Paying off $100K in debt and how today’s guest did it in just three years

Finding your financial tribe by attending meetups, joining Facebook groups, and connecting on the BiggerPockets forums

Flexibility vs. finances in a job and which is more important for a new parent?

Eating out expenses and how investing a few meals’ worth of expenses could change your child's future

How to start investing as a beginner and the dangers in diversifying for those who want to build wealth

Side hustles, moving to inexpensive areas, and more financial tradeoffs for a flexible lifestyle

And So Much More!




Links from the Show

BiggerPockets Money Facebook Group

BiggerPockets Forums

Finance Review Guest Onboarding

Mindy's Twitter

J’s BiggerPockets Profile

J’s Personal Website

Listen to All Your Favorite BiggerPockets Podcasts in One Place

Apply to Be a Guest on The Money Show

Podcast Talent Search!

Subscribe to The “On The Market” YouTube Channel

Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets

Check Out Mindy’s 2022 Live Spending Tracker and Budget

The Money Date: What You Should (And Definitely Should Not) Do to Align Your Finances as a Couple

7 Tips for Successfully Investing in ANY Market Condition With J Scott

Dave Ramsey Solutions

ChooseFi Podcast

Our Phantastic Life Youtube Channel




Click here to check the full show notes: https://www.biggerpockets.com/blog/money-348




Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Check out our sponsor page!]]></itunes:summary>
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	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[Unless you’re a money nerd, knowing how to start investing from scratch isn’t as easy as it seems. With so many options out there and the economy faltering, how do beginners avoid getting burnt? Is something like real estate investing out of reach for new investors in times like today? These questions become even more complicated if you’re like today’s guest, Steven.

Steven recently became debt-free (woohoo!) after paying off six figures worth of combined student, auto, and credit card debt. But because he’s been so focused on paying off debt, investing isn’t coming easy to him. With a baby on the way, he wants to be sure he’s making the smartest moves possible to put himself, his wife, and his child in a position to succeed. But real estate investing, stocks, and other assets aren’t his only worry.

With two job offers on the table, both with separate benefits and drawbacks, Steven is suffering from analysis paralysis, unsure how to move forward. Should he take the job with higher p]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>347: Why “Just Keep Buying” is The Smartest, Simplest Way to Get Rich</title>
	<link>https://biggerpocketsmoney.com/podcast/347-why-just-keep-buying-is-the-smartest-simplest-way-to-get-rich/</link>
	<pubDate>Mon, 24 Oct 2022 06:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">gid://art19-episode-locator/V0/fTEKpgXHsZBIY3CF788d0wnio2MWjMohJ9jRw-DNQd4</guid>
	<description><![CDATA[Dollar-cost averaging—you may have heard the term before, but maybe not its implications. According to Nick Maggiulli, it’s probably the easiest way to get rich with stocks, real estate, or really anything else. But what about buying the dip? Wouldn’t investing at historic lows be the wisest move to make when the markets take a tumble? Surprisingly, no! Don’t believe us? Listen on!

Nick’s investing theory is simple. But, the math backs it up. Doing less will make you more money—much more money. In his book, Just Keep Buying, Nick lays down the time-tested, proven ways to build wealth without being an expert day trader, cryptocurrency coder, or stressed-out landlord. This simple system of investing will allow you to build an almost unspendable nest egg without being glued to the market charts and graphs all day long.

But maybe stocks aren’t your thing. Maybe you're chasing hundred-millionaire status? Don’t worry, Nick also gives his take on achieving monumental money goals without following the same path as everyone else. No matter where you’re at in life, this is an investing lesson worth learning as early as possible!




In This Episode We Cover

Dollar-cost averaging vs. buying the dip and which will make you more in the long run

How to invest with a falling stock market, high interest rates, and higher bond yields

Individual stocks vs. index funds and who should pick which type of investment

Cryptocurrency, NFTs, and investing in alternative assets

The downside of diversification and why it won’t help you build a big portfolio

Why even billionaires don’t feel like they’re rich enough

And So Much More!




Links from the Show

Find an Investor-Friendly Real Estate Agent

BiggerPockets Money Facebook Group

BiggerPockets Forums

Finance Review Guest Onboarding

Mindy's Twitter

Scott's Instagram

Listen to All Your Favorite BiggerPockets Podcasts in One Place

Apply to Be a Guest on The Money Show

Podcast Talent Search!

Subscribe to The “On The Market” YouTube Channel

Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets

Check Out Mindy’s 2022 Live Spending Tracker and Budget

Are FIRE Naysayers Bad at Math? Yes. with Michael Kitces




Click here to check the full show notes: https://www.biggerpockets.com/blog/money-347




Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Check out our sponsor page!]]></description>
	<itunes:subtitle><![CDATA[Dollar-cost averaging—you may have heard the term before, but maybe not its implications. According to Nick Maggiulli, it’s probably the easiest way to get rich with stocks, real estate, or really anything else. But what about buying the dip? Wouldn’t in]]></itunes:subtitle>
	<content:encoded><![CDATA[Dollar-cost averaging—you may have heard the term before, but maybe not its implications. According to Nick Maggiulli, it’s probably the easiest way to get rich with stocks, real estate, or really anything else. But what about buying the dip? Wouldn’t investing at historic lows be the wisest move to make when the markets take a tumble? Surprisingly, no! Don’t believe us? Listen on!

Nick’s investing theory is simple. But, the math backs it up. Doing less will make you more money—much more money. In his book, Just Keep Buying, Nick lays down the time-tested, proven ways to build wealth without being an expert day trader, cryptocurrency coder, or stressed-out landlord. This simple system of investing will allow you to build an almost unspendable nest egg without being glued to the market charts and graphs all day long.

But maybe stocks aren’t your thing. Maybe you're chasing hundred-millionaire status? Don’t worry, Nick also gives his take on achieving monumental money goals without following the same path as everyone else. No matter where you’re at in life, this is an investing lesson worth learning as early as possible!




In This Episode We Cover

Dollar-cost averaging vs. buying the dip and which will make you more in the long run

How to invest with a falling stock market, high interest rates, and higher bond yields

Individual stocks vs. index funds and who should pick which type of investment

Cryptocurrency, NFTs, and investing in alternative assets

The downside of diversification and why it won’t help you build a big portfolio

Why even billionaires don’t feel like they’re rich enough

And So Much More!




Links from the Show

Find an Investor-Friendly Real Estate Agent

BiggerPockets Money Facebook Group

BiggerPockets Forums

Finance Review Guest Onboarding

Mindy's Twitter

Scott's Instagram

Listen to All Your Favorite BiggerPockets Podcasts in One Place

Apply to Be a Guest on The Money Show

Podcast Talent Search!

Subscribe to The “On The Market” YouTube Channel

Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets

Check Out Mindy’s 2022 Live Spending Tracker and Budget

Are FIRE Naysayers Bad at Math? Yes. with Michael Kitces




Click here to check the full show notes: https://www.biggerpockets.com/blog/money-347




Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Check out our sponsor page!]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC9264693668.mp3" length="55944506" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[Dollar-cost averaging—you may have heard the term before, but maybe not its implications. According to Nick Maggiulli, it’s probably the easiest way to get rich with stocks, real estate, or really anything else. But what about buying the dip? Wouldn’t investing at historic lows be the wisest move to make when the markets take a tumble? Surprisingly, no! Don’t believe us? Listen on!

Nick’s investing theory is simple. But, the math backs it up. Doing less will make you more money—much more money. In his book, Just Keep Buying, Nick lays down the time-tested, proven ways to build wealth without being an expert day trader, cryptocurrency coder, or stressed-out landlord. This simple system of investing will allow you to build an almost unspendable nest egg without being glued to the market charts and graphs all day long.

But maybe stocks aren’t your thing. Maybe you're chasing hundred-millionaire status? Don’t worry, Nick also gives his take on achieving monumental money goals without following the same path as everyone else. No matter where you’re at in life, this is an investing lesson worth learning as early as possible!




In This Episode We Cover

Dollar-cost averaging vs. buying the dip and which will make you more in the long run

How to invest with a falling stock market, high interest rates, and higher bond yields

Individual stocks vs. index funds and who should pick which type of investment

Cryptocurrency, NFTs, and investing in alternative assets

The downside of diversification and why it won’t help you build a big portfolio

Why even billionaires don’t feel like they’re rich enough

And So Much More!




Links from the Show

Find an Investor-Friendly Real Estate Agent

BiggerPockets Money Facebook Group

BiggerPockets Forums

Finance Review Guest Onboarding

Mindy's Twitter

Scott's Instagram

Listen to All Your Favorite BiggerPockets Podcasts in One Place

Apply to Be a Guest on The Money Show

Podcast Talent Search!

Subscribe to The “On The Market” YouTube Channel

Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets

Check Out Mindy’s 2022 Live Spending Tracker and Budget

Are FIRE Naysayers Bad at Math? Yes. with Michael Kitces




Click here to check the full show notes: https://www.biggerpockets.com/blog/money-347




Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Check out our sponsor page!]]></itunes:summary>
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	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[Dollar-cost averaging—you may have heard the term before, but maybe not its implications. According to Nick Maggiulli, it’s probably the easiest way to get rich with stocks, real estate, or really anything else. But what about buying the dip? Wouldn’t investing at historic lows be the wisest move to make when the markets take a tumble? Surprisingly, no! Don’t believe us? Listen on!

Nick’s investing theory is simple. But, the math backs it up. Doing less will make you more money—much more money. In his book, Just Keep Buying, Nick lays down the time-tested, proven ways to build wealth without being an expert day trader, cryptocurrency coder, or stressed-out landlord. This simple system of investing will allow you to build an almost unspendable nest egg without being glued to the market charts and graphs all day long.

But maybe stocks aren’t your thing. Maybe you're chasing hundred-millionaire status? Don’t worry, Nick also gives his take on achieving monumental money goals without fo]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
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<item>
	<title>346: Finance Friday: How Sabbaticals Make You Happier, Healthier, and Wealthier</title>
	<link>https://biggerpocketsmoney.com/podcast/346-finance-friday-how-sabbaticals-make-you-happier-healthier-and-wealthier/</link>
	<pubDate>Fri, 21 Oct 2022 06:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">gid://art19-episode-locator/V0/Yr4KX2nHcSLUztEOYKmUVpWX3GgpG5PtEUeiMDJusxQ</guid>
	<description><![CDATA[Taking a sabbatical from work requires a few things: time, money, and the willpower to do some soul-searching. Most people think that they can’t take any more than two weeks of the year off work. They rack up excuses, blaming timing, too many projects, and everything in between. But what if taking a sabbatical, gap year, or any other type of long-ish break was the key to building wealth faster and being a happier, healthier you?

Today’s guest Cindy, left a high-paid, stable job to take some much-needed time off. And after doing so, she’s urging you to do the same. Cindy, like most Americans, hasn’t taken time off since starting her working career. Besides the regular vacations and holidays, there never seemed like a good time for Cindy to take a break, recollect, and ask herself what she truly wanted. After taking a mini-sabbatical, she built up the courage to leave her job and hop off the grid for a bit.

Surprisingly, Cindy’s net worth didn’t dwindle during her time off—it grew! This positive push from the markets and her newfound clarity allowed her to discover new passions, try self-employment, and later snag a much better job while continuing to work towards early retirement. If you’ve been debating taking some time off, this episode will give you all the tips you need to do so!




In This Episode We Cover

Building your list of “alternative careers” to widen your job possibilities

Branching out far beyond your job title and doing more than what your degree is in

How to sample a sabbatical to see whether or not you could handle the real thing

Quitting your job during turbulent times and how to temporarily prepare for life without work

Funding life with a job and what to do before you quit

Planning out your passions so your sabbatical isn’t put to waste

How employers look at applicants who just took a sabbatical (it’s not what you think!)

And So Much More!




Links from the Show

BiggerPockets Money Facebook Group

BiggerPockets Forums

Finance Review Guest Onboarding

Mindy's Twitter

David on BiggerPockets

David’s Site From Military to Millionaire

Listen to All Your Favorite BiggerPockets Podcasts in One Place

Apply to Be a Guest on The Money Show

Podcast Talent Search!

Subscribe to The “On The Market” YouTube Channel

Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets

Check Out Mindy’s 2022 Live Spending Tracker and Budget




Click here to check the full show notes: https://www.biggerpockets.com/blog/money-

Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Check out our sponsor page!]]></description>
	<itunes:subtitle><![CDATA[Taking a sabbatical from work requires a few things: time, money, and the willpower to do some soul-searching. Most people think that they can’t take any more than two weeks of the year off work. They rack up excuses, blaming timing, too many projects, a]]></itunes:subtitle>
	<content:encoded><![CDATA[Taking a sabbatical from work requires a few things: time, money, and the willpower to do some soul-searching. Most people think that they can’t take any more than two weeks of the year off work. They rack up excuses, blaming timing, too many projects, and everything in between. But what if taking a sabbatical, gap year, or any other type of long-ish break was the key to building wealth faster and being a happier, healthier you?

Today’s guest Cindy, left a high-paid, stable job to take some much-needed time off. And after doing so, she’s urging you to do the same. Cindy, like most Americans, hasn’t taken time off since starting her working career. Besides the regular vacations and holidays, there never seemed like a good time for Cindy to take a break, recollect, and ask herself what she truly wanted. After taking a mini-sabbatical, she built up the courage to leave her job and hop off the grid for a bit.

Surprisingly, Cindy’s net worth didn’t dwindle during her time off—it grew! This positive push from the markets and her newfound clarity allowed her to discover new passions, try self-employment, and later snag a much better job while continuing to work towards early retirement. If you’ve been debating taking some time off, this episode will give you all the tips you need to do so!




In This Episode We Cover

Building your list of “alternative careers” to widen your job possibilities

Branching out far beyond your job title and doing more than what your degree is in

How to sample a sabbatical to see whether or not you could handle the real thing

Quitting your job during turbulent times and how to temporarily prepare for life without work

Funding life with a job and what to do before you quit

Planning out your passions so your sabbatical isn’t put to waste

How employers look at applicants who just took a sabbatical (it’s not what you think!)

And So Much More!




Links from the Show

BiggerPockets Money Facebook Group

BiggerPockets Forums

Finance Review Guest Onboarding

Mindy's Twitter

David on BiggerPockets

David’s Site From Military to Millionaire

Listen to All Your Favorite BiggerPockets Podcasts in One Place

Apply to Be a Guest on The Money Show

Podcast Talent Search!

Subscribe to The “On The Market” YouTube Channel

Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets

Check Out Mindy’s 2022 Live Spending Tracker and Budget




Click here to check the full show notes: https://www.biggerpockets.com/blog/money-

Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Check out our sponsor page!]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC2966808395.mp3" length="54768053" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[Taking a sabbatical from work requires a few things: time, money, and the willpower to do some soul-searching. Most people think that they can’t take any more than two weeks of the year off work. They rack up excuses, blaming timing, too many projects, and everything in between. But what if taking a sabbatical, gap year, or any other type of long-ish break was the key to building wealth faster and being a happier, healthier you?

Today’s guest Cindy, left a high-paid, stable job to take some much-needed time off. And after doing so, she’s urging you to do the same. Cindy, like most Americans, hasn’t taken time off since starting her working career. Besides the regular vacations and holidays, there never seemed like a good time for Cindy to take a break, recollect, and ask herself what she truly wanted. After taking a mini-sabbatical, she built up the courage to leave her job and hop off the grid for a bit.

Surprisingly, Cindy’s net worth didn’t dwindle during her time off—it grew! This positive push from the markets and her newfound clarity allowed her to discover new passions, try self-employment, and later snag a much better job while continuing to work towards early retirement. If you’ve been debating taking some time off, this episode will give you all the tips you need to do so!




In This Episode We Cover

Building your list of “alternative careers” to widen your job possibilities

Branching out far beyond your job title and doing more than what your degree is in

How to sample a sabbatical to see whether or not you could handle the real thing

Quitting your job during turbulent times and how to temporarily prepare for life without work

Funding life with a job and what to do before you quit

Planning out your passions so your sabbatical isn’t put to waste

How employers look at applicants who just took a sabbatical (it’s not what you think!)

And So Much More!




Links from the Show

BiggerPockets Money Facebook Group

BiggerPockets Forums

Finance Review Guest Onboarding

Mindy's Twitter

David on BiggerPockets

David’s Site From Military to Millionaire

Listen to All Your Favorite BiggerPockets Podcasts in One Place

Apply to Be a Guest on The Money Show

Podcast Talent Search!

Subscribe to The “On The Market” YouTube Channel

Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets

Check Out Mindy’s 2022 Live Spending Tracker and Budget




Click here to check the full show notes: https://www.biggerpockets.com/blog/money-

Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Check out our sponsor page!]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[Taking a sabbatical from work requires a few things: time, money, and the willpower to do some soul-searching. Most people think that they can’t take any more than two weeks of the year off work. They rack up excuses, blaming timing, too many projects, and everything in between. But what if taking a sabbatical, gap year, or any other type of long-ish break was the key to building wealth faster and being a happier, healthier you?

Today’s guest Cindy, left a high-paid, stable job to take some much-needed time off. And after doing so, she’s urging you to do the same. Cindy, like most Americans, hasn’t taken time off since starting her working career. Besides the regular vacations and holidays, there never seemed like a good time for Cindy to take a break, recollect, and ask herself what she truly wanted. After taking a mini-sabbatical, she built up the courage to leave her job and hop off the grid for a bit.

Surprisingly, Cindy’s net worth didn’t dwindle during her time off—it grew! Th]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>345: Divorced and $250K in Debt to Financially Free in 10 Years</title>
	<link>https://biggerpocketsmoney.com/podcast/345-divorced-and-250k-in-debt-to-financially-free-in-10-years/</link>
	<pubDate>Mon, 17 Oct 2022 06:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">gid://art19-episode-locator/V0/4z0h2C2ueyrmjUyLAlIs8l5hOBOtUxXIf_ksdAofXGw</guid>
	<description><![CDATA[We know financial freedom is possible for those in their 20s and 30s, just starting their careers, without children and serious financial obligations. But what about those getting started on their journey in their 40s and 50s? What about the stories of those who’ve had lifelong debt, went through a financially destructive divorce, or didn’t know early retirement was an option?

Monica Scudieri, author of Grab Your Slice of Financial Independence, wasn’t financially free until recently. For the past decade, she’s been working hard to pay off a quarter of a million dollars in debt, get her investments in line, and rebuild a life that was financially set back thanks to divorce. While she sounds like a veteran money expert, Monica wasn’t always this frugal. She remembers spending 90% of her paycheck as soon as she got paid, and her ex-husband did very much the same.

After her divorce, Monica was left with an astonishing amount of debt, very few assets, and close to no cash. She worked hard for the next decade digging herself out of debt, building up a cash-flowing rental property portfolio, and financially optimizing her life in every way she could. Now, she’s financially free, coaching others on how they can do the same!




In This Episode We Cover

Financial red flags to look out for when dating (and what to do if you spot them)

Budgeting, tracking your expenses, and the smarter way to ensure you’re not overspending 

Having the “money conversation” with your partner or spouse before it’s too late

Downsizing and ignoring lifestyle creep even if your partner can’t

Building a small rental property portfolio and the huge benefits of investing early

Side hustles and doing whatever you can to get out of consumer debt

Why the Honda Civic remains the FIRE movement’s vehicle of choice

And So Much More!




Links from the Show

BiggerPockets Money Facebook Group

BiggerPockets Forums

Finance Review Guest Onboarding

Mindy's Twitter

Listen to All Your Favorite BiggerPockets Podcasts in One Place

Apply to Be a Guest on The Money Show

Podcast Talent Search!

Subscribe to The “On The Market” YouTube Channel

Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets

Check Out Mindy’s 2022 Live Spending Tracker and Budget




Click here to check the full show notes: https://www.biggerpockets.com/blog/money-345




Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Check out our sponsor page!]]></description>
	<itunes:subtitle><![CDATA[We know financial freedom is possible for those in their 20s and 30s, just starting their careers, without children and serious financial obligations. But what about those getting started on their journey in their 40s and 50s? What about the stories of t]]></itunes:subtitle>
	<content:encoded><![CDATA[We know financial freedom is possible for those in their 20s and 30s, just starting their careers, without children and serious financial obligations. But what about those getting started on their journey in their 40s and 50s? What about the stories of those who’ve had lifelong debt, went through a financially destructive divorce, or didn’t know early retirement was an option?

Monica Scudieri, author of Grab Your Slice of Financial Independence, wasn’t financially free until recently. For the past decade, she’s been working hard to pay off a quarter of a million dollars in debt, get her investments in line, and rebuild a life that was financially set back thanks to divorce. While she sounds like a veteran money expert, Monica wasn’t always this frugal. She remembers spending 90% of her paycheck as soon as she got paid, and her ex-husband did very much the same.

After her divorce, Monica was left with an astonishing amount of debt, very few assets, and close to no cash. She worked hard for the next decade digging herself out of debt, building up a cash-flowing rental property portfolio, and financially optimizing her life in every way she could. Now, she’s financially free, coaching others on how they can do the same!




In This Episode We Cover

Financial red flags to look out for when dating (and what to do if you spot them)

Budgeting, tracking your expenses, and the smarter way to ensure you’re not overspending 

Having the “money conversation” with your partner or spouse before it’s too late

Downsizing and ignoring lifestyle creep even if your partner can’t

Building a small rental property portfolio and the huge benefits of investing early

Side hustles and doing whatever you can to get out of consumer debt

Why the Honda Civic remains the FIRE movement’s vehicle of choice

And So Much More!




Links from the Show

BiggerPockets Money Facebook Group

BiggerPockets Forums

Finance Review Guest Onboarding

Mindy's Twitter

Listen to All Your Favorite BiggerPockets Podcasts in One Place

Apply to Be a Guest on The Money Show

Podcast Talent Search!

Subscribe to The “On The Market” YouTube Channel

Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets

Check Out Mindy’s 2022 Live Spending Tracker and Budget




Click here to check the full show notes: https://www.biggerpockets.com/blog/money-345




Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Check out our sponsor page!]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC7827299473.mp3" length="57284317" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[We know financial freedom is possible for those in their 20s and 30s, just starting their careers, without children and serious financial obligations. But what about those getting started on their journey in their 40s and 50s? What about the stories of those who’ve had lifelong debt, went through a financially destructive divorce, or didn’t know early retirement was an option?

Monica Scudieri, author of Grab Your Slice of Financial Independence, wasn’t financially free until recently. For the past decade, she’s been working hard to pay off a quarter of a million dollars in debt, get her investments in line, and rebuild a life that was financially set back thanks to divorce. While she sounds like a veteran money expert, Monica wasn’t always this frugal. She remembers spending 90% of her paycheck as soon as she got paid, and her ex-husband did very much the same.

After her divorce, Monica was left with an astonishing amount of debt, very few assets, and close to no cash. She worked hard for the next decade digging herself out of debt, building up a cash-flowing rental property portfolio, and financially optimizing her life in every way she could. Now, she’s financially free, coaching others on how they can do the same!




In This Episode We Cover

Financial red flags to look out for when dating (and what to do if you spot them)

Budgeting, tracking your expenses, and the smarter way to ensure you’re not overspending 

Having the “money conversation” with your partner or spouse before it’s too late

Downsizing and ignoring lifestyle creep even if your partner can’t

Building a small rental property portfolio and the huge benefits of investing early

Side hustles and doing whatever you can to get out of consumer debt

Why the Honda Civic remains the FIRE movement’s vehicle of choice

And So Much More!




Links from the Show

BiggerPockets Money Facebook Group

BiggerPockets Forums

Finance Review Guest Onboarding

Mindy's Twitter

Listen to All Your Favorite BiggerPockets Podcasts in One Place

Apply to Be a Guest on The Money Show

Podcast Talent Search!

Subscribe to The “On The Market” YouTube Channel

Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets

Check Out Mindy’s 2022 Live Spending Tracker and Budget




Click here to check the full show notes: https://www.biggerpockets.com/blog/money-345




Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Check out our sponsor page!]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
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	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[We know financial freedom is possible for those in their 20s and 30s, just starting their careers, without children and serious financial obligations. But what about those getting started on their journey in their 40s and 50s? What about the stories of those who’ve had lifelong debt, went through a financially destructive divorce, or didn’t know early retirement was an option?

Monica Scudieri, author of Grab Your Slice of Financial Independence, wasn’t financially free until recently. For the past decade, she’s been working hard to pay off a quarter of a million dollars in debt, get her investments in line, and rebuild a life that was financially set back thanks to divorce. While she sounds like a veteran money expert, Monica wasn’t always this frugal. She remembers spending 90% of her paycheck as soon as she got paid, and her ex-husband did very much the same.

After her divorce, Monica was left with an astonishing amount of debt, very few assets, and close to no cash. She worked ha]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>344: Rethink Social Security: Myths, Benefits, and Clearing Up Misconceptions</title>
	<link>https://biggerpocketsmoney.com/podcast/344-rethink-social-security-myths-benefits-and-clearing-up-misconceptions/</link>
	<pubDate>Fri, 14 Oct 2022 06:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">gid://art19-episode-locator/V0/N_Lm_4cbOPdZYQqCXszpU6d103gjEpksjWu1eKpRkFg</guid>
	<description><![CDATA[Everything you’ve been hearing about social security is a lie. For years, mainstream media and many financial figureheads have said that social security is on a fast track to bankruptcy, with no money left over for Americans when they grow old. But what if we told you that wasn’t true? What if you knew that social security would be there for you when you retire, even if you’ve just started working? Today’s guest, national social security advisor and expert Jeremy Keil, explains the basics of social security and teaches you how to maximize your benefits.

One of the biggest misconceptions about social security is that you have no control over it. The truth is, you control your social security more than the government does. How long you work, when you file, and how you educate yourself are all in your control. While these things may seem insignificant, they could all affect your social security by thousands. If you play your cards right, social security could be the biggest asset of your life.

Jeremy makes a strong argument that social security is the cheapest insurance you might get. In fact, it’s too good of a deal. The original purpose of social security was to help impoverished elderly Americans, so people with a lower income get more from social security. But, that doesn’t mean you’ll be stuck with pennies if you have a higher income. Social security is the “deal of a lifetime” since it lasts your lifetime, grows with inflation, and has no commissions. Can you think of a better investment than that?




In This Episode We Cover

Social security misconceptions and the truth about social security and whether or not it’s going bankrupt

The history of social security and its original purpose for Americans

How social security gets calculated and how the number of years you work can significantly affect your monthly social security payment

How and when to file social security to maximize your retirement savings

Survivors benefits, joint life expectancy, and how to file social security as a couple 

The break-even point and how to get “the eight percent guarantee” 

And So Much More!

Links from the Show

BiggerPockets Money Facebook Group

BiggerPockets Forums

Finance Review Guest Onboarding

Mindy's Twitter

Scott's Instagram

Listen to All Your Favorite BiggerPockets Podcasts in One Place

Apply to Be a Guest on The Money Show

Podcast Talent Search!

Subscribe to The “On The Market” YouTube Channel

Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets

Check Out Mindy’s 2022 Live Spending Tracker and Budget

Keil Financial Partners

Retirement Revealed Podcast




Click here to check the full show notes: https://www.biggerpockets.com/blog/money-344

 

Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Check out our sponsor page!]]></description>
	<itunes:subtitle><![CDATA[Everything you’ve been hearing about social security is a lie. For years, mainstream media and many financial figureheads have said that social security is on a fast track to bankruptcy, with no money left over for Americans when they grow old. But what ]]></itunes:subtitle>
	<content:encoded><![CDATA[Everything you’ve been hearing about social security is a lie. For years, mainstream media and many financial figureheads have said that social security is on a fast track to bankruptcy, with no money left over for Americans when they grow old. But what if we told you that wasn’t true? What if you knew that social security would be there for you when you retire, even if you’ve just started working? Today’s guest, national social security advisor and expert Jeremy Keil, explains the basics of social security and teaches you how to maximize your benefits.

One of the biggest misconceptions about social security is that you have no control over it. The truth is, you control your social security more than the government does. How long you work, when you file, and how you educate yourself are all in your control. While these things may seem insignificant, they could all affect your social security by thousands. If you play your cards right, social security could be the biggest asset of your life.

Jeremy makes a strong argument that social security is the cheapest insurance you might get. In fact, it’s too good of a deal. The original purpose of social security was to help impoverished elderly Americans, so people with a lower income get more from social security. But, that doesn’t mean you’ll be stuck with pennies if you have a higher income. Social security is the “deal of a lifetime” since it lasts your lifetime, grows with inflation, and has no commissions. Can you think of a better investment than that?




In This Episode We Cover

Social security misconceptions and the truth about social security and whether or not it’s going bankrupt

The history of social security and its original purpose for Americans

How social security gets calculated and how the number of years you work can significantly affect your monthly social security payment

How and when to file social security to maximize your retirement savings

Survivors benefits, joint life expectancy, and how to file social security as a couple 

The break-even point and how to get “the eight percent guarantee” 

And So Much More!

Links from the Show

BiggerPockets Money Facebook Group

BiggerPockets Forums

Finance Review Guest Onboarding

Mindy's Twitter

Scott's Instagram

Listen to All Your Favorite BiggerPockets Podcasts in One Place

Apply to Be a Guest on The Money Show

Podcast Talent Search!

Subscribe to The “On The Market” YouTube Channel

Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets

Check Out Mindy’s 2022 Live Spending Tracker and Budget

Keil Financial Partners

Retirement Revealed Podcast




Click here to check the full show notes: https://www.biggerpockets.com/blog/money-344

 

Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Check out our sponsor page!]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC7993467638.mp3" length="56762325" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[Everything you’ve been hearing about social security is a lie. For years, mainstream media and many financial figureheads have said that social security is on a fast track to bankruptcy, with no money left over for Americans when they grow old. But what if we told you that wasn’t true? What if you knew that social security would be there for you when you retire, even if you’ve just started working? Today’s guest, national social security advisor and expert Jeremy Keil, explains the basics of social security and teaches you how to maximize your benefits.

One of the biggest misconceptions about social security is that you have no control over it. The truth is, you control your social security more than the government does. How long you work, when you file, and how you educate yourself are all in your control. While these things may seem insignificant, they could all affect your social security by thousands. If you play your cards right, social security could be the biggest asset of your life.

Jeremy makes a strong argument that social security is the cheapest insurance you might get. In fact, it’s too good of a deal. The original purpose of social security was to help impoverished elderly Americans, so people with a lower income get more from social security. But, that doesn’t mean you’ll be stuck with pennies if you have a higher income. Social security is the “deal of a lifetime” since it lasts your lifetime, grows with inflation, and has no commissions. Can you think of a better investment than that?




In This Episode We Cover

Social security misconceptions and the truth about social security and whether or not it’s going bankrupt

The history of social security and its original purpose for Americans

How social security gets calculated and how the number of years you work can significantly affect your monthly social security payment

How and when to file social security to maximize your retirement savings

Survivors benefits, joint life expectancy, and how to file social security as a couple 

The break-even point and how to get “the eight percent guarantee” 

And So Much More!

Links from the Show

BiggerPockets Money Facebook Group

BiggerPockets Forums

Finance Review Guest Onboarding

Mindy's Twitter

Scott's Instagram

Listen to All Your Favorite BiggerPockets Podcasts in One Place

Apply to Be a Guest on The Money Show

Podcast Talent Search!

Subscribe to The “On The Market” YouTube Channel

Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets

Check Out Mindy’s 2022 Live Spending Tracker and Budget

Keil Financial Partners

Retirement Revealed Podcast




Click here to check the full show notes: https://www.biggerpockets.com/blog/money-344

 

Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Check out our sponsor page!]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[Everything you’ve been hearing about social security is a lie. For years, mainstream media and many financial figureheads have said that social security is on a fast track to bankruptcy, with no money left over for Americans when they grow old. But what if we told you that wasn’t true? What if you knew that social security would be there for you when you retire, even if you’ve just started working? Today’s guest, national social security advisor and expert Jeremy Keil, explains the basics of social security and teaches you how to maximize your benefits.

One of the biggest misconceptions about social security is that you have no control over it. The truth is, you control your social security more than the government does. How long you work, when you file, and how you educate yourself are all in your control. While these things may seem insignificant, they could all affect your social security by thousands. If you play your cards right, social security could be the biggest asset of you]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>343: Is Now the Time to Buy as The Housing Market Starts to Dip?</title>
	<link>https://biggerpocketsmoney.com/podcast/343-is-now-the-time-to-buy-as-the-housing-market-starts-to-dip/</link>
	<pubDate>Mon, 10 Oct 2022 06:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">gid://art19-episode-locator/V0/POUHA4xlm3x1dDj8rsf_3whI5Fvle0XzpW_DtpPW7-Y</guid>
	<description><![CDATA[The 2022 housing market doesn’t make a whole lot of sense. At the start of the year, competition was fierce, with bidding wars on every home and lines out the door just to view an open house. Now, in quarter three of this year, interest rates have hit decade-long highs, buyers are more in control, and days on market are starting to creep back up. As a homeowner, investor, or renter, you need to know what's on the horizon so you can build wealth while others run for the hills.

Joining us today are James Dainard, Jamil Damji, and Kathy Fettke, a gaggle of real estate veterans and the expert guests on BiggerPockets’ On the Market podcast. They’ve seen up markets, down markets, and confusing markets like today. As investors who touch almost all corners of the United States, with different areas of expertise, they bring the facts on what’s happening in today’s housing market.

We talk about interest rate updates, when the “inventory crisis” will end, why demand has taken a nosedive, and whether or not it’s still a good time to buy real estate. We also talk about the state of the economy, inflation, and how the Federal Reserve may be working to put us into another recession. This up-to-date episode will give you everything you need to make smart buying or selling decisions in today’s housing market.




In This Episode We Cover

Why interest rates are up and what it means for the housing market

Whether or not the Federal Reserve is trying to cause a real estate correction

When and where you can expect price drops and how long they’ll last

Is now still a good time to buy real estate (investments AND primary residences)

Adjustable-rate mortgages (ARMs) and why they’re worthwhile in times like today

The housing inventory crisis and how Millennial demand drove up prices

And So Much More!

Links from the Show

BiggerPockets Money Facebook Group

BiggerPockets Forums

Finance Review Guest Onboarding

Mindy's Twitter

Scott's Instagram

Listen to All Your Favorite BiggerPockets Podcasts in One Place

Apply to Be a Guest on The Money Show

Podcast Talent Search!

Subscribe to The “On The Market” YouTube Channel

Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets

Check Out Mindy’s 2022 Live Spending Tracker and Budget

On the Market Podcast

RealWealth Website

Jamil's Instagram

James Instagram




Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Check out our sponsor page!]]></description>
	<itunes:subtitle><![CDATA[The 2022 housing market doesn’t make a whole lot of sense. At the start of the year, competition was fierce, with bidding wars on every home and lines out the door just to view an open house. Now, in quarter three of this year, interest rates have hit de]]></itunes:subtitle>
	<content:encoded><![CDATA[The 2022 housing market doesn’t make a whole lot of sense. At the start of the year, competition was fierce, with bidding wars on every home and lines out the door just to view an open house. Now, in quarter three of this year, interest rates have hit decade-long highs, buyers are more in control, and days on market are starting to creep back up. As a homeowner, investor, or renter, you need to know what's on the horizon so you can build wealth while others run for the hills.

Joining us today are James Dainard, Jamil Damji, and Kathy Fettke, a gaggle of real estate veterans and the expert guests on BiggerPockets’ On the Market podcast. They’ve seen up markets, down markets, and confusing markets like today. As investors who touch almost all corners of the United States, with different areas of expertise, they bring the facts on what’s happening in today’s housing market.

We talk about interest rate updates, when the “inventory crisis” will end, why demand has taken a nosedive, and whether or not it’s still a good time to buy real estate. We also talk about the state of the economy, inflation, and how the Federal Reserve may be working to put us into another recession. This up-to-date episode will give you everything you need to make smart buying or selling decisions in today’s housing market.




In This Episode We Cover

Why interest rates are up and what it means for the housing market

Whether or not the Federal Reserve is trying to cause a real estate correction

When and where you can expect price drops and how long they’ll last

Is now still a good time to buy real estate (investments AND primary residences)

Adjustable-rate mortgages (ARMs) and why they’re worthwhile in times like today

The housing inventory crisis and how Millennial demand drove up prices

And So Much More!

Links from the Show

BiggerPockets Money Facebook Group

BiggerPockets Forums

Finance Review Guest Onboarding

Mindy's Twitter

Scott's Instagram

Listen to All Your Favorite BiggerPockets Podcasts in One Place

Apply to Be a Guest on The Money Show

Podcast Talent Search!

Subscribe to The “On The Market” YouTube Channel

Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets

Check Out Mindy’s 2022 Live Spending Tracker and Budget

On the Market Podcast

RealWealth Website

Jamil's Instagram

James Instagram




Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Check out our sponsor page!]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC3694926908.mp3" length="57649775" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[The 2022 housing market doesn’t make a whole lot of sense. At the start of the year, competition was fierce, with bidding wars on every home and lines out the door just to view an open house. Now, in quarter three of this year, interest rates have hit decade-long highs, buyers are more in control, and days on market are starting to creep back up. As a homeowner, investor, or renter, you need to know what's on the horizon so you can build wealth while others run for the hills.

Joining us today are James Dainard, Jamil Damji, and Kathy Fettke, a gaggle of real estate veterans and the expert guests on BiggerPockets’ On the Market podcast. They’ve seen up markets, down markets, and confusing markets like today. As investors who touch almost all corners of the United States, with different areas of expertise, they bring the facts on what’s happening in today’s housing market.

We talk about interest rate updates, when the “inventory crisis” will end, why demand has taken a nosedive, and whether or not it’s still a good time to buy real estate. We also talk about the state of the economy, inflation, and how the Federal Reserve may be working to put us into another recession. This up-to-date episode will give you everything you need to make smart buying or selling decisions in today’s housing market.




In This Episode We Cover

Why interest rates are up and what it means for the housing market

Whether or not the Federal Reserve is trying to cause a real estate correction

When and where you can expect price drops and how long they’ll last

Is now still a good time to buy real estate (investments AND primary residences)

Adjustable-rate mortgages (ARMs) and why they’re worthwhile in times like today

The housing inventory crisis and how Millennial demand drove up prices

And So Much More!

Links from the Show

BiggerPockets Money Facebook Group

BiggerPockets Forums

Finance Review Guest Onboarding

Mindy's Twitter

Scott's Instagram

Listen to All Your Favorite BiggerPockets Podcasts in One Place

Apply to Be a Guest on The Money Show

Podcast Talent Search!

Subscribe to The “On The Market” YouTube Channel

Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets

Check Out Mindy’s 2022 Live Spending Tracker and Budget

On the Market Podcast

RealWealth Website

Jamil's Instagram

James Instagram




Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Check out our sponsor page!]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[The 2022 housing market doesn’t make a whole lot of sense. At the start of the year, competition was fierce, with bidding wars on every home and lines out the door just to view an open house. Now, in quarter three of this year, interest rates have hit decade-long highs, buyers are more in control, and days on market are starting to creep back up. As a homeowner, investor, or renter, you need to know what's on the horizon so you can build wealth while others run for the hills.

Joining us today are James Dainard, Jamil Damji, and Kathy Fettke, a gaggle of real estate veterans and the expert guests on BiggerPockets’ On the Market podcast. They’ve seen up markets, down markets, and confusing markets like today. As investors who touch almost all corners of the United States, with different areas of expertise, they bring the facts on what’s happening in today’s housing market.

We talk about interest rate updates, when the “inventory crisis” will end, why demand has taken a nosedive, and w]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>342: Finance Friday: Financially Independent, But Not Feeling “Free”</title>
	<link>https://biggerpocketsmoney.com/podcast/342-finance-friday-financially-independent-but-not-feeling-free/</link>
	<pubDate>Fri, 07 Oct 2022 06:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">gid://art19-episode-locator/V0/Ks8kz2tP66-LSWKrk-rleoSA9UFwSRaslxjNnfUIA-U</guid>
	<description><![CDATA[Financial independence isn’t for everyone. That comes as a surprise for most of us within the personal finance community. Whether we like it or not, the “save, invest, and grind” until you can retire early lifestyle isn't a commonly accepted one. But what happens when your partner is the one who doesn’t agree? What steps can you take to help them see why early retirement is such a crucial piece of your life?

This is just one of the topics we touch on with today’s guest, Mark. Mark is in a great position, and he’s already financially free. But, he doesn’t know what to do next, how to optimize his portfolio, and whether or not he’s making the right moves. With a blend of stocks, bonds, and real estate, Mark has a million-dollar diverse portfolio, but where can he tighten it up? And, if he’s able to do so, how does he get his wife on board?

This episode serves as a reminder that even when all the hard work pays off, there is still a life to live. If you’ve spent years, or decades, grinding to finally reach a comfortable position in life, it’s necessary to know how to use that time once you have it. Do you keep stacking up investments so your children are ensured a comfortable life, or do you take some time for yourself, chase after your own dreams, and live a life you would love to live?

In This Episode We Cover

Why cutting down your expenses remains one of the fastest ways to hit financial independence 

Recalculating your rental property profits and making sure your cash flow is correct

Turnkey rentals and using them as a low-stress way to quickly build a profitable portfolio 

Selling off investments to pay for your lifestyle and the risk of doing so

Combining finances as a couple and how to propose the idea to a not-so-convinced spouse

Defining your goals and drafting your “vision” that’ll help you make the right steps to achieve ultimate freedom 

And So Much More!

Links from the Show

BiggerPockets Money Facebook Group

BiggerPockets Forums

Finance Review Guest Onboarding

Mindy's Twitter

Scott's Instagram

Listen to All Your Favorite BiggerPockets Podcasts in One Place

Apply to Be a Guest on The Money Show

Podcast Talent Search!

Subscribe to The “On The Market” YouTube Channel

Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets

Check Out Mindy’s 2022 Live Spending Tracker and Budget

BiggerPockets FIRE Planning Worksheet

The Money Date: What You Should (And Definitely Should Not) Do to Align Your Finances as a Couple




Click here to check the full show notes: https://www.biggerpockets.com/blog/money-342




Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Check out our sponsor page!

 ]]></description>
	<itunes:subtitle><![CDATA[Financial independence isn’t for everyone. That comes as a surprise for most of us within the personal finance community. Whether we like it or not, the “save, invest, and grind” until you can retire early lifestyle isnt a commonly accepted one. But what]]></itunes:subtitle>
	<content:encoded><![CDATA[Financial independence isn’t for everyone. That comes as a surprise for most of us within the personal finance community. Whether we like it or not, the “save, invest, and grind” until you can retire early lifestyle isn't a commonly accepted one. But what happens when your partner is the one who doesn’t agree? What steps can you take to help them see why early retirement is such a crucial piece of your life?

This is just one of the topics we touch on with today’s guest, Mark. Mark is in a great position, and he’s already financially free. But, he doesn’t know what to do next, how to optimize his portfolio, and whether or not he’s making the right moves. With a blend of stocks, bonds, and real estate, Mark has a million-dollar diverse portfolio, but where can he tighten it up? And, if he’s able to do so, how does he get his wife on board?

This episode serves as a reminder that even when all the hard work pays off, there is still a life to live. If you’ve spent years, or decades, grinding to finally reach a comfortable position in life, it’s necessary to know how to use that time once you have it. Do you keep stacking up investments so your children are ensured a comfortable life, or do you take some time for yourself, chase after your own dreams, and live a life you would love to live?

In This Episode We Cover

Why cutting down your expenses remains one of the fastest ways to hit financial independence 

Recalculating your rental property profits and making sure your cash flow is correct

Turnkey rentals and using them as a low-stress way to quickly build a profitable portfolio 

Selling off investments to pay for your lifestyle and the risk of doing so

Combining finances as a couple and how to propose the idea to a not-so-convinced spouse

Defining your goals and drafting your “vision” that’ll help you make the right steps to achieve ultimate freedom 

And So Much More!

Links from the Show

BiggerPockets Money Facebook Group

BiggerPockets Forums

Finance Review Guest Onboarding

Mindy's Twitter

Scott's Instagram

Listen to All Your Favorite BiggerPockets Podcasts in One Place

Apply to Be a Guest on The Money Show

Podcast Talent Search!

Subscribe to The “On The Market” YouTube Channel

Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets

Check Out Mindy’s 2022 Live Spending Tracker and Budget

BiggerPockets FIRE Planning Worksheet

The Money Date: What You Should (And Definitely Should Not) Do to Align Your Finances as a Couple




Click here to check the full show notes: https://www.biggerpockets.com/blog/money-342




Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Check out our sponsor page!

 ]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC7356391553.mp3" length="55496585" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[Financial independence isn’t for everyone. That comes as a surprise for most of us within the personal finance community. Whether we like it or not, the “save, invest, and grind” until you can retire early lifestyle isn't a commonly accepted one. But what happens when your partner is the one who doesn’t agree? What steps can you take to help them see why early retirement is such a crucial piece of your life?

This is just one of the topics we touch on with today’s guest, Mark. Mark is in a great position, and he’s already financially free. But, he doesn’t know what to do next, how to optimize his portfolio, and whether or not he’s making the right moves. With a blend of stocks, bonds, and real estate, Mark has a million-dollar diverse portfolio, but where can he tighten it up? And, if he’s able to do so, how does he get his wife on board?

This episode serves as a reminder that even when all the hard work pays off, there is still a life to live. If you’ve spent years, or decades, grinding to finally reach a comfortable position in life, it’s necessary to know how to use that time once you have it. Do you keep stacking up investments so your children are ensured a comfortable life, or do you take some time for yourself, chase after your own dreams, and live a life you would love to live?

In This Episode We Cover

Why cutting down your expenses remains one of the fastest ways to hit financial independence 

Recalculating your rental property profits and making sure your cash flow is correct

Turnkey rentals and using them as a low-stress way to quickly build a profitable portfolio 

Selling off investments to pay for your lifestyle and the risk of doing so

Combining finances as a couple and how to propose the idea to a not-so-convinced spouse

Defining your goals and drafting your “vision” that’ll help you make the right steps to achieve ultimate freedom 

And So Much More!

Links from the Show

BiggerPockets Money Facebook Group

BiggerPockets Forums

Finance Review Guest Onboarding

Mindy's Twitter

Scott's Instagram

Listen to All Your Favorite BiggerPockets Podcasts in One Place

Apply to Be a Guest on The Money Show

Podcast Talent Search!

Subscribe to The “On The Market” YouTube Channel

Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets

Check Out Mindy’s 2022 Live Spending Tracker and Budget

BiggerPockets FIRE Planning Worksheet

The Money Date: What You Should (And Definitely Should Not) Do to Align Your Finances as a Couple




Click here to check the full show notes: https://www.biggerpockets.com/blog/money-342




Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Check out our sponsor page!

 ]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[Financial independence isn’t for everyone. That comes as a surprise for most of us within the personal finance community. Whether we like it or not, the “save, invest, and grind” until you can retire early lifestyle isn't a commonly accepted one. But what happens when your partner is the one who doesn’t agree? What steps can you take to help them see why early retirement is such a crucial piece of your life?

This is just one of the topics we touch on with today’s guest, Mark. Mark is in a great position, and he’s already financially free. But, he doesn’t know what to do next, how to optimize his portfolio, and whether or not he’s making the right moves. With a blend of stocks, bonds, and real estate, Mark has a million-dollar diverse portfolio, but where can he tighten it up? And, if he’s able to do so, how does he get his wife on board?

This episode serves as a reminder that even when all the hard work pays off, there is still a life to live. If you’ve spent years, or decades, grin]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>341: Money with Katie’s Middle-Class Myths and The Great Roth vs. 401K Debate</title>
	<link>https://biggerpocketsmoney.com/podcast/341-money-with-katies-middle-class-myths-and-the-great-roth-vs-401k-debate/</link>
	<pubDate>Mon, 03 Oct 2022 06:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">gid://art19-episode-locator/V0/PaIz0VgM8-wi8suVdv9F5C1zZh24KoGSZLiydsu4qH0</guid>
	<description><![CDATA[Katie Gatti Tassin from Money with Katie had her “financial awakening” earlier than most. She saw the middle-class wealth trap of working, spending, and repeating for what it really was. This cash-gobbling cycle is one that many Americans fall into, but once you see the light, it’s hard not to almost automatically do better. And that’s what Katie did, trading twenty-dollar daily lunches and “hot girl expenses” for more saving, investing, and skyrocketing net worth.

Through a few short years of self-education, Katie was able to more than double her income, build profitable side businesses, and have a master-like grip on her finances. She’s become an expert in retirement investing, passive income, and saving simply through reading blog posts, listening to podcasts, and starting something of her own. This, coming from someone who just a few years ago had less than $500 to their name.

Katie walks through what spurred her “financial awakening” and how sharing the same thought process could activate your own. She also touches on financial myths that the middle class commonly falls into, the great Roth vs. 401(k)debate, and why lifestyle creep isn’t such a bad thing. She’s proof that you can turn your entire financial situation around in only a few short years, and if she could do it, why can’t you?




In This Episode We Cover

The “financial awakening” that’ll have you saving more and spending less

Financial “truths” that could destroy your wealth if you follow them

Self-education and the best personal finance podcasts and blogs and you should tune into

Retirement investing and whether it makes sense to invest pre-tax or post-tax

Starting side hustles and job hopping to more than double your salary

The bright side of lifestyle creep and using it as a reward for your hard work

And So Much More!




Links from the Show

BiggerPockets Money Facebook Group

BiggerPockets Forums

Finance Review Guest Onboarding

Mindy's Twitter

Scott's Instagram

Listen to All Your Favorite BiggerPockets Podcasts in One Place

Apply to Be a Guest on The Money Show

Podcast Talent Search!

Subscribe to The “On The Market” YouTube Channel

Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets

Check Out Mindy’s 2022 Live Spending Tracker and Budget

Finance Friday: I Want to Cash Out My 401k Early, Should

Mr. Money Mustache

The Shockingly Simple Math Behind Early Retirements

The Money With Katie Podcast




Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Check out our sponsor page!]]></description>
	<itunes:subtitle><![CDATA[Katie Gatti Tassin from Money with Katie had her “financial awakening” earlier than most. She saw the middle-class wealth trap of working, spending, and repeating for what it really was. This cash-gobbling cycle is one that many Americans fall into, but ]]></itunes:subtitle>
	<content:encoded><![CDATA[Katie Gatti Tassin from Money with Katie had her “financial awakening” earlier than most. She saw the middle-class wealth trap of working, spending, and repeating for what it really was. This cash-gobbling cycle is one that many Americans fall into, but once you see the light, it’s hard not to almost automatically do better. And that’s what Katie did, trading twenty-dollar daily lunches and “hot girl expenses” for more saving, investing, and skyrocketing net worth.

Through a few short years of self-education, Katie was able to more than double her income, build profitable side businesses, and have a master-like grip on her finances. She’s become an expert in retirement investing, passive income, and saving simply through reading blog posts, listening to podcasts, and starting something of her own. This, coming from someone who just a few years ago had less than $500 to their name.

Katie walks through what spurred her “financial awakening” and how sharing the same thought process could activate your own. She also touches on financial myths that the middle class commonly falls into, the great Roth vs. 401(k)debate, and why lifestyle creep isn’t such a bad thing. She’s proof that you can turn your entire financial situation around in only a few short years, and if she could do it, why can’t you?




In This Episode We Cover

The “financial awakening” that’ll have you saving more and spending less

Financial “truths” that could destroy your wealth if you follow them

Self-education and the best personal finance podcasts and blogs and you should tune into

Retirement investing and whether it makes sense to invest pre-tax or post-tax

Starting side hustles and job hopping to more than double your salary

The bright side of lifestyle creep and using it as a reward for your hard work

And So Much More!




Links from the Show

BiggerPockets Money Facebook Group

BiggerPockets Forums

Finance Review Guest Onboarding

Mindy's Twitter

Scott's Instagram

Listen to All Your Favorite BiggerPockets Podcasts in One Place

Apply to Be a Guest on The Money Show

Podcast Talent Search!

Subscribe to The “On The Market” YouTube Channel

Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets

Check Out Mindy’s 2022 Live Spending Tracker and Budget

Finance Friday: I Want to Cash Out My 401k Early, Should

Mr. Money Mustache

The Shockingly Simple Math Behind Early Retirements

The Money With Katie Podcast




Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Check out our sponsor page!]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC3241783664.mp3" length="62414198" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[Katie Gatti Tassin from Money with Katie had her “financial awakening” earlier than most. She saw the middle-class wealth trap of working, spending, and repeating for what it really was. This cash-gobbling cycle is one that many Americans fall into, but once you see the light, it’s hard not to almost automatically do better. And that’s what Katie did, trading twenty-dollar daily lunches and “hot girl expenses” for more saving, investing, and skyrocketing net worth.

Through a few short years of self-education, Katie was able to more than double her income, build profitable side businesses, and have a master-like grip on her finances. She’s become an expert in retirement investing, passive income, and saving simply through reading blog posts, listening to podcasts, and starting something of her own. This, coming from someone who just a few years ago had less than $500 to their name.

Katie walks through what spurred her “financial awakening” and how sharing the same thought process could activate your own. She also touches on financial myths that the middle class commonly falls into, the great Roth vs. 401(k)debate, and why lifestyle creep isn’t such a bad thing. She’s proof that you can turn your entire financial situation around in only a few short years, and if she could do it, why can’t you?




In This Episode We Cover

The “financial awakening” that’ll have you saving more and spending less

Financial “truths” that could destroy your wealth if you follow them

Self-education and the best personal finance podcasts and blogs and you should tune into

Retirement investing and whether it makes sense to invest pre-tax or post-tax

Starting side hustles and job hopping to more than double your salary

The bright side of lifestyle creep and using it as a reward for your hard work

And So Much More!




Links from the Show

BiggerPockets Money Facebook Group

BiggerPockets Forums

Finance Review Guest Onboarding

Mindy's Twitter

Scott's Instagram

Listen to All Your Favorite BiggerPockets Podcasts in One Place

Apply to Be a Guest on The Money Show

Podcast Talent Search!

Subscribe to The “On The Market” YouTube Channel

Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets

Check Out Mindy’s 2022 Live Spending Tracker and Budget

Finance Friday: I Want to Cash Out My 401k Early, Should

Mr. Money Mustache

The Shockingly Simple Math Behind Early Retirements

The Money With Katie Podcast




Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Check out our sponsor page!]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[Katie Gatti Tassin from Money with Katie had her “financial awakening” earlier than most. She saw the middle-class wealth trap of working, spending, and repeating for what it really was. This cash-gobbling cycle is one that many Americans fall into, but once you see the light, it’s hard not to almost automatically do better. And that’s what Katie did, trading twenty-dollar daily lunches and “hot girl expenses” for more saving, investing, and skyrocketing net worth.

Through a few short years of self-education, Katie was able to more than double her income, build profitable side businesses, and have a master-like grip on her finances. She’s become an expert in retirement investing, passive income, and saving simply through reading blog posts, listening to podcasts, and starting something of her own. This, coming from someone who just a few years ago had less than $500 to their name.

Katie walks through what spurred her “financial awakening” and how sharing the same thought process cou]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>340: Finance Friday: When Rental Property Investing Doesn’t Make Sense</title>
	<link>https://biggerpocketsmoney.com/podcast/340-finance-friday-when-rental-property-investing-doesnt-make-sense/</link>
	<pubDate>Fri, 30 Sep 2022 06:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">gid://art19-episode-locator/V0/zWVQebDH3LKAhzb3utDUx5ND1-8n1NbVxs1nHG_2yHU</guid>
	<description><![CDATA[Over the past two years, short-term rental investing has become a financial lifeline for those that are trying to make extra income. A small one or two-bedroom basement, garage apartment, or mother-in-law suite brings in enough cash flow for many to pay off a sizable amount of their mortgage. One such investor is Allen, who turned his low-interest rate primary residence into a lucrative short-term rental in the Portland, Maine area.

Allen is a vacation rental house hacker, leasing his garage apartment at a nightly rate for those visiting the area. Thanks to local laws, he’s unable to increase his nightly rates, but the silver lining means Allen has an almost fully-occupied, revenue-producing rental most of the time. He wants to build his short-term rental empire to even greater heights, but after looking at the math, Scott and Mindy aren’t so convinced that this is the right move.

With six figures in student debt and a moderate credit score weighing him down, Allen may be in a better position to do something else with his money. Scott and Mindy go through the numbers, calculations, and everything else you’d need to see whether or not another real estate investment is the right move for you. Even if you’re someone with a high income like Allen, you may be surprised by what Scott and Mindy propose.




In This Episode We Cover

When is the right time to buy real estate and how high-interest rates hurt your chances of getting a good deal

Limiting your monthly spending and taking advantage of earning a high income

Short-term rental house hacking and using it to cover most of your living expenses

Stocks vs. real estate investing and when it’s the right time to choose one over the other

Aggressive debt payoff and how to know whether an interest rate is too high

Credit score tips and the factors that make yours go up and down

And So Much More!




Links from the Show

BiggerPockets Money Facebook Group

BiggerPockets Forums

Finance Review Guest Onboarding

Mindy's Twitter

Scott's Instagram

Listen to All Your Favorite BiggerPockets Podcasts in One Place

Apply to Be a Guest on The Money Show

Podcast Talent Search!

Subscribe to The “On The Market” YouTube Channel

Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets

Check Out Mindy’s 2022 Live Spending Tracker and Budget

Airbnb

Finance Friday: Self-Employed Income and Short-Term Rental Investing

Are FIRE Naysayers Bad at Math? Yes. with Michael Kitces




Click here to check the full show notes: https://www.biggerpockets.com/blog/money-340

Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Check out our sponsor page!]]></description>
	<itunes:subtitle><![CDATA[Over the past two years, short-term rental investing has become a financial lifeline for those that are trying to make extra income. A small one or two-bedroom basement, garage apartment, or mother-in-law suite brings in enough cash flow for many to pay ]]></itunes:subtitle>
	<content:encoded><![CDATA[Over the past two years, short-term rental investing has become a financial lifeline for those that are trying to make extra income. A small one or two-bedroom basement, garage apartment, or mother-in-law suite brings in enough cash flow for many to pay off a sizable amount of their mortgage. One such investor is Allen, who turned his low-interest rate primary residence into a lucrative short-term rental in the Portland, Maine area.

Allen is a vacation rental house hacker, leasing his garage apartment at a nightly rate for those visiting the area. Thanks to local laws, he’s unable to increase his nightly rates, but the silver lining means Allen has an almost fully-occupied, revenue-producing rental most of the time. He wants to build his short-term rental empire to even greater heights, but after looking at the math, Scott and Mindy aren’t so convinced that this is the right move.

With six figures in student debt and a moderate credit score weighing him down, Allen may be in a better position to do something else with his money. Scott and Mindy go through the numbers, calculations, and everything else you’d need to see whether or not another real estate investment is the right move for you. Even if you’re someone with a high income like Allen, you may be surprised by what Scott and Mindy propose.




In This Episode We Cover

When is the right time to buy real estate and how high-interest rates hurt your chances of getting a good deal

Limiting your monthly spending and taking advantage of earning a high income

Short-term rental house hacking and using it to cover most of your living expenses

Stocks vs. real estate investing and when it’s the right time to choose one over the other

Aggressive debt payoff and how to know whether an interest rate is too high

Credit score tips and the factors that make yours go up and down

And So Much More!




Links from the Show

BiggerPockets Money Facebook Group

BiggerPockets Forums

Finance Review Guest Onboarding

Mindy's Twitter

Scott's Instagram

Listen to All Your Favorite BiggerPockets Podcasts in One Place

Apply to Be a Guest on The Money Show

Podcast Talent Search!

Subscribe to The “On The Market” YouTube Channel

Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets

Check Out Mindy’s 2022 Live Spending Tracker and Budget

Airbnb

Finance Friday: Self-Employed Income and Short-Term Rental Investing

Are FIRE Naysayers Bad at Math? Yes. with Michael Kitces




Click here to check the full show notes: https://www.biggerpockets.com/blog/money-340

Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Check out our sponsor page!]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC4004923072.mp3" length="75103333" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[Over the past two years, short-term rental investing has become a financial lifeline for those that are trying to make extra income. A small one or two-bedroom basement, garage apartment, or mother-in-law suite brings in enough cash flow for many to pay off a sizable amount of their mortgage. One such investor is Allen, who turned his low-interest rate primary residence into a lucrative short-term rental in the Portland, Maine area.

Allen is a vacation rental house hacker, leasing his garage apartment at a nightly rate for those visiting the area. Thanks to local laws, he’s unable to increase his nightly rates, but the silver lining means Allen has an almost fully-occupied, revenue-producing rental most of the time. He wants to build his short-term rental empire to even greater heights, but after looking at the math, Scott and Mindy aren’t so convinced that this is the right move.

With six figures in student debt and a moderate credit score weighing him down, Allen may be in a better position to do something else with his money. Scott and Mindy go through the numbers, calculations, and everything else you’d need to see whether or not another real estate investment is the right move for you. Even if you’re someone with a high income like Allen, you may be surprised by what Scott and Mindy propose.




In This Episode We Cover

When is the right time to buy real estate and how high-interest rates hurt your chances of getting a good deal

Limiting your monthly spending and taking advantage of earning a high income

Short-term rental house hacking and using it to cover most of your living expenses

Stocks vs. real estate investing and when it’s the right time to choose one over the other

Aggressive debt payoff and how to know whether an interest rate is too high

Credit score tips and the factors that make yours go up and down

And So Much More!




Links from the Show

BiggerPockets Money Facebook Group

BiggerPockets Forums

Finance Review Guest Onboarding

Mindy's Twitter

Scott's Instagram

Listen to All Your Favorite BiggerPockets Podcasts in One Place

Apply to Be a Guest on The Money Show

Podcast Talent Search!

Subscribe to The “On The Market” YouTube Channel

Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets

Check Out Mindy’s 2022 Live Spending Tracker and Budget

Airbnb

Finance Friday: Self-Employed Income and Short-Term Rental Investing

Are FIRE Naysayers Bad at Math? Yes. with Michael Kitces




Click here to check the full show notes: https://www.biggerpockets.com/blog/money-340

Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Check out our sponsor page!]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[Over the past two years, short-term rental investing has become a financial lifeline for those that are trying to make extra income. A small one or two-bedroom basement, garage apartment, or mother-in-law suite brings in enough cash flow for many to pay off a sizable amount of their mortgage. One such investor is Allen, who turned his low-interest rate primary residence into a lucrative short-term rental in the Portland, Maine area.

Allen is a vacation rental house hacker, leasing his garage apartment at a nightly rate for those visiting the area. Thanks to local laws, he’s unable to increase his nightly rates, but the silver lining means Allen has an almost fully-occupied, revenue-producing rental most of the time. He wants to build his short-term rental empire to even greater heights, but after looking at the math, Scott and Mindy aren’t so convinced that this is the right move.

With six figures in student debt and a moderate credit score weighing him down, Allen may be in a bette]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>339: From Sociology Major to Seven-Figure Agent Commissions</title>
	<link>https://biggerpocketsmoney.com/podcast/339-from-sociology-major-to-seven-figure-agent-commissions/</link>
	<pubDate>Mon, 26 Sep 2022 06:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">gid://art19-episode-locator/V0/ZiISZq4zgAwy8Ay-p2VZNbL--YS6uYmcUt9unTM0LdM</guid>
	<description><![CDATA[Everyone knows that real estate agent commissions are hefty. Those who have sold a house in the past few years may look at their settlement agreement and wonder where those tens of thousands of dollars really went. It’s not hard for a new agent in today’s world to lock in six-figures worth of real estate commissions within their first few years. But, not many agents, even uber-experienced ones, have been able to hit what Pat Hiban has.

Pat was one of the first “billion-dollar” real estate agents. Unfortunately, the “billion dollars” doesn’t refer to commission checks, but it does refer to real estate sales as a whole. This is doubly impressive when you factor in the decades when this was achieved. Pat sold homes in the 80s, 90s, and 2000s when home prices were far less than they are today. So, you could consider Pat an inflation-adjusted “trillion dollar” real estate agent!

But how did Pat, a sociology major without any connection to real estate, reach such heights within a few short years? And, a more important question to ask, why did Pat give it all up at the peak of his career? What was worth more to him than making seven figures and bringing home huge commissions every month? He gives hints as to why he left it all in this episode. And, as one of the newest BiggerPockets authors, you can pick up his books 6 Steps to 7 Figures and The Quitter’s Manifesto today!




In This Episode We Cover

Everything you ever wanted to know about real estate agent commissions and broker splits

Why so many new real estate agents fail during their first few years

Leveraging out your work, hiring employees, and scaling a business instead of building a job

Real estate investing basics and the downsides of taking too much depreciation

Quitting a lucrative career and the financial moves to make that ensure a successful transition

The six steps to reaching seven figures for real estate agents (and any other entrepreneur!)

And So Much More!




Links from the Show

BiggerPockets Money Facebook Group

BiggerPockets Forums

Finance Review Guest Onboarding

Mindy's Twitter

Scott's Instagram

Listen to All Your Favorite BiggerPockets Podcasts in One Place

Apply to Be a Guest on The Money Show

Podcast Talent Search!

Subscribe to The “On The Market” YouTube Channel

Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets

Check Out Mindy’s 2022 Live Spending Tracker and Budget




Click here to check the full show notes: https://www.biggerpockets.com/blog/money-339




Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Check out our sponsor page!]]></description>
	<itunes:subtitle><![CDATA[Everyone knows that real estate agent commissions are hefty. Those who have sold a house in the past few years may look at their settlement agreement and wonder where those tens of thousands of dollars really went. It’s not hard for a new agent in today’]]></itunes:subtitle>
	<content:encoded><![CDATA[Everyone knows that real estate agent commissions are hefty. Those who have sold a house in the past few years may look at their settlement agreement and wonder where those tens of thousands of dollars really went. It’s not hard for a new agent in today’s world to lock in six-figures worth of real estate commissions within their first few years. But, not many agents, even uber-experienced ones, have been able to hit what Pat Hiban has.

Pat was one of the first “billion-dollar” real estate agents. Unfortunately, the “billion dollars” doesn’t refer to commission checks, but it does refer to real estate sales as a whole. This is doubly impressive when you factor in the decades when this was achieved. Pat sold homes in the 80s, 90s, and 2000s when home prices were far less than they are today. So, you could consider Pat an inflation-adjusted “trillion dollar” real estate agent!

But how did Pat, a sociology major without any connection to real estate, reach such heights within a few short years? And, a more important question to ask, why did Pat give it all up at the peak of his career? What was worth more to him than making seven figures and bringing home huge commissions every month? He gives hints as to why he left it all in this episode. And, as one of the newest BiggerPockets authors, you can pick up his books 6 Steps to 7 Figures and The Quitter’s Manifesto today!




In This Episode We Cover

Everything you ever wanted to know about real estate agent commissions and broker splits

Why so many new real estate agents fail during their first few years

Leveraging out your work, hiring employees, and scaling a business instead of building a job

Real estate investing basics and the downsides of taking too much depreciation

Quitting a lucrative career and the financial moves to make that ensure a successful transition

The six steps to reaching seven figures for real estate agents (and any other entrepreneur!)

And So Much More!




Links from the Show

BiggerPockets Money Facebook Group

BiggerPockets Forums

Finance Review Guest Onboarding

Mindy's Twitter

Scott's Instagram

Listen to All Your Favorite BiggerPockets Podcasts in One Place

Apply to Be a Guest on The Money Show

Podcast Talent Search!

Subscribe to The “On The Market” YouTube Channel

Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets

Check Out Mindy’s 2022 Live Spending Tracker and Budget




Click here to check the full show notes: https://www.biggerpockets.com/blog/money-339




Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Check out our sponsor page!]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC2730770980.mp3" length="80590380" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[Everyone knows that real estate agent commissions are hefty. Those who have sold a house in the past few years may look at their settlement agreement and wonder where those tens of thousands of dollars really went. It’s not hard for a new agent in today’s world to lock in six-figures worth of real estate commissions within their first few years. But, not many agents, even uber-experienced ones, have been able to hit what Pat Hiban has.

Pat was one of the first “billion-dollar” real estate agents. Unfortunately, the “billion dollars” doesn’t refer to commission checks, but it does refer to real estate sales as a whole. This is doubly impressive when you factor in the decades when this was achieved. Pat sold homes in the 80s, 90s, and 2000s when home prices were far less than they are today. So, you could consider Pat an inflation-adjusted “trillion dollar” real estate agent!

But how did Pat, a sociology major without any connection to real estate, reach such heights within a few short years? And, a more important question to ask, why did Pat give it all up at the peak of his career? What was worth more to him than making seven figures and bringing home huge commissions every month? He gives hints as to why he left it all in this episode. And, as one of the newest BiggerPockets authors, you can pick up his books 6 Steps to 7 Figures and The Quitter’s Manifesto today!




In This Episode We Cover

Everything you ever wanted to know about real estate agent commissions and broker splits

Why so many new real estate agents fail during their first few years

Leveraging out your work, hiring employees, and scaling a business instead of building a job

Real estate investing basics and the downsides of taking too much depreciation

Quitting a lucrative career and the financial moves to make that ensure a successful transition

The six steps to reaching seven figures for real estate agents (and any other entrepreneur!)

And So Much More!




Links from the Show

BiggerPockets Money Facebook Group

BiggerPockets Forums

Finance Review Guest Onboarding

Mindy's Twitter

Scott's Instagram

Listen to All Your Favorite BiggerPockets Podcasts in One Place

Apply to Be a Guest on The Money Show

Podcast Talent Search!

Subscribe to The “On The Market” YouTube Channel

Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets

Check Out Mindy’s 2022 Live Spending Tracker and Budget




Click here to check the full show notes: https://www.biggerpockets.com/blog/money-339




Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Check out our sponsor page!]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[Everyone knows that real estate agent commissions are hefty. Those who have sold a house in the past few years may look at their settlement agreement and wonder where those tens of thousands of dollars really went. It’s not hard for a new agent in today’s world to lock in six-figures worth of real estate commissions within their first few years. But, not many agents, even uber-experienced ones, have been able to hit what Pat Hiban has.

Pat was one of the first “billion-dollar” real estate agents. Unfortunately, the “billion dollars” doesn’t refer to commission checks, but it does refer to real estate sales as a whole. This is doubly impressive when you factor in the decades when this was achieved. Pat sold homes in the 80s, 90s, and 2000s when home prices were far less than they are today. So, you could consider Pat an inflation-adjusted “trillion dollar” real estate agent!

But how did Pat, a sociology major without any connection to real estate, reach such heights within a few shor]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>338: Finance Friday: How to Become Debt-Free 20 Years Faster Than You Thought</title>
	<link>https://biggerpocketsmoney.com/podcast/338-finance-friday-how-to-become-debt-free-20-years-faster-than-you-thought/</link>
	<pubDate>Fri, 23 Sep 2022 06:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">gid://art19-episode-locator/V0/RgA0dR7efcNqC5GcnObKNs-P9OnBjfDWY9wMWAlpViU</guid>
	<description><![CDATA[Student loan debt—the gift that keeps on giving with interest, stress, and the overwhelming feeling that you won’t be able to pay them off. The larger the loan, the heavier the weight on your shoulders, but in today’s episode, we go over how to start lightening your load. Focusing solely on your debt makes it seem like there's no way out, but financial freedom is always achievable. 

Today’s guests, James and Bianca, have $278,000 of student debt between them. This debt has followed them for a while, and their original payoff plan would last for another twenty-four years. Despite their debt, James and Bianca have a strong financial portfolio with ten cash-flowing rental units. They make over $17,000 a month with only $7,300 in expenses. Even with a strong financial foundation, these student loans have loomed over them and kept them from true financial freedom. 

Scott and Mindy introduce James and Bianca to ways they could pay off their debt in the next few years and completely shift their mindset on defeating six-figure debt. Instead of having a burden on their backs for another twenty-four years, they could get their time back and be debt-free sooner. After listening to this episode, there’s a good chance you could too!




In This Episode We Cover

Living on less than half of your income and how to maximize your unused funds

Income-based repayment plans and determining the best loan payoff plan for you

Reallocating your portfolio and finding creative ways to pay off your debt 

Time management and how to know when you should outsource or delegate tasks

Preparing for a career shift and how to create a solid financial foundation

Getting into a debt-free mindset and finding financial independence even faster

And So Much More!




Links from the Show

BiggerPockets Money Facebook Group

BiggerPockets Forums

Finance Review Guest Onboarding

Mindy's Twitter

Scott's Instagram

Listen to All Your Favorite BiggerPockets Podcasts in One Place

Apply to Be a Guest on The Money Show

Podcast Talent Search!

Subscribe to The “On The Market” YouTube Channel

Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets

Check Out Mindy’s 2022 Live Spending Tracker and Budget

BiggerPockets FIRE Planning Worksheet

Student Loans Update: Repayment, Refinancing, and Potential Forgiveness w/ Robert Farrington

Finance Friday: Using Student Loan Forgiveness to Catapult FI w/ Sammie

Paying Off Student Loan Debt with a Median Income and Two Kids in Northern California with Kyle Renke




Click here to check the full show notes: https://www.biggerpockets.com/blog/money-338




Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Check out our sponsor page!]]></description>
	<itunes:subtitle><![CDATA[Student loan debt—the gift that keeps on giving with interest, stress, and the overwhelming feeling that you won’t be able to pay them off. The larger the loan, the heavier the weight on your shoulders, but in today’s episode, we go over how to start lig]]></itunes:subtitle>
	<content:encoded><![CDATA[Student loan debt—the gift that keeps on giving with interest, stress, and the overwhelming feeling that you won’t be able to pay them off. The larger the loan, the heavier the weight on your shoulders, but in today’s episode, we go over how to start lightening your load. Focusing solely on your debt makes it seem like there's no way out, but financial freedom is always achievable. 

Today’s guests, James and Bianca, have $278,000 of student debt between them. This debt has followed them for a while, and their original payoff plan would last for another twenty-four years. Despite their debt, James and Bianca have a strong financial portfolio with ten cash-flowing rental units. They make over $17,000 a month with only $7,300 in expenses. Even with a strong financial foundation, these student loans have loomed over them and kept them from true financial freedom. 

Scott and Mindy introduce James and Bianca to ways they could pay off their debt in the next few years and completely shift their mindset on defeating six-figure debt. Instead of having a burden on their backs for another twenty-four years, they could get their time back and be debt-free sooner. After listening to this episode, there’s a good chance you could too!




In This Episode We Cover

Living on less than half of your income and how to maximize your unused funds

Income-based repayment plans and determining the best loan payoff plan for you

Reallocating your portfolio and finding creative ways to pay off your debt 

Time management and how to know when you should outsource or delegate tasks

Preparing for a career shift and how to create a solid financial foundation

Getting into a debt-free mindset and finding financial independence even faster

And So Much More!




Links from the Show

BiggerPockets Money Facebook Group

BiggerPockets Forums

Finance Review Guest Onboarding

Mindy's Twitter

Scott's Instagram

Listen to All Your Favorite BiggerPockets Podcasts in One Place

Apply to Be a Guest on The Money Show

Podcast Talent Search!

Subscribe to The “On The Market” YouTube Channel

Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets

Check Out Mindy’s 2022 Live Spending Tracker and Budget

BiggerPockets FIRE Planning Worksheet

Student Loans Update: Repayment, Refinancing, and Potential Forgiveness w/ Robert Farrington

Finance Friday: Using Student Loan Forgiveness to Catapult FI w/ Sammie

Paying Off Student Loan Debt with a Median Income and Two Kids in Northern California with Kyle Renke




Click here to check the full show notes: https://www.biggerpockets.com/blog/money-338




Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Check out our sponsor page!]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC6275079356.mp3" length="62799200" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[Student loan debt—the gift that keeps on giving with interest, stress, and the overwhelming feeling that you won’t be able to pay them off. The larger the loan, the heavier the weight on your shoulders, but in today’s episode, we go over how to start lightening your load. Focusing solely on your debt makes it seem like there's no way out, but financial freedom is always achievable. 

Today’s guests, James and Bianca, have $278,000 of student debt between them. This debt has followed them for a while, and their original payoff plan would last for another twenty-four years. Despite their debt, James and Bianca have a strong financial portfolio with ten cash-flowing rental units. They make over $17,000 a month with only $7,300 in expenses. Even with a strong financial foundation, these student loans have loomed over them and kept them from true financial freedom. 

Scott and Mindy introduce James and Bianca to ways they could pay off their debt in the next few years and completely shift their mindset on defeating six-figure debt. Instead of having a burden on their backs for another twenty-four years, they could get their time back and be debt-free sooner. After listening to this episode, there’s a good chance you could too!




In This Episode We Cover

Living on less than half of your income and how to maximize your unused funds

Income-based repayment plans and determining the best loan payoff plan for you

Reallocating your portfolio and finding creative ways to pay off your debt 

Time management and how to know when you should outsource or delegate tasks

Preparing for a career shift and how to create a solid financial foundation

Getting into a debt-free mindset and finding financial independence even faster

And So Much More!




Links from the Show

BiggerPockets Money Facebook Group

BiggerPockets Forums

Finance Review Guest Onboarding

Mindy's Twitter

Scott's Instagram

Listen to All Your Favorite BiggerPockets Podcasts in One Place

Apply to Be a Guest on The Money Show

Podcast Talent Search!

Subscribe to The “On The Market” YouTube Channel

Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets

Check Out Mindy’s 2022 Live Spending Tracker and Budget

BiggerPockets FIRE Planning Worksheet

Student Loans Update: Repayment, Refinancing, and Potential Forgiveness w/ Robert Farrington

Finance Friday: Using Student Loan Forgiveness to Catapult FI w/ Sammie

Paying Off Student Loan Debt with a Median Income and Two Kids in Northern California with Kyle Renke




Click here to check the full show notes: https://www.biggerpockets.com/blog/money-338




Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Check out our sponsor page!]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[Student loan debt—the gift that keeps on giving with interest, stress, and the overwhelming feeling that you won’t be able to pay them off. The larger the loan, the heavier the weight on your shoulders, but in today’s episode, we go over how to start lightening your load. Focusing solely on your debt makes it seem like there's no way out, but financial freedom is always achievable. 

Today’s guests, James and Bianca, have $278,000 of student debt between them. This debt has followed them for a while, and their original payoff plan would last for another twenty-four years. Despite their debt, James and Bianca have a strong financial portfolio with ten cash-flowing rental units. They make over $17,000 a month with only $7,300 in expenses. Even with a strong financial foundation, these student loans have loomed over them and kept them from true financial freedom. 

Scott and Mindy introduce James and Bianca to ways they could pay off their debt in the next few years and completely shift ]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>337: College is NOT for EVERYONE: Joining the Military &#038; Become Financially Free</title>
	<link>https://biggerpocketsmoney.com/podcast/337-college-is-not-for-everyone-joining-the-military-become-financially-free/</link>
	<pubDate>Mon, 19 Sep 2022 06:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">gid://art19-episode-locator/V0/xiQ4b1wiaF2M-CB6x53CxnGoiCi7xol1Xi7sbf1-V7I</guid>
	<description><![CDATA[College isn’t the only option after high school. In fact, it’s not even the best option. Typically, twenty-two-year-olds fresh out of college are launched into the workforce with a lot of debt and little life experience. So how do you enter the workforce debt-free with life experience? Join the military.

Today’s guest, David Pere, is a financially free veteran with 100 rental units, all thanks to his time in the military. He enlisted fresh out of high school in 2008. While he did the usual “stupid young guy stuff” for a few years, once he read Rich Dad Poor Dad in 2015, he decided to get serious about financial freedom. After thirteen years of active duty, in 2021 he was honorably discharged with a net worth of a million dollars.

The military offers various benefits, from the ability to learn trades to getting life experience to its financial advantages. As a service member, you are in an ideal position to become financially free. Your housing and food get paid for, and you have access to government-backed savings plans and loans. You also get tuition assistance for yourself and your family. With all the support and benefits the military provides, you can start building the life you always dreamed of straight out of high school.

 

In This Episode We Cover

Why the military may be the best option straight out of high school

The various opportunities to start a career through the military

The GI Bill vs. tuition assistance and how to make sure you qualify

The tangible and intangible skills you learn in the military and how they translate into the workforce

The VA Loan, qualifications, and how to get rich with it via house hacks

The TSP and the SDP and how to use them to grow your wealth faster

And So Much More!




Links from the Show

BiggerPockets Money Facebook Group

BiggerPockets Forums

Finance Review Guest Onboarding

Mindy's Twitter

David on BiggerPockets

David’s Site From Military to Millionaire

Listen to All Your Favorite BiggerPockets Podcasts in One Place

Apply to Be a Guest on The Money Show

Podcast Talent Search!

Subscribe to The “On The Market” YouTube Channel

Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets

Check Out Mindy’s 2022 Live Spending Tracker and Budget

The (Almost) Guaranteed Way to 31x Your Investments

DIY Your Way to FI with Tinian Crawford




Click here to check the full show notes: https://www.biggerpockets.com/blog/money-337




Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Check out our sponsor page!]]></description>
	<itunes:subtitle><![CDATA[College isn’t the only option after high school. In fact, it’s not even the best option. Typically, twenty-two-year-olds fresh out of college are launched into the workforce with a lot of debt and little life experience. So how do you enter the workforce]]></itunes:subtitle>
	<content:encoded><![CDATA[College isn’t the only option after high school. In fact, it’s not even the best option. Typically, twenty-two-year-olds fresh out of college are launched into the workforce with a lot of debt and little life experience. So how do you enter the workforce debt-free with life experience? Join the military.

Today’s guest, David Pere, is a financially free veteran with 100 rental units, all thanks to his time in the military. He enlisted fresh out of high school in 2008. While he did the usual “stupid young guy stuff” for a few years, once he read Rich Dad Poor Dad in 2015, he decided to get serious about financial freedom. After thirteen years of active duty, in 2021 he was honorably discharged with a net worth of a million dollars.

The military offers various benefits, from the ability to learn trades to getting life experience to its financial advantages. As a service member, you are in an ideal position to become financially free. Your housing and food get paid for, and you have access to government-backed savings plans and loans. You also get tuition assistance for yourself and your family. With all the support and benefits the military provides, you can start building the life you always dreamed of straight out of high school.

 

In This Episode We Cover

Why the military may be the best option straight out of high school

The various opportunities to start a career through the military

The GI Bill vs. tuition assistance and how to make sure you qualify

The tangible and intangible skills you learn in the military and how they translate into the workforce

The VA Loan, qualifications, and how to get rich with it via house hacks

The TSP and the SDP and how to use them to grow your wealth faster

And So Much More!




Links from the Show

BiggerPockets Money Facebook Group

BiggerPockets Forums

Finance Review Guest Onboarding

Mindy's Twitter

David on BiggerPockets

David’s Site From Military to Millionaire

Listen to All Your Favorite BiggerPockets Podcasts in One Place

Apply to Be a Guest on The Money Show

Podcast Talent Search!

Subscribe to The “On The Market” YouTube Channel

Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets

Check Out Mindy’s 2022 Live Spending Tracker and Budget

The (Almost) Guaranteed Way to 31x Your Investments

DIY Your Way to FI with Tinian Crawford




Click here to check the full show notes: https://www.biggerpockets.com/blog/money-337




Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Check out our sponsor page!]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC3709734690.mp3" length="58059706" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[College isn’t the only option after high school. In fact, it’s not even the best option. Typically, twenty-two-year-olds fresh out of college are launched into the workforce with a lot of debt and little life experience. So how do you enter the workforce debt-free with life experience? Join the military.

Today’s guest, David Pere, is a financially free veteran with 100 rental units, all thanks to his time in the military. He enlisted fresh out of high school in 2008. While he did the usual “stupid young guy stuff” for a few years, once he read Rich Dad Poor Dad in 2015, he decided to get serious about financial freedom. After thirteen years of active duty, in 2021 he was honorably discharged with a net worth of a million dollars.

The military offers various benefits, from the ability to learn trades to getting life experience to its financial advantages. As a service member, you are in an ideal position to become financially free. Your housing and food get paid for, and you have access to government-backed savings plans and loans. You also get tuition assistance for yourself and your family. With all the support and benefits the military provides, you can start building the life you always dreamed of straight out of high school.

 

In This Episode We Cover

Why the military may be the best option straight out of high school

The various opportunities to start a career through the military

The GI Bill vs. tuition assistance and how to make sure you qualify

The tangible and intangible skills you learn in the military and how they translate into the workforce

The VA Loan, qualifications, and how to get rich with it via house hacks

The TSP and the SDP and how to use them to grow your wealth faster

And So Much More!




Links from the Show

BiggerPockets Money Facebook Group

BiggerPockets Forums

Finance Review Guest Onboarding

Mindy's Twitter

David on BiggerPockets

David’s Site From Military to Millionaire

Listen to All Your Favorite BiggerPockets Podcasts in One Place

Apply to Be a Guest on The Money Show

Podcast Talent Search!

Subscribe to The “On The Market” YouTube Channel

Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets

Check Out Mindy’s 2022 Live Spending Tracker and Budget

The (Almost) Guaranteed Way to 31x Your Investments

DIY Your Way to FI with Tinian Crawford




Click here to check the full show notes: https://www.biggerpockets.com/blog/money-337




Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Check out our sponsor page!]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
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	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[College isn’t the only option after high school. In fact, it’s not even the best option. Typically, twenty-two-year-olds fresh out of college are launched into the workforce with a lot of debt and little life experience. So how do you enter the workforce debt-free with life experience? Join the military.

Today’s guest, David Pere, is a financially free veteran with 100 rental units, all thanks to his time in the military. He enlisted fresh out of high school in 2008. While he did the usual “stupid young guy stuff” for a few years, once he read Rich Dad Poor Dad in 2015, he decided to get serious about financial freedom. After thirteen years of active duty, in 2021 he was honorably discharged with a net worth of a million dollars.

The military offers various benefits, from the ability to learn trades to getting life experience to its financial advantages. As a service member, you are in an ideal position to become financially free. Your housing and food get paid for, and you have acc]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>336: Finance Friday: Six-Figure Passive Income in Just 4 Years!</title>
	<link>https://biggerpocketsmoney.com/podcast/336-finance-friday-six-figure-passive-income-in-just-4-years/</link>
	<pubDate>Fri, 16 Sep 2022 06:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">gid://art19-episode-locator/V0/1L7kaQx_xBJ0y6E8wxdZMLEL7YN9DFdU2y5vlFjPxN4</guid>
	<description><![CDATA[Becoming a millionaire by 30 is almost every 20-or-something-year-old’s dream. But what if you want to go even further? Instead of seven-figure net worth, what about an eight-figure net worth? Would this be enough to make your wildest dreams come true, or is planning for ultra-wealthy status a wasted pursuit, as most people could easily retire earlywith just a few million? The question we’re trying to ask is, how much is enough?

It’s not Scott and Mindy asking this question, it’s today’s guest, Travis. You could call Travis an overachiever, although he doesn’t have the ego to fit that title. Travis has built close to a million dollars in net worth, with $10,000 of monthly passive income in just four years. He’s done this while working a full-time job and spending just $2,000 a month. If we could give a “You Did It, You Won the Money Show!” award, Travis would be first in line.

But Travis is struggling to get his goals aligned with his portfolio. He set a lofty eight-figure goal for retirement, but with his rock-bottom spending rate, is this dollar figure even worth the work? Travis also wants to pose the stocks vs. real estate question, as he’s almost entirely invested in rental properties with very little left in retirement accounts or any stock accounts in general. So what is Travis’ next move? Quit the job, load up on stocks, or keep doing what he’s been doing?




In This Episode We Cover

Using the BRRRR strategy to grow a large rental portfolio in very little time 

Hitting millionaire status by your thirties through smart spending and consistent investing

When to quit your W2 and pursue entrepreneurial pursuits full-time

Stocks vs. real estate and loading up your Roth, 401K, and other retirement accounts

Goal setting and when to take a step back from building wealth 

CapEx calculations, cash reserves, and prepaying your mortgage 

And So Much More!




Links from the Show

BiggerPockets Money Facebook Group

BiggerPockets Forums

Finance Review Guest Onboarding

Mindy's Twitter

Scott's Instagram

Listen to All Your Favorite BiggerPockets Podcasts in One Place

Apply to Be a Guest on The Money Show

Podcast Talent Search!

Subscribe to The “On The Market” YouTube Channel

Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets

Check Out Mindy’s 2022 Live Spending Tracker and Budget

BiggerPockets FIRE Planning Worksheet

Ready to Retire: The Ultimate Pre-Retirement Checklist

Coast FI: The Calculated Way to Retire Early WITHOUT Giving Up What You Love w/Jessica from The Fioneers

Episode 200 Special: A Personal Finance Masterclass with Kyle Mast




Click here to check the full show notes: https://www.biggerpockets.com/blog/money-336




Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Check out our sponsor page!]]></description>
	<itunes:subtitle><![CDATA[Becoming a millionaire by 30 is almost every 20-or-something-year-old’s dream. But what if you want to go even further? Instead of seven-figure net worth, what about an eight-figure net worth? Would this be enough to make your wildest dreams come true, o]]></itunes:subtitle>
	<content:encoded><![CDATA[Becoming a millionaire by 30 is almost every 20-or-something-year-old’s dream. But what if you want to go even further? Instead of seven-figure net worth, what about an eight-figure net worth? Would this be enough to make your wildest dreams come true, or is planning for ultra-wealthy status a wasted pursuit, as most people could easily retire earlywith just a few million? The question we’re trying to ask is, how much is enough?

It’s not Scott and Mindy asking this question, it’s today’s guest, Travis. You could call Travis an overachiever, although he doesn’t have the ego to fit that title. Travis has built close to a million dollars in net worth, with $10,000 of monthly passive income in just four years. He’s done this while working a full-time job and spending just $2,000 a month. If we could give a “You Did It, You Won the Money Show!” award, Travis would be first in line.

But Travis is struggling to get his goals aligned with his portfolio. He set a lofty eight-figure goal for retirement, but with his rock-bottom spending rate, is this dollar figure even worth the work? Travis also wants to pose the stocks vs. real estate question, as he’s almost entirely invested in rental properties with very little left in retirement accounts or any stock accounts in general. So what is Travis’ next move? Quit the job, load up on stocks, or keep doing what he’s been doing?




In This Episode We Cover

Using the BRRRR strategy to grow a large rental portfolio in very little time 

Hitting millionaire status by your thirties through smart spending and consistent investing

When to quit your W2 and pursue entrepreneurial pursuits full-time

Stocks vs. real estate and loading up your Roth, 401K, and other retirement accounts

Goal setting and when to take a step back from building wealth 

CapEx calculations, cash reserves, and prepaying your mortgage 

And So Much More!




Links from the Show

BiggerPockets Money Facebook Group

BiggerPockets Forums

Finance Review Guest Onboarding

Mindy's Twitter

Scott's Instagram

Listen to All Your Favorite BiggerPockets Podcasts in One Place

Apply to Be a Guest on The Money Show

Podcast Talent Search!

Subscribe to The “On The Market” YouTube Channel

Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets

Check Out Mindy’s 2022 Live Spending Tracker and Budget

BiggerPockets FIRE Planning Worksheet

Ready to Retire: The Ultimate Pre-Retirement Checklist

Coast FI: The Calculated Way to Retire Early WITHOUT Giving Up What You Love w/Jessica from The Fioneers

Episode 200 Special: A Personal Finance Masterclass with Kyle Mast




Click here to check the full show notes: https://www.biggerpockets.com/blog/money-336




Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Check out our sponsor page!]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC7554659762.mp3" length="57398739" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[Becoming a millionaire by 30 is almost every 20-or-something-year-old’s dream. But what if you want to go even further? Instead of seven-figure net worth, what about an eight-figure net worth? Would this be enough to make your wildest dreams come true, or is planning for ultra-wealthy status a wasted pursuit, as most people could easily retire earlywith just a few million? The question we’re trying to ask is, how much is enough?

It’s not Scott and Mindy asking this question, it’s today’s guest, Travis. You could call Travis an overachiever, although he doesn’t have the ego to fit that title. Travis has built close to a million dollars in net worth, with $10,000 of monthly passive income in just four years. He’s done this while working a full-time job and spending just $2,000 a month. If we could give a “You Did It, You Won the Money Show!” award, Travis would be first in line.

But Travis is struggling to get his goals aligned with his portfolio. He set a lofty eight-figure goal for retirement, but with his rock-bottom spending rate, is this dollar figure even worth the work? Travis also wants to pose the stocks vs. real estate question, as he’s almost entirely invested in rental properties with very little left in retirement accounts or any stock accounts in general. So what is Travis’ next move? Quit the job, load up on stocks, or keep doing what he’s been doing?




In This Episode We Cover

Using the BRRRR strategy to grow a large rental portfolio in very little time 

Hitting millionaire status by your thirties through smart spending and consistent investing

When to quit your W2 and pursue entrepreneurial pursuits full-time

Stocks vs. real estate and loading up your Roth, 401K, and other retirement accounts

Goal setting and when to take a step back from building wealth 

CapEx calculations, cash reserves, and prepaying your mortgage 

And So Much More!




Links from the Show

BiggerPockets Money Facebook Group

BiggerPockets Forums

Finance Review Guest Onboarding

Mindy's Twitter

Scott's Instagram

Listen to All Your Favorite BiggerPockets Podcasts in One Place

Apply to Be a Guest on The Money Show

Podcast Talent Search!

Subscribe to The “On The Market” YouTube Channel

Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets

Check Out Mindy’s 2022 Live Spending Tracker and Budget

BiggerPockets FIRE Planning Worksheet

Ready to Retire: The Ultimate Pre-Retirement Checklist

Coast FI: The Calculated Way to Retire Early WITHOUT Giving Up What You Love w/Jessica from The Fioneers

Episode 200 Special: A Personal Finance Masterclass with Kyle Mast




Click here to check the full show notes: https://www.biggerpockets.com/blog/money-336




Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Check out our sponsor page!]]></itunes:summary>
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	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[Becoming a millionaire by 30 is almost every 20-or-something-year-old’s dream. But what if you want to go even further? Instead of seven-figure net worth, what about an eight-figure net worth? Would this be enough to make your wildest dreams come true, or is planning for ultra-wealthy status a wasted pursuit, as most people could easily retire earlywith just a few million? The question we’re trying to ask is, how much is enough?

It’s not Scott and Mindy asking this question, it’s today’s guest, Travis. You could call Travis an overachiever, although he doesn’t have the ego to fit that title. Travis has built close to a million dollars in net worth, with $10,000 of monthly passive income in just four years. He’s done this while working a full-time job and spending just $2,000 a month. If we could give a “You Did It, You Won the Money Show!” award, Travis would be first in line.

But Travis is struggling to get his goals aligned with his portfolio. He set a lofty eight-figure goal for ]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>335: The (Almost) Guaranteed Way to 31x Your Investments</title>
	<link>https://biggerpocketsmoney.com/podcast/335-the-almost-guaranteed-way-to-31x-your-investments/</link>
	<pubDate>Mon, 12 Sep 2022 06:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">gid://art19-episode-locator/V0/_ewguL07KmdsF1ZfVg_GKFECVNlqrxmPoZqHd9E8eiU</guid>
	<description><![CDATA[What do timing the market and a circle have in common? There’s no point, literally and figuratively. Some people would like to have you think they’ve cracked the code and there’s some secret formula. There’s not. They may have been able to “time the market” once or twice, but they probably can’t repeat it multiple times. Being correct for the wrong reasons isn’t repeatable, and with the market being so arbitrary, timing it correctly for the right reasons is unlikely. Despite this, there’s still a way to have enormous success while realizing great returns in the stock market, and today’s guest, Jesse Cramer, explains that.

In Jesse’s article, The Near-Zero Benefit from Timing the Market, he tells the story of three investors. All three investors have different experiences “timing” the market, and while they all have different outcomes, it’s not the outcome you’d expect. While you can’t time the market, time in the market can be just as lucrative. If you let your money compound interest over time, you’d be surprised at how much more you can earn by simply leaving your money alone.




In This Episode We Cover

Time in the market vs. timing of the market and which one wins over decades

The unpredictability of the market and how to combat it

Advice for new investors on how to manage emotions while investing

The benefits of reinvesting your dividends and letting your investments compound

The importance of self-education and how to use it as insurance when investing

The history of the stock market and its overall growth

And So Much More!

Links from the Show

BiggerPockets Money Facebook Group

BiggerPockets Forums

Finance Review Guest Onboarding

Mindy's Twitter

Listen to All Your Favorite BiggerPockets Podcasts in One Place

Apply to Be a Guest on The Money Show

Podcast Talent Search!

Subscribe to The “On The Market” YouTube Channel

Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets

Check Out Mindy’s 2022 Live Spending Tracker and Budget

Mile High FI Podcast

1,500 Days to Freedom

Coronavirus: Is It Time to Give Up on Financial Independence?

The Near-Zero Benefit from Timing the Market

BestInterest Blog




Click here to check the full show notes: https://www.biggerpockets.com/blog/money-335




Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Check out our sponsor page!]]></description>
	<itunes:subtitle><![CDATA[What do timing the market and a circle have in common? There’s no point, literally and figuratively. Some people would like to have you think they’ve cracked the code and there’s some secret formula. There’s not. They may have been able to “time the mark]]></itunes:subtitle>
	<content:encoded><![CDATA[What do timing the market and a circle have in common? There’s no point, literally and figuratively. Some people would like to have you think they’ve cracked the code and there’s some secret formula. There’s not. They may have been able to “time the market” once or twice, but they probably can’t repeat it multiple times. Being correct for the wrong reasons isn’t repeatable, and with the market being so arbitrary, timing it correctly for the right reasons is unlikely. Despite this, there’s still a way to have enormous success while realizing great returns in the stock market, and today’s guest, Jesse Cramer, explains that.

In Jesse’s article, The Near-Zero Benefit from Timing the Market, he tells the story of three investors. All three investors have different experiences “timing” the market, and while they all have different outcomes, it’s not the outcome you’d expect. While you can’t time the market, time in the market can be just as lucrative. If you let your money compound interest over time, you’d be surprised at how much more you can earn by simply leaving your money alone.




In This Episode We Cover

Time in the market vs. timing of the market and which one wins over decades

The unpredictability of the market and how to combat it

Advice for new investors on how to manage emotions while investing

The benefits of reinvesting your dividends and letting your investments compound

The importance of self-education and how to use it as insurance when investing

The history of the stock market and its overall growth

And So Much More!

Links from the Show

BiggerPockets Money Facebook Group

BiggerPockets Forums

Finance Review Guest Onboarding

Mindy's Twitter

Listen to All Your Favorite BiggerPockets Podcasts in One Place

Apply to Be a Guest on The Money Show

Podcast Talent Search!

Subscribe to The “On The Market” YouTube Channel

Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets

Check Out Mindy’s 2022 Live Spending Tracker and Budget

Mile High FI Podcast

1,500 Days to Freedom

Coronavirus: Is It Time to Give Up on Financial Independence?

The Near-Zero Benefit from Timing the Market

BestInterest Blog




Click here to check the full show notes: https://www.biggerpockets.com/blog/money-335




Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Check out our sponsor page!]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC2777881270.mp3" length="46958613" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[What do timing the market and a circle have in common? There’s no point, literally and figuratively. Some people would like to have you think they’ve cracked the code and there’s some secret formula. There’s not. They may have been able to “time the market” once or twice, but they probably can’t repeat it multiple times. Being correct for the wrong reasons isn’t repeatable, and with the market being so arbitrary, timing it correctly for the right reasons is unlikely. Despite this, there’s still a way to have enormous success while realizing great returns in the stock market, and today’s guest, Jesse Cramer, explains that.

In Jesse’s article, The Near-Zero Benefit from Timing the Market, he tells the story of three investors. All three investors have different experiences “timing” the market, and while they all have different outcomes, it’s not the outcome you’d expect. While you can’t time the market, time in the market can be just as lucrative. If you let your money compound interest over time, you’d be surprised at how much more you can earn by simply leaving your money alone.




In This Episode We Cover

Time in the market vs. timing of the market and which one wins over decades

The unpredictability of the market and how to combat it

Advice for new investors on how to manage emotions while investing

The benefits of reinvesting your dividends and letting your investments compound

The importance of self-education and how to use it as insurance when investing

The history of the stock market and its overall growth

And So Much More!

Links from the Show

BiggerPockets Money Facebook Group

BiggerPockets Forums

Finance Review Guest Onboarding

Mindy's Twitter

Listen to All Your Favorite BiggerPockets Podcasts in One Place

Apply to Be a Guest on The Money Show

Podcast Talent Search!

Subscribe to The “On The Market” YouTube Channel

Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets

Check Out Mindy’s 2022 Live Spending Tracker and Budget

Mile High FI Podcast

1,500 Days to Freedom

Coronavirus: Is It Time to Give Up on Financial Independence?

The Near-Zero Benefit from Timing the Market

BestInterest Blog




Click here to check the full show notes: https://www.biggerpockets.com/blog/money-335




Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Check out our sponsor page!]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[What do timing the market and a circle have in common? There’s no point, literally and figuratively. Some people would like to have you think they’ve cracked the code and there’s some secret formula. There’s not. They may have been able to “time the market” once or twice, but they probably can’t repeat it multiple times. Being correct for the wrong reasons isn’t repeatable, and with the market being so arbitrary, timing it correctly for the right reasons is unlikely. Despite this, there’s still a way to have enormous success while realizing great returns in the stock market, and today’s guest, Jesse Cramer, explains that.

In Jesse’s article, The Near-Zero Benefit from Timing the Market, he tells the story of three investors. All three investors have different experiences “timing” the market, and while they all have different outcomes, it’s not the outcome you’d expect. While you can’t time the market, time in the market can be just as lucrative. If you let your money compound interes]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>334: Finance Friday: The 5 Questions to Ask if You Want to Fast-Track FI</title>
	<link>https://biggerpocketsmoney.com/podcast/334-finance-friday-the-5-questions-to-ask-if-you-want-to-fast-track-fi/</link>
	<pubDate>Fri, 09 Sep 2022 06:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">gid://art19-episode-locator/V0/vYIQZoeF-5sPrrpONvhnJHVQ3Ep_Bgj-T6qz6pQsKXY</guid>
	<description><![CDATA[If someone told you that financial freedom could be achieved by traveling the world, you probably wouldn’t believe them. How can going on a work vacation to Europe make you richer? Surprisingly, doing this can help cut years off your retirement horizon, allowing you to save more, spend less, and invest for your future faster than ever before. Don’t believe it’s possible? Scott and Mindy prove the profits behind doing so in this Finance Friday episode!

Today we’re talking to James, who is inches away from retirement. He has only a few years left before he can sail off into the sunset, but James wants to know how he can reach his goals even faster. He keeps his spending low, continuously invests, and has a remote work position, allowing him to work wherever he wants. He dreams of living in other areas of the United States but wants to ensure he has enough money to do so.

His highest monthly cost? Housing! Like most Americans, a majority of James’ spending is for the roof over his head, but could geographic arbitrage turn his travel plans into a seriously profitable excursion? For those who are trying to hit FI, are close to FI, or simply want to spend more time enjoying life abroad, this episode is for you!




In This Episode We Cover

Calculating your FI number and getting to early retirement faster 

Defining your retirement goals and knowing what you want to do and where you want to be

The 4% rule and whether or not it holds up as stock values have taken a tumble

Geographic arbitrage and using it to reduce your largest monthly cost

Coast FI and why a more gradual retirement option may work for you

The five questions every investor should ask themselves when planning for retirement

And So Much More!




Links from the Show

BiggerPockets Money Facebook Group

BiggerPockets Forums

Finance Review Guest Onboarding

Mindy's Twitter

Scott's Instagram

Listen to All Your Favorite BiggerPockets Podcasts in One Place

Apply to Be a Guest on The Money Show

Podcast Talent Search!

Subscribe to The “On The Market” YouTube Channel

Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets

Check Out Mindy’s 2022 Live Spending Tracker and Budget

Ready to Retire: The Ultimate Pre-Retirement Checklist

BiggerPockets FIRE Planning Worksheet

Coast FI: The Calculated Way to Retire Early WITHOUT Giving Up What You Love w/Jessica from The Fioneers

Ramit Sethi’s Money Advice for Couples: Live a Rich Life, Together

Networthify

Cfiresim Simulator




Click here to check the full show notes: https://www.biggerpockets.com/blog/money-334




Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Check out our sponsor page!]]></description>
	<itunes:subtitle><![CDATA[If someone told you that financial freedom could be achieved by traveling the world, you probably wouldn’t believe them. How can going on a work vacation to Europe make you richer? Surprisingly, doing this can help cut years off your retirement horizon, ]]></itunes:subtitle>
	<content:encoded><![CDATA[If someone told you that financial freedom could be achieved by traveling the world, you probably wouldn’t believe them. How can going on a work vacation to Europe make you richer? Surprisingly, doing this can help cut years off your retirement horizon, allowing you to save more, spend less, and invest for your future faster than ever before. Don’t believe it’s possible? Scott and Mindy prove the profits behind doing so in this Finance Friday episode!

Today we’re talking to James, who is inches away from retirement. He has only a few years left before he can sail off into the sunset, but James wants to know how he can reach his goals even faster. He keeps his spending low, continuously invests, and has a remote work position, allowing him to work wherever he wants. He dreams of living in other areas of the United States but wants to ensure he has enough money to do so.

His highest monthly cost? Housing! Like most Americans, a majority of James’ spending is for the roof over his head, but could geographic arbitrage turn his travel plans into a seriously profitable excursion? For those who are trying to hit FI, are close to FI, or simply want to spend more time enjoying life abroad, this episode is for you!




In This Episode We Cover

Calculating your FI number and getting to early retirement faster 

Defining your retirement goals and knowing what you want to do and where you want to be

The 4% rule and whether or not it holds up as stock values have taken a tumble

Geographic arbitrage and using it to reduce your largest monthly cost

Coast FI and why a more gradual retirement option may work for you

The five questions every investor should ask themselves when planning for retirement

And So Much More!




Links from the Show

BiggerPockets Money Facebook Group

BiggerPockets Forums

Finance Review Guest Onboarding

Mindy's Twitter

Scott's Instagram

Listen to All Your Favorite BiggerPockets Podcasts in One Place

Apply to Be a Guest on The Money Show

Podcast Talent Search!

Subscribe to The “On The Market” YouTube Channel

Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets

Check Out Mindy’s 2022 Live Spending Tracker and Budget

Ready to Retire: The Ultimate Pre-Retirement Checklist

BiggerPockets FIRE Planning Worksheet

Coast FI: The Calculated Way to Retire Early WITHOUT Giving Up What You Love w/Jessica from The Fioneers

Ramit Sethi’s Money Advice for Couples: Live a Rich Life, Together

Networthify

Cfiresim Simulator




Click here to check the full show notes: https://www.biggerpockets.com/blog/money-334




Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Check out our sponsor page!]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC1510614516.mp3" length="48869109" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[If someone told you that financial freedom could be achieved by traveling the world, you probably wouldn’t believe them. How can going on a work vacation to Europe make you richer? Surprisingly, doing this can help cut years off your retirement horizon, allowing you to save more, spend less, and invest for your future faster than ever before. Don’t believe it’s possible? Scott and Mindy prove the profits behind doing so in this Finance Friday episode!

Today we’re talking to James, who is inches away from retirement. He has only a few years left before he can sail off into the sunset, but James wants to know how he can reach his goals even faster. He keeps his spending low, continuously invests, and has a remote work position, allowing him to work wherever he wants. He dreams of living in other areas of the United States but wants to ensure he has enough money to do so.

His highest monthly cost? Housing! Like most Americans, a majority of James’ spending is for the roof over his head, but could geographic arbitrage turn his travel plans into a seriously profitable excursion? For those who are trying to hit FI, are close to FI, or simply want to spend more time enjoying life abroad, this episode is for you!




In This Episode We Cover

Calculating your FI number and getting to early retirement faster 

Defining your retirement goals and knowing what you want to do and where you want to be

The 4% rule and whether or not it holds up as stock values have taken a tumble

Geographic arbitrage and using it to reduce your largest monthly cost

Coast FI and why a more gradual retirement option may work for you

The five questions every investor should ask themselves when planning for retirement

And So Much More!




Links from the Show

BiggerPockets Money Facebook Group

BiggerPockets Forums

Finance Review Guest Onboarding

Mindy's Twitter

Scott's Instagram

Listen to All Your Favorite BiggerPockets Podcasts in One Place

Apply to Be a Guest on The Money Show

Podcast Talent Search!

Subscribe to The “On The Market” YouTube Channel

Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets

Check Out Mindy’s 2022 Live Spending Tracker and Budget

Ready to Retire: The Ultimate Pre-Retirement Checklist

BiggerPockets FIRE Planning Worksheet

Coast FI: The Calculated Way to Retire Early WITHOUT Giving Up What You Love w/Jessica from The Fioneers

Ramit Sethi’s Money Advice for Couples: Live a Rich Life, Together

Networthify

Cfiresim Simulator




Click here to check the full show notes: https://www.biggerpockets.com/blog/money-334




Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Check out our sponsor page!]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
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	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[If someone told you that financial freedom could be achieved by traveling the world, you probably wouldn’t believe them. How can going on a work vacation to Europe make you richer? Surprisingly, doing this can help cut years off your retirement horizon, allowing you to save more, spend less, and invest for your future faster than ever before. Don’t believe it’s possible? Scott and Mindy prove the profits behind doing so in this Finance Friday episode!

Today we’re talking to James, who is inches away from retirement. He has only a few years left before he can sail off into the sunset, but James wants to know how he can reach his goals even faster. He keeps his spending low, continuously invests, and has a remote work position, allowing him to work wherever he wants. He dreams of living in other areas of the United States but wants to ensure he has enough money to do so.

His highest monthly cost? Housing! Like most Americans, a majority of James’ spending is for the roof over his head]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>333: From Broke at 40 to FI at 50 While Raising 4 Kids</title>
	<link>https://biggerpocketsmoney.com/podcast/333-from-broke-at-40-to-fi-at-50-while-raising-4-kids/</link>
	<pubDate>Mon, 05 Sep 2022 06:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">gid://art19-episode-locator/V0/YnJvJHOoIv85jiP5bnh_-f5nSfG8Af04j1Y4mZWS-Tk</guid>
	<description><![CDATA[In the early retirement movement, becoming a millionaire is a crucial part of the financial path. While everyone has different spending habits, the first million will allow you to start pivoting so you can make choices for your enjoyment, not just for the sake of money. But when is it too late to start making these moves? Is there a certain point where early retirement, or retirement at all, is off the table? If you think so, listen to today’s episode with Courtney Robinson.

Courtney was raised frugal, and unlike most, she never strayed off that path. Buying old cars, eating at home, and seeing matinee movies were the norm for her, but this began to get harder and harder as her family grew. Courtney was raising four children on her own, making only $15,000 per year, with multiple debts to pay off. But now, only ten years later, she’s a millionaire with equity, retirement investments, a large cash reserve, and multiple rental properties.

How did she make the switch in the “late period” of her life? Courtney goes over the details that led her and her husbandout of bankruptcy, into investing, and eventually to millionaire status. By no means was this an easy or quick journey, but Courtney serves as living proof that even if you’re in your forties or fifties, you still have plenty of time to build a strong financial foundation, and maybe retire early!




In This Episode We Cover

Early frugality and the long-term benefits of teaching your children to save

Living off of $15,000 per year and how to intelligently increase your yearly income 

Bankruptcy, debt payoff, and differentiating the “needs” from the “wants” in your life

Paying off your mortgage and living for “free” in just a few years 

Calculating your FI number and making sure your investments match what you’ll need

Emergency funds, cash reserves, and how much to keep in each account

And So Much More!




Links from the Show

BiggerPockets Money Facebook Group

BiggerPockets Forums

Finance Review Guest Onboarding

Mindy's Twitter

Scott's Instagram

Listen to All Your Favorite BiggerPockets Podcasts in One Place

Apply to Be a Guest on The Money Show

Podcast Talent Search!

Subscribe to The “On The Market” YouTube Channel

Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets

Check Out Mindy’s 2022 Live Spending Tracker and Budget

Dave Ramsey Solutions

Early Retirement by 30 with $20K/Month in (Actually) Passive Income

Finance Friday: How to Get to Early Retirement Even Faster




Click here to check the full show notes: https://www.biggerpockets.com/blog/money-333




Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Check out our sponsor page!]]></description>
	<itunes:subtitle><![CDATA[In the early retirement movement, becoming a millionaire is a crucial part of the financial path. While everyone has different spending habits, the first million will allow you to start pivoting so you can make choices for your enjoyment, not just for th]]></itunes:subtitle>
	<content:encoded><![CDATA[In the early retirement movement, becoming a millionaire is a crucial part of the financial path. While everyone has different spending habits, the first million will allow you to start pivoting so you can make choices for your enjoyment, not just for the sake of money. But when is it too late to start making these moves? Is there a certain point where early retirement, or retirement at all, is off the table? If you think so, listen to today’s episode with Courtney Robinson.

Courtney was raised frugal, and unlike most, she never strayed off that path. Buying old cars, eating at home, and seeing matinee movies were the norm for her, but this began to get harder and harder as her family grew. Courtney was raising four children on her own, making only $15,000 per year, with multiple debts to pay off. But now, only ten years later, she’s a millionaire with equity, retirement investments, a large cash reserve, and multiple rental properties.

How did she make the switch in the “late period” of her life? Courtney goes over the details that led her and her husbandout of bankruptcy, into investing, and eventually to millionaire status. By no means was this an easy or quick journey, but Courtney serves as living proof that even if you’re in your forties or fifties, you still have plenty of time to build a strong financial foundation, and maybe retire early!




In This Episode We Cover

Early frugality and the long-term benefits of teaching your children to save

Living off of $15,000 per year and how to intelligently increase your yearly income 

Bankruptcy, debt payoff, and differentiating the “needs” from the “wants” in your life

Paying off your mortgage and living for “free” in just a few years 

Calculating your FI number and making sure your investments match what you’ll need

Emergency funds, cash reserves, and how much to keep in each account

And So Much More!




Links from the Show

BiggerPockets Money Facebook Group

BiggerPockets Forums

Finance Review Guest Onboarding

Mindy's Twitter

Scott's Instagram

Listen to All Your Favorite BiggerPockets Podcasts in One Place

Apply to Be a Guest on The Money Show

Podcast Talent Search!

Subscribe to The “On The Market” YouTube Channel

Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets

Check Out Mindy’s 2022 Live Spending Tracker and Budget

Dave Ramsey Solutions

Early Retirement by 30 with $20K/Month in (Actually) Passive Income

Finance Friday: How to Get to Early Retirement Even Faster




Click here to check the full show notes: https://www.biggerpockets.com/blog/money-333




Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Check out our sponsor page!]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC4501218388.mp3" length="55539904" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[In the early retirement movement, becoming a millionaire is a crucial part of the financial path. While everyone has different spending habits, the first million will allow you to start pivoting so you can make choices for your enjoyment, not just for the sake of money. But when is it too late to start making these moves? Is there a certain point where early retirement, or retirement at all, is off the table? If you think so, listen to today’s episode with Courtney Robinson.

Courtney was raised frugal, and unlike most, she never strayed off that path. Buying old cars, eating at home, and seeing matinee movies were the norm for her, but this began to get harder and harder as her family grew. Courtney was raising four children on her own, making only $15,000 per year, with multiple debts to pay off. But now, only ten years later, she’s a millionaire with equity, retirement investments, a large cash reserve, and multiple rental properties.

How did she make the switch in the “late period” of her life? Courtney goes over the details that led her and her husbandout of bankruptcy, into investing, and eventually to millionaire status. By no means was this an easy or quick journey, but Courtney serves as living proof that even if you’re in your forties or fifties, you still have plenty of time to build a strong financial foundation, and maybe retire early!




In This Episode We Cover

Early frugality and the long-term benefits of teaching your children to save

Living off of $15,000 per year and how to intelligently increase your yearly income 

Bankruptcy, debt payoff, and differentiating the “needs” from the “wants” in your life

Paying off your mortgage and living for “free” in just a few years 

Calculating your FI number and making sure your investments match what you’ll need

Emergency funds, cash reserves, and how much to keep in each account

And So Much More!




Links from the Show

BiggerPockets Money Facebook Group

BiggerPockets Forums

Finance Review Guest Onboarding

Mindy's Twitter

Scott's Instagram

Listen to All Your Favorite BiggerPockets Podcasts in One Place

Apply to Be a Guest on The Money Show

Podcast Talent Search!

Subscribe to The “On The Market” YouTube Channel

Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets

Check Out Mindy’s 2022 Live Spending Tracker and Budget

Dave Ramsey Solutions

Early Retirement by 30 with $20K/Month in (Actually) Passive Income

Finance Friday: How to Get to Early Retirement Even Faster




Click here to check the full show notes: https://www.biggerpockets.com/blog/money-333




Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Check out our sponsor page!]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[In the early retirement movement, becoming a millionaire is a crucial part of the financial path. While everyone has different spending habits, the first million will allow you to start pivoting so you can make choices for your enjoyment, not just for the sake of money. But when is it too late to start making these moves? Is there a certain point where early retirement, or retirement at all, is off the table? If you think so, listen to today’s episode with Courtney Robinson.

Courtney was raised frugal, and unlike most, she never strayed off that path. Buying old cars, eating at home, and seeing matinee movies were the norm for her, but this began to get harder and harder as her family grew. Courtney was raising four children on her own, making only $15,000 per year, with multiple debts to pay off. But now, only ten years later, she’s a millionaire with equity, retirement investments, a large cash reserve, and multiple rental properties.

How did she make the switch in the “late perio]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>332: Handling Finances as a Couple: Individual, Combined, or a Bit Of Both?</title>
	<link>https://biggerpocketsmoney.com/podcast/332-handling-finances-as-a-couple-individual-combined-or-a-bit-of-both/</link>
	<pubDate>Fri, 02 Sep 2022 06:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">gid://art19-episode-locator/V0/4LsvfSLiRFHiWEsZoIevyIzfQhXHVuBGtmLfexCUdaM</guid>
	<description><![CDATA[Having shared finances, for most couples, is an automatic thing to do once married or after being together for many years. It seems natural to want to combine income, expenses, and investments all in one big pot. This was the norm for most couples over the past hundred years, but as technology has made individual accounts more defined, some couples are finding freedom in keeping their finances separate from their relationship.

We thought we’d put this theory to the test by having Doug Cunnington and Carl Jensen, hosts of the Mile High FI podcast, on the show. Doug and his wife have separate finances, Carl (Mindy’s husband) has completely combined their cash flow, and David Pere (our trusted military millionaire) has walked the tightrope between combined and separate finances with his wife. But which couple is fairing the best?

Unfortunately, we will not be having a couple vs. couple cage match?—but we will discuss the pros and cons of each strategy. Carl, David, and Doug all bring up interesting, and often emotional, arguments as to why they think their money-splitting strategy works best for their specific relationship. If you’re currently in a relationship, married, or about to be wed, this may be a crucial topic worth exploring before your spouse spends $50,000+ on an impulse Tesla order!

In This Episode We Cover

Three couples with three different ways of splitting finances 

How to combine monthly cash flow so that bills are paid

The bright side of prenuptial agreements and why every married couple should have one

Respecting your partner's money mindset by building a spouse-specific system for the two of you

Saving for your child's college and whether or not higher education is worth it as college becomes increasingly optional

Advice for couples who will (or already) combine their finances and investing

And So Much More!




Links from the Show

BiggerPockets Money Facebook Group

BiggerPockets Forums

Finance Review Guest Onboarding

Mindy's Twitter

David on BiggerPockets

David’s Site From Military to Millionaire

Listen to All Your Favorite BiggerPockets Podcasts in One Place

Apply to Be a Guest on The Money Show

Podcast Talent Search!

Subscribe to The “On The Market” YouTube Channel

Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets

Check Out Mindy’s 2022 Live Spending Tracker and Budget

Mile High FI Podcast

1,500 Days to Freedom

Why You’re (Probably) Wrong About Prenups




Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Check out our sponsor page!]]></description>
	<itunes:subtitle><![CDATA[Having shared finances, for most couples, is an automatic thing to do once married or after being together for many years. It seems natural to want to combine income, expenses, and investments all in one big pot. This was the norm for most couples over t]]></itunes:subtitle>
	<content:encoded><![CDATA[Having shared finances, for most couples, is an automatic thing to do once married or after being together for many years. It seems natural to want to combine income, expenses, and investments all in one big pot. This was the norm for most couples over the past hundred years, but as technology has made individual accounts more defined, some couples are finding freedom in keeping their finances separate from their relationship.

We thought we’d put this theory to the test by having Doug Cunnington and Carl Jensen, hosts of the Mile High FI podcast, on the show. Doug and his wife have separate finances, Carl (Mindy’s husband) has completely combined their cash flow, and David Pere (our trusted military millionaire) has walked the tightrope between combined and separate finances with his wife. But which couple is fairing the best?

Unfortunately, we will not be having a couple vs. couple cage match?—but we will discuss the pros and cons of each strategy. Carl, David, and Doug all bring up interesting, and often emotional, arguments as to why they think their money-splitting strategy works best for their specific relationship. If you’re currently in a relationship, married, or about to be wed, this may be a crucial topic worth exploring before your spouse spends $50,000+ on an impulse Tesla order!

In This Episode We Cover

Three couples with three different ways of splitting finances 

How to combine monthly cash flow so that bills are paid

The bright side of prenuptial agreements and why every married couple should have one

Respecting your partner's money mindset by building a spouse-specific system for the two of you

Saving for your child's college and whether or not higher education is worth it as college becomes increasingly optional

Advice for couples who will (or already) combine their finances and investing

And So Much More!




Links from the Show

BiggerPockets Money Facebook Group

BiggerPockets Forums

Finance Review Guest Onboarding

Mindy's Twitter

David on BiggerPockets

David’s Site From Military to Millionaire

Listen to All Your Favorite BiggerPockets Podcasts in One Place

Apply to Be a Guest on The Money Show

Podcast Talent Search!

Subscribe to The “On The Market” YouTube Channel

Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets

Check Out Mindy’s 2022 Live Spending Tracker and Budget

Mile High FI Podcast

1,500 Days to Freedom

Why You’re (Probably) Wrong About Prenups




Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Check out our sponsor page!]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC7224249382.mp3" length="59063669" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[Having shared finances, for most couples, is an automatic thing to do once married or after being together for many years. It seems natural to want to combine income, expenses, and investments all in one big pot. This was the norm for most couples over the past hundred years, but as technology has made individual accounts more defined, some couples are finding freedom in keeping their finances separate from their relationship.

We thought we’d put this theory to the test by having Doug Cunnington and Carl Jensen, hosts of the Mile High FI podcast, on the show. Doug and his wife have separate finances, Carl (Mindy’s husband) has completely combined their cash flow, and David Pere (our trusted military millionaire) has walked the tightrope between combined and separate finances with his wife. But which couple is fairing the best?

Unfortunately, we will not be having a couple vs. couple cage match?—but we will discuss the pros and cons of each strategy. Carl, David, and Doug all bring up interesting, and often emotional, arguments as to why they think their money-splitting strategy works best for their specific relationship. If you’re currently in a relationship, married, or about to be wed, this may be a crucial topic worth exploring before your spouse spends $50,000+ on an impulse Tesla order!

In This Episode We Cover

Three couples with three different ways of splitting finances 

How to combine monthly cash flow so that bills are paid

The bright side of prenuptial agreements and why every married couple should have one

Respecting your partner's money mindset by building a spouse-specific system for the two of you

Saving for your child's college and whether or not higher education is worth it as college becomes increasingly optional

Advice for couples who will (or already) combine their finances and investing

And So Much More!




Links from the Show

BiggerPockets Money Facebook Group

BiggerPockets Forums

Finance Review Guest Onboarding

Mindy's Twitter

David on BiggerPockets

David’s Site From Military to Millionaire

Listen to All Your Favorite BiggerPockets Podcasts in One Place

Apply to Be a Guest on The Money Show

Podcast Talent Search!

Subscribe to The “On The Market” YouTube Channel

Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets

Check Out Mindy’s 2022 Live Spending Tracker and Budget

Mile High FI Podcast

1,500 Days to Freedom

Why You’re (Probably) Wrong About Prenups




Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Check out our sponsor page!]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[Having shared finances, for most couples, is an automatic thing to do once married or after being together for many years. It seems natural to want to combine income, expenses, and investments all in one big pot. This was the norm for most couples over the past hundred years, but as technology has made individual accounts more defined, some couples are finding freedom in keeping their finances separate from their relationship.

We thought we’d put this theory to the test by having Doug Cunnington and Carl Jensen, hosts of the Mile High FI podcast, on the show. Doug and his wife have separate finances, Carl (Mindy’s husband) has completely combined their cash flow, and David Pere (our trusted military millionaire) has walked the tightrope between combined and separate finances with his wife. But which couple is fairing the best?

Unfortunately, we will not be having a couple vs. couple cage match?—but we will discuss the pros and cons of each strategy. Carl, David, and Doug all bring u]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>331: From Food Stamps to Six-Figure Flips and Debt-Free On a Teacher’s Salary</title>
	<link>https://biggerpocketsmoney.com/podcast/331-from-food-stamps-to-six-figure-flips-and-debt-free-on-a-teachers-salary/</link>
	<pubDate>Mon, 29 Aug 2022 06:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">gid://art19-episode-locator/V0/GXOevl1vrx7BRLibpbXGgUliD4jpfA6PFxe2j3VK9uE</guid>
	<description><![CDATA[How would a six-figure side hustle change your financial picture? Think of the possibilities—being able to travel, becoming debt-free, or even buying your dream home. For most Americans, income is capped at what you make through a salary. There isn’t enough time, creativity, or energy left at the end of the day to make more. But, one specific subset of employees does have an upper hand that most people overlook—teachers. With a sizable summer break, teachers can make more than many others, even with their median incomes.

Someone who took full advantage of this lucrative scheduling was Skyler. Skyler was raised in a very frugal household, resorting to food stamps and government subsidies at times. But Skyler was poised to turn a hard past into hard assets and later, financial freedom. He used financial aid to heavily discount his college tuition, rent-hacked (sometimes for free) into his mid-twenties, and thought of every decision as a return on investment.

As he slowly whittled down the debt he had accumulated through school, real estate caught his eye. Skyler not only beganselling homes on the side as an agent but performing live in flips during the off-season of his teaching career. Thisskyrocketed his net worth, debt payoff schedule, and timeline to financial freedom. He’s made so many wise moves that Skyler will soon be saving eighty percent of his income all while living for free abroad!




In This Episode We Cover

Turning frugality into financial success through smart money-saving moves

Student loan payoff and using the “debt snowball method” to become debt-free faster

Live in flips and how to make six-figure, tax-free wealth through this lucrative side-hustle

The true price of adopting a child in the US and why it’s something worth saving up for

Making the most of your median-income job by building wealth in the background

Geographic arbitrage and living for free (and tax-free!) in other parts of the world

And So Much More!




Links from the Show

BiggerPockets Money Facebook Group

BiggerPockets Forums

Finance Review Guest Onboarding

Mindy's Twitter

Listen to All Your Favorite BiggerPockets Podcasts in One Place

Apply to Be a Guest on The Money Show

Podcast Talent Search!

Subscribe to The “On The Market” YouTube Channel

Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets

Check Out Mindy’s 2022 Live Spending Tracker and Budget

How to Create Financial Security (From Scratch!) and Become “Set for Life”




Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Check out our sponsor page!]]></description>
	<itunes:subtitle><![CDATA[How would a six-figure side hustle change your financial picture? Think of the possibilities—being able to travel, becoming debt-free, or even buying your dream home. For most Americans, income is capped at what you make through a salary. There isn’t eno]]></itunes:subtitle>
	<content:encoded><![CDATA[How would a six-figure side hustle change your financial picture? Think of the possibilities—being able to travel, becoming debt-free, or even buying your dream home. For most Americans, income is capped at what you make through a salary. There isn’t enough time, creativity, or energy left at the end of the day to make more. But, one specific subset of employees does have an upper hand that most people overlook—teachers. With a sizable summer break, teachers can make more than many others, even with their median incomes.

Someone who took full advantage of this lucrative scheduling was Skyler. Skyler was raised in a very frugal household, resorting to food stamps and government subsidies at times. But Skyler was poised to turn a hard past into hard assets and later, financial freedom. He used financial aid to heavily discount his college tuition, rent-hacked (sometimes for free) into his mid-twenties, and thought of every decision as a return on investment.

As he slowly whittled down the debt he had accumulated through school, real estate caught his eye. Skyler not only beganselling homes on the side as an agent but performing live in flips during the off-season of his teaching career. Thisskyrocketed his net worth, debt payoff schedule, and timeline to financial freedom. He’s made so many wise moves that Skyler will soon be saving eighty percent of his income all while living for free abroad!




In This Episode We Cover

Turning frugality into financial success through smart money-saving moves

Student loan payoff and using the “debt snowball method” to become debt-free faster

Live in flips and how to make six-figure, tax-free wealth through this lucrative side-hustle

The true price of adopting a child in the US and why it’s something worth saving up for

Making the most of your median-income job by building wealth in the background

Geographic arbitrage and living for free (and tax-free!) in other parts of the world

And So Much More!




Links from the Show

BiggerPockets Money Facebook Group

BiggerPockets Forums

Finance Review Guest Onboarding

Mindy's Twitter

Listen to All Your Favorite BiggerPockets Podcasts in One Place

Apply to Be a Guest on The Money Show

Podcast Talent Search!

Subscribe to The “On The Market” YouTube Channel

Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets

Check Out Mindy’s 2022 Live Spending Tracker and Budget

How to Create Financial Security (From Scratch!) and Become “Set for Life”




Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Check out our sponsor page!]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC6748229137.mp3" length="63380429" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[How would a six-figure side hustle change your financial picture? Think of the possibilities—being able to travel, becoming debt-free, or even buying your dream home. For most Americans, income is capped at what you make through a salary. There isn’t enough time, creativity, or energy left at the end of the day to make more. But, one specific subset of employees does have an upper hand that most people overlook—teachers. With a sizable summer break, teachers can make more than many others, even with their median incomes.

Someone who took full advantage of this lucrative scheduling was Skyler. Skyler was raised in a very frugal household, resorting to food stamps and government subsidies at times. But Skyler was poised to turn a hard past into hard assets and later, financial freedom. He used financial aid to heavily discount his college tuition, rent-hacked (sometimes for free) into his mid-twenties, and thought of every decision as a return on investment.

As he slowly whittled down the debt he had accumulated through school, real estate caught his eye. Skyler not only beganselling homes on the side as an agent but performing live in flips during the off-season of his teaching career. Thisskyrocketed his net worth, debt payoff schedule, and timeline to financial freedom. He’s made so many wise moves that Skyler will soon be saving eighty percent of his income all while living for free abroad!




In This Episode We Cover

Turning frugality into financial success through smart money-saving moves

Student loan payoff and using the “debt snowball method” to become debt-free faster

Live in flips and how to make six-figure, tax-free wealth through this lucrative side-hustle

The true price of adopting a child in the US and why it’s something worth saving up for

Making the most of your median-income job by building wealth in the background

Geographic arbitrage and living for free (and tax-free!) in other parts of the world

And So Much More!




Links from the Show

BiggerPockets Money Facebook Group

BiggerPockets Forums

Finance Review Guest Onboarding

Mindy's Twitter

Listen to All Your Favorite BiggerPockets Podcasts in One Place

Apply to Be a Guest on The Money Show

Podcast Talent Search!

Subscribe to The “On The Market” YouTube Channel

Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets

Check Out Mindy’s 2022 Live Spending Tracker and Budget

How to Create Financial Security (From Scratch!) and Become “Set for Life”




Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Check out our sponsor page!]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[How would a six-figure side hustle change your financial picture? Think of the possibilities—being able to travel, becoming debt-free, or even buying your dream home. For most Americans, income is capped at what you make through a salary. There isn’t enough time, creativity, or energy left at the end of the day to make more. But, one specific subset of employees does have an upper hand that most people overlook—teachers. With a sizable summer break, teachers can make more than many others, even with their median incomes.

Someone who took full advantage of this lucrative scheduling was Skyler. Skyler was raised in a very frugal household, resorting to food stamps and government subsidies at times. But Skyler was poised to turn a hard past into hard assets and later, financial freedom. He used financial aid to heavily discount his college tuition, rent-hacked (sometimes for free) into his mid-twenties, and thought of every decision as a return on investment.

As he slowly whittled down]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>330: The Ultimate Teen Money Hack for Parents</title>
	<link>https://biggerpocketsmoney.com/podcast/330-the-ultimate-teen-money-hack-for-parents/</link>
	<pubDate>Fri, 26 Aug 2022 06:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">gid://art19-episode-locator/V0/57nObOiJ7xVeS7lujqoxFGhhbppYaGvPYnqpT8UR-Qw</guid>
	<description><![CDATA[You’ve heard of money hacks before, but probably not like this. For the teenagers and parents of teenagers listening, this episode will give you everything you need to make yourself, or your child, financially successful, straight out of high school. Most parents think that a strong financial foundation is built through allowances, debit cards, and making their child get an after-school job. While none of that is bad advice, it doesn’t leave the teenager with a sense of financial security or knowledge of how to manage money.

Thankfully, the Sheek Freak himself, Dan Sheeks, is back on the show to give his “ultimate teen money hack for parents.” This strategy has been built through years of teaching children how to manage and make money and is one of the easiest ways to get teens on the correct financial path. This isn’t an overcomplicated strategy, but it will take some buy-in from your teen. What they’ll get out of it is far more independence, responsibility, and the ability to save and invest for a better future.

But Dan isn’t the only guest on today’s episode! We also have Carl Jensen and Claire Jensen joining us! Claire is fifteen years old, putting her in the perfect position to take ownership of her finances. She also asks some insightful questions your teen might ask when you try out this strategy. Thankfully, Claire is a fan of Dan's system, and she encourages all the parents (and teens) out there to try it too!




In This Episode We Cover

The “ultimate teen money hack” every parent should try with their high-schooler

Teen debit cards, credit cards, and building up basic frugality

Teaching your teen to “pay yourself first” through strategic spending and investing

Letting your child make mistakes now, so they don’t make life-long mistakes later

The perfect age to implement this strategy and when it matters most

Common questions your teen may ask and getting them excited about money management

And So Much More!




Links from the Show

BiggerPockets Money Facebook Group

BiggerPockets Forums

Finance Review Guest Onboarding

Mindy's Twitter

Listen to All Your Favorite BiggerPockets Podcasts in One Place

Apply to Be a Guest on The Money Show

Podcast Talent Search!

Subscribe to The “On The Market” YouTube Channel

Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets

Check Out Mindy’s 2022 Live Spending Tracker and Budget

Mile High FI Podcast

1,500 Days to Freedom

Escaping The Rat Race Before Your First Job w/ Dan Sheeks




Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Check out our sponsor page!]]></description>
	<itunes:subtitle><![CDATA[You’ve heard of money hacks before, but probably not like this. For the teenagers and parents of teenagers listening, this episode will give you everything you need to make yourself, or your child, financially successful, straight out of high school. Mos]]></itunes:subtitle>
	<content:encoded><![CDATA[You’ve heard of money hacks before, but probably not like this. For the teenagers and parents of teenagers listening, this episode will give you everything you need to make yourself, or your child, financially successful, straight out of high school. Most parents think that a strong financial foundation is built through allowances, debit cards, and making their child get an after-school job. While none of that is bad advice, it doesn’t leave the teenager with a sense of financial security or knowledge of how to manage money.

Thankfully, the Sheek Freak himself, Dan Sheeks, is back on the show to give his “ultimate teen money hack for parents.” This strategy has been built through years of teaching children how to manage and make money and is one of the easiest ways to get teens on the correct financial path. This isn’t an overcomplicated strategy, but it will take some buy-in from your teen. What they’ll get out of it is far more independence, responsibility, and the ability to save and invest for a better future.

But Dan isn’t the only guest on today’s episode! We also have Carl Jensen and Claire Jensen joining us! Claire is fifteen years old, putting her in the perfect position to take ownership of her finances. She also asks some insightful questions your teen might ask when you try out this strategy. Thankfully, Claire is a fan of Dan's system, and she encourages all the parents (and teens) out there to try it too!




In This Episode We Cover

The “ultimate teen money hack” every parent should try with their high-schooler

Teen debit cards, credit cards, and building up basic frugality

Teaching your teen to “pay yourself first” through strategic spending and investing

Letting your child make mistakes now, so they don’t make life-long mistakes later

The perfect age to implement this strategy and when it matters most

Common questions your teen may ask and getting them excited about money management

And So Much More!




Links from the Show

BiggerPockets Money Facebook Group

BiggerPockets Forums

Finance Review Guest Onboarding

Mindy's Twitter

Listen to All Your Favorite BiggerPockets Podcasts in One Place

Apply to Be a Guest on The Money Show

Podcast Talent Search!

Subscribe to The “On The Market” YouTube Channel

Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets

Check Out Mindy’s 2022 Live Spending Tracker and Budget

Mile High FI Podcast

1,500 Days to Freedom

Escaping The Rat Race Before Your First Job w/ Dan Sheeks




Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Check out our sponsor page!]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC9644787588.mp3" length="48042664" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[You’ve heard of money hacks before, but probably not like this. For the teenagers and parents of teenagers listening, this episode will give you everything you need to make yourself, or your child, financially successful, straight out of high school. Most parents think that a strong financial foundation is built through allowances, debit cards, and making their child get an after-school job. While none of that is bad advice, it doesn’t leave the teenager with a sense of financial security or knowledge of how to manage money.

Thankfully, the Sheek Freak himself, Dan Sheeks, is back on the show to give his “ultimate teen money hack for parents.” This strategy has been built through years of teaching children how to manage and make money and is one of the easiest ways to get teens on the correct financial path. This isn’t an overcomplicated strategy, but it will take some buy-in from your teen. What they’ll get out of it is far more independence, responsibility, and the ability to save and invest for a better future.

But Dan isn’t the only guest on today’s episode! We also have Carl Jensen and Claire Jensen joining us! Claire is fifteen years old, putting her in the perfect position to take ownership of her finances. She also asks some insightful questions your teen might ask when you try out this strategy. Thankfully, Claire is a fan of Dan's system, and she encourages all the parents (and teens) out there to try it too!




In This Episode We Cover

The “ultimate teen money hack” every parent should try with their high-schooler

Teen debit cards, credit cards, and building up basic frugality

Teaching your teen to “pay yourself first” through strategic spending and investing

Letting your child make mistakes now, so they don’t make life-long mistakes later

The perfect age to implement this strategy and when it matters most

Common questions your teen may ask and getting them excited about money management

And So Much More!




Links from the Show

BiggerPockets Money Facebook Group

BiggerPockets Forums

Finance Review Guest Onboarding

Mindy's Twitter

Listen to All Your Favorite BiggerPockets Podcasts in One Place

Apply to Be a Guest on The Money Show

Podcast Talent Search!

Subscribe to The “On The Market” YouTube Channel

Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets

Check Out Mindy’s 2022 Live Spending Tracker and Budget

Mile High FI Podcast

1,500 Days to Freedom

Escaping The Rat Race Before Your First Job w/ Dan Sheeks




Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Check out our sponsor page!]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[You’ve heard of money hacks before, but probably not like this. For the teenagers and parents of teenagers listening, this episode will give you everything you need to make yourself, or your child, financially successful, straight out of high school. Most parents think that a strong financial foundation is built through allowances, debit cards, and making their child get an after-school job. While none of that is bad advice, it doesn’t leave the teenager with a sense of financial security or knowledge of how to manage money.

Thankfully, the Sheek Freak himself, Dan Sheeks, is back on the show to give his “ultimate teen money hack for parents.” This strategy has been built through years of teaching children how to manage and make money and is one of the easiest ways to get teens on the correct financial path. This isn’t an overcomplicated strategy, but it will take some buy-in from your teen. What they’ll get out of it is far more independence, responsibility, and the ability to save ]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>329: From Extreme Poverty to DIY Wealth and 2 Full-Time Incomes w/The She Wolfe of Wall Street</title>
	<link>https://biggerpocketsmoney.com/podcast/329-from-extreme-poverty-to-diy-wealth-and-2-full-time-incomes-w-the-she-wolfe-of-wall-street/</link>
	<pubDate>Mon, 22 Aug 2022 06:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">gid://art19-episode-locator/V0/9HsLHs_GawA5h6qkTYOg4vMJ7VtZ1c4P5B43FGVBxwQ</guid>
	<description><![CDATA[Wealth-building isn’t a pre-formulated path for most people. For those raised in poverty, the thought of financial stability seems like a far-out dream. Achieving financial independence or early retirement basically becomes an afterthought, or a fantasy only someone else could achieve. Without basic financial literacy and education, you could spend life aimlessly wandering without saving, investing, or thinking about a more promising financial future.

But Amanda “She Wolfe of Wall Street” Wolfe did the opposite of that. Amanda was raised in extreme poverty, going long stretches of time without food, clean clothes, a shower, or school supplies. From a young age, she knew that most of her problems stemmed from a lack of money. The best way to solve that? Go to school, work hard, and make more money, so she could never feel poor again.

But, when Amanda started bringing in a full-time income, her so-called “savings plan” went out the window. Set on not making the same mistakes as her parents, she revamped and reverse engineered her spending to match her savings and investing goals. She did this purely through DIY financial literacy and tenaciously asking questions. It paid off, and now she boasts a social media following of over 100,000, with two full-time incomes and a large reserve of retirement savings to boot!




In This Episode We Cover

Escaping childhood poverty through basic financial education

DIY financial literacy by asking questions others are too intimidated to

401ks, Roth IRAs, HSAs, and other tax-advantaged investing accounts

Tweaking your “money mindset” to place yourself on the path to building wealth

Amanda’s biggest financial mistake that, once corrected, increased her income two-fold

Building your emergency reserves and using them to catapult your investments

And So Much More!




Links from the Show

BiggerPockets Money Facebook Group

BiggerPockets Forums

Finance Review Guest Onboarding

Scott's Instagram

Mindy's Twitter

Listen to All Your Favorite BiggerPockets Podcasts in One Place

Apply to Be a Guest on The Money Show

Podcast Talent Search!

Subscribe to The “On The Market” YouTube Channel

Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets

Check Out Mindy’s 2022 Live Spending Tracker and Budget

XY Planning Advisor

Fidelity Investments

She Wolf of Wall Street Website




Click here to check the full show notes: https://www.biggerpockets.com/blog/money-329




Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Check out our sponsor page!]]></description>
	<itunes:subtitle><![CDATA[Wealth-building isn’t a pre-formulated path for most people. For those raised in poverty, the thought of financial stability seems like a far-out dream. Achieving financial independence or early retirement basically becomes an afterthought, or a fantasy ]]></itunes:subtitle>
	<content:encoded><![CDATA[Wealth-building isn’t a pre-formulated path for most people. For those raised in poverty, the thought of financial stability seems like a far-out dream. Achieving financial independence or early retirement basically becomes an afterthought, or a fantasy only someone else could achieve. Without basic financial literacy and education, you could spend life aimlessly wandering without saving, investing, or thinking about a more promising financial future.

But Amanda “She Wolfe of Wall Street” Wolfe did the opposite of that. Amanda was raised in extreme poverty, going long stretches of time without food, clean clothes, a shower, or school supplies. From a young age, she knew that most of her problems stemmed from a lack of money. The best way to solve that? Go to school, work hard, and make more money, so she could never feel poor again.

But, when Amanda started bringing in a full-time income, her so-called “savings plan” went out the window. Set on not making the same mistakes as her parents, she revamped and reverse engineered her spending to match her savings and investing goals. She did this purely through DIY financial literacy and tenaciously asking questions. It paid off, and now she boasts a social media following of over 100,000, with two full-time incomes and a large reserve of retirement savings to boot!




In This Episode We Cover

Escaping childhood poverty through basic financial education

DIY financial literacy by asking questions others are too intimidated to

401ks, Roth IRAs, HSAs, and other tax-advantaged investing accounts

Tweaking your “money mindset” to place yourself on the path to building wealth

Amanda’s biggest financial mistake that, once corrected, increased her income two-fold

Building your emergency reserves and using them to catapult your investments

And So Much More!




Links from the Show

BiggerPockets Money Facebook Group

BiggerPockets Forums

Finance Review Guest Onboarding

Scott's Instagram

Mindy's Twitter

Listen to All Your Favorite BiggerPockets Podcasts in One Place

Apply to Be a Guest on The Money Show

Podcast Talent Search!

Subscribe to The “On The Market” YouTube Channel

Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets

Check Out Mindy’s 2022 Live Spending Tracker and Budget

XY Planning Advisor

Fidelity Investments

She Wolf of Wall Street Website




Click here to check the full show notes: https://www.biggerpockets.com/blog/money-329




Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Check out our sponsor page!]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC6537462846.mp3" length="67432786" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[Wealth-building isn’t a pre-formulated path for most people. For those raised in poverty, the thought of financial stability seems like a far-out dream. Achieving financial independence or early retirement basically becomes an afterthought, or a fantasy only someone else could achieve. Without basic financial literacy and education, you could spend life aimlessly wandering without saving, investing, or thinking about a more promising financial future.

But Amanda “She Wolfe of Wall Street” Wolfe did the opposite of that. Amanda was raised in extreme poverty, going long stretches of time without food, clean clothes, a shower, or school supplies. From a young age, she knew that most of her problems stemmed from a lack of money. The best way to solve that? Go to school, work hard, and make more money, so she could never feel poor again.

But, when Amanda started bringing in a full-time income, her so-called “savings plan” went out the window. Set on not making the same mistakes as her parents, she revamped and reverse engineered her spending to match her savings and investing goals. She did this purely through DIY financial literacy and tenaciously asking questions. It paid off, and now she boasts a social media following of over 100,000, with two full-time incomes and a large reserve of retirement savings to boot!




In This Episode We Cover

Escaping childhood poverty through basic financial education

DIY financial literacy by asking questions others are too intimidated to

401ks, Roth IRAs, HSAs, and other tax-advantaged investing accounts

Tweaking your “money mindset” to place yourself on the path to building wealth

Amanda’s biggest financial mistake that, once corrected, increased her income two-fold

Building your emergency reserves and using them to catapult your investments

And So Much More!




Links from the Show

BiggerPockets Money Facebook Group

BiggerPockets Forums

Finance Review Guest Onboarding

Scott's Instagram

Mindy's Twitter

Listen to All Your Favorite BiggerPockets Podcasts in One Place

Apply to Be a Guest on The Money Show

Podcast Talent Search!

Subscribe to The “On The Market” YouTube Channel

Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets

Check Out Mindy’s 2022 Live Spending Tracker and Budget

XY Planning Advisor

Fidelity Investments

She Wolf of Wall Street Website




Click here to check the full show notes: https://www.biggerpockets.com/blog/money-329




Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Check out our sponsor page!]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[Wealth-building isn’t a pre-formulated path for most people. For those raised in poverty, the thought of financial stability seems like a far-out dream. Achieving financial independence or early retirement basically becomes an afterthought, or a fantasy only someone else could achieve. Without basic financial literacy and education, you could spend life aimlessly wandering without saving, investing, or thinking about a more promising financial future.

But Amanda “She Wolfe of Wall Street” Wolfe did the opposite of that. Amanda was raised in extreme poverty, going long stretches of time without food, clean clothes, a shower, or school supplies. From a young age, she knew that most of her problems stemmed from a lack of money. The best way to solve that? Go to school, work hard, and make more money, so she could never feel poor again.

But, when Amanda started bringing in a full-time income, her so-called “savings plan” went out the window. Set on not making the same mistakes as her pa]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>328: The Best Alternative Investment No One Knows About w/Alex Breshears and Beth Johnson</title>
	<link>https://biggerpocketsmoney.com/podcast/328-the-best-alternative-investment-no-one-knows-about-w-alex-breshears-and-beth-johnson/</link>
	<pubDate>Fri, 19 Aug 2022 06:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">gid://art19-episode-locator/V0/B3QyPfmOCZNuxtKkiNYYTB__KHQ9tx26ZhrHBE7jBcc</guid>
	<description><![CDATA[For average investors, private money lending has been mentally squared away as “something mega-wealthy people do.” Most investors will write off lending money because they think they lack the experience or funds to do a successful deal. But what if we told you private money lending requires less money than you thought, that it’s almost completely passive, and that today’s high-interest-rate environment may be the perfect time to start?

Alex Breshears and Beth Johnson are graciously coming in as our private money messiahs, teaching us all how easy (and lucrative) it is to be a private money lender. They’ve been lending for years, not only to supplement their real estate portfolios but often to outright replace them. Private money is far more passive and flexible than performing a flip or BRRRR yourself, and almost anyone (and yes, we mean anyone) can do it in one way or another. It’s such a good way to make more money that Alex and Beth wrote the new BiggerPockets book, Lend to Live, on this exact subject.

But before you print off business cards that say “private money expert” under your name, listen to what Alex and Beth have to say. They drop some valuable gems on who should (and shouldn’t) be a private money lender, how to protect yourself when you lend, points, rates, and fees you can charge, and building a pool of borrowers you can trust. If you’re anything like Scott and Mindy, then there’s a good chance you’ll walk away from this episode far more interested in private money than before!




In This Episode We Cover

How any investor can become a private money lender and build a pool of borrowers

Why 2022 presents an interesting opportunity for new private money lenders 

Points, rates, laws, and setting up your private money structure

Building the perfect private money team that can protect you on any deal

The insane returns lenders get when doing different types of deals

Betting on the “jockey” vs. the "horse” when vetting a potential borrower

Private lending red flags that new lenders can easily fall prey to

And So Much More!




Links from the Show

BiggerPockets Money Facebook Group

BiggerPockets Forums

Finance Review Guest Onboarding

Scott's Instagram

Mindy's Twitter

Listen to All Your Favorite BiggerPockets Podcasts in One Place

Apply to Be a Guest on The Money Show

Podcast Talent Search!

Subscribe to The “On The Market” YouTube Channel

Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets

Check Out Mindy’s 2022 Live Spending Tracker and Budget

Loans Gone Wild: Turning a Private Loan Into a Profitable Flip After Foreclosure

Private Money: What the Experts Warn Against Before You Lend (Or Borrow!)




Click here to check the full show notes: https://www.biggerpockets.com/blog/money-328




Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Check out our sponsor page!]]></description>
	<itunes:subtitle><![CDATA[For average investors, private money lending has been mentally squared away as “something mega-wealthy people do.” Most investors will write off lending money because they think they lack the experience or funds to do a successful deal. But what if we to]]></itunes:subtitle>
	<content:encoded><![CDATA[For average investors, private money lending has been mentally squared away as “something mega-wealthy people do.” Most investors will write off lending money because they think they lack the experience or funds to do a successful deal. But what if we told you private money lending requires less money than you thought, that it’s almost completely passive, and that today’s high-interest-rate environment may be the perfect time to start?

Alex Breshears and Beth Johnson are graciously coming in as our private money messiahs, teaching us all how easy (and lucrative) it is to be a private money lender. They’ve been lending for years, not only to supplement their real estate portfolios but often to outright replace them. Private money is far more passive and flexible than performing a flip or BRRRR yourself, and almost anyone (and yes, we mean anyone) can do it in one way or another. It’s such a good way to make more money that Alex and Beth wrote the new BiggerPockets book, Lend to Live, on this exact subject.

But before you print off business cards that say “private money expert” under your name, listen to what Alex and Beth have to say. They drop some valuable gems on who should (and shouldn’t) be a private money lender, how to protect yourself when you lend, points, rates, and fees you can charge, and building a pool of borrowers you can trust. If you’re anything like Scott and Mindy, then there’s a good chance you’ll walk away from this episode far more interested in private money than before!




In This Episode We Cover

How any investor can become a private money lender and build a pool of borrowers

Why 2022 presents an interesting opportunity for new private money lenders 

Points, rates, laws, and setting up your private money structure

Building the perfect private money team that can protect you on any deal

The insane returns lenders get when doing different types of deals

Betting on the “jockey” vs. the "horse” when vetting a potential borrower

Private lending red flags that new lenders can easily fall prey to

And So Much More!




Links from the Show

BiggerPockets Money Facebook Group

BiggerPockets Forums

Finance Review Guest Onboarding

Scott's Instagram

Mindy's Twitter

Listen to All Your Favorite BiggerPockets Podcasts in One Place

Apply to Be a Guest on The Money Show

Podcast Talent Search!

Subscribe to The “On The Market” YouTube Channel

Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets

Check Out Mindy’s 2022 Live Spending Tracker and Budget

Loans Gone Wild: Turning a Private Loan Into a Profitable Flip After Foreclosure

Private Money: What the Experts Warn Against Before You Lend (Or Borrow!)




Click here to check the full show notes: https://www.biggerpockets.com/blog/money-328




Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Check out our sponsor page!]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC1762513762.mp3" length="103908611" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[For average investors, private money lending has been mentally squared away as “something mega-wealthy people do.” Most investors will write off lending money because they think they lack the experience or funds to do a successful deal. But what if we told you private money lending requires less money than you thought, that it’s almost completely passive, and that today’s high-interest-rate environment may be the perfect time to start?

Alex Breshears and Beth Johnson are graciously coming in as our private money messiahs, teaching us all how easy (and lucrative) it is to be a private money lender. They’ve been lending for years, not only to supplement their real estate portfolios but often to outright replace them. Private money is far more passive and flexible than performing a flip or BRRRR yourself, and almost anyone (and yes, we mean anyone) can do it in one way or another. It’s such a good way to make more money that Alex and Beth wrote the new BiggerPockets book, Lend to Live, on this exact subject.

But before you print off business cards that say “private money expert” under your name, listen to what Alex and Beth have to say. They drop some valuable gems on who should (and shouldn’t) be a private money lender, how to protect yourself when you lend, points, rates, and fees you can charge, and building a pool of borrowers you can trust. If you’re anything like Scott and Mindy, then there’s a good chance you’ll walk away from this episode far more interested in private money than before!




In This Episode We Cover

How any investor can become a private money lender and build a pool of borrowers

Why 2022 presents an interesting opportunity for new private money lenders 

Points, rates, laws, and setting up your private money structure

Building the perfect private money team that can protect you on any deal

The insane returns lenders get when doing different types of deals

Betting on the “jockey” vs. the "horse” when vetting a potential borrower

Private lending red flags that new lenders can easily fall prey to

And So Much More!




Links from the Show

BiggerPockets Money Facebook Group

BiggerPockets Forums

Finance Review Guest Onboarding

Scott's Instagram

Mindy's Twitter

Listen to All Your Favorite BiggerPockets Podcasts in One Place

Apply to Be a Guest on The Money Show

Podcast Talent Search!

Subscribe to The “On The Market” YouTube Channel

Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets

Check Out Mindy’s 2022 Live Spending Tracker and Budget

Loans Gone Wild: Turning a Private Loan Into a Profitable Flip After Foreclosure

Private Money: What the Experts Warn Against Before You Lend (Or Borrow!)




Click here to check the full show notes: https://www.biggerpockets.com/blog/money-328




Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Check out our sponsor page!]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[For average investors, private money lending has been mentally squared away as “something mega-wealthy people do.” Most investors will write off lending money because they think they lack the experience or funds to do a successful deal. But what if we told you private money lending requires less money than you thought, that it’s almost completely passive, and that today’s high-interest-rate environment may be the perfect time to start?

Alex Breshears and Beth Johnson are graciously coming in as our private money messiahs, teaching us all how easy (and lucrative) it is to be a private money lender. They’ve been lending for years, not only to supplement their real estate portfolios but often to outright replace them. Private money is far more passive and flexible than performing a flip or BRRRR yourself, and almost anyone (and yes, we mean anyone) can do it in one way or another. It’s such a good way to make more money that Alex and Beth wrote the new BiggerPockets book, Lend to Live, ]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>327: Why the Stock Market Should NOT Scare You (Even As It Crashes) w/Brian Feroldi</title>
	<link>https://biggerpocketsmoney.com/podcast/327-why-the-stock-market-should-not-scare-you-even-as-it-crashes-w-brian-feroldi/</link>
	<pubDate>Mon, 15 Aug 2022 06:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">gid://art19-episode-locator/V0/BD-mADwVh36ORk-jahxYFDBFdE71mTl4I_BSZ-Edqkw</guid>
	<description><![CDATA[A stock market crash looks like bad news. The world is ending and everything is down. There won’t be any more profits to take…until the stock market gets back on track, which it always does. We’re not kidding—take a look at the past hundred years of total stock market performance and you’ll see something not-so-shocking. The stock market always finds a way to head back up, even after massive crashes like the great depression and great recession.

You don't need to trust David and Mindy on this, instead, trust a stock investing expert like Brian Feroldi. Brian wrote the book on why the stock market always goes up, appropriately titled, Why Does The Stock Market Go Up?: Everything You Should Have Been Taught About Investing In School, But Weren't. Brian uses this book to educate, inform, and enhance investors’ abilities to invest without stress, headache, or anxiety about future prices.

In this episode, Brian demystifies the calculations behind investing in the stock market. From price to earnings ratios to company valuations, and why individual stock picking only makes sense if you’re the right type of person. He also hints at a “multimillion-dollar mistake” some investors are making when investing for retirement. Simply hearing his warning could save you millions of dollars in the future!




In This Episode We Cover

Why stock market crashes shouldn’t scare the average investor

What causes the stock market to go up in the long-term, even with short-term dips

Price to earnings ratios explained and using them to value companies before you buy

How long you should hold stocks and why consistent trading could cost you more than you think

The 4% rule and how the gold standard of retirement calculations is holding up in 2022

Avoiding the “multimillion-dollar mistake” many investors are making

And So Much More!




Links from the Show

BiggerPockets Money Facebook Group

BiggerPockets Forums

Finance Review Guest Onboarding

Mindy's Twitter

David on BiggerPockets

David’s Site From Military to Millionaire

Listen to All Your Favorite BiggerPockets Podcasts in One Place

Apply to Be a Guest on The Money Show

Podcast Talent Search!

Subscribe to The “On The Market” YouTube Channel

Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets

Check Out Mindy’s 2022 Live Spending Tracker and Budget

Why You’re (Probably) Wrong About Prenups




Click here to check the full show notes: https://www.biggerpockets.com/blog/money-327




Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Check out our sponsor page!]]></description>
	<itunes:subtitle><![CDATA[A stock market crash looks like bad news. The world is ending and everything is down. There won’t be any more profits to take…until the stock market gets back on track, which it always does. We’re not kidding—take a look at the past hundred years of tota]]></itunes:subtitle>
	<content:encoded><![CDATA[A stock market crash looks like bad news. The world is ending and everything is down. There won’t be any more profits to take…until the stock market gets back on track, which it always does. We’re not kidding—take a look at the past hundred years of total stock market performance and you’ll see something not-so-shocking. The stock market always finds a way to head back up, even after massive crashes like the great depression and great recession.

You don't need to trust David and Mindy on this, instead, trust a stock investing expert like Brian Feroldi. Brian wrote the book on why the stock market always goes up, appropriately titled, Why Does The Stock Market Go Up?: Everything You Should Have Been Taught About Investing In School, But Weren't. Brian uses this book to educate, inform, and enhance investors’ abilities to invest without stress, headache, or anxiety about future prices.

In this episode, Brian demystifies the calculations behind investing in the stock market. From price to earnings ratios to company valuations, and why individual stock picking only makes sense if you’re the right type of person. He also hints at a “multimillion-dollar mistake” some investors are making when investing for retirement. Simply hearing his warning could save you millions of dollars in the future!




In This Episode We Cover

Why stock market crashes shouldn’t scare the average investor

What causes the stock market to go up in the long-term, even with short-term dips

Price to earnings ratios explained and using them to value companies before you buy

How long you should hold stocks and why consistent trading could cost you more than you think

The 4% rule and how the gold standard of retirement calculations is holding up in 2022

Avoiding the “multimillion-dollar mistake” many investors are making

And So Much More!




Links from the Show

BiggerPockets Money Facebook Group

BiggerPockets Forums

Finance Review Guest Onboarding

Mindy's Twitter

David on BiggerPockets

David’s Site From Military to Millionaire

Listen to All Your Favorite BiggerPockets Podcasts in One Place

Apply to Be a Guest on The Money Show

Podcast Talent Search!

Subscribe to The “On The Market” YouTube Channel

Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets

Check Out Mindy’s 2022 Live Spending Tracker and Budget

Why You’re (Probably) Wrong About Prenups




Click here to check the full show notes: https://www.biggerpockets.com/blog/money-327




Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Check out our sponsor page!]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC3492907499.mp3" length="51708718" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[A stock market crash looks like bad news. The world is ending and everything is down. There won’t be any more profits to take…until the stock market gets back on track, which it always does. We’re not kidding—take a look at the past hundred years of total stock market performance and you’ll see something not-so-shocking. The stock market always finds a way to head back up, even after massive crashes like the great depression and great recession.

You don't need to trust David and Mindy on this, instead, trust a stock investing expert like Brian Feroldi. Brian wrote the book on why the stock market always goes up, appropriately titled, Why Does The Stock Market Go Up?: Everything You Should Have Been Taught About Investing In School, But Weren't. Brian uses this book to educate, inform, and enhance investors’ abilities to invest without stress, headache, or anxiety about future prices.

In this episode, Brian demystifies the calculations behind investing in the stock market. From price to earnings ratios to company valuations, and why individual stock picking only makes sense if you’re the right type of person. He also hints at a “multimillion-dollar mistake” some investors are making when investing for retirement. Simply hearing his warning could save you millions of dollars in the future!




In This Episode We Cover

Why stock market crashes shouldn’t scare the average investor

What causes the stock market to go up in the long-term, even with short-term dips

Price to earnings ratios explained and using them to value companies before you buy

How long you should hold stocks and why consistent trading could cost you more than you think

The 4% rule and how the gold standard of retirement calculations is holding up in 2022

Avoiding the “multimillion-dollar mistake” many investors are making

And So Much More!




Links from the Show

BiggerPockets Money Facebook Group

BiggerPockets Forums

Finance Review Guest Onboarding

Mindy's Twitter

David on BiggerPockets

David’s Site From Military to Millionaire

Listen to All Your Favorite BiggerPockets Podcasts in One Place

Apply to Be a Guest on The Money Show

Podcast Talent Search!

Subscribe to The “On The Market” YouTube Channel

Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets

Check Out Mindy’s 2022 Live Spending Tracker and Budget

Why You’re (Probably) Wrong About Prenups




Click here to check the full show notes: https://www.biggerpockets.com/blog/money-327




Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Check out our sponsor page!]]></itunes:summary>
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	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[A stock market crash looks like bad news. The world is ending and everything is down. There won’t be any more profits to take…until the stock market gets back on track, which it always does. We’re not kidding—take a look at the past hundred years of total stock market performance and you’ll see something not-so-shocking. The stock market always finds a way to head back up, even after massive crashes like the great depression and great recession.

You don't need to trust David and Mindy on this, instead, trust a stock investing expert like Brian Feroldi. Brian wrote the book on why the stock market always goes up, appropriately titled, Why Does The Stock Market Go Up?: Everything You Should Have Been Taught About Investing In School, But Weren't. Brian uses this book to educate, inform, and enhance investors’ abilities to invest without stress, headache, or anxiety about future prices.

In this episode, Brian demystifies the calculations behind investing in the stock market. From price]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>326: Finance Friday: Still Feeling &#8220;Money Anxious&#8221; After Hitting FI</title>
	<link>https://biggerpocketsmoney.com/podcast/326-finance-friday-still-feeling-money-anxious-after-hitting-fi/</link>
	<pubDate>Fri, 12 Aug 2022 06:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">gid://art19-episode-locator/V0/gKMmyOZ8gpjxK8WKceE6CT2XhLxrtOkmqmyeAr6eIKM</guid>
	<description><![CDATA[The path to financial freedom is different for everyone. Some invest in stocks, others flip houses, but one couple breeds rats, trains horses, and buys rentals in cash. Before you get squeamish, this isn’t a show about flipping rats for profit. But, it is a show about horse training, unique investments, and how to ease off the gas when building wealth. Even if you’re far from your FI number, thinking about this concept will help you tremendously once you’ve retired.

Alexis and Max have an interesting situation, and they aren’t your everyday workers. Both of them work out in the field, up against the elements, making some serious money to help train horses. Max was a self-taught trainer who built an impressive resume while only in his teenage years. He has a passion for finding, training, and flipping horses that will one day be champions. This is his life’s work and it’s allowed him to charge a pretty hefty price tag.

But, the couple hasn’t just been investing in horses. They also have nine paid-off rental properties, subsidizing the entirety of their monthly spending. But, even with their high net worth, they’re struggling to feel comfortable with their financial situation. They’d like to buy a house of their own, take a break from work, and allow themselves more time freedom. But do they really need more money, or do they simply need to rethink their already solid situation?




In This Episode We Cover

Flipping horses and the astounding money this unique investment can make

Rental property investing and why being debt-free isn’t such a bad thing

Sheltering business taxes so you can keep more income at the end of the year

When to use leverage to buy real estate vs. buying rentals in cash

What to do with your “lazy money” even if you’ve already hit financial freedom

Getting clear on your financial goals so you can work less and enjoy your wealth

And So Much More!




Links from the Show

BiggerPockets Money Facebook Group

BiggerPockets Forums

Finance Review Guest Onboarding

Scott's Instagram

Mindy's Twitter

Listen to All Your Favorite BiggerPockets Podcasts in One Place

Apply to Be a Guest on The Money Show

Podcast Talent Search!

Subscribe to The “On The Market” YouTube Channel

Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets

Check Out Mindy’s 2022 Live Spending Tracker and Budget

The “Deathbed Toolkit” That Makes Building Wealth Much More Enjoyable

Finance Friday: How to Avoid the “Middle Class Trap” When Building Wealth

How to Find the Best Possible Certified Financial Planner (CFP) for Your Needs with Kyle Mast

Episode 200 Special: A Personal Finance Masterclass with Kyle Mast

XY Planning Advisor




Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Check out our sponsor page!




Click here to check the full show notes: https://www.biggerpockets.com/blog/money-326]]></description>
	<itunes:subtitle><![CDATA[The path to financial freedom is different for everyone. Some invest in stocks, others flip houses, but one couple breeds rats, trains horses, and buys rentals in cash. Before you get squeamish, this isn’t a show about flipping rats for profit. But, it i]]></itunes:subtitle>
	<content:encoded><![CDATA[The path to financial freedom is different for everyone. Some invest in stocks, others flip houses, but one couple breeds rats, trains horses, and buys rentals in cash. Before you get squeamish, this isn’t a show about flipping rats for profit. But, it is a show about horse training, unique investments, and how to ease off the gas when building wealth. Even if you’re far from your FI number, thinking about this concept will help you tremendously once you’ve retired.

Alexis and Max have an interesting situation, and they aren’t your everyday workers. Both of them work out in the field, up against the elements, making some serious money to help train horses. Max was a self-taught trainer who built an impressive resume while only in his teenage years. He has a passion for finding, training, and flipping horses that will one day be champions. This is his life’s work and it’s allowed him to charge a pretty hefty price tag.

But, the couple hasn’t just been investing in horses. They also have nine paid-off rental properties, subsidizing the entirety of their monthly spending. But, even with their high net worth, they’re struggling to feel comfortable with their financial situation. They’d like to buy a house of their own, take a break from work, and allow themselves more time freedom. But do they really need more money, or do they simply need to rethink their already solid situation?




In This Episode We Cover

Flipping horses and the astounding money this unique investment can make

Rental property investing and why being debt-free isn’t such a bad thing

Sheltering business taxes so you can keep more income at the end of the year

When to use leverage to buy real estate vs. buying rentals in cash

What to do with your “lazy money” even if you’ve already hit financial freedom

Getting clear on your financial goals so you can work less and enjoy your wealth

And So Much More!




Links from the Show

BiggerPockets Money Facebook Group

BiggerPockets Forums

Finance Review Guest Onboarding

Scott's Instagram

Mindy's Twitter

Listen to All Your Favorite BiggerPockets Podcasts in One Place

Apply to Be a Guest on The Money Show

Podcast Talent Search!

Subscribe to The “On The Market” YouTube Channel

Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets

Check Out Mindy’s 2022 Live Spending Tracker and Budget

The “Deathbed Toolkit” That Makes Building Wealth Much More Enjoyable

Finance Friday: How to Avoid the “Middle Class Trap” When Building Wealth

How to Find the Best Possible Certified Financial Planner (CFP) for Your Needs with Kyle Mast

Episode 200 Special: A Personal Finance Masterclass with Kyle Mast

XY Planning Advisor




Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Check out our sponsor page!




Click here to check the full show notes: https://www.biggerpockets.com/blog/money-326]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC4781791092.mp3" length="65331725" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[The path to financial freedom is different for everyone. Some invest in stocks, others flip houses, but one couple breeds rats, trains horses, and buys rentals in cash. Before you get squeamish, this isn’t a show about flipping rats for profit. But, it is a show about horse training, unique investments, and how to ease off the gas when building wealth. Even if you’re far from your FI number, thinking about this concept will help you tremendously once you’ve retired.

Alexis and Max have an interesting situation, and they aren’t your everyday workers. Both of them work out in the field, up against the elements, making some serious money to help train horses. Max was a self-taught trainer who built an impressive resume while only in his teenage years. He has a passion for finding, training, and flipping horses that will one day be champions. This is his life’s work and it’s allowed him to charge a pretty hefty price tag.

But, the couple hasn’t just been investing in horses. They also have nine paid-off rental properties, subsidizing the entirety of their monthly spending. But, even with their high net worth, they’re struggling to feel comfortable with their financial situation. They’d like to buy a house of their own, take a break from work, and allow themselves more time freedom. But do they really need more money, or do they simply need to rethink their already solid situation?




In This Episode We Cover

Flipping horses and the astounding money this unique investment can make

Rental property investing and why being debt-free isn’t such a bad thing

Sheltering business taxes so you can keep more income at the end of the year

When to use leverage to buy real estate vs. buying rentals in cash

What to do with your “lazy money” even if you’ve already hit financial freedom

Getting clear on your financial goals so you can work less and enjoy your wealth

And So Much More!




Links from the Show

BiggerPockets Money Facebook Group

BiggerPockets Forums

Finance Review Guest Onboarding

Scott's Instagram

Mindy's Twitter

Listen to All Your Favorite BiggerPockets Podcasts in One Place

Apply to Be a Guest on The Money Show

Podcast Talent Search!

Subscribe to The “On The Market” YouTube Channel

Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets

Check Out Mindy’s 2022 Live Spending Tracker and Budget

The “Deathbed Toolkit” That Makes Building Wealth Much More Enjoyable

Finance Friday: How to Avoid the “Middle Class Trap” When Building Wealth

How to Find the Best Possible Certified Financial Planner (CFP) for Your Needs with Kyle Mast

Episode 200 Special: A Personal Finance Masterclass with Kyle Mast

XY Planning Advisor




Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Check out our sponsor page!




Click here to check the full show notes: https://www.biggerpockets.com/blog/money-326]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
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	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[The path to financial freedom is different for everyone. Some invest in stocks, others flip houses, but one couple breeds rats, trains horses, and buys rentals in cash. Before you get squeamish, this isn’t a show about flipping rats for profit. But, it is a show about horse training, unique investments, and how to ease off the gas when building wealth. Even if you’re far from your FI number, thinking about this concept will help you tremendously once you’ve retired.

Alexis and Max have an interesting situation, and they aren’t your everyday workers. Both of them work out in the field, up against the elements, making some serious money to help train horses. Max was a self-taught trainer who built an impressive resume while only in his teenage years. He has a passion for finding, training, and flipping horses that will one day be champions. This is his life’s work and it’s allowed him to charge a pretty hefty price tag.

But, the couple hasn’t just been investing in horses. They also h]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>325: How to Buy Yourself a 6-Figure Income Stream</title>
	<link>https://biggerpocketsmoney.com/podcast/325-how-to-buy-yourself-a-6-figure-income-stream/</link>
	<pubDate>Mon, 08 Aug 2022 06:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">gid://art19-episode-locator/V0/fbmGInHXQ1Cys30RalK4Wk2dfNluv5GtDP0rgxN3T9k</guid>
	<description><![CDATA[Buying a business may sound out of your element. Stocks are one thing, and real estate is another, but what about buying businesses? Isn’t business buying something reserved for large companies, wealthy entrepreneurs, or seriously experienced store owners? Funnily enough, the business of buying businesses may be one of the most overlooked, yet most profitable ways to make more money, work less, and retire richer. Don’t believe us? Just listen to Tim Delaney.

Tim did not take the standard wealth-building route. He was making just over $2,000 per year while working in the Peace Corps after college. From there, he was hired on by other non-profits when the opportunity to buy a business fell into his lap. It didn’t require a ton of money, but it did require some sweat equity and a fair amount of time. While he didn’t end up taking the first opportunity that came his way, he did end up buying a business shortly after. And if you like hops-laden libations as much as Mindy and Scott, you’ll love hearing about Tim’s business.

Tim invested in a local liquor store that had almost zero technological improvements. No point of sale system, no running inventory, and a cash register that was appropriate for the 1950s, not the 2010s. Tim saw an opportunity, and with the right upgrades, he was able to turn this into a full-fledged business with multiple employees, hundreds of thousands in profit, and the best part of all, a 10-hour per week work schedule for Tim. Today you’ll hear exactly how Tim did it, how much money it took, and how you can repeat the process.




In This Episode We Cover

Living frugally even when making very little and how your savings can catapult your wealth

How to buy a business and what it takes to turn an outdated trade around

What types of opportunities to look for when shopping for a business to buy

SBA loans, seller financing, and how to finance a small business with very little down

Hiring, firing, and how to keep a passionate staff paid and happy with work

Commercial real estate investing and turning profits into property

And So Much More!




Links from the Show

BiggerPockets Money Facebook Group

BiggerPockets Forums

Finance Review Guest Onboarding

Scott's Instagram

Mindy's Twitter

Listen to All Your Favorite BiggerPockets Podcasts in One Place

Apply to Be a Guest on The Money Show

Podcast Talent Search!

Subscribe to The “On The Market” YouTube Channel

Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets

Check Out Mindy’s 2022 Live Spending Tracker and Budget

Business Analyzer Spreadsheet

Alternative Investments: How to Determine Which Option(s) Are Right For You

Click here to check the full show notes: https://www.biggerpockets.com/blog/money-325




Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Check out our sponsor page!]]></description>
	<itunes:subtitle><![CDATA[Buying a business may sound out of your element. Stocks are one thing, and real estate is another, but what about buying businesses? Isn’t business buying something reserved for large companies, wealthy entrepreneurs, or seriously experienced store owner]]></itunes:subtitle>
	<content:encoded><![CDATA[Buying a business may sound out of your element. Stocks are one thing, and real estate is another, but what about buying businesses? Isn’t business buying something reserved for large companies, wealthy entrepreneurs, or seriously experienced store owners? Funnily enough, the business of buying businesses may be one of the most overlooked, yet most profitable ways to make more money, work less, and retire richer. Don’t believe us? Just listen to Tim Delaney.

Tim did not take the standard wealth-building route. He was making just over $2,000 per year while working in the Peace Corps after college. From there, he was hired on by other non-profits when the opportunity to buy a business fell into his lap. It didn’t require a ton of money, but it did require some sweat equity and a fair amount of time. While he didn’t end up taking the first opportunity that came his way, he did end up buying a business shortly after. And if you like hops-laden libations as much as Mindy and Scott, you’ll love hearing about Tim’s business.

Tim invested in a local liquor store that had almost zero technological improvements. No point of sale system, no running inventory, and a cash register that was appropriate for the 1950s, not the 2010s. Tim saw an opportunity, and with the right upgrades, he was able to turn this into a full-fledged business with multiple employees, hundreds of thousands in profit, and the best part of all, a 10-hour per week work schedule for Tim. Today you’ll hear exactly how Tim did it, how much money it took, and how you can repeat the process.




In This Episode We Cover

Living frugally even when making very little and how your savings can catapult your wealth

How to buy a business and what it takes to turn an outdated trade around

What types of opportunities to look for when shopping for a business to buy

SBA loans, seller financing, and how to finance a small business with very little down

Hiring, firing, and how to keep a passionate staff paid and happy with work

Commercial real estate investing and turning profits into property

And So Much More!




Links from the Show

BiggerPockets Money Facebook Group

BiggerPockets Forums

Finance Review Guest Onboarding

Scott's Instagram

Mindy's Twitter

Listen to All Your Favorite BiggerPockets Podcasts in One Place

Apply to Be a Guest on The Money Show

Podcast Talent Search!

Subscribe to The “On The Market” YouTube Channel

Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets

Check Out Mindy’s 2022 Live Spending Tracker and Budget

Business Analyzer Spreadsheet

Alternative Investments: How to Determine Which Option(s) Are Right For You

Click here to check the full show notes: https://www.biggerpockets.com/blog/money-325




Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Check out our sponsor page!]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC8595766550.mp3" length="86475947" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[Buying a business may sound out of your element. Stocks are one thing, and real estate is another, but what about buying businesses? Isn’t business buying something reserved for large companies, wealthy entrepreneurs, or seriously experienced store owners? Funnily enough, the business of buying businesses may be one of the most overlooked, yet most profitable ways to make more money, work less, and retire richer. Don’t believe us? Just listen to Tim Delaney.

Tim did not take the standard wealth-building route. He was making just over $2,000 per year while working in the Peace Corps after college. From there, he was hired on by other non-profits when the opportunity to buy a business fell into his lap. It didn’t require a ton of money, but it did require some sweat equity and a fair amount of time. While he didn’t end up taking the first opportunity that came his way, he did end up buying a business shortly after. And if you like hops-laden libations as much as Mindy and Scott, you’ll love hearing about Tim’s business.

Tim invested in a local liquor store that had almost zero technological improvements. No point of sale system, no running inventory, and a cash register that was appropriate for the 1950s, not the 2010s. Tim saw an opportunity, and with the right upgrades, he was able to turn this into a full-fledged business with multiple employees, hundreds of thousands in profit, and the best part of all, a 10-hour per week work schedule for Tim. Today you’ll hear exactly how Tim did it, how much money it took, and how you can repeat the process.




In This Episode We Cover

Living frugally even when making very little and how your savings can catapult your wealth

How to buy a business and what it takes to turn an outdated trade around

What types of opportunities to look for when shopping for a business to buy

SBA loans, seller financing, and how to finance a small business with very little down

Hiring, firing, and how to keep a passionate staff paid and happy with work

Commercial real estate investing and turning profits into property

And So Much More!




Links from the Show

BiggerPockets Money Facebook Group

BiggerPockets Forums

Finance Review Guest Onboarding

Scott's Instagram

Mindy's Twitter

Listen to All Your Favorite BiggerPockets Podcasts in One Place

Apply to Be a Guest on The Money Show

Podcast Talent Search!

Subscribe to The “On The Market” YouTube Channel

Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets

Check Out Mindy’s 2022 Live Spending Tracker and Budget

Business Analyzer Spreadsheet

Alternative Investments: How to Determine Which Option(s) Are Right For You

Click here to check the full show notes: https://www.biggerpockets.com/blog/money-325




Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Check out our sponsor page!]]></itunes:summary>
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	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[Buying a business may sound out of your element. Stocks are one thing, and real estate is another, but what about buying businesses? Isn’t business buying something reserved for large companies, wealthy entrepreneurs, or seriously experienced store owners? Funnily enough, the business of buying businesses may be one of the most overlooked, yet most profitable ways to make more money, work less, and retire richer. Don’t believe us? Just listen to Tim Delaney.

Tim did not take the standard wealth-building route. He was making just over $2,000 per year while working in the Peace Corps after college. From there, he was hired on by other non-profits when the opportunity to buy a business fell into his lap. It didn’t require a ton of money, but it did require some sweat equity and a fair amount of time. While he didn’t end up taking the first opportunity that came his way, he did end up buying a business shortly after. And if you like hops-laden libations as much as Mindy and Scott, you’ll]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>324: Finance Friday: Why Even Millionaires Still Have to Budget</title>
	<link>https://biggerpocketsmoney.com/podcast/324-finance-friday-why-even-millionaires-still-have-to-budget/</link>
	<pubDate>Fri, 05 Aug 2022 06:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">gid://art19-episode-locator/V0/pX_VeVPvn7uv4ZAzLrat_eF5mG5Og9s0J95q7D1EFA8</guid>
	<description><![CDATA[What is a millionaire? By definition, someone who has a million dollars or more in net worth. But what do you think of when we say “millionaire”? Are you picturing sports cars, expensive vacations, big houses? The reality is that most millionaires are people just like you and me, living in regular homes, still attending their jobs, and trying their hardest to budget. Being a millionaire doesn’t mean you’ve “made it,” but it does mean you’re on the fast track to building wealth.

Gracie is a millionaire, but she doesn’t feel like it. When she discovered financial freedom, she set an impressive goal to hit millionaire status by the time she and her husband hit their mid-30s. They worked hard, were diligent savers, and ended up hitting that goal right on time, but it came with a lot less flexibility than they had hoped. While Gracie was able to quit her job, her husband wasn’t able to, and even as he brings in a great salary, the family still is close to breaking even every month on their budget.

But Gracie isn’t doing anything wrong. She’s got a tame budget, regularly reviews her spending, and knows that something has to change if she wants to reach the life of financial freedom she had been promised. So what should she do, change her assets, completely revamp her budget, or move to a lower cost of living area to increase her monthly cash flow? Scott and Mindy give Gracie some good advice that will most likely apply to you, even if you’re not a millionaire yet.




In This Episode We Cover

Coast FI and using it as an alternative to traditional financial independence

Budgeting, expense tracking, and knowing where your monthly income is going

Pivoting to part-time when trying to slowly leave a job you don’t love 

Increasing your “financial flexibility” without sacrificing a ton of time

Budgeting red flags and where most families fail in saving money

Whether or not being heavy in retirement funds is a wise move in early retirement 

And So Much More!




Links from the Show

BiggerPockets Money Facebook Group

BiggerPockets Forums

Finance Review Guest Onboarding

Scott's Instagram

Mindy's Twitter

Listen to All Your Favorite BiggerPockets Podcasts in One Place

Apply to Be a Guest on The Money Show

Podcast Talent Search!

Subscribe to The “On The Market” YouTube Channel

Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets

Coast FI: The Calculated Way to Retire Early WITHOUT Giving Up What You Love w/Jessica from The Fioneers

Check Out Mindy’s 2022 Live Spending Tracker and Budget

3 Degrees, Debt Free, and “Coasting” to Financial Independence

Finance Friday: How to Get to Early Retirement Even Faster




Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Check out our sponsor page!]]></description>
	<itunes:subtitle><![CDATA[What is a millionaire? By definition, someone who has a million dollars or more in net worth. But what do you think of when we say “millionaire”? Are you picturing sports cars, expensive vacations, big houses? The reality is that most millionaires are pe]]></itunes:subtitle>
	<content:encoded><![CDATA[What is a millionaire? By definition, someone who has a million dollars or more in net worth. But what do you think of when we say “millionaire”? Are you picturing sports cars, expensive vacations, big houses? The reality is that most millionaires are people just like you and me, living in regular homes, still attending their jobs, and trying their hardest to budget. Being a millionaire doesn’t mean you’ve “made it,” but it does mean you’re on the fast track to building wealth.

Gracie is a millionaire, but she doesn’t feel like it. When she discovered financial freedom, she set an impressive goal to hit millionaire status by the time she and her husband hit their mid-30s. They worked hard, were diligent savers, and ended up hitting that goal right on time, but it came with a lot less flexibility than they had hoped. While Gracie was able to quit her job, her husband wasn’t able to, and even as he brings in a great salary, the family still is close to breaking even every month on their budget.

But Gracie isn’t doing anything wrong. She’s got a tame budget, regularly reviews her spending, and knows that something has to change if she wants to reach the life of financial freedom she had been promised. So what should she do, change her assets, completely revamp her budget, or move to a lower cost of living area to increase her monthly cash flow? Scott and Mindy give Gracie some good advice that will most likely apply to you, even if you’re not a millionaire yet.




In This Episode We Cover

Coast FI and using it as an alternative to traditional financial independence

Budgeting, expense tracking, and knowing where your monthly income is going

Pivoting to part-time when trying to slowly leave a job you don’t love 

Increasing your “financial flexibility” without sacrificing a ton of time

Budgeting red flags and where most families fail in saving money

Whether or not being heavy in retirement funds is a wise move in early retirement 

And So Much More!




Links from the Show

BiggerPockets Money Facebook Group

BiggerPockets Forums

Finance Review Guest Onboarding

Scott's Instagram

Mindy's Twitter

Listen to All Your Favorite BiggerPockets Podcasts in One Place

Apply to Be a Guest on The Money Show

Podcast Talent Search!

Subscribe to The “On The Market” YouTube Channel

Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets

Coast FI: The Calculated Way to Retire Early WITHOUT Giving Up What You Love w/Jessica from The Fioneers

Check Out Mindy’s 2022 Live Spending Tracker and Budget

3 Degrees, Debt Free, and “Coasting” to Financial Independence

Finance Friday: How to Get to Early Retirement Even Faster




Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Check out our sponsor page!]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC3978419384.mp3" length="59142789" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[What is a millionaire? By definition, someone who has a million dollars or more in net worth. But what do you think of when we say “millionaire”? Are you picturing sports cars, expensive vacations, big houses? The reality is that most millionaires are people just like you and me, living in regular homes, still attending their jobs, and trying their hardest to budget. Being a millionaire doesn’t mean you’ve “made it,” but it does mean you’re on the fast track to building wealth.

Gracie is a millionaire, but she doesn’t feel like it. When she discovered financial freedom, she set an impressive goal to hit millionaire status by the time she and her husband hit their mid-30s. They worked hard, were diligent savers, and ended up hitting that goal right on time, but it came with a lot less flexibility than they had hoped. While Gracie was able to quit her job, her husband wasn’t able to, and even as he brings in a great salary, the family still is close to breaking even every month on their budget.

But Gracie isn’t doing anything wrong. She’s got a tame budget, regularly reviews her spending, and knows that something has to change if she wants to reach the life of financial freedom she had been promised. So what should she do, change her assets, completely revamp her budget, or move to a lower cost of living area to increase her monthly cash flow? Scott and Mindy give Gracie some good advice that will most likely apply to you, even if you’re not a millionaire yet.




In This Episode We Cover

Coast FI and using it as an alternative to traditional financial independence

Budgeting, expense tracking, and knowing where your monthly income is going

Pivoting to part-time when trying to slowly leave a job you don’t love 

Increasing your “financial flexibility” without sacrificing a ton of time

Budgeting red flags and where most families fail in saving money

Whether or not being heavy in retirement funds is a wise move in early retirement 

And So Much More!




Links from the Show

BiggerPockets Money Facebook Group

BiggerPockets Forums

Finance Review Guest Onboarding

Scott's Instagram

Mindy's Twitter

Listen to All Your Favorite BiggerPockets Podcasts in One Place

Apply to Be a Guest on The Money Show

Podcast Talent Search!

Subscribe to The “On The Market” YouTube Channel

Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets

Coast FI: The Calculated Way to Retire Early WITHOUT Giving Up What You Love w/Jessica from The Fioneers

Check Out Mindy’s 2022 Live Spending Tracker and Budget

3 Degrees, Debt Free, and “Coasting” to Financial Independence

Finance Friday: How to Get to Early Retirement Even Faster




Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Check out our sponsor page!]]></itunes:summary>
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	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[What is a millionaire? By definition, someone who has a million dollars or more in net worth. But what do you think of when we say “millionaire”? Are you picturing sports cars, expensive vacations, big houses? The reality is that most millionaires are people just like you and me, living in regular homes, still attending their jobs, and trying their hardest to budget. Being a millionaire doesn’t mean you’ve “made it,” but it does mean you’re on the fast track to building wealth.

Gracie is a millionaire, but she doesn’t feel like it. When she discovered financial freedom, she set an impressive goal to hit millionaire status by the time she and her husband hit their mid-30s. They worked hard, were diligent savers, and ended up hitting that goal right on time, but it came with a lot less flexibility than they had hoped. While Gracie was able to quit her job, her husband wasn’t able to, and even as he brings in a great salary, the family still is close to breaking even every month on thei]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>323: Coast FI: The Calculated Way to Retire Early WITHOUT Giving Up What You Love w/Jessica from The Fioneers</title>
	<link>https://biggerpocketsmoney.com/podcast/323-coast-fi-the-calculated-way-to-retire-early-without-giving-up-what-you-love-w-jessica-from-the-fioneers/</link>
	<pubDate>Mon, 01 Aug 2022 06:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">gid://art19-episode-locator/V0/C9KvFRGA-y3s8DC3_PDM1Oy_J7JrC_rL4WNzBmyRkvU</guid>
	<description><![CDATA[Coast FI is an interesting concept. Unfortunately, to much of Mindy’s surprise, “coast FI” doesn’t mean having enough money to live by the coast. But, just like living down by the beach, the coast FI lifestyle is far more enjoyable than most. We constantly hear from online personal finance bloggers about how you need to save as much as you can, eat at home every night, and never take a vacation. While this does allow you to hit financial independence faster, it makes the journey a highly stressful one at worst and a barely bearable one at best.

What about a different way to reach financial independence? What about still eating out and taking trips, all while working to retire early? This is the path that Jessica from The Fioneers has chosen to take. She and her husband learned about the financial independence movement while they were making just $30,000 per year combined. As their income grew, so did their savings rate. But, Jessica realized that the stress of climbing the corporate ladder wasn’t worth it when she ended up taking a six-month mental health break from her work.

Jessica never ended up going back to work, but she did start working for herself. Now, she’s on the path to coast FI, or as she also likes to call it, “slow FI.” She still takes trips and lives comfortably, but she does so with full autonomy of her time and a plan to retire in her early 50s. She is living proof that you don’t need to burn yourself out to hit financial freedom, and you definitely don’t need to do so just to reach retirement.




In This Episode We Cover

Coast FI explained and how it’s a far more enjoyable alternative to standard financial independence

Saving and investing even while making a below-median income salary 

Resisting lifestyle creep and how to use pay raises to increase your net worth

The danger of going “too fast to FI” and how retiring too early can be a detriment

Part-time jobs, side hustles, and other ways that you can make more apart from your W2

Spending money to “escape” and how quitting a stressful job could save you more money

And So Much More!




Links from the Show

BiggerPockets Money Facebook Group

BiggerPockets Forums

Finance Review Guest Onboarding

Mindy's Twitter

Listen to All Your Favorite BiggerPockets Podcasts in One Place

Apply to Be a Guest on The Money Show

Podcast Talent Search!

Subscribe to The “On The Market” YouTube Channel

Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets

Check Out Mindy’s 2022 Live Spending Tracker and Budget

David on BiggerPockets

David’s Site From Military to Millionaire

Change Your Money Mindset, Change Your Life with Vicki Robin




Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Check out our sponsor page!]]></description>
	<itunes:subtitle><![CDATA[Coast FI is an interesting concept. Unfortunately, to much of Mindy’s surprise, “coast FI” doesn’t mean having enough money to live by the coast. But, just like living down by the beach, the coast FI lifestyle is far more enjoyable than most. We constant]]></itunes:subtitle>
	<content:encoded><![CDATA[Coast FI is an interesting concept. Unfortunately, to much of Mindy’s surprise, “coast FI” doesn’t mean having enough money to live by the coast. But, just like living down by the beach, the coast FI lifestyle is far more enjoyable than most. We constantly hear from online personal finance bloggers about how you need to save as much as you can, eat at home every night, and never take a vacation. While this does allow you to hit financial independence faster, it makes the journey a highly stressful one at worst and a barely bearable one at best.

What about a different way to reach financial independence? What about still eating out and taking trips, all while working to retire early? This is the path that Jessica from The Fioneers has chosen to take. She and her husband learned about the financial independence movement while they were making just $30,000 per year combined. As their income grew, so did their savings rate. But, Jessica realized that the stress of climbing the corporate ladder wasn’t worth it when she ended up taking a six-month mental health break from her work.

Jessica never ended up going back to work, but she did start working for herself. Now, she’s on the path to coast FI, or as she also likes to call it, “slow FI.” She still takes trips and lives comfortably, but she does so with full autonomy of her time and a plan to retire in her early 50s. She is living proof that you don’t need to burn yourself out to hit financial freedom, and you definitely don’t need to do so just to reach retirement.




In This Episode We Cover

Coast FI explained and how it’s a far more enjoyable alternative to standard financial independence

Saving and investing even while making a below-median income salary 

Resisting lifestyle creep and how to use pay raises to increase your net worth

The danger of going “too fast to FI” and how retiring too early can be a detriment

Part-time jobs, side hustles, and other ways that you can make more apart from your W2

Spending money to “escape” and how quitting a stressful job could save you more money

And So Much More!




Links from the Show

BiggerPockets Money Facebook Group

BiggerPockets Forums

Finance Review Guest Onboarding

Mindy's Twitter

Listen to All Your Favorite BiggerPockets Podcasts in One Place

Apply to Be a Guest on The Money Show

Podcast Talent Search!

Subscribe to The “On The Market” YouTube Channel

Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets

Check Out Mindy’s 2022 Live Spending Tracker and Budget

David on BiggerPockets

David’s Site From Military to Millionaire

Change Your Money Mindset, Change Your Life with Vicki Robin




Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Check out our sponsor page!]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC5835748467.mp3" length="65835930" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[Coast FI is an interesting concept. Unfortunately, to much of Mindy’s surprise, “coast FI” doesn’t mean having enough money to live by the coast. But, just like living down by the beach, the coast FI lifestyle is far more enjoyable than most. We constantly hear from online personal finance bloggers about how you need to save as much as you can, eat at home every night, and never take a vacation. While this does allow you to hit financial independence faster, it makes the journey a highly stressful one at worst and a barely bearable one at best.

What about a different way to reach financial independence? What about still eating out and taking trips, all while working to retire early? This is the path that Jessica from The Fioneers has chosen to take. She and her husband learned about the financial independence movement while they were making just $30,000 per year combined. As their income grew, so did their savings rate. But, Jessica realized that the stress of climbing the corporate ladder wasn’t worth it when she ended up taking a six-month mental health break from her work.

Jessica never ended up going back to work, but she did start working for herself. Now, she’s on the path to coast FI, or as she also likes to call it, “slow FI.” She still takes trips and lives comfortably, but she does so with full autonomy of her time and a plan to retire in her early 50s. She is living proof that you don’t need to burn yourself out to hit financial freedom, and you definitely don’t need to do so just to reach retirement.




In This Episode We Cover

Coast FI explained and how it’s a far more enjoyable alternative to standard financial independence

Saving and investing even while making a below-median income salary 

Resisting lifestyle creep and how to use pay raises to increase your net worth

The danger of going “too fast to FI” and how retiring too early can be a detriment

Part-time jobs, side hustles, and other ways that you can make more apart from your W2

Spending money to “escape” and how quitting a stressful job could save you more money

And So Much More!




Links from the Show

BiggerPockets Money Facebook Group

BiggerPockets Forums

Finance Review Guest Onboarding

Mindy's Twitter

Listen to All Your Favorite BiggerPockets Podcasts in One Place

Apply to Be a Guest on The Money Show

Podcast Talent Search!

Subscribe to The “On The Market” YouTube Channel

Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets

Check Out Mindy’s 2022 Live Spending Tracker and Budget

David on BiggerPockets

David’s Site From Military to Millionaire

Change Your Money Mindset, Change Your Life with Vicki Robin




Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Check out our sponsor page!]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[Coast FI is an interesting concept. Unfortunately, to much of Mindy’s surprise, “coast FI” doesn’t mean having enough money to live by the coast. But, just like living down by the beach, the coast FI lifestyle is far more enjoyable than most. We constantly hear from online personal finance bloggers about how you need to save as much as you can, eat at home every night, and never take a vacation. While this does allow you to hit financial independence faster, it makes the journey a highly stressful one at worst and a barely bearable one at best.

What about a different way to reach financial independence? What about still eating out and taking trips, all while working to retire early? This is the path that Jessica from The Fioneers has chosen to take. She and her husband learned about the financial independence movement while they were making just $30,000 per year combined. As their income grew, so did their savings rate. But, Jessica realized that the stress of climbing the corporate ]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
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<item>
	<title>322: Finance Friday: Living Paycheck-to-Paycheck with 9 Rental Properties</title>
	<link>https://biggerpocketsmoney.com/podcast/322-finance-friday-living-paycheck-to-paycheck-with-9-rental-properties/</link>
	<pubDate>Fri, 29 Jul 2022 06:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">gid://art19-episode-locator/V0/kSVAQHZZKVcUiQIncqpftQT6m0RaRJqE2TiSr60NgA0</guid>
	<description><![CDATA[Rental property cash flow is one of the most important metrics to calculate when analyzing real estate. Your cash flow not only helps you make a little extra money every month but also keeps your property afloat during months of heavy expenses or when large repairs need to take place. If you don’t do the correct cash flow calculations, you could find yourself with a cash-hemorrhaging property.

This is why running (and re-running) your “true cash flow” number is so important. It’s also what Pam, today’s guest, might need to do to figure out which rentals to sell and which to keep in her portfolio. Pam owns nine rental properties, which is doubly impressive since she declared bankruptcy just a decade ago. She’s been able to rebuild a financial position that many would envy. And even though Pam and her husband make a great income, they’re struggling to figure out where it’s going every month.

As six-figure earners, they’re barely breaking even on some months and overspending on others. Is Pam being too relaxed with some of her budget categories, or is there another cash flow leak coming from somewhere she isn’t looking? Scott and Mindy go through Pam’s current financial situation and quite quickly come up with a solution that could save her thousands every month.




In This Episode We Cover

How to calculate “true cash flow” for your rental properties so you know what actually comes in every month

Selling vs. refinancing vs. holding and which choice to pick for which property

Why so many six-figure earners feel like they’re living paycheck to paycheck 

Capital expenditure (CapEx) costs and why every rental property investor must anticipate them

Climbing out of bankruptcy and finding financial success after starting from zero

Using private money lending to grow a rental portfolio quickly

And So Much More!




Links from the Show

BiggerPockets Money Facebook Group

BiggerPockets Forums

Finance Review Guest Onboarding

Scott's Instagram

Mindy's Twitter

Listen to All Your Favorite BiggerPockets Podcasts in One Place

Apply to Be a Guest on The Money Show

Podcast Talent Search!

Subscribe to The “On The Market” YouTube Channel

Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets

Check Out Mindy’s 2022 Live Spending Tracker and Budget

Finance Friday: How to Get to Early Retirement Even Faster

Finance Friday: Sell (Don’t Rent) Your Primary Residence When You Move Out




Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Check out our sponsor page!]]></description>
	<itunes:subtitle><![CDATA[Rental property cash flow is one of the most important metrics to calculate when analyzing real estate. Your cash flow not only helps you make a little extra money every month but also keeps your property afloat during months of heavy expenses or when la]]></itunes:subtitle>
	<content:encoded><![CDATA[Rental property cash flow is one of the most important metrics to calculate when analyzing real estate. Your cash flow not only helps you make a little extra money every month but also keeps your property afloat during months of heavy expenses or when large repairs need to take place. If you don’t do the correct cash flow calculations, you could find yourself with a cash-hemorrhaging property.

This is why running (and re-running) your “true cash flow” number is so important. It’s also what Pam, today’s guest, might need to do to figure out which rentals to sell and which to keep in her portfolio. Pam owns nine rental properties, which is doubly impressive since she declared bankruptcy just a decade ago. She’s been able to rebuild a financial position that many would envy. And even though Pam and her husband make a great income, they’re struggling to figure out where it’s going every month.

As six-figure earners, they’re barely breaking even on some months and overspending on others. Is Pam being too relaxed with some of her budget categories, or is there another cash flow leak coming from somewhere she isn’t looking? Scott and Mindy go through Pam’s current financial situation and quite quickly come up with a solution that could save her thousands every month.




In This Episode We Cover

How to calculate “true cash flow” for your rental properties so you know what actually comes in every month

Selling vs. refinancing vs. holding and which choice to pick for which property

Why so many six-figure earners feel like they’re living paycheck to paycheck 

Capital expenditure (CapEx) costs and why every rental property investor must anticipate them

Climbing out of bankruptcy and finding financial success after starting from zero

Using private money lending to grow a rental portfolio quickly

And So Much More!




Links from the Show

BiggerPockets Money Facebook Group

BiggerPockets Forums

Finance Review Guest Onboarding

Scott's Instagram

Mindy's Twitter

Listen to All Your Favorite BiggerPockets Podcasts in One Place

Apply to Be a Guest on The Money Show

Podcast Talent Search!

Subscribe to The “On The Market” YouTube Channel

Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets

Check Out Mindy’s 2022 Live Spending Tracker and Budget

Finance Friday: How to Get to Early Retirement Even Faster

Finance Friday: Sell (Don’t Rent) Your Primary Residence When You Move Out




Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Check out our sponsor page!]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC8203745308.mp3" length="68098547" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[Rental property cash flow is one of the most important metrics to calculate when analyzing real estate. Your cash flow not only helps you make a little extra money every month but also keeps your property afloat during months of heavy expenses or when large repairs need to take place. If you don’t do the correct cash flow calculations, you could find yourself with a cash-hemorrhaging property.

This is why running (and re-running) your “true cash flow” number is so important. It’s also what Pam, today’s guest, might need to do to figure out which rentals to sell and which to keep in her portfolio. Pam owns nine rental properties, which is doubly impressive since she declared bankruptcy just a decade ago. She’s been able to rebuild a financial position that many would envy. And even though Pam and her husband make a great income, they’re struggling to figure out where it’s going every month.

As six-figure earners, they’re barely breaking even on some months and overspending on others. Is Pam being too relaxed with some of her budget categories, or is there another cash flow leak coming from somewhere she isn’t looking? Scott and Mindy go through Pam’s current financial situation and quite quickly come up with a solution that could save her thousands every month.




In This Episode We Cover

How to calculate “true cash flow” for your rental properties so you know what actually comes in every month

Selling vs. refinancing vs. holding and which choice to pick for which property

Why so many six-figure earners feel like they’re living paycheck to paycheck 

Capital expenditure (CapEx) costs and why every rental property investor must anticipate them

Climbing out of bankruptcy and finding financial success after starting from zero

Using private money lending to grow a rental portfolio quickly

And So Much More!




Links from the Show

BiggerPockets Money Facebook Group

BiggerPockets Forums

Finance Review Guest Onboarding

Scott's Instagram

Mindy's Twitter

Listen to All Your Favorite BiggerPockets Podcasts in One Place

Apply to Be a Guest on The Money Show

Podcast Talent Search!

Subscribe to The “On The Market” YouTube Channel

Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets

Check Out Mindy’s 2022 Live Spending Tracker and Budget

Finance Friday: How to Get to Early Retirement Even Faster

Finance Friday: Sell (Don’t Rent) Your Primary Residence When You Move Out




Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Check out our sponsor page!]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[Rental property cash flow is one of the most important metrics to calculate when analyzing real estate. Your cash flow not only helps you make a little extra money every month but also keeps your property afloat during months of heavy expenses or when large repairs need to take place. If you don’t do the correct cash flow calculations, you could find yourself with a cash-hemorrhaging property.

This is why running (and re-running) your “true cash flow” number is so important. It’s also what Pam, today’s guest, might need to do to figure out which rentals to sell and which to keep in her portfolio. Pam owns nine rental properties, which is doubly impressive since she declared bankruptcy just a decade ago. She’s been able to rebuild a financial position that many would envy. And even though Pam and her husband make a great income, they’re struggling to figure out where it’s going every month.

As six-figure earners, they’re barely breaking even on some months and overspending on others.]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>321: From Spending Six-Figures a Year to Saving 80% of His Income</title>
	<link>https://biggerpocketsmoney.com/podcast/321-from-spending-six-figures-a-year-to-saving-80-of-his-income/</link>
	<pubDate>Mon, 25 Jul 2022 06:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">gid://art19-episode-locator/V0/D-tJRkYdbSv5-6Wdaoh0FMIcrasau06gz0gePxgfLkU</guid>
	<description><![CDATA[Living paycheck to paycheck isn’t sustainable. But, if you’re in this position, you already know that. The stress of always worrying about bills, scrounging for money, and never really feeling security can eat away at you. This is how Anthony Michael felt, but surprisingly, he wasn’t making a small amount of money. He and his wife were making six figures, but only saving around $200/month. This was far less than Anthony was comfortable with, so he sat down, crunched the numbers, and started taking drastic actions.

After he was able to increase his savings rate tenfold, he knew the extra money he was bringing in needed to be deployed. He started listening to The BiggerPockets Real Estate Podcast, read Rich Dad Poor Dad, and saw that house flipping could be his way to real estate riches. He found a partner, picked an area to invest in, and since then has madeflipping homes his top money-marker.

Anthony’s story didn’t always go to plan. He had house flipping budget busters that forced him to use much of his emergency savings, a “partner” who ran off with thousands of dollars, and other fumbles along the way. But, all these mistakes lead to Anthony being in the position he is in today, and maybe you can avoid some of his pricey mistakes simply by hearing his story.




In This Episode We Cover

How lowering your expenses is a faster way to save than increasing your income

Flipping products online and choosing side hustles that can quickly bring in some cash

House flipping and how (when done right) it can be a killer side hustle for new investors

The “BRRRRbnb” short-term rental bringing in over $500 per night 

Real estate partnerships and what to look out for before you start sending money

Credit card debt and how to use it the right way when investing in real estate

And So Much More!




Links from the Show

BiggerPockets Money Facebook Group

BiggerPockets Forums

Finance Review Guest Onboarding

Mindy's Twitter

Listen to All Your Favorite BiggerPockets Podcasts in One Place

Apply to Be a Guest on The Money Show

Podcast Talent Search!

Subscribe to The “On The Market” YouTube Channel

Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets

Check Out Mindy’s 2022 Live Spending Tracker and Budget

David on BiggerPockets

David’s Site From Military to Millionaire

Airbnb

PropStream

MLS

Bonds: The Perfect Inflation Hedge (with One BIG Caveat)

Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Check out our sponsor page!

Click here to check the full show notes: https://www.biggerpockets.com/blog/money-321]]></description>
	<itunes:subtitle><![CDATA[Living paycheck to paycheck isn’t sustainable. But, if you’re in this position, you already know that. The stress of always worrying about bills, scrounging for money, and never really feeling security can eat away at you. This is how Anthony Michael fel]]></itunes:subtitle>
	<content:encoded><![CDATA[Living paycheck to paycheck isn’t sustainable. But, if you’re in this position, you already know that. The stress of always worrying about bills, scrounging for money, and never really feeling security can eat away at you. This is how Anthony Michael felt, but surprisingly, he wasn’t making a small amount of money. He and his wife were making six figures, but only saving around $200/month. This was far less than Anthony was comfortable with, so he sat down, crunched the numbers, and started taking drastic actions.

After he was able to increase his savings rate tenfold, he knew the extra money he was bringing in needed to be deployed. He started listening to The BiggerPockets Real Estate Podcast, read Rich Dad Poor Dad, and saw that house flipping could be his way to real estate riches. He found a partner, picked an area to invest in, and since then has madeflipping homes his top money-marker.

Anthony’s story didn’t always go to plan. He had house flipping budget busters that forced him to use much of his emergency savings, a “partner” who ran off with thousands of dollars, and other fumbles along the way. But, all these mistakes lead to Anthony being in the position he is in today, and maybe you can avoid some of his pricey mistakes simply by hearing his story.




In This Episode We Cover

How lowering your expenses is a faster way to save than increasing your income

Flipping products online and choosing side hustles that can quickly bring in some cash

House flipping and how (when done right) it can be a killer side hustle for new investors

The “BRRRRbnb” short-term rental bringing in over $500 per night 

Real estate partnerships and what to look out for before you start sending money

Credit card debt and how to use it the right way when investing in real estate

And So Much More!




Links from the Show

BiggerPockets Money Facebook Group

BiggerPockets Forums

Finance Review Guest Onboarding

Mindy's Twitter

Listen to All Your Favorite BiggerPockets Podcasts in One Place

Apply to Be a Guest on The Money Show

Podcast Talent Search!

Subscribe to The “On The Market” YouTube Channel

Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets

Check Out Mindy’s 2022 Live Spending Tracker and Budget

David on BiggerPockets

David’s Site From Military to Millionaire

Airbnb

PropStream

MLS

Bonds: The Perfect Inflation Hedge (with One BIG Caveat)

Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Check out our sponsor page!

Click here to check the full show notes: https://www.biggerpockets.com/blog/money-321]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC5024235622.mp3" length="77028229" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[Living paycheck to paycheck isn’t sustainable. But, if you’re in this position, you already know that. The stress of always worrying about bills, scrounging for money, and never really feeling security can eat away at you. This is how Anthony Michael felt, but surprisingly, he wasn’t making a small amount of money. He and his wife were making six figures, but only saving around $200/month. This was far less than Anthony was comfortable with, so he sat down, crunched the numbers, and started taking drastic actions.

After he was able to increase his savings rate tenfold, he knew the extra money he was bringing in needed to be deployed. He started listening to The BiggerPockets Real Estate Podcast, read Rich Dad Poor Dad, and saw that house flipping could be his way to real estate riches. He found a partner, picked an area to invest in, and since then has madeflipping homes his top money-marker.

Anthony’s story didn’t always go to plan. He had house flipping budget busters that forced him to use much of his emergency savings, a “partner” who ran off with thousands of dollars, and other fumbles along the way. But, all these mistakes lead to Anthony being in the position he is in today, and maybe you can avoid some of his pricey mistakes simply by hearing his story.




In This Episode We Cover

How lowering your expenses is a faster way to save than increasing your income

Flipping products online and choosing side hustles that can quickly bring in some cash

House flipping and how (when done right) it can be a killer side hustle for new investors

The “BRRRRbnb” short-term rental bringing in over $500 per night 

Real estate partnerships and what to look out for before you start sending money

Credit card debt and how to use it the right way when investing in real estate

And So Much More!




Links from the Show

BiggerPockets Money Facebook Group

BiggerPockets Forums

Finance Review Guest Onboarding

Mindy's Twitter

Listen to All Your Favorite BiggerPockets Podcasts in One Place

Apply to Be a Guest on The Money Show

Podcast Talent Search!

Subscribe to The “On The Market” YouTube Channel

Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets

Check Out Mindy’s 2022 Live Spending Tracker and Budget

David on BiggerPockets

David’s Site From Military to Millionaire

Airbnb

PropStream

MLS

Bonds: The Perfect Inflation Hedge (with One BIG Caveat)

Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Check out our sponsor page!

Click here to check the full show notes: https://www.biggerpockets.com/blog/money-321]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[Living paycheck to paycheck isn’t sustainable. But, if you’re in this position, you already know that. The stress of always worrying about bills, scrounging for money, and never really feeling security can eat away at you. This is how Anthony Michael felt, but surprisingly, he wasn’t making a small amount of money. He and his wife were making six figures, but only saving around $200/month. This was far less than Anthony was comfortable with, so he sat down, crunched the numbers, and started taking drastic actions.

After he was able to increase his savings rate tenfold, he knew the extra money he was bringing in needed to be deployed. He started listening to The BiggerPockets Real Estate Podcast, read Rich Dad Poor Dad, and saw that house flipping could be his way to real estate riches. He found a partner, picked an area to invest in, and since then has madeflipping homes his top money-marker.

Anthony’s story didn’t always go to plan. He had house flipping budget busters that forced ]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>320: Finance Friday: How to Invest When the 20-Year Grind Pays Off</title>
	<link>https://biggerpocketsmoney.com/podcast/320-finance-friday-how-to-invest-when-the-20-year-grind-pays-off/</link>
	<pubDate>Fri, 22 Jul 2022 06:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">gid://art19-episode-locator/V0/h5yekDWjgrzW61eVSrXiXHVoy74AKsqX9hB_gOzS7HI</guid>
	<description><![CDATA[Retirement strategies range from simple index fund investing all the way to full-on real estate development deals. What works for some investors won’t work for others. What’s most important to you is knowing what will or won’t work for your lifestyle. Some workers can easily do a couple of fix and flips on the side to generate income, while you may have a sixty-hour workweek, without a lot of free time to start investing in more intense asset classes.

Chris feels just like this. As a working professional with a hectic schedule, he's concerned that he can’t participate in more “active” income-generating projects like real estate investing. He's been grinding for decades, making decent money but funneling much of it to pay off expensive student loan bills. When his wife sold her business, an unexpected windfall profit resulted, leaving the couple with more options than they thought.

Now they want to “back into retirement” as easily as possible, while still making wealth-building moves. What’s the best option for them? Stocks, real estate, or focusing on work so they can build a large cash reserve? While Scott and Mindy can’t answer this question for him, Chris is presented with a few good options that’ll help him become a multimillionaire in only a few short years.




In This Episode We Cover

Buying and selling a business, plus some lucrative exit options for when you decide to sell

Short-term rental investing and why big profits usually come with big-time commitments

The “perfect” retirement portfolio and how to build your assets around your lifestyle

Planning for your child’s college and how to invest risk-free while taking tax-advantages

Whether to invest in pre or post-tax retirement accounts when you’re coming close to retirement age

Serious side hustles that’ll help you achieve the “four-week work year”

And So Much More!




Links from the Show

BiggerPockets Money Facebook Group

BiggerPockets Forums

Finance Review Guest Onboarding

Scott's Instagram

Mindy's Twitter

Listen to All Your Favorite BiggerPockets Podcasts in One Place

Apply to Be a Guest on The Money Show

Podcast Talent Search!

Subscribe to The “On The Market” YouTube Channel

Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets

Check Out Mindy’s 2022 Live Spending Tracker and Budget

Finance Friday: How to Get to Early Retirement Even Faster

The “Perfect” Investment Portfolio for Early Retirement w/Ask The Money Coach

Bonds: The Perfect Inflation Hedge (with One BIG Caveat)




Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Check out our sponsor page!]]></description>
	<itunes:subtitle><![CDATA[Retirement strategies range from simple index fund investing all the way to full-on real estate development deals. What works for some investors won’t work for others. What’s most important to you is knowing what will or won’t work for your lifestyle. So]]></itunes:subtitle>
	<content:encoded><![CDATA[Retirement strategies range from simple index fund investing all the way to full-on real estate development deals. What works for some investors won’t work for others. What’s most important to you is knowing what will or won’t work for your lifestyle. Some workers can easily do a couple of fix and flips on the side to generate income, while you may have a sixty-hour workweek, without a lot of free time to start investing in more intense asset classes.

Chris feels just like this. As a working professional with a hectic schedule, he's concerned that he can’t participate in more “active” income-generating projects like real estate investing. He's been grinding for decades, making decent money but funneling much of it to pay off expensive student loan bills. When his wife sold her business, an unexpected windfall profit resulted, leaving the couple with more options than they thought.

Now they want to “back into retirement” as easily as possible, while still making wealth-building moves. What’s the best option for them? Stocks, real estate, or focusing on work so they can build a large cash reserve? While Scott and Mindy can’t answer this question for him, Chris is presented with a few good options that’ll help him become a multimillionaire in only a few short years.




In This Episode We Cover

Buying and selling a business, plus some lucrative exit options for when you decide to sell

Short-term rental investing and why big profits usually come with big-time commitments

The “perfect” retirement portfolio and how to build your assets around your lifestyle

Planning for your child’s college and how to invest risk-free while taking tax-advantages

Whether to invest in pre or post-tax retirement accounts when you’re coming close to retirement age

Serious side hustles that’ll help you achieve the “four-week work year”

And So Much More!




Links from the Show

BiggerPockets Money Facebook Group

BiggerPockets Forums

Finance Review Guest Onboarding

Scott's Instagram

Mindy's Twitter

Listen to All Your Favorite BiggerPockets Podcasts in One Place

Apply to Be a Guest on The Money Show

Podcast Talent Search!

Subscribe to The “On The Market” YouTube Channel

Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets

Check Out Mindy’s 2022 Live Spending Tracker and Budget

Finance Friday: How to Get to Early Retirement Even Faster

The “Perfect” Investment Portfolio for Early Retirement w/Ask The Money Coach

Bonds: The Perfect Inflation Hedge (with One BIG Caveat)




Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Check out our sponsor page!]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC6346454425.mp3" length="65681290" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[Retirement strategies range from simple index fund investing all the way to full-on real estate development deals. What works for some investors won’t work for others. What’s most important to you is knowing what will or won’t work for your lifestyle. Some workers can easily do a couple of fix and flips on the side to generate income, while you may have a sixty-hour workweek, without a lot of free time to start investing in more intense asset classes.

Chris feels just like this. As a working professional with a hectic schedule, he's concerned that he can’t participate in more “active” income-generating projects like real estate investing. He's been grinding for decades, making decent money but funneling much of it to pay off expensive student loan bills. When his wife sold her business, an unexpected windfall profit resulted, leaving the couple with more options than they thought.

Now they want to “back into retirement” as easily as possible, while still making wealth-building moves. What’s the best option for them? Stocks, real estate, or focusing on work so they can build a large cash reserve? While Scott and Mindy can’t answer this question for him, Chris is presented with a few good options that’ll help him become a multimillionaire in only a few short years.




In This Episode We Cover

Buying and selling a business, plus some lucrative exit options for when you decide to sell

Short-term rental investing and why big profits usually come with big-time commitments

The “perfect” retirement portfolio and how to build your assets around your lifestyle

Planning for your child’s college and how to invest risk-free while taking tax-advantages

Whether to invest in pre or post-tax retirement accounts when you’re coming close to retirement age

Serious side hustles that’ll help you achieve the “four-week work year”

And So Much More!




Links from the Show

BiggerPockets Money Facebook Group

BiggerPockets Forums

Finance Review Guest Onboarding

Scott's Instagram

Mindy's Twitter

Listen to All Your Favorite BiggerPockets Podcasts in One Place

Apply to Be a Guest on The Money Show

Podcast Talent Search!

Subscribe to The “On The Market” YouTube Channel

Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets

Check Out Mindy’s 2022 Live Spending Tracker and Budget

Finance Friday: How to Get to Early Retirement Even Faster

The “Perfect” Investment Portfolio for Early Retirement w/Ask The Money Coach

Bonds: The Perfect Inflation Hedge (with One BIG Caveat)




Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Check out our sponsor page!]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[Retirement strategies range from simple index fund investing all the way to full-on real estate development deals. What works for some investors won’t work for others. What’s most important to you is knowing what will or won’t work for your lifestyle. Some workers can easily do a couple of fix and flips on the side to generate income, while you may have a sixty-hour workweek, without a lot of free time to start investing in more intense asset classes.

Chris feels just like this. As a working professional with a hectic schedule, he's concerned that he can’t participate in more “active” income-generating projects like real estate investing. He's been grinding for decades, making decent money but funneling much of it to pay off expensive student loan bills. When his wife sold her business, an unexpected windfall profit resulted, leaving the couple with more options than they thought.

Now they want to “back into retirement” as easily as possible, while still making wealth-building moves]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>319: The “Deathbed Toolkit” That Makes Building Wealth Much More Enjoyable</title>
	<link>https://biggerpocketsmoney.com/podcast/319-the-deathbed-toolkit-that-makes-building-wealth-much-more-enjoyable/</link>
	<pubDate>Mon, 18 Jul 2022 06:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">gid://art19-episode-locator/V0/JpyMm37bfSAbuThBv5s5wlRqGKF2eO6f9pncjn1mSF0</guid>
	<description><![CDATA[Your financial freedom journey won’t look like anyone else’s. It’s your future, your passion, and your life on the line when trying to hit financial independence. But what are we missing out on during the journey? Are we mindlessly walking towards a “money mirage” where everything in life is perfect and happiness is always abundant, simply because we have more money? Or, is the end of the financial independence journey far less satisfying than it’s hyped up to be?

Doc G, from The Earn &#38; Invest podcast, knows about regret. When he’s not recording episodes about residual income, he’s helping hospice patients who are months, weeks, or even days away from life’s end. He knows what it looks like when someone harbors regret about what they should have done. So many of our greatest regrets are caused by not knowing what we truly want to do. The question is, do you know what will actually make you happy?

It’s okay if you can’t answer that question right away. In Doc G’s newest book Taking Stock: A Hospice Doctor's Advice on Financial Independence, Building Wealth, and Living a Regret-Free Life, he gives a concoction of stories, exercises, and thought-provoking metaphors to help you not only reach FI but do so regret-free.




In This Episode We Cover

Why stepping away from a high-paying career could make financial freedom easier for you

Finding what you truly want out of life and how to do so before it’s too late

The “mirage of money” that financial independence chasers can’t get enough of

Why the “death march to FI” is rarely worth it and what to do if you’re on that path

The “three brothers” story that will have you rethinking how you want to reach early retirement 

What hospice patients regretted most and their advice for those who are healthy

And So Much More!




Links from the Show

BiggerPockets Money Facebook Group

BiggerPockets Forums

Finance Review Guest Onboarding

Scott's Instagram

Mindy's Twitter

Listen to All Your Favorite BiggerPockets Podcasts in One Place

Apply to Be a Guest on The Money Show

Podcast Talent Search!

Subscribe to The “On The Market” YouTube Channel

Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets

Check Out Mindy’s 2022 Live Spending Tracker and Budget

Life After FIRE – Case Studies with Scott, Whitney Hansen, and Doc G

Earn and Invest Podcast




Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Check out our sponsor page!]]></description>
	<itunes:subtitle><![CDATA[Your financial freedom journey won’t look like anyone else’s. It’s your future, your passion, and your life on the line when trying to hit financial independence. But what are we missing out on during the journey? Are we mindlessly walking towards a “mon]]></itunes:subtitle>
	<content:encoded><![CDATA[Your financial freedom journey won’t look like anyone else’s. It’s your future, your passion, and your life on the line when trying to hit financial independence. But what are we missing out on during the journey? Are we mindlessly walking towards a “money mirage” where everything in life is perfect and happiness is always abundant, simply because we have more money? Or, is the end of the financial independence journey far less satisfying than it’s hyped up to be?

Doc G, from The Earn &#38; Invest podcast, knows about regret. When he’s not recording episodes about residual income, he’s helping hospice patients who are months, weeks, or even days away from life’s end. He knows what it looks like when someone harbors regret about what they should have done. So many of our greatest regrets are caused by not knowing what we truly want to do. The question is, do you know what will actually make you happy?

It’s okay if you can’t answer that question right away. In Doc G’s newest book Taking Stock: A Hospice Doctor's Advice on Financial Independence, Building Wealth, and Living a Regret-Free Life, he gives a concoction of stories, exercises, and thought-provoking metaphors to help you not only reach FI but do so regret-free.




In This Episode We Cover

Why stepping away from a high-paying career could make financial freedom easier for you

Finding what you truly want out of life and how to do so before it’s too late

The “mirage of money” that financial independence chasers can’t get enough of

Why the “death march to FI” is rarely worth it and what to do if you’re on that path

The “three brothers” story that will have you rethinking how you want to reach early retirement 

What hospice patients regretted most and their advice for those who are healthy

And So Much More!




Links from the Show

BiggerPockets Money Facebook Group

BiggerPockets Forums

Finance Review Guest Onboarding

Scott's Instagram

Mindy's Twitter

Listen to All Your Favorite BiggerPockets Podcasts in One Place

Apply to Be a Guest on The Money Show

Podcast Talent Search!

Subscribe to The “On The Market” YouTube Channel

Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets

Check Out Mindy’s 2022 Live Spending Tracker and Budget

Life After FIRE – Case Studies with Scott, Whitney Hansen, and Doc G

Earn and Invest Podcast




Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Check out our sponsor page!]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC3442280706.mp3" length="59882006" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[Your financial freedom journey won’t look like anyone else’s. It’s your future, your passion, and your life on the line when trying to hit financial independence. But what are we missing out on during the journey? Are we mindlessly walking towards a “money mirage” where everything in life is perfect and happiness is always abundant, simply because we have more money? Or, is the end of the financial independence journey far less satisfying than it’s hyped up to be?

Doc G, from The Earn &#38; Invest podcast, knows about regret. When he’s not recording episodes about residual income, he’s helping hospice patients who are months, weeks, or even days away from life’s end. He knows what it looks like when someone harbors regret about what they should have done. So many of our greatest regrets are caused by not knowing what we truly want to do. The question is, do you know what will actually make you happy?

It’s okay if you can’t answer that question right away. In Doc G’s newest book Taking Stock: A Hospice Doctor's Advice on Financial Independence, Building Wealth, and Living a Regret-Free Life, he gives a concoction of stories, exercises, and thought-provoking metaphors to help you not only reach FI but do so regret-free.




In This Episode We Cover

Why stepping away from a high-paying career could make financial freedom easier for you

Finding what you truly want out of life and how to do so before it’s too late

The “mirage of money” that financial independence chasers can’t get enough of

Why the “death march to FI” is rarely worth it and what to do if you’re on that path

The “three brothers” story that will have you rethinking how you want to reach early retirement 

What hospice patients regretted most and their advice for those who are healthy

And So Much More!




Links from the Show

BiggerPockets Money Facebook Group

BiggerPockets Forums

Finance Review Guest Onboarding

Scott's Instagram

Mindy's Twitter

Listen to All Your Favorite BiggerPockets Podcasts in One Place

Apply to Be a Guest on The Money Show

Podcast Talent Search!

Subscribe to The “On The Market” YouTube Channel

Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets

Check Out Mindy’s 2022 Live Spending Tracker and Budget

Life After FIRE – Case Studies with Scott, Whitney Hansen, and Doc G

Earn and Invest Podcast




Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Check out our sponsor page!]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[Your financial freedom journey won’t look like anyone else’s. It’s your future, your passion, and your life on the line when trying to hit financial independence. But what are we missing out on during the journey? Are we mindlessly walking towards a “money mirage” where everything in life is perfect and happiness is always abundant, simply because we have more money? Or, is the end of the financial independence journey far less satisfying than it’s hyped up to be?

Doc G, from The Earn &#38; Invest podcast, knows about regret. When he’s not recording episodes about residual income, he’s helping hospice patients who are months, weeks, or even days away from life’s end. He knows what it looks like when someone harbors regret about what they should have done. So many of our greatest regrets are caused by not knowing what we truly want to do. The question is, do you know what will actually make you happy?

It’s okay if you can’t answer that question right away. In Doc G’s newest book Taki]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>318: Finance Friday: The Median Earner’s Guide to Fast-Tracking FI</title>
	<link>https://biggerpocketsmoney.com/podcast/318-finance-friday-the-median-earners-guide-to-fast-tracking-fi/</link>
	<pubDate>Fri, 15 Jul 2022 06:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">gid://art19-episode-locator/V0/R-_Vs5xKRxpdPPaTxlhAE4xcFrsWxex-f8S2oHekGDk</guid>
	<description><![CDATA[The “semi-retired” lifestyle seems to go against everything early retirement chasers have been taught. For years, it’s been pushed into our brains that “retirement” is one stark event. You retire once, do what you want for the rest of time, and that’s that. But life doesn’t always go that way. Today’s guest Amanda has spent the past two decades raising children, working, and focusing on getting an advanced degree. Now, with extra money coming in she’s finally in the position to invest.

Amanda wants to have the option to work part-time in her mid-fifties so she can spend time with her future grandchildren. She doesn’t oppose a semi-retired lifestyle but wants to make sure she has the assets to support this financial flexibility she’s chasing. She’s investing in her retirement accounts, saving up a strong cash surplus, but knows that as she makes more money in the future, she should have a better plan on where to put it.

Scott and Mindy walk through the ways Amanda can optimize her lifestyle for future retirement. In just a few years, Amanda will have a high income, with the ability to invest in passive income streams like real estate or simply funnel more money into smart stock investments. But at the stage she’s currently at, which is the smartest way to set herself up for a post-nine-to-five life?




In This Episode We Cover

After-tax vs. pre-tax investment accounts and which to prioritize for early retirement

Pensions and whether or not they’re worth working at the same job for

HSA vs. FSA investing and how to maximize your tax-advantaged healthcare accounts

Index fund investing and how to aggressively invest without making things complicated

The four levers of financial independence and which to pull when you don’t have many assets

And So Much More!




Links from the Show

BiggerPockets Money Facebook Group

BiggerPockets Forums

Finance Review Guest Onboarding

Scott's Instagram

Mindy's Twitter

Listen to All Your Favorite BiggerPockets Podcasts in One Place

Apply to Be a Guest on The Money Show

Podcast Talent Search!

Subscribe to The “On The Market” YouTube Channel

Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets

Check Out Mindy’s 2022 Live Spending Tracker and Budget

Finance Friday: How to Get to Early Retirement Even Faster




Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Check out our sponsor page!]]></description>
	<itunes:subtitle><![CDATA[The “semi-retired” lifestyle seems to go against everything early retirement chasers have been taught. For years, it’s been pushed into our brains that “retirement” is one stark event. You retire once, do what you want for the rest of time, and that’s th]]></itunes:subtitle>
	<content:encoded><![CDATA[The “semi-retired” lifestyle seems to go against everything early retirement chasers have been taught. For years, it’s been pushed into our brains that “retirement” is one stark event. You retire once, do what you want for the rest of time, and that’s that. But life doesn’t always go that way. Today’s guest Amanda has spent the past two decades raising children, working, and focusing on getting an advanced degree. Now, with extra money coming in she’s finally in the position to invest.

Amanda wants to have the option to work part-time in her mid-fifties so she can spend time with her future grandchildren. She doesn’t oppose a semi-retired lifestyle but wants to make sure she has the assets to support this financial flexibility she’s chasing. She’s investing in her retirement accounts, saving up a strong cash surplus, but knows that as she makes more money in the future, she should have a better plan on where to put it.

Scott and Mindy walk through the ways Amanda can optimize her lifestyle for future retirement. In just a few years, Amanda will have a high income, with the ability to invest in passive income streams like real estate or simply funnel more money into smart stock investments. But at the stage she’s currently at, which is the smartest way to set herself up for a post-nine-to-five life?




In This Episode We Cover

After-tax vs. pre-tax investment accounts and which to prioritize for early retirement

Pensions and whether or not they’re worth working at the same job for

HSA vs. FSA investing and how to maximize your tax-advantaged healthcare accounts

Index fund investing and how to aggressively invest without making things complicated

The four levers of financial independence and which to pull when you don’t have many assets

And So Much More!




Links from the Show

BiggerPockets Money Facebook Group

BiggerPockets Forums

Finance Review Guest Onboarding

Scott's Instagram

Mindy's Twitter

Listen to All Your Favorite BiggerPockets Podcasts in One Place

Apply to Be a Guest on The Money Show

Podcast Talent Search!

Subscribe to The “On The Market” YouTube Channel

Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets

Check Out Mindy’s 2022 Live Spending Tracker and Budget

Finance Friday: How to Get to Early Retirement Even Faster




Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Check out our sponsor page!]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC9955916761.mp3" length="59522020" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[The “semi-retired” lifestyle seems to go against everything early retirement chasers have been taught. For years, it’s been pushed into our brains that “retirement” is one stark event. You retire once, do what you want for the rest of time, and that’s that. But life doesn’t always go that way. Today’s guest Amanda has spent the past two decades raising children, working, and focusing on getting an advanced degree. Now, with extra money coming in she’s finally in the position to invest.

Amanda wants to have the option to work part-time in her mid-fifties so she can spend time with her future grandchildren. She doesn’t oppose a semi-retired lifestyle but wants to make sure she has the assets to support this financial flexibility she’s chasing. She’s investing in her retirement accounts, saving up a strong cash surplus, but knows that as she makes more money in the future, she should have a better plan on where to put it.

Scott and Mindy walk through the ways Amanda can optimize her lifestyle for future retirement. In just a few years, Amanda will have a high income, with the ability to invest in passive income streams like real estate or simply funnel more money into smart stock investments. But at the stage she’s currently at, which is the smartest way to set herself up for a post-nine-to-five life?




In This Episode We Cover

After-tax vs. pre-tax investment accounts and which to prioritize for early retirement

Pensions and whether or not they’re worth working at the same job for

HSA vs. FSA investing and how to maximize your tax-advantaged healthcare accounts

Index fund investing and how to aggressively invest without making things complicated

The four levers of financial independence and which to pull when you don’t have many assets

And So Much More!




Links from the Show

BiggerPockets Money Facebook Group

BiggerPockets Forums

Finance Review Guest Onboarding

Scott's Instagram

Mindy's Twitter

Listen to All Your Favorite BiggerPockets Podcasts in One Place

Apply to Be a Guest on The Money Show

Podcast Talent Search!

Subscribe to The “On The Market” YouTube Channel

Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets

Check Out Mindy’s 2022 Live Spending Tracker and Budget

Finance Friday: How to Get to Early Retirement Even Faster




Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Check out our sponsor page!]]></itunes:summary>
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	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[The “semi-retired” lifestyle seems to go against everything early retirement chasers have been taught. For years, it’s been pushed into our brains that “retirement” is one stark event. You retire once, do what you want for the rest of time, and that’s that. But life doesn’t always go that way. Today’s guest Amanda has spent the past two decades raising children, working, and focusing on getting an advanced degree. Now, with extra money coming in she’s finally in the position to invest.

Amanda wants to have the option to work part-time in her mid-fifties so she can spend time with her future grandchildren. She doesn’t oppose a semi-retired lifestyle but wants to make sure she has the assets to support this financial flexibility she’s chasing. She’s investing in her retirement accounts, saving up a strong cash surplus, but knows that as she makes more money in the future, she should have a better plan on where to put it.

Scott and Mindy walk through the ways Amanda can optimize her li]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>317: Early Retirement by 30 with $20K/Month in (Actually) Passive Income</title>
	<link>https://biggerpocketsmoney.com/podcast/317-early-retirement-by-30-with-20k-month-in-actually-passive-income/</link>
	<pubDate>Mon, 11 Jul 2022 06:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">gid://art19-episode-locator/V0/vh-XKr8Vpnfl00P3xLbiQspKhB2PmveAGvU6FRk3Wr0</guid>
	<description><![CDATA[Early retirement is something people in their forties and fifties do, right? It would seem almost impossible for someone to retire in their mid/late twenties or early thirties without a large inheritance or winning the lottery. Today you’ll meet the woman who did the impossible—Rachel “Money Honey” Richards. Her voice may sound familiar as not so long ago Rachel was a guest on The BiggerPockets Real Estate Podcast where she talked about retiring in just two years thanks to “aggressive” real estate investing.

This time, Rachel talks about the more “passive” income streams she built over her twenties, allowing her and her husband to travel the world while making an enviable income, much of which requires little to no effort from Rachel. It’s not surprising that Rachel came from a finance-first background, working as a financial advisor immediately after college. She’s had multiple jobs in a variety of industries but knew running her own ship was where she was meant to be.

Fast forward a few years and Rachel has a strong real estate portfolio, bestselling financial literacy books, an exclusive mastermind and coaching program, as well as courses to help women feel empowered by finances, not afraid. Rachel is the embodiment of putting your future self first, and you’ll probably do the same after hearing about how she got here.




In This Episode We Cover

Using your age as a benefit and how to get around clients/customers judging you by your youth

Where to find the most cash-flowing real estate deals that no one else knows about

Living frugally as you make more money and resisting lifestyle creep at all costs

The multitude of passive income streams almost anyone can create

Selling your rental properties in 2022 and why the “passive” landlord dream isn’t all it’s cracked up to be

Imposter syndrome and why self-doubt could be costing you tens of thousands

And So Much More!




Links from the Show

BiggerPockets Money Facebook Group

BiggerPockets Forums

Finance Review Guest Onboarding

Scott's Instagram

Mindy's Twitter

Listen to All Your Favorite BiggerPockets Podcasts in One Place

Apply to Be a Guest on The Money Show

Podcast Talent Search!

Subscribe to The “On The Market” YouTube Channel

Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets

Check Out Mindy’s 2022 Live Spending Tracker and Budget

Retiring in 2 years Through “Aggressive” Rental Property Investing with Rachel Richards

MoneyHoney Website

Download Rachel's "Passive Income Starter Kit"




Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Check out our sponsor page!]]></description>
	<itunes:subtitle><![CDATA[Early retirement is something people in their forties and fifties do, right? It would seem almost impossible for someone to retire in their mid/late twenties or early thirties without a large inheritance or winning the lottery. Today you’ll meet the woma]]></itunes:subtitle>
	<content:encoded><![CDATA[Early retirement is something people in their forties and fifties do, right? It would seem almost impossible for someone to retire in their mid/late twenties or early thirties without a large inheritance or winning the lottery. Today you’ll meet the woman who did the impossible—Rachel “Money Honey” Richards. Her voice may sound familiar as not so long ago Rachel was a guest on The BiggerPockets Real Estate Podcast where she talked about retiring in just two years thanks to “aggressive” real estate investing.

This time, Rachel talks about the more “passive” income streams she built over her twenties, allowing her and her husband to travel the world while making an enviable income, much of which requires little to no effort from Rachel. It’s not surprising that Rachel came from a finance-first background, working as a financial advisor immediately after college. She’s had multiple jobs in a variety of industries but knew running her own ship was where she was meant to be.

Fast forward a few years and Rachel has a strong real estate portfolio, bestselling financial literacy books, an exclusive mastermind and coaching program, as well as courses to help women feel empowered by finances, not afraid. Rachel is the embodiment of putting your future self first, and you’ll probably do the same after hearing about how she got here.




In This Episode We Cover

Using your age as a benefit and how to get around clients/customers judging you by your youth

Where to find the most cash-flowing real estate deals that no one else knows about

Living frugally as you make more money and resisting lifestyle creep at all costs

The multitude of passive income streams almost anyone can create

Selling your rental properties in 2022 and why the “passive” landlord dream isn’t all it’s cracked up to be

Imposter syndrome and why self-doubt could be costing you tens of thousands

And So Much More!




Links from the Show

BiggerPockets Money Facebook Group

BiggerPockets Forums

Finance Review Guest Onboarding

Scott's Instagram

Mindy's Twitter

Listen to All Your Favorite BiggerPockets Podcasts in One Place

Apply to Be a Guest on The Money Show

Podcast Talent Search!

Subscribe to The “On The Market” YouTube Channel

Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets

Check Out Mindy’s 2022 Live Spending Tracker and Budget

Retiring in 2 years Through “Aggressive” Rental Property Investing with Rachel Richards

MoneyHoney Website

Download Rachel's "Passive Income Starter Kit"




Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Check out our sponsor page!]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC2004895993.mp3" length="62815968" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[Early retirement is something people in their forties and fifties do, right? It would seem almost impossible for someone to retire in their mid/late twenties or early thirties without a large inheritance or winning the lottery. Today you’ll meet the woman who did the impossible—Rachel “Money Honey” Richards. Her voice may sound familiar as not so long ago Rachel was a guest on The BiggerPockets Real Estate Podcast where she talked about retiring in just two years thanks to “aggressive” real estate investing.

This time, Rachel talks about the more “passive” income streams she built over her twenties, allowing her and her husband to travel the world while making an enviable income, much of which requires little to no effort from Rachel. It’s not surprising that Rachel came from a finance-first background, working as a financial advisor immediately after college. She’s had multiple jobs in a variety of industries but knew running her own ship was where she was meant to be.

Fast forward a few years and Rachel has a strong real estate portfolio, bestselling financial literacy books, an exclusive mastermind and coaching program, as well as courses to help women feel empowered by finances, not afraid. Rachel is the embodiment of putting your future self first, and you’ll probably do the same after hearing about how she got here.




In This Episode We Cover

Using your age as a benefit and how to get around clients/customers judging you by your youth

Where to find the most cash-flowing real estate deals that no one else knows about

Living frugally as you make more money and resisting lifestyle creep at all costs

The multitude of passive income streams almost anyone can create

Selling your rental properties in 2022 and why the “passive” landlord dream isn’t all it’s cracked up to be

Imposter syndrome and why self-doubt could be costing you tens of thousands

And So Much More!




Links from the Show

BiggerPockets Money Facebook Group

BiggerPockets Forums

Finance Review Guest Onboarding

Scott's Instagram

Mindy's Twitter

Listen to All Your Favorite BiggerPockets Podcasts in One Place

Apply to Be a Guest on The Money Show

Podcast Talent Search!

Subscribe to The “On The Market” YouTube Channel

Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets

Check Out Mindy’s 2022 Live Spending Tracker and Budget

Retiring in 2 years Through “Aggressive” Rental Property Investing with Rachel Richards

MoneyHoney Website

Download Rachel's "Passive Income Starter Kit"




Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Check out our sponsor page!]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[Early retirement is something people in their forties and fifties do, right? It would seem almost impossible for someone to retire in their mid/late twenties or early thirties without a large inheritance or winning the lottery. Today you’ll meet the woman who did the impossible—Rachel “Money Honey” Richards. Her voice may sound familiar as not so long ago Rachel was a guest on The BiggerPockets Real Estate Podcast where she talked about retiring in just two years thanks to “aggressive” real estate investing.

This time, Rachel talks about the more “passive” income streams she built over her twenties, allowing her and her husband to travel the world while making an enviable income, much of which requires little to no effort from Rachel. It’s not surprising that Rachel came from a finance-first background, working as a financial advisor immediately after college. She’s had multiple jobs in a variety of industries but knew running her own ship was where she was meant to be.

Fast forward]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>316: Spending Categories to Cut During a Downturn &#124; Mindy &#038; Carl’s Budget Review</title>
	<link>https://biggerpocketsmoney.com/podcast/316-spending-categories-to-cut-during-a-downturn-mindy-carls-budget-review/</link>
	<pubDate>Fri, 08 Jul 2022 06:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">gid://art19-episode-locator/V0/1hBGpLGoV7MvJlJ3woOm6gxVFCluk9wA3KBoZYGVK0s</guid>
	<description><![CDATA[When building your budget, do you have a line designated for “economic downturn” or “high inflation?” Probably not. Many financial freaks like Carl and Mindy Jensen don’t prepare for economic anomalies like rampant inflation or double-digit stock market losses. And like most Americans, they’re finding it hard to not spend more money every month.

Carl and Mindy understand this, but can't seem to rein in their rebellious budget. This month was their most expensive month ever. And even though these expenses were planned, they nonetheless stung when reviewing them later. But even without these accounted expenses, Carl and Mindy have noticed the cost of goods going up while their stock portfolio continues to drop.

If you’re worried about high inflation, rising home prices, food prices, and everything in between, this is a great time to make the needed adjustments to your budget. This will save you not only a bunch of time but also stress when seeing shockingly high prices for everyday things.

Even financially free couples like Carl and Mindy need to reassess, and you may want to as well!




In This Episode We Cover

Mindy’s most expensive month ever recorded and why you should never books flights a month in advance 

Categories you can cut when an economic downturn hits so you (and your family) stay safe

Why saving is more special when you can truly enjoy the things you’re spending on

Rethinking early retirement and why now may not be the best time to leave the workforce

Budgeting, expense tracking, and keeping an eye on your overspending (before it gets out of hand)

And So Much More!




Links from the Show

BiggerPockets Money Facebook Group

BiggerPockets Forums

Finance Review Guest Onboarding

BiggerPockets Events

Mindy's Twitter

Apply to Be a Guest on The Money Show

Podcast Talent Search!

Subscribe to The “On The Market” YouTube Channel

Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets

Check Out Mindy’s 2022 Live Spending Tracker and Budget

1500 Days

1500 Days YouTube Channel]]></description>
	<itunes:subtitle><![CDATA[When building your budget, do you have a line designated for “economic downturn” or “high inflation?” Probably not. Many financial freaks like Carl and Mindy Jensen don’t prepare for economic anomalies like rampant inflation or double-digit stock market ]]></itunes:subtitle>
	<content:encoded><![CDATA[When building your budget, do you have a line designated for “economic downturn” or “high inflation?” Probably not. Many financial freaks like Carl and Mindy Jensen don’t prepare for economic anomalies like rampant inflation or double-digit stock market losses. And like most Americans, they’re finding it hard to not spend more money every month.

Carl and Mindy understand this, but can't seem to rein in their rebellious budget. This month was their most expensive month ever. And even though these expenses were planned, they nonetheless stung when reviewing them later. But even without these accounted expenses, Carl and Mindy have noticed the cost of goods going up while their stock portfolio continues to drop.

If you’re worried about high inflation, rising home prices, food prices, and everything in between, this is a great time to make the needed adjustments to your budget. This will save you not only a bunch of time but also stress when seeing shockingly high prices for everyday things.

Even financially free couples like Carl and Mindy need to reassess, and you may want to as well!




In This Episode We Cover

Mindy’s most expensive month ever recorded and why you should never books flights a month in advance 

Categories you can cut when an economic downturn hits so you (and your family) stay safe

Why saving is more special when you can truly enjoy the things you’re spending on

Rethinking early retirement and why now may not be the best time to leave the workforce

Budgeting, expense tracking, and keeping an eye on your overspending (before it gets out of hand)

And So Much More!




Links from the Show

BiggerPockets Money Facebook Group

BiggerPockets Forums

Finance Review Guest Onboarding

BiggerPockets Events

Mindy's Twitter

Apply to Be a Guest on The Money Show

Podcast Talent Search!

Subscribe to The “On The Market” YouTube Channel

Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets

Check Out Mindy’s 2022 Live Spending Tracker and Budget

1500 Days

1500 Days YouTube Channel]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC9091073280.mp3" length="39979531" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[When building your budget, do you have a line designated for “economic downturn” or “high inflation?” Probably not. Many financial freaks like Carl and Mindy Jensen don’t prepare for economic anomalies like rampant inflation or double-digit stock market losses. And like most Americans, they’re finding it hard to not spend more money every month.

Carl and Mindy understand this, but can't seem to rein in their rebellious budget. This month was their most expensive month ever. And even though these expenses were planned, they nonetheless stung when reviewing them later. But even without these accounted expenses, Carl and Mindy have noticed the cost of goods going up while their stock portfolio continues to drop.

If you’re worried about high inflation, rising home prices, food prices, and everything in between, this is a great time to make the needed adjustments to your budget. This will save you not only a bunch of time but also stress when seeing shockingly high prices for everyday things.

Even financially free couples like Carl and Mindy need to reassess, and you may want to as well!




In This Episode We Cover

Mindy’s most expensive month ever recorded and why you should never books flights a month in advance 

Categories you can cut when an economic downturn hits so you (and your family) stay safe

Why saving is more special when you can truly enjoy the things you’re spending on

Rethinking early retirement and why now may not be the best time to leave the workforce

Budgeting, expense tracking, and keeping an eye on your overspending (before it gets out of hand)

And So Much More!




Links from the Show

BiggerPockets Money Facebook Group

BiggerPockets Forums

Finance Review Guest Onboarding

BiggerPockets Events

Mindy's Twitter

Apply to Be a Guest on The Money Show

Podcast Talent Search!

Subscribe to The “On The Market” YouTube Channel

Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets

Check Out Mindy’s 2022 Live Spending Tracker and Budget

1500 Days

1500 Days YouTube Channel]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[When building your budget, do you have a line designated for “economic downturn” or “high inflation?” Probably not. Many financial freaks like Carl and Mindy Jensen don’t prepare for economic anomalies like rampant inflation or double-digit stock market losses. And like most Americans, they’re finding it hard to not spend more money every month.

Carl and Mindy understand this, but can't seem to rein in their rebellious budget. This month was their most expensive month ever. And even though these expenses were planned, they nonetheless stung when reviewing them later. But even without these accounted expenses, Carl and Mindy have noticed the cost of goods going up while their stock portfolio continues to drop.

If you’re worried about high inflation, rising home prices, food prices, and everything in between, this is a great time to make the needed adjustments to your budget. This will save you not only a bunch of time but also stress when seeing shockingly high prices for everyday th]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>315: From 400 Credit Score to Making $17,000/Month in Passive Income</title>
	<link>https://biggerpocketsmoney.com/podcast/315-from-400-credit-score-to-making-17000-month-in-passive-income/</link>
	<pubDate>Mon, 04 Jul 2022 06:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">gid://art19-episode-locator/V0/iVKL3UjaSV_eax_F6hwMAFwcyAWxEi4sy4gj5aQIwZY</guid>
	<description><![CDATA[Passive income and credit scores. While they don't entirely rely on each other, having good credit does allow you to build passive income streams far faster. Andrew Brazell learned this the hard way, but thankfully profited big time by making some needed changes. Less than a decade or so ago, Andrew was living in a rat-infested apartment, riddled with credit card and student loan debt, spending all of his money every month. He felt financially hopeless until he struck up a conversation with his Rugby teammate, and BiggerPockets CEO, Scott Trench.

Scott personally helped Andrew dig himself out of a debt hole, start house hacking, and get well on his way to financial freedom. From there, Andrew understood the formula—save your money, buy income-producing assets, and repeat until financially free. Andrew took this lesson to heart, and shortly after paying off his debt, began rental arbitraging his apartment, helping him eliminate his cost of living. That’s when he met Haley Ferguson, his future wife, and a soon-to-be top short-term rental host.

The duo saved their money and bought their first house hack property. And, because of smart landlording, they were able to bring in more than double their mortgage payment in rent alone, allowing them to live at a profit. Now, they’re well on their way to buying even more properties, helping them go from financial fiasco to financial freedom, and finally financial abundance.




In This Episode We Cover

How to save money every month so you can pay off debt, invest, or just have peace of mind

House hacking, rental arbitrage, and other ways you can eliminate your cost of living

Reducing your credit card, medical, or other debts by making a simple phone call

Lifestyle creep and why every financial freedom chaser should resist it

Vacation rental investing and the massive profits that come with it

Purchasing properties with the VA loan and using low down payment loans to scale your real estate portfolio

And So Much More




Links from the Show

BiggerPockets Money Facebook Group

BiggerPockets Forums

Finance Review Guest Onboarding

Mindy's Twitter

Scott's Instagram

Apply to Be a Guest on The Money Show

Podcast Talent Search!

Subscribe to The “On The Market” YouTube Channel

Biggerpockets Bookstore

Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets

How to Create Financial Security (From Scratch!) and Become “Set for Life”

300 Doors, 100% Creative Financing with Pace Morby

Airbnb]]></description>
	<itunes:subtitle><![CDATA[Passive income and credit scores. While they dont entirely rely on each other, having good credit does allow you to build passive income streams far faster. Andrew Brazell learned this the hard way, but thankfully profited big time by making some needed ]]></itunes:subtitle>
	<content:encoded><![CDATA[Passive income and credit scores. While they don't entirely rely on each other, having good credit does allow you to build passive income streams far faster. Andrew Brazell learned this the hard way, but thankfully profited big time by making some needed changes. Less than a decade or so ago, Andrew was living in a rat-infested apartment, riddled with credit card and student loan debt, spending all of his money every month. He felt financially hopeless until he struck up a conversation with his Rugby teammate, and BiggerPockets CEO, Scott Trench.

Scott personally helped Andrew dig himself out of a debt hole, start house hacking, and get well on his way to financial freedom. From there, Andrew understood the formula—save your money, buy income-producing assets, and repeat until financially free. Andrew took this lesson to heart, and shortly after paying off his debt, began rental arbitraging his apartment, helping him eliminate his cost of living. That’s when he met Haley Ferguson, his future wife, and a soon-to-be top short-term rental host.

The duo saved their money and bought their first house hack property. And, because of smart landlording, they were able to bring in more than double their mortgage payment in rent alone, allowing them to live at a profit. Now, they’re well on their way to buying even more properties, helping them go from financial fiasco to financial freedom, and finally financial abundance.




In This Episode We Cover

How to save money every month so you can pay off debt, invest, or just have peace of mind

House hacking, rental arbitrage, and other ways you can eliminate your cost of living

Reducing your credit card, medical, or other debts by making a simple phone call

Lifestyle creep and why every financial freedom chaser should resist it

Vacation rental investing and the massive profits that come with it

Purchasing properties with the VA loan and using low down payment loans to scale your real estate portfolio

And So Much More




Links from the Show

BiggerPockets Money Facebook Group

BiggerPockets Forums

Finance Review Guest Onboarding

Mindy's Twitter

Scott's Instagram

Apply to Be a Guest on The Money Show

Podcast Talent Search!

Subscribe to The “On The Market” YouTube Channel

Biggerpockets Bookstore

Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets

How to Create Financial Security (From Scratch!) and Become “Set for Life”

300 Doors, 100% Creative Financing with Pace Morby

Airbnb]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC2268466236.mp3" length="106627746" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[Passive income and credit scores. While they don't entirely rely on each other, having good credit does allow you to build passive income streams far faster. Andrew Brazell learned this the hard way, but thankfully profited big time by making some needed changes. Less than a decade or so ago, Andrew was living in a rat-infested apartment, riddled with credit card and student loan debt, spending all of his money every month. He felt financially hopeless until he struck up a conversation with his Rugby teammate, and BiggerPockets CEO, Scott Trench.

Scott personally helped Andrew dig himself out of a debt hole, start house hacking, and get well on his way to financial freedom. From there, Andrew understood the formula—save your money, buy income-producing assets, and repeat until financially free. Andrew took this lesson to heart, and shortly after paying off his debt, began rental arbitraging his apartment, helping him eliminate his cost of living. That’s when he met Haley Ferguson, his future wife, and a soon-to-be top short-term rental host.

The duo saved their money and bought their first house hack property. And, because of smart landlording, they were able to bring in more than double their mortgage payment in rent alone, allowing them to live at a profit. Now, they’re well on their way to buying even more properties, helping them go from financial fiasco to financial freedom, and finally financial abundance.




In This Episode We Cover

How to save money every month so you can pay off debt, invest, or just have peace of mind

House hacking, rental arbitrage, and other ways you can eliminate your cost of living

Reducing your credit card, medical, or other debts by making a simple phone call

Lifestyle creep and why every financial freedom chaser should resist it

Vacation rental investing and the massive profits that come with it

Purchasing properties with the VA loan and using low down payment loans to scale your real estate portfolio

And So Much More




Links from the Show

BiggerPockets Money Facebook Group

BiggerPockets Forums

Finance Review Guest Onboarding

Mindy's Twitter

Scott's Instagram

Apply to Be a Guest on The Money Show

Podcast Talent Search!

Subscribe to The “On The Market” YouTube Channel

Biggerpockets Bookstore

Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets

How to Create Financial Security (From Scratch!) and Become “Set for Life”

300 Doors, 100% Creative Financing with Pace Morby

Airbnb]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[Passive income and credit scores. While they don't entirely rely on each other, having good credit does allow you to build passive income streams far faster. Andrew Brazell learned this the hard way, but thankfully profited big time by making some needed changes. Less than a decade or so ago, Andrew was living in a rat-infested apartment, riddled with credit card and student loan debt, spending all of his money every month. He felt financially hopeless until he struck up a conversation with his Rugby teammate, and BiggerPockets CEO, Scott Trench.

Scott personally helped Andrew dig himself out of a debt hole, start house hacking, and get well on his way to financial freedom. From there, Andrew understood the formula—save your money, buy income-producing assets, and repeat until financially free. Andrew took this lesson to heart, and shortly after paying off his debt, began rental arbitraging his apartment, helping him eliminate his cost of living. That’s when he met Haley Ferguson, hi]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>314: Finance Friday: How to Get to Early Retirement Even Faster</title>
	<link>https://biggerpocketsmoney.com/podcast/314-finance-friday-how-to-get-to-early-retirement-even-faster/</link>
	<pubDate>Fri, 01 Jul 2022 06:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">gid://art19-episode-locator/V0/arBylILRq98kvELiBBCZlyhrIGf0o7M4pOAn4C3yTtM</guid>
	<description><![CDATA[Those searching how to retire early usually come away with one conclusion—you have to make much, much more money. Most financial independence pursuers think that a large salary or enormous sum of assets is what will bring them closer to FI. Fortunately for you, that isn’t always the case, and you’ll see exactly why when we talk to today’s Finance Friday guest, Rebecca.

Rebecca makes a great salary. Actually, she makes two great salaries, working at her government job during the dayand her technical writing job at night. She’s pulling in six figures, owns her own home, and splits expenses with her boyfriend. But she’s struggling to put together a passive income portfolio that will give her a good amount of monthly income when she decides to leave work. So what’s the missing piece in this passive income puzzle?

Scott and Mindy sift through Rebecca’s finances and find some strikingly simple ways that she (and all of you) can save money every month and get to financial freedom decades in advance. This strategy isn’t hard, but it will take a little bit of willpower to get done. Thankfully, even those FIRE movement and financial freedom chasers who aren’t die-hard FI fanatics can still take these lessons to heart.

In This Episode We Cover

Building a passive income plan that can carry you along in early retirement

Budgeting and expense tracking that can save you hundreds (or thousands) a month

Emergency funds and “financial runway” that’ll give you more choices in life

When luxury spending (pool cleaners, house cleaners, etc.) is acceptable

House hacking and how to build wealth all while lowering your housing costs 

The “true value” of your retirement pension and why it may not be worth the extra years of service

And So Much More!




Links from the Show

BiggerPockets Money Facebook Group

BiggerPockets Forums

Finance Review Guest Onboarding

Scott's Instagram

Mindy's Twitter

Listen to All Your Favorite BiggerPockets Podcasts in One Place

Apply to Be a Guest on The Money Show

Podcast Talent Search!

Subscribe to The “On The Market” YouTube Channel

Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets

Check Out Mindy’s 2022 Live Spending Tracker and Budget

Amazon

Finance Friday: Sell (Don’t Rent) Your Primary Residence When You Move Out

Pensions 101: Are Pensions Worth It? w/ Grumpus Maximus




Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Check out our sponsor page!]]></description>
	<itunes:subtitle><![CDATA[Those searching how to retire early usually come away with one conclusion—you have to make much, much more money. Most financial independence pursuers think that a large salary or enormous sum of assets is what will bring them closer to FI. Fortunately f]]></itunes:subtitle>
	<content:encoded><![CDATA[Those searching how to retire early usually come away with one conclusion—you have to make much, much more money. Most financial independence pursuers think that a large salary or enormous sum of assets is what will bring them closer to FI. Fortunately for you, that isn’t always the case, and you’ll see exactly why when we talk to today’s Finance Friday guest, Rebecca.

Rebecca makes a great salary. Actually, she makes two great salaries, working at her government job during the dayand her technical writing job at night. She’s pulling in six figures, owns her own home, and splits expenses with her boyfriend. But she’s struggling to put together a passive income portfolio that will give her a good amount of monthly income when she decides to leave work. So what’s the missing piece in this passive income puzzle?

Scott and Mindy sift through Rebecca’s finances and find some strikingly simple ways that she (and all of you) can save money every month and get to financial freedom decades in advance. This strategy isn’t hard, but it will take a little bit of willpower to get done. Thankfully, even those FIRE movement and financial freedom chasers who aren’t die-hard FI fanatics can still take these lessons to heart.

In This Episode We Cover

Building a passive income plan that can carry you along in early retirement

Budgeting and expense tracking that can save you hundreds (or thousands) a month

Emergency funds and “financial runway” that’ll give you more choices in life

When luxury spending (pool cleaners, house cleaners, etc.) is acceptable

House hacking and how to build wealth all while lowering your housing costs 

The “true value” of your retirement pension and why it may not be worth the extra years of service

And So Much More!




Links from the Show

BiggerPockets Money Facebook Group

BiggerPockets Forums

Finance Review Guest Onboarding

Scott's Instagram

Mindy's Twitter

Listen to All Your Favorite BiggerPockets Podcasts in One Place

Apply to Be a Guest on The Money Show

Podcast Talent Search!

Subscribe to The “On The Market” YouTube Channel

Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets

Check Out Mindy’s 2022 Live Spending Tracker and Budget

Amazon

Finance Friday: Sell (Don’t Rent) Your Primary Residence When You Move Out

Pensions 101: Are Pensions Worth It? w/ Grumpus Maximus




Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Check out our sponsor page!]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC8856818596.mp3" length="78530874" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[Those searching how to retire early usually come away with one conclusion—you have to make much, much more money. Most financial independence pursuers think that a large salary or enormous sum of assets is what will bring them closer to FI. Fortunately for you, that isn’t always the case, and you’ll see exactly why when we talk to today’s Finance Friday guest, Rebecca.

Rebecca makes a great salary. Actually, she makes two great salaries, working at her government job during the dayand her technical writing job at night. She’s pulling in six figures, owns her own home, and splits expenses with her boyfriend. But she’s struggling to put together a passive income portfolio that will give her a good amount of monthly income when she decides to leave work. So what’s the missing piece in this passive income puzzle?

Scott and Mindy sift through Rebecca’s finances and find some strikingly simple ways that she (and all of you) can save money every month and get to financial freedom decades in advance. This strategy isn’t hard, but it will take a little bit of willpower to get done. Thankfully, even those FIRE movement and financial freedom chasers who aren’t die-hard FI fanatics can still take these lessons to heart.

In This Episode We Cover

Building a passive income plan that can carry you along in early retirement

Budgeting and expense tracking that can save you hundreds (or thousands) a month

Emergency funds and “financial runway” that’ll give you more choices in life

When luxury spending (pool cleaners, house cleaners, etc.) is acceptable

House hacking and how to build wealth all while lowering your housing costs 

The “true value” of your retirement pension and why it may not be worth the extra years of service

And So Much More!




Links from the Show

BiggerPockets Money Facebook Group

BiggerPockets Forums

Finance Review Guest Onboarding

Scott's Instagram

Mindy's Twitter

Listen to All Your Favorite BiggerPockets Podcasts in One Place

Apply to Be a Guest on The Money Show

Podcast Talent Search!

Subscribe to The “On The Market” YouTube Channel

Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets

Check Out Mindy’s 2022 Live Spending Tracker and Budget

Amazon

Finance Friday: Sell (Don’t Rent) Your Primary Residence When You Move Out

Pensions 101: Are Pensions Worth It? w/ Grumpus Maximus




Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Check out our sponsor page!]]></itunes:summary>
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	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[Those searching how to retire early usually come away with one conclusion—you have to make much, much more money. Most financial independence pursuers think that a large salary or enormous sum of assets is what will bring them closer to FI. Fortunately for you, that isn’t always the case, and you’ll see exactly why when we talk to today’s Finance Friday guest, Rebecca.

Rebecca makes a great salary. Actually, she makes two great salaries, working at her government job during the dayand her technical writing job at night. She’s pulling in six figures, owns her own home, and splits expenses with her boyfriend. But she’s struggling to put together a passive income portfolio that will give her a good amount of monthly income when she decides to leave work. So what’s the missing piece in this passive income puzzle?

Scott and Mindy sift through Rebecca’s finances and find some strikingly simple ways that she (and all of you) can save money every month and get to financial freedom decades i]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
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<item>
	<title>313: The “Perfect” Investment Portfolio for Early Retirement w/Ask The Money Coach</title>
	<link>https://biggerpocketsmoney.com/podcast/313-the-perfect-investment-portfolio-for-early-retirement-w-ask-the-money-coach/</link>
	<pubDate>Mon, 27 Jun 2022 06:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">gid://art19-episode-locator/V0/XUYpqW8JP33vyWu6cUxVNgmRfhDuTs_A4IDVEI-tY1U</guid>
	<description><![CDATA[Early retirement is one of those common personal finance topics that always comes up on the show. It’s arguably the most talked-about subject in our Facebook group and is a common theme among guests on the show. But what does a time-tested, well-respected financial journalist and coach think about retiring early? What does the “perfect” early retirement plan look like if you’re starting from scratch?

Today we’re joined by Ask The Money Coach’s Lynnette Khalfani-Cox, who is used to getting personal finance questions thrown at her all day long. She’s dug deep into everything surrounding investing and early retirement. From stocks to I Bonds, to real estate investing and cryptocurrency—if you’re interested in building (and maintaining) wealth, Lynnette’s website and books have something that will help you on your benjamin-stacking journey.

Mindy and Scott take some of the top investing, saving, and retirement questions from the BiggerPockets Money Facebook Group and ask Lynnette her opinion on them. Hear answers to top questions like when to invest and when to pay off debt, what makes the “perfect” portfolio, how to stop saving and start spending when you retire, and whether to invest for retirement or start a business.




In This Episode We Cover

The debt payoff schedule you should follow if you want to invest while shedding consumer debt

I Bonds explained and how to get around the $10,000 personal purchase limit

Transitioning from “save mode” to “spend mode” when you’ve hit your retirement goal

How to introduce others to personal finance (without it sounding like a lecture)

What to do before you start a business and getting your personal finances in order

Why younger generations of investors are choosing more “risky” investment options 

And So Much More!




Links from the Show

BiggerPockets Money Facebook Group

BiggerPockets Forums

Finance Review Guest Onboarding

Mindy's Twitter

Scott's Instagram

Apply to Be a Guest on The Money Show

Podcast Talent Search!

Subscribe to The “On The Market” YouTube Channel

Biggerpockets Bookstore

Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets

Fueling Early Retirement at 36 with Just 4 Rental Properties

Investopedia Stock Simulator

Money Coach University]]></description>
	<itunes:subtitle><![CDATA[Early retirement is one of those common personal finance topics that always comes up on the show. It’s arguably the most talked-about subject in our Facebook group and is a common theme among guests on the show. But what does a time-tested, well-respecte]]></itunes:subtitle>
	<content:encoded><![CDATA[Early retirement is one of those common personal finance topics that always comes up on the show. It’s arguably the most talked-about subject in our Facebook group and is a common theme among guests on the show. But what does a time-tested, well-respected financial journalist and coach think about retiring early? What does the “perfect” early retirement plan look like if you’re starting from scratch?

Today we’re joined by Ask The Money Coach’s Lynnette Khalfani-Cox, who is used to getting personal finance questions thrown at her all day long. She’s dug deep into everything surrounding investing and early retirement. From stocks to I Bonds, to real estate investing and cryptocurrency—if you’re interested in building (and maintaining) wealth, Lynnette’s website and books have something that will help you on your benjamin-stacking journey.

Mindy and Scott take some of the top investing, saving, and retirement questions from the BiggerPockets Money Facebook Group and ask Lynnette her opinion on them. Hear answers to top questions like when to invest and when to pay off debt, what makes the “perfect” portfolio, how to stop saving and start spending when you retire, and whether to invest for retirement or start a business.




In This Episode We Cover

The debt payoff schedule you should follow if you want to invest while shedding consumer debt

I Bonds explained and how to get around the $10,000 personal purchase limit

Transitioning from “save mode” to “spend mode” when you’ve hit your retirement goal

How to introduce others to personal finance (without it sounding like a lecture)

What to do before you start a business and getting your personal finances in order

Why younger generations of investors are choosing more “risky” investment options 

And So Much More!




Links from the Show

BiggerPockets Money Facebook Group

BiggerPockets Forums

Finance Review Guest Onboarding

Mindy's Twitter

Scott's Instagram

Apply to Be a Guest on The Money Show

Podcast Talent Search!

Subscribe to The “On The Market” YouTube Channel

Biggerpockets Bookstore

Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets

Fueling Early Retirement at 36 with Just 4 Rental Properties

Investopedia Stock Simulator

Money Coach University]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC9881992413.mp3" length="55392025" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[Early retirement is one of those common personal finance topics that always comes up on the show. It’s arguably the most talked-about subject in our Facebook group and is a common theme among guests on the show. But what does a time-tested, well-respected financial journalist and coach think about retiring early? What does the “perfect” early retirement plan look like if you’re starting from scratch?

Today we’re joined by Ask The Money Coach’s Lynnette Khalfani-Cox, who is used to getting personal finance questions thrown at her all day long. She’s dug deep into everything surrounding investing and early retirement. From stocks to I Bonds, to real estate investing and cryptocurrency—if you’re interested in building (and maintaining) wealth, Lynnette’s website and books have something that will help you on your benjamin-stacking journey.

Mindy and Scott take some of the top investing, saving, and retirement questions from the BiggerPockets Money Facebook Group and ask Lynnette her opinion on them. Hear answers to top questions like when to invest and when to pay off debt, what makes the “perfect” portfolio, how to stop saving and start spending when you retire, and whether to invest for retirement or start a business.




In This Episode We Cover

The debt payoff schedule you should follow if you want to invest while shedding consumer debt

I Bonds explained and how to get around the $10,000 personal purchase limit

Transitioning from “save mode” to “spend mode” when you’ve hit your retirement goal

How to introduce others to personal finance (without it sounding like a lecture)

What to do before you start a business and getting your personal finances in order

Why younger generations of investors are choosing more “risky” investment options 

And So Much More!




Links from the Show

BiggerPockets Money Facebook Group

BiggerPockets Forums

Finance Review Guest Onboarding

Mindy's Twitter

Scott's Instagram

Apply to Be a Guest on The Money Show

Podcast Talent Search!

Subscribe to The “On The Market” YouTube Channel

Biggerpockets Bookstore

Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets

Fueling Early Retirement at 36 with Just 4 Rental Properties

Investopedia Stock Simulator

Money Coach University]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[Early retirement is one of those common personal finance topics that always comes up on the show. It’s arguably the most talked-about subject in our Facebook group and is a common theme among guests on the show. But what does a time-tested, well-respected financial journalist and coach think about retiring early? What does the “perfect” early retirement plan look like if you’re starting from scratch?

Today we’re joined by Ask The Money Coach’s Lynnette Khalfani-Cox, who is used to getting personal finance questions thrown at her all day long. She’s dug deep into everything surrounding investing and early retirement. From stocks to I Bonds, to real estate investing and cryptocurrency—if you’re interested in building (and maintaining) wealth, Lynnette’s website and books have something that will help you on your benjamin-stacking journey.

Mindy and Scott take some of the top investing, saving, and retirement questions from the BiggerPockets Money Facebook Group and ask Lynnette her op]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>312: Buy Now, Pay Later: Consumer Convenience or Predatory Pricing Scheme?</title>
	<link>https://biggerpocketsmoney.com/podcast/312-buy-now-pay-later-consumer-convenience-or-predatory-pricing-scheme/</link>
	<pubDate>Fri, 24 Jun 2022 06:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">gid://art19-episode-locator/V0/aLUnmyIQtf0CmQGKq0yIVOerZzRvVp9OIPr5-i8X4Lk</guid>
	<description><![CDATA[“Buy now, pay later” companies have been around for decades, but not in the form they take today. You may have noticed that when you check out from an online store, a little prompt asks you if you want to purchase your goods for just “four easy payments of…” It seems like a good deal, doesn’t it? You can buy the same goods, for less, today, with no interest payments! Before you add those shoes to your cart, think twice before selecting the “buy now, pay later” option.

Alexi Horowitz-Ghazi, NPR reporter and host of Planet Money, was interested in how this type of interest-free internet shopping is affecting consumers. Through his research, he found numerous examples of online shoppers overspending, getting into debt, and not knowing their total purchase price. The ease of paying just a fourth of a product’s price and getting it delivered in days became too much for many consumers to resist. And now, they’re paying the price.

If you don’t want to fall prey to this type of split-up pricing, you’ll want to hear what Alexi, David, and Mindy have to say. Using this type of “interest-free” credit could put your financial freedom in jeopardy—and no one wants to trade early retirement for a new swimsuit.




In This Episode We Cover

The “buy now, pay later” programs and how they target online shoppers

How buying now and paying later could affect your credit score in the long run

What happens when shoppers can’t pay their future installment loans?

Why US legislators are taking “buy now, pay later” companies to court 

The marketing tactics used by these companies to get you to spend more at checkout

Why saving now and buying later will help your future finances

And So Much More!




Links from the Show

BiggerPockets Money Facebook Group

BiggerPockets Forums

Finance Review Guest Onboarding

Mindy's Twitter

Listen to All Your Favorite BiggerPockets Podcasts in One Place

Apply to Be a Guest on The Money Show

Podcast Talent Search!

Subscribe to The “On The Market” YouTube Channel

Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets

Check Out Mindy’s 2022 Live Spending Tracker and Budget




Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Check out our sponsor page!]]></description>
	<itunes:subtitle><![CDATA[“Buy now, pay later” companies have been around for decades, but not in the form they take today. You may have noticed that when you check out from an online store, a little prompt asks you if you want to purchase your goods for just “four easy payments ]]></itunes:subtitle>
	<content:encoded><![CDATA[“Buy now, pay later” companies have been around for decades, but not in the form they take today. You may have noticed that when you check out from an online store, a little prompt asks you if you want to purchase your goods for just “four easy payments of…” It seems like a good deal, doesn’t it? You can buy the same goods, for less, today, with no interest payments! Before you add those shoes to your cart, think twice before selecting the “buy now, pay later” option.

Alexi Horowitz-Ghazi, NPR reporter and host of Planet Money, was interested in how this type of interest-free internet shopping is affecting consumers. Through his research, he found numerous examples of online shoppers overspending, getting into debt, and not knowing their total purchase price. The ease of paying just a fourth of a product’s price and getting it delivered in days became too much for many consumers to resist. And now, they’re paying the price.

If you don’t want to fall prey to this type of split-up pricing, you’ll want to hear what Alexi, David, and Mindy have to say. Using this type of “interest-free” credit could put your financial freedom in jeopardy—and no one wants to trade early retirement for a new swimsuit.




In This Episode We Cover

The “buy now, pay later” programs and how they target online shoppers

How buying now and paying later could affect your credit score in the long run

What happens when shoppers can’t pay their future installment loans?

Why US legislators are taking “buy now, pay later” companies to court 

The marketing tactics used by these companies to get you to spend more at checkout

Why saving now and buying later will help your future finances

And So Much More!




Links from the Show

BiggerPockets Money Facebook Group

BiggerPockets Forums

Finance Review Guest Onboarding

Mindy's Twitter

Listen to All Your Favorite BiggerPockets Podcasts in One Place

Apply to Be a Guest on The Money Show

Podcast Talent Search!

Subscribe to The “On The Market” YouTube Channel

Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets

Check Out Mindy’s 2022 Live Spending Tracker and Budget




Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Check out our sponsor page!]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC3927772621.mp3" length="51177968" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[“Buy now, pay later” companies have been around for decades, but not in the form they take today. You may have noticed that when you check out from an online store, a little prompt asks you if you want to purchase your goods for just “four easy payments of…” It seems like a good deal, doesn’t it? You can buy the same goods, for less, today, with no interest payments! Before you add those shoes to your cart, think twice before selecting the “buy now, pay later” option.

Alexi Horowitz-Ghazi, NPR reporter and host of Planet Money, was interested in how this type of interest-free internet shopping is affecting consumers. Through his research, he found numerous examples of online shoppers overspending, getting into debt, and not knowing their total purchase price. The ease of paying just a fourth of a product’s price and getting it delivered in days became too much for many consumers to resist. And now, they’re paying the price.

If you don’t want to fall prey to this type of split-up pricing, you’ll want to hear what Alexi, David, and Mindy have to say. Using this type of “interest-free” credit could put your financial freedom in jeopardy—and no one wants to trade early retirement for a new swimsuit.




In This Episode We Cover

The “buy now, pay later” programs and how they target online shoppers

How buying now and paying later could affect your credit score in the long run

What happens when shoppers can’t pay their future installment loans?

Why US legislators are taking “buy now, pay later” companies to court 

The marketing tactics used by these companies to get you to spend more at checkout

Why saving now and buying later will help your future finances

And So Much More!




Links from the Show

BiggerPockets Money Facebook Group

BiggerPockets Forums

Finance Review Guest Onboarding

Mindy's Twitter

Listen to All Your Favorite BiggerPockets Podcasts in One Place

Apply to Be a Guest on The Money Show

Podcast Talent Search!

Subscribe to The “On The Market” YouTube Channel

Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets

Check Out Mindy’s 2022 Live Spending Tracker and Budget




Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Check out our sponsor page!]]></itunes:summary>
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	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[“Buy now, pay later” companies have been around for decades, but not in the form they take today. You may have noticed that when you check out from an online store, a little prompt asks you if you want to purchase your goods for just “four easy payments of…” It seems like a good deal, doesn’t it? You can buy the same goods, for less, today, with no interest payments! Before you add those shoes to your cart, think twice before selecting the “buy now, pay later” option.

Alexi Horowitz-Ghazi, NPR reporter and host of Planet Money, was interested in how this type of interest-free internet shopping is affecting consumers. Through his research, he found numerous examples of online shoppers overspending, getting into debt, and not knowing their total purchase price. The ease of paying just a fourth of a product’s price and getting it delivered in days became too much for many consumers to resist. And now, they’re paying the price.

If you don’t want to fall prey to this type of split-up pri]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>311: How to Create Financial Security (From Scratch!) and Become “Set for Life”</title>
	<link>https://biggerpocketsmoney.com/podcast/311-how-to-create-financial-security-from-scratch-and-become-set-for-life/</link>
	<pubDate>Mon, 20 Jun 2022 06:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">gid://art19-episode-locator/V0/AtEvaaVDWPipjR2hobbT7dZiIL5sUhpaS4E2TUQ0NW4</guid>
	<description><![CDATA[What's stopping you from becoming debt-free? Everyone’s answers will vary, but one truth remains the same—excessive debt can prevent you from living the life you deserve. Today’s guest, Joe Bussey, took control of his life once he decided to pay off his $220,000 worth of debt and build a “financial runway” he could rely on.

Joe's debt accumulated as he did what everyone in his life told him to. He was in pursuit of a college education when his life took a series of unexpected and unfortunate twists and turns. It all started when he got robbed at gunpoint for all the money he saved for college. From there, he had to start from scratch to save up for school. He had to work several jobs, once working five jobs at a time, to keep up with rent and student loan payments. He then went back to school to pursue a better career but ended up in school for five more years—forcing him to take out even more student loans.By the time he graduated, he was $220,000 in debt.

After graduation, Joe was only making $1,000 a month and eventually fell into a deep depression. It was then Joe decided he needed a change, so he wrote out all his worries and came to one conclusion—they were financial problems. After doing some research, Joe came across BiggerPockets and Set for Life. He read the book cover to cover in one day, and a light bulb went off. After reading the book, Joe took control of his finances, saving up $25,000 in his bank account while paying off $100,000 in just fourteen months!




In This Episode We Cover

Financial runways and how to create financial security from scratch 

How to become “set for life” and the actionable steps you can take to start your journey to financial freedom 

Living off less than half your income and the importance of earning more and spending less

Using your Roth IRA to maximize retirement savings and find financial peace

The benefits of paying off student loans now and how to refinance them

And So Much More!




Links from the Show

BiggerPockets Money Facebook Group

BiggerPockets Forums

Finance Review Guest Onboarding

Mindy's Twitter

Scott's Instagram

Apply to Be a Guest on The Money Show

Podcast Talent Search!

Subscribe to The “On The Market” YouTube Channel

Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets

How to Become an “Overnight” Success in 10 Short Years with David Greene

Student Loans Update: Repayment, Refinancing, and Potential Forgiveness w/ Robert Farrington

How to Find Free Money to Finance Your Education &#38; Avoid Extensive Student Debt]]></description>
	<itunes:subtitle><![CDATA[Whats stopping you from becoming debt-free? Everyone’s answers will vary, but one truth remains the same—excessive debt can prevent you from living the life you deserve. Today’s guest, Joe Bussey, took control of his life once he decided to pay off his $]]></itunes:subtitle>
	<content:encoded><![CDATA[What's stopping you from becoming debt-free? Everyone’s answers will vary, but one truth remains the same—excessive debt can prevent you from living the life you deserve. Today’s guest, Joe Bussey, took control of his life once he decided to pay off his $220,000 worth of debt and build a “financial runway” he could rely on.

Joe's debt accumulated as he did what everyone in his life told him to. He was in pursuit of a college education when his life took a series of unexpected and unfortunate twists and turns. It all started when he got robbed at gunpoint for all the money he saved for college. From there, he had to start from scratch to save up for school. He had to work several jobs, once working five jobs at a time, to keep up with rent and student loan payments. He then went back to school to pursue a better career but ended up in school for five more years—forcing him to take out even more student loans.By the time he graduated, he was $220,000 in debt.

After graduation, Joe was only making $1,000 a month and eventually fell into a deep depression. It was then Joe decided he needed a change, so he wrote out all his worries and came to one conclusion—they were financial problems. After doing some research, Joe came across BiggerPockets and Set for Life. He read the book cover to cover in one day, and a light bulb went off. After reading the book, Joe took control of his finances, saving up $25,000 in his bank account while paying off $100,000 in just fourteen months!




In This Episode We Cover

Financial runways and how to create financial security from scratch 

How to become “set for life” and the actionable steps you can take to start your journey to financial freedom 

Living off less than half your income and the importance of earning more and spending less

Using your Roth IRA to maximize retirement savings and find financial peace

The benefits of paying off student loans now and how to refinance them

And So Much More!




Links from the Show

BiggerPockets Money Facebook Group

BiggerPockets Forums

Finance Review Guest Onboarding

Mindy's Twitter

Scott's Instagram

Apply to Be a Guest on The Money Show

Podcast Talent Search!

Subscribe to The “On The Market” YouTube Channel

Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets

How to Become an “Overnight” Success in 10 Short Years with David Greene

Student Loans Update: Repayment, Refinancing, and Potential Forgiveness w/ Robert Farrington

How to Find Free Money to Finance Your Education &#38; Avoid Extensive Student Debt]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC3247450427.mp3" length="86571385" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[What's stopping you from becoming debt-free? Everyone’s answers will vary, but one truth remains the same—excessive debt can prevent you from living the life you deserve. Today’s guest, Joe Bussey, took control of his life once he decided to pay off his $220,000 worth of debt and build a “financial runway” he could rely on.

Joe's debt accumulated as he did what everyone in his life told him to. He was in pursuit of a college education when his life took a series of unexpected and unfortunate twists and turns. It all started when he got robbed at gunpoint for all the money he saved for college. From there, he had to start from scratch to save up for school. He had to work several jobs, once working five jobs at a time, to keep up with rent and student loan payments. He then went back to school to pursue a better career but ended up in school for five more years—forcing him to take out even more student loans.By the time he graduated, he was $220,000 in debt.

After graduation, Joe was only making $1,000 a month and eventually fell into a deep depression. It was then Joe decided he needed a change, so he wrote out all his worries and came to one conclusion—they were financial problems. After doing some research, Joe came across BiggerPockets and Set for Life. He read the book cover to cover in one day, and a light bulb went off. After reading the book, Joe took control of his finances, saving up $25,000 in his bank account while paying off $100,000 in just fourteen months!




In This Episode We Cover

Financial runways and how to create financial security from scratch 

How to become “set for life” and the actionable steps you can take to start your journey to financial freedom 

Living off less than half your income and the importance of earning more and spending less

Using your Roth IRA to maximize retirement savings and find financial peace

The benefits of paying off student loans now and how to refinance them

And So Much More!




Links from the Show

BiggerPockets Money Facebook Group

BiggerPockets Forums

Finance Review Guest Onboarding

Mindy's Twitter

Scott's Instagram

Apply to Be a Guest on The Money Show

Podcast Talent Search!

Subscribe to The “On The Market” YouTube Channel

Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets

How to Become an “Overnight” Success in 10 Short Years with David Greene

Student Loans Update: Repayment, Refinancing, and Potential Forgiveness w/ Robert Farrington

How to Find Free Money to Finance Your Education &#38; Avoid Extensive Student Debt]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[What's stopping you from becoming debt-free? Everyone’s answers will vary, but one truth remains the same—excessive debt can prevent you from living the life you deserve. Today’s guest, Joe Bussey, took control of his life once he decided to pay off his $220,000 worth of debt and build a “financial runway” he could rely on.

Joe's debt accumulated as he did what everyone in his life told him to. He was in pursuit of a college education when his life took a series of unexpected and unfortunate twists and turns. It all started when he got robbed at gunpoint for all the money he saved for college. From there, he had to start from scratch to save up for school. He had to work several jobs, once working five jobs at a time, to keep up with rent and student loan payments. He then went back to school to pursue a better career but ended up in school for five more years—forcing him to take out even more student loans.By the time he graduated, he was $220,000 in debt.

After graduation, Joe was]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>310: Finance Friday: Sell (Don’t Rent) Your Primary Residence When You Move Out</title>
	<link>https://biggerpocketsmoney.com/podcast/310-finance-friday-sell-dont-rent-your-primary-residence-when-you-move-out/</link>
	<pubDate>Fri, 17 Jun 2022 06:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">gid://art19-episode-locator/V0/-UGDos64J-FgGHB0ynWOhjjnt8VgSFyXyaGbNj1dJTA</guid>
	<description><![CDATA[Retirement investing is a crucial part of planning for financial freedom. While early retirement is a status that almost everyone would love to achieve, the second-best thing is standard retirement, where you can use your smart investments to make the later years of your life that much easier. But, oftentimes those who are born with a strong work ethic don’t know when the right time to ease off retirement investing is. In some cases, even intelligent investors can find themselves with a lot of retirement income that can’t be touched until decades later.

Jill is trying to end up with a future of financial flexibility. She wants to be able to travel the world with her family,leave her W2 job (if she feels like it), and invest more in assets that give her the power of choice today. She has a very good income, impressive retirement accounts, and wants to take her first step into real estate investing. She’s planning on turning her primary residence into a short-term rental, while her family moves into the live in flip she’s buying next.

This rental property income should give her and her family a cushion of passive income to rely on, but she’ll need much more than this to become truly financially free. Scott and Mindy debate the “invest for later” vs. “invest for now” frames of mind, tackling which one will work best for Jill in her high-income but low passive cash flow situation.




In This Episode We CoverHow to get over your fear of debt when investing in real estateWhy you may want to sell your primary residence instead of rent it out (once you move)Avoiding capital gains taxes and taking home a BIG profit when selling a primary residenceBuilding equity and net worth through simple cosmetic live in flips Achieving financial flexibility and how overinvesting in retirement can hurt you in the short-runThe Rule of 72 and using it to quickly calculate how much you’ll have in retirementAnd So Much More!


Links from the ShowBiggerPockets Money Facebook GroupBiggerPockets ForumsFinance Review Guest OnboardingScott's InstagramMindy's TwitterApply to Be a Guest on The Money ShowPodcast Talent Search!Subscribe to The “On The Market” YouTube ChannelListen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPocketsCheck Out Mindy’s 2022 Live Spending Tracker and Budget


Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Check out our sponsor page!]]></description>
	<itunes:subtitle><![CDATA[Retirement investing is a crucial part of planning for financial freedom. While early retirement is a status that almost everyone would love to achieve, the second-best thing is standard retirement, where you can use your smart investments to make the la]]></itunes:subtitle>
	<content:encoded><![CDATA[Retirement investing is a crucial part of planning for financial freedom. While early retirement is a status that almost everyone would love to achieve, the second-best thing is standard retirement, where you can use your smart investments to make the later years of your life that much easier. But, oftentimes those who are born with a strong work ethic don’t know when the right time to ease off retirement investing is. In some cases, even intelligent investors can find themselves with a lot of retirement income that can’t be touched until decades later.

Jill is trying to end up with a future of financial flexibility. She wants to be able to travel the world with her family,leave her W2 job (if she feels like it), and invest more in assets that give her the power of choice today. She has a very good income, impressive retirement accounts, and wants to take her first step into real estate investing. She’s planning on turning her primary residence into a short-term rental, while her family moves into the live in flip she’s buying next.

This rental property income should give her and her family a cushion of passive income to rely on, but she’ll need much more than this to become truly financially free. Scott and Mindy debate the “invest for later” vs. “invest for now” frames of mind, tackling which one will work best for Jill in her high-income but low passive cash flow situation.




In This Episode We CoverHow to get over your fear of debt when investing in real estateWhy you may want to sell your primary residence instead of rent it out (once you move)Avoiding capital gains taxes and taking home a BIG profit when selling a primary residenceBuilding equity and net worth through simple cosmetic live in flips Achieving financial flexibility and how overinvesting in retirement can hurt you in the short-runThe Rule of 72 and using it to quickly calculate how much you’ll have in retirementAnd So Much More!


Links from the ShowBiggerPockets Money Facebook GroupBiggerPockets ForumsFinance Review Guest OnboardingScott's InstagramMindy's TwitterApply to Be a Guest on The Money ShowPodcast Talent Search!Subscribe to The “On The Market” YouTube ChannelListen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPocketsCheck Out Mindy’s 2022 Live Spending Tracker and Budget


Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Check out our sponsor page!]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC1196439671.mp3" length="59504787" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[Retirement investing is a crucial part of planning for financial freedom. While early retirement is a status that almost everyone would love to achieve, the second-best thing is standard retirement, where you can use your smart investments to make the later years of your life that much easier. But, oftentimes those who are born with a strong work ethic don’t know when the right time to ease off retirement investing is. In some cases, even intelligent investors can find themselves with a lot of retirement income that can’t be touched until decades later.

Jill is trying to end up with a future of financial flexibility. She wants to be able to travel the world with her family,leave her W2 job (if she feels like it), and invest more in assets that give her the power of choice today. She has a very good income, impressive retirement accounts, and wants to take her first step into real estate investing. She’s planning on turning her primary residence into a short-term rental, while her family moves into the live in flip she’s buying next.

This rental property income should give her and her family a cushion of passive income to rely on, but she’ll need much more than this to become truly financially free. Scott and Mindy debate the “invest for later” vs. “invest for now” frames of mind, tackling which one will work best for Jill in her high-income but low passive cash flow situation.




In This Episode We CoverHow to get over your fear of debt when investing in real estateWhy you may want to sell your primary residence instead of rent it out (once you move)Avoiding capital gains taxes and taking home a BIG profit when selling a primary residenceBuilding equity and net worth through simple cosmetic live in flips Achieving financial flexibility and how overinvesting in retirement can hurt you in the short-runThe Rule of 72 and using it to quickly calculate how much you’ll have in retirementAnd So Much More!


Links from the ShowBiggerPockets Money Facebook GroupBiggerPockets ForumsFinance Review Guest OnboardingScott's InstagramMindy's TwitterApply to Be a Guest on The Money ShowPodcast Talent Search!Subscribe to The “On The Market” YouTube ChannelListen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPocketsCheck Out Mindy’s 2022 Live Spending Tracker and Budget


Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Check out our sponsor page!]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[Retirement investing is a crucial part of planning for financial freedom. While early retirement is a status that almost everyone would love to achieve, the second-best thing is standard retirement, where you can use your smart investments to make the later years of your life that much easier. But, oftentimes those who are born with a strong work ethic don’t know when the right time to ease off retirement investing is. In some cases, even intelligent investors can find themselves with a lot of retirement income that can’t be touched until decades later.

Jill is trying to end up with a future of financial flexibility. She wants to be able to travel the world with her family,leave her W2 job (if she feels like it), and invest more in assets that give her the power of choice today. She has a very good income, impressive retirement accounts, and wants to take her first step into real estate investing. She’s planning on turning her primary residence into a short-term rental, while her fam]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>309: Bonds: The Perfect Inflation Hedge (with One BIG Caveat)</title>
	<link>https://biggerpocketsmoney.com/podcast/309-bonds-the-perfect-inflation-hedge-with-one-big-caveat/</link>
	<pubDate>Mon, 13 Jun 2022 06:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">gid://art19-episode-locator/V0/Htg7wZqZOokraDrMleii5jAPxrRBSK3234g87hbbPA4</guid>
	<description><![CDATA[I Bonds, and treasury bonds in general, have always been thought of as the “retiree's investment choice.” For those that have a short time horizon on investments, bonds have made perfect sense. With a guaranteed return, there isn’t a lot to risk for someone close to retirement age who simply wants to watch their investments stabilize—not grow or decline. And in today’s high-inflation environment, more and more individuals are realizing how worthwhile bonds are, especially as their traditional assets start to nosedive. 

Neither Mindy nor Scott have heavy allocations in the bond market, so to understand these interesting assets a bit more they invited Shane Shepherd, Assistant Professor at USC’s School of Business, to the show. Shane has seen a recent pique in interest from his students in a few certain subjects—inflation, rising interest rates, and bonds. It seems like even the young generation of investors want to safely store their cash during pre-recession markets. But, does Shane think that I Bonds are a smarter way to save?

If stock market slumps are starting to hit your portfolio hard, this may be the perfect episode to listen to. Shane describes exactly why so many Americans are investing in I Bonds while also explaining who should not contemplate investing in something as stable as bonds. His advice could help you keep pace with inflation or buy killer deals in the coming months!




In This Episode We Cover

I Bonds explained and how they can help you minimize the effects inflation has on your portfolio 

Nominal yield vs. real yield and why you must understand the difference before you invest

What happens to bonds if the US enters into an deflationary period 

Who should (and more importantly shouldn’t) start investing in bonds 

The downside of diversifying and why bonds are a safe, but static investment 

How taking on real estate debt could beat bond rates while building wealth for you

And So Much More!




Links from the Show

BiggerPockets Money Facebook Group

BiggerPockets Forums

Finance Review Guest Onboarding

Mindy's Twitter

Scott's Instagram

Apply to Be a Guest on The Money Show

Podcast Talent Search!

Subscribe to The “On The Market” YouTube Channel

Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets

Coronavirus: Is It Time to Give Up on Financial Independence?

Former Fed President Warns Easy Money Will Bring Big Consequences for Investors w/ Tom Hoenig]]></description>
	<itunes:subtitle><![CDATA[I Bonds, and treasury bonds in general, have always been thought of as the “retirees investment choice.” For those that have a short time horizon on investments, bonds have made perfect sense. With a guaranteed return, there isn’t a lot to risk for someo]]></itunes:subtitle>
	<content:encoded><![CDATA[I Bonds, and treasury bonds in general, have always been thought of as the “retiree's investment choice.” For those that have a short time horizon on investments, bonds have made perfect sense. With a guaranteed return, there isn’t a lot to risk for someone close to retirement age who simply wants to watch their investments stabilize—not grow or decline. And in today’s high-inflation environment, more and more individuals are realizing how worthwhile bonds are, especially as their traditional assets start to nosedive. 

Neither Mindy nor Scott have heavy allocations in the bond market, so to understand these interesting assets a bit more they invited Shane Shepherd, Assistant Professor at USC’s School of Business, to the show. Shane has seen a recent pique in interest from his students in a few certain subjects—inflation, rising interest rates, and bonds. It seems like even the young generation of investors want to safely store their cash during pre-recession markets. But, does Shane think that I Bonds are a smarter way to save?

If stock market slumps are starting to hit your portfolio hard, this may be the perfect episode to listen to. Shane describes exactly why so many Americans are investing in I Bonds while also explaining who should not contemplate investing in something as stable as bonds. His advice could help you keep pace with inflation or buy killer deals in the coming months!




In This Episode We Cover

I Bonds explained and how they can help you minimize the effects inflation has on your portfolio 

Nominal yield vs. real yield and why you must understand the difference before you invest

What happens to bonds if the US enters into an deflationary period 

Who should (and more importantly shouldn’t) start investing in bonds 

The downside of diversifying and why bonds are a safe, but static investment 

How taking on real estate debt could beat bond rates while building wealth for you

And So Much More!




Links from the Show

BiggerPockets Money Facebook Group

BiggerPockets Forums

Finance Review Guest Onboarding

Mindy's Twitter

Scott's Instagram

Apply to Be a Guest on The Money Show

Podcast Talent Search!

Subscribe to The “On The Market” YouTube Channel

Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets

Coronavirus: Is It Time to Give Up on Financial Independence?

Former Fed President Warns Easy Money Will Bring Big Consequences for Investors w/ Tom Hoenig]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC6881963281.mp3" length="77798742" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[I Bonds, and treasury bonds in general, have always been thought of as the “retiree's investment choice.” For those that have a short time horizon on investments, bonds have made perfect sense. With a guaranteed return, there isn’t a lot to risk for someone close to retirement age who simply wants to watch their investments stabilize—not grow or decline. And in today’s high-inflation environment, more and more individuals are realizing how worthwhile bonds are, especially as their traditional assets start to nosedive. 

Neither Mindy nor Scott have heavy allocations in the bond market, so to understand these interesting assets a bit more they invited Shane Shepherd, Assistant Professor at USC’s School of Business, to the show. Shane has seen a recent pique in interest from his students in a few certain subjects—inflation, rising interest rates, and bonds. It seems like even the young generation of investors want to safely store their cash during pre-recession markets. But, does Shane think that I Bonds are a smarter way to save?

If stock market slumps are starting to hit your portfolio hard, this may be the perfect episode to listen to. Shane describes exactly why so many Americans are investing in I Bonds while also explaining who should not contemplate investing in something as stable as bonds. His advice could help you keep pace with inflation or buy killer deals in the coming months!




In This Episode We Cover

I Bonds explained and how they can help you minimize the effects inflation has on your portfolio 

Nominal yield vs. real yield and why you must understand the difference before you invest

What happens to bonds if the US enters into an deflationary period 

Who should (and more importantly shouldn’t) start investing in bonds 

The downside of diversifying and why bonds are a safe, but static investment 

How taking on real estate debt could beat bond rates while building wealth for you

And So Much More!




Links from the Show

BiggerPockets Money Facebook Group

BiggerPockets Forums

Finance Review Guest Onboarding

Mindy's Twitter

Scott's Instagram

Apply to Be a Guest on The Money Show

Podcast Talent Search!

Subscribe to The “On The Market” YouTube Channel

Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets

Coronavirus: Is It Time to Give Up on Financial Independence?

Former Fed President Warns Easy Money Will Bring Big Consequences for Investors w/ Tom Hoenig]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[I Bonds, and treasury bonds in general, have always been thought of as the “retiree's investment choice.” For those that have a short time horizon on investments, bonds have made perfect sense. With a guaranteed return, there isn’t a lot to risk for someone close to retirement age who simply wants to watch their investments stabilize—not grow or decline. And in today’s high-inflation environment, more and more individuals are realizing how worthwhile bonds are, especially as their traditional assets start to nosedive. 

Neither Mindy nor Scott have heavy allocations in the bond market, so to understand these interesting assets a bit more they invited Shane Shepherd, Assistant Professor at USC’s School of Business, to the show. Shane has seen a recent pique in interest from his students in a few certain subjects—inflation, rising interest rates, and bonds. It seems like even the young generation of investors want to safely store their cash during pre-recession markets. But, does Shane ]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>308: Why You Can’t Stop Overspending &#124; Mindy &#038; Carl’s Budget Review</title>
	<link>https://biggerpocketsmoney.com/podcast/308-why-you-cant-stop-overspending-mindy-carls-budget-review/</link>
	<pubDate>Fri, 10 Jun 2022 06:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">gid://art19-episode-locator/V0/BNo9NDEczQ0ce3dpI7rt6cscm7XQKo0ATMw0icTmZRw</guid>
	<description><![CDATA[Many FIRE chasers want to know how to stop overspending. But maybe the solution to overspending is simply knowing about it in the first place. For many Americans, credit card debt, exuberant living, and buying more than what they need are ongoing problems. And even for money masters like Carl and Mindy Jensen, it’s no different. As two leaders in the personal finance space, they understand why people overspend and how to stop it. But, as they’ve found out this year, giving advice can be easier than putting it into practice.

As many listeners know, Carl and Mindy have been publicly tracking their household spending. They’ve tried their hardest to stay within the limits they set for themselves, but some months' bills creep up on you more than others. In this monthly budget review, Carl and Mindy talk about why they’ve overspent, how to become more “money conscious”, and how to stop yourself from living a “money rich, lifestyle poor” life.

Editorial Correction: On a previous episode of the "BiggerPockets Money" podcast, we stated that gains in a 529 Plan account would be forfeited if not used for educational expenses. This is incorrect and we apologize for the mistake. If you’d like to know more about the 529 Plan rules and regulations, please visit this blog post. Thanks to our wonderful BiggerPockets Money Facebook Group members for pointing out this error! Happy investing! 




In This Episode We Cover

How to budget and expense track the right way (stay up to date on your inputs!)

Umbrella insurance and how to get better insurance coverage for even less

Why many millionaires choose not to use a budget

Carl and Mindy’s newest live in flip project purchase

May’s budget busters and how buying quality goods can save you more in the long run

How to stay “money conscious” while living a proactive (not reactive) life

And So Much More!




Links from the Show

BiggerPockets Money Facebook Group

BiggerPockets Forums

Finance Review Guest Onboarding

Mindy's Twitter

Apply to Be a Guest on The Money Show

Podcast Talent Search!

Subscribe to The “On The Market” YouTube Channel

Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets

Check Out Mindy’s 2022 Live Spending Tracker and Budget

529 Plan Rules - Nerdwallet article

Food Spending Eating Away at Your FI Plans? Here’s How to Eat for Cheap

Carl and Mindy’s Spending Summary: Why We Went $1,000 Over Budget…Again

1500 Days

1500 Days YouTube Channel]]></description>
	<itunes:subtitle><![CDATA[Many FIRE chasers want to know how to stop overspending. But maybe the solution to overspending is simply knowing about it in the first place. For many Americans, credit card debt, exuberant living, and buying more than what they need are ongoing problem]]></itunes:subtitle>
	<content:encoded><![CDATA[Many FIRE chasers want to know how to stop overspending. But maybe the solution to overspending is simply knowing about it in the first place. For many Americans, credit card debt, exuberant living, and buying more than what they need are ongoing problems. And even for money masters like Carl and Mindy Jensen, it’s no different. As two leaders in the personal finance space, they understand why people overspend and how to stop it. But, as they’ve found out this year, giving advice can be easier than putting it into practice.

As many listeners know, Carl and Mindy have been publicly tracking their household spending. They’ve tried their hardest to stay within the limits they set for themselves, but some months' bills creep up on you more than others. In this monthly budget review, Carl and Mindy talk about why they’ve overspent, how to become more “money conscious”, and how to stop yourself from living a “money rich, lifestyle poor” life.

Editorial Correction: On a previous episode of the "BiggerPockets Money" podcast, we stated that gains in a 529 Plan account would be forfeited if not used for educational expenses. This is incorrect and we apologize for the mistake. If you’d like to know more about the 529 Plan rules and regulations, please visit this blog post. Thanks to our wonderful BiggerPockets Money Facebook Group members for pointing out this error! Happy investing! 




In This Episode We Cover

How to budget and expense track the right way (stay up to date on your inputs!)

Umbrella insurance and how to get better insurance coverage for even less

Why many millionaires choose not to use a budget

Carl and Mindy’s newest live in flip project purchase

May’s budget busters and how buying quality goods can save you more in the long run

How to stay “money conscious” while living a proactive (not reactive) life

And So Much More!




Links from the Show

BiggerPockets Money Facebook Group

BiggerPockets Forums

Finance Review Guest Onboarding

Mindy's Twitter

Apply to Be a Guest on The Money Show

Podcast Talent Search!

Subscribe to The “On The Market” YouTube Channel

Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets

Check Out Mindy’s 2022 Live Spending Tracker and Budget

529 Plan Rules - Nerdwallet article

Food Spending Eating Away at Your FI Plans? Here’s How to Eat for Cheap

Carl and Mindy’s Spending Summary: Why We Went $1,000 Over Budget…Again

1500 Days

1500 Days YouTube Channel]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC4952568878.mp3" length="41440082" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[Many FIRE chasers want to know how to stop overspending. But maybe the solution to overspending is simply knowing about it in the first place. For many Americans, credit card debt, exuberant living, and buying more than what they need are ongoing problems. And even for money masters like Carl and Mindy Jensen, it’s no different. As two leaders in the personal finance space, they understand why people overspend and how to stop it. But, as they’ve found out this year, giving advice can be easier than putting it into practice.

As many listeners know, Carl and Mindy have been publicly tracking their household spending. They’ve tried their hardest to stay within the limits they set for themselves, but some months' bills creep up on you more than others. In this monthly budget review, Carl and Mindy talk about why they’ve overspent, how to become more “money conscious”, and how to stop yourself from living a “money rich, lifestyle poor” life.

Editorial Correction: On a previous episode of the "BiggerPockets Money" podcast, we stated that gains in a 529 Plan account would be forfeited if not used for educational expenses. This is incorrect and we apologize for the mistake. If you’d like to know more about the 529 Plan rules and regulations, please visit this blog post. Thanks to our wonderful BiggerPockets Money Facebook Group members for pointing out this error! Happy investing! 




In This Episode We Cover

How to budget and expense track the right way (stay up to date on your inputs!)

Umbrella insurance and how to get better insurance coverage for even less

Why many millionaires choose not to use a budget

Carl and Mindy’s newest live in flip project purchase

May’s budget busters and how buying quality goods can save you more in the long run

How to stay “money conscious” while living a proactive (not reactive) life

And So Much More!




Links from the Show

BiggerPockets Money Facebook Group

BiggerPockets Forums

Finance Review Guest Onboarding

Mindy's Twitter

Apply to Be a Guest on The Money Show

Podcast Talent Search!

Subscribe to The “On The Market” YouTube Channel

Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets

Check Out Mindy’s 2022 Live Spending Tracker and Budget

529 Plan Rules - Nerdwallet article

Food Spending Eating Away at Your FI Plans? Here’s How to Eat for Cheap

Carl and Mindy’s Spending Summary: Why We Went $1,000 Over Budget…Again

1500 Days

1500 Days YouTube Channel]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[Many FIRE chasers want to know how to stop overspending. But maybe the solution to overspending is simply knowing about it in the first place. For many Americans, credit card debt, exuberant living, and buying more than what they need are ongoing problems. And even for money masters like Carl and Mindy Jensen, it’s no different. As two leaders in the personal finance space, they understand why people overspend and how to stop it. But, as they’ve found out this year, giving advice can be easier than putting it into practice.

As many listeners know, Carl and Mindy have been publicly tracking their household spending. They’ve tried their hardest to stay within the limits they set for themselves, but some months' bills creep up on you more than others. In this monthly budget review, Carl and Mindy talk about why they’ve overspent, how to become more “money conscious”, and how to stop yourself from living a “money rich, lifestyle poor” life.

Editorial Correction: On a previous episode of]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>307: The 4 Steps to Financial Freedom and Debt-Free Wealth</title>
	<link>https://biggerpocketsmoney.com/podcast/307-the-4-steps-to-financial-freedom-and-debt-free-wealth/</link>
	<pubDate>Mon, 06 Jun 2022 06:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">gid://art19-episode-locator/V0/0VNKdJrDZWjRVSAVfgW3TqMR9un3YbTsjzMUK9Qy7Gk</guid>
	<description><![CDATA[Want to work less and make more? With a forty-hour workweek, it seems hard to imagine a reality where you can do less but still get the same results. How can you fit an entire week’s worth of work into only one day’s working hours? Jason Wojo and Peter Kolat, hosts of The Lifeonaire Show, argue that it’s easier than you think to cut out much of your workday, enjoy your life more, and reach financial freedom faster.

Both Jason and Peter grew up in troubling financial environments—raised in households where fighting about money was the norm. As Jason and Peter grew up, took on careers, got married, and had families, they saw themselves falling into the same traps as their parents—taking on debt, overspending, and working far more than they had liked. After hitting “rock bottom”, they decided to take a step in the right direction and change their financial future.

With the help of a financially-free “vision”, Jason and Peter now live lives almost unrecognizable to their pasts. They now help others find their passions, chase their dreams, and achieve financial freedom with ease. So, if you’re tired of the grind, the stress, and the financial anxiety, you may want to consider becoming a “Lifeonaire” like Jason and Peter.




Links from the Show

Why healthy finances are key to keeping a family (and marriage) in-tact 

Hitting “rock bottom” and climbing out of credit card and consumer debt 

Building a rental property portfolio debt-free and how you can do it too

The four core tenants of money philosophy and why everything starts with your “vision”

The 80/20 Rule and why working less can help you make more money

Calculating the cost of financial freedom and why it’s probably less than you think

And So Much More!

Links from the Show

BiggerPockets Money Facebook Group

BiggerPockets Forums

Finance Review Guest Onboarding

Mindy's Twitter

Scott's Instagram

Apply to Be a Guest on The Money Show

Podcast Talent Search!

Subscribe to The “On The Market” YouTube Channel

Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets

How to Get Financial Freedom So You Can Do What You’re Meant to Do

Lifeonaire Website]]></description>
	<itunes:subtitle><![CDATA[Want to work less and make more? With a forty-hour workweek, it seems hard to imagine a reality where you can do less but still get the same results. How can you fit an entire week’s worth of work into only one day’s working hours? Jason Wojo and Peter K]]></itunes:subtitle>
	<content:encoded><![CDATA[Want to work less and make more? With a forty-hour workweek, it seems hard to imagine a reality where you can do less but still get the same results. How can you fit an entire week’s worth of work into only one day’s working hours? Jason Wojo and Peter Kolat, hosts of The Lifeonaire Show, argue that it’s easier than you think to cut out much of your workday, enjoy your life more, and reach financial freedom faster.

Both Jason and Peter grew up in troubling financial environments—raised in households where fighting about money was the norm. As Jason and Peter grew up, took on careers, got married, and had families, they saw themselves falling into the same traps as their parents—taking on debt, overspending, and working far more than they had liked. After hitting “rock bottom”, they decided to take a step in the right direction and change their financial future.

With the help of a financially-free “vision”, Jason and Peter now live lives almost unrecognizable to their pasts. They now help others find their passions, chase their dreams, and achieve financial freedom with ease. So, if you’re tired of the grind, the stress, and the financial anxiety, you may want to consider becoming a “Lifeonaire” like Jason and Peter.




Links from the Show

Why healthy finances are key to keeping a family (and marriage) in-tact 

Hitting “rock bottom” and climbing out of credit card and consumer debt 

Building a rental property portfolio debt-free and how you can do it too

The four core tenants of money philosophy and why everything starts with your “vision”

The 80/20 Rule and why working less can help you make more money

Calculating the cost of financial freedom and why it’s probably less than you think

And So Much More!

Links from the Show

BiggerPockets Money Facebook Group

BiggerPockets Forums

Finance Review Guest Onboarding

Mindy's Twitter

Scott's Instagram

Apply to Be a Guest on The Money Show

Podcast Talent Search!

Subscribe to The “On The Market” YouTube Channel

Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets

How to Get Financial Freedom So You Can Do What You’re Meant to Do

Lifeonaire Website]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC9713864969.mp3" length="74724531" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[Want to work less and make more? With a forty-hour workweek, it seems hard to imagine a reality where you can do less but still get the same results. How can you fit an entire week’s worth of work into only one day’s working hours? Jason Wojo and Peter Kolat, hosts of The Lifeonaire Show, argue that it’s easier than you think to cut out much of your workday, enjoy your life more, and reach financial freedom faster.

Both Jason and Peter grew up in troubling financial environments—raised in households where fighting about money was the norm. As Jason and Peter grew up, took on careers, got married, and had families, they saw themselves falling into the same traps as their parents—taking on debt, overspending, and working far more than they had liked. After hitting “rock bottom”, they decided to take a step in the right direction and change their financial future.

With the help of a financially-free “vision”, Jason and Peter now live lives almost unrecognizable to their pasts. They now help others find their passions, chase their dreams, and achieve financial freedom with ease. So, if you’re tired of the grind, the stress, and the financial anxiety, you may want to consider becoming a “Lifeonaire” like Jason and Peter.




Links from the Show

Why healthy finances are key to keeping a family (and marriage) in-tact 

Hitting “rock bottom” and climbing out of credit card and consumer debt 

Building a rental property portfolio debt-free and how you can do it too

The four core tenants of money philosophy and why everything starts with your “vision”

The 80/20 Rule and why working less can help you make more money

Calculating the cost of financial freedom and why it’s probably less than you think

And So Much More!

Links from the Show

BiggerPockets Money Facebook Group

BiggerPockets Forums

Finance Review Guest Onboarding

Mindy's Twitter

Scott's Instagram

Apply to Be a Guest on The Money Show

Podcast Talent Search!

Subscribe to The “On The Market” YouTube Channel

Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets

How to Get Financial Freedom So You Can Do What You’re Meant to Do

Lifeonaire Website]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[Want to work less and make more? With a forty-hour workweek, it seems hard to imagine a reality where you can do less but still get the same results. How can you fit an entire week’s worth of work into only one day’s working hours? Jason Wojo and Peter Kolat, hosts of The Lifeonaire Show, argue that it’s easier than you think to cut out much of your workday, enjoy your life more, and reach financial freedom faster.

Both Jason and Peter grew up in troubling financial environments—raised in households where fighting about money was the norm. As Jason and Peter grew up, took on careers, got married, and had families, they saw themselves falling into the same traps as their parents—taking on debt, overspending, and working far more than they had liked. After hitting “rock bottom”, they decided to take a step in the right direction and change their financial future.

With the help of a financially-free “vision”, Jason and Peter now live lives almost unrecognizable to their pasts. They now]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>306: Finance Friday: Self-Employed Income and Short-Term Rental Investing</title>
	<link>https://biggerpocketsmoney.com/podcast/306-finance-friday-self-employed-income-and-short-term-rental-investing/</link>
	<pubDate>Fri, 03 Jun 2022 06:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">gid://art19-episode-locator/V0/Ya7OUgbCHgi6ejtBPUmf3IAcYjq8KjywMbjF82DfJ2k</guid>
	<description><![CDATA[If you want to invest in real estate, you’ll need a few things: a property, an income source, and some cash. If you’ve got all three, you should be able to finance your way to owning a rental property, but this becomes a little more challenging when you’re someone with fluctuating income. Entrepreneurs, especially those without a consistent client base or consistent schedules, have a seriously hard time tracking, budgeting, and saving their income which changes every other month.

Chelsea and Wade feel this way as well. They’re both entrepreneurs, but, as a filmmaker, Wade has far more fluid income than Chelsea does. Some months Wade will bring in tens of thousands, while other months, nothing. Chelsea can subsidize the household budget with her more regular income, but even then, the couple needs to keep a strong safety reserve to ensure they’re never going too over budget without their bank account being refilled.

Thankfully, Chelsea and Wade are very good at managing their money and may actually have too much of it. They’relooking to dive into real estate investing to start building a path to financial freedom. With a serious amount of safety reserves, they’re thinking of buying a short-term rental as their first investment property. But, does their inconsistent income threaten their vacation rental plans?




In This Episode We Cover

How to manage emergency funds and safety reserves when self-employed

Retirement accounts vs. rental property investing and which is best for early FI

Saving for your child’s college and why a 529 plan may limit your child’s future choices

Self-employed health insurance and whether or not getting a job is worth the lucrative benefits

The most important metric to look at when investing in short-term rental properties 

Whether or not your cash position is too conservative for your investing goals

And So Much More!




Links from the Show

BiggerPockets Money Facebook Group

BiggerPockets Forums

Finance Review Guest Onboarding

Scott's Instagram

Mindy's Twitter

Apply to Be a Guest on The Money Show

Podcast Talent Search!

Subscribe to The “On The Market” YouTube Channel

Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets

Check Out Mindy’s 2022 Live Spending Tracker and Budget

How to Find Free Money to Finance Your Education &#38; Avoid Extensive Student Debt

Is College Worth the Cost? This 30,000 Variable Study Says “Sometimes…”

Why 40% of Master’s Degrees Aren’t Worth It (and Which Are) w/Preston Cooper

529 Plan Rules - Nerdwallet article]]></description>
	<itunes:subtitle><![CDATA[If you want to invest in real estate, you’ll need a few things: a property, an income source, and some cash. If you’ve got all three, you should be able to finance your way to owning a rental property, but this becomes a little more challenging when you’]]></itunes:subtitle>
	<content:encoded><![CDATA[If you want to invest in real estate, you’ll need a few things: a property, an income source, and some cash. If you’ve got all three, you should be able to finance your way to owning a rental property, but this becomes a little more challenging when you’re someone with fluctuating income. Entrepreneurs, especially those without a consistent client base or consistent schedules, have a seriously hard time tracking, budgeting, and saving their income which changes every other month.

Chelsea and Wade feel this way as well. They’re both entrepreneurs, but, as a filmmaker, Wade has far more fluid income than Chelsea does. Some months Wade will bring in tens of thousands, while other months, nothing. Chelsea can subsidize the household budget with her more regular income, but even then, the couple needs to keep a strong safety reserve to ensure they’re never going too over budget without their bank account being refilled.

Thankfully, Chelsea and Wade are very good at managing their money and may actually have too much of it. They’relooking to dive into real estate investing to start building a path to financial freedom. With a serious amount of safety reserves, they’re thinking of buying a short-term rental as their first investment property. But, does their inconsistent income threaten their vacation rental plans?




In This Episode We Cover

How to manage emergency funds and safety reserves when self-employed

Retirement accounts vs. rental property investing and which is best for early FI

Saving for your child’s college and why a 529 plan may limit your child’s future choices

Self-employed health insurance and whether or not getting a job is worth the lucrative benefits

The most important metric to look at when investing in short-term rental properties 

Whether or not your cash position is too conservative for your investing goals

And So Much More!




Links from the Show

BiggerPockets Money Facebook Group

BiggerPockets Forums

Finance Review Guest Onboarding

Scott's Instagram

Mindy's Twitter

Apply to Be a Guest on The Money Show

Podcast Talent Search!

Subscribe to The “On The Market” YouTube Channel

Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets

Check Out Mindy’s 2022 Live Spending Tracker and Budget

How to Find Free Money to Finance Your Education &#38; Avoid Extensive Student Debt

Is College Worth the Cost? This 30,000 Variable Study Says “Sometimes…”

Why 40% of Master’s Degrees Aren’t Worth It (and Which Are) w/Preston Cooper

529 Plan Rules - Nerdwallet article]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC2560872328.mp3" length="62819986" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[If you want to invest in real estate, you’ll need a few things: a property, an income source, and some cash. If you’ve got all three, you should be able to finance your way to owning a rental property, but this becomes a little more challenging when you’re someone with fluctuating income. Entrepreneurs, especially those without a consistent client base or consistent schedules, have a seriously hard time tracking, budgeting, and saving their income which changes every other month.

Chelsea and Wade feel this way as well. They’re both entrepreneurs, but, as a filmmaker, Wade has far more fluid income than Chelsea does. Some months Wade will bring in tens of thousands, while other months, nothing. Chelsea can subsidize the household budget with her more regular income, but even then, the couple needs to keep a strong safety reserve to ensure they’re never going too over budget without their bank account being refilled.

Thankfully, Chelsea and Wade are very good at managing their money and may actually have too much of it. They’relooking to dive into real estate investing to start building a path to financial freedom. With a serious amount of safety reserves, they’re thinking of buying a short-term rental as their first investment property. But, does their inconsistent income threaten their vacation rental plans?




In This Episode We Cover

How to manage emergency funds and safety reserves when self-employed

Retirement accounts vs. rental property investing and which is best for early FI

Saving for your child’s college and why a 529 plan may limit your child’s future choices

Self-employed health insurance and whether or not getting a job is worth the lucrative benefits

The most important metric to look at when investing in short-term rental properties 

Whether or not your cash position is too conservative for your investing goals

And So Much More!




Links from the Show

BiggerPockets Money Facebook Group

BiggerPockets Forums

Finance Review Guest Onboarding

Scott's Instagram

Mindy's Twitter

Apply to Be a Guest on The Money Show

Podcast Talent Search!

Subscribe to The “On The Market” YouTube Channel

Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets

Check Out Mindy’s 2022 Live Spending Tracker and Budget

How to Find Free Money to Finance Your Education &#38; Avoid Extensive Student Debt

Is College Worth the Cost? This 30,000 Variable Study Says “Sometimes…”

Why 40% of Master’s Degrees Aren’t Worth It (and Which Are) w/Preston Cooper

529 Plan Rules - Nerdwallet article]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[If you want to invest in real estate, you’ll need a few things: a property, an income source, and some cash. If you’ve got all three, you should be able to finance your way to owning a rental property, but this becomes a little more challenging when you’re someone with fluctuating income. Entrepreneurs, especially those without a consistent client base or consistent schedules, have a seriously hard time tracking, budgeting, and saving their income which changes every other month.

Chelsea and Wade feel this way as well. They’re both entrepreneurs, but, as a filmmaker, Wade has far more fluid income than Chelsea does. Some months Wade will bring in tens of thousands, while other months, nothing. Chelsea can subsidize the household budget with her more regular income, but even then, the couple needs to keep a strong safety reserve to ensure they’re never going too over budget without their bank account being refilled.

Thankfully, Chelsea and Wade are very good at managing their money a]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>305: What to Do Before You Quit the High-Pay &#038; Benefits of Corporate World</title>
	<link>https://biggerpocketsmoney.com/podcast/305-what-to-do-before-you-quit-the-high-pay-benefits-of-corporate-world/</link>
	<pubDate>Mon, 30 May 2022 06:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">gid://art19-episode-locator/V0/JWReDWEEDdF-l4rcwh2rRWXYAdcPupYB2MhE98W_khU</guid>
	<description><![CDATA[Before you quit your job, you will need to prepare yourself not just financially, but mentally. If you’re thinking of leaving your W2, and you're not at retirement age just yet, odds are you have a side hustle or even an entire small business. As the side hustle begins to grow, you may be torn between spending time at your job and putting in the hours to scale your business.

This is doubly true if you’re like Daniella Flores from I Like to Dabble, who is at a high-paying, fully-remote job with a solid share of benefits. Before she decided to scale down her full-time work, she had to come up with an action plan that would allow her to slowly slip away from corporate life, so she can avoid the instant shock of being an overnight entrepreneur.

Daniella has some helpful tips for anyone who thinks their time at a job is close to the end. She has spent the last year or so planning for the departure, so when she leaves her job, she doesn’t need to search for a new one! Now, she can spend more of her time writing, designing, and building something that will truly set her up for long-term financial (and time) freedom.




In This Episode We Cover

The importance of having a side hustle (especially when you’ve been working for a while)

Job hopping and negotiating more than just salary at your new or current job

Prioritizing yourself in your company and the downside of saying “yes” too often

Building a stable reserve fund so you can quit with confidence

Self-Directed 401k and other retirement options that self-employed individuals have

Self-employed health insurance and how to keep your benefits as you step away from full-time work

And So Much More!




Links from the Show

BiggerPockets Money Facebook Group

BiggerPockets Forums

Finance Review Guest Onboarding

Mindy's Twitter

Connect with David

Apply to Be a Guest on The Money Show

Podcast Talent Search!

Subscribe to The “On The Market” YouTube Channel

Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets

I Like to Dabble]]></description>
	<itunes:subtitle><![CDATA[Before you quit your job, you will need to prepare yourself not just financially, but mentally. If you’re thinking of leaving your W2, and youre not at retirement age just yet, odds are you have a side hustle or even an entire small business. As the side]]></itunes:subtitle>
	<content:encoded><![CDATA[Before you quit your job, you will need to prepare yourself not just financially, but mentally. If you’re thinking of leaving your W2, and you're not at retirement age just yet, odds are you have a side hustle or even an entire small business. As the side hustle begins to grow, you may be torn between spending time at your job and putting in the hours to scale your business.

This is doubly true if you’re like Daniella Flores from I Like to Dabble, who is at a high-paying, fully-remote job with a solid share of benefits. Before she decided to scale down her full-time work, she had to come up with an action plan that would allow her to slowly slip away from corporate life, so she can avoid the instant shock of being an overnight entrepreneur.

Daniella has some helpful tips for anyone who thinks their time at a job is close to the end. She has spent the last year or so planning for the departure, so when she leaves her job, she doesn’t need to search for a new one! Now, she can spend more of her time writing, designing, and building something that will truly set her up for long-term financial (and time) freedom.




In This Episode We Cover

The importance of having a side hustle (especially when you’ve been working for a while)

Job hopping and negotiating more than just salary at your new or current job

Prioritizing yourself in your company and the downside of saying “yes” too often

Building a stable reserve fund so you can quit with confidence

Self-Directed 401k and other retirement options that self-employed individuals have

Self-employed health insurance and how to keep your benefits as you step away from full-time work

And So Much More!




Links from the Show

BiggerPockets Money Facebook Group

BiggerPockets Forums

Finance Review Guest Onboarding

Mindy's Twitter

Connect with David

Apply to Be a Guest on The Money Show

Podcast Talent Search!

Subscribe to The “On The Market” YouTube Channel

Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets

I Like to Dabble]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC1121945293.mp3" length="78538059" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[Before you quit your job, you will need to prepare yourself not just financially, but mentally. If you’re thinking of leaving your W2, and you're not at retirement age just yet, odds are you have a side hustle or even an entire small business. As the side hustle begins to grow, you may be torn between spending time at your job and putting in the hours to scale your business.

This is doubly true if you’re like Daniella Flores from I Like to Dabble, who is at a high-paying, fully-remote job with a solid share of benefits. Before she decided to scale down her full-time work, she had to come up with an action plan that would allow her to slowly slip away from corporate life, so she can avoid the instant shock of being an overnight entrepreneur.

Daniella has some helpful tips for anyone who thinks their time at a job is close to the end. She has spent the last year or so planning for the departure, so when she leaves her job, she doesn’t need to search for a new one! Now, she can spend more of her time writing, designing, and building something that will truly set her up for long-term financial (and time) freedom.




In This Episode We Cover

The importance of having a side hustle (especially when you’ve been working for a while)

Job hopping and negotiating more than just salary at your new or current job

Prioritizing yourself in your company and the downside of saying “yes” too often

Building a stable reserve fund so you can quit with confidence

Self-Directed 401k and other retirement options that self-employed individuals have

Self-employed health insurance and how to keep your benefits as you step away from full-time work

And So Much More!




Links from the Show

BiggerPockets Money Facebook Group

BiggerPockets Forums

Finance Review Guest Onboarding

Mindy's Twitter

Connect with David

Apply to Be a Guest on The Money Show

Podcast Talent Search!

Subscribe to The “On The Market” YouTube Channel

Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets

I Like to Dabble]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[Before you quit your job, you will need to prepare yourself not just financially, but mentally. If you’re thinking of leaving your W2, and you're not at retirement age just yet, odds are you have a side hustle or even an entire small business. As the side hustle begins to grow, you may be torn between spending time at your job and putting in the hours to scale your business.

This is doubly true if you’re like Daniella Flores from I Like to Dabble, who is at a high-paying, fully-remote job with a solid share of benefits. Before she decided to scale down her full-time work, she had to come up with an action plan that would allow her to slowly slip away from corporate life, so she can avoid the instant shock of being an overnight entrepreneur.

Daniella has some helpful tips for anyone who thinks their time at a job is close to the end. She has spent the last year or so planning for the departure, so when she leaves her job, she doesn’t need to search for a new one! Now, she can spend m]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>304: Finance Friday: The Fastest Way to Pay Off $300k in Student Debt</title>
	<link>https://biggerpocketsmoney.com/podcast/304-finance-friday-the-fastest-way-to-pay-off-300k-in-student-debt/</link>
	<pubDate>Fri, 27 May 2022 06:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">gid://art19-episode-locator/V0/lFws0ESeZVdf6dTsTdAwQKNPzhWEyVFmjSuzZFj23eA</guid>
	<description><![CDATA[It’s a strange time for student debt. On one hand, many college graduates are electing not to pay their student loans while they sit in forbearance. On the other, some debtors are choosing to take advantage of the zero-percent interest period as a way for them to pay down their loans faster. While neither of those choices is inherently wrong, they may also not be right. Today’s guest, Colton, finds himself in this position with a good $300,000 worth of student debt.

This number encompasses both Colton and his wife’s student loan payments. A good portion of their loans can be forgiven over twenty years, so which loan balance should he handle first? Thankfully, with Colton’s sizable take-home pay, he has options that many wouldn’t think of. Scott and Mindy debate on whether or not paying off debt early, waiting for forgiveness, or investing instead would be the best course of action for Colton.

Regardless of whether you have student debt, a car loan, a medical loan, or any other type of timely payment due soon, this is a calculation worth performing. Scott and Mindy also take a look at Colton’s diversified portfolio of assets, arguing that diversification could be leading him down a long path to FI, instead of helping him gain financial footing.




In This Episode We Cover

How over-diversification can set you back from reaching your financial goals

Why the “grind to FI” doesn’t have to destroy the life you love

Real estate investing as a hedge against large amounts of personal debt

Student loan forbearance and forgiveness, plus when to start paying back your loans

Private mortgage insurance and the multiple options you have to get rid of it

Live in flip tips and how to keep your sanity while renovating your primary residence 

And So Much More!




Links from the Show

BiggerPockets Money Facebook Group

BiggerPockets Forums

Finance Review Guest Onboarding

Scott's Instagram

Mindy's Twitter

Apply to Be a Guest on The Money Show

Podcast Talent Search!

Subscribe to The “On The Market” YouTube Channel

Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets

Check Out Mindy’s 2022 Live Spending Tracker and Budget

Student Loans Update: Repayment, Refinancing, and Potential Forgiveness w/ Robert Farrington

Finance Friday: Using Student Loan Forgiveness to Catapult FI w/ Sammie]]></description>
	<itunes:subtitle><![CDATA[It’s a strange time for student debt. On one hand, many college graduates are electing not to pay their student loans while they sit in forbearance. On the other, some debtors are choosing to take advantage of the zero-percent interest period as a way fo]]></itunes:subtitle>
	<content:encoded><![CDATA[It’s a strange time for student debt. On one hand, many college graduates are electing not to pay their student loans while they sit in forbearance. On the other, some debtors are choosing to take advantage of the zero-percent interest period as a way for them to pay down their loans faster. While neither of those choices is inherently wrong, they may also not be right. Today’s guest, Colton, finds himself in this position with a good $300,000 worth of student debt.

This number encompasses both Colton and his wife’s student loan payments. A good portion of their loans can be forgiven over twenty years, so which loan balance should he handle first? Thankfully, with Colton’s sizable take-home pay, he has options that many wouldn’t think of. Scott and Mindy debate on whether or not paying off debt early, waiting for forgiveness, or investing instead would be the best course of action for Colton.

Regardless of whether you have student debt, a car loan, a medical loan, or any other type of timely payment due soon, this is a calculation worth performing. Scott and Mindy also take a look at Colton’s diversified portfolio of assets, arguing that diversification could be leading him down a long path to FI, instead of helping him gain financial footing.




In This Episode We Cover

How over-diversification can set you back from reaching your financial goals

Why the “grind to FI” doesn’t have to destroy the life you love

Real estate investing as a hedge against large amounts of personal debt

Student loan forbearance and forgiveness, plus when to start paying back your loans

Private mortgage insurance and the multiple options you have to get rid of it

Live in flip tips and how to keep your sanity while renovating your primary residence 

And So Much More!




Links from the Show

BiggerPockets Money Facebook Group

BiggerPockets Forums

Finance Review Guest Onboarding

Scott's Instagram

Mindy's Twitter

Apply to Be a Guest on The Money Show

Podcast Talent Search!

Subscribe to The “On The Market” YouTube Channel

Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets

Check Out Mindy’s 2022 Live Spending Tracker and Budget

Student Loans Update: Repayment, Refinancing, and Potential Forgiveness w/ Robert Farrington

Finance Friday: Using Student Loan Forgiveness to Catapult FI w/ Sammie]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC1314194060.mp3" length="74598892" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[It’s a strange time for student debt. On one hand, many college graduates are electing not to pay their student loans while they sit in forbearance. On the other, some debtors are choosing to take advantage of the zero-percent interest period as a way for them to pay down their loans faster. While neither of those choices is inherently wrong, they may also not be right. Today’s guest, Colton, finds himself in this position with a good $300,000 worth of student debt.

This number encompasses both Colton and his wife’s student loan payments. A good portion of their loans can be forgiven over twenty years, so which loan balance should he handle first? Thankfully, with Colton’s sizable take-home pay, he has options that many wouldn’t think of. Scott and Mindy debate on whether or not paying off debt early, waiting for forgiveness, or investing instead would be the best course of action for Colton.

Regardless of whether you have student debt, a car loan, a medical loan, or any other type of timely payment due soon, this is a calculation worth performing. Scott and Mindy also take a look at Colton’s diversified portfolio of assets, arguing that diversification could be leading him down a long path to FI, instead of helping him gain financial footing.




In This Episode We Cover

How over-diversification can set you back from reaching your financial goals

Why the “grind to FI” doesn’t have to destroy the life you love

Real estate investing as a hedge against large amounts of personal debt

Student loan forbearance and forgiveness, plus when to start paying back your loans

Private mortgage insurance and the multiple options you have to get rid of it

Live in flip tips and how to keep your sanity while renovating your primary residence 

And So Much More!




Links from the Show

BiggerPockets Money Facebook Group

BiggerPockets Forums

Finance Review Guest Onboarding

Scott's Instagram

Mindy's Twitter

Apply to Be a Guest on The Money Show

Podcast Talent Search!

Subscribe to The “On The Market” YouTube Channel

Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets

Check Out Mindy’s 2022 Live Spending Tracker and Budget

Student Loans Update: Repayment, Refinancing, and Potential Forgiveness w/ Robert Farrington

Finance Friday: Using Student Loan Forgiveness to Catapult FI w/ Sammie]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[It’s a strange time for student debt. On one hand, many college graduates are electing not to pay their student loans while they sit in forbearance. On the other, some debtors are choosing to take advantage of the zero-percent interest period as a way for them to pay down their loans faster. While neither of those choices is inherently wrong, they may also not be right. Today’s guest, Colton, finds himself in this position with a good $300,000 worth of student debt.

This number encompasses both Colton and his wife’s student loan payments. A good portion of their loans can be forgiven over twenty years, so which loan balance should he handle first? Thankfully, with Colton’s sizable take-home pay, he has options that many wouldn’t think of. Scott and Mindy debate on whether or not paying off debt early, waiting for forgiveness, or investing instead would be the best course of action for Colton.

Regardless of whether you have student debt, a car loan, a medical loan, or any other type ]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>303: The Secret Steps to Getting Qualified for the Best Mortgage Possible</title>
	<link>https://biggerpocketsmoney.com/podcast/303-the-secret-steps-to-getting-qualified-for-the-best-mortgage-possible/</link>
	<pubDate>Mon, 23 May 2022 06:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">gid://art19-episode-locator/V0/zCVwzf1oIekVabNcX0_GszDGwrN4e7flM4ldV51jJ1I</guid>
	<description><![CDATA[You may have seen mortgage tips posted throughout the forums or in the BiggerPockets Money Facebook Group, but rarely do you get preapproval tips straight from a lender themselves. As the housing market stays hot and interest rates continue to rise, it may seem harder and harder to get approved for the amount, or the interest rate, that you want. Now, instead of guessing what you can do to increase your financeability, you can get answers directly from the source!

Joining us today is Jon Lallande, former mortgage lender, now real estate investor. Jon has helped close tens of millions of dollars in mortgages and has funded homes across the US. He’s on today to help us separate the wheat from the lending chaff so you can have a smoother preapproval process. Jon touches on the different types of lenders, how to increase your credit score before you apply for a loan, getting around lender “overlays”, and how tax deductions can be dangerous for self-employed professionals.

No matter your qualification query, Jon probably has an answer to it. Listening to this episode may just give you the steps you need to finally lock down that first deal, primary residence, or next investment property!




In This Episode We Cover

The easiest way to make yourself “attractive” to a lender 

Lender overlays and how to get around them so you can get preapproved

The easiest way to raise your credit score so you can get the best loan possible

The upside of PMI (private mortgage insurance) and how to purchase properties with low money down

Why many investors put themselves in mortgage fraud territory and how you can stay out of it

How to get a mortgage as a self-employed individual and when NOT to take deductions

And So Much More!




Links from the Show

BiggerPockets Money Facebook Group

BiggerPockets Forums

Finance Review Guest Onboarding

Mindy's Twitter

Apply to Be a Guest on The Money Show

Podcast Talent Search!

Subscribe to The “On The Market” YouTube Channel

Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets

Finance Friday: Building Your Financial Runway Even with Irregular Income w/ Eric Dunn

Finance Friday: Should You Pay Off Your Mortgage Early or Invest?

Ginnie Mae Website

Credit Karma]]></description>
	<itunes:subtitle><![CDATA[You may have seen mortgage tips posted throughout the forums or in the BiggerPockets Money Facebook Group, but rarely do you get preapproval tips straight from a lender themselves. As the housing market stays hot and interest rates continue to rise, it m]]></itunes:subtitle>
	<content:encoded><![CDATA[You may have seen mortgage tips posted throughout the forums or in the BiggerPockets Money Facebook Group, but rarely do you get preapproval tips straight from a lender themselves. As the housing market stays hot and interest rates continue to rise, it may seem harder and harder to get approved for the amount, or the interest rate, that you want. Now, instead of guessing what you can do to increase your financeability, you can get answers directly from the source!

Joining us today is Jon Lallande, former mortgage lender, now real estate investor. Jon has helped close tens of millions of dollars in mortgages and has funded homes across the US. He’s on today to help us separate the wheat from the lending chaff so you can have a smoother preapproval process. Jon touches on the different types of lenders, how to increase your credit score before you apply for a loan, getting around lender “overlays”, and how tax deductions can be dangerous for self-employed professionals.

No matter your qualification query, Jon probably has an answer to it. Listening to this episode may just give you the steps you need to finally lock down that first deal, primary residence, or next investment property!




In This Episode We Cover

The easiest way to make yourself “attractive” to a lender 

Lender overlays and how to get around them so you can get preapproved

The easiest way to raise your credit score so you can get the best loan possible

The upside of PMI (private mortgage insurance) and how to purchase properties with low money down

Why many investors put themselves in mortgage fraud territory and how you can stay out of it

How to get a mortgage as a self-employed individual and when NOT to take deductions

And So Much More!




Links from the Show

BiggerPockets Money Facebook Group

BiggerPockets Forums

Finance Review Guest Onboarding

Mindy's Twitter

Apply to Be a Guest on The Money Show

Podcast Talent Search!

Subscribe to The “On The Market” YouTube Channel

Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets

Finance Friday: Building Your Financial Runway Even with Irregular Income w/ Eric Dunn

Finance Friday: Should You Pay Off Your Mortgage Early or Invest?

Ginnie Mae Website

Credit Karma]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC3514566528.mp3" length="69153907" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[You may have seen mortgage tips posted throughout the forums or in the BiggerPockets Money Facebook Group, but rarely do you get preapproval tips straight from a lender themselves. As the housing market stays hot and interest rates continue to rise, it may seem harder and harder to get approved for the amount, or the interest rate, that you want. Now, instead of guessing what you can do to increase your financeability, you can get answers directly from the source!

Joining us today is Jon Lallande, former mortgage lender, now real estate investor. Jon has helped close tens of millions of dollars in mortgages and has funded homes across the US. He’s on today to help us separate the wheat from the lending chaff so you can have a smoother preapproval process. Jon touches on the different types of lenders, how to increase your credit score before you apply for a loan, getting around lender “overlays”, and how tax deductions can be dangerous for self-employed professionals.

No matter your qualification query, Jon probably has an answer to it. Listening to this episode may just give you the steps you need to finally lock down that first deal, primary residence, or next investment property!




In This Episode We Cover

The easiest way to make yourself “attractive” to a lender 

Lender overlays and how to get around them so you can get preapproved

The easiest way to raise your credit score so you can get the best loan possible

The upside of PMI (private mortgage insurance) and how to purchase properties with low money down

Why many investors put themselves in mortgage fraud territory and how you can stay out of it

How to get a mortgage as a self-employed individual and when NOT to take deductions

And So Much More!




Links from the Show

BiggerPockets Money Facebook Group

BiggerPockets Forums

Finance Review Guest Onboarding

Mindy's Twitter

Apply to Be a Guest on The Money Show

Podcast Talent Search!

Subscribe to The “On The Market” YouTube Channel

Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets

Finance Friday: Building Your Financial Runway Even with Irregular Income w/ Eric Dunn

Finance Friday: Should You Pay Off Your Mortgage Early or Invest?

Ginnie Mae Website

Credit Karma]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[You may have seen mortgage tips posted throughout the forums or in the BiggerPockets Money Facebook Group, but rarely do you get preapproval tips straight from a lender themselves. As the housing market stays hot and interest rates continue to rise, it may seem harder and harder to get approved for the amount, or the interest rate, that you want. Now, instead of guessing what you can do to increase your financeability, you can get answers directly from the source!

Joining us today is Jon Lallande, former mortgage lender, now real estate investor. Jon has helped close tens of millions of dollars in mortgages and has funded homes across the US. He’s on today to help us separate the wheat from the lending chaff so you can have a smoother preapproval process. Jon touches on the different types of lenders, how to increase your credit score before you apply for a loan, getting around lender “overlays”, and how tax deductions can be dangerous for self-employed professionals.

No matter your]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>302: Finance Friday: Can I Live in Flip My Way to FI at 55 Years Old?</title>
	<link>https://biggerpocketsmoney.com/podcast/302-finance-friday-can-i-live-in-flip-my-way-to-fi-at-55-years-old/</link>
	<pubDate>Fri, 20 May 2022 06:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">gid://art19-episode-locator/V0/oFZe1QTBwyOz9P-axCf1xENJTJbW5Ss1R9bKb6QhJ00</guid>
	<description><![CDATA[Almost every age group wants to know how to retire in ten years. Whether you’re in your teens, your mid-thirties, or your mid-fifties, retirement can seem like an eternity away. Those who retire early and find financial freedom tend to do so through a combination of smart investing, early saving, and a tenacity for budgeting (without giving up everything they love). But what if you don’t have time on your side? What if you’re still paying off debt? Is it still possible to retire?

Thankfully for today’s guest Rik, and all you listeners at home, we can safely say that retirement is in reach, even if you feel like you’re a little off track. Rik has three degrees and as a result, is strapped with some moderate student debt. He wants to retire in five to ten years and realizes that it will take some work to get him in that position. Thankfully, he has some hands-on real estate investing experience—owning a duplex and performing a live in flip on his primary residence.

Rik is more than willing to get his hands dirty in his pursuit of early retirement, whether that means doing remodels himself, limiting his booze budget, or simply living a little leaner. With some smart investments under his belt, he’s been able to set himself up in a good position to take on more projects, have smarter debt, and keep more cash. But, Rik will need to take care of a few things first before he can continue building this retirement runway that’s already underway.




In This Episode We Cover

Student loan debt forgiveness and how to pay off your debt in the smartest way possible

House hacking, live in flipping, and turning your home into a cash-flowing machine or equity check

Building a strong cash position/safety reserve and having the funds to invest faster

HELOCs (home equity lines of credit) and using them to pay off renovations

Whether to rent or sell a property in these high-interest times

Building a retirement nest egg that allows you to travel, take time off of work, and creatively invest

And So Much More!




Links from the Show

BiggerPockets Money Facebook Group

BiggerPockets Forums

Finance Review Guest Onboarding

Scott's Instagram

Mindy's Twitter

Apply to Be a Guest on The Money Show

Podcast Talent Search!

Subscribe to The “On The Market” YouTube Channel

MintMobile.com

Amazon Prime

Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets

Check Out Mindy’s 2022 Live Spending Tracker and Budget

Rookie Reply: Cash Out Refinances vs HELOCs &#124; Which Should You Use?

Finance Friday: How to Avoid the “Middle Class Trap” When Building Wealth

Finance Friday: How Do I Get Out Of This Cash Flow Crisis?]]></description>
	<itunes:subtitle><![CDATA[Almost every age group wants to know how to retire in ten years. Whether you’re in your teens, your mid-thirties, or your mid-fifties, retirement can seem like an eternity away. Those who retire early and find financial freedom tend to do so through a co]]></itunes:subtitle>
	<content:encoded><![CDATA[Almost every age group wants to know how to retire in ten years. Whether you’re in your teens, your mid-thirties, or your mid-fifties, retirement can seem like an eternity away. Those who retire early and find financial freedom tend to do so through a combination of smart investing, early saving, and a tenacity for budgeting (without giving up everything they love). But what if you don’t have time on your side? What if you’re still paying off debt? Is it still possible to retire?

Thankfully for today’s guest Rik, and all you listeners at home, we can safely say that retirement is in reach, even if you feel like you’re a little off track. Rik has three degrees and as a result, is strapped with some moderate student debt. He wants to retire in five to ten years and realizes that it will take some work to get him in that position. Thankfully, he has some hands-on real estate investing experience—owning a duplex and performing a live in flip on his primary residence.

Rik is more than willing to get his hands dirty in his pursuit of early retirement, whether that means doing remodels himself, limiting his booze budget, or simply living a little leaner. With some smart investments under his belt, he’s been able to set himself up in a good position to take on more projects, have smarter debt, and keep more cash. But, Rik will need to take care of a few things first before he can continue building this retirement runway that’s already underway.




In This Episode We Cover

Student loan debt forgiveness and how to pay off your debt in the smartest way possible

House hacking, live in flipping, and turning your home into a cash-flowing machine or equity check

Building a strong cash position/safety reserve and having the funds to invest faster

HELOCs (home equity lines of credit) and using them to pay off renovations

Whether to rent or sell a property in these high-interest times

Building a retirement nest egg that allows you to travel, take time off of work, and creatively invest

And So Much More!




Links from the Show

BiggerPockets Money Facebook Group

BiggerPockets Forums

Finance Review Guest Onboarding

Scott's Instagram

Mindy's Twitter

Apply to Be a Guest on The Money Show

Podcast Talent Search!

Subscribe to The “On The Market” YouTube Channel

MintMobile.com

Amazon Prime

Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets

Check Out Mindy’s 2022 Live Spending Tracker and Budget

Rookie Reply: Cash Out Refinances vs HELOCs &#124; Which Should You Use?

Finance Friday: How to Avoid the “Middle Class Trap” When Building Wealth

Finance Friday: How Do I Get Out Of This Cash Flow Crisis?]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC7897151134.mp3" length="82442094" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[Almost every age group wants to know how to retire in ten years. Whether you’re in your teens, your mid-thirties, or your mid-fifties, retirement can seem like an eternity away. Those who retire early and find financial freedom tend to do so through a combination of smart investing, early saving, and a tenacity for budgeting (without giving up everything they love). But what if you don’t have time on your side? What if you’re still paying off debt? Is it still possible to retire?

Thankfully for today’s guest Rik, and all you listeners at home, we can safely say that retirement is in reach, even if you feel like you’re a little off track. Rik has three degrees and as a result, is strapped with some moderate student debt. He wants to retire in five to ten years and realizes that it will take some work to get him in that position. Thankfully, he has some hands-on real estate investing experience—owning a duplex and performing a live in flip on his primary residence.

Rik is more than willing to get his hands dirty in his pursuit of early retirement, whether that means doing remodels himself, limiting his booze budget, or simply living a little leaner. With some smart investments under his belt, he’s been able to set himself up in a good position to take on more projects, have smarter debt, and keep more cash. But, Rik will need to take care of a few things first before he can continue building this retirement runway that’s already underway.




In This Episode We Cover

Student loan debt forgiveness and how to pay off your debt in the smartest way possible

House hacking, live in flipping, and turning your home into a cash-flowing machine or equity check

Building a strong cash position/safety reserve and having the funds to invest faster

HELOCs (home equity lines of credit) and using them to pay off renovations

Whether to rent or sell a property in these high-interest times

Building a retirement nest egg that allows you to travel, take time off of work, and creatively invest

And So Much More!




Links from the Show

BiggerPockets Money Facebook Group

BiggerPockets Forums

Finance Review Guest Onboarding

Scott's Instagram

Mindy's Twitter

Apply to Be a Guest on The Money Show

Podcast Talent Search!

Subscribe to The “On The Market” YouTube Channel

MintMobile.com

Amazon Prime

Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets

Check Out Mindy’s 2022 Live Spending Tracker and Budget

Rookie Reply: Cash Out Refinances vs HELOCs &#124; Which Should You Use?

Finance Friday: How to Avoid the “Middle Class Trap” When Building Wealth

Finance Friday: How Do I Get Out Of This Cash Flow Crisis?]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[Almost every age group wants to know how to retire in ten years. Whether you’re in your teens, your mid-thirties, or your mid-fifties, retirement can seem like an eternity away. Those who retire early and find financial freedom tend to do so through a combination of smart investing, early saving, and a tenacity for budgeting (without giving up everything they love). But what if you don’t have time on your side? What if you’re still paying off debt? Is it still possible to retire?

Thankfully for today’s guest Rik, and all you listeners at home, we can safely say that retirement is in reach, even if you feel like you’re a little off track. Rik has three degrees and as a result, is strapped with some moderate student debt. He wants to retire in five to ten years and realizes that it will take some work to get him in that position. Thankfully, he has some hands-on real estate investing experience—owning a duplex and performing a live in flip on his primary residence.

Rik is more than wi]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>301: Why You’re (Probably) Wrong About Prenups</title>
	<link>https://biggerpocketsmoney.com/podcast/301-why-youre-probably-wrong-about-prenups/</link>
	<pubDate>Mon, 16 May 2022 06:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">gid://art19-episode-locator/V0/fJZUvC_RS4PPyuVxxhhHZ41_mSVTThVliBiX5J1WgCk</guid>
	<description><![CDATA[Asking for a prenup (prenuptial agreement) can be an exceedingly scary ask. To your partner, a prenup may seem like a way of telling them that you’re planning for a future divorce. But, in reality, it could be the thing that secretly saves your marriage. The everyday American knows very little about the prenuptial agreement and has gotten most of their information from movies, reality TV shows, and hearsay from friends and relatives. We wanted to know the truth about prenups, so we invited attorney Aaron Thomas on the podcast.

Aaron Thomas has a wide range of experience in family law, divorce law, and anything that comes from legally joining (or separating) a couple. He knows how difficult divorce cases can be and saw the same mistakes repeated by couples. The lack of communication over finances, minimal planning (if any at all), and wishful thinking led to more and more couples seeking separation shortly after marriage.

Now, Aaron and his team work with couples to form strong prenuptial and postnuptial agreements so that they have a rock-solid financial foundation to stand on when dealing with the daily joys and struggles of marriage. Aaron argues that the prenup may be the most important step in mitigating a divorce and that the protection of a prenup goes far beyond wealth. If you never thought about getting a prenup or postnup before, you definitely will after this episode!




In This Episode We Cover

Prenuptial and postnuptial agreements explained and what they protect

Added stipulations in a prenup that most couples don’t know about

The optimal way to combine finances as a couple and how to split uneven paychecks

How to bring up a prenup or postnup to a partner who’s feeling averse to one

The cost of divorce vs. a prenup and why you DON’T want to leave a legal separation up to state laws

Which couples shouldn’t look into signing a prenuptial or postnuptial agreement

And So Much More!




Links from the Show

BiggerPockets Money Facebook Group

BiggerPockets Forums

Finance Review Guest Onboarding

Mindy's Twitter

Apply to Be a Guest on The Money Show

Podcast Talent Search!

Subscribe to The “On The Market” YouTube Channel

Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets

Check Out Mindy’s 2022 Live Spending Tracker and Budget

ATL Aaron Thomas Law

BiggerPockets Money Podcast 24: Getting Financially “Naked” with Your Significant Other — With Erin Lowry

Prenups.com]]></description>
	<itunes:subtitle><![CDATA[Asking for a prenup (prenuptial agreement) can be an exceedingly scary ask. To your partner, a prenup may seem like a way of telling them that you’re planning for a future divorce. But, in reality, it could be the thing that secretly saves your marriage.]]></itunes:subtitle>
	<content:encoded><![CDATA[Asking for a prenup (prenuptial agreement) can be an exceedingly scary ask. To your partner, a prenup may seem like a way of telling them that you’re planning for a future divorce. But, in reality, it could be the thing that secretly saves your marriage. The everyday American knows very little about the prenuptial agreement and has gotten most of their information from movies, reality TV shows, and hearsay from friends and relatives. We wanted to know the truth about prenups, so we invited attorney Aaron Thomas on the podcast.

Aaron Thomas has a wide range of experience in family law, divorce law, and anything that comes from legally joining (or separating) a couple. He knows how difficult divorce cases can be and saw the same mistakes repeated by couples. The lack of communication over finances, minimal planning (if any at all), and wishful thinking led to more and more couples seeking separation shortly after marriage.

Now, Aaron and his team work with couples to form strong prenuptial and postnuptial agreements so that they have a rock-solid financial foundation to stand on when dealing with the daily joys and struggles of marriage. Aaron argues that the prenup may be the most important step in mitigating a divorce and that the protection of a prenup goes far beyond wealth. If you never thought about getting a prenup or postnup before, you definitely will after this episode!




In This Episode We Cover

Prenuptial and postnuptial agreements explained and what they protect

Added stipulations in a prenup that most couples don’t know about

The optimal way to combine finances as a couple and how to split uneven paychecks

How to bring up a prenup or postnup to a partner who’s feeling averse to one

The cost of divorce vs. a prenup and why you DON’T want to leave a legal separation up to state laws

Which couples shouldn’t look into signing a prenuptial or postnuptial agreement

And So Much More!




Links from the Show

BiggerPockets Money Facebook Group

BiggerPockets Forums

Finance Review Guest Onboarding

Mindy's Twitter

Apply to Be a Guest on The Money Show

Podcast Talent Search!

Subscribe to The “On The Market” YouTube Channel

Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets

Check Out Mindy’s 2022 Live Spending Tracker and Budget

ATL Aaron Thomas Law

BiggerPockets Money Podcast 24: Getting Financially “Naked” with Your Significant Other — With Erin Lowry

Prenups.com]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC3297355070.mp3" length="67940227" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[Asking for a prenup (prenuptial agreement) can be an exceedingly scary ask. To your partner, a prenup may seem like a way of telling them that you’re planning for a future divorce. But, in reality, it could be the thing that secretly saves your marriage. The everyday American knows very little about the prenuptial agreement and has gotten most of their information from movies, reality TV shows, and hearsay from friends and relatives. We wanted to know the truth about prenups, so we invited attorney Aaron Thomas on the podcast.

Aaron Thomas has a wide range of experience in family law, divorce law, and anything that comes from legally joining (or separating) a couple. He knows how difficult divorce cases can be and saw the same mistakes repeated by couples. The lack of communication over finances, minimal planning (if any at all), and wishful thinking led to more and more couples seeking separation shortly after marriage.

Now, Aaron and his team work with couples to form strong prenuptial and postnuptial agreements so that they have a rock-solid financial foundation to stand on when dealing with the daily joys and struggles of marriage. Aaron argues that the prenup may be the most important step in mitigating a divorce and that the protection of a prenup goes far beyond wealth. If you never thought about getting a prenup or postnup before, you definitely will after this episode!




In This Episode We Cover

Prenuptial and postnuptial agreements explained and what they protect

Added stipulations in a prenup that most couples don’t know about

The optimal way to combine finances as a couple and how to split uneven paychecks

How to bring up a prenup or postnup to a partner who’s feeling averse to one

The cost of divorce vs. a prenup and why you DON’T want to leave a legal separation up to state laws

Which couples shouldn’t look into signing a prenuptial or postnuptial agreement

And So Much More!




Links from the Show

BiggerPockets Money Facebook Group

BiggerPockets Forums

Finance Review Guest Onboarding

Mindy's Twitter

Apply to Be a Guest on The Money Show

Podcast Talent Search!

Subscribe to The “On The Market” YouTube Channel

Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets

Check Out Mindy’s 2022 Live Spending Tracker and Budget

ATL Aaron Thomas Law

BiggerPockets Money Podcast 24: Getting Financially “Naked” with Your Significant Other — With Erin Lowry

Prenups.com]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[Asking for a prenup (prenuptial agreement) can be an exceedingly scary ask. To your partner, a prenup may seem like a way of telling them that you’re planning for a future divorce. But, in reality, it could be the thing that secretly saves your marriage. The everyday American knows very little about the prenuptial agreement and has gotten most of their information from movies, reality TV shows, and hearsay from friends and relatives. We wanted to know the truth about prenups, so we invited attorney Aaron Thomas on the podcast.

Aaron Thomas has a wide range of experience in family law, divorce law, and anything that comes from legally joining (or separating) a couple. He knows how difficult divorce cases can be and saw the same mistakes repeated by couples. The lack of communication over finances, minimal planning (if any at all), and wishful thinking led to more and more couples seeking separation shortly after marriage.

Now, Aaron and his team work with couples to form strong prenu]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>300: Finance Friday: How to Avoid the “Middle Class Trap” When Building Wealth</title>
	<link>https://biggerpocketsmoney.com/podcast/300-finance-friday-how-to-avoid-the-middle-class-trap-when-building-wealth/</link>
	<pubDate>Fri, 13 May 2022 06:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">gid://art19-episode-locator/V0/X6MPZUXLhhplpFsUueB0wmel-uC5zKnq21sG0exhzwc</guid>
	<description><![CDATA[You’ve heard of middle-class money traps before. Like spending your whole paycheck on rent, not paying yourself first, and the sneaky seduction of obsessive eating out. Today, we’re talking about a far less known type of middle-class trap, the type that keeps your wealth growing but limits the amount of “freedom” you feel in the process. Oftentimes, savers can find themselves in a position with a big cash surplus but hold tight to it to feel “safe” instead of feeling flexible.

Today’s guest, April, falls into this category. She’s done a phenomenal job at building a millionaire life, keeping large cash savings, and diligently investing in retirement accounts. She’s in a favorable position, but it’s not the position she wants to stay in. April wants to feel a true sense of financial flexibility, with the option to leave her job or decrease the amount of time she spends working. But, to do this, she’ll have to confront her limited “cash scarcity” mindset and chase other investing options.

Scott and Mindy guide April on exactly how to do this, walking through various types of investment options that she (and you at home) can use to maximize a lifestyle for freedom, not just wealth. Even a financial powerhouse like Mindy struggles with these same issues, and you might too once you hit millionaire status!

In This Episode We Cover

Whether or not you’re overinvesting in retirement accounts (and how to find out if you are)

Converting from a scarcity mindset to money abundant mindset to truly take worthwhile risks

Investing in passive income streams like rental properties, syndications, and dividend stocks

How much to keep in your cash position and when to start investing your excess capital

HELOCs (home equity lines of credit) and how they can combat a low-cash position

Whether or not to pay off your mortgage early (or your car loan!)

And So Much More!

Links from the Show

BiggerPockets Money Facebook Group

BiggerPockets Forums

Finance Review Guest Onboarding

Scott's Instagram

Mindy's Twitter

Apply to Be a Guest on The Money Show

Podcast Talent Search!

Subscribe to The “On The Market” YouTube Channel

Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets

Check Out Mindy’s 2022 Live Spending Tracker and Budget

BiggerPockets Money Podcast 243: Ramit Sethi's Money Advice for Couples: Live a Rich Life, Together

BiggerPockets Money Podcast 260: Finance Friday: How to Hit $10M Net Worth in 10 Years (Or Less)

BiggerPockets Money Podcast 18: Accessing Retirement Funds Before Age 59½ with The Mad Fientist]]></description>
	<itunes:subtitle><![CDATA[You’ve heard of middle-class money traps before. Like spending your whole paycheck on rent, not paying yourself first, and the sneaky seduction of obsessive eating out. Today, we’re talking about a far less known type of middle-class trap, the type that ]]></itunes:subtitle>
	<content:encoded><![CDATA[You’ve heard of middle-class money traps before. Like spending your whole paycheck on rent, not paying yourself first, and the sneaky seduction of obsessive eating out. Today, we’re talking about a far less known type of middle-class trap, the type that keeps your wealth growing but limits the amount of “freedom” you feel in the process. Oftentimes, savers can find themselves in a position with a big cash surplus but hold tight to it to feel “safe” instead of feeling flexible.

Today’s guest, April, falls into this category. She’s done a phenomenal job at building a millionaire life, keeping large cash savings, and diligently investing in retirement accounts. She’s in a favorable position, but it’s not the position she wants to stay in. April wants to feel a true sense of financial flexibility, with the option to leave her job or decrease the amount of time she spends working. But, to do this, she’ll have to confront her limited “cash scarcity” mindset and chase other investing options.

Scott and Mindy guide April on exactly how to do this, walking through various types of investment options that she (and you at home) can use to maximize a lifestyle for freedom, not just wealth. Even a financial powerhouse like Mindy struggles with these same issues, and you might too once you hit millionaire status!

In This Episode We Cover

Whether or not you’re overinvesting in retirement accounts (and how to find out if you are)

Converting from a scarcity mindset to money abundant mindset to truly take worthwhile risks

Investing in passive income streams like rental properties, syndications, and dividend stocks

How much to keep in your cash position and when to start investing your excess capital

HELOCs (home equity lines of credit) and how they can combat a low-cash position

Whether or not to pay off your mortgage early (or your car loan!)

And So Much More!

Links from the Show

BiggerPockets Money Facebook Group

BiggerPockets Forums

Finance Review Guest Onboarding

Scott's Instagram

Mindy's Twitter

Apply to Be a Guest on The Money Show

Podcast Talent Search!

Subscribe to The “On The Market” YouTube Channel

Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets

Check Out Mindy’s 2022 Live Spending Tracker and Budget

BiggerPockets Money Podcast 243: Ramit Sethi's Money Advice for Couples: Live a Rich Life, Together

BiggerPockets Money Podcast 260: Finance Friday: How to Hit $10M Net Worth in 10 Years (Or Less)

BiggerPockets Money Podcast 18: Accessing Retirement Funds Before Age 59½ with The Mad Fientist]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC9033257991.mp3" length="72982555" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[You’ve heard of middle-class money traps before. Like spending your whole paycheck on rent, not paying yourself first, and the sneaky seduction of obsessive eating out. Today, we’re talking about a far less known type of middle-class trap, the type that keeps your wealth growing but limits the amount of “freedom” you feel in the process. Oftentimes, savers can find themselves in a position with a big cash surplus but hold tight to it to feel “safe” instead of feeling flexible.

Today’s guest, April, falls into this category. She’s done a phenomenal job at building a millionaire life, keeping large cash savings, and diligently investing in retirement accounts. She’s in a favorable position, but it’s not the position she wants to stay in. April wants to feel a true sense of financial flexibility, with the option to leave her job or decrease the amount of time she spends working. But, to do this, she’ll have to confront her limited “cash scarcity” mindset and chase other investing options.

Scott and Mindy guide April on exactly how to do this, walking through various types of investment options that she (and you at home) can use to maximize a lifestyle for freedom, not just wealth. Even a financial powerhouse like Mindy struggles with these same issues, and you might too once you hit millionaire status!

In This Episode We Cover

Whether or not you’re overinvesting in retirement accounts (and how to find out if you are)

Converting from a scarcity mindset to money abundant mindset to truly take worthwhile risks

Investing in passive income streams like rental properties, syndications, and dividend stocks

How much to keep in your cash position and when to start investing your excess capital

HELOCs (home equity lines of credit) and how they can combat a low-cash position

Whether or not to pay off your mortgage early (or your car loan!)

And So Much More!

Links from the Show

BiggerPockets Money Facebook Group

BiggerPockets Forums

Finance Review Guest Onboarding

Scott's Instagram

Mindy's Twitter

Apply to Be a Guest on The Money Show

Podcast Talent Search!

Subscribe to The “On The Market” YouTube Channel

Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets

Check Out Mindy’s 2022 Live Spending Tracker and Budget

BiggerPockets Money Podcast 243: Ramit Sethi's Money Advice for Couples: Live a Rich Life, Together

BiggerPockets Money Podcast 260: Finance Friday: How to Hit $10M Net Worth in 10 Years (Or Less)

BiggerPockets Money Podcast 18: Accessing Retirement Funds Before Age 59½ with The Mad Fientist]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[You’ve heard of middle-class money traps before. Like spending your whole paycheck on rent, not paying yourself first, and the sneaky seduction of obsessive eating out. Today, we’re talking about a far less known type of middle-class trap, the type that keeps your wealth growing but limits the amount of “freedom” you feel in the process. Oftentimes, savers can find themselves in a position with a big cash surplus but hold tight to it to feel “safe” instead of feeling flexible.

Today’s guest, April, falls into this category. She’s done a phenomenal job at building a millionaire life, keeping large cash savings, and diligently investing in retirement accounts. She’s in a favorable position, but it’s not the position she wants to stay in. April wants to feel a true sense of financial flexibility, with the option to leave her job or decrease the amount of time she spends working. But, to do this, she’ll have to confront her limited “cash scarcity” mindset and chase other investing option]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>299: Food Spending Eating Away at Your FI Plans? Here&#8217;s How to Eat for Cheap</title>
	<link>https://biggerpocketsmoney.com/podcast/299-food-spending-eating-away-at-your-fi-plans-heres-how-to-eat-for-cheap/</link>
	<pubDate>Mon, 09 May 2022 06:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">gid://art19-episode-locator/V0/HdZFev6x7tiilpfwlDNIBpWssm69b5Akv83jXtDVYR0</guid>
	<description><![CDATA[Budget meals, cheap eats, and deliciously discounted recipes are all in this episode of the BiggerPockets Money Podcast. As many of you financial freedom chasers know, one of the biggest monthly expenses on your budget tends to be food costs. Whether that be going out or grocery shopping to feed yourself, your spouse, your kids, and anyone else in your family— eating well isn’t cheap…or so most people think.

Beth Moncel is here to tell you that the preconceived notion of good food = expensive food, isn’t exactly right. Beth started her blog, Budget Bytes, over a decade ago during the great recession, when many families struggled to put food on the table. With a degree in nutrition, Beth knew that she could scientifically design recipes that not only filled up her family but helped her do so on a budget.

If you’re constantly going over your food budget, this is the episode to listen to. Beth gives a masterclass on food budget savers vs. sinkers, pantry staples and go-to recipes, meal planning, eating out, and whether or not you should shop on an empty stomach. Prepare to upgrade your dinner time while keeping more cash in your pocket!

In This Episode We Cover

Common mistakes budgeters make when trying to plan weekly meals 

The biggest budget busters you’ll find in your local grocery store and what to buy instead

Beth’s go-to recipes that also act as pantry clean-out meals for less food waste

Meal planning and how to start with simple, filling recipes you won’t get tired of

Shopping without coupons and why the best ingredients are often the cheapest

Calculating the exact cost of your meals and tweaking recipes for frugal shoppers

And So Much More!




Links from the Show

BiggerPockets Money Facebook Group

BiggerPockets Forums

Finance Review Guest Onboarding

Mindy's Twitter

Apply to Be a Guest on The Money Show

Podcast Talent Search!

Subscribe to The “On The Market” YouTube Channel

Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets

Check Out Mindy’s 2022 Live Spending Tracker and Budget

BiggerPockets Money Podcast 251 with Preston Cooper

Flipp.com Website

BudgetBytes.com

Connect with David]]></description>
	<itunes:subtitle><![CDATA[Budget meals, cheap eats, and deliciously discounted recipes are all in this episode of the BiggerPockets Money Podcast. As many of you financial freedom chasers know, one of the biggest monthly expenses on your budget tends to be food costs. Whether tha]]></itunes:subtitle>
	<content:encoded><![CDATA[Budget meals, cheap eats, and deliciously discounted recipes are all in this episode of the BiggerPockets Money Podcast. As many of you financial freedom chasers know, one of the biggest monthly expenses on your budget tends to be food costs. Whether that be going out or grocery shopping to feed yourself, your spouse, your kids, and anyone else in your family— eating well isn’t cheap…or so most people think.

Beth Moncel is here to tell you that the preconceived notion of good food = expensive food, isn’t exactly right. Beth started her blog, Budget Bytes, over a decade ago during the great recession, when many families struggled to put food on the table. With a degree in nutrition, Beth knew that she could scientifically design recipes that not only filled up her family but helped her do so on a budget.

If you’re constantly going over your food budget, this is the episode to listen to. Beth gives a masterclass on food budget savers vs. sinkers, pantry staples and go-to recipes, meal planning, eating out, and whether or not you should shop on an empty stomach. Prepare to upgrade your dinner time while keeping more cash in your pocket!

In This Episode We Cover

Common mistakes budgeters make when trying to plan weekly meals 

The biggest budget busters you’ll find in your local grocery store and what to buy instead

Beth’s go-to recipes that also act as pantry clean-out meals for less food waste

Meal planning and how to start with simple, filling recipes you won’t get tired of

Shopping without coupons and why the best ingredients are often the cheapest

Calculating the exact cost of your meals and tweaking recipes for frugal shoppers

And So Much More!




Links from the Show

BiggerPockets Money Facebook Group

BiggerPockets Forums

Finance Review Guest Onboarding

Mindy's Twitter

Apply to Be a Guest on The Money Show

Podcast Talent Search!

Subscribe to The “On The Market” YouTube Channel

Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets

Check Out Mindy’s 2022 Live Spending Tracker and Budget

BiggerPockets Money Podcast 251 with Preston Cooper

Flipp.com Website

BudgetBytes.com

Connect with David]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC2474066218.mp3" length="54596883" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[Budget meals, cheap eats, and deliciously discounted recipes are all in this episode of the BiggerPockets Money Podcast. As many of you financial freedom chasers know, one of the biggest monthly expenses on your budget tends to be food costs. Whether that be going out or grocery shopping to feed yourself, your spouse, your kids, and anyone else in your family— eating well isn’t cheap…or so most people think.

Beth Moncel is here to tell you that the preconceived notion of good food = expensive food, isn’t exactly right. Beth started her blog, Budget Bytes, over a decade ago during the great recession, when many families struggled to put food on the table. With a degree in nutrition, Beth knew that she could scientifically design recipes that not only filled up her family but helped her do so on a budget.

If you’re constantly going over your food budget, this is the episode to listen to. Beth gives a masterclass on food budget savers vs. sinkers, pantry staples and go-to recipes, meal planning, eating out, and whether or not you should shop on an empty stomach. Prepare to upgrade your dinner time while keeping more cash in your pocket!

In This Episode We Cover

Common mistakes budgeters make when trying to plan weekly meals 

The biggest budget busters you’ll find in your local grocery store and what to buy instead

Beth’s go-to recipes that also act as pantry clean-out meals for less food waste

Meal planning and how to start with simple, filling recipes you won’t get tired of

Shopping without coupons and why the best ingredients are often the cheapest

Calculating the exact cost of your meals and tweaking recipes for frugal shoppers

And So Much More!




Links from the Show

BiggerPockets Money Facebook Group

BiggerPockets Forums

Finance Review Guest Onboarding

Mindy's Twitter

Apply to Be a Guest on The Money Show

Podcast Talent Search!

Subscribe to The “On The Market” YouTube Channel

Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets

Check Out Mindy’s 2022 Live Spending Tracker and Budget

BiggerPockets Money Podcast 251 with Preston Cooper

Flipp.com Website

BudgetBytes.com

Connect with David]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[Budget meals, cheap eats, and deliciously discounted recipes are all in this episode of the BiggerPockets Money Podcast. As many of you financial freedom chasers know, one of the biggest monthly expenses on your budget tends to be food costs. Whether that be going out or grocery shopping to feed yourself, your spouse, your kids, and anyone else in your family— eating well isn’t cheap…or so most people think.

Beth Moncel is here to tell you that the preconceived notion of good food = expensive food, isn’t exactly right. Beth started her blog, Budget Bytes, over a decade ago during the great recession, when many families struggled to put food on the table. With a degree in nutrition, Beth knew that she could scientifically design recipes that not only filled up her family but helped her do so on a budget.

If you’re constantly going over your food budget, this is the episode to listen to. Beth gives a masterclass on food budget savers vs. sinkers, pantry staples and go-to recipes, meal]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>298: The April Stock Market Slump &#124; Mindy &#038; Carl’s Budget Review</title>
	<link>https://biggerpocketsmoney.com/podcast/298-the-april-stock-market-slump-mindy-carls-budget-review/</link>
	<pubDate>Fri, 06 May 2022 06:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">gid://art19-episode-locator/V0/tNJtDg5H5JzhXxgSyGny9HfjIT9_dAG8qTzw1OaiZGM</guid>
	<description><![CDATA[Stock market crashes aren’t common, but when they happen, they often catch you by surprise. Thankfully, we’re not in the middle of a stock market crash, but this current correction or “dip” we’re riding has got some early retirement and FIRE chasers feeling a little anxious. Carl and Mindy Jensen, real estate and index fund investors, have seen a twenty-five percent drop in their portfolio just over the past six months alone. What effect does that have on their future financial plans?




Welcome back to this month’s episode of Carl and Mindy’s Spending Summary, where we finally get to see an under budget month! Thanks to some family frugality, Carl and Mindy were able to shop pretty light this April, even while going over budget on some essentials like groceries and medical expenses. This may be the last under budget month for a bit as some upcoming trips may prop up their expenses as we roll into summer.




Carl and Mindy have also been keeping an eye on the stock market and how its performance is affecting their portfolio and future retirement plans. When Carl decided to step away from work five years ago, he had the tailwinds of a strong stock market at his back. But, with recent drops in stock valuation, it begs the question: would Carl still be able to retire early if the market conditions mirrored today?




In This Episode We Cover

The budgeting and expense tracking “slog” that helps you spend less and keep more 

Expensive summer trips and how to account for future travel in your monthly budget

The Nasdaq’s rough month and what to do when stock indexes start to fall

The 4% rule and how rough market conditions could hurt your early retirement plans

Whether or not you should still retire during a market crash/correction 

And So Much More!




Links from the Show

BiggerPockets Money Facebook Group

BiggerPockets Forums

Finance Review Guest Onboarding

Scott's Instagram

Mindy's Twitter

Apply to Be a Guest on The Money Show

Podcast Talent Search!

Subscribe to The “On The Market” YouTube Channel

Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets 

Check Out Mindy’s 2022 Live Spending Tracker and Budget

Hear Our Interview with 4% Rule Creator, Bill Bengen

Michael Kitces’ Interview on FIRE and the 4% Rule

The “Mile High FI” Podcast

1,500 Days to Freedom

Connect with Carl on BiggerPockets]]></description>
	<itunes:subtitle><![CDATA[Stock market crashes aren’t common, but when they happen, they often catch you by surprise. Thankfully, we’re not in the middle of a stock market crash, but this current correction or “dip” we’re riding has got some early retirement and FIRE chasers feel]]></itunes:subtitle>
	<content:encoded><![CDATA[Stock market crashes aren’t common, but when they happen, they often catch you by surprise. Thankfully, we’re not in the middle of a stock market crash, but this current correction or “dip” we’re riding has got some early retirement and FIRE chasers feeling a little anxious. Carl and Mindy Jensen, real estate and index fund investors, have seen a twenty-five percent drop in their portfolio just over the past six months alone. What effect does that have on their future financial plans?




Welcome back to this month’s episode of Carl and Mindy’s Spending Summary, where we finally get to see an under budget month! Thanks to some family frugality, Carl and Mindy were able to shop pretty light this April, even while going over budget on some essentials like groceries and medical expenses. This may be the last under budget month for a bit as some upcoming trips may prop up their expenses as we roll into summer.




Carl and Mindy have also been keeping an eye on the stock market and how its performance is affecting their portfolio and future retirement plans. When Carl decided to step away from work five years ago, he had the tailwinds of a strong stock market at his back. But, with recent drops in stock valuation, it begs the question: would Carl still be able to retire early if the market conditions mirrored today?




In This Episode We Cover

The budgeting and expense tracking “slog” that helps you spend less and keep more 

Expensive summer trips and how to account for future travel in your monthly budget

The Nasdaq’s rough month and what to do when stock indexes start to fall

The 4% rule and how rough market conditions could hurt your early retirement plans

Whether or not you should still retire during a market crash/correction 

And So Much More!




Links from the Show

BiggerPockets Money Facebook Group

BiggerPockets Forums

Finance Review Guest Onboarding

Scott's Instagram

Mindy's Twitter

Apply to Be a Guest on The Money Show

Podcast Talent Search!

Subscribe to The “On The Market” YouTube Channel

Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets 

Check Out Mindy’s 2022 Live Spending Tracker and Budget

Hear Our Interview with 4% Rule Creator, Bill Bengen

Michael Kitces’ Interview on FIRE and the 4% Rule

The “Mile High FI” Podcast

1,500 Days to Freedom

Connect with Carl on BiggerPockets]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC5266461900.mp3" length="29570874" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[Stock market crashes aren’t common, but when they happen, they often catch you by surprise. Thankfully, we’re not in the middle of a stock market crash, but this current correction or “dip” we’re riding has got some early retirement and FIRE chasers feeling a little anxious. Carl and Mindy Jensen, real estate and index fund investors, have seen a twenty-five percent drop in their portfolio just over the past six months alone. What effect does that have on their future financial plans?




Welcome back to this month’s episode of Carl and Mindy’s Spending Summary, where we finally get to see an under budget month! Thanks to some family frugality, Carl and Mindy were able to shop pretty light this April, even while going over budget on some essentials like groceries and medical expenses. This may be the last under budget month for a bit as some upcoming trips may prop up their expenses as we roll into summer.




Carl and Mindy have also been keeping an eye on the stock market and how its performance is affecting their portfolio and future retirement plans. When Carl decided to step away from work five years ago, he had the tailwinds of a strong stock market at his back. But, with recent drops in stock valuation, it begs the question: would Carl still be able to retire early if the market conditions mirrored today?




In This Episode We Cover

The budgeting and expense tracking “slog” that helps you spend less and keep more 

Expensive summer trips and how to account for future travel in your monthly budget

The Nasdaq’s rough month and what to do when stock indexes start to fall

The 4% rule and how rough market conditions could hurt your early retirement plans

Whether or not you should still retire during a market crash/correction 

And So Much More!




Links from the Show

BiggerPockets Money Facebook Group

BiggerPockets Forums

Finance Review Guest Onboarding

Scott's Instagram

Mindy's Twitter

Apply to Be a Guest on The Money Show

Podcast Talent Search!

Subscribe to The “On The Market” YouTube Channel

Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets 

Check Out Mindy’s 2022 Live Spending Tracker and Budget

Hear Our Interview with 4% Rule Creator, Bill Bengen

Michael Kitces’ Interview on FIRE and the 4% Rule

The “Mile High FI” Podcast

1,500 Days to Freedom

Connect with Carl on BiggerPockets]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[Stock market crashes aren’t common, but when they happen, they often catch you by surprise. Thankfully, we’re not in the middle of a stock market crash, but this current correction or “dip” we’re riding has got some early retirement and FIRE chasers feeling a little anxious. Carl and Mindy Jensen, real estate and index fund investors, have seen a twenty-five percent drop in their portfolio just over the past six months alone. What effect does that have on their future financial plans?




Welcome back to this month’s episode of Carl and Mindy’s Spending Summary, where we finally get to see an under budget month! Thanks to some family frugality, Carl and Mindy were able to shop pretty light this April, even while going over budget on some essentials like groceries and medical expenses. This may be the last under budget month for a bit as some upcoming trips may prop up their expenses as we roll into summer.




Carl and Mindy have also been keeping an eye on the stock market and how it]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>297: How to Find Free Money to Finance Your Education &#038; Avoid Extensive Student Debt w/Robert Farrington</title>
	<link>https://biggerpocketsmoney.com/podcast/297-how-to-find-free-money-to-finance-your-education-avoid-extensive-student-debt-w-robert-farrington/</link>
	<pubDate>Mon, 02 May 2022 06:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">gid://art19-episode-locator/V0/MH0tnhV9ALK0NcBScS5jCPyf1_eatz-vRjaCtgATTsU</guid>
	<description><![CDATA[The idea of college comes with a lot of questions—but there is one question that isn't usually asked: is college worth the cost? Most would say yes, but the honest answer is sometimes. Today’s guest, Robert Farrington, the College Investor, answers college questions in a detailed manner to help you make profitable decisions on your higher education choices.




Robert goes over how to look at college as a business decision rather than a necessity. A deciding factor in any college decision should be profitability. Is going to college going to make you more valuable in your field? Will the salary you make post-grad outweigh the student loans you took out? What financial resources are available to you to minimize debt and out-of-pocket expenses? How can you leave college debt-free? 




When you start asking the right questions, each decision gets easier. And in today’s episode, Robert gives you the right questions to ask. He also goes over different ways to pay for college, including FAFSA, grants, and scholarships, and how each of them work. College requires a lot of informed choices, and this episode contains the knowledge to equip you to make those choices. 




In This Episode We Cover

Looking at college as a business decision and determining whether a college education is financially worth it for you (or your child) 

How to finance college through loans, grants, financial aid, and scholarships 

529 plans explained and why it's an ideal way to save for college 

Saving yourself by using the “Yes Model” to save for college 

FAFSA vs. scholarships and how to apply for both 

Cutting your college expenses in half with government-sponsored programs 

And So Much More!




Links from the Show

BiggerPockets Money Facebook Group

BiggerPockets Forums

Finance Review Guest Onboarding

Scott's Instagram

Mindy's Twitter

Apply to Be a Guest on The Money Show

Podcast Talent Search!

Subscribe to The “On The Market” YouTube Channel

Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets 

Check Out Mindy’s 2022 Live Spending Tracker and Budget

Here's What I Wish Someone Told Me Before I Racked Up $180,000 In Student Loan Debt

How To Pay For College

How To Save For College

Ultimate Guide To Military And VA Education Benefits

Taxable Scholarships




Check the full show notes here: https://www.biggerpockets.com/blog/money-297]]></description>
	<itunes:subtitle><![CDATA[The idea of college comes with a lot of questions—but there is one question that isnt usually asked: is college worth the cost? Most would say yes, but the honest answer is sometimes. Today’s guest, Robert Farrington, the College Investor, answers colleg]]></itunes:subtitle>
	<content:encoded><![CDATA[The idea of college comes with a lot of questions—but there is one question that isn't usually asked: is college worth the cost? Most would say yes, but the honest answer is sometimes. Today’s guest, Robert Farrington, the College Investor, answers college questions in a detailed manner to help you make profitable decisions on your higher education choices.




Robert goes over how to look at college as a business decision rather than a necessity. A deciding factor in any college decision should be profitability. Is going to college going to make you more valuable in your field? Will the salary you make post-grad outweigh the student loans you took out? What financial resources are available to you to minimize debt and out-of-pocket expenses? How can you leave college debt-free? 




When you start asking the right questions, each decision gets easier. And in today’s episode, Robert gives you the right questions to ask. He also goes over different ways to pay for college, including FAFSA, grants, and scholarships, and how each of them work. College requires a lot of informed choices, and this episode contains the knowledge to equip you to make those choices. 




In This Episode We Cover

Looking at college as a business decision and determining whether a college education is financially worth it for you (or your child) 

How to finance college through loans, grants, financial aid, and scholarships 

529 plans explained and why it's an ideal way to save for college 

Saving yourself by using the “Yes Model” to save for college 

FAFSA vs. scholarships and how to apply for both 

Cutting your college expenses in half with government-sponsored programs 

And So Much More!




Links from the Show

BiggerPockets Money Facebook Group

BiggerPockets Forums

Finance Review Guest Onboarding

Scott's Instagram

Mindy's Twitter

Apply to Be a Guest on The Money Show

Podcast Talent Search!

Subscribe to The “On The Market” YouTube Channel

Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets 

Check Out Mindy’s 2022 Live Spending Tracker and Budget

Here's What I Wish Someone Told Me Before I Racked Up $180,000 In Student Loan Debt

How To Pay For College

How To Save For College

Ultimate Guide To Military And VA Education Benefits

Taxable Scholarships




Check the full show notes here: https://www.biggerpockets.com/blog/money-297]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC2107769985.mp3" length="73911649" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[The idea of college comes with a lot of questions—but there is one question that isn't usually asked: is college worth the cost? Most would say yes, but the honest answer is sometimes. Today’s guest, Robert Farrington, the College Investor, answers college questions in a detailed manner to help you make profitable decisions on your higher education choices.




Robert goes over how to look at college as a business decision rather than a necessity. A deciding factor in any college decision should be profitability. Is going to college going to make you more valuable in your field? Will the salary you make post-grad outweigh the student loans you took out? What financial resources are available to you to minimize debt and out-of-pocket expenses? How can you leave college debt-free? 




When you start asking the right questions, each decision gets easier. And in today’s episode, Robert gives you the right questions to ask. He also goes over different ways to pay for college, including FAFSA, grants, and scholarships, and how each of them work. College requires a lot of informed choices, and this episode contains the knowledge to equip you to make those choices. 




In This Episode We Cover

Looking at college as a business decision and determining whether a college education is financially worth it for you (or your child) 

How to finance college through loans, grants, financial aid, and scholarships 

529 plans explained and why it's an ideal way to save for college 

Saving yourself by using the “Yes Model” to save for college 

FAFSA vs. scholarships and how to apply for both 

Cutting your college expenses in half with government-sponsored programs 

And So Much More!




Links from the Show

BiggerPockets Money Facebook Group

BiggerPockets Forums

Finance Review Guest Onboarding

Scott's Instagram

Mindy's Twitter

Apply to Be a Guest on The Money Show

Podcast Talent Search!

Subscribe to The “On The Market” YouTube Channel

Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets 

Check Out Mindy’s 2022 Live Spending Tracker and Budget

Here's What I Wish Someone Told Me Before I Racked Up $180,000 In Student Loan Debt

How To Pay For College

How To Save For College

Ultimate Guide To Military And VA Education Benefits

Taxable Scholarships




Check the full show notes here: https://www.biggerpockets.com/blog/money-297]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[The idea of college comes with a lot of questions—but there is one question that isn't usually asked: is college worth the cost? Most would say yes, but the honest answer is sometimes. Today’s guest, Robert Farrington, the College Investor, answers college questions in a detailed manner to help you make profitable decisions on your higher education choices.




Robert goes over how to look at college as a business decision rather than a necessity. A deciding factor in any college decision should be profitability. Is going to college going to make you more valuable in your field? Will the salary you make post-grad outweigh the student loans you took out? What financial resources are available to you to minimize debt and out-of-pocket expenses? How can you leave college debt-free? 




When you start asking the right questions, each decision gets easier. And in today’s episode, Robert gives you the right questions to ask. He also goes over different ways to pay for college, including FA]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>296: Finance Friday: How Do I Get Out Of This Cash Flow Crisis?</title>
	<link>https://biggerpocketsmoney.com/podcast/296-finance-friday-how-do-i-get-out-of-this-cash-flow-crisis/</link>
	<pubDate>Fri, 29 Apr 2022 06:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">gid://art19-episode-locator/V0/n5I102z3-k3UvMgI6_PU7ySC06wGAMKEg47rvP9iHAE</guid>
	<description><![CDATA[Everyone has experienced negative cash flow. If you have a troublesome rental property, you may experience negative cash flow. If you have a low income but an appetite for expensive eateries, you may also experience negative cash flow. But, more common than most, if you’re in the early stages of building your small business, negative cash flow may be a harsh but hard to mitigate reality. 

Chris is feeling the sting of sinking purse strings every month. At the start of 2020, Chris left his old job as an engineer to start working for himself. He hired a couple of employees and started taking on more and more work. But, he’s spending too much time training his junior engineers and not enough time locking down high-value contracts, leaving him in the red every month. Surprisingly, more business owners face this problem than you would think. 

Scott puts on his CEO hat to dive deep into the finances of Chris’ business and gives some challenging, yet reasonable, advice on how he can immediately improve his financial situation. With suggestions from both Mindy and Scott, Chris may have a better picture of how he can go from cash flow negative to very comfortable with highly positive cash flow in the near future. You may not be in Chris’ position now, but if you ever plan on starting a business, or have already, this episode is a MUST. 

In This Episode We Cover

Cash savings and why it’s always important to keep a strong safety reserve (especially as a business owner) 

How to break down your negative cash flow situation to find the most costly expenses 

Starting a business vs. continuing to work at a job and why entrepreneurs should be prepared for risk (and loss)

How to establish whether or not an employee truly brings value to your company 

KPIs, goals, and getting on the same page with your team and employees

Executive assistants and why high per-hour earners may need them the most 

And So Much More!

Links from the Show

BiggerPockets Money Facebook Group

BiggerPockets Forums

Finance Review Guest Onboarding

Scott's Instagram

Mindy's Twitter

Apply to Be a Guest on The Money Show

Podcast Talent Search!

Subscribe to The “On The Market” YouTube Channel

Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets 

Check Out Mindy’s 2022 Live Spending Tracker and Budget

6 Steps to Improve Your Financial Situation

15 Things Every Newbie Needs to Know About Starting a Business

How to Know When to Hire Your First Employee

10 Challenges to Seriously Consider BEFORE Quitting Your Day Job




Check the full show notes here: https://www.biggerpockets.com/blog/money-296]]></description>
	<itunes:subtitle><![CDATA[Everyone has experienced negative cash flow. If you have a troublesome rental property, you may experience negative cash flow. If you have a low income but an appetite for expensive eateries, you may also experience negative cash flow. But, more common t]]></itunes:subtitle>
	<content:encoded><![CDATA[Everyone has experienced negative cash flow. If you have a troublesome rental property, you may experience negative cash flow. If you have a low income but an appetite for expensive eateries, you may also experience negative cash flow. But, more common than most, if you’re in the early stages of building your small business, negative cash flow may be a harsh but hard to mitigate reality. 

Chris is feeling the sting of sinking purse strings every month. At the start of 2020, Chris left his old job as an engineer to start working for himself. He hired a couple of employees and started taking on more and more work. But, he’s spending too much time training his junior engineers and not enough time locking down high-value contracts, leaving him in the red every month. Surprisingly, more business owners face this problem than you would think. 

Scott puts on his CEO hat to dive deep into the finances of Chris’ business and gives some challenging, yet reasonable, advice on how he can immediately improve his financial situation. With suggestions from both Mindy and Scott, Chris may have a better picture of how he can go from cash flow negative to very comfortable with highly positive cash flow in the near future. You may not be in Chris’ position now, but if you ever plan on starting a business, or have already, this episode is a MUST. 

In This Episode We Cover

Cash savings and why it’s always important to keep a strong safety reserve (especially as a business owner) 

How to break down your negative cash flow situation to find the most costly expenses 

Starting a business vs. continuing to work at a job and why entrepreneurs should be prepared for risk (and loss)

How to establish whether or not an employee truly brings value to your company 

KPIs, goals, and getting on the same page with your team and employees

Executive assistants and why high per-hour earners may need them the most 

And So Much More!

Links from the Show

BiggerPockets Money Facebook Group

BiggerPockets Forums

Finance Review Guest Onboarding

Scott's Instagram

Mindy's Twitter

Apply to Be a Guest on The Money Show

Podcast Talent Search!

Subscribe to The “On The Market” YouTube Channel

Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets 

Check Out Mindy’s 2022 Live Spending Tracker and Budget

6 Steps to Improve Your Financial Situation

15 Things Every Newbie Needs to Know About Starting a Business

How to Know When to Hire Your First Employee

10 Challenges to Seriously Consider BEFORE Quitting Your Day Job




Check the full show notes here: https://www.biggerpockets.com/blog/money-296]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC1253190341.mp3" length="68729651" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[Everyone has experienced negative cash flow. If you have a troublesome rental property, you may experience negative cash flow. If you have a low income but an appetite for expensive eateries, you may also experience negative cash flow. But, more common than most, if you’re in the early stages of building your small business, negative cash flow may be a harsh but hard to mitigate reality. 

Chris is feeling the sting of sinking purse strings every month. At the start of 2020, Chris left his old job as an engineer to start working for himself. He hired a couple of employees and started taking on more and more work. But, he’s spending too much time training his junior engineers and not enough time locking down high-value contracts, leaving him in the red every month. Surprisingly, more business owners face this problem than you would think. 

Scott puts on his CEO hat to dive deep into the finances of Chris’ business and gives some challenging, yet reasonable, advice on how he can immediately improve his financial situation. With suggestions from both Mindy and Scott, Chris may have a better picture of how he can go from cash flow negative to very comfortable with highly positive cash flow in the near future. You may not be in Chris’ position now, but if you ever plan on starting a business, or have already, this episode is a MUST. 

In This Episode We Cover

Cash savings and why it’s always important to keep a strong safety reserve (especially as a business owner) 

How to break down your negative cash flow situation to find the most costly expenses 

Starting a business vs. continuing to work at a job and why entrepreneurs should be prepared for risk (and loss)

How to establish whether or not an employee truly brings value to your company 

KPIs, goals, and getting on the same page with your team and employees

Executive assistants and why high per-hour earners may need them the most 

And So Much More!

Links from the Show

BiggerPockets Money Facebook Group

BiggerPockets Forums

Finance Review Guest Onboarding

Scott's Instagram

Mindy's Twitter

Apply to Be a Guest on The Money Show

Podcast Talent Search!

Subscribe to The “On The Market” YouTube Channel

Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets 

Check Out Mindy’s 2022 Live Spending Tracker and Budget

6 Steps to Improve Your Financial Situation

15 Things Every Newbie Needs to Know About Starting a Business

How to Know When to Hire Your First Employee

10 Challenges to Seriously Consider BEFORE Quitting Your Day Job




Check the full show notes here: https://www.biggerpockets.com/blog/money-296]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[Everyone has experienced negative cash flow. If you have a troublesome rental property, you may experience negative cash flow. If you have a low income but an appetite for expensive eateries, you may also experience negative cash flow. But, more common than most, if you’re in the early stages of building your small business, negative cash flow may be a harsh but hard to mitigate reality. 

Chris is feeling the sting of sinking purse strings every month. At the start of 2020, Chris left his old job as an engineer to start working for himself. He hired a couple of employees and started taking on more and more work. But, he’s spending too much time training his junior engineers and not enough time locking down high-value contracts, leaving him in the red every month. Surprisingly, more business owners face this problem than you would think. 

Scott puts on his CEO hat to dive deep into the finances of Chris’ business and gives some challenging, yet reasonable, advice on how he can immedi]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>295: Fueling Early Retirement at 36 with Just 4 Rental Properties w/Antoinette Munroe</title>
	<link>https://biggerpocketsmoney.com/podcast/295-fueling-early-retirement-at-36-with-just-4-rental-properties-w-antoinette-munroe/</link>
	<pubDate>Mon, 25 Apr 2022 06:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">gid://art19-episode-locator/V0/ZhlcVc8EvU--Lflc-ZJb2USx23BtdIedfKQNCP1HUCs</guid>
	<description><![CDATA[Early retirement was a goal for today’s guest, Antoinette Munroe, the moment she started making money. Her money journey started in second grade when she sold her Halloween candy for extra cash. By high school, she graduated to selling a wide variety of different things and even started her own distribution network with her cousins at their respective schools. 




By the time she got to college, her main focus was staying out of trouble, avoiding debt and saving. It wasn’t until her last semester of grad school that she had to take out loans. After graduation, her priorities shifted, and she got a job to pay off her debt. Starting with her first check at her new job, she laid out her budget ABCs. Her ABCs follow a simple principle; automation, balance, and consistency. And after two years, she paid off her $27,000 debt! 




In 2015 she decided to start looking for a home, and by the end of 2015, she purchased one. She did a complete rehab on the house while also adding an addition in hopes of getting rid of her expenses to achieve her ultimate goal of not having to work. She put the finished addition on Airbnb, and it now cash flows and pays her expenses. After she realizing the power of real estate investing to build net worth and generate wealth, she did this three more times and now owns four cash-flowing properties. She is now retired and lives the free life of leisure she always envisioned for herself. 




In This Episode We Cover

The importance of saving money and the freedom that comes with it 

How to make an efficient and realistic budget &#38; how to stick with it 

The Budgeting ABCs &#38; how to simplify your budget (and your life!)

Creative financing and using it to buy deals when you don’t have the cash 

How to create and maintain a cash-flowing asset 

And So Much More!




Links from the Show

BiggerPockets Money Facebook Group

BiggerPockets Forums

Finance Review Guest Onboarding

Scott's Instagram

Mindy's Twitter

Apply to Be a Guest on The Money Show

Podcast Talent Search!

Subscribe to The “On The Market” YouTube Channel

Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets 




Check the full show notes here: https://www.biggerpockets.com/blog/money-295]]></description>
	<itunes:subtitle><![CDATA[Early retirement was a goal for today’s guest, Antoinette Munroe, the moment she started making money. Her money journey started in second grade when she sold her Halloween candy for extra cash. By high school, she graduated to selling a wide variety of ]]></itunes:subtitle>
	<content:encoded><![CDATA[Early retirement was a goal for today’s guest, Antoinette Munroe, the moment she started making money. Her money journey started in second grade when she sold her Halloween candy for extra cash. By high school, she graduated to selling a wide variety of different things and even started her own distribution network with her cousins at their respective schools. 




By the time she got to college, her main focus was staying out of trouble, avoiding debt and saving. It wasn’t until her last semester of grad school that she had to take out loans. After graduation, her priorities shifted, and she got a job to pay off her debt. Starting with her first check at her new job, she laid out her budget ABCs. Her ABCs follow a simple principle; automation, balance, and consistency. And after two years, she paid off her $27,000 debt! 




In 2015 she decided to start looking for a home, and by the end of 2015, she purchased one. She did a complete rehab on the house while also adding an addition in hopes of getting rid of her expenses to achieve her ultimate goal of not having to work. She put the finished addition on Airbnb, and it now cash flows and pays her expenses. After she realizing the power of real estate investing to build net worth and generate wealth, she did this three more times and now owns four cash-flowing properties. She is now retired and lives the free life of leisure she always envisioned for herself. 




In This Episode We Cover

The importance of saving money and the freedom that comes with it 

How to make an efficient and realistic budget &#38; how to stick with it 

The Budgeting ABCs &#38; how to simplify your budget (and your life!)

Creative financing and using it to buy deals when you don’t have the cash 

How to create and maintain a cash-flowing asset 

And So Much More!




Links from the Show

BiggerPockets Money Facebook Group

BiggerPockets Forums

Finance Review Guest Onboarding

Scott's Instagram

Mindy's Twitter

Apply to Be a Guest on The Money Show

Podcast Talent Search!

Subscribe to The “On The Market” YouTube Channel

Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets 




Check the full show notes here: https://www.biggerpockets.com/blog/money-295]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC1914707185.mp3" length="58449444" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[Early retirement was a goal for today’s guest, Antoinette Munroe, the moment she started making money. Her money journey started in second grade when she sold her Halloween candy for extra cash. By high school, she graduated to selling a wide variety of different things and even started her own distribution network with her cousins at their respective schools. 




By the time she got to college, her main focus was staying out of trouble, avoiding debt and saving. It wasn’t until her last semester of grad school that she had to take out loans. After graduation, her priorities shifted, and she got a job to pay off her debt. Starting with her first check at her new job, she laid out her budget ABCs. Her ABCs follow a simple principle; automation, balance, and consistency. And after two years, she paid off her $27,000 debt! 




In 2015 she decided to start looking for a home, and by the end of 2015, she purchased one. She did a complete rehab on the house while also adding an addition in hopes of getting rid of her expenses to achieve her ultimate goal of not having to work. She put the finished addition on Airbnb, and it now cash flows and pays her expenses. After she realizing the power of real estate investing to build net worth and generate wealth, she did this three more times and now owns four cash-flowing properties. She is now retired and lives the free life of leisure she always envisioned for herself. 




In This Episode We Cover

The importance of saving money and the freedom that comes with it 

How to make an efficient and realistic budget &#38; how to stick with it 

The Budgeting ABCs &#38; how to simplify your budget (and your life!)

Creative financing and using it to buy deals when you don’t have the cash 

How to create and maintain a cash-flowing asset 

And So Much More!




Links from the Show

BiggerPockets Money Facebook Group

BiggerPockets Forums

Finance Review Guest Onboarding

Scott's Instagram

Mindy's Twitter

Apply to Be a Guest on The Money Show

Podcast Talent Search!

Subscribe to The “On The Market” YouTube Channel

Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets 




Check the full show notes here: https://www.biggerpockets.com/blog/money-295]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[Early retirement was a goal for today’s guest, Antoinette Munroe, the moment she started making money. Her money journey started in second grade when she sold her Halloween candy for extra cash. By high school, she graduated to selling a wide variety of different things and even started her own distribution network with her cousins at their respective schools. 




By the time she got to college, her main focus was staying out of trouble, avoiding debt and saving. It wasn’t until her last semester of grad school that she had to take out loans. After graduation, her priorities shifted, and she got a job to pay off her debt. Starting with her first check at her new job, she laid out her budget ABCs. Her ABCs follow a simple principle; automation, balance, and consistency. And after two years, she paid off her $27,000 debt! 




In 2015 she decided to start looking for a home, and by the end of 2015, she purchased one. She did a complete rehab on the house while also adding an addition i]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>294: Finance Friday: Stable Index Funds or Cash-Flow-Reliable Rentals?</title>
	<link>https://biggerpocketsmoney.com/podcast/294-finance-friday-stable-index-funds-or-cash-flow-reliable-rentals/</link>
	<pubDate>Fri, 22 Apr 2022 06:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">gid://art19-episode-locator/V0/l-L6fdoL_xgOFYaSaqtMpdgheMV2yTP9KJlO21YYFys</guid>
	<description><![CDATA[Index funds and rental properties are at opposite ends of the investing spectrum. On one side, you have highly diversified, almost entirely passive index funds. On the other, you have cash-flowing, yet far more hands-on, rental properties. Both of these beloved types of investments belong in (almost) every investor's portfolio, but how much should you have of one or the other?




Today’s guest Cecilia has built a strong net worth while keeping her income high and expenses low. She bought at the bottom of the market in Southern California, so while home prices rise all around her, she’s sitting comfortably with her rock-bottom mortgage payment. Thanks to all the housing expense-related savings, Cecilia has been able to dump a lot of her extra cash into the stock market. But, she’s longing for a more travel-focused life, where she can take sabbaticals in any corner of the world she chooses.




Part of her plan to wealth-gaining greatness is buying a short-term rental in a city she loves, so she can still vacation on the cheap. In order to do this though, she may need to sell off some of her investments or swap her strategy entirely for cash-flowing rental properties in cheaper parts of the United States. Which path will set Cecilia on a fast track to FI?




In This Episode We Cover

How much to have in your safety reserves and what to do when you have too much cash

Index funds vs. rental properties and when to focus on which asset 

Long-term rentals vs. short-term rentals and the cash flow that comes from both

Building the perfect investment plan that will coast you to the life you love

Automating your business and spending less time on repeatable tasks 

Whether or not early mortgage payoff is a good idea in low-interest times 

And So Much More!




Links from the Show

BiggerPockets Money Facebook Group

BiggerPockets Forums

Finance Review Guest Onboarding

Scott's Instagram

Mindy's Twitter

Apply to Be a Guest on The Money Show

Podcast Talent Search!

Subscribe to The “On The Market” YouTube Channel

Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets 







Check the full show notes here: https://www.biggerpockets.com/blog/money-294]]></description>
	<itunes:subtitle><![CDATA[Index funds and rental properties are at opposite ends of the investing spectrum. On one side, you have highly diversified, almost entirely passive index funds. On the other, you have cash-flowing, yet far more hands-on, rental properties. Both of these ]]></itunes:subtitle>
	<content:encoded><![CDATA[Index funds and rental properties are at opposite ends of the investing spectrum. On one side, you have highly diversified, almost entirely passive index funds. On the other, you have cash-flowing, yet far more hands-on, rental properties. Both of these beloved types of investments belong in (almost) every investor's portfolio, but how much should you have of one or the other?




Today’s guest Cecilia has built a strong net worth while keeping her income high and expenses low. She bought at the bottom of the market in Southern California, so while home prices rise all around her, she’s sitting comfortably with her rock-bottom mortgage payment. Thanks to all the housing expense-related savings, Cecilia has been able to dump a lot of her extra cash into the stock market. But, she’s longing for a more travel-focused life, where she can take sabbaticals in any corner of the world she chooses.




Part of her plan to wealth-gaining greatness is buying a short-term rental in a city she loves, so she can still vacation on the cheap. In order to do this though, she may need to sell off some of her investments or swap her strategy entirely for cash-flowing rental properties in cheaper parts of the United States. Which path will set Cecilia on a fast track to FI?




In This Episode We Cover

How much to have in your safety reserves and what to do when you have too much cash

Index funds vs. rental properties and when to focus on which asset 

Long-term rentals vs. short-term rentals and the cash flow that comes from both

Building the perfect investment plan that will coast you to the life you love

Automating your business and spending less time on repeatable tasks 

Whether or not early mortgage payoff is a good idea in low-interest times 

And So Much More!




Links from the Show

BiggerPockets Money Facebook Group

BiggerPockets Forums

Finance Review Guest Onboarding

Scott's Instagram

Mindy's Twitter

Apply to Be a Guest on The Money Show

Podcast Talent Search!

Subscribe to The “On The Market” YouTube Channel

Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets 







Check the full show notes here: https://www.biggerpockets.com/blog/money-294]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC4743655654.mp3" length="61245608" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[Index funds and rental properties are at opposite ends of the investing spectrum. On one side, you have highly diversified, almost entirely passive index funds. On the other, you have cash-flowing, yet far more hands-on, rental properties. Both of these beloved types of investments belong in (almost) every investor's portfolio, but how much should you have of one or the other?




Today’s guest Cecilia has built a strong net worth while keeping her income high and expenses low. She bought at the bottom of the market in Southern California, so while home prices rise all around her, she’s sitting comfortably with her rock-bottom mortgage payment. Thanks to all the housing expense-related savings, Cecilia has been able to dump a lot of her extra cash into the stock market. But, she’s longing for a more travel-focused life, where she can take sabbaticals in any corner of the world she chooses.




Part of her plan to wealth-gaining greatness is buying a short-term rental in a city she loves, so she can still vacation on the cheap. In order to do this though, she may need to sell off some of her investments or swap her strategy entirely for cash-flowing rental properties in cheaper parts of the United States. Which path will set Cecilia on a fast track to FI?




In This Episode We Cover

How much to have in your safety reserves and what to do when you have too much cash

Index funds vs. rental properties and when to focus on which asset 

Long-term rentals vs. short-term rentals and the cash flow that comes from both

Building the perfect investment plan that will coast you to the life you love

Automating your business and spending less time on repeatable tasks 

Whether or not early mortgage payoff is a good idea in low-interest times 

And So Much More!




Links from the Show

BiggerPockets Money Facebook Group

BiggerPockets Forums

Finance Review Guest Onboarding

Scott's Instagram

Mindy's Twitter

Apply to Be a Guest on The Money Show

Podcast Talent Search!

Subscribe to The “On The Market” YouTube Channel

Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets 







Check the full show notes here: https://www.biggerpockets.com/blog/money-294]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[Index funds and rental properties are at opposite ends of the investing spectrum. On one side, you have highly diversified, almost entirely passive index funds. On the other, you have cash-flowing, yet far more hands-on, rental properties. Both of these beloved types of investments belong in (almost) every investor's portfolio, but how much should you have of one or the other?




Today’s guest Cecilia has built a strong net worth while keeping her income high and expenses low. She bought at the bottom of the market in Southern California, so while home prices rise all around her, she’s sitting comfortably with her rock-bottom mortgage payment. Thanks to all the housing expense-related savings, Cecilia has been able to dump a lot of her extra cash into the stock market. But, she’s longing for a more travel-focused life, where she can take sabbaticals in any corner of the world she chooses.




Part of her plan to wealth-gaining greatness is buying a short-term rental in a city she lov]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>293: Why 40% of Master&#8217;s Degrees Aren’t Worth It (and Which Are) w/Preston Cooper</title>
	<link>https://biggerpocketsmoney.com/podcast/293-why-40-of-masters-degrees-arent-worth-it-and-which-are-w-preston-cooper/</link>
	<pubDate>Mon, 18 Apr 2022 06:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">gid://art19-episode-locator/V0/FMrLnWuuT6Qr6iQcyEOxlPQIwWenPA6wlYPA9fT4voU</guid>
	<description><![CDATA[A master’s degree shows quite simply that you’re a master (at least to some extent) in a certain subject. For decades, getting a master’s degree has been seen as a financially savvy move to open you up to higher pay, better job opportunities, and golden networking connections. But times have changed, and as more students see college as an inferior option to working, it begs the question: is a graduate degree worth the price?




You can’t know the answer unless you compile tens of thousands of pieces of data. Thankfully, we didn’t have to do that, we just invited Preston Cooper on the show to explain the research he and his team at FREOPP did. You may recognize Preston from his previous episode on the BiggerPockets Money Podcast where he mapped out which undergraduate degrees were worth it. Now, he’s back to show which master’s degrees have the highest (and lowest) ROI.




You’ll hear Preston answer questions like when is the right time to go back to school, which master’s degrees are fatal for financial freedom, and how students should go about choosing a degree or a combination of degrees. So, whether you’re pondering going back to school to get a degree in underwater basket weaving, horse training, or law, Preston has the data to help you make that decision! 




In This Episode We Cover

Why different schools can have dramatically different degree ROIs

The best (and worst) master’s degrees to pursue 

How degree combinations can help you make more money in a related career 

When is the right time to pursue a graduate degree (after college or after working)?

The common misconception about MBAs and why most graduate business degrees aren’t worth the cost

The future cost of college tuition as admission rates drop and inflation continues to rise 

And So Much More!




Links from the Show

BiggerPockets Money Facebook Group

BiggerPockets Forums

Finance Review Guest Onboarding

Scott's Instagram

Mindy's Twitter

Apply to Be a Guest on The Money Show

Podcast Talent Search!

Subscribe to The “On The Market” YouTube Channel

Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets 

Hear Our Previous Interview with Preston on Episode 251

Check Out Preston’s Grad Degree and Bachelor Degree Study:

More FREOPP Higher Education Resources 

FREOPP

Is A Master’s Degree Worth The Pay Raise?

Connect with Dave on BiggerPockets




Check the full show notes here: https://www.biggerpockets.com/blog/money-293]]></description>
	<itunes:subtitle><![CDATA[A master’s degree shows quite simply that you’re a master (at least to some extent) in a certain subject. For decades, getting a master’s degree has been seen as a financially savvy move to open you up to higher pay, better job opportunities, and golden ]]></itunes:subtitle>
	<content:encoded><![CDATA[A master’s degree shows quite simply that you’re a master (at least to some extent) in a certain subject. For decades, getting a master’s degree has been seen as a financially savvy move to open you up to higher pay, better job opportunities, and golden networking connections. But times have changed, and as more students see college as an inferior option to working, it begs the question: is a graduate degree worth the price?




You can’t know the answer unless you compile tens of thousands of pieces of data. Thankfully, we didn’t have to do that, we just invited Preston Cooper on the show to explain the research he and his team at FREOPP did. You may recognize Preston from his previous episode on the BiggerPockets Money Podcast where he mapped out which undergraduate degrees were worth it. Now, he’s back to show which master’s degrees have the highest (and lowest) ROI.




You’ll hear Preston answer questions like when is the right time to go back to school, which master’s degrees are fatal for financial freedom, and how students should go about choosing a degree or a combination of degrees. So, whether you’re pondering going back to school to get a degree in underwater basket weaving, horse training, or law, Preston has the data to help you make that decision! 




In This Episode We Cover

Why different schools can have dramatically different degree ROIs

The best (and worst) master’s degrees to pursue 

How degree combinations can help you make more money in a related career 

When is the right time to pursue a graduate degree (after college or after working)?

The common misconception about MBAs and why most graduate business degrees aren’t worth the cost

The future cost of college tuition as admission rates drop and inflation continues to rise 

And So Much More!




Links from the Show

BiggerPockets Money Facebook Group

BiggerPockets Forums

Finance Review Guest Onboarding

Scott's Instagram

Mindy's Twitter

Apply to Be a Guest on The Money Show

Podcast Talent Search!

Subscribe to The “On The Market” YouTube Channel

Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets 

Hear Our Previous Interview with Preston on Episode 251

Check Out Preston’s Grad Degree and Bachelor Degree Study:

More FREOPP Higher Education Resources 

FREOPP

Is A Master’s Degree Worth The Pay Raise?

Connect with Dave on BiggerPockets




Check the full show notes here: https://www.biggerpockets.com/blog/money-293]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC9644506847.mp3" length="76178080" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[A master’s degree shows quite simply that you’re a master (at least to some extent) in a certain subject. For decades, getting a master’s degree has been seen as a financially savvy move to open you up to higher pay, better job opportunities, and golden networking connections. But times have changed, and as more students see college as an inferior option to working, it begs the question: is a graduate degree worth the price?




You can’t know the answer unless you compile tens of thousands of pieces of data. Thankfully, we didn’t have to do that, we just invited Preston Cooper on the show to explain the research he and his team at FREOPP did. You may recognize Preston from his previous episode on the BiggerPockets Money Podcast where he mapped out which undergraduate degrees were worth it. Now, he’s back to show which master’s degrees have the highest (and lowest) ROI.




You’ll hear Preston answer questions like when is the right time to go back to school, which master’s degrees are fatal for financial freedom, and how students should go about choosing a degree or a combination of degrees. So, whether you’re pondering going back to school to get a degree in underwater basket weaving, horse training, or law, Preston has the data to help you make that decision! 




In This Episode We Cover

Why different schools can have dramatically different degree ROIs

The best (and worst) master’s degrees to pursue 

How degree combinations can help you make more money in a related career 

When is the right time to pursue a graduate degree (after college or after working)?

The common misconception about MBAs and why most graduate business degrees aren’t worth the cost

The future cost of college tuition as admission rates drop and inflation continues to rise 

And So Much More!




Links from the Show

BiggerPockets Money Facebook Group

BiggerPockets Forums

Finance Review Guest Onboarding

Scott's Instagram

Mindy's Twitter

Apply to Be a Guest on The Money Show

Podcast Talent Search!

Subscribe to The “On The Market” YouTube Channel

Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets 

Hear Our Previous Interview with Preston on Episode 251

Check Out Preston’s Grad Degree and Bachelor Degree Study:

More FREOPP Higher Education Resources 

FREOPP

Is A Master’s Degree Worth The Pay Raise?

Connect with Dave on BiggerPockets




Check the full show notes here: https://www.biggerpockets.com/blog/money-293]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[A master’s degree shows quite simply that you’re a master (at least to some extent) in a certain subject. For decades, getting a master’s degree has been seen as a financially savvy move to open you up to higher pay, better job opportunities, and golden networking connections. But times have changed, and as more students see college as an inferior option to working, it begs the question: is a graduate degree worth the price?




You can’t know the answer unless you compile tens of thousands of pieces of data. Thankfully, we didn’t have to do that, we just invited Preston Cooper on the show to explain the research he and his team at FREOPP did. You may recognize Preston from his previous episode on the BiggerPockets Money Podcast where he mapped out which undergraduate degrees were worth it. Now, he’s back to show which master’s degrees have the highest (and lowest) ROI.




You’ll hear Preston answer questions like when is the right time to go back to school, which master’s degrees ar]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>292: Mindy &#038; Carl’s Spending Summary: March Money Madness Edition</title>
	<link>https://biggerpocketsmoney.com/podcast/292-mindy-carls-spending-summary-march-money-madness-edition/</link>
	<pubDate>Fri, 15 Apr 2022 06:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">gid://art19-episode-locator/V0/aQ8SYiq7B8j18N4ZB4XUVJKk9qInhoSxvA_VN2LG1TQ</guid>
	<description><![CDATA[Financial independence is not a new concept to Carl and Mindy Jensen. For as long as they’ve been together, Carl and Mindy have been open and upfront about their financial situations. When they learned about the FIRE movement, they knew they had an all-time goal to hit. Fortunately for them, they hit it earlier than they needed, but has their current spending forced them to recalculate what it takes to hit financial freedom?




Welcome back to Carl and Mindy's Spending Summary, or as we’re naming it this month, March Money Madness. Carl and Mindy had a few big-ticket items on this month’s expense tracker, namely things like a lovely trip to Seattle and a brand new couch (Mindy bought something new!?). As the months fly by, Mindy has noticed an “over budget” trend, forcing her to either recalculate her FI number or get back into budget mode.




If you’ve gone over budget like Mindy this month, don’t fret! Tracking your expenses and keeping up to date on your budget will still help you achieve the goals you’ve set for yourself. Just be extra mindful in April! 




In This Episode We Cover

Frugal vacations vs. relaxing retreats and how to plan for added travel spending

Gas prices, utility bills, and using solar to lower your cost of living 

The benefits of budgeting and how expense tracking keeps you frugal

Having “money respect” for your partner when sharing finances 

Accounting for big “one-time” purchases like furniture or trips 

How to save money on next month’s grocery bill (look in your pantry!) 

And So Much More!




Links from the Show

BiggerPockets Money Facebook Group

BiggerPockets Forums

Finance Review Guest Onboarding

Scott's Instagram

Mindy's Twitter

Apply to Be a Guest on The Money Show

Podcast Talent Search!







Check the full show notes here: https://www.biggerpockets.com/blog/money-292]]></description>
	<itunes:subtitle><![CDATA[Financial independence is not a new concept to Carl and Mindy Jensen. For as long as they’ve been together, Carl and Mindy have been open and upfront about their financial situations. When they learned about the FIRE movement, they knew they had an all-t]]></itunes:subtitle>
	<content:encoded><![CDATA[Financial independence is not a new concept to Carl and Mindy Jensen. For as long as they’ve been together, Carl and Mindy have been open and upfront about their financial situations. When they learned about the FIRE movement, they knew they had an all-time goal to hit. Fortunately for them, they hit it earlier than they needed, but has their current spending forced them to recalculate what it takes to hit financial freedom?




Welcome back to Carl and Mindy's Spending Summary, or as we’re naming it this month, March Money Madness. Carl and Mindy had a few big-ticket items on this month’s expense tracker, namely things like a lovely trip to Seattle and a brand new couch (Mindy bought something new!?). As the months fly by, Mindy has noticed an “over budget” trend, forcing her to either recalculate her FI number or get back into budget mode.




If you’ve gone over budget like Mindy this month, don’t fret! Tracking your expenses and keeping up to date on your budget will still help you achieve the goals you’ve set for yourself. Just be extra mindful in April! 




In This Episode We Cover

Frugal vacations vs. relaxing retreats and how to plan for added travel spending

Gas prices, utility bills, and using solar to lower your cost of living 

The benefits of budgeting and how expense tracking keeps you frugal

Having “money respect” for your partner when sharing finances 

Accounting for big “one-time” purchases like furniture or trips 

How to save money on next month’s grocery bill (look in your pantry!) 

And So Much More!




Links from the Show

BiggerPockets Money Facebook Group

BiggerPockets Forums

Finance Review Guest Onboarding

Scott's Instagram

Mindy's Twitter

Apply to Be a Guest on The Money Show

Podcast Talent Search!







Check the full show notes here: https://www.biggerpockets.com/blog/money-292]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC9487550580.mp3" length="40794019" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[Financial independence is not a new concept to Carl and Mindy Jensen. For as long as they’ve been together, Carl and Mindy have been open and upfront about their financial situations. When they learned about the FIRE movement, they knew they had an all-time goal to hit. Fortunately for them, they hit it earlier than they needed, but has their current spending forced them to recalculate what it takes to hit financial freedom?




Welcome back to Carl and Mindy's Spending Summary, or as we’re naming it this month, March Money Madness. Carl and Mindy had a few big-ticket items on this month’s expense tracker, namely things like a lovely trip to Seattle and a brand new couch (Mindy bought something new!?). As the months fly by, Mindy has noticed an “over budget” trend, forcing her to either recalculate her FI number or get back into budget mode.




If you’ve gone over budget like Mindy this month, don’t fret! Tracking your expenses and keeping up to date on your budget will still help you achieve the goals you’ve set for yourself. Just be extra mindful in April! 




In This Episode We Cover

Frugal vacations vs. relaxing retreats and how to plan for added travel spending

Gas prices, utility bills, and using solar to lower your cost of living 

The benefits of budgeting and how expense tracking keeps you frugal

Having “money respect” for your partner when sharing finances 

Accounting for big “one-time” purchases like furniture or trips 

How to save money on next month’s grocery bill (look in your pantry!) 

And So Much More!




Links from the Show

BiggerPockets Money Facebook Group

BiggerPockets Forums

Finance Review Guest Onboarding

Scott's Instagram

Mindy's Twitter

Apply to Be a Guest on The Money Show

Podcast Talent Search!







Check the full show notes here: https://www.biggerpockets.com/blog/money-292]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[Financial independence is not a new concept to Carl and Mindy Jensen. For as long as they’ve been together, Carl and Mindy have been open and upfront about their financial situations. When they learned about the FIRE movement, they knew they had an all-time goal to hit. Fortunately for them, they hit it earlier than they needed, but has their current spending forced them to recalculate what it takes to hit financial freedom?




Welcome back to Carl and Mindy's Spending Summary, or as we’re naming it this month, March Money Madness. Carl and Mindy had a few big-ticket items on this month’s expense tracker, namely things like a lovely trip to Seattle and a brand new couch (Mindy bought something new!?). As the months fly by, Mindy has noticed an “over budget” trend, forcing her to either recalculate her FI number or get back into budget mode.




If you’ve gone over budget like Mindy this month, don’t fret! Tracking your expenses and keeping up to date on your budget will still help yo]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>291: Turning eBay Profits into Cash-Flowing Rentals w/The Frugal Gay</title>
	<link>https://biggerpocketsmoney.com/podcast/291-turning-ebay-profits-into-cash-flowing-rentals-w-the-frugal-gay/</link>
	<pubDate>Mon, 11 Apr 2022 06:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">gid://art19-episode-locator/V0/JQQxf4iII0gxw-4doEmlBfQ6btLOrO178KIISsk7ox4</guid>
	<description><![CDATA[eBay flipping isn’t something new. You’ve probably bought something on eBay that was sold by a reseller. Maybe a type of makeup you liked got discontinued. Maybe your favorite pair of jeans from a nationwide chain suddenly disappeared. For eBay resellers like today's guest, Tom Brickman (The Frugal Gay), it’s all about finding the products that people love but can’t get a hold of anymore.




Tom is a master of frugality. Raised by a real estate investor, he knew what cash flow could do to a nine-to-five worker's life. So, at age twenty-one, Tom cashed in some company stock to buy his first multifamily. He inadvertently house hacked and was living in his own place for a whopping $138 per month! From there, he moved from his native Ohio to Texas where he got a full-time job, built his eBay flipping business, and never stopped reinvesting into rentals.




As a side-hustle addict, Tom shares numerous stories about how he made (and lost) large sums of money by reselling on eBay. He even bought an entire house on eBay at auction, which came with bullet holes included. Talk about a deal! Now, retired well before sixty-five, Tom lives a life he loves with his partner, thanks to financial frugality! 




In This Episode We Cover

Why frugality at a young age can compound into massive wealth-building benefits 

ESPP and reinvesting your paycheck so you can use investments to buy cash flow

What makes a great eBay flipping product and how to find the best deals around 

Commercial real estate investing and rehabbing properties for enormous equity gains 

Buying homes at auction online and why you shouldn’t solely trust the zip code a house is in

Paying off credit card debt quickly through hard work and smart money management 

And So Much More!




Links from the Show

BiggerPockets Money Facebook Group

BiggerPockets Forums

Finance Review Guest Onboarding

Scott's Instagram

Mindy's Twitter

Apply to Be a Guest on The Money Show

Podcast Talent Search!

5 Frugality Myths Americans Believe That Would Make Ben Franklin Cry

A Beginners Guide to Hack Your Housing and Live for Free

How to Pay Down Bad Debt—Fast!




Check the full show notes here: https://www.biggerpockets.com/blog/money-291]]></description>
	<itunes:subtitle><![CDATA[eBay flipping isn’t something new. You’ve probably bought something on eBay that was sold by a reseller. Maybe a type of makeup you liked got discontinued. Maybe your favorite pair of jeans from a nationwide chain suddenly disappeared. For eBay resellers]]></itunes:subtitle>
	<content:encoded><![CDATA[eBay flipping isn’t something new. You’ve probably bought something on eBay that was sold by a reseller. Maybe a type of makeup you liked got discontinued. Maybe your favorite pair of jeans from a nationwide chain suddenly disappeared. For eBay resellers like today's guest, Tom Brickman (The Frugal Gay), it’s all about finding the products that people love but can’t get a hold of anymore.




Tom is a master of frugality. Raised by a real estate investor, he knew what cash flow could do to a nine-to-five worker's life. So, at age twenty-one, Tom cashed in some company stock to buy his first multifamily. He inadvertently house hacked and was living in his own place for a whopping $138 per month! From there, he moved from his native Ohio to Texas where he got a full-time job, built his eBay flipping business, and never stopped reinvesting into rentals.




As a side-hustle addict, Tom shares numerous stories about how he made (and lost) large sums of money by reselling on eBay. He even bought an entire house on eBay at auction, which came with bullet holes included. Talk about a deal! Now, retired well before sixty-five, Tom lives a life he loves with his partner, thanks to financial frugality! 




In This Episode We Cover

Why frugality at a young age can compound into massive wealth-building benefits 

ESPP and reinvesting your paycheck so you can use investments to buy cash flow

What makes a great eBay flipping product and how to find the best deals around 

Commercial real estate investing and rehabbing properties for enormous equity gains 

Buying homes at auction online and why you shouldn’t solely trust the zip code a house is in

Paying off credit card debt quickly through hard work and smart money management 

And So Much More!




Links from the Show

BiggerPockets Money Facebook Group

BiggerPockets Forums

Finance Review Guest Onboarding

Scott's Instagram

Mindy's Twitter

Apply to Be a Guest on The Money Show

Podcast Talent Search!

5 Frugality Myths Americans Believe That Would Make Ben Franklin Cry

A Beginners Guide to Hack Your Housing and Live for Free

How to Pay Down Bad Debt—Fast!




Check the full show notes here: https://www.biggerpockets.com/blog/money-291]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC3742472887.mp3" length="72813951" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[eBay flipping isn’t something new. You’ve probably bought something on eBay that was sold by a reseller. Maybe a type of makeup you liked got discontinued. Maybe your favorite pair of jeans from a nationwide chain suddenly disappeared. For eBay resellers like today's guest, Tom Brickman (The Frugal Gay), it’s all about finding the products that people love but can’t get a hold of anymore.




Tom is a master of frugality. Raised by a real estate investor, he knew what cash flow could do to a nine-to-five worker's life. So, at age twenty-one, Tom cashed in some company stock to buy his first multifamily. He inadvertently house hacked and was living in his own place for a whopping $138 per month! From there, he moved from his native Ohio to Texas where he got a full-time job, built his eBay flipping business, and never stopped reinvesting into rentals.




As a side-hustle addict, Tom shares numerous stories about how he made (and lost) large sums of money by reselling on eBay. He even bought an entire house on eBay at auction, which came with bullet holes included. Talk about a deal! Now, retired well before sixty-five, Tom lives a life he loves with his partner, thanks to financial frugality! 




In This Episode We Cover

Why frugality at a young age can compound into massive wealth-building benefits 

ESPP and reinvesting your paycheck so you can use investments to buy cash flow

What makes a great eBay flipping product and how to find the best deals around 

Commercial real estate investing and rehabbing properties for enormous equity gains 

Buying homes at auction online and why you shouldn’t solely trust the zip code a house is in

Paying off credit card debt quickly through hard work and smart money management 

And So Much More!




Links from the Show

BiggerPockets Money Facebook Group

BiggerPockets Forums

Finance Review Guest Onboarding

Scott's Instagram

Mindy's Twitter

Apply to Be a Guest on The Money Show

Podcast Talent Search!

5 Frugality Myths Americans Believe That Would Make Ben Franklin Cry

A Beginners Guide to Hack Your Housing and Live for Free

How to Pay Down Bad Debt—Fast!




Check the full show notes here: https://www.biggerpockets.com/blog/money-291]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[eBay flipping isn’t something new. You’ve probably bought something on eBay that was sold by a reseller. Maybe a type of makeup you liked got discontinued. Maybe your favorite pair of jeans from a nationwide chain suddenly disappeared. For eBay resellers like today's guest, Tom Brickman (The Frugal Gay), it’s all about finding the products that people love but can’t get a hold of anymore.




Tom is a master of frugality. Raised by a real estate investor, he knew what cash flow could do to a nine-to-five worker's life. So, at age twenty-one, Tom cashed in some company stock to buy his first multifamily. He inadvertently house hacked and was living in his own place for a whopping $138 per month! From there, he moved from his native Ohio to Texas where he got a full-time job, built his eBay flipping business, and never stopped reinvesting into rentals.




As a side-hustle addict, Tom shares numerous stories about how he made (and lost) large sums of money by reselling on eBay. He even ]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>290: Finance FAQs: Renting vs. Buying, How to Pay Off Debt, &#038; Creative Real Estate Closings</title>
	<link>https://biggerpocketsmoney.com/podcast/290-finance-faqs-renting-vs-buying-how-to-pay-off-debt-creative-real-estate-closings/</link>
	<pubDate>Fri, 08 Apr 2022 06:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">gid://art19-episode-locator/V0/qvvQ0r2ilD64xMwZ2rCX6Ci4-6Mo-4PpWUXqtFKqxD4</guid>
	<description><![CDATA[Renting vs. buying a home, debt payoff, and the best investments of 2022 are just a few of the topics discussed in this week’s Finance FAQs. That’s right, we’re here with a new segment where Scott and Mindy take your questions directly from the BiggerPockets Money Facebook group and give answers so you can make smarter investing, saving, and life-changing decisions.




In this episode, we get into questions from a range of different financial situations. We have questions about debt payoff schedules, whether to sell stocks and invest in real estate, why “safe” investing may not be smart investing, and what to do when three-quarters of a million dollars are given to you. Scott and Mindy not only answer these questions the best they can, but they also give the “why” behind the financial decision so you can be better equipped when situations like this come up in your own life!




If you want to ask a question or give us feedback about this new format, you can do so on the BiggerPockets Money Facebook Group or leave a comment on the BiggerPockets Money YouTube channel. We’ll try and round up the most commonly asked questions so Scott and Mindy can keep the wealth-building wisdom coming! 




In This Episode We Cover

The safest investment vehicle in 2022 (and why safest doesn’t always mean best)

Whether to pay off student loans or invest in retirement and real estate 

Which debt to pay off first so you can coast to debt-free freedom

Renting vs. buying in today’s hot housing market and how to decide for yourself 

Funding home renovation projects (even when contractor costs are high!) 

House hacking and using it to lower your expenses, grow net worth, and build financial runway 

And So Much More!




Links from the Show

BiggerPockets Money Facebook Group

BiggerPockets Forums

Finance Review Guest Onboarding

Scott's Instagram

Mindy's Twitter

Apply to Be a Guest on The Money Show

Podcast Talent Search!

Follow Along Mindy’s Live Budget Tracking

BiggerPockets Money Podcast 35 with Craig Curelop (House Hacking)

BiggerPockets Money Podcast 267 with Robert Farrington (Student Loans)

Does It Make More Sense to Rent or Buy in Today’s Real Estate Market?

A Beginners Guide to Hack Your Housing and Live for Free

Pay Off Debt or Invest?




Check the full show notes here: https://www.biggerpockets.com/blog/money-290]]></description>
	<itunes:subtitle><![CDATA[Renting vs. buying a home, debt payoff, and the best investments of 2022 are just a few of the topics discussed in this week’s Finance FAQs. That’s right, we’re here with a new segment where Scott and Mindy take your questions directly from the BiggerPoc]]></itunes:subtitle>
	<content:encoded><![CDATA[Renting vs. buying a home, debt payoff, and the best investments of 2022 are just a few of the topics discussed in this week’s Finance FAQs. That’s right, we’re here with a new segment where Scott and Mindy take your questions directly from the BiggerPockets Money Facebook group and give answers so you can make smarter investing, saving, and life-changing decisions.




In this episode, we get into questions from a range of different financial situations. We have questions about debt payoff schedules, whether to sell stocks and invest in real estate, why “safe” investing may not be smart investing, and what to do when three-quarters of a million dollars are given to you. Scott and Mindy not only answer these questions the best they can, but they also give the “why” behind the financial decision so you can be better equipped when situations like this come up in your own life!




If you want to ask a question or give us feedback about this new format, you can do so on the BiggerPockets Money Facebook Group or leave a comment on the BiggerPockets Money YouTube channel. We’ll try and round up the most commonly asked questions so Scott and Mindy can keep the wealth-building wisdom coming! 




In This Episode We Cover

The safest investment vehicle in 2022 (and why safest doesn’t always mean best)

Whether to pay off student loans or invest in retirement and real estate 

Which debt to pay off first so you can coast to debt-free freedom

Renting vs. buying in today’s hot housing market and how to decide for yourself 

Funding home renovation projects (even when contractor costs are high!) 

House hacking and using it to lower your expenses, grow net worth, and build financial runway 

And So Much More!




Links from the Show

BiggerPockets Money Facebook Group

BiggerPockets Forums

Finance Review Guest Onboarding

Scott's Instagram

Mindy's Twitter

Apply to Be a Guest on The Money Show

Podcast Talent Search!

Follow Along Mindy’s Live Budget Tracking

BiggerPockets Money Podcast 35 with Craig Curelop (House Hacking)

BiggerPockets Money Podcast 267 with Robert Farrington (Student Loans)

Does It Make More Sense to Rent or Buy in Today’s Real Estate Market?

A Beginners Guide to Hack Your Housing and Live for Free

Pay Off Debt or Invest?




Check the full show notes here: https://www.biggerpockets.com/blog/money-290]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC5476313372.mp3" length="60750630" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[Renting vs. buying a home, debt payoff, and the best investments of 2022 are just a few of the topics discussed in this week’s Finance FAQs. That’s right, we’re here with a new segment where Scott and Mindy take your questions directly from the BiggerPockets Money Facebook group and give answers so you can make smarter investing, saving, and life-changing decisions.




In this episode, we get into questions from a range of different financial situations. We have questions about debt payoff schedules, whether to sell stocks and invest in real estate, why “safe” investing may not be smart investing, and what to do when three-quarters of a million dollars are given to you. Scott and Mindy not only answer these questions the best they can, but they also give the “why” behind the financial decision so you can be better equipped when situations like this come up in your own life!




If you want to ask a question or give us feedback about this new format, you can do so on the BiggerPockets Money Facebook Group or leave a comment on the BiggerPockets Money YouTube channel. We’ll try and round up the most commonly asked questions so Scott and Mindy can keep the wealth-building wisdom coming! 




In This Episode We Cover

The safest investment vehicle in 2022 (and why safest doesn’t always mean best)

Whether to pay off student loans or invest in retirement and real estate 

Which debt to pay off first so you can coast to debt-free freedom

Renting vs. buying in today’s hot housing market and how to decide for yourself 

Funding home renovation projects (even when contractor costs are high!) 

House hacking and using it to lower your expenses, grow net worth, and build financial runway 

And So Much More!




Links from the Show

BiggerPockets Money Facebook Group

BiggerPockets Forums

Finance Review Guest Onboarding

Scott's Instagram

Mindy's Twitter

Apply to Be a Guest on The Money Show

Podcast Talent Search!

Follow Along Mindy’s Live Budget Tracking

BiggerPockets Money Podcast 35 with Craig Curelop (House Hacking)

BiggerPockets Money Podcast 267 with Robert Farrington (Student Loans)

Does It Make More Sense to Rent or Buy in Today’s Real Estate Market?

A Beginners Guide to Hack Your Housing and Live for Free

Pay Off Debt or Invest?




Check the full show notes here: https://www.biggerpockets.com/blog/money-290]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[Renting vs. buying a home, debt payoff, and the best investments of 2022 are just a few of the topics discussed in this week’s Finance FAQs. That’s right, we’re here with a new segment where Scott and Mindy take your questions directly from the BiggerPockets Money Facebook group and give answers so you can make smarter investing, saving, and life-changing decisions.




In this episode, we get into questions from a range of different financial situations. We have questions about debt payoff schedules, whether to sell stocks and invest in real estate, why “safe” investing may not be smart investing, and what to do when three-quarters of a million dollars are given to you. Scott and Mindy not only answer these questions the best they can, but they also give the “why” behind the financial decision so you can be better equipped when situations like this come up in your own life!




If you want to ask a question or give us feedback about this new format, you can do so on the BiggerPockets]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>289: How to Retire in 3 Years (After MANY Mistakes) with Real Estate w/Hugh Carnahan</title>
	<link>https://biggerpocketsmoney.com/podcast/289-how-to-retire-in-3-years-after-many-mistakes-with-real-estate-w-hugh-carnahan/</link>
	<pubDate>Mon, 04 Apr 2022 06:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">gid://art19-episode-locator/V0/Mw5XJx8HRjh30Ef-me6U-boCnR7F_PgleRZzFvDhUW0</guid>
	<description><![CDATA[Real estate and early retirement go hand in hand. Most people think that it’ll take years (or decades) to build up enough cash flow to simply break even on your monthly expenses (lean FI). Those people probably aren’t thinking as big as today’s guest, Hugh Carnahan, who retired in only three years thanks to speed, diligence, and a courageous amount of risk-taking.




You’d probably assume that to retire in three years, Hugh had to be a very financially adept person. Well, you’d be 100% wrong! Hugh struggled for years with his finances and committed almost every cash flow cardinal sin in the book. He made great income, saved almost none of it, then saved way too much of it, and thought that his path to financial freedom was through getting solar panels on his house, NOT buying houses.




When a local business owner set him straight, he consumed as much real estate investing content as he could. He listened to the BiggerPockets Real Estate Podcast religiously and after 386 episodes, decided he should invest in real estate. So Hugh went and bought a nice single-family home, right? Nope. He did something much different—and he’s financially free because of it.




In This Episode We Cover

How to NOT practice the “pay yourself first” principle of investing and saving 

Lifestyle creep and how it can eat away at your wealth, even as a high-earner 

ESPP programs and the benefits of getting discounted company stock

The BRRRR strategy and using it to force equity on your rental properties

Commercial and portfolio loans, plus how they differ from residential mortgages 

How to leverage cash-flowing real estate to hit financial freedom (fast!) 

And So Much More!




Links from the Show

Follow Along with Mindy’s 2022 Budget

Make Your Own Free Mobile Expense Tracking App in 30 Minutes

BiggerPockets Money Facebook Group

BiggerPockets Forums

Finance Review Guest Onboarding

Scott's Instagram

Mindy's Twitter

Apply to Be a Guest on The Money Show

Podcast Talent Search!




Check the full show notes here: https://www.biggerpockets.com/blog/money-289]]></description>
	<itunes:subtitle><![CDATA[Real estate and early retirement go hand in hand. Most people think that it’ll take years (or decades) to build up enough cash flow to simply break even on your monthly expenses (lean FI). Those people probably aren’t thinking as big as today’s guest, Hu]]></itunes:subtitle>
	<content:encoded><![CDATA[Real estate and early retirement go hand in hand. Most people think that it’ll take years (or decades) to build up enough cash flow to simply break even on your monthly expenses (lean FI). Those people probably aren’t thinking as big as today’s guest, Hugh Carnahan, who retired in only three years thanks to speed, diligence, and a courageous amount of risk-taking.




You’d probably assume that to retire in three years, Hugh had to be a very financially adept person. Well, you’d be 100% wrong! Hugh struggled for years with his finances and committed almost every cash flow cardinal sin in the book. He made great income, saved almost none of it, then saved way too much of it, and thought that his path to financial freedom was through getting solar panels on his house, NOT buying houses.




When a local business owner set him straight, he consumed as much real estate investing content as he could. He listened to the BiggerPockets Real Estate Podcast religiously and after 386 episodes, decided he should invest in real estate. So Hugh went and bought a nice single-family home, right? Nope. He did something much different—and he’s financially free because of it.




In This Episode We Cover

How to NOT practice the “pay yourself first” principle of investing and saving 

Lifestyle creep and how it can eat away at your wealth, even as a high-earner 

ESPP programs and the benefits of getting discounted company stock

The BRRRR strategy and using it to force equity on your rental properties

Commercial and portfolio loans, plus how they differ from residential mortgages 

How to leverage cash-flowing real estate to hit financial freedom (fast!) 

And So Much More!




Links from the Show

Follow Along with Mindy’s 2022 Budget

Make Your Own Free Mobile Expense Tracking App in 30 Minutes

BiggerPockets Money Facebook Group

BiggerPockets Forums

Finance Review Guest Onboarding

Scott's Instagram

Mindy's Twitter

Apply to Be a Guest on The Money Show

Podcast Talent Search!




Check the full show notes here: https://www.biggerpockets.com/blog/money-289]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC2604756581.mp3" length="89434744" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[Real estate and early retirement go hand in hand. Most people think that it’ll take years (or decades) to build up enough cash flow to simply break even on your monthly expenses (lean FI). Those people probably aren’t thinking as big as today’s guest, Hugh Carnahan, who retired in only three years thanks to speed, diligence, and a courageous amount of risk-taking.




You’d probably assume that to retire in three years, Hugh had to be a very financially adept person. Well, you’d be 100% wrong! Hugh struggled for years with his finances and committed almost every cash flow cardinal sin in the book. He made great income, saved almost none of it, then saved way too much of it, and thought that his path to financial freedom was through getting solar panels on his house, NOT buying houses.




When a local business owner set him straight, he consumed as much real estate investing content as he could. He listened to the BiggerPockets Real Estate Podcast religiously and after 386 episodes, decided he should invest in real estate. So Hugh went and bought a nice single-family home, right? Nope. He did something much different—and he’s financially free because of it.




In This Episode We Cover

How to NOT practice the “pay yourself first” principle of investing and saving 

Lifestyle creep and how it can eat away at your wealth, even as a high-earner 

ESPP programs and the benefits of getting discounted company stock

The BRRRR strategy and using it to force equity on your rental properties

Commercial and portfolio loans, plus how they differ from residential mortgages 

How to leverage cash-flowing real estate to hit financial freedom (fast!) 

And So Much More!




Links from the Show

Follow Along with Mindy’s 2022 Budget

Make Your Own Free Mobile Expense Tracking App in 30 Minutes

BiggerPockets Money Facebook Group

BiggerPockets Forums

Finance Review Guest Onboarding

Scott's Instagram

Mindy's Twitter

Apply to Be a Guest on The Money Show

Podcast Talent Search!




Check the full show notes here: https://www.biggerpockets.com/blog/money-289]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[Real estate and early retirement go hand in hand. Most people think that it’ll take years (or decades) to build up enough cash flow to simply break even on your monthly expenses (lean FI). Those people probably aren’t thinking as big as today’s guest, Hugh Carnahan, who retired in only three years thanks to speed, diligence, and a courageous amount of risk-taking.




You’d probably assume that to retire in three years, Hugh had to be a very financially adept person. Well, you’d be 100% wrong! Hugh struggled for years with his finances and committed almost every cash flow cardinal sin in the book. He made great income, saved almost none of it, then saved way too much of it, and thought that his path to financial freedom was through getting solar panels on his house, NOT buying houses.




When a local business owner set him straight, he consumed as much real estate investing content as he could. He listened to the BiggerPockets Real Estate Podcast religiously and after 386 episodes, d]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>288: Finance Friday: Am I Investing Fast Enough to Retire Early in Portugal?</title>
	<link>https://biggerpocketsmoney.com/podcast/288-finance-friday-am-i-investing-fast-enough-to-retire-early-in-portugal/</link>
	<pubDate>Fri, 01 Apr 2022 06:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">gid://art19-episode-locator/V0/RqPbMOaDzJglOa5ez3sb5QJXOfnrPk7EQeooltQOV3o</guid>
	<description><![CDATA[Passive income is a must, especially if you’re trading your life in America to start living in Portugal. Why Portugal? Besides the climate, coastline, and comfortable cost of living, Portugal allows today’s guest, Brandy, to live abroad with a passive income visa. Brandy already works remotely, but will be giving up a significant amount of her income once she makes the move.




Brandy has multiple streams of income—her contract work, her eBay business, her rental portfolio, and her husband's job. In total, this comes out to a handsome $300k per year, and that’s on top of the million dollars worth of equity that sits between her vacation rentals and her primary residence. But what’s the point of so much equity if you can’t use it? This is the main topic of today’s discussion!




Brandy is wondering what will make the most sense for her life abroad—keeping the rental properties or selling and investing in stocks? In order to offer suggestions, Scott and Mindy take a look at Brandy’s entire financial picture, where she stands in terms of retirement, how high her expenses are, and what she can do before her journey to start on the best financial foot possible. 




In This Episode We Cover

Building wealth after bankruptcy, failed businesses, and financial mistakes 

Quitting corporate and coming back in a more flexible, entrepreneurial role

Short-term rental investing and the big profits (and costs) that come with it

What to do if you have too much home equity as part of your net worth?

Backdoor Roth IRAs and retirement investing for self-employed individuals 

Calculating rental property profits and pitting them against other investments 

And So Much More!

Links from the Show:

BiggerPockets Money Facebook Group 

BiggerPockets Forums

How I Used Real Estate to Pay for My Newborn Daughter’s College Education

Backdoor Roths, Mega Backdoor Roths, and Roth Conversion Ladders

Equity Rich and Cash Poor?

Calculate Potential Airbnb Earnings on Your Short-Term Rental

How I Live Overseas &#38; Still Manage My U.S. Rentals




Check the full show notes here: https://www.biggerpockets.com/blog/money-288]]></description>
	<itunes:subtitle><![CDATA[Passive income is a must, especially if you’re trading your life in America to start living in Portugal. Why Portugal? Besides the climate, coastline, and comfortable cost of living, Portugal allows today’s guest, Brandy, to live abroad with a passive in]]></itunes:subtitle>
	<content:encoded><![CDATA[Passive income is a must, especially if you’re trading your life in America to start living in Portugal. Why Portugal? Besides the climate, coastline, and comfortable cost of living, Portugal allows today’s guest, Brandy, to live abroad with a passive income visa. Brandy already works remotely, but will be giving up a significant amount of her income once she makes the move.




Brandy has multiple streams of income—her contract work, her eBay business, her rental portfolio, and her husband's job. In total, this comes out to a handsome $300k per year, and that’s on top of the million dollars worth of equity that sits between her vacation rentals and her primary residence. But what’s the point of so much equity if you can’t use it? This is the main topic of today’s discussion!




Brandy is wondering what will make the most sense for her life abroad—keeping the rental properties or selling and investing in stocks? In order to offer suggestions, Scott and Mindy take a look at Brandy’s entire financial picture, where she stands in terms of retirement, how high her expenses are, and what she can do before her journey to start on the best financial foot possible. 




In This Episode We Cover

Building wealth after bankruptcy, failed businesses, and financial mistakes 

Quitting corporate and coming back in a more flexible, entrepreneurial role

Short-term rental investing and the big profits (and costs) that come with it

What to do if you have too much home equity as part of your net worth?

Backdoor Roth IRAs and retirement investing for self-employed individuals 

Calculating rental property profits and pitting them against other investments 

And So Much More!

Links from the Show:

BiggerPockets Money Facebook Group 

BiggerPockets Forums

How I Used Real Estate to Pay for My Newborn Daughter’s College Education

Backdoor Roths, Mega Backdoor Roths, and Roth Conversion Ladders

Equity Rich and Cash Poor?

Calculate Potential Airbnb Earnings on Your Short-Term Rental

How I Live Overseas &#38; Still Manage My U.S. Rentals




Check the full show notes here: https://www.biggerpockets.com/blog/money-288]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC8364986221.mp3" length="76767969" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[Passive income is a must, especially if you’re trading your life in America to start living in Portugal. Why Portugal? Besides the climate, coastline, and comfortable cost of living, Portugal allows today’s guest, Brandy, to live abroad with a passive income visa. Brandy already works remotely, but will be giving up a significant amount of her income once she makes the move.




Brandy has multiple streams of income—her contract work, her eBay business, her rental portfolio, and her husband's job. In total, this comes out to a handsome $300k per year, and that’s on top of the million dollars worth of equity that sits between her vacation rentals and her primary residence. But what’s the point of so much equity if you can’t use it? This is the main topic of today’s discussion!




Brandy is wondering what will make the most sense for her life abroad—keeping the rental properties or selling and investing in stocks? In order to offer suggestions, Scott and Mindy take a look at Brandy’s entire financial picture, where she stands in terms of retirement, how high her expenses are, and what she can do before her journey to start on the best financial foot possible. 




In This Episode We Cover

Building wealth after bankruptcy, failed businesses, and financial mistakes 

Quitting corporate and coming back in a more flexible, entrepreneurial role

Short-term rental investing and the big profits (and costs) that come with it

What to do if you have too much home equity as part of your net worth?

Backdoor Roth IRAs and retirement investing for self-employed individuals 

Calculating rental property profits and pitting them against other investments 

And So Much More!

Links from the Show:

BiggerPockets Money Facebook Group 

BiggerPockets Forums

How I Used Real Estate to Pay for My Newborn Daughter’s College Education

Backdoor Roths, Mega Backdoor Roths, and Roth Conversion Ladders

Equity Rich and Cash Poor?

Calculate Potential Airbnb Earnings on Your Short-Term Rental

How I Live Overseas &#38; Still Manage My U.S. Rentals




Check the full show notes here: https://www.biggerpockets.com/blog/money-288]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[Passive income is a must, especially if you’re trading your life in America to start living in Portugal. Why Portugal? Besides the climate, coastline, and comfortable cost of living, Portugal allows today’s guest, Brandy, to live abroad with a passive income visa. Brandy already works remotely, but will be giving up a significant amount of her income once she makes the move.




Brandy has multiple streams of income—her contract work, her eBay business, her rental portfolio, and her husband's job. In total, this comes out to a handsome $300k per year, and that’s on top of the million dollars worth of equity that sits between her vacation rentals and her primary residence. But what’s the point of so much equity if you can’t use it? This is the main topic of today’s discussion!




Brandy is wondering what will make the most sense for her life abroad—keeping the rental properties or selling and investing in stocks? In order to offer suggestions, Scott and Mindy take a look at Brandy’s e]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>287: How to Ask for a Raise (and Actually Get It!) w/Kassandra Dasent</title>
	<link>https://biggerpocketsmoney.com/podcast/287-how-to-ask-for-a-raise-and-actually-get-it-w-kassandra-dasent/</link>
	<pubDate>Mon, 28 Mar 2022 06:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">gid://art19-episode-locator/V0/Ne2EpObjebU9Y5AOBHxrS12C6SuO_QdNl8SBOA9YGuc</guid>
	<description><![CDATA[Do you know how to ask for a raise? If you’re like most people, you probably think that we’re asking a rhetorical question. If you think it’s as easy as simply walking up to your boss, asking for more money, and leaving, you probably haven’t ever asked for a raise before. Behind every pay raise request is a clammy-handed employee, hoping that they’ve done well enough to justify that salary bump. Maybe you’re nervous to talk to your boss, maybe you feel unprepared, or maybe you just find it hard to talk about money.




On today’s show, Kassandra Dasent, program manager and wealth advocate, touches on how every employee can prepare to get the raise they deserve. Despite what most people think, you should NOT prepare for your salary review days before it happens. Kassandra has a simple timeline that allows employees to maximize their raise potential throughout the year. So, when it finally comes time to talk numbers, most of the discussion is already done.




This type of strategy has not only helped Kassandra but numerous listeners of the BiggerPockets Money Podcast. But, what if you can’t get a raise? What if your boss says no? What if there’s no budget left for you at the end of the day? Don’t fret, Kassandra lays out the exit strategies you should plan for when career hiccups happen (which they inevitably will). 




In This Episode We Cover

Building your “success folder” and using it as your greatest tool in a salary negotiation 

Taking initiative on pay raises and not letting your boss control your career

Mitigating the fear of talking about money and using your goals to ask for a raise with confidence 

How job-hopping really looks to employers and how it will dictate your career path

Strategizing your raise and negotiating for more than just money 

How often you should update your resume (even if you’ve been at the same company)

And So Much More!




Check the full show notes here: https://www.biggerpockets.com/blog/money-287]]></description>
	<itunes:subtitle><![CDATA[Do you know how to ask for a raise? If you’re like most people, you probably think that we’re asking a rhetorical question. If you think it’s as easy as simply walking up to your boss, asking for more money, and leaving, you probably haven’t ever asked f]]></itunes:subtitle>
	<content:encoded><![CDATA[Do you know how to ask for a raise? If you’re like most people, you probably think that we’re asking a rhetorical question. If you think it’s as easy as simply walking up to your boss, asking for more money, and leaving, you probably haven’t ever asked for a raise before. Behind every pay raise request is a clammy-handed employee, hoping that they’ve done well enough to justify that salary bump. Maybe you’re nervous to talk to your boss, maybe you feel unprepared, or maybe you just find it hard to talk about money.




On today’s show, Kassandra Dasent, program manager and wealth advocate, touches on how every employee can prepare to get the raise they deserve. Despite what most people think, you should NOT prepare for your salary review days before it happens. Kassandra has a simple timeline that allows employees to maximize their raise potential throughout the year. So, when it finally comes time to talk numbers, most of the discussion is already done.




This type of strategy has not only helped Kassandra but numerous listeners of the BiggerPockets Money Podcast. But, what if you can’t get a raise? What if your boss says no? What if there’s no budget left for you at the end of the day? Don’t fret, Kassandra lays out the exit strategies you should plan for when career hiccups happen (which they inevitably will). 




In This Episode We Cover

Building your “success folder” and using it as your greatest tool in a salary negotiation 

Taking initiative on pay raises and not letting your boss control your career

Mitigating the fear of talking about money and using your goals to ask for a raise with confidence 

How job-hopping really looks to employers and how it will dictate your career path

Strategizing your raise and negotiating for more than just money 

How often you should update your resume (even if you’ve been at the same company)

And So Much More!




Check the full show notes here: https://www.biggerpockets.com/blog/money-287]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC7298996783.mp3" length="54310840" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[Do you know how to ask for a raise? If you’re like most people, you probably think that we’re asking a rhetorical question. If you think it’s as easy as simply walking up to your boss, asking for more money, and leaving, you probably haven’t ever asked for a raise before. Behind every pay raise request is a clammy-handed employee, hoping that they’ve done well enough to justify that salary bump. Maybe you’re nervous to talk to your boss, maybe you feel unprepared, or maybe you just find it hard to talk about money.




On today’s show, Kassandra Dasent, program manager and wealth advocate, touches on how every employee can prepare to get the raise they deserve. Despite what most people think, you should NOT prepare for your salary review days before it happens. Kassandra has a simple timeline that allows employees to maximize their raise potential throughout the year. So, when it finally comes time to talk numbers, most of the discussion is already done.




This type of strategy has not only helped Kassandra but numerous listeners of the BiggerPockets Money Podcast. But, what if you can’t get a raise? What if your boss says no? What if there’s no budget left for you at the end of the day? Don’t fret, Kassandra lays out the exit strategies you should plan for when career hiccups happen (which they inevitably will). 




In This Episode We Cover

Building your “success folder” and using it as your greatest tool in a salary negotiation 

Taking initiative on pay raises and not letting your boss control your career

Mitigating the fear of talking about money and using your goals to ask for a raise with confidence 

How job-hopping really looks to employers and how it will dictate your career path

Strategizing your raise and negotiating for more than just money 

How often you should update your resume (even if you’ve been at the same company)

And So Much More!




Check the full show notes here: https://www.biggerpockets.com/blog/money-287]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[Do you know how to ask for a raise? If you’re like most people, you probably think that we’re asking a rhetorical question. If you think it’s as easy as simply walking up to your boss, asking for more money, and leaving, you probably haven’t ever asked for a raise before. Behind every pay raise request is a clammy-handed employee, hoping that they’ve done well enough to justify that salary bump. Maybe you’re nervous to talk to your boss, maybe you feel unprepared, or maybe you just find it hard to talk about money.




On today’s show, Kassandra Dasent, program manager and wealth advocate, touches on how every employee can prepare to get the raise they deserve. Despite what most people think, you should NOT prepare for your salary review days before it happens. Kassandra has a simple timeline that allows employees to maximize their raise potential throughout the year. So, when it finally comes time to talk numbers, most of the discussion is already done.




This type of strategy has ]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>286: Finance Friday: Building Your Financial Runway Even with Irregular Income w/ Eric Dunn</title>
	<link>https://biggerpocketsmoney.com/podcast/286-finance-friday-building-your-financial-runway-even-with-irregular-income-w-eric-dunn/</link>
	<pubDate>Fri, 25 Mar 2022 06:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">gid://art19-episode-locator/V0/Z7IKV-oQbIhm2mgpLEdp_ZsQyL2dx3xQrPlzEFbtW8s</guid>
	<description><![CDATA[It's not uncommon to have irregular income as a business owner or self-employed individual. But with different amounts of money coming in every month, how can you budget, invest, or plan? Some months you’ll make a killing, while other months may have huge burn rates. How do you gain financial clarity when running multiple businesses with multiple income streams? What about becoming debt-free? Is it possible with such inconsistent income? 




This is how Eric Dunn has been feeling lately. After paying off a significant sum of debt, Eric has seen his income slowly rise and needs help ironing out his finances before he can invest in real estate. Eric has numerous businesses that haven’t been given the accounting love they deserve. Not only that, Eric has been trying to get his safety reserve up to hold himself over during the lean months of self-employment.




Mindy and Scott work with Eric to build a financial framework that allows him to scale simply and with minimal effort. They also talk through self-employment tax, financial planning, safety reserves, renting vs. buying real estate, and more. If you’re a regular listener, you probably have more than one stream of income (or will in the future) making this advice worth its weight in gold so you don’t make some of the mistakes Eric is trying to avoid! 




In This Episode We Cover

Paying off consumer debt and using it to propel forward your financial position

Separating business and personal expenses so tax time is headache-free 

Financial planning and analysis, plus using it to model and predict future income

Self-employment taxes and quarterly tax penalties that you can avoid as an entrepreneur 

Whether to rent or buy a home in today’s hot housing market (and strategies for both)

Why your emergency fund is meant to be spent on the right things 

And So Much More!




Check the full show notes here: https://www.biggerpockets.com/blog/money-286]]></description>
	<itunes:subtitle><![CDATA[Its not uncommon to have irregular income as a business owner or self-employed individual. But with different amounts of money coming in every month, how can you budget, invest, or plan? Some months you’ll make a killing, while other months may have huge]]></itunes:subtitle>
	<content:encoded><![CDATA[It's not uncommon to have irregular income as a business owner or self-employed individual. But with different amounts of money coming in every month, how can you budget, invest, or plan? Some months you’ll make a killing, while other months may have huge burn rates. How do you gain financial clarity when running multiple businesses with multiple income streams? What about becoming debt-free? Is it possible with such inconsistent income? 




This is how Eric Dunn has been feeling lately. After paying off a significant sum of debt, Eric has seen his income slowly rise and needs help ironing out his finances before he can invest in real estate. Eric has numerous businesses that haven’t been given the accounting love they deserve. Not only that, Eric has been trying to get his safety reserve up to hold himself over during the lean months of self-employment.




Mindy and Scott work with Eric to build a financial framework that allows him to scale simply and with minimal effort. They also talk through self-employment tax, financial planning, safety reserves, renting vs. buying real estate, and more. If you’re a regular listener, you probably have more than one stream of income (or will in the future) making this advice worth its weight in gold so you don’t make some of the mistakes Eric is trying to avoid! 




In This Episode We Cover

Paying off consumer debt and using it to propel forward your financial position

Separating business and personal expenses so tax time is headache-free 

Financial planning and analysis, plus using it to model and predict future income

Self-employment taxes and quarterly tax penalties that you can avoid as an entrepreneur 

Whether to rent or buy a home in today’s hot housing market (and strategies for both)

Why your emergency fund is meant to be spent on the right things 

And So Much More!




Check the full show notes here: https://www.biggerpockets.com/blog/money-286]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC2987261668.mp3" length="85574127" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[It's not uncommon to have irregular income as a business owner or self-employed individual. But with different amounts of money coming in every month, how can you budget, invest, or plan? Some months you’ll make a killing, while other months may have huge burn rates. How do you gain financial clarity when running multiple businesses with multiple income streams? What about becoming debt-free? Is it possible with such inconsistent income? 




This is how Eric Dunn has been feeling lately. After paying off a significant sum of debt, Eric has seen his income slowly rise and needs help ironing out his finances before he can invest in real estate. Eric has numerous businesses that haven’t been given the accounting love they deserve. Not only that, Eric has been trying to get his safety reserve up to hold himself over during the lean months of self-employment.




Mindy and Scott work with Eric to build a financial framework that allows him to scale simply and with minimal effort. They also talk through self-employment tax, financial planning, safety reserves, renting vs. buying real estate, and more. If you’re a regular listener, you probably have more than one stream of income (or will in the future) making this advice worth its weight in gold so you don’t make some of the mistakes Eric is trying to avoid! 




In This Episode We Cover

Paying off consumer debt and using it to propel forward your financial position

Separating business and personal expenses so tax time is headache-free 

Financial planning and analysis, plus using it to model and predict future income

Self-employment taxes and quarterly tax penalties that you can avoid as an entrepreneur 

Whether to rent or buy a home in today’s hot housing market (and strategies for both)

Why your emergency fund is meant to be spent on the right things 

And So Much More!




Check the full show notes here: https://www.biggerpockets.com/blog/money-286]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[It's not uncommon to have irregular income as a business owner or self-employed individual. But with different amounts of money coming in every month, how can you budget, invest, or plan? Some months you’ll make a killing, while other months may have huge burn rates. How do you gain financial clarity when running multiple businesses with multiple income streams? What about becoming debt-free? Is it possible with such inconsistent income? 




This is how Eric Dunn has been feeling lately. After paying off a significant sum of debt, Eric has seen his income slowly rise and needs help ironing out his finances before he can invest in real estate. Eric has numerous businesses that haven’t been given the accounting love they deserve. Not only that, Eric has been trying to get his safety reserve up to hold himself over during the lean months of self-employment.




Mindy and Scott work with Eric to build a financial framework that allows him to scale simply and with minimal effort. They als]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>285: The Difficult Path to Wealth: Losing Money on Your First Real Estate Deal w/ JL Collins</title>
	<link>https://biggerpocketsmoney.com/podcast/285-the-difficult-path-to-wealth-losing-money-on-your-first-real-estate-deal-w-jl-collins/</link>
	<pubDate>Mon, 21 Mar 2022 06:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">gid://art19-episode-locator/V0/nIzZ3nMC2qk7Co570hTFsUN_J1izaq36KdPADfH4-28</guid>
	<description><![CDATA[When most people think of JL Collins, they think of smart stock and index fund investing. In his classic, The Simple Path to Wealth, JL lays out the foundational path that investors can follow to secure financial freedom simply, easily, and without a ton of stress. So it may come to many FI chasers’ surprise that JL has written a new book on real estate investing, and not index funds, the stock market, or our current state of high inflation.




In, How I Lost Money in Real Estate Before It Was Fashionable, JL lays out, quite candidly, how not to invest in real estate. And before you get mad about that type of advice on a BiggerPockets Podcast, please note that JL isn’t saying to NOT invest in real estate, but to invest in real estate in a smarter way than he did. 




JL is the first to admit that real estate is a phenomenal way to build wealth, create passive income, and retire early. But, if you haven’t fulfilled your 250+ hours of real estate investing education, you probably shouldn’t be purchasing income properties. In today’s show, you’ll hear JL explicitly list out all the mistakes he made when investing, and how you can mitigate these risks and come out profitable instead! 




In This Episode We Cover

“Stagflation” and how 2022 is looking more and more like 1979’s burdensome economy 

How following the herd mentality to buy real estate may cost you time and money

The biggest home renovation mistakes and how to manage contractors correctly 

Staying cautious when buying in a hot housing market and making an offer based on the fundamentals of real estate investing 

Capital gains taxes and preparing for depreciation recapture when selling a property 

The biggest real estate mistakes rookie investors can avoid when getting started 

And So Much More!




Check the full show notes here: https://www.biggerpockets.com/blog/money-285]]></description>
	<itunes:subtitle><![CDATA[When most people think of JL Collins, they think of smart stock and index fund investing. In his classic, The Simple Path to Wealth, JL lays out the foundational path that investors can follow to secure financial freedom simply, easily, and without a ton]]></itunes:subtitle>
	<content:encoded><![CDATA[When most people think of JL Collins, they think of smart stock and index fund investing. In his classic, The Simple Path to Wealth, JL lays out the foundational path that investors can follow to secure financial freedom simply, easily, and without a ton of stress. So it may come to many FI chasers’ surprise that JL has written a new book on real estate investing, and not index funds, the stock market, or our current state of high inflation.




In, How I Lost Money in Real Estate Before It Was Fashionable, JL lays out, quite candidly, how not to invest in real estate. And before you get mad about that type of advice on a BiggerPockets Podcast, please note that JL isn’t saying to NOT invest in real estate, but to invest in real estate in a smarter way than he did. 




JL is the first to admit that real estate is a phenomenal way to build wealth, create passive income, and retire early. But, if you haven’t fulfilled your 250+ hours of real estate investing education, you probably shouldn’t be purchasing income properties. In today’s show, you’ll hear JL explicitly list out all the mistakes he made when investing, and how you can mitigate these risks and come out profitable instead! 




In This Episode We Cover

“Stagflation” and how 2022 is looking more and more like 1979’s burdensome economy 

How following the herd mentality to buy real estate may cost you time and money

The biggest home renovation mistakes and how to manage contractors correctly 

Staying cautious when buying in a hot housing market and making an offer based on the fundamentals of real estate investing 

Capital gains taxes and preparing for depreciation recapture when selling a property 

The biggest real estate mistakes rookie investors can avoid when getting started 

And So Much More!




Check the full show notes here: https://www.biggerpockets.com/blog/money-285]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC5440662423.mp3" length="81348104" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[When most people think of JL Collins, they think of smart stock and index fund investing. In his classic, The Simple Path to Wealth, JL lays out the foundational path that investors can follow to secure financial freedom simply, easily, and without a ton of stress. So it may come to many FI chasers’ surprise that JL has written a new book on real estate investing, and not index funds, the stock market, or our current state of high inflation.




In, How I Lost Money in Real Estate Before It Was Fashionable, JL lays out, quite candidly, how not to invest in real estate. And before you get mad about that type of advice on a BiggerPockets Podcast, please note that JL isn’t saying to NOT invest in real estate, but to invest in real estate in a smarter way than he did. 




JL is the first to admit that real estate is a phenomenal way to build wealth, create passive income, and retire early. But, if you haven’t fulfilled your 250+ hours of real estate investing education, you probably shouldn’t be purchasing income properties. In today’s show, you’ll hear JL explicitly list out all the mistakes he made when investing, and how you can mitigate these risks and come out profitable instead! 




In This Episode We Cover

“Stagflation” and how 2022 is looking more and more like 1979’s burdensome economy 

How following the herd mentality to buy real estate may cost you time and money

The biggest home renovation mistakes and how to manage contractors correctly 

Staying cautious when buying in a hot housing market and making an offer based on the fundamentals of real estate investing 

Capital gains taxes and preparing for depreciation recapture when selling a property 

The biggest real estate mistakes rookie investors can avoid when getting started 

And So Much More!




Check the full show notes here: https://www.biggerpockets.com/blog/money-285]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[When most people think of JL Collins, they think of smart stock and index fund investing. In his classic, The Simple Path to Wealth, JL lays out the foundational path that investors can follow to secure financial freedom simply, easily, and without a ton of stress. So it may come to many FI chasers’ surprise that JL has written a new book on real estate investing, and not index funds, the stock market, or our current state of high inflation.




In, How I Lost Money in Real Estate Before It Was Fashionable, JL lays out, quite candidly, how not to invest in real estate. And before you get mad about that type of advice on a BiggerPockets Podcast, please note that JL isn’t saying to NOT invest in real estate, but to invest in real estate in a smarter way than he did. 




JL is the first to admit that real estate is a phenomenal way to build wealth, create passive income, and retire early. But, if you haven’t fulfilled your 250+ hours of real estate investing education, you probably shou]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>284: Carl and Mindy’s Spending Summary: Why We Went $1,000 Over Budget…Again</title>
	<link>https://biggerpocketsmoney.com/podcast/284-carl-and-mindys-spending-summary-why-we-went-1000-over-budgetagain/</link>
	<pubDate>Fri, 18 Mar 2022 06:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">gid://art19-episode-locator/V0/aWCn5vTRtwhi0EkexzvSPde1nyTHDpYPwthheogj49s</guid>
	<description><![CDATA[Travel budgeting, sky-high gas prices, and “free” utilities are coming up in this month’s episode of Carl and Mindy’s Spending Summary. Like many Americans, Carl and Mindy didn’t have the easiest time sticking to their March budget. With rising food, gas, and utility prices, it may seem that your budget is squeezing you more and more as the months go on.




This month, Carl and Mindy touch on their biggest budget busters and wins, plus why budgets are meant to be adjusted when life permits. Carl and Mindy have been publicly tracking their budget and have found it to be a little trickier than they originally thought. That being said, both of them agree that if you have the financial means to do something you love, it’s probably worth the extra money for a once-in-a-lifetime experience.




If you’ve felt strained while expense tracking and budgeting throughout the start of 2022, just know that two of the most respected voices in the financial space also stumble from time to time. If you make a mistake, overspend, or forget to track your expenses, get back on track, hit your goals, and keep chasing financial freedom!




In This Episode We Cover

What happens when a big expense bursts your budget early 

Optimizing your budget so you have breathing room when prices go up

Offsetting your electricity bill with solar and siphoning off some free natural gas 

Downsizing your costs and reviewing utility bills so you only spend on what you need

Travel budgeting and keeping extra money to build life-long memories 

Conferences where you can find Carl and Mindy in 2022!

And So Much More!




Check the full show notes here: https://www.biggerpockets.com/blog/money-284]]></description>
	<itunes:subtitle><![CDATA[Travel budgeting, sky-high gas prices, and “free” utilities are coming up in this month’s episode of Carl and Mindy’s Spending Summary. Like many Americans, Carl and Mindy didn’t have the easiest time sticking to their March budget. With rising food, gas]]></itunes:subtitle>
	<content:encoded><![CDATA[Travel budgeting, sky-high gas prices, and “free” utilities are coming up in this month’s episode of Carl and Mindy’s Spending Summary. Like many Americans, Carl and Mindy didn’t have the easiest time sticking to their March budget. With rising food, gas, and utility prices, it may seem that your budget is squeezing you more and more as the months go on.




This month, Carl and Mindy touch on their biggest budget busters and wins, plus why budgets are meant to be adjusted when life permits. Carl and Mindy have been publicly tracking their budget and have found it to be a little trickier than they originally thought. That being said, both of them agree that if you have the financial means to do something you love, it’s probably worth the extra money for a once-in-a-lifetime experience.




If you’ve felt strained while expense tracking and budgeting throughout the start of 2022, just know that two of the most respected voices in the financial space also stumble from time to time. If you make a mistake, overspend, or forget to track your expenses, get back on track, hit your goals, and keep chasing financial freedom!




In This Episode We Cover

What happens when a big expense bursts your budget early 

Optimizing your budget so you have breathing room when prices go up

Offsetting your electricity bill with solar and siphoning off some free natural gas 

Downsizing your costs and reviewing utility bills so you only spend on what you need

Travel budgeting and keeping extra money to build life-long memories 

Conferences where you can find Carl and Mindy in 2022!

And So Much More!




Check the full show notes here: https://www.biggerpockets.com/blog/money-284]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC3073754792.mp3" length="41028052" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[Travel budgeting, sky-high gas prices, and “free” utilities are coming up in this month’s episode of Carl and Mindy’s Spending Summary. Like many Americans, Carl and Mindy didn’t have the easiest time sticking to their March budget. With rising food, gas, and utility prices, it may seem that your budget is squeezing you more and more as the months go on.




This month, Carl and Mindy touch on their biggest budget busters and wins, plus why budgets are meant to be adjusted when life permits. Carl and Mindy have been publicly tracking their budget and have found it to be a little trickier than they originally thought. That being said, both of them agree that if you have the financial means to do something you love, it’s probably worth the extra money for a once-in-a-lifetime experience.




If you’ve felt strained while expense tracking and budgeting throughout the start of 2022, just know that two of the most respected voices in the financial space also stumble from time to time. If you make a mistake, overspend, or forget to track your expenses, get back on track, hit your goals, and keep chasing financial freedom!




In This Episode We Cover

What happens when a big expense bursts your budget early 

Optimizing your budget so you have breathing room when prices go up

Offsetting your electricity bill with solar and siphoning off some free natural gas 

Downsizing your costs and reviewing utility bills so you only spend on what you need

Travel budgeting and keeping extra money to build life-long memories 

Conferences where you can find Carl and Mindy in 2022!

And So Much More!




Check the full show notes here: https://www.biggerpockets.com/blog/money-284]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[Travel budgeting, sky-high gas prices, and “free” utilities are coming up in this month’s episode of Carl and Mindy’s Spending Summary. Like many Americans, Carl and Mindy didn’t have the easiest time sticking to their March budget. With rising food, gas, and utility prices, it may seem that your budget is squeezing you more and more as the months go on.




This month, Carl and Mindy touch on their biggest budget busters and wins, plus why budgets are meant to be adjusted when life permits. Carl and Mindy have been publicly tracking their budget and have found it to be a little trickier than they originally thought. That being said, both of them agree that if you have the financial means to do something you love, it’s probably worth the extra money for a once-in-a-lifetime experience.




If you’ve felt strained while expense tracking and budgeting throughout the start of 2022, just know that two of the most respected voices in the financial space also stumble from time to time. If y]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>283: 8+ Income Streams as a Single Mom and Money Master w/ Tiffany Grant</title>
	<link>https://biggerpocketsmoney.com/podcast/283-8-income-streams-as-a-single-mom-and-money-master-w-tiffany-grant/</link>
	<pubDate>Mon, 14 Mar 2022 06:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">gid://art19-episode-locator/V0/drX_m1Mv5bUbCxV6QGA-tg9PBB0VE6skEu68I2Db56o</guid>
	<description><![CDATA[Multiple streams of income are a must if you’re trying to hit financial independence, retire early, and have the luxury of time brought back into your life. While most people simply rely on one stream of income, their W2, others want more than one leg to stand on when it comes to their financial wellbeing. How would you feel if every day you had eight (or more) income streams flowing into your bank account?




Tiffany Grant from Money Talk with Tiff spent over a decade building the income streams that would eventually set her free from the golden handcuffs of corporate life. But, that road wasn’t made easy for her. Tiffany unexpectedly became a teen mom, forcing her to pivot her journey from aspiring chef to community college business student. Thankfully, her natural knack for anything related to money allowed her to advance quickly through college and later the corporate world.




She was making good money, she enjoyed her job, and she was saving almost all of her income. Tiffany knew that her real dream was to own her own business, grow her wealth, and build the life she dreamt of. So, thanks to her smart money management, Tiffany was able to leave corporate, build over eight streams of income with one business, and regain control of her time. If you’re looking to do the same, then definitely don’t skip out on what Tiffany teaches in today’s episode. 




In This Episode We Cover

Building credit at an early age and disputing false claims on your credit report

Fighting income/lifestyle creep as soon you begin to make more income

Quitting corporate life and having the emergency reserves to support yourself

Strategizing your current position so you can make more and work less 

Building multiple income streams from a single business and how anyone can do it

Investing in yourself and doing whatever it takes to stay on the path to financial independence 

And So Much More!




Check the full show notes here: https://www.biggerpockets.com/blog/money-283]]></description>
	<itunes:subtitle><![CDATA[Multiple streams of income are a must if you’re trying to hit financial independence, retire early, and have the luxury of time brought back into your life. While most people simply rely on one stream of income, their W2, others want more than one leg to]]></itunes:subtitle>
	<content:encoded><![CDATA[Multiple streams of income are a must if you’re trying to hit financial independence, retire early, and have the luxury of time brought back into your life. While most people simply rely on one stream of income, their W2, others want more than one leg to stand on when it comes to their financial wellbeing. How would you feel if every day you had eight (or more) income streams flowing into your bank account?




Tiffany Grant from Money Talk with Tiff spent over a decade building the income streams that would eventually set her free from the golden handcuffs of corporate life. But, that road wasn’t made easy for her. Tiffany unexpectedly became a teen mom, forcing her to pivot her journey from aspiring chef to community college business student. Thankfully, her natural knack for anything related to money allowed her to advance quickly through college and later the corporate world.




She was making good money, she enjoyed her job, and she was saving almost all of her income. Tiffany knew that her real dream was to own her own business, grow her wealth, and build the life she dreamt of. So, thanks to her smart money management, Tiffany was able to leave corporate, build over eight streams of income with one business, and regain control of her time. If you’re looking to do the same, then definitely don’t skip out on what Tiffany teaches in today’s episode. 




In This Episode We Cover

Building credit at an early age and disputing false claims on your credit report

Fighting income/lifestyle creep as soon you begin to make more income

Quitting corporate life and having the emergency reserves to support yourself

Strategizing your current position so you can make more and work less 

Building multiple income streams from a single business and how anyone can do it

Investing in yourself and doing whatever it takes to stay on the path to financial independence 

And So Much More!




Check the full show notes here: https://www.biggerpockets.com/blog/money-283]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC9471246943.mp3" length="64792570" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[Multiple streams of income are a must if you’re trying to hit financial independence, retire early, and have the luxury of time brought back into your life. While most people simply rely on one stream of income, their W2, others want more than one leg to stand on when it comes to their financial wellbeing. How would you feel if every day you had eight (or more) income streams flowing into your bank account?




Tiffany Grant from Money Talk with Tiff spent over a decade building the income streams that would eventually set her free from the golden handcuffs of corporate life. But, that road wasn’t made easy for her. Tiffany unexpectedly became a teen mom, forcing her to pivot her journey from aspiring chef to community college business student. Thankfully, her natural knack for anything related to money allowed her to advance quickly through college and later the corporate world.




She was making good money, she enjoyed her job, and she was saving almost all of her income. Tiffany knew that her real dream was to own her own business, grow her wealth, and build the life she dreamt of. So, thanks to her smart money management, Tiffany was able to leave corporate, build over eight streams of income with one business, and regain control of her time. If you’re looking to do the same, then definitely don’t skip out on what Tiffany teaches in today’s episode. 




In This Episode We Cover

Building credit at an early age and disputing false claims on your credit report

Fighting income/lifestyle creep as soon you begin to make more income

Quitting corporate life and having the emergency reserves to support yourself

Strategizing your current position so you can make more and work less 

Building multiple income streams from a single business and how anyone can do it

Investing in yourself and doing whatever it takes to stay on the path to financial independence 

And So Much More!




Check the full show notes here: https://www.biggerpockets.com/blog/money-283]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[Multiple streams of income are a must if you’re trying to hit financial independence, retire early, and have the luxury of time brought back into your life. While most people simply rely on one stream of income, their W2, others want more than one leg to stand on when it comes to their financial wellbeing. How would you feel if every day you had eight (or more) income streams flowing into your bank account?




Tiffany Grant from Money Talk with Tiff spent over a decade building the income streams that would eventually set her free from the golden handcuffs of corporate life. But, that road wasn’t made easy for her. Tiffany unexpectedly became a teen mom, forcing her to pivot her journey from aspiring chef to community college business student. Thankfully, her natural knack for anything related to money allowed her to advance quickly through college and later the corporate world.




She was making good money, she enjoyed her job, and she was saving almost all of her income. Tiffany k]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>282: Finance Friday: Got a Late Start? Here’s How to Ramp Up Your Passive Income</title>
	<link>https://biggerpocketsmoney.com/podcast/282-finance-friday-got-a-late-start-heres-how-to-ramp-up-your-passive-income/</link>
	<pubDate>Fri, 11 Mar 2022 07:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">gid://art19-episode-locator/V0/Ew0grI4u14kRXpa1TzO5I_puYXwaGDxUizj8lKg1rLo</guid>
	<description><![CDATA[Passive income is the name of the game when it comes to real estate investing. While equity can help you build wealth, passive income is what can get you on the road to financial independence. But what if you got a late start in your investing career? With so many millionaire twenty-or-something-year-olds on the internet, it seems like you have to start investing at age eighteen to hit financial freedom.




This couldn’t be more wrong. Even if you feel like you’re a late bloomer when it comes to investing, you’re probably only a few years away from hitting FI—if you make the right decisions. This is the quandary that today’s guest, Nicole, finds herself in. Nicole has recently gone through a divorce and lost a good chunk of her net worth thanks to it. But, she’s poised on investing in real estate so she can hit financial independence sooner rather than later.




Thanks to her service in the military, Nicole has access to the ever-so-helpful VA loan, allowing her to purchase homes with little (or no) down payment. She also has a military pension that will kick in soon, allowing her to mitigate her cost of living even more. So, does Nicole have enough time to build her rental empire and enjoy the Floridian beaches on her time off?




In This Episode We Cover

Why it’s never too late to start investing for your future 

Using VA loans to purchase house hack properties with little to no money down

Short-term rentals, medium-term rentals, and other rental property strategies 

Generating more income through side hustles, job-hopping, and more

The 2022 housing market and the risks/benefits of buying in today’s hectic atmosphere 

Whether or not to invest in retirement accounts when your main goal is cash flow

And So Much More!




Check the full show notes here: https://www.biggerpockets.com/blog/money-282]]></description>
	<itunes:subtitle><![CDATA[Passive income is the name of the game when it comes to real estate investing. While equity can help you build wealth, passive income is what can get you on the road to financial independence. But what if you got a late start in your investing career? Wi]]></itunes:subtitle>
	<content:encoded><![CDATA[Passive income is the name of the game when it comes to real estate investing. While equity can help you build wealth, passive income is what can get you on the road to financial independence. But what if you got a late start in your investing career? With so many millionaire twenty-or-something-year-olds on the internet, it seems like you have to start investing at age eighteen to hit financial freedom.




This couldn’t be more wrong. Even if you feel like you’re a late bloomer when it comes to investing, you’re probably only a few years away from hitting FI—if you make the right decisions. This is the quandary that today’s guest, Nicole, finds herself in. Nicole has recently gone through a divorce and lost a good chunk of her net worth thanks to it. But, she’s poised on investing in real estate so she can hit financial independence sooner rather than later.




Thanks to her service in the military, Nicole has access to the ever-so-helpful VA loan, allowing her to purchase homes with little (or no) down payment. She also has a military pension that will kick in soon, allowing her to mitigate her cost of living even more. So, does Nicole have enough time to build her rental empire and enjoy the Floridian beaches on her time off?




In This Episode We Cover

Why it’s never too late to start investing for your future 

Using VA loans to purchase house hack properties with little to no money down

Short-term rentals, medium-term rentals, and other rental property strategies 

Generating more income through side hustles, job-hopping, and more

The 2022 housing market and the risks/benefits of buying in today’s hectic atmosphere 

Whether or not to invest in retirement accounts when your main goal is cash flow

And So Much More!




Check the full show notes here: https://www.biggerpockets.com/blog/money-282]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC7989813365.mp3" length="68110547" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[Passive income is the name of the game when it comes to real estate investing. While equity can help you build wealth, passive income is what can get you on the road to financial independence. But what if you got a late start in your investing career? With so many millionaire twenty-or-something-year-olds on the internet, it seems like you have to start investing at age eighteen to hit financial freedom.




This couldn’t be more wrong. Even if you feel like you’re a late bloomer when it comes to investing, you’re probably only a few years away from hitting FI—if you make the right decisions. This is the quandary that today’s guest, Nicole, finds herself in. Nicole has recently gone through a divorce and lost a good chunk of her net worth thanks to it. But, she’s poised on investing in real estate so she can hit financial independence sooner rather than later.




Thanks to her service in the military, Nicole has access to the ever-so-helpful VA loan, allowing her to purchase homes with little (or no) down payment. She also has a military pension that will kick in soon, allowing her to mitigate her cost of living even more. So, does Nicole have enough time to build her rental empire and enjoy the Floridian beaches on her time off?




In This Episode We Cover

Why it’s never too late to start investing for your future 

Using VA loans to purchase house hack properties with little to no money down

Short-term rentals, medium-term rentals, and other rental property strategies 

Generating more income through side hustles, job-hopping, and more

The 2022 housing market and the risks/benefits of buying in today’s hectic atmosphere 

Whether or not to invest in retirement accounts when your main goal is cash flow

And So Much More!




Check the full show notes here: https://www.biggerpockets.com/blog/money-282]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[Passive income is the name of the game when it comes to real estate investing. While equity can help you build wealth, passive income is what can get you on the road to financial independence. But what if you got a late start in your investing career? With so many millionaire twenty-or-something-year-olds on the internet, it seems like you have to start investing at age eighteen to hit financial freedom.




This couldn’t be more wrong. Even if you feel like you’re a late bloomer when it comes to investing, you’re probably only a few years away from hitting FI—if you make the right decisions. This is the quandary that today’s guest, Nicole, finds herself in. Nicole has recently gone through a divorce and lost a good chunk of her net worth thanks to it. But, she’s poised on investing in real estate so she can hit financial independence sooner rather than later.




Thanks to her service in the military, Nicole has access to the ever-so-helpful VA loan, allowing her to purchase homes wi]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>281: Former Fed President Warns Easy Money Will Bring Big Consequences for Investors w/ Tom Hoenig</title>
	<link>https://biggerpocketsmoney.com/podcast/281-former-fed-president-warns-easy-money-will-bring-big-consequences-for-investors-w-tom-hoenig/</link>
	<pubDate>Mon, 07 Mar 2022 07:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">gid://art19-episode-locator/V0/TcrPA0z2JfV7O0K5K_6ZHXBft1519p7-LQEUECj2m2E</guid>
	<description><![CDATA[Inflation can be a detriment to any early retirement plan. At first, you may think you only need a certain amount of money to retire, and maybe you’re adjusting for inflation when you do these calculations. But what happens when inflation runs more than triple the average or crosses into double-digit numbers. How does your investment strategy change? How does your “dream retirement” come true when it costs ten percent more than you originally accounted for?




These are all questions that average Americans are asking themselves: when can I retire? Can I retire? How can I afford food or gas or pay my bills? Although we can’t solely blame high inflation on the Federal Reserve, we can see how their policies lead to the situation we’re in now. Someone who stood up against the policies of quantitative easing and massive stimulus packages, is former president of the Federal Reserve Bank of Kansas City, Tom Hoenig. 




Tom was in favor of quantitative easing back at the start of the great recession, but as this power to pump more money into the economy started to get abused, he rallied against the choice of the fed. Today, Mindy and Scott use this episode to ask Tom the hard-hitting questions that average investors want answered so they can make the best financial moves possible while still building wealth. 




In This Episode We Cover

The rampant inflation of the 1980s and how it affects Fed policy to this day

Quantitative easing explained and how it artificially inflates asset prices

How asset values and price inflation go hand in hand 

The goal of the Federal Reserve and how many of their policies have backfired 

Whether or not the 4% rule still stands true in an inflationary environment 

What a “good” unemployment rate looks like and how it maps the health of the economy

How investors can prepare to take advantage of times of economic uncertainty and high inflation 

And So Much More!




Links from the Show

BiggerPockets Money Facebook Group

BiggerPockets Forums

Finance Review Guest Onboarding

Scott's Instagram

Mindy's Twitter

Apply to Be a Guest on The Money Show

Podcast Talent Search!

What Every Investor Should Understand About Inflation

How the Unemployment Rate Affects Us All (Yes, Even the Employed)

The Fed’s Doomsday Prophet Has a Dire Warning About Where We’re Headed

Tom Hoenig on Wikipedia

Check the full show notes here: https://biggerpockets.com/blog/money-281]]></description>
	<itunes:subtitle><![CDATA[Inflation can be a detriment to any early retirement plan. At first, you may think you only need a certain amount of money to retire, and maybe you’re adjusting for inflation when you do these calculations. But what happens when inflation runs more than ]]></itunes:subtitle>
	<content:encoded><![CDATA[Inflation can be a detriment to any early retirement plan. At first, you may think you only need a certain amount of money to retire, and maybe you’re adjusting for inflation when you do these calculations. But what happens when inflation runs more than triple the average or crosses into double-digit numbers. How does your investment strategy change? How does your “dream retirement” come true when it costs ten percent more than you originally accounted for?




These are all questions that average Americans are asking themselves: when can I retire? Can I retire? How can I afford food or gas or pay my bills? Although we can’t solely blame high inflation on the Federal Reserve, we can see how their policies lead to the situation we’re in now. Someone who stood up against the policies of quantitative easing and massive stimulus packages, is former president of the Federal Reserve Bank of Kansas City, Tom Hoenig. 




Tom was in favor of quantitative easing back at the start of the great recession, but as this power to pump more money into the economy started to get abused, he rallied against the choice of the fed. Today, Mindy and Scott use this episode to ask Tom the hard-hitting questions that average investors want answered so they can make the best financial moves possible while still building wealth. 




In This Episode We Cover

The rampant inflation of the 1980s and how it affects Fed policy to this day

Quantitative easing explained and how it artificially inflates asset prices

How asset values and price inflation go hand in hand 

The goal of the Federal Reserve and how many of their policies have backfired 

Whether or not the 4% rule still stands true in an inflationary environment 

What a “good” unemployment rate looks like and how it maps the health of the economy

How investors can prepare to take advantage of times of economic uncertainty and high inflation 

And So Much More!




Links from the Show

BiggerPockets Money Facebook Group

BiggerPockets Forums

Finance Review Guest Onboarding

Scott's Instagram

Mindy's Twitter

Apply to Be a Guest on The Money Show

Podcast Talent Search!

What Every Investor Should Understand About Inflation

How the Unemployment Rate Affects Us All (Yes, Even the Employed)

The Fed’s Doomsday Prophet Has a Dire Warning About Where We’re Headed

Tom Hoenig on Wikipedia

Check the full show notes here: https://biggerpockets.com/blog/money-281]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC1563864851.mp3" length="73881171" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[Inflation can be a detriment to any early retirement plan. At first, you may think you only need a certain amount of money to retire, and maybe you’re adjusting for inflation when you do these calculations. But what happens when inflation runs more than triple the average or crosses into double-digit numbers. How does your investment strategy change? How does your “dream retirement” come true when it costs ten percent more than you originally accounted for?




These are all questions that average Americans are asking themselves: when can I retire? Can I retire? How can I afford food or gas or pay my bills? Although we can’t solely blame high inflation on the Federal Reserve, we can see how their policies lead to the situation we’re in now. Someone who stood up against the policies of quantitative easing and massive stimulus packages, is former president of the Federal Reserve Bank of Kansas City, Tom Hoenig. 




Tom was in favor of quantitative easing back at the start of the great recession, but as this power to pump more money into the economy started to get abused, he rallied against the choice of the fed. Today, Mindy and Scott use this episode to ask Tom the hard-hitting questions that average investors want answered so they can make the best financial moves possible while still building wealth. 




In This Episode We Cover

The rampant inflation of the 1980s and how it affects Fed policy to this day

Quantitative easing explained and how it artificially inflates asset prices

How asset values and price inflation go hand in hand 

The goal of the Federal Reserve and how many of their policies have backfired 

Whether or not the 4% rule still stands true in an inflationary environment 

What a “good” unemployment rate looks like and how it maps the health of the economy

How investors can prepare to take advantage of times of economic uncertainty and high inflation 

And So Much More!




Links from the Show

BiggerPockets Money Facebook Group

BiggerPockets Forums

Finance Review Guest Onboarding

Scott's Instagram

Mindy's Twitter

Apply to Be a Guest on The Money Show

Podcast Talent Search!

What Every Investor Should Understand About Inflation

How the Unemployment Rate Affects Us All (Yes, Even the Employed)

The Fed’s Doomsday Prophet Has a Dire Warning About Where We’re Headed

Tom Hoenig on Wikipedia

Check the full show notes here: https://biggerpockets.com/blog/money-281]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[Inflation can be a detriment to any early retirement plan. At first, you may think you only need a certain amount of money to retire, and maybe you’re adjusting for inflation when you do these calculations. But what happens when inflation runs more than triple the average or crosses into double-digit numbers. How does your investment strategy change? How does your “dream retirement” come true when it costs ten percent more than you originally accounted for?




These are all questions that average Americans are asking themselves: when can I retire? Can I retire? How can I afford food or gas or pay my bills? Although we can’t solely blame high inflation on the Federal Reserve, we can see how their policies lead to the situation we’re in now. Someone who stood up against the policies of quantitative easing and massive stimulus packages, is former president of the Federal Reserve Bank of Kansas City, Tom Hoenig. 




Tom was in favor of quantitative easing back at the start of the great ]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>280: Finance Friday: Who Should (and Shouldn’t) Be Investing in Real Estate</title>
	<link>https://biggerpocketsmoney.com/podcast/280-finance-friday-who-should-and-shouldnt-be-investing-in-real-estate/</link>
	<pubDate>Fri, 04 Mar 2022 07:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">gid://art19-episode-locator/V0/wOri8IQGCq-3WbKxhLd0pmRM8cBf7NdTDhlW-P3pu8U</guid>
	<description><![CDATA[Investing in real estate is a proven way to build wealth, produce more cash flow, and retire early. But, not everyone is cut out to do every type of real estate investing. Some strategies take dramatically more time and effort than others. House hacking may be perfect for investors or couples without kids, live in flips could work best for those with some rehab experience, and BRRRR investing is reserved for those with proven investing experience.




While some of these strategies are as simple as buying a house and renting out a side, others require far more of a time commitment—time that many investors, like today’s guest Jeff, may not have. Jeff is already an established investor, currently living in a house hack that’s helping him offset his mortgage. But, he wants to expand into more return-focused real estate like live in flipping and BRRRRing.




But, with a high-paying job and lots of money in the bank, Scott and Mindy ask the question, “is real estate investing even worth it for Jeff?” Should he be sticking to stocks or does a labor-intensive rehab clearly outweigh the costs? If you’re wondering whether or not you should choose the real estate investing path to FI, make sure you hear out the arguments in today’s episode. 




In This Episode We Cover

Whether or not PMI (private mortgage insurance) is worth it on a low down payment loan

How to make moves to buy a rental property in today’s hot housing market 

Active income vs. passive income and which yields greater benefit 

Live in flipping and the benefits of doing your own work on a rehab

What to do when you have too much cash on hand in an inflationary environment 

Rolling over your 401k to maximize your non-taxable retirement income

And So Much More!]]></description>
	<itunes:subtitle><![CDATA[Investing in real estate is a proven way to build wealth, produce more cash flow, and retire early. But, not everyone is cut out to do every type of real estate investing. Some strategies take dramatically more time and effort than others. House hacking ]]></itunes:subtitle>
	<content:encoded><![CDATA[Investing in real estate is a proven way to build wealth, produce more cash flow, and retire early. But, not everyone is cut out to do every type of real estate investing. Some strategies take dramatically more time and effort than others. House hacking may be perfect for investors or couples without kids, live in flips could work best for those with some rehab experience, and BRRRR investing is reserved for those with proven investing experience.




While some of these strategies are as simple as buying a house and renting out a side, others require far more of a time commitment—time that many investors, like today’s guest Jeff, may not have. Jeff is already an established investor, currently living in a house hack that’s helping him offset his mortgage. But, he wants to expand into more return-focused real estate like live in flipping and BRRRRing.




But, with a high-paying job and lots of money in the bank, Scott and Mindy ask the question, “is real estate investing even worth it for Jeff?” Should he be sticking to stocks or does a labor-intensive rehab clearly outweigh the costs? If you’re wondering whether or not you should choose the real estate investing path to FI, make sure you hear out the arguments in today’s episode. 




In This Episode We Cover

Whether or not PMI (private mortgage insurance) is worth it on a low down payment loan

How to make moves to buy a rental property in today’s hot housing market 

Active income vs. passive income and which yields greater benefit 

Live in flipping and the benefits of doing your own work on a rehab

What to do when you have too much cash on hand in an inflationary environment 

Rolling over your 401k to maximize your non-taxable retirement income

And So Much More!]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC6118414147.mp3" length="63620392" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[Investing in real estate is a proven way to build wealth, produce more cash flow, and retire early. But, not everyone is cut out to do every type of real estate investing. Some strategies take dramatically more time and effort than others. House hacking may be perfect for investors or couples without kids, live in flips could work best for those with some rehab experience, and BRRRR investing is reserved for those with proven investing experience.




While some of these strategies are as simple as buying a house and renting out a side, others require far more of a time commitment—time that many investors, like today’s guest Jeff, may not have. Jeff is already an established investor, currently living in a house hack that’s helping him offset his mortgage. But, he wants to expand into more return-focused real estate like live in flipping and BRRRRing.




But, with a high-paying job and lots of money in the bank, Scott and Mindy ask the question, “is real estate investing even worth it for Jeff?” Should he be sticking to stocks or does a labor-intensive rehab clearly outweigh the costs? If you’re wondering whether or not you should choose the real estate investing path to FI, make sure you hear out the arguments in today’s episode. 




In This Episode We Cover

Whether or not PMI (private mortgage insurance) is worth it on a low down payment loan

How to make moves to buy a rental property in today’s hot housing market 

Active income vs. passive income and which yields greater benefit 

Live in flipping and the benefits of doing your own work on a rehab

What to do when you have too much cash on hand in an inflationary environment 

Rolling over your 401k to maximize your non-taxable retirement income

And So Much More!]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[Investing in real estate is a proven way to build wealth, produce more cash flow, and retire early. But, not everyone is cut out to do every type of real estate investing. Some strategies take dramatically more time and effort than others. House hacking may be perfect for investors or couples without kids, live in flips could work best for those with some rehab experience, and BRRRR investing is reserved for those with proven investing experience.




While some of these strategies are as simple as buying a house and renting out a side, others require far more of a time commitment—time that many investors, like today’s guest Jeff, may not have. Jeff is already an established investor, currently living in a house hack that’s helping him offset his mortgage. But, he wants to expand into more return-focused real estate like live in flipping and BRRRRing.




But, with a high-paying job and lots of money in the bank, Scott and Mindy ask the question, “is real estate investing even worth i]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>279: Digital Nomad-ing and Answering All Your FIRE Healthcare Questions w/Amy &#038; Tim from GoWithLess</title>
	<link>https://biggerpocketsmoney.com/podcast/279-digital-nomad-ing-and-answering-all-your-fire-healthcare-questions-w-amy-tim-from-gowithless/</link>
	<pubDate>Mon, 28 Feb 2022 07:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">gid://art19-episode-locator/V0/LjKtTE7dIiDM7TS1V3p-P_YPtOhRXCX3zv17NSqSKMo</guid>
	<description><![CDATA[Health insurance for early retirement? Is that even a thing? If it is, it doesn’t seem self-evident in the United States. For most early retirees within the USA, you have a couple of options for healthcare—make a low enough income to qualify for government-subsidized healthcare or pay an exorbitant amount of money to either buy healthcare upfront or pay out of pocket any time you get sick. But, that’s not a terribly safe way to live, especially when you’re working with a (relatively) fixed income.




Throughout their world travels, Amy and Tim from GoWithLess have had to learn this the hard way. They were originally insured on a healthshare plan but found it far riskier than they would have liked. Now, as they travel throughout the United States, Mexico, and the world, they’re making sure they’ve covered all bases so a random surgery or two doesn’t force them back into the working world.




Early retirement health insurance is one of the biggest reasons that financial independence-chasers stay at their jobs, so if you’re itching to get your post-work-life travel on, listen to this whole episode. In it, Amy and Tim drop gems about finding health (and auto) insurance when retiring early (or abroad). They also discuss the best questions to ask a healthcare provider or broker, what to look for in a healthcare plan, and how to save money with digital nomad insurance. 




In This Episode We Cover

How Amy and Tim’s post-pandemic travel plans unraveled in 2020 and 2021

House-sitting, dog-sitting, and other ways to creatively lower your travel costs 

“Quick traveling” and the time/mental energy it takes to be a full-time nomad

Roth conversions and using resident-specific tax benefits to convert more

The top questions to ask a healthcare broker when choosing health insurance 

Car insurance as a retiree and how to pay less to be more protected 

And So Much More!]]></description>
	<itunes:subtitle><![CDATA[Health insurance for early retirement? Is that even a thing? If it is, it doesn’t seem self-evident in the United States. For most early retirees within the USA, you have a couple of options for healthcare—make a low enough income to qualify for governme]]></itunes:subtitle>
	<content:encoded><![CDATA[Health insurance for early retirement? Is that even a thing? If it is, it doesn’t seem self-evident in the United States. For most early retirees within the USA, you have a couple of options for healthcare—make a low enough income to qualify for government-subsidized healthcare or pay an exorbitant amount of money to either buy healthcare upfront or pay out of pocket any time you get sick. But, that’s not a terribly safe way to live, especially when you’re working with a (relatively) fixed income.




Throughout their world travels, Amy and Tim from GoWithLess have had to learn this the hard way. They were originally insured on a healthshare plan but found it far riskier than they would have liked. Now, as they travel throughout the United States, Mexico, and the world, they’re making sure they’ve covered all bases so a random surgery or two doesn’t force them back into the working world.




Early retirement health insurance is one of the biggest reasons that financial independence-chasers stay at their jobs, so if you’re itching to get your post-work-life travel on, listen to this whole episode. In it, Amy and Tim drop gems about finding health (and auto) insurance when retiring early (or abroad). They also discuss the best questions to ask a healthcare provider or broker, what to look for in a healthcare plan, and how to save money with digital nomad insurance. 




In This Episode We Cover

How Amy and Tim’s post-pandemic travel plans unraveled in 2020 and 2021

House-sitting, dog-sitting, and other ways to creatively lower your travel costs 

“Quick traveling” and the time/mental energy it takes to be a full-time nomad

Roth conversions and using resident-specific tax benefits to convert more

The top questions to ask a healthcare broker when choosing health insurance 

Car insurance as a retiree and how to pay less to be more protected 

And So Much More!]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC7707222809.mp3" length="76232215" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[Health insurance for early retirement? Is that even a thing? If it is, it doesn’t seem self-evident in the United States. For most early retirees within the USA, you have a couple of options for healthcare—make a low enough income to qualify for government-subsidized healthcare or pay an exorbitant amount of money to either buy healthcare upfront or pay out of pocket any time you get sick. But, that’s not a terribly safe way to live, especially when you’re working with a (relatively) fixed income.




Throughout their world travels, Amy and Tim from GoWithLess have had to learn this the hard way. They were originally insured on a healthshare plan but found it far riskier than they would have liked. Now, as they travel throughout the United States, Mexico, and the world, they’re making sure they’ve covered all bases so a random surgery or two doesn’t force them back into the working world.




Early retirement health insurance is one of the biggest reasons that financial independence-chasers stay at their jobs, so if you’re itching to get your post-work-life travel on, listen to this whole episode. In it, Amy and Tim drop gems about finding health (and auto) insurance when retiring early (or abroad). They also discuss the best questions to ask a healthcare provider or broker, what to look for in a healthcare plan, and how to save money with digital nomad insurance. 




In This Episode We Cover

How Amy and Tim’s post-pandemic travel plans unraveled in 2020 and 2021

House-sitting, dog-sitting, and other ways to creatively lower your travel costs 

“Quick traveling” and the time/mental energy it takes to be a full-time nomad

Roth conversions and using resident-specific tax benefits to convert more

The top questions to ask a healthcare broker when choosing health insurance 

Car insurance as a retiree and how to pay less to be more protected 

And So Much More!]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[Health insurance for early retirement? Is that even a thing? If it is, it doesn’t seem self-evident in the United States. For most early retirees within the USA, you have a couple of options for healthcare—make a low enough income to qualify for government-subsidized healthcare or pay an exorbitant amount of money to either buy healthcare upfront or pay out of pocket any time you get sick. But, that’s not a terribly safe way to live, especially when you’re working with a (relatively) fixed income.




Throughout their world travels, Amy and Tim from GoWithLess have had to learn this the hard way. They were originally insured on a healthshare plan but found it far riskier than they would have liked. Now, as they travel throughout the United States, Mexico, and the world, they’re making sure they’ve covered all bases so a random surgery or two doesn’t force them back into the working world.




Early retirement health insurance is one of the biggest reasons that financial independence-c]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>278: Finance Friday: How to Quell Your Money Anxiety (Even as a High Earner!)</title>
	<link>https://biggerpocketsmoney.com/podcast/278-finance-friday-how-to-quell-your-money-anxiety-even-as-a-high-earner/</link>
	<pubDate>Fri, 25 Feb 2022 07:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">gid://art19-episode-locator/V0/Ughyu0eecDP3pPjHKSvRbbiNS0L3LQdp13uETzIkpk4</guid>
	<description><![CDATA[If you want to know how to save money, just look at your expenses. Odds are, if you’re like most people, you aren't budgeting or tracking your expenses to a tee. But there’s no need to be so hard on yourself, even our money mages themselves, Scott Trench and Mindy Jensen don’t always write down every cent spent. That being said, if you’re planning for a big trip, different expenses, or a sudden life change (like leaving your job), there is no better time than NOW to start tracking your expenses. Today’s guest, TJ, knows this all too well.




TJ makes a phenomenal income and already has a multi-million dollar net worth. But, he still suffers from money anxiety and not knowing how much he’ll need to step away from full-time work. Not only that, TJ is planning to take his children on a two-year-long expedition around the globe, all while TJ and his wife aren’t bringing in their regular high incomes.




But he isn’t just relying on his salary for monthly cash flow. TJ has also invested in rental properties as well as real estate syndications—both of which are providing him thousands a month in passive cash flow. But, after the globe-trotting ends, will TJ have to find himself another job or can he happily ski his way to early retirement upon re-arrival? 




In This Episode We Cover

Retirement accounts, private pensions, and setting your future self up for financial success

Cash savings and emergency funds, plus who needs them (and who doesn’t)

Rental property investing and real estate syndications for passive cash flow

Reducing spending and building a “future budget” that forecasts future spending

Money anxiety and how to mitigate it even if you have a high income and net worth

The 4% rule and using it to easily map out your date of financial independence 

And So Much More!]]></description>
	<itunes:subtitle><![CDATA[If you want to know how to save money, just look at your expenses. Odds are, if you’re like most people, you arent budgeting or tracking your expenses to a tee. But there’s no need to be so hard on yourself, even our money mages themselves, Scott Trench ]]></itunes:subtitle>
	<content:encoded><![CDATA[If you want to know how to save money, just look at your expenses. Odds are, if you’re like most people, you aren't budgeting or tracking your expenses to a tee. But there’s no need to be so hard on yourself, even our money mages themselves, Scott Trench and Mindy Jensen don’t always write down every cent spent. That being said, if you’re planning for a big trip, different expenses, or a sudden life change (like leaving your job), there is no better time than NOW to start tracking your expenses. Today’s guest, TJ, knows this all too well.




TJ makes a phenomenal income and already has a multi-million dollar net worth. But, he still suffers from money anxiety and not knowing how much he’ll need to step away from full-time work. Not only that, TJ is planning to take his children on a two-year-long expedition around the globe, all while TJ and his wife aren’t bringing in their regular high incomes.




But he isn’t just relying on his salary for monthly cash flow. TJ has also invested in rental properties as well as real estate syndications—both of which are providing him thousands a month in passive cash flow. But, after the globe-trotting ends, will TJ have to find himself another job or can he happily ski his way to early retirement upon re-arrival? 




In This Episode We Cover

Retirement accounts, private pensions, and setting your future self up for financial success

Cash savings and emergency funds, plus who needs them (and who doesn’t)

Rental property investing and real estate syndications for passive cash flow

Reducing spending and building a “future budget” that forecasts future spending

Money anxiety and how to mitigate it even if you have a high income and net worth

The 4% rule and using it to easily map out your date of financial independence 

And So Much More!]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC9813227099.mp3" length="72931117" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[If you want to know how to save money, just look at your expenses. Odds are, if you’re like most people, you aren't budgeting or tracking your expenses to a tee. But there’s no need to be so hard on yourself, even our money mages themselves, Scott Trench and Mindy Jensen don’t always write down every cent spent. That being said, if you’re planning for a big trip, different expenses, or a sudden life change (like leaving your job), there is no better time than NOW to start tracking your expenses. Today’s guest, TJ, knows this all too well.




TJ makes a phenomenal income and already has a multi-million dollar net worth. But, he still suffers from money anxiety and not knowing how much he’ll need to step away from full-time work. Not only that, TJ is planning to take his children on a two-year-long expedition around the globe, all while TJ and his wife aren’t bringing in their regular high incomes.




But he isn’t just relying on his salary for monthly cash flow. TJ has also invested in rental properties as well as real estate syndications—both of which are providing him thousands a month in passive cash flow. But, after the globe-trotting ends, will TJ have to find himself another job or can he happily ski his way to early retirement upon re-arrival? 




In This Episode We Cover

Retirement accounts, private pensions, and setting your future self up for financial success

Cash savings and emergency funds, plus who needs them (and who doesn’t)

Rental property investing and real estate syndications for passive cash flow

Reducing spending and building a “future budget” that forecasts future spending

Money anxiety and how to mitigate it even if you have a high income and net worth

The 4% rule and using it to easily map out your date of financial independence 

And So Much More!]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[If you want to know how to save money, just look at your expenses. Odds are, if you’re like most people, you aren't budgeting or tracking your expenses to a tee. But there’s no need to be so hard on yourself, even our money mages themselves, Scott Trench and Mindy Jensen don’t always write down every cent spent. That being said, if you’re planning for a big trip, different expenses, or a sudden life change (like leaving your job), there is no better time than NOW to start tracking your expenses. Today’s guest, TJ, knows this all too well.




TJ makes a phenomenal income and already has a multi-million dollar net worth. But, he still suffers from money anxiety and not knowing how much he’ll need to step away from full-time work. Not only that, TJ is planning to take his children on a two-year-long expedition around the globe, all while TJ and his wife aren’t bringing in their regular high incomes.




But he isn’t just relying on his salary for monthly cash flow. TJ has also invested ]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>277: Fighting the “Hustle Culture” That Ruins The Joy of Financial Independence w/ Pete McPherson</title>
	<link>https://biggerpocketsmoney.com/podcast/277-fighting-the-hustle-culture-that-ruins-the-joy-of-financial-independence-w-pete-mcpherson/</link>
	<pubDate>Mon, 21 Feb 2022 07:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">gid://art19-episode-locator/V0/AoyL191u2NfL8SDTaChzOy7-Xlx098yeguY1sYBELt4</guid>
	<description><![CDATA[“Hustle culture” has been a term for the past decade or so. It somehow became a badge of honor to prove that you’re working the hardest, longest, and most stressful job around. You can handle it, you’re making money, putting in the hours, but what do you have left at the end of the day? This constant grind is what Mindy likes to call the “death race to FI” due to its unnecessary harshness on your free time, relationships, and mental health.




Pete McPherson foresaw this “hustle culture” taking over his life when he quit his sixty-hour week accounting job and decided to start his own business. This wasn’t the first, or second, or fiftieth time Pete had started a business, and he was driven to never set foot in an office again. He wasn’t making phenomenal money the first year, but he made enough to provide for his family, and that was enough for him.




Mindy and guest host Sarah Putt from OT 4 Lyfe talk with Pete about the rarely discussed downsides of chasing early retirement and financial independence. Make no mistake, even if you decided to work twenty hours a week, like Pete, you can still make plenty of money all while being able to watch your favorite movies in the middle of the day or spend time with your kids!




In This Episode We Cover

The detriment of “hustle culture” and why working hard doesn’t mean burning yourself out 

The importance of having an available safety reserve in case you get let go from a job

Jumping into entrepreneurship and developing the grind to make it work

Learning from your mistakes and seeing every failure as a lesson

Picking your “good enough” number and living life on your terms

Why time freedom is the ultimate goal of FI, not exorbitant wealth 

And So Much More!]]></description>
	<itunes:subtitle><![CDATA[“Hustle culture” has been a term for the past decade or so. It somehow became a badge of honor to prove that you’re working the hardest, longest, and most stressful job around. You can handle it, you’re making money, putting in the hours, but what do you]]></itunes:subtitle>
	<content:encoded><![CDATA[“Hustle culture” has been a term for the past decade or so. It somehow became a badge of honor to prove that you’re working the hardest, longest, and most stressful job around. You can handle it, you’re making money, putting in the hours, but what do you have left at the end of the day? This constant grind is what Mindy likes to call the “death race to FI” due to its unnecessary harshness on your free time, relationships, and mental health.




Pete McPherson foresaw this “hustle culture” taking over his life when he quit his sixty-hour week accounting job and decided to start his own business. This wasn’t the first, or second, or fiftieth time Pete had started a business, and he was driven to never set foot in an office again. He wasn’t making phenomenal money the first year, but he made enough to provide for his family, and that was enough for him.




Mindy and guest host Sarah Putt from OT 4 Lyfe talk with Pete about the rarely discussed downsides of chasing early retirement and financial independence. Make no mistake, even if you decided to work twenty hours a week, like Pete, you can still make plenty of money all while being able to watch your favorite movies in the middle of the day or spend time with your kids!




In This Episode We Cover

The detriment of “hustle culture” and why working hard doesn’t mean burning yourself out 

The importance of having an available safety reserve in case you get let go from a job

Jumping into entrepreneurship and developing the grind to make it work

Learning from your mistakes and seeing every failure as a lesson

Picking your “good enough” number and living life on your terms

Why time freedom is the ultimate goal of FI, not exorbitant wealth 

And So Much More!]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC8500446779.mp3" length="85006594" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[“Hustle culture” has been a term for the past decade or so. It somehow became a badge of honor to prove that you’re working the hardest, longest, and most stressful job around. You can handle it, you’re making money, putting in the hours, but what do you have left at the end of the day? This constant grind is what Mindy likes to call the “death race to FI” due to its unnecessary harshness on your free time, relationships, and mental health.




Pete McPherson foresaw this “hustle culture” taking over his life when he quit his sixty-hour week accounting job and decided to start his own business. This wasn’t the first, or second, or fiftieth time Pete had started a business, and he was driven to never set foot in an office again. He wasn’t making phenomenal money the first year, but he made enough to provide for his family, and that was enough for him.




Mindy and guest host Sarah Putt from OT 4 Lyfe talk with Pete about the rarely discussed downsides of chasing early retirement and financial independence. Make no mistake, even if you decided to work twenty hours a week, like Pete, you can still make plenty of money all while being able to watch your favorite movies in the middle of the day or spend time with your kids!




In This Episode We Cover

The detriment of “hustle culture” and why working hard doesn’t mean burning yourself out 

The importance of having an available safety reserve in case you get let go from a job

Jumping into entrepreneurship and developing the grind to make it work

Learning from your mistakes and seeing every failure as a lesson

Picking your “good enough” number and living life on your terms

Why time freedom is the ultimate goal of FI, not exorbitant wealth 

And So Much More!]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[“Hustle culture” has been a term for the past decade or so. It somehow became a badge of honor to prove that you’re working the hardest, longest, and most stressful job around. You can handle it, you’re making money, putting in the hours, but what do you have left at the end of the day? This constant grind is what Mindy likes to call the “death race to FI” due to its unnecessary harshness on your free time, relationships, and mental health.




Pete McPherson foresaw this “hustle culture” taking over his life when he quit his sixty-hour week accounting job and decided to start his own business. This wasn’t the first, or second, or fiftieth time Pete had started a business, and he was driven to never set foot in an office again. He wasn’t making phenomenal money the first year, but he made enough to provide for his family, and that was enough for him.




Mindy and guest host Sarah Putt from OT 4 Lyfe talk with Pete about the rarely discussed downsides of chasing early retirement and f]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>276: Carl and Mindy’s Spending Summary: Why Did We Go So Over Budget in January?</title>
	<link>https://biggerpocketsmoney.com/podcast/276-carl-and-mindys-spending-summary-why-did-we-go-so-over-budget-in-january/</link>
	<pubDate>Fri, 18 Feb 2022 07:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">gid://art19-episode-locator/V0/_bT7lFP4wBa6ur9v1o1toO5FcalXdGLIyZMNTwbUCeI</guid>
	<description><![CDATA[Emergency funds, frugal experiments, free photons, and “thoughtful spending” were just a few things that came to light during Carl and Mindy Jensen’s January 2022 budget recap. If you didn’t know already, Mindy has been publicly tracking her expenses and budgeting for BiggerPockets Money listeners (and the world) to see. But of course, as soon as Mindy shared her public budget, things started to go awry.




Nothing says “let’s start the month off right” like car repairs, furnace replacements, and sky-high gas prices. But, Mindy isn’t a quitter! Even with some big emergency expenses, she and Carl have managed to stay within budget for most of their costly categories in spite of life's fun financial curveballs. 




Carl and Mindy discuss their January “frugal experiment” including hotels and air fryers, how “dry January” became “moist January”, and why this financial powerhouse has opted out of the traditional emergency fund. If you’re starting this year with a few budget busters like Carl and Mindy, don’t let it keep you from hitting your overall 2022 spending goals. Track it, stick with it, and shoot for FI!




In This Episode We Cover

How expense tracking inadvertently stops you from overspending 

Using money in the most efficient way possible so you can increase your “thoughtful spending” 

Budgeting wins (and challenges) that Mindy and Carl faced this January 

Preparing from unexpected budget busters and whether or not an emergency fund is necessary 

How to allocate large bills throughout the year so you don’t go over budget 

Splurging on things you truly enjoy while keeping everyday costs as simplistic as possible

And So Much More!]]></description>
	<itunes:subtitle><![CDATA[Emergency funds, frugal experiments, free photons, and “thoughtful spending” were just a few things that came to light during Carl and Mindy Jensen’s January 2022 budget recap. If you didn’t know already, Mindy has been publicly tracking her expenses and]]></itunes:subtitle>
	<content:encoded><![CDATA[Emergency funds, frugal experiments, free photons, and “thoughtful spending” were just a few things that came to light during Carl and Mindy Jensen’s January 2022 budget recap. If you didn’t know already, Mindy has been publicly tracking her expenses and budgeting for BiggerPockets Money listeners (and the world) to see. But of course, as soon as Mindy shared her public budget, things started to go awry.




Nothing says “let’s start the month off right” like car repairs, furnace replacements, and sky-high gas prices. But, Mindy isn’t a quitter! Even with some big emergency expenses, she and Carl have managed to stay within budget for most of their costly categories in spite of life's fun financial curveballs. 




Carl and Mindy discuss their January “frugal experiment” including hotels and air fryers, how “dry January” became “moist January”, and why this financial powerhouse has opted out of the traditional emergency fund. If you’re starting this year with a few budget busters like Carl and Mindy, don’t let it keep you from hitting your overall 2022 spending goals. Track it, stick with it, and shoot for FI!




In This Episode We Cover

How expense tracking inadvertently stops you from overspending 

Using money in the most efficient way possible so you can increase your “thoughtful spending” 

Budgeting wins (and challenges) that Mindy and Carl faced this January 

Preparing from unexpected budget busters and whether or not an emergency fund is necessary 

How to allocate large bills throughout the year so you don’t go over budget 

Splurging on things you truly enjoy while keeping everyday costs as simplistic as possible

And So Much More!]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC8603212438.mp3" length="48716040" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[Emergency funds, frugal experiments, free photons, and “thoughtful spending” were just a few things that came to light during Carl and Mindy Jensen’s January 2022 budget recap. If you didn’t know already, Mindy has been publicly tracking her expenses and budgeting for BiggerPockets Money listeners (and the world) to see. But of course, as soon as Mindy shared her public budget, things started to go awry.




Nothing says “let’s start the month off right” like car repairs, furnace replacements, and sky-high gas prices. But, Mindy isn’t a quitter! Even with some big emergency expenses, she and Carl have managed to stay within budget for most of their costly categories in spite of life's fun financial curveballs. 




Carl and Mindy discuss their January “frugal experiment” including hotels and air fryers, how “dry January” became “moist January”, and why this financial powerhouse has opted out of the traditional emergency fund. If you’re starting this year with a few budget busters like Carl and Mindy, don’t let it keep you from hitting your overall 2022 spending goals. Track it, stick with it, and shoot for FI!




In This Episode We Cover

How expense tracking inadvertently stops you from overspending 

Using money in the most efficient way possible so you can increase your “thoughtful spending” 

Budgeting wins (and challenges) that Mindy and Carl faced this January 

Preparing from unexpected budget busters and whether or not an emergency fund is necessary 

How to allocate large bills throughout the year so you don’t go over budget 

Splurging on things you truly enjoy while keeping everyday costs as simplistic as possible

And So Much More!]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[Emergency funds, frugal experiments, free photons, and “thoughtful spending” were just a few things that came to light during Carl and Mindy Jensen’s January 2022 budget recap. If you didn’t know already, Mindy has been publicly tracking her expenses and budgeting for BiggerPockets Money listeners (and the world) to see. But of course, as soon as Mindy shared her public budget, things started to go awry.




Nothing says “let’s start the month off right” like car repairs, furnace replacements, and sky-high gas prices. But, Mindy isn’t a quitter! Even with some big emergency expenses, she and Carl have managed to stay within budget for most of their costly categories in spite of life's fun financial curveballs. 




Carl and Mindy discuss their January “frugal experiment” including hotels and air fryers, how “dry January” became “moist January”, and why this financial powerhouse has opted out of the traditional emergency fund. If you’re starting this year with a few budget busters like]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>275: The Most Common (and Rarely Discussed) Money Mishaps w/ David Pere</title>
	<link>https://biggerpocketsmoney.com/podcast/275-the-most-common-and-rarely-discussed-money-mishaps-w-david-pere/</link>
	<pubDate>Mon, 14 Feb 2022 07:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">gid://art19-episode-locator/V0/S9cBwlXSakRewYywb2OdXd7jo0aNYiLbZok9pqdoy8w</guid>
	<description><![CDATA[Lifestyle creep, budget hesitancy, and cash scarcity are problems you’d likely hear from someone just getting into the realm of financial independence/literacy. But, funnily enough, these wealth woes aren’t coming from newbies—they’re coming from two asset-stacking veterans, Mindy Jensen and David Pere from The Military Millionaire Podcast.




While on the outside David and Mindy may look like squeaky clean financial figures, they’ve realized recently that they have to tighten up their systems to maximize wealth. Mindy has seen a slow and steady lifestyle creep, and although her income can support her, she still wants to have a strong sense of strategy when it comes to budgeting and expense tracking.




David has tried time and time again to budget, but it’s never really gone to plan. He also is feeling a bit stressed at times due to his “cash poor, asset rich” lifestyle that has allowed him to build so much wealth. Our two hosts serve as financial therapists for one another other in this episode as they dive deep into how each other can re-strategize their financial situations. Even the gurus don’t always get it right!




In This Episode We Cover

How to turn budget hesitancy into expense-tracking mastery 

Stocking up your emergency reserve so you (and your business) can survive life’s hiccups

Entrepreneur income and why you should go lean on your business spending, without compromising quality

Lifestyle/income creep and how to fight it so you can save and invest more 

Why everyone (even our money gurus) make mistakes from time to time

And So Much More!]]></description>
	<itunes:subtitle><![CDATA[Lifestyle creep, budget hesitancy, and cash scarcity are problems you’d likely hear from someone just getting into the realm of financial independence/literacy. But, funnily enough, these wealth woes aren’t coming from newbies—they’re coming from two ass]]></itunes:subtitle>
	<content:encoded><![CDATA[Lifestyle creep, budget hesitancy, and cash scarcity are problems you’d likely hear from someone just getting into the realm of financial independence/literacy. But, funnily enough, these wealth woes aren’t coming from newbies—they’re coming from two asset-stacking veterans, Mindy Jensen and David Pere from The Military Millionaire Podcast.




While on the outside David and Mindy may look like squeaky clean financial figures, they’ve realized recently that they have to tighten up their systems to maximize wealth. Mindy has seen a slow and steady lifestyle creep, and although her income can support her, she still wants to have a strong sense of strategy when it comes to budgeting and expense tracking.




David has tried time and time again to budget, but it’s never really gone to plan. He also is feeling a bit stressed at times due to his “cash poor, asset rich” lifestyle that has allowed him to build so much wealth. Our two hosts serve as financial therapists for one another other in this episode as they dive deep into how each other can re-strategize their financial situations. Even the gurus don’t always get it right!




In This Episode We Cover

How to turn budget hesitancy into expense-tracking mastery 

Stocking up your emergency reserve so you (and your business) can survive life’s hiccups

Entrepreneur income and why you should go lean on your business spending, without compromising quality

Lifestyle/income creep and how to fight it so you can save and invest more 

Why everyone (even our money gurus) make mistakes from time to time

And So Much More!]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC2432906293.mp3" length="56296413" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[Lifestyle creep, budget hesitancy, and cash scarcity are problems you’d likely hear from someone just getting into the realm of financial independence/literacy. But, funnily enough, these wealth woes aren’t coming from newbies—they’re coming from two asset-stacking veterans, Mindy Jensen and David Pere from The Military Millionaire Podcast.




While on the outside David and Mindy may look like squeaky clean financial figures, they’ve realized recently that they have to tighten up their systems to maximize wealth. Mindy has seen a slow and steady lifestyle creep, and although her income can support her, she still wants to have a strong sense of strategy when it comes to budgeting and expense tracking.




David has tried time and time again to budget, but it’s never really gone to plan. He also is feeling a bit stressed at times due to his “cash poor, asset rich” lifestyle that has allowed him to build so much wealth. Our two hosts serve as financial therapists for one another other in this episode as they dive deep into how each other can re-strategize their financial situations. Even the gurus don’t always get it right!




In This Episode We Cover

How to turn budget hesitancy into expense-tracking mastery 

Stocking up your emergency reserve so you (and your business) can survive life’s hiccups

Entrepreneur income and why you should go lean on your business spending, without compromising quality

Lifestyle/income creep and how to fight it so you can save and invest more 

Why everyone (even our money gurus) make mistakes from time to time

And So Much More!]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[Lifestyle creep, budget hesitancy, and cash scarcity are problems you’d likely hear from someone just getting into the realm of financial independence/literacy. But, funnily enough, these wealth woes aren’t coming from newbies—they’re coming from two asset-stacking veterans, Mindy Jensen and David Pere from The Military Millionaire Podcast.




While on the outside David and Mindy may look like squeaky clean financial figures, they’ve realized recently that they have to tighten up their systems to maximize wealth. Mindy has seen a slow and steady lifestyle creep, and although her income can support her, she still wants to have a strong sense of strategy when it comes to budgeting and expense tracking.




David has tried time and time again to budget, but it’s never really gone to plan. He also is feeling a bit stressed at times due to his “cash poor, asset rich” lifestyle that has allowed him to build so much wealth. Our two hosts serve as financial therapists for one another other i]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>274: Finance Friday: What’s The Best Way to Buy Rentals—Partnerships or Solo?</title>
	<link>https://biggerpocketsmoney.com/podcast/274-finance-friday-whats-the-best-way-to-buy-rentals-partnerships-or-solo/</link>
	<pubDate>Fri, 11 Feb 2022 07:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">gid://art19-episode-locator/V0/2n2e0qTSmQiqypm13lcEDiwVA7iKBb7qeCwv9eltoTE</guid>
	<description><![CDATA[Rental properties can be a phenomenal second source of income for the majority of us who work at regular jobs. One or two rental property purchases every year or so can slowly, but surely, build a strong foundation for financial independence, sometimes within only a few years. Today’s guest Connor has taken this approach to wealth building and now sits on six rental units, splitting some of the profits with his partners.




Connor runs a lot of the operation for these rental properties. He has a background in construction management, making him an integral piece of any future BRRRR, flip, or rehab project he and his partners decide to take on. But, could these real estate partnerships be slowing down his personal wealth growth? And if so, how does he mitigate the risk of being an independent investor in a cash-intensive business?




Aside from his real estate portfolio, Connor also wants to simplify his personal portfolio, plan for future baby expenses, maximize his retirement, and get a better handle on his financial situation in total. Scott and Mindy leave Connor with some clear action items that may help him achieve financial freedom in his five to seven-year time horizon! 




In This Episode We Cover

Real estate partnerships and establishing the value that you bring to them

Generating more income (and reducing expenses) through live in flips and house hacking

Land contracts and seller financing on rental properties that allow you to scale faster

Student loan repayment, deferral, and when you should plan on starting up your payments again

Shopping for a baby as frugally as you can so you can invest for their future 

And So Much More!]]></description>
	<itunes:subtitle><![CDATA[Rental properties can be a phenomenal second source of income for the majority of us who work at regular jobs. One or two rental property purchases every year or so can slowly, but surely, build a strong foundation for financial independence, sometimes w]]></itunes:subtitle>
	<content:encoded><![CDATA[Rental properties can be a phenomenal second source of income for the majority of us who work at regular jobs. One or two rental property purchases every year or so can slowly, but surely, build a strong foundation for financial independence, sometimes within only a few years. Today’s guest Connor has taken this approach to wealth building and now sits on six rental units, splitting some of the profits with his partners.




Connor runs a lot of the operation for these rental properties. He has a background in construction management, making him an integral piece of any future BRRRR, flip, or rehab project he and his partners decide to take on. But, could these real estate partnerships be slowing down his personal wealth growth? And if so, how does he mitigate the risk of being an independent investor in a cash-intensive business?




Aside from his real estate portfolio, Connor also wants to simplify his personal portfolio, plan for future baby expenses, maximize his retirement, and get a better handle on his financial situation in total. Scott and Mindy leave Connor with some clear action items that may help him achieve financial freedom in his five to seven-year time horizon! 




In This Episode We Cover

Real estate partnerships and establishing the value that you bring to them

Generating more income (and reducing expenses) through live in flips and house hacking

Land contracts and seller financing on rental properties that allow you to scale faster

Student loan repayment, deferral, and when you should plan on starting up your payments again

Shopping for a baby as frugally as you can so you can invest for their future 

And So Much More!]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC8109533798.mp3" length="80252475" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[Rental properties can be a phenomenal second source of income for the majority of us who work at regular jobs. One or two rental property purchases every year or so can slowly, but surely, build a strong foundation for financial independence, sometimes within only a few years. Today’s guest Connor has taken this approach to wealth building and now sits on six rental units, splitting some of the profits with his partners.




Connor runs a lot of the operation for these rental properties. He has a background in construction management, making him an integral piece of any future BRRRR, flip, or rehab project he and his partners decide to take on. But, could these real estate partnerships be slowing down his personal wealth growth? And if so, how does he mitigate the risk of being an independent investor in a cash-intensive business?




Aside from his real estate portfolio, Connor also wants to simplify his personal portfolio, plan for future baby expenses, maximize his retirement, and get a better handle on his financial situation in total. Scott and Mindy leave Connor with some clear action items that may help him achieve financial freedom in his five to seven-year time horizon! 




In This Episode We Cover

Real estate partnerships and establishing the value that you bring to them

Generating more income (and reducing expenses) through live in flips and house hacking

Land contracts and seller financing on rental properties that allow you to scale faster

Student loan repayment, deferral, and when you should plan on starting up your payments again

Shopping for a baby as frugally as you can so you can invest for their future 

And So Much More!]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[Rental properties can be a phenomenal second source of income for the majority of us who work at regular jobs. One or two rental property purchases every year or so can slowly, but surely, build a strong foundation for financial independence, sometimes within only a few years. Today’s guest Connor has taken this approach to wealth building and now sits on six rental units, splitting some of the profits with his partners.




Connor runs a lot of the operation for these rental properties. He has a background in construction management, making him an integral piece of any future BRRRR, flip, or rehab project he and his partners decide to take on. But, could these real estate partnerships be slowing down his personal wealth growth? And if so, how does he mitigate the risk of being an independent investor in a cash-intensive business?




Aside from his real estate portfolio, Connor also wants to simplify his personal portfolio, plan for future baby expenses, maximize his retirement, and ]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>273: Breaking Down Barriers: From Homelessness to Renowned Surgeon w/Dr. David L. Rhoiney</title>
	<link>https://biggerpocketsmoney.com/podcast/273-breaking-down-barriers-from-homelessness-to-renowned-surgeon-w-dr-david-l-rhoiney/</link>
	<pubDate>Mon, 07 Feb 2022 07:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">gid://art19-episode-locator/V0/Sc2L4VkoN1zii6YipuOWu--ifsyUBYCtqiOOjjbHT4c</guid>
	<description><![CDATA[The poverty cycle is a hard one to break out of. For some people, it is near impossible to climb yourself out of the hole that society, family, or unfortunate circumstances have placed you in. But sometimes, through sheer willpower alone, those who break through can crush this cycle and bring their families up with them. Someone who’s done this (and much more), is Dr. David L. Rhoiney from surgiFI. 




Dr. David is a renowned “robot surgeon”, operating on patients using the finest precision that modern technology has to offer. He holds two degrees, has two homes, and invests heavily. You’re probably assuming he was raised in a family that taught him the worth of hard work, education, and investing early. You wouldn’t be more wrong.




Dr. David’s childhood consisted of a combination of living in cars, homeless shelters, sleeping on friend’s couches, and surviving completely on the edge. After being accepted into the US Naval Academy, he knew that he had to do everything he could to never return to that life. He has been told “no” thousands of times, that he wasn’t good enough, didn’t look the part, or simply that he wasn’t worth it. He proved every doubter wrong and has had the last laugh as he and his family now are on the path to a phenomenal financial future. 




In This Episode We Cover

Growing up and poverty and using it as fuel to strive for something greater 

Why you should always choose the “hard path” and pursue something others would fear

Medical student loans and going debt-free through intelligent financial decisions 

House hacking and using rental properties to propel your net worth higher 

Affordable housing and what real estate investors can do to help those in need

Giving yourself no other choice but to succeed, even when all bets are against you 

And So Much More!]]></description>
	<itunes:subtitle><![CDATA[The poverty cycle is a hard one to break out of. For some people, it is near impossible to climb yourself out of the hole that society, family, or unfortunate circumstances have placed you in. But sometimes, through sheer willpower alone, those who break]]></itunes:subtitle>
	<content:encoded><![CDATA[The poverty cycle is a hard one to break out of. For some people, it is near impossible to climb yourself out of the hole that society, family, or unfortunate circumstances have placed you in. But sometimes, through sheer willpower alone, those who break through can crush this cycle and bring their families up with them. Someone who’s done this (and much more), is Dr. David L. Rhoiney from surgiFI. 




Dr. David is a renowned “robot surgeon”, operating on patients using the finest precision that modern technology has to offer. He holds two degrees, has two homes, and invests heavily. You’re probably assuming he was raised in a family that taught him the worth of hard work, education, and investing early. You wouldn’t be more wrong.




Dr. David’s childhood consisted of a combination of living in cars, homeless shelters, sleeping on friend’s couches, and surviving completely on the edge. After being accepted into the US Naval Academy, he knew that he had to do everything he could to never return to that life. He has been told “no” thousands of times, that he wasn’t good enough, didn’t look the part, or simply that he wasn’t worth it. He proved every doubter wrong and has had the last laugh as he and his family now are on the path to a phenomenal financial future. 




In This Episode We Cover

Growing up and poverty and using it as fuel to strive for something greater 

Why you should always choose the “hard path” and pursue something others would fear

Medical student loans and going debt-free through intelligent financial decisions 

House hacking and using rental properties to propel your net worth higher 

Affordable housing and what real estate investors can do to help those in need

Giving yourself no other choice but to succeed, even when all bets are against you 

And So Much More!]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC1308951608.mp3" length="82468912" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[The poverty cycle is a hard one to break out of. For some people, it is near impossible to climb yourself out of the hole that society, family, or unfortunate circumstances have placed you in. But sometimes, through sheer willpower alone, those who break through can crush this cycle and bring their families up with them. Someone who’s done this (and much more), is Dr. David L. Rhoiney from surgiFI. 




Dr. David is a renowned “robot surgeon”, operating on patients using the finest precision that modern technology has to offer. He holds two degrees, has two homes, and invests heavily. You’re probably assuming he was raised in a family that taught him the worth of hard work, education, and investing early. You wouldn’t be more wrong.




Dr. David’s childhood consisted of a combination of living in cars, homeless shelters, sleeping on friend’s couches, and surviving completely on the edge. After being accepted into the US Naval Academy, he knew that he had to do everything he could to never return to that life. He has been told “no” thousands of times, that he wasn’t good enough, didn’t look the part, or simply that he wasn’t worth it. He proved every doubter wrong and has had the last laugh as he and his family now are on the path to a phenomenal financial future. 




In This Episode We Cover

Growing up and poverty and using it as fuel to strive for something greater 

Why you should always choose the “hard path” and pursue something others would fear

Medical student loans and going debt-free through intelligent financial decisions 

House hacking and using rental properties to propel your net worth higher 

Affordable housing and what real estate investors can do to help those in need

Giving yourself no other choice but to succeed, even when all bets are against you 

And So Much More!]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[The poverty cycle is a hard one to break out of. For some people, it is near impossible to climb yourself out of the hole that society, family, or unfortunate circumstances have placed you in. But sometimes, through sheer willpower alone, those who break through can crush this cycle and bring their families up with them. Someone who’s done this (and much more), is Dr. David L. Rhoiney from surgiFI. 




Dr. David is a renowned “robot surgeon”, operating on patients using the finest precision that modern technology has to offer. He holds two degrees, has two homes, and invests heavily. You’re probably assuming he was raised in a family that taught him the worth of hard work, education, and investing early. You wouldn’t be more wrong.




Dr. David’s childhood consisted of a combination of living in cars, homeless shelters, sleeping on friend’s couches, and surviving completely on the edge. After being accepted into the US Naval Academy, he knew that he had to do everything he could to ]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>272: Finance Friday: Should You Pay Off Your Mortgage Early or Invest?</title>
	<link>https://biggerpocketsmoney.com/podcast/272-finance-friday-should-you-pay-off-your-mortgage-early-or-invest/</link>
	<pubDate>Fri, 04 Feb 2022 07:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">gid://art19-episode-locator/V0/F7jwdwZeVKJ2V2pFI4gN0kQ9-Id0if4fWln0EiPYvWk</guid>
	<description><![CDATA[Ahh, the age-old question: pay off your mortgage early or invest? It’s no wonder so many members of the financial independence community have strong feelings about one or the other. With a paid-off mortgage, you’re less in debt, with more free cash to invest or spend on things you love doing. But, there’s another side to that cash flow coin. If you’re paying off your mortgage early, you’ll have less money to invest, leaving you with less compound interest. 




If you’ve been asking for someone to answer this question for you, be sure to thank today’s guest, Javier. He’s been doing a phenomenal job paying down his mortgage as quickly as he can, especially at such a young age. Javier has a respectable net worth and works not only at his W2 but also as a real estate agent on the side. Javier is struggling to find where to best put his extra $1,300/month once he pays off his primary residence.




And while this is a BiggerPockets Podcast episode, Scott and Mindy do not immediately vouch for real estate investing. Instead, they take a look at his overall risk tolerance, personal finance situation, and work backwards from his goals to find what he really wants out of early retirement, instead of just grasping for cash. 




In This Episode We Cover

Setting up your “bare-bones emergency fund” so you can invest with confidence 

Whether or not you should pay off your mortgage early 

When the right time to leave your W2 job is and pursue your side income streams

How to pay for healthcare when you’re self-employed or without work subsidies 

How much to allocate towards taxes per month as a self-employed individual 

When real estate investing does and does not make sense for your lifestyle

And So Much More!]]></description>
	<itunes:subtitle><![CDATA[Ahh, the age-old question: pay off your mortgage early or invest? It’s no wonder so many members of the financial independence community have strong feelings about one or the other. With a paid-off mortgage, you’re less in debt, with more free cash to in]]></itunes:subtitle>
	<content:encoded><![CDATA[Ahh, the age-old question: pay off your mortgage early or invest? It’s no wonder so many members of the financial independence community have strong feelings about one or the other. With a paid-off mortgage, you’re less in debt, with more free cash to invest or spend on things you love doing. But, there’s another side to that cash flow coin. If you’re paying off your mortgage early, you’ll have less money to invest, leaving you with less compound interest. 




If you’ve been asking for someone to answer this question for you, be sure to thank today’s guest, Javier. He’s been doing a phenomenal job paying down his mortgage as quickly as he can, especially at such a young age. Javier has a respectable net worth and works not only at his W2 but also as a real estate agent on the side. Javier is struggling to find where to best put his extra $1,300/month once he pays off his primary residence.




And while this is a BiggerPockets Podcast episode, Scott and Mindy do not immediately vouch for real estate investing. Instead, they take a look at his overall risk tolerance, personal finance situation, and work backwards from his goals to find what he really wants out of early retirement, instead of just grasping for cash. 




In This Episode We Cover

Setting up your “bare-bones emergency fund” so you can invest with confidence 

Whether or not you should pay off your mortgage early 

When the right time to leave your W2 job is and pursue your side income streams

How to pay for healthcare when you’re self-employed or without work subsidies 

How much to allocate towards taxes per month as a self-employed individual 

When real estate investing does and does not make sense for your lifestyle

And So Much More!]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC9360356639.mp3" length="69511651" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[Ahh, the age-old question: pay off your mortgage early or invest? It’s no wonder so many members of the financial independence community have strong feelings about one or the other. With a paid-off mortgage, you’re less in debt, with more free cash to invest or spend on things you love doing. But, there’s another side to that cash flow coin. If you’re paying off your mortgage early, you’ll have less money to invest, leaving you with less compound interest. 




If you’ve been asking for someone to answer this question for you, be sure to thank today’s guest, Javier. He’s been doing a phenomenal job paying down his mortgage as quickly as he can, especially at such a young age. Javier has a respectable net worth and works not only at his W2 but also as a real estate agent on the side. Javier is struggling to find where to best put his extra $1,300/month once he pays off his primary residence.




And while this is a BiggerPockets Podcast episode, Scott and Mindy do not immediately vouch for real estate investing. Instead, they take a look at his overall risk tolerance, personal finance situation, and work backwards from his goals to find what he really wants out of early retirement, instead of just grasping for cash. 




In This Episode We Cover

Setting up your “bare-bones emergency fund” so you can invest with confidence 

Whether or not you should pay off your mortgage early 

When the right time to leave your W2 job is and pursue your side income streams

How to pay for healthcare when you’re self-employed or without work subsidies 

How much to allocate towards taxes per month as a self-employed individual 

When real estate investing does and does not make sense for your lifestyle

And So Much More!]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[Ahh, the age-old question: pay off your mortgage early or invest? It’s no wonder so many members of the financial independence community have strong feelings about one or the other. With a paid-off mortgage, you’re less in debt, with more free cash to invest or spend on things you love doing. But, there’s another side to that cash flow coin. If you’re paying off your mortgage early, you’ll have less money to invest, leaving you with less compound interest. 




If you’ve been asking for someone to answer this question for you, be sure to thank today’s guest, Javier. He’s been doing a phenomenal job paying down his mortgage as quickly as he can, especially at such a young age. Javier has a respectable net worth and works not only at his W2 but also as a real estate agent on the side. Javier is struggling to find where to best put his extra $1,300/month once he pays off his primary residence.




And while this is a BiggerPockets Podcast episode, Scott and Mindy do not immediately vouch]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>271: The 4 Rules of Managing Your Money w/Jesse Mecham from YNAB</title>
	<link>https://biggerpocketsmoney.com/podcast/271-the-4-rules-of-managing-your-money-w-jesse-mecham-from-ynab/</link>
	<pubDate>Mon, 31 Jan 2022 07:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">gid://art19-episode-locator/V0/dm52b-07zhXW9Oi65qjY415BPV6kgDmyydiOKFvLxb0</guid>
	<description><![CDATA[You Need a Budget is the expense tracker/budgeter that requires no introduction…but we’ll give it one anyways! In 2004, Jesse Mecham launched this ground-breaking software, allowing money masters and novices alike to easily track their money and plan for a financially stress-free future. Jesse may have been the perfect person to build a product like this—he started tracking his expenses at age sixteen for fun!




As Jesse grew older, he continued to track his expenses regularly, allowing him to have a tight hold on his money and fight back the urge to go into debt. When his wife decided to take a backseat on working and have children, Jesse started to work harder at converting YNAB from a simple spreadsheet to a full-blown business. He was so conservative that three years into the business when he was making twice as much as his accountant salary, he continued to reinvest almost every cent of profit so he could have a strong financial foundation behind him.




Now, some eighteen years after launching, Jesse still holds the principles that he started YNAB with. He lives a simple lifestyle, enjoying “parlor time” with his seven children, keeping a strong emergency fund, and investing in a very, very conservative manner. Take it from someone like Jesse who has “made it”—budgeting can change your life. 




In This Episode We Cover

Why budgeting and expense tracking are important at an early age 

How simple expense tracking allows you to save and invest more while starving off debt

The four money rules that will change the way you think about your finances 

Where to keep the money that you’re saving for emergencies, down payments, and more

How to know it’s the right time to quit your job and pursue your passions

Running your real estate business through YNAB’s intuitive budgeting 

Why Jesse refuses to invest in high-risk assets while building his business

And So Much More!]]></description>
	<itunes:subtitle><![CDATA[You Need a Budget is the expense tracker/budgeter that requires no introduction…but we’ll give it one anyways! In 2004, Jesse Mecham launched this ground-breaking software, allowing money masters and novices alike to easily track their money and plan for]]></itunes:subtitle>
	<content:encoded><![CDATA[You Need a Budget is the expense tracker/budgeter that requires no introduction…but we’ll give it one anyways! In 2004, Jesse Mecham launched this ground-breaking software, allowing money masters and novices alike to easily track their money and plan for a financially stress-free future. Jesse may have been the perfect person to build a product like this—he started tracking his expenses at age sixteen for fun!




As Jesse grew older, he continued to track his expenses regularly, allowing him to have a tight hold on his money and fight back the urge to go into debt. When his wife decided to take a backseat on working and have children, Jesse started to work harder at converting YNAB from a simple spreadsheet to a full-blown business. He was so conservative that three years into the business when he was making twice as much as his accountant salary, he continued to reinvest almost every cent of profit so he could have a strong financial foundation behind him.




Now, some eighteen years after launching, Jesse still holds the principles that he started YNAB with. He lives a simple lifestyle, enjoying “parlor time” with his seven children, keeping a strong emergency fund, and investing in a very, very conservative manner. Take it from someone like Jesse who has “made it”—budgeting can change your life. 




In This Episode We Cover

Why budgeting and expense tracking are important at an early age 

How simple expense tracking allows you to save and invest more while starving off debt

The four money rules that will change the way you think about your finances 

Where to keep the money that you’re saving for emergencies, down payments, and more

How to know it’s the right time to quit your job and pursue your passions

Running your real estate business through YNAB’s intuitive budgeting 

Why Jesse refuses to invest in high-risk assets while building his business

And So Much More!]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC2703464732.mp3" length="62649160" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[You Need a Budget is the expense tracker/budgeter that requires no introduction…but we’ll give it one anyways! In 2004, Jesse Mecham launched this ground-breaking software, allowing money masters and novices alike to easily track their money and plan for a financially stress-free future. Jesse may have been the perfect person to build a product like this—he started tracking his expenses at age sixteen for fun!




As Jesse grew older, he continued to track his expenses regularly, allowing him to have a tight hold on his money and fight back the urge to go into debt. When his wife decided to take a backseat on working and have children, Jesse started to work harder at converting YNAB from a simple spreadsheet to a full-blown business. He was so conservative that three years into the business when he was making twice as much as his accountant salary, he continued to reinvest almost every cent of profit so he could have a strong financial foundation behind him.




Now, some eighteen years after launching, Jesse still holds the principles that he started YNAB with. He lives a simple lifestyle, enjoying “parlor time” with his seven children, keeping a strong emergency fund, and investing in a very, very conservative manner. Take it from someone like Jesse who has “made it”—budgeting can change your life. 




In This Episode We Cover

Why budgeting and expense tracking are important at an early age 

How simple expense tracking allows you to save and invest more while starving off debt

The four money rules that will change the way you think about your finances 

Where to keep the money that you’re saving for emergencies, down payments, and more

How to know it’s the right time to quit your job and pursue your passions

Running your real estate business through YNAB’s intuitive budgeting 

Why Jesse refuses to invest in high-risk assets while building his business

And So Much More!]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[You Need a Budget is the expense tracker/budgeter that requires no introduction…but we’ll give it one anyways! In 2004, Jesse Mecham launched this ground-breaking software, allowing money masters and novices alike to easily track their money and plan for a financially stress-free future. Jesse may have been the perfect person to build a product like this—he started tracking his expenses at age sixteen for fun!




As Jesse grew older, he continued to track his expenses regularly, allowing him to have a tight hold on his money and fight back the urge to go into debt. When his wife decided to take a backseat on working and have children, Jesse started to work harder at converting YNAB from a simple spreadsheet to a full-blown business. He was so conservative that three years into the business when he was making twice as much as his accountant salary, he continued to reinvest almost every cent of profit so he could have a strong financial foundation behind him.




Now, some eighteen yea]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>270: Finance Friday: How to Achieve “Financial Flexibility” on a $65K/Year Salary</title>
	<link>https://biggerpocketsmoney.com/podcast/270-finance-friday-how-to-achieve-financial-flexibility-on-a-65k-year-salary/</link>
	<pubDate>Fri, 28 Jan 2022 07:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">gid://art19-episode-locator/V0/K0ojt_recwfeuFwtiTYz_8LM9MSdbSO2AuHMy4fsILc</guid>
	<description><![CDATA[Financial flexibility is one of the hidden stages along the path to financial independence. When you hit financial flexibility, you have far more choices than you did before. You can invest more, spend more, save more, and work less if you choose to do so. But, this type of lifestyle can only be achieved by being mindful and proactive about where your money is going, as today’s guest Kevin, knows very well.




Kevin’s story was posted on the BiggerPockets Money Facebook Group, where he relived the horror of his credit card being declined at his girlfriend’s birthday dinner. This struck Kevin, since he made a decent salary and was relatively responsible with his money. He contributed to retirement accounts and kept a lean emergency fund, so where was all his money going?




In today’s discovery, Scott and Mindy walk Kevin through which parts of his budget need a tune-up, and whether or not aggressive loan paydown is worth it for optimal financial flexibility. So where can you tweak your budget to maximize flexibility while minimizing credit-card-induced stress? 




In This Episode We Cover

How to pay off bad debt fast and work your way to debt-free status 

Achieving “financial flexibility” before financial independence and the steps to get there 

Tracking your expenses and budgeting for spending (every single month!)

How to cut food and eating out spending so your stomach and wallet stay happy 

What to do with extra income once you’ve paid off all your debt

The importance of a strong emergency fund and always having a safety reserve

And So Much More!]]></description>
	<itunes:subtitle><![CDATA[Financial flexibility is one of the hidden stages along the path to financial independence. When you hit financial flexibility, you have far more choices than you did before. You can invest more, spend more, save more, and work less if you choose to do s]]></itunes:subtitle>
	<content:encoded><![CDATA[Financial flexibility is one of the hidden stages along the path to financial independence. When you hit financial flexibility, you have far more choices than you did before. You can invest more, spend more, save more, and work less if you choose to do so. But, this type of lifestyle can only be achieved by being mindful and proactive about where your money is going, as today’s guest Kevin, knows very well.




Kevin’s story was posted on the BiggerPockets Money Facebook Group, where he relived the horror of his credit card being declined at his girlfriend’s birthday dinner. This struck Kevin, since he made a decent salary and was relatively responsible with his money. He contributed to retirement accounts and kept a lean emergency fund, so where was all his money going?




In today’s discovery, Scott and Mindy walk Kevin through which parts of his budget need a tune-up, and whether or not aggressive loan paydown is worth it for optimal financial flexibility. So where can you tweak your budget to maximize flexibility while minimizing credit-card-induced stress? 




In This Episode We Cover

How to pay off bad debt fast and work your way to debt-free status 

Achieving “financial flexibility” before financial independence and the steps to get there 

Tracking your expenses and budgeting for spending (every single month!)

How to cut food and eating out spending so your stomach and wallet stay happy 

What to do with extra income once you’ve paid off all your debt

The importance of a strong emergency fund and always having a safety reserve

And So Much More!]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC5114334879.mp3" length="79231416" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[Financial flexibility is one of the hidden stages along the path to financial independence. When you hit financial flexibility, you have far more choices than you did before. You can invest more, spend more, save more, and work less if you choose to do so. But, this type of lifestyle can only be achieved by being mindful and proactive about where your money is going, as today’s guest Kevin, knows very well.




Kevin’s story was posted on the BiggerPockets Money Facebook Group, where he relived the horror of his credit card being declined at his girlfriend’s birthday dinner. This struck Kevin, since he made a decent salary and was relatively responsible with his money. He contributed to retirement accounts and kept a lean emergency fund, so where was all his money going?




In today’s discovery, Scott and Mindy walk Kevin through which parts of his budget need a tune-up, and whether or not aggressive loan paydown is worth it for optimal financial flexibility. So where can you tweak your budget to maximize flexibility while minimizing credit-card-induced stress? 




In This Episode We Cover

How to pay off bad debt fast and work your way to debt-free status 

Achieving “financial flexibility” before financial independence and the steps to get there 

Tracking your expenses and budgeting for spending (every single month!)

How to cut food and eating out spending so your stomach and wallet stay happy 

What to do with extra income once you’ve paid off all your debt

The importance of a strong emergency fund and always having a safety reserve

And So Much More!]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[Financial flexibility is one of the hidden stages along the path to financial independence. When you hit financial flexibility, you have far more choices than you did before. You can invest more, spend more, save more, and work less if you choose to do so. But, this type of lifestyle can only be achieved by being mindful and proactive about where your money is going, as today’s guest Kevin, knows very well.




Kevin’s story was posted on the BiggerPockets Money Facebook Group, where he relived the horror of his credit card being declined at his girlfriend’s birthday dinner. This struck Kevin, since he made a decent salary and was relatively responsible with his money. He contributed to retirement accounts and kept a lean emergency fund, so where was all his money going?




In today’s discovery, Scott and Mindy walk Kevin through which parts of his budget need a tune-up, and whether or not aggressive loan paydown is worth it for optimal financial flexibility. So where can you tweak y]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>269: From Filing Bankruptcy to $1.4 Million in Income Producing Assets</title>
	<link>https://biggerpocketsmoney.com/podcast/269-from-filing-bankruptcy-to-1-4-million-in-income-producing-assets/</link>
	<pubDate>Mon, 24 Jan 2022 07:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">gid://art19-episode-locator/V0/LzuyEJPtMZDdSVCdsnVsuXeNvOVmbY9L5IdGc1fhLVU</guid>
	<description><![CDATA[Today’s guest, Jennifer Grimson, is a prime example that every problem has a solution.  Jennifer has always been a hard worker so she had no problem working through college as she aspired to be a foreign service officer, but her life took a turn when she fell in love and married her (now) ex-husband. Her dynamic with money completely changed as he spent money frivolously while she spent conservatively. When things ended poorly 8 years later he sued her 25 times, not including when he sued her mother and brother, and left her with $500,000 worth of attorney fees. 

	

At this point, she was left with nothing and had two children to raise on her own. While most would be completely devastated, Jennifer focused on finding a way out. Jennifer had never been scared of a little hard work so she found a job with a steady paycheck and filed for bankruptcy to help with her attorney fees. She continued to file for bankruptcy and start  from scratch until she could build herself back up financially. She was then able to rebuild her credit through various methods and gain financial autonomy. 




Her overall goal was to experience financial peace— but she didn’t stop there. She started building small pockets of wealth and always had at least three streams of income at all times. Once Jennifer found out about short-term rentals, she saw an opportunity and started buying houses to convert into Airbnb properties and turn a profit. After 4 years she created an astounding $1.4 million in income-producing assets! 




In This Episode We Cover

How to properly intertwine money and romantic relationships (and how to protect your personal wealth) 

Filing for bankruptcy and how it can be your saving grace from future lawsuits

Borrowing against a 401k and investing with retirement funds 

Rebuilding your credit from scratch (and even bankruptcy!) 

Short term rentals, passive investments, buying land and other ways to build long-lasting wealth 

Cost Segregation and how to greatly reduce your tax burden 

And So Much More! ]]></description>
	<itunes:subtitle><![CDATA[Today’s guest, Jennifer Grimson, is a prime example that every problem has a solution.  Jennifer has always been a hard worker so she had no problem working through college as she aspired to be a foreign service officer, but her life took a turn when she]]></itunes:subtitle>
	<content:encoded><![CDATA[Today’s guest, Jennifer Grimson, is a prime example that every problem has a solution.  Jennifer has always been a hard worker so she had no problem working through college as she aspired to be a foreign service officer, but her life took a turn when she fell in love and married her (now) ex-husband. Her dynamic with money completely changed as he spent money frivolously while she spent conservatively. When things ended poorly 8 years later he sued her 25 times, not including when he sued her mother and brother, and left her with $500,000 worth of attorney fees. 

	

At this point, she was left with nothing and had two children to raise on her own. While most would be completely devastated, Jennifer focused on finding a way out. Jennifer had never been scared of a little hard work so she found a job with a steady paycheck and filed for bankruptcy to help with her attorney fees. She continued to file for bankruptcy and start  from scratch until she could build herself back up financially. She was then able to rebuild her credit through various methods and gain financial autonomy. 




Her overall goal was to experience financial peace— but she didn’t stop there. She started building small pockets of wealth and always had at least three streams of income at all times. Once Jennifer found out about short-term rentals, she saw an opportunity and started buying houses to convert into Airbnb properties and turn a profit. After 4 years she created an astounding $1.4 million in income-producing assets! 




In This Episode We Cover

How to properly intertwine money and romantic relationships (and how to protect your personal wealth) 

Filing for bankruptcy and how it can be your saving grace from future lawsuits

Borrowing against a 401k and investing with retirement funds 

Rebuilding your credit from scratch (and even bankruptcy!) 

Short term rentals, passive investments, buying land and other ways to build long-lasting wealth 

Cost Segregation and how to greatly reduce your tax burden 

And So Much More! ]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC8421362474.mp3" length="90380849" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[Today’s guest, Jennifer Grimson, is a prime example that every problem has a solution.  Jennifer has always been a hard worker so she had no problem working through college as she aspired to be a foreign service officer, but her life took a turn when she fell in love and married her (now) ex-husband. Her dynamic with money completely changed as he spent money frivolously while she spent conservatively. When things ended poorly 8 years later he sued her 25 times, not including when he sued her mother and brother, and left her with $500,000 worth of attorney fees. 

	

At this point, she was left with nothing and had two children to raise on her own. While most would be completely devastated, Jennifer focused on finding a way out. Jennifer had never been scared of a little hard work so she found a job with a steady paycheck and filed for bankruptcy to help with her attorney fees. She continued to file for bankruptcy and start  from scratch until she could build herself back up financially. She was then able to rebuild her credit through various methods and gain financial autonomy. 




Her overall goal was to experience financial peace— but she didn’t stop there. She started building small pockets of wealth and always had at least three streams of income at all times. Once Jennifer found out about short-term rentals, she saw an opportunity and started buying houses to convert into Airbnb properties and turn a profit. After 4 years she created an astounding $1.4 million in income-producing assets! 




In This Episode We Cover

How to properly intertwine money and romantic relationships (and how to protect your personal wealth) 

Filing for bankruptcy and how it can be your saving grace from future lawsuits

Borrowing against a 401k and investing with retirement funds 

Rebuilding your credit from scratch (and even bankruptcy!) 

Short term rentals, passive investments, buying land and other ways to build long-lasting wealth 

Cost Segregation and how to greatly reduce your tax burden 

And So Much More! ]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[Today’s guest, Jennifer Grimson, is a prime example that every problem has a solution.  Jennifer has always been a hard worker so she had no problem working through college as she aspired to be a foreign service officer, but her life took a turn when she fell in love and married her (now) ex-husband. Her dynamic with money completely changed as he spent money frivolously while she spent conservatively. When things ended poorly 8 years later he sued her 25 times, not including when he sued her mother and brother, and left her with $500,000 worth of attorney fees. 

	

At this point, she was left with nothing and had two children to raise on her own. While most would be completely devastated, Jennifer focused on finding a way out. Jennifer had never been scared of a little hard work so she found a job with a steady paycheck and filed for bankruptcy to help with her attorney fees. She continued to file for bankruptcy and start  from scratch until she could build herself back up financial]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>268: Finance Friday: Why You Should Focus on ‘Hitting Singles’ for Early Retirement</title>
	<link>https://biggerpocketsmoney.com/podcast/268-finance-friday-why-you-should-focus-on-hitting-singles-for-early-retirement/</link>
	<pubDate>Fri, 21 Jan 2022 07:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">gid://art19-episode-locator/V0/QfOq-DDvWU8rb1jvFYk8NQzd86nPkomIy1rg5clOQcU</guid>
	<description><![CDATA[Expats and rental portfolios go together like peanut butter and jelly. It’s no surprise that a fair amount of retired globetrotters owe their freedom to real estate investing. While many real estate investors are looking to retire themselves and their families in the US, today’s guest Paul has other plans.




Paul thoroughly enjoys his full-time job in Utah. He gets paid well, has access to some phenomenal benefits, and isn’t planning on quitting anytime soon. That being said, Paul has had the itch to live as an expatriate abroad, hopping from country to country, enjoying world travel. But, in order to do this, Paul has to create an income stream that can support him and his partner along their travels.




Of course, as a smart investor, Paul has already been building this extra income in the background. Since starting his rental property investing journey only a year and a half ago, Paul is already at five doors, with a sixth closing soon. He needs to be at ten doors to have enough rental income to cover his expenses in the US, but how much farther could that money go abroad? 




In This Episode We Cover

Why rental properties are perfect for those planning on retiring abroad

Keeping your expenses low as your income grows so you can retire early

When to transition from traditional retirement accounts to real estate investing 

Roth conversion ladders and turning pre-tax retirement accounts into post-tax savings 

Out-of-state investing and leveraging your high income to invest in low-cost areas

Using a HELOC (home equity line of credit) to fund real estate purchases 

And So Much More!]]></description>
	<itunes:subtitle><![CDATA[Expats and rental portfolios go together like peanut butter and jelly. It’s no surprise that a fair amount of retired globetrotters owe their freedom to real estate investing. While many real estate investors are looking to retire themselves and their fa]]></itunes:subtitle>
	<content:encoded><![CDATA[Expats and rental portfolios go together like peanut butter and jelly. It’s no surprise that a fair amount of retired globetrotters owe their freedom to real estate investing. While many real estate investors are looking to retire themselves and their families in the US, today’s guest Paul has other plans.




Paul thoroughly enjoys his full-time job in Utah. He gets paid well, has access to some phenomenal benefits, and isn’t planning on quitting anytime soon. That being said, Paul has had the itch to live as an expatriate abroad, hopping from country to country, enjoying world travel. But, in order to do this, Paul has to create an income stream that can support him and his partner along their travels.




Of course, as a smart investor, Paul has already been building this extra income in the background. Since starting his rental property investing journey only a year and a half ago, Paul is already at five doors, with a sixth closing soon. He needs to be at ten doors to have enough rental income to cover his expenses in the US, but how much farther could that money go abroad? 




In This Episode We Cover

Why rental properties are perfect for those planning on retiring abroad

Keeping your expenses low as your income grows so you can retire early

When to transition from traditional retirement accounts to real estate investing 

Roth conversion ladders and turning pre-tax retirement accounts into post-tax savings 

Out-of-state investing and leveraging your high income to invest in low-cost areas

Using a HELOC (home equity line of credit) to fund real estate purchases 

And So Much More!]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC7010840145.mp3" length="59224980" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[Expats and rental portfolios go together like peanut butter and jelly. It’s no surprise that a fair amount of retired globetrotters owe their freedom to real estate investing. While many real estate investors are looking to retire themselves and their families in the US, today’s guest Paul has other plans.




Paul thoroughly enjoys his full-time job in Utah. He gets paid well, has access to some phenomenal benefits, and isn’t planning on quitting anytime soon. That being said, Paul has had the itch to live as an expatriate abroad, hopping from country to country, enjoying world travel. But, in order to do this, Paul has to create an income stream that can support him and his partner along their travels.




Of course, as a smart investor, Paul has already been building this extra income in the background. Since starting his rental property investing journey only a year and a half ago, Paul is already at five doors, with a sixth closing soon. He needs to be at ten doors to have enough rental income to cover his expenses in the US, but how much farther could that money go abroad? 




In This Episode We Cover

Why rental properties are perfect for those planning on retiring abroad

Keeping your expenses low as your income grows so you can retire early

When to transition from traditional retirement accounts to real estate investing 

Roth conversion ladders and turning pre-tax retirement accounts into post-tax savings 

Out-of-state investing and leveraging your high income to invest in low-cost areas

Using a HELOC (home equity line of credit) to fund real estate purchases 

And So Much More!]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[Expats and rental portfolios go together like peanut butter and jelly. It’s no surprise that a fair amount of retired globetrotters owe their freedom to real estate investing. While many real estate investors are looking to retire themselves and their families in the US, today’s guest Paul has other plans.




Paul thoroughly enjoys his full-time job in Utah. He gets paid well, has access to some phenomenal benefits, and isn’t planning on quitting anytime soon. That being said, Paul has had the itch to live as an expatriate abroad, hopping from country to country, enjoying world travel. But, in order to do this, Paul has to create an income stream that can support him and his partner along their travels.




Of course, as a smart investor, Paul has already been building this extra income in the background. Since starting his rental property investing journey only a year and a half ago, Paul is already at five doors, with a sixth closing soon. He needs to be at ten doors to have enough]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>267: Student Loans Update: Repayment, Refinancing, and Potential Forgiveness w/Robert Farrington</title>
	<link>https://biggerpocketsmoney.com/podcast/267-student-loans-update-repayment-refinancing-and-potential-forgiveness-w-robert-farrington/</link>
	<pubDate>Mon, 17 Jan 2022 07:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">gid://art19-episode-locator/V0/b8AmNYt8sHGMwTDHtB25Zk2S2dghalqpSbkud0qZetE</guid>
	<description><![CDATA[Student loan forgiveness was a hot topic during the 2020 election cycle. With so many outstanding student loan payments, will the government step in to wipe out the debt? While many theorize about this, Robert Farrington takes the opposite angle, urging those who have student loans to prepare for repayment, rather than cancellation. This way, even if your student loans get forgiven, you’re put in a financially advantageous spot.




Robert runs The College Investor, a website dedicated to investing and personal finance for millennials. It comes as no surprise that the biggest thing on millennials’ minds are student loans, especially after two years of repayment moratoriums. So, how does someone strapped with student loans prepare for repayment, especially when so many variables are up in the air? Well, according to Robert, there are some simple steps you can take to make sure you’re paying on time and with as little stress as possible. 




Episode note: This episode was recorded prior to the new student loan pause, set to expire on May 1st, 2022. Mindy and Robert record a special intro to update listeners on the new dates set by the Biden Administration. All other topics discussed in the show, especially around repayment strategy, are still viable and accurate for those who have student loans.




In This Episode We Cover

The most recent student loan repayment moratorium update 

The difference between federal and private student loans and which are preferable 

Refinancing your student loans and why most people shouldn’t 

Student loan forgiveness and whether or not it will come to fruition this year

Steps you need to take NOW to ensure you don’t miss a payment or accrue extra interest 

Which repayment plans work best for your lifestyle and allow you the most financial flexibility 

And So Much More!]]></description>
	<itunes:subtitle><![CDATA[Student loan forgiveness was a hot topic during the 2020 election cycle. With so many outstanding student loan payments, will the government step in to wipe out the debt? While many theorize about this, Robert Farrington takes the opposite angle, urging ]]></itunes:subtitle>
	<content:encoded><![CDATA[Student loan forgiveness was a hot topic during the 2020 election cycle. With so many outstanding student loan payments, will the government step in to wipe out the debt? While many theorize about this, Robert Farrington takes the opposite angle, urging those who have student loans to prepare for repayment, rather than cancellation. This way, even if your student loans get forgiven, you’re put in a financially advantageous spot.




Robert runs The College Investor, a website dedicated to investing and personal finance for millennials. It comes as no surprise that the biggest thing on millennials’ minds are student loans, especially after two years of repayment moratoriums. So, how does someone strapped with student loans prepare for repayment, especially when so many variables are up in the air? Well, according to Robert, there are some simple steps you can take to make sure you’re paying on time and with as little stress as possible. 




Episode note: This episode was recorded prior to the new student loan pause, set to expire on May 1st, 2022. Mindy and Robert record a special intro to update listeners on the new dates set by the Biden Administration. All other topics discussed in the show, especially around repayment strategy, are still viable and accurate for those who have student loans.




In This Episode We Cover

The most recent student loan repayment moratorium update 

The difference between federal and private student loans and which are preferable 

Refinancing your student loans and why most people shouldn’t 

Student loan forgiveness and whether or not it will come to fruition this year

Steps you need to take NOW to ensure you don’t miss a payment or accrue extra interest 

Which repayment plans work best for your lifestyle and allow you the most financial flexibility 

And So Much More!]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC4286726598.mp3" length="49886930" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[Student loan forgiveness was a hot topic during the 2020 election cycle. With so many outstanding student loan payments, will the government step in to wipe out the debt? While many theorize about this, Robert Farrington takes the opposite angle, urging those who have student loans to prepare for repayment, rather than cancellation. This way, even if your student loans get forgiven, you’re put in a financially advantageous spot.




Robert runs The College Investor, a website dedicated to investing and personal finance for millennials. It comes as no surprise that the biggest thing on millennials’ minds are student loans, especially after two years of repayment moratoriums. So, how does someone strapped with student loans prepare for repayment, especially when so many variables are up in the air? Well, according to Robert, there are some simple steps you can take to make sure you’re paying on time and with as little stress as possible. 




Episode note: This episode was recorded prior to the new student loan pause, set to expire on May 1st, 2022. Mindy and Robert record a special intro to update listeners on the new dates set by the Biden Administration. All other topics discussed in the show, especially around repayment strategy, are still viable and accurate for those who have student loans.




In This Episode We Cover

The most recent student loan repayment moratorium update 

The difference between federal and private student loans and which are preferable 

Refinancing your student loans and why most people shouldn’t 

Student loan forgiveness and whether or not it will come to fruition this year

Steps you need to take NOW to ensure you don’t miss a payment or accrue extra interest 

Which repayment plans work best for your lifestyle and allow you the most financial flexibility 

And So Much More!]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[Student loan forgiveness was a hot topic during the 2020 election cycle. With so many outstanding student loan payments, will the government step in to wipe out the debt? While many theorize about this, Robert Farrington takes the opposite angle, urging those who have student loans to prepare for repayment, rather than cancellation. This way, even if your student loans get forgiven, you’re put in a financially advantageous spot.




Robert runs The College Investor, a website dedicated to investing and personal finance for millennials. It comes as no surprise that the biggest thing on millennials’ minds are student loans, especially after two years of repayment moratoriums. So, how does someone strapped with student loans prepare for repayment, especially when so many variables are up in the air? Well, according to Robert, there are some simple steps you can take to make sure you’re paying on time and with as little stress as possible. 




Episode note: This episode was recorded prio]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>266: Finance Friday: How to Pay Off Bad Debt + When Is Life Insurance Worth It?</title>
	<link>https://biggerpocketsmoney.com/podcast/266-finance-friday-how-to-pay-off-bad-debt-when-is-life-insurance-worth-it/</link>
	<pubDate>Fri, 14 Jan 2022 07:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">gid://art19-episode-locator/V0/Hek4mW0UDA6LDUtovHBeJfw8NGflbH8zfOhUaPmsxNk</guid>
	<description><![CDATA[Bad debt is more common than it seems. Many people you know have a car loan, personal loan, credit card loan, or some other form of high(er) interest debt. If you find yourself with bad debt, the first thing to do is formulate a plan to get rid of it, unless you want your savings and potential investments to suffer the consequences.




Today’s guest, Stephanie is in a financially solid position, but she has some bad debt to take care of. She’s on her way to financial freedom by forty after already owning a home and having some retirement investments growing in the background. But, her $13,000 window loan at ten percent interest is causing leakage of investable cash flow. 




Yet, Stephanie may be in a better position than she thinks. Since buying her house, she’s seen a big increase in her property value, which may enable her to secure some lower interest financing to pay off her window loan. Scott and Mindy also help Stephanie develop an expense tracking plan, debate whether or not whole life insurance is worth it, and put her in the driver’s seat to become a cash-flowing landlord only a few short years down the road! 




In This Episode We Cover

The importance of tracking your expenses and why every dollar needs its place 

Good debt vs. bad debt and how to know whether or not an interest rate is too high

HELOCs (home equity lines of credit) and using them to pay off bad debt

Whole life insurance vs. term life insurance and which makes more sense for you

Whether or not that bathroom upgrade will have a positive ROI

Becoming a financial expert slowly through podcasts, books, and enjoyable education

And So Much More!]]></description>
	<itunes:subtitle><![CDATA[Bad debt is more common than it seems. Many people you know have a car loan, personal loan, credit card loan, or some other form of high(er) interest debt. If you find yourself with bad debt, the first thing to do is formulate a plan to get rid of it, un]]></itunes:subtitle>
	<content:encoded><![CDATA[Bad debt is more common than it seems. Many people you know have a car loan, personal loan, credit card loan, or some other form of high(er) interest debt. If you find yourself with bad debt, the first thing to do is formulate a plan to get rid of it, unless you want your savings and potential investments to suffer the consequences.




Today’s guest, Stephanie is in a financially solid position, but she has some bad debt to take care of. She’s on her way to financial freedom by forty after already owning a home and having some retirement investments growing in the background. But, her $13,000 window loan at ten percent interest is causing leakage of investable cash flow. 




Yet, Stephanie may be in a better position than she thinks. Since buying her house, she’s seen a big increase in her property value, which may enable her to secure some lower interest financing to pay off her window loan. Scott and Mindy also help Stephanie develop an expense tracking plan, debate whether or not whole life insurance is worth it, and put her in the driver’s seat to become a cash-flowing landlord only a few short years down the road! 




In This Episode We Cover

The importance of tracking your expenses and why every dollar needs its place 

Good debt vs. bad debt and how to know whether or not an interest rate is too high

HELOCs (home equity lines of credit) and using them to pay off bad debt

Whole life insurance vs. term life insurance and which makes more sense for you

Whether or not that bathroom upgrade will have a positive ROI

Becoming a financial expert slowly through podcasts, books, and enjoyable education

And So Much More!]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC1856022263.mp3" length="80112132" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[Bad debt is more common than it seems. Many people you know have a car loan, personal loan, credit card loan, or some other form of high(er) interest debt. If you find yourself with bad debt, the first thing to do is formulate a plan to get rid of it, unless you want your savings and potential investments to suffer the consequences.




Today’s guest, Stephanie is in a financially solid position, but she has some bad debt to take care of. She’s on her way to financial freedom by forty after already owning a home and having some retirement investments growing in the background. But, her $13,000 window loan at ten percent interest is causing leakage of investable cash flow. 




Yet, Stephanie may be in a better position than she thinks. Since buying her house, she’s seen a big increase in her property value, which may enable her to secure some lower interest financing to pay off her window loan. Scott and Mindy also help Stephanie develop an expense tracking plan, debate whether or not whole life insurance is worth it, and put her in the driver’s seat to become a cash-flowing landlord only a few short years down the road! 




In This Episode We Cover

The importance of tracking your expenses and why every dollar needs its place 

Good debt vs. bad debt and how to know whether or not an interest rate is too high

HELOCs (home equity lines of credit) and using them to pay off bad debt

Whole life insurance vs. term life insurance and which makes more sense for you

Whether or not that bathroom upgrade will have a positive ROI

Becoming a financial expert slowly through podcasts, books, and enjoyable education

And So Much More!]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[Bad debt is more common than it seems. Many people you know have a car loan, personal loan, credit card loan, or some other form of high(er) interest debt. If you find yourself with bad debt, the first thing to do is formulate a plan to get rid of it, unless you want your savings and potential investments to suffer the consequences.




Today’s guest, Stephanie is in a financially solid position, but she has some bad debt to take care of. She’s on her way to financial freedom by forty after already owning a home and having some retirement investments growing in the background. But, her $13,000 window loan at ten percent interest is causing leakage of investable cash flow. 




Yet, Stephanie may be in a better position than she thinks. Since buying her house, she’s seen a big increase in her property value, which may enable her to secure some lower interest financing to pay off her window loan. Scott and Mindy also help Stephanie develop an expense tracking plan, debate whether or not]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>Protecting Your Home (and Wealth!) When a Natural Disaster Strikes w/ Steve Longenecker (Bonus Episode)</title>
	<link>https://biggerpocketsmoney.com/podcast/protecting-your-home-and-wealth-when-a-natural-disaster-strikes-w-steve-longenecker-bonus-episode/</link>
	<pubDate>Wed, 12 Jan 2022 07:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">gid://art19-episode-locator/V0/37uHIMtFkvrP15XiI1RDT4kxitSkcVOSy-BkcC8WQ_c</guid>
	<description><![CDATA[Home insurance isn’t the sexiest topic, but in the world of financial independence, predictability is quite an attractive trait to have. That’s why money nerds across the world value insurance as a natural hedge against catastrophic wealth-ending disasters. Whether you’re a homeowner, a renter, or a landlord, home insurance could help you rebuild quicker after the unexpected happens.




Recently, a large fire broke out around the Denver, Colorado area, affecting families in Mindy’s home city of Longmont. Thankfully, Mindy and her family are safe, but many didn’t share the same fate. Hundreds of households were left without homes, while they watched their old neighborhoods turn to ashes and embers. This prompted Mindy to invite her good friend and insurance expert, Steve Longenecker, onto the show to discuss how you can financially protect your family when disaster strikes.




Are you underinsured thanks to rising home prices? How much will your insurance company pay you if your home is destroyed? How are renters protected during natural disasters? And who should you contact to make a claim? All these questions (and more) are answered in today’s bonus episode of the BiggerPockets Money Podcast. 




In This Episode We Cover

How home price appreciation greatly affects your insurance coverage 

Checking to make sure you’re not underinsured or overinsured 

“Binding restrictions” and how insurance companies use them during disasters 

Tips for homeowners on getting the most appropriate insurance policy for their needs 

Renters insurance and how renters can stay protected as well

How to submit and process a claim with your insurance agent

And So Much More!]]></description>
	<itunes:subtitle><![CDATA[Home insurance isn’t the sexiest topic, but in the world of financial independence, predictability is quite an attractive trait to have. That’s why money nerds across the world value insurance as a natural hedge against catastrophic wealth-ending disaste]]></itunes:subtitle>
	<content:encoded><![CDATA[Home insurance isn’t the sexiest topic, but in the world of financial independence, predictability is quite an attractive trait to have. That’s why money nerds across the world value insurance as a natural hedge against catastrophic wealth-ending disasters. Whether you’re a homeowner, a renter, or a landlord, home insurance could help you rebuild quicker after the unexpected happens.




Recently, a large fire broke out around the Denver, Colorado area, affecting families in Mindy’s home city of Longmont. Thankfully, Mindy and her family are safe, but many didn’t share the same fate. Hundreds of households were left without homes, while they watched their old neighborhoods turn to ashes and embers. This prompted Mindy to invite her good friend and insurance expert, Steve Longenecker, onto the show to discuss how you can financially protect your family when disaster strikes.




Are you underinsured thanks to rising home prices? How much will your insurance company pay you if your home is destroyed? How are renters protected during natural disasters? And who should you contact to make a claim? All these questions (and more) are answered in today’s bonus episode of the BiggerPockets Money Podcast. 




In This Episode We Cover

How home price appreciation greatly affects your insurance coverage 

Checking to make sure you’re not underinsured or overinsured 

“Binding restrictions” and how insurance companies use them during disasters 

Tips for homeowners on getting the most appropriate insurance policy for their needs 

Renters insurance and how renters can stay protected as well

How to submit and process a claim with your insurance agent

And So Much More!]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC9997931377.mp3" length="49881155" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[Home insurance isn’t the sexiest topic, but in the world of financial independence, predictability is quite an attractive trait to have. That’s why money nerds across the world value insurance as a natural hedge against catastrophic wealth-ending disasters. Whether you’re a homeowner, a renter, or a landlord, home insurance could help you rebuild quicker after the unexpected happens.




Recently, a large fire broke out around the Denver, Colorado area, affecting families in Mindy’s home city of Longmont. Thankfully, Mindy and her family are safe, but many didn’t share the same fate. Hundreds of households were left without homes, while they watched their old neighborhoods turn to ashes and embers. This prompted Mindy to invite her good friend and insurance expert, Steve Longenecker, onto the show to discuss how you can financially protect your family when disaster strikes.




Are you underinsured thanks to rising home prices? How much will your insurance company pay you if your home is destroyed? How are renters protected during natural disasters? And who should you contact to make a claim? All these questions (and more) are answered in today’s bonus episode of the BiggerPockets Money Podcast. 




In This Episode We Cover

How home price appreciation greatly affects your insurance coverage 

Checking to make sure you’re not underinsured or overinsured 

“Binding restrictions” and how insurance companies use them during disasters 

Tips for homeowners on getting the most appropriate insurance policy for their needs 

Renters insurance and how renters can stay protected as well

How to submit and process a claim with your insurance agent

And So Much More!]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[Home insurance isn’t the sexiest topic, but in the world of financial independence, predictability is quite an attractive trait to have. That’s why money nerds across the world value insurance as a natural hedge against catastrophic wealth-ending disasters. Whether you’re a homeowner, a renter, or a landlord, home insurance could help you rebuild quicker after the unexpected happens.




Recently, a large fire broke out around the Denver, Colorado area, affecting families in Mindy’s home city of Longmont. Thankfully, Mindy and her family are safe, but many didn’t share the same fate. Hundreds of households were left without homes, while they watched their old neighborhoods turn to ashes and embers. This prompted Mindy to invite her good friend and insurance expert, Steve Longenecker, onto the show to discuss how you can financially protect your family when disaster strikes.




Are you underinsured thanks to rising home prices? How much will your insurance company pay you if your home]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>265: Death and Finances: What to Do (Before and) After A Loved One Passes w/ Allison Nichol Longtin</title>
	<link>https://biggerpocketsmoney.com/podcast/265-death-and-finances-what-to-do-before-and-after-a-loved-one-passes-w-allison-nichol-longtin/</link>
	<pubDate>Mon, 10 Jan 2022 07:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">gid://art19-episode-locator/V0/oYRDhJc_F929n6zgajan0NhZAUTywhlwfMAkDNIegUY</guid>
	<description><![CDATA[Death and finances can arguably be called the two things that people hate talking about most. Unfortunately, these are two topics that cannot be kept in the dark, as we all must deal with loss, both emotionally and financially over our lifetime. What can the average person do when they’ve just received the heartbreaking news that a loved one has died. Even worse, what if it’s their partner?




This almost unimaginable shock came to Allison Nichol Longtin when her husband passed away six years into their marriage. Not only did Allison have to carry the emotional burden of losing her partner, but she also had to deal with the financial fallout of his death. She spent over a year carrying around a portfolio of papers, proving to numerous different entities that she indeed was the new owner of her husband’s accounts.




Allison admittedly made some mistakes in not preparing for the unexpected, but she’s since then made a strong case that every couple should do what she overlooked. Today, Mindy and Allison go through the top steps that every couple (married or unmarried) should take in order to keep their financial burden as minimal as possible during an unexpected death. 




This was a very difficult episode to record (due to the subject matter at hand). We wholeheartedly thank Allison for coming on and giving advice that will benefit every couple listening to this episode. 




In This Episode We Cover

How to prepare for the unexpected death of your spouse or partner

The importance of creating a will and estate planning 

Why having joint bank accounts is an often overlooked financial failsafe 

Having a plan in place to share passwords and login information for financial accounts

Defeating your money anxiety and becoming less avoidant about finances 

How to have a money date with yourself or your partner

And So Much More!]]></description>
	<itunes:subtitle><![CDATA[Death and finances can arguably be called the two things that people hate talking about most. Unfortunately, these are two topics that cannot be kept in the dark, as we all must deal with loss, both emotionally and financially over our lifetime. What can]]></itunes:subtitle>
	<content:encoded><![CDATA[Death and finances can arguably be called the two things that people hate talking about most. Unfortunately, these are two topics that cannot be kept in the dark, as we all must deal with loss, both emotionally and financially over our lifetime. What can the average person do when they’ve just received the heartbreaking news that a loved one has died. Even worse, what if it’s their partner?




This almost unimaginable shock came to Allison Nichol Longtin when her husband passed away six years into their marriage. Not only did Allison have to carry the emotional burden of losing her partner, but she also had to deal with the financial fallout of his death. She spent over a year carrying around a portfolio of papers, proving to numerous different entities that she indeed was the new owner of her husband’s accounts.




Allison admittedly made some mistakes in not preparing for the unexpected, but she’s since then made a strong case that every couple should do what she overlooked. Today, Mindy and Allison go through the top steps that every couple (married or unmarried) should take in order to keep their financial burden as minimal as possible during an unexpected death. 




This was a very difficult episode to record (due to the subject matter at hand). We wholeheartedly thank Allison for coming on and giving advice that will benefit every couple listening to this episode. 




In This Episode We Cover

How to prepare for the unexpected death of your spouse or partner

The importance of creating a will and estate planning 

Why having joint bank accounts is an often overlooked financial failsafe 

Having a plan in place to share passwords and login information for financial accounts

Defeating your money anxiety and becoming less avoidant about finances 

How to have a money date with yourself or your partner

And So Much More!]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC4195283421.mp3" length="70966121" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[Death and finances can arguably be called the two things that people hate talking about most. Unfortunately, these are two topics that cannot be kept in the dark, as we all must deal with loss, both emotionally and financially over our lifetime. What can the average person do when they’ve just received the heartbreaking news that a loved one has died. Even worse, what if it’s their partner?




This almost unimaginable shock came to Allison Nichol Longtin when her husband passed away six years into their marriage. Not only did Allison have to carry the emotional burden of losing her partner, but she also had to deal with the financial fallout of his death. She spent over a year carrying around a portfolio of papers, proving to numerous different entities that she indeed was the new owner of her husband’s accounts.




Allison admittedly made some mistakes in not preparing for the unexpected, but she’s since then made a strong case that every couple should do what she overlooked. Today, Mindy and Allison go through the top steps that every couple (married or unmarried) should take in order to keep their financial burden as minimal as possible during an unexpected death. 




This was a very difficult episode to record (due to the subject matter at hand). We wholeheartedly thank Allison for coming on and giving advice that will benefit every couple listening to this episode. 




In This Episode We Cover

How to prepare for the unexpected death of your spouse or partner

The importance of creating a will and estate planning 

Why having joint bank accounts is an often overlooked financial failsafe 

Having a plan in place to share passwords and login information for financial accounts

Defeating your money anxiety and becoming less avoidant about finances 

How to have a money date with yourself or your partner

And So Much More!]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[Death and finances can arguably be called the two things that people hate talking about most. Unfortunately, these are two topics that cannot be kept in the dark, as we all must deal with loss, both emotionally and financially over our lifetime. What can the average person do when they’ve just received the heartbreaking news that a loved one has died. Even worse, what if it’s their partner?




This almost unimaginable shock came to Allison Nichol Longtin when her husband passed away six years into their marriage. Not only did Allison have to carry the emotional burden of losing her partner, but she also had to deal with the financial fallout of his death. She spent over a year carrying around a portfolio of papers, proving to numerous different entities that she indeed was the new owner of her husband’s accounts.




Allison admittedly made some mistakes in not preparing for the unexpected, but she’s since then made a strong case that every couple should do what she overlooked. Today]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>264: Finance Friday: Passive Income, Syndications, Real Estate, and Retirement</title>
	<link>https://biggerpocketsmoney.com/podcast/264-finance-friday-passive-income-syndications-real-estate-and-retirement/</link>
	<pubDate>Fri, 07 Jan 2022 07:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">gid://art19-episode-locator/V0/MIUGv_deiLeaDfoGQ8eyXhQq0WT4uE7bFNVP9XRoX0I</guid>
	<description><![CDATA[“Can I retire yet?” If you’re today’s guest Jenn, then the short answer is a resounding “yes”. And if you aren’t Jenn, you’ll probably want to be in her position upon retirement. Jenn has a lot of income options: a military pension from her spouse, a great full-time income, real estate syndication cash flow, and a LOT of assets. Jenn’s net worth has reached the height of around $4 million, with more than a million alone in retirement accounts.




If Jenn is so set, why is she coming on the Money Podcast to talk with Scott and Mindy? Well, Jenn has a pretty large amount of expenses: somewhere in the ballpark of nine thousand dollars a month. She wants to know if she has enough passive income and investable assets to continue living life the way that she sees fit. Her family will also be moving to Europe for the next year or so, making it even more crucial that she has enough to enjoy traveling. 




This show talks about some pretty high-level concepts specifically around real estate equity and syndications. Even if you’re not an accredited investor, this information will be worth its weight in gold to you as you scale your income and net worth. Soon, you could be in a position just like Jenn! 




In This Episode We Cover

Military pensions and how to value them for retirement 

Spending less than you earn and joint vs. separate bank accounts for couples 

Building (and then selling off) a high-value real estate portfolio 

Investing in real estate syndications and the tax benefits that come with it

How to avoid “one more year” syndrome when thinking about retirement 

Maximizing your portfolio’s income and calculating your return-on-time 

And So Much More!]]></description>
	<itunes:subtitle><![CDATA[“Can I retire yet?” If you’re today’s guest Jenn, then the short answer is a resounding “yes”. And if you aren’t Jenn, you’ll probably want to be in her position upon retirement. Jenn has a lot of income options: a military pension from her spouse, a gre]]></itunes:subtitle>
	<content:encoded><![CDATA[“Can I retire yet?” If you’re today’s guest Jenn, then the short answer is a resounding “yes”. And if you aren’t Jenn, you’ll probably want to be in her position upon retirement. Jenn has a lot of income options: a military pension from her spouse, a great full-time income, real estate syndication cash flow, and a LOT of assets. Jenn’s net worth has reached the height of around $4 million, with more than a million alone in retirement accounts.




If Jenn is so set, why is she coming on the Money Podcast to talk with Scott and Mindy? Well, Jenn has a pretty large amount of expenses: somewhere in the ballpark of nine thousand dollars a month. She wants to know if she has enough passive income and investable assets to continue living life the way that she sees fit. Her family will also be moving to Europe for the next year or so, making it even more crucial that she has enough to enjoy traveling. 




This show talks about some pretty high-level concepts specifically around real estate equity and syndications. Even if you’re not an accredited investor, this information will be worth its weight in gold to you as you scale your income and net worth. Soon, you could be in a position just like Jenn! 




In This Episode We Cover

Military pensions and how to value them for retirement 

Spending less than you earn and joint vs. separate bank accounts for couples 

Building (and then selling off) a high-value real estate portfolio 

Investing in real estate syndications and the tax benefits that come with it

How to avoid “one more year” syndrome when thinking about retirement 

Maximizing your portfolio’s income and calculating your return-on-time 

And So Much More!]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC3557328398.mp3" length="72707388" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[“Can I retire yet?” If you’re today’s guest Jenn, then the short answer is a resounding “yes”. And if you aren’t Jenn, you’ll probably want to be in her position upon retirement. Jenn has a lot of income options: a military pension from her spouse, a great full-time income, real estate syndication cash flow, and a LOT of assets. Jenn’s net worth has reached the height of around $4 million, with more than a million alone in retirement accounts.




If Jenn is so set, why is she coming on the Money Podcast to talk with Scott and Mindy? Well, Jenn has a pretty large amount of expenses: somewhere in the ballpark of nine thousand dollars a month. She wants to know if she has enough passive income and investable assets to continue living life the way that she sees fit. Her family will also be moving to Europe for the next year or so, making it even more crucial that she has enough to enjoy traveling. 




This show talks about some pretty high-level concepts specifically around real estate equity and syndications. Even if you’re not an accredited investor, this information will be worth its weight in gold to you as you scale your income and net worth. Soon, you could be in a position just like Jenn! 




In This Episode We Cover

Military pensions and how to value them for retirement 

Spending less than you earn and joint vs. separate bank accounts for couples 

Building (and then selling off) a high-value real estate portfolio 

Investing in real estate syndications and the tax benefits that come with it

How to avoid “one more year” syndrome when thinking about retirement 

Maximizing your portfolio’s income and calculating your return-on-time 

And So Much More!]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[“Can I retire yet?” If you’re today’s guest Jenn, then the short answer is a resounding “yes”. And if you aren’t Jenn, you’ll probably want to be in her position upon retirement. Jenn has a lot of income options: a military pension from her spouse, a great full-time income, real estate syndication cash flow, and a LOT of assets. Jenn’s net worth has reached the height of around $4 million, with more than a million alone in retirement accounts.




If Jenn is so set, why is she coming on the Money Podcast to talk with Scott and Mindy? Well, Jenn has a pretty large amount of expenses: somewhere in the ballpark of nine thousand dollars a month. She wants to know if she has enough passive income and investable assets to continue living life the way that she sees fit. Her family will also be moving to Europe for the next year or so, making it even more crucial that she has enough to enjoy traveling. 




This show talks about some pretty high-level concepts specifically around real estate ]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>263: Becoming Debt-Free and Generating $320,000/Year from Simple Side Hustles w/Jannese Torres-Rodriguez</title>
	<link>https://biggerpocketsmoney.com/podcast/263-becoming-debt-free-and-generating-320000-year-from-simple-side-hustles-w-jannese-torres-rodriguez/</link>
	<pubDate>Mon, 03 Jan 2022 07:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">gid://art19-episode-locator/V0/TDA8UcY7cOveZdiIMINDfXJCCHKMwUTeY8EGvYQXwp4</guid>
	<description><![CDATA[Most people assume wealth is built from a singular source, but the most successful people have multiple streams of income. 2020 was the year of the side hustle. People started to find ways to monetize their hobbies, create services, and capitalize on their talents. While some people are just now catching on, today’s guest, Jannese Torres-Rodriguez, was ahead of the curve. It all began with a food blog she started for fun that has turned into passive income for her $320,000 salary composed solely from her various “side hustles”. 

 

Before the start of her money journey, Jannese was on the traditional path to what most would consider the ideal type of success. She not only graduated from college but got her master's in pharmaceuticals and landed a job that led to her dream, a six-figure salary. Despite this, she was still unhappy and soon realized she was unaligned with the power of money. Over time, she made several lifestyle changes and started learning about financial independence. Using what she learned, Jannese finished paying off her $57,000 student loans and became debt-free in February of 2020.  

	

After 5+ years of accruing income from her food blog, Jannese discovered she could make her side hustles a full-time business and finally be fulfilled by the work she was doing. She began a podcast about financial independence that aims to help people of color learn more about financial freedom. She also does virtual workshops, digital courses, and brand partnerships as well as several other services that contribute to her salary. Jannese is a perfect example that you don’t have to give up what you love to make money, you just have to capitalize on it. 




In This Episode We Cover

How to find financial independence, even if you’re in a lot of debt 

How to minimize excessive spending while still enjoying your money 

Becoming a full-time entrepreneur and managing the struggles of being self-employed 

Outsourcing work and its importance especially when you’re stretched thin 

Dealing with Imposter Syndrome and overcoming shyness  

The value of diversifying your income and why it’s becoming more popular  

Finding your niche target market, even if you don’t think you have one 

And So Much More!]]></description>
	<itunes:subtitle><![CDATA[Most people assume wealth is built from a singular source, but the most successful people have multiple streams of income. 2020 was the year of the side hustle. People started to find ways to monetize their hobbies, create services, and capitalize on the]]></itunes:subtitle>
	<content:encoded><![CDATA[Most people assume wealth is built from a singular source, but the most successful people have multiple streams of income. 2020 was the year of the side hustle. People started to find ways to monetize their hobbies, create services, and capitalize on their talents. While some people are just now catching on, today’s guest, Jannese Torres-Rodriguez, was ahead of the curve. It all began with a food blog she started for fun that has turned into passive income for her $320,000 salary composed solely from her various “side hustles”. 

 

Before the start of her money journey, Jannese was on the traditional path to what most would consider the ideal type of success. She not only graduated from college but got her master's in pharmaceuticals and landed a job that led to her dream, a six-figure salary. Despite this, she was still unhappy and soon realized she was unaligned with the power of money. Over time, she made several lifestyle changes and started learning about financial independence. Using what she learned, Jannese finished paying off her $57,000 student loans and became debt-free in February of 2020.  

	

After 5+ years of accruing income from her food blog, Jannese discovered she could make her side hustles a full-time business and finally be fulfilled by the work she was doing. She began a podcast about financial independence that aims to help people of color learn more about financial freedom. She also does virtual workshops, digital courses, and brand partnerships as well as several other services that contribute to her salary. Jannese is a perfect example that you don’t have to give up what you love to make money, you just have to capitalize on it. 




In This Episode We Cover

How to find financial independence, even if you’re in a lot of debt 

How to minimize excessive spending while still enjoying your money 

Becoming a full-time entrepreneur and managing the struggles of being self-employed 

Outsourcing work and its importance especially when you’re stretched thin 

Dealing with Imposter Syndrome and overcoming shyness  

The value of diversifying your income and why it’s becoming more popular  

Finding your niche target market, even if you don’t think you have one 

And So Much More!]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC8560250571.mp3" length="76832611" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[Most people assume wealth is built from a singular source, but the most successful people have multiple streams of income. 2020 was the year of the side hustle. People started to find ways to monetize their hobbies, create services, and capitalize on their talents. While some people are just now catching on, today’s guest, Jannese Torres-Rodriguez, was ahead of the curve. It all began with a food blog she started for fun that has turned into passive income for her $320,000 salary composed solely from her various “side hustles”. 

 

Before the start of her money journey, Jannese was on the traditional path to what most would consider the ideal type of success. She not only graduated from college but got her master's in pharmaceuticals and landed a job that led to her dream, a six-figure salary. Despite this, she was still unhappy and soon realized she was unaligned with the power of money. Over time, she made several lifestyle changes and started learning about financial independence. Using what she learned, Jannese finished paying off her $57,000 student loans and became debt-free in February of 2020.  

	

After 5+ years of accruing income from her food blog, Jannese discovered she could make her side hustles a full-time business and finally be fulfilled by the work she was doing. She began a podcast about financial independence that aims to help people of color learn more about financial freedom. She also does virtual workshops, digital courses, and brand partnerships as well as several other services that contribute to her salary. Jannese is a perfect example that you don’t have to give up what you love to make money, you just have to capitalize on it. 




In This Episode We Cover

How to find financial independence, even if you’re in a lot of debt 

How to minimize excessive spending while still enjoying your money 

Becoming a full-time entrepreneur and managing the struggles of being self-employed 

Outsourcing work and its importance especially when you’re stretched thin 

Dealing with Imposter Syndrome and overcoming shyness  

The value of diversifying your income and why it’s becoming more popular  

Finding your niche target market, even if you don’t think you have one 

And So Much More!]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[Most people assume wealth is built from a singular source, but the most successful people have multiple streams of income. 2020 was the year of the side hustle. People started to find ways to monetize their hobbies, create services, and capitalize on their talents. While some people are just now catching on, today’s guest, Jannese Torres-Rodriguez, was ahead of the curve. It all began with a food blog she started for fun that has turned into passive income for her $320,000 salary composed solely from her various “side hustles”. 

 

Before the start of her money journey, Jannese was on the traditional path to what most would consider the ideal type of success. She not only graduated from college but got her master's in pharmaceuticals and landed a job that led to her dream, a six-figure salary. Despite this, she was still unhappy and soon realized she was unaligned with the power of money. Over time, she made several lifestyle changes and started learning about financial independence.]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>262: Prenups, Projects, Prolific Spending, and Planning for 2022 w/ Carl &#038; Mindy Jensen</title>
	<link>https://biggerpocketsmoney.com/podcast/262-prenups-projects-prolific-spending-and-planning-for-2022-w-carl-mindy-jensen/</link>
	<pubDate>Fri, 31 Dec 2021 07:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">gid://art19-episode-locator/V0/nTGuRi6Bpphy39fUpas4PtZPeUORmmx69WVWCwK_lBs</guid>
	<description><![CDATA[Mindy may seem like a financial superhero to most listeners of the Money Podcast, but she’s nothing without her financial education inspiring partner, Carl Jensen. Carl is known quite well around the personal finance community as co-host of the Mile High FI podcast and writer over at 1500days.com. Carl and Mindy are just closing in on their twentieth anniversary, so there’s no better occasion to have them both on the show than right now!




Surprisingly, Carl and Mindy didn’t talk about money for a significant time once they started dating. Mindy credits her faith in Carl’s money skills by how he acted more than how he spoke. Carl was driving around a used car, he lived in a house he inherited from his grandmother, and he used a coupon on their first date (smart move, Carl). 




Now as a financial and romantic powerhouse, they both share thoughts on prenuptial agreements, protecting your wealth, 401k investing, and questions to ask a potential partner. Whether you’re single, dating, married, or a money-hoarding hermit, this episode sheds light on twenty years worth of money lessons learned so you can live a happier, more FI-focused life!




In This Episode We Cover

When a prenup is worth having and whether or not it will protect your wealth 

The telltale “context clues” of dating someone who has a frugal mindset

Frontloading your retirement accounts so you can build wealth faster

The importance of tracking your expenses and regularly updating your FI number 

Margin loans and getting low-interest debt on your stock portfolio

When to start talking about money with a potential partner 

And So Much More!]]></description>
	<itunes:subtitle><![CDATA[Mindy may seem like a financial superhero to most listeners of the Money Podcast, but she’s nothing without her financial education inspiring partner, Carl Jensen. Carl is known quite well around the personal finance community as co-host of the Mile High]]></itunes:subtitle>
	<content:encoded><![CDATA[Mindy may seem like a financial superhero to most listeners of the Money Podcast, but she’s nothing without her financial education inspiring partner, Carl Jensen. Carl is known quite well around the personal finance community as co-host of the Mile High FI podcast and writer over at 1500days.com. Carl and Mindy are just closing in on their twentieth anniversary, so there’s no better occasion to have them both on the show than right now!




Surprisingly, Carl and Mindy didn’t talk about money for a significant time once they started dating. Mindy credits her faith in Carl’s money skills by how he acted more than how he spoke. Carl was driving around a used car, he lived in a house he inherited from his grandmother, and he used a coupon on their first date (smart move, Carl). 




Now as a financial and romantic powerhouse, they both share thoughts on prenuptial agreements, protecting your wealth, 401k investing, and questions to ask a potential partner. Whether you’re single, dating, married, or a money-hoarding hermit, this episode sheds light on twenty years worth of money lessons learned so you can live a happier, more FI-focused life!




In This Episode We Cover

When a prenup is worth having and whether or not it will protect your wealth 

The telltale “context clues” of dating someone who has a frugal mindset

Frontloading your retirement accounts so you can build wealth faster

The importance of tracking your expenses and regularly updating your FI number 

Margin loans and getting low-interest debt on your stock portfolio

When to start talking about money with a potential partner 

And So Much More!]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC7318931314.mp3" length="66318708" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[Mindy may seem like a financial superhero to most listeners of the Money Podcast, but she’s nothing without her financial education inspiring partner, Carl Jensen. Carl is known quite well around the personal finance community as co-host of the Mile High FI podcast and writer over at 1500days.com. Carl and Mindy are just closing in on their twentieth anniversary, so there’s no better occasion to have them both on the show than right now!




Surprisingly, Carl and Mindy didn’t talk about money for a significant time once they started dating. Mindy credits her faith in Carl’s money skills by how he acted more than how he spoke. Carl was driving around a used car, he lived in a house he inherited from his grandmother, and he used a coupon on their first date (smart move, Carl). 




Now as a financial and romantic powerhouse, they both share thoughts on prenuptial agreements, protecting your wealth, 401k investing, and questions to ask a potential partner. Whether you’re single, dating, married, or a money-hoarding hermit, this episode sheds light on twenty years worth of money lessons learned so you can live a happier, more FI-focused life!




In This Episode We Cover

When a prenup is worth having and whether or not it will protect your wealth 

The telltale “context clues” of dating someone who has a frugal mindset

Frontloading your retirement accounts so you can build wealth faster

The importance of tracking your expenses and regularly updating your FI number 

Margin loans and getting low-interest debt on your stock portfolio

When to start talking about money with a potential partner 

And So Much More!]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[Mindy may seem like a financial superhero to most listeners of the Money Podcast, but she’s nothing without her financial education inspiring partner, Carl Jensen. Carl is known quite well around the personal finance community as co-host of the Mile High FI podcast and writer over at 1500days.com. Carl and Mindy are just closing in on their twentieth anniversary, so there’s no better occasion to have them both on the show than right now!




Surprisingly, Carl and Mindy didn’t talk about money for a significant time once they started dating. Mindy credits her faith in Carl’s money skills by how he acted more than how he spoke. Carl was driving around a used car, he lived in a house he inherited from his grandmother, and he used a coupon on their first date (smart move, Carl). 




Now as a financial and romantic powerhouse, they both share thoughts on prenuptial agreements, protecting your wealth, 401k investing, and questions to ask a potential partner. Whether you’re single, dating,]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>261: Stop Taking Money So Seriously w/ Joe Saul-Sehy &#038; Emily Guy Birken</title>
	<link>https://biggerpocketsmoney.com/podcast/261-stop-taking-money-so-seriously-w-joe-saul-sehy-emily-guy-birken/</link>
	<pubDate>Mon, 27 Dec 2021 07:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">gid://art19-episode-locator/V0/zTjKTkCJKqWEXRkHseBPQn_iBOpCL0C0lCF4ukPf6G4</guid>
	<description><![CDATA[Building wealth takes decades with some serious hard work and many, many mistakes along the way. The problem? Most financial independence chasers see themselves as having to be perfectionists. Every investment must be perfect, every dollar spent housed within a budget, and at no time can money become something fun or playful.




Joe Saul-Sehy and Emily Guy Birken rightfully see this type of “serious money attitude” as a mistake that should be avoided at all costs. Every financial guru, expert, or leader in the field has made money mistakes, stressed about money, and finally overcame to accomplish greatness. This is exactly what Joe and Emily want you to accomplish through their new book Stacked: Your Super-Serious Guide to Modern Money Management.




Joe and Emily threw out the old-fashioned mentality about money having to be a serious subject. Instead, they littered their new book with humorous anecdotes, financial innuendo, and lessons that will allow you, your child, your spouse, or your best friend to succeed. If you’re tired of stressing about money and want to start stacking it instead, preorder the new book today!




In This Episode We Cover

Why most personal finance books tend to miss the mark on being entertaining and informative 

Risk management and how it goes far beyond simply buying insurance 

The importance of having a financial plan in place NOW before disaster strikes

401ks vs. Roth IRAs and the future tax implications of retirement accounts 

Tax brackets and the simplicity of calculating yours 

Why Joe needed to “fire” his own mother from working on his book

And So Much More!]]></description>
	<itunes:subtitle><![CDATA[Building wealth takes decades with some serious hard work and many, many mistakes along the way. The problem? Most financial independence chasers see themselves as having to be perfectionists. Every investment must be perfect, every dollar spent housed w]]></itunes:subtitle>
	<content:encoded><![CDATA[Building wealth takes decades with some serious hard work and many, many mistakes along the way. The problem? Most financial independence chasers see themselves as having to be perfectionists. Every investment must be perfect, every dollar spent housed within a budget, and at no time can money become something fun or playful.




Joe Saul-Sehy and Emily Guy Birken rightfully see this type of “serious money attitude” as a mistake that should be avoided at all costs. Every financial guru, expert, or leader in the field has made money mistakes, stressed about money, and finally overcame to accomplish greatness. This is exactly what Joe and Emily want you to accomplish through their new book Stacked: Your Super-Serious Guide to Modern Money Management.




Joe and Emily threw out the old-fashioned mentality about money having to be a serious subject. Instead, they littered their new book with humorous anecdotes, financial innuendo, and lessons that will allow you, your child, your spouse, or your best friend to succeed. If you’re tired of stressing about money and want to start stacking it instead, preorder the new book today!




In This Episode We Cover

Why most personal finance books tend to miss the mark on being entertaining and informative 

Risk management and how it goes far beyond simply buying insurance 

The importance of having a financial plan in place NOW before disaster strikes

401ks vs. Roth IRAs and the future tax implications of retirement accounts 

Tax brackets and the simplicity of calculating yours 

Why Joe needed to “fire” his own mother from working on his book

And So Much More!]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC8668771573.mp3" length="64544214" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[Building wealth takes decades with some serious hard work and many, many mistakes along the way. The problem? Most financial independence chasers see themselves as having to be perfectionists. Every investment must be perfect, every dollar spent housed within a budget, and at no time can money become something fun or playful.




Joe Saul-Sehy and Emily Guy Birken rightfully see this type of “serious money attitude” as a mistake that should be avoided at all costs. Every financial guru, expert, or leader in the field has made money mistakes, stressed about money, and finally overcame to accomplish greatness. This is exactly what Joe and Emily want you to accomplish through their new book Stacked: Your Super-Serious Guide to Modern Money Management.




Joe and Emily threw out the old-fashioned mentality about money having to be a serious subject. Instead, they littered their new book with humorous anecdotes, financial innuendo, and lessons that will allow you, your child, your spouse, or your best friend to succeed. If you’re tired of stressing about money and want to start stacking it instead, preorder the new book today!




In This Episode We Cover

Why most personal finance books tend to miss the mark on being entertaining and informative 

Risk management and how it goes far beyond simply buying insurance 

The importance of having a financial plan in place NOW before disaster strikes

401ks vs. Roth IRAs and the future tax implications of retirement accounts 

Tax brackets and the simplicity of calculating yours 

Why Joe needed to “fire” his own mother from working on his book

And So Much More!]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[Building wealth takes decades with some serious hard work and many, many mistakes along the way. The problem? Most financial independence chasers see themselves as having to be perfectionists. Every investment must be perfect, every dollar spent housed within a budget, and at no time can money become something fun or playful.




Joe Saul-Sehy and Emily Guy Birken rightfully see this type of “serious money attitude” as a mistake that should be avoided at all costs. Every financial guru, expert, or leader in the field has made money mistakes, stressed about money, and finally overcame to accomplish greatness. This is exactly what Joe and Emily want you to accomplish through their new book Stacked: Your Super-Serious Guide to Modern Money Management.




Joe and Emily threw out the old-fashioned mentality about money having to be a serious subject. Instead, they littered their new book with humorous anecdotes, financial innuendo, and lessons that will allow you, your child, your spouse,]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>260: Finance Friday: How to Hit $10M Net Worth in 10 Years (Or Less)</title>
	<link>https://biggerpocketsmoney.com/podcast/260-finance-friday-how-to-hit-10m-net-worth-in-10-years-or-less/</link>
	<pubDate>Fri, 24 Dec 2021 07:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">gid://art19-episode-locator/V0/iSmu3iL8MLK6CSQZxER2OhrVkGOhILvgB_MFiaGgFSk</guid>
	<description><![CDATA[Stocks vs. real estate is a regular feud among many financially savvy forums on the internet. While some investors love the passive aspect of stocks, other investors love the tax savings and flexibility of real estate. Regardless of your preferred asset, it’s better to stick your hard-earned money in something that makes money for you, instead of spending it or letting it sit.




Our guest today, Madison, is having trouble deciding which asset class she and her husband are best suited for. They have high-income jobs, a great net worth for their age, and just moved from the expensive San Francisco Bay Area to far more reasonable Texas. They’ll have a lot more money to stash away without the high rent, gas prices, or child care they had in California.




But neither Madison nor her husband have plans to retire early, so should they even plan for early retirement? Scott and Mindy walk Madison through her multiple different investing options, along with giving her the structure to formulate a three, five, and ten-year plan for wealth building and financial freedom. We may hear back from Madison very soon on the progress she’s made!




In This Episode We Cover

Why relocating to another state can be a massive savings lever 

Understanding when you want to retire and how your assets play a part in retirement 

Putting in your “500 hours” to any asset you truly have an interest in 

Turning your primary residence into a rental property after you upgrade 

Stock investing vs. real estate and the pros and cons of both

Reducing your spending so you can save (and invest) much more

And So Much More!]]></description>
	<itunes:subtitle><![CDATA[Stocks vs. real estate is a regular feud among many financially savvy forums on the internet. While some investors love the passive aspect of stocks, other investors love the tax savings and flexibility of real estate. Regardless of your preferred asset,]]></itunes:subtitle>
	<content:encoded><![CDATA[Stocks vs. real estate is a regular feud among many financially savvy forums on the internet. While some investors love the passive aspect of stocks, other investors love the tax savings and flexibility of real estate. Regardless of your preferred asset, it’s better to stick your hard-earned money in something that makes money for you, instead of spending it or letting it sit.




Our guest today, Madison, is having trouble deciding which asset class she and her husband are best suited for. They have high-income jobs, a great net worth for their age, and just moved from the expensive San Francisco Bay Area to far more reasonable Texas. They’ll have a lot more money to stash away without the high rent, gas prices, or child care they had in California.




But neither Madison nor her husband have plans to retire early, so should they even plan for early retirement? Scott and Mindy walk Madison through her multiple different investing options, along with giving her the structure to formulate a three, five, and ten-year plan for wealth building and financial freedom. We may hear back from Madison very soon on the progress she’s made!




In This Episode We Cover

Why relocating to another state can be a massive savings lever 

Understanding when you want to retire and how your assets play a part in retirement 

Putting in your “500 hours” to any asset you truly have an interest in 

Turning your primary residence into a rental property after you upgrade 

Stock investing vs. real estate and the pros and cons of both

Reducing your spending so you can save (and invest) much more

And So Much More!]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC4865311090.mp3" length="67726039" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[Stocks vs. real estate is a regular feud among many financially savvy forums on the internet. While some investors love the passive aspect of stocks, other investors love the tax savings and flexibility of real estate. Regardless of your preferred asset, it’s better to stick your hard-earned money in something that makes money for you, instead of spending it or letting it sit.




Our guest today, Madison, is having trouble deciding which asset class she and her husband are best suited for. They have high-income jobs, a great net worth for their age, and just moved from the expensive San Francisco Bay Area to far more reasonable Texas. They’ll have a lot more money to stash away without the high rent, gas prices, or child care they had in California.




But neither Madison nor her husband have plans to retire early, so should they even plan for early retirement? Scott and Mindy walk Madison through her multiple different investing options, along with giving her the structure to formulate a three, five, and ten-year plan for wealth building and financial freedom. We may hear back from Madison very soon on the progress she’s made!




In This Episode We Cover

Why relocating to another state can be a massive savings lever 

Understanding when you want to retire and how your assets play a part in retirement 

Putting in your “500 hours” to any asset you truly have an interest in 

Turning your primary residence into a rental property after you upgrade 

Stock investing vs. real estate and the pros and cons of both

Reducing your spending so you can save (and invest) much more

And So Much More!]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[Stocks vs. real estate is a regular feud among many financially savvy forums on the internet. While some investors love the passive aspect of stocks, other investors love the tax savings and flexibility of real estate. Regardless of your preferred asset, it’s better to stick your hard-earned money in something that makes money for you, instead of spending it or letting it sit.




Our guest today, Madison, is having trouble deciding which asset class she and her husband are best suited for. They have high-income jobs, a great net worth for their age, and just moved from the expensive San Francisco Bay Area to far more reasonable Texas. They’ll have a lot more money to stash away without the high rent, gas prices, or child care they had in California.




But neither Madison nor her husband have plans to retire early, so should they even plan for early retirement? Scott and Mindy walk Madison through her multiple different investing options, along with giving her the structure to formu]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>259: Pensions 101: Are Pensions Worth It? w/ Grumpus Maximus</title>
	<link>https://biggerpocketsmoney.com/podcast/259-pensions-101-are-pensions-worth-it-w-grumpus-maximus/</link>
	<pubDate>Mon, 20 Dec 2021 07:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">gid://art19-episode-locator/V0/2osHnS2PTUB6E3qowlLM-tm6wgh_swJlppD2E4Lskck</guid>
	<description><![CDATA[If you need pension funds explained, there’s no better person to talk to than the internet’s leading voice on all things pensions and retirement, Grumpus Maximus. After spending twenty or so years in the military, Grumpus began to put his health, happiness, and passions first. Now, retired with plenty of money coming in (thanks to pensions and retirement accounts), Grumpus spends his time blogging and helping others ask the meaningful question, “is my pension worth it?”




Guest co-host Joe Saul-Sehy from the Stacking Benjamins podcast is here to help Mindy tee up some pension-related questions for Grumpus. Whether or not you have a job offering a pension or you’re debating accepting a job with a pension, the research-based questions asked today will help you evaluate whether or not a pension is truly worth it. 




You’ll hear about the safety of pensions, healthcare-impacted pensions, annuities, and Cost-of-Living Adjustments (COLA) so you can make the best possible decision regarding your (early) retirement plans!




In This Episode We Cover

“Cashing out” of a pension and what to do with the money

Understanding the healthcare implications that come with leaving a pension 

Which industries have the riskiest pension plans

Is an annuity ever worth the fees? 

Researching your pension and understanding the benefits 

How to analyze the safety of an organization’s pension plan 

And So Much More!]]></description>
	<itunes:subtitle><![CDATA[If you need pension funds explained, there’s no better person to talk to than the internet’s leading voice on all things pensions and retirement, Grumpus Maximus. After spending twenty or so years in the military, Grumpus began to put his health, happine]]></itunes:subtitle>
	<content:encoded><![CDATA[If you need pension funds explained, there’s no better person to talk to than the internet’s leading voice on all things pensions and retirement, Grumpus Maximus. After spending twenty or so years in the military, Grumpus began to put his health, happiness, and passions first. Now, retired with plenty of money coming in (thanks to pensions and retirement accounts), Grumpus spends his time blogging and helping others ask the meaningful question, “is my pension worth it?”




Guest co-host Joe Saul-Sehy from the Stacking Benjamins podcast is here to help Mindy tee up some pension-related questions for Grumpus. Whether or not you have a job offering a pension or you’re debating accepting a job with a pension, the research-based questions asked today will help you evaluate whether or not a pension is truly worth it. 




You’ll hear about the safety of pensions, healthcare-impacted pensions, annuities, and Cost-of-Living Adjustments (COLA) so you can make the best possible decision regarding your (early) retirement plans!




In This Episode We Cover

“Cashing out” of a pension and what to do with the money

Understanding the healthcare implications that come with leaving a pension 

Which industries have the riskiest pension plans

Is an annuity ever worth the fees? 

Researching your pension and understanding the benefits 

How to analyze the safety of an organization’s pension plan 

And So Much More!]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC1358973507.mp3" length="76616136" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[If you need pension funds explained, there’s no better person to talk to than the internet’s leading voice on all things pensions and retirement, Grumpus Maximus. After spending twenty or so years in the military, Grumpus began to put his health, happiness, and passions first. Now, retired with plenty of money coming in (thanks to pensions and retirement accounts), Grumpus spends his time blogging and helping others ask the meaningful question, “is my pension worth it?”




Guest co-host Joe Saul-Sehy from the Stacking Benjamins podcast is here to help Mindy tee up some pension-related questions for Grumpus. Whether or not you have a job offering a pension or you’re debating accepting a job with a pension, the research-based questions asked today will help you evaluate whether or not a pension is truly worth it. 




You’ll hear about the safety of pensions, healthcare-impacted pensions, annuities, and Cost-of-Living Adjustments (COLA) so you can make the best possible decision regarding your (early) retirement plans!




In This Episode We Cover

“Cashing out” of a pension and what to do with the money

Understanding the healthcare implications that come with leaving a pension 

Which industries have the riskiest pension plans

Is an annuity ever worth the fees? 

Researching your pension and understanding the benefits 

How to analyze the safety of an organization’s pension plan 

And So Much More!]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[If you need pension funds explained, there’s no better person to talk to than the internet’s leading voice on all things pensions and retirement, Grumpus Maximus. After spending twenty or so years in the military, Grumpus began to put his health, happiness, and passions first. Now, retired with plenty of money coming in (thanks to pensions and retirement accounts), Grumpus spends his time blogging and helping others ask the meaningful question, “is my pension worth it?”




Guest co-host Joe Saul-Sehy from the Stacking Benjamins podcast is here to help Mindy tee up some pension-related questions for Grumpus. Whether or not you have a job offering a pension or you’re debating accepting a job with a pension, the research-based questions asked today will help you evaluate whether or not a pension is truly worth it. 




You’ll hear about the safety of pensions, healthcare-impacted pensions, annuities, and Cost-of-Living Adjustments (COLA) so you can make the best possible decision regard]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>258: Finance Friday: Are “High Cash Flow” Rentals Still Realistic in 2022?</title>
	<link>https://biggerpocketsmoney.com/podcast/258-finance-friday-are-high-cash-flow-rentals-still-realistic-in-2022/</link>
	<pubDate>Fri, 17 Dec 2021 07:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">gid://art19-episode-locator/V0/f9dqESopduhGwPq3uVXDiVrEE75SvZtXPPwufCKUxtk</guid>
	<description><![CDATA[A common debate in real estate is cash flow vs. appreciation. While some investors rely on their rental property income to reach FI, others argue that appreciation will provide them the equity gain to truly build wealth. You’ll hear this discussion in-depth on today’s episode as guest Jackeline walks Mindy and Scott through her $20,000 rental property in Northern Illinois. 




Jackeline is already doing well in other aspects of her life. She’s got a high net worth, with fully-funded retirement accounts and a big cash cushion, but she wants to reach FI by 45 so she has the option to retire. One of the best ways to do that? Cash flowing rentals! The only problem is that Jackeline is buying these rentals in a less-than-optimal area.




With rentals in C or D-class neighborhoods, you can count on more tenant problems, repairs, and headaches. But, these downsides come with the big upside of higher cash flow. Scott and Mindy both help Jackeline balance the scales on what is most important to her: buying in an appreciating market but using more of her cash or continuing to purchase low-cost, riskier rental properties. 




In This Episode We Cover

Building multiple financial safety nets between retirement accounts, cash, and cash flow 

Buying rentals in C to D-class neighborhoods and the pros/cons associated with them

Properly screening tenants to minimize turnover and maximize ROI

Experimenting with different rental property classes to find a strategy that works for you

Finding your real estate tribe and networking with others who can help you grow

1031-ing a property to avoid a tax penalty and grow your real estate portfolio

And So Much More!]]></description>
	<itunes:subtitle><![CDATA[A common debate in real estate is cash flow vs. appreciation. While some investors rely on their rental property income to reach FI, others argue that appreciation will provide them the equity gain to truly build wealth. You’ll hear this discussion in-de]]></itunes:subtitle>
	<content:encoded><![CDATA[A common debate in real estate is cash flow vs. appreciation. While some investors rely on their rental property income to reach FI, others argue that appreciation will provide them the equity gain to truly build wealth. You’ll hear this discussion in-depth on today’s episode as guest Jackeline walks Mindy and Scott through her $20,000 rental property in Northern Illinois. 




Jackeline is already doing well in other aspects of her life. She’s got a high net worth, with fully-funded retirement accounts and a big cash cushion, but she wants to reach FI by 45 so she has the option to retire. One of the best ways to do that? Cash flowing rentals! The only problem is that Jackeline is buying these rentals in a less-than-optimal area.




With rentals in C or D-class neighborhoods, you can count on more tenant problems, repairs, and headaches. But, these downsides come with the big upside of higher cash flow. Scott and Mindy both help Jackeline balance the scales on what is most important to her: buying in an appreciating market but using more of her cash or continuing to purchase low-cost, riskier rental properties. 




In This Episode We Cover

Building multiple financial safety nets between retirement accounts, cash, and cash flow 

Buying rentals in C to D-class neighborhoods and the pros/cons associated with them

Properly screening tenants to minimize turnover and maximize ROI

Experimenting with different rental property classes to find a strategy that works for you

Finding your real estate tribe and networking with others who can help you grow

1031-ing a property to avoid a tax penalty and grow your real estate portfolio

And So Much More!]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC1114849773.mp3" length="72148832" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[A common debate in real estate is cash flow vs. appreciation. While some investors rely on their rental property income to reach FI, others argue that appreciation will provide them the equity gain to truly build wealth. You’ll hear this discussion in-depth on today’s episode as guest Jackeline walks Mindy and Scott through her $20,000 rental property in Northern Illinois. 




Jackeline is already doing well in other aspects of her life. She’s got a high net worth, with fully-funded retirement accounts and a big cash cushion, but she wants to reach FI by 45 so she has the option to retire. One of the best ways to do that? Cash flowing rentals! The only problem is that Jackeline is buying these rentals in a less-than-optimal area.




With rentals in C or D-class neighborhoods, you can count on more tenant problems, repairs, and headaches. But, these downsides come with the big upside of higher cash flow. Scott and Mindy both help Jackeline balance the scales on what is most important to her: buying in an appreciating market but using more of her cash or continuing to purchase low-cost, riskier rental properties. 




In This Episode We Cover

Building multiple financial safety nets between retirement accounts, cash, and cash flow 

Buying rentals in C to D-class neighborhoods and the pros/cons associated with them

Properly screening tenants to minimize turnover and maximize ROI

Experimenting with different rental property classes to find a strategy that works for you

Finding your real estate tribe and networking with others who can help you grow

1031-ing a property to avoid a tax penalty and grow your real estate portfolio

And So Much More!]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[A common debate in real estate is cash flow vs. appreciation. While some investors rely on their rental property income to reach FI, others argue that appreciation will provide them the equity gain to truly build wealth. You’ll hear this discussion in-depth on today’s episode as guest Jackeline walks Mindy and Scott through her $20,000 rental property in Northern Illinois. 




Jackeline is already doing well in other aspects of her life. She’s got a high net worth, with fully-funded retirement accounts and a big cash cushion, but she wants to reach FI by 45 so she has the option to retire. One of the best ways to do that? Cash flowing rentals! The only problem is that Jackeline is buying these rentals in a less-than-optimal area.




With rentals in C or D-class neighborhoods, you can count on more tenant problems, repairs, and headaches. But, these downsides come with the big upside of higher cash flow. Scott and Mindy both help Jackeline balance the scales on what is most important]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>257: 20 Year-Old Minimum Wage Marine with $850k in Real Estate</title>
	<link>https://biggerpocketsmoney.com/podcast/257-20-year-old-minimum-wage-marine-with-850k-in-real-estate/</link>
	<pubDate>Mon, 13 Dec 2021 07:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">gid://art19-episode-locator/V0/-4sjbMo9Ol0J6sByPJbcPQtxEYUayd4WK87ueNdO2D0</guid>
	<description><![CDATA[We have a lot of impressive guests on the show, and they just seem to get younger with every new episode. You’ve heard the stories of people in their twenties buying rentals, people in their thirties hitting coast FI, and people in their forties and beyond making many, many millions. But, what about a marine recruit, making a low salary, buying more than $800k in real estate within his second decade on earth? Now that sounds like an interesting story.




Jabbar Adesada fits the bill exactly! After moving in with his father, he was given strict instruction to read books like Rich Dad Poor Dad, I Will Teach You To Be Rich, and Automatic Millionaire. Jabbar decided to put down his NBA/med school dreams and open up a brokerage account. Lucky for him, right around the time he started investing was the 2020 stock market crash, giving him all the discount he needed to make his first profits.




After running some “when will I be a millionaire?” scenarios, Jabbar realized that real estate, and not the stock market, was the best path to financial independence. Jabbar shares the story of how he was able to find funding, a down payment, and a property that would allow him to house hack, Craige Curelop style. Not only that, Jabbar just closed on a short-term rental in the Smoky Mountains, which puts his real estate portfolio north of $800k! Let’s mention this again: He’s twenty years old! 




In This Episode We Cover

Why early financial education can make or break your child’s path to success

The best finance books that you (or your child, cousin, niece, or nephew) should read 

Why crashes aren’t a sign to panic, but a sign to buy more

House hacking at a young age, and how to get pre-approved for loans without an extensive job history 

Having an “obsessive mindset to be wealthy” and using it to help not only yourself but others

Practicing delayed gratification and building a brighter future with each investment

And So Much More!]]></description>
	<itunes:subtitle><![CDATA[We have a lot of impressive guests on the show, and they just seem to get younger with every new episode. You’ve heard the stories of people in their twenties buying rentals, people in their thirties hitting coast FI, and people in their forties and beyo]]></itunes:subtitle>
	<content:encoded><![CDATA[We have a lot of impressive guests on the show, and they just seem to get younger with every new episode. You’ve heard the stories of people in their twenties buying rentals, people in their thirties hitting coast FI, and people in their forties and beyond making many, many millions. But, what about a marine recruit, making a low salary, buying more than $800k in real estate within his second decade on earth? Now that sounds like an interesting story.




Jabbar Adesada fits the bill exactly! After moving in with his father, he was given strict instruction to read books like Rich Dad Poor Dad, I Will Teach You To Be Rich, and Automatic Millionaire. Jabbar decided to put down his NBA/med school dreams and open up a brokerage account. Lucky for him, right around the time he started investing was the 2020 stock market crash, giving him all the discount he needed to make his first profits.




After running some “when will I be a millionaire?” scenarios, Jabbar realized that real estate, and not the stock market, was the best path to financial independence. Jabbar shares the story of how he was able to find funding, a down payment, and a property that would allow him to house hack, Craige Curelop style. Not only that, Jabbar just closed on a short-term rental in the Smoky Mountains, which puts his real estate portfolio north of $800k! Let’s mention this again: He’s twenty years old! 




In This Episode We Cover

Why early financial education can make or break your child’s path to success

The best finance books that you (or your child, cousin, niece, or nephew) should read 

Why crashes aren’t a sign to panic, but a sign to buy more

House hacking at a young age, and how to get pre-approved for loans without an extensive job history 

Having an “obsessive mindset to be wealthy” and using it to help not only yourself but others

Practicing delayed gratification and building a brighter future with each investment

And So Much More!]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC7531327053.mp3" length="89695335" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[We have a lot of impressive guests on the show, and they just seem to get younger with every new episode. You’ve heard the stories of people in their twenties buying rentals, people in their thirties hitting coast FI, and people in their forties and beyond making many, many millions. But, what about a marine recruit, making a low salary, buying more than $800k in real estate within his second decade on earth? Now that sounds like an interesting story.




Jabbar Adesada fits the bill exactly! After moving in with his father, he was given strict instruction to read books like Rich Dad Poor Dad, I Will Teach You To Be Rich, and Automatic Millionaire. Jabbar decided to put down his NBA/med school dreams and open up a brokerage account. Lucky for him, right around the time he started investing was the 2020 stock market crash, giving him all the discount he needed to make his first profits.




After running some “when will I be a millionaire?” scenarios, Jabbar realized that real estate, and not the stock market, was the best path to financial independence. Jabbar shares the story of how he was able to find funding, a down payment, and a property that would allow him to house hack, Craige Curelop style. Not only that, Jabbar just closed on a short-term rental in the Smoky Mountains, which puts his real estate portfolio north of $800k! Let’s mention this again: He’s twenty years old! 




In This Episode We Cover

Why early financial education can make or break your child’s path to success

The best finance books that you (or your child, cousin, niece, or nephew) should read 

Why crashes aren’t a sign to panic, but a sign to buy more

House hacking at a young age, and how to get pre-approved for loans without an extensive job history 

Having an “obsessive mindset to be wealthy” and using it to help not only yourself but others

Practicing delayed gratification and building a brighter future with each investment

And So Much More!]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[We have a lot of impressive guests on the show, and they just seem to get younger with every new episode. You’ve heard the stories of people in their twenties buying rentals, people in their thirties hitting coast FI, and people in their forties and beyond making many, many millions. But, what about a marine recruit, making a low salary, buying more than $800k in real estate within his second decade on earth? Now that sounds like an interesting story.




Jabbar Adesada fits the bill exactly! After moving in with his father, he was given strict instruction to read books like Rich Dad Poor Dad, I Will Teach You To Be Rich, and Automatic Millionaire. Jabbar decided to put down his NBA/med school dreams and open up a brokerage account. Lucky for him, right around the time he started investing was the 2020 stock market crash, giving him all the discount he needed to make his first profits.




After running some “when will I be a millionaire?” scenarios, Jabbar realized that real estate, ]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>256: Finance Friday: Financial Independence in 5 Years w/ Short-Term Rentals</title>
	<link>https://biggerpocketsmoney.com/podcast/256-finance-friday-financial-independence-in-5-years-w-short-term-rentals/</link>
	<pubDate>Fri, 10 Dec 2021 07:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">gid://art19-episode-locator/V0/D-ZTofrHlzr6uKH5VigRZy3HHd7GanSOd7De4qWF6FA</guid>
	<description><![CDATA[There are many ways to fund your nest egg. You could outright save, or you could invest in index funds, rental properties, or short-term rentals like today’s guest, Charlotte from Charlotte. Working as a teacher in one of the lowest-paid states in the US, Charlotte was able to fully replace her teacher’s salary by operating a single short-term rental cabin in Western North Carolina.




When she discovered the FIRE Movement only a year ago, she knew that intelligent investments like this could fund the globetrotting adventures she and her husband had plans for. But, with her husband four years away from securing his government pension, Charlotte wants to be absolutely sure that her short-term rentals will be pulling the fiscal weight of word travel when he steps away from his job.




Charlotte may be a rookie in the terms of real estate investing, but she’s far from it when it comes to taking actionable steps to ensure phenomenal returns. She’ll be hitting a 100% cash-on-cash return with her newest rental addition! If you have dreams of early retirement through real estate, follow Charlotte’s lead by planning, executing, and financing to FI!




In This Episode We Cover

The phenomenal returns of short-term rentals and why now may be the best time to invest

How to plan for retirement with a pension or predictable income stream 

Investing in index funds vs. real estate when trying to hit FI

Vacation home, second home, and portfolio loans for your next short-term rental

Why the high price of STR property management may be worth the peace of mind

And So Much More!]]></description>
	<itunes:subtitle><![CDATA[There are many ways to fund your nest egg. You could outright save, or you could invest in index funds, rental properties, or short-term rentals like today’s guest, Charlotte from Charlotte. Working as a teacher in one of the lowest-paid states in the US]]></itunes:subtitle>
	<content:encoded><![CDATA[There are many ways to fund your nest egg. You could outright save, or you could invest in index funds, rental properties, or short-term rentals like today’s guest, Charlotte from Charlotte. Working as a teacher in one of the lowest-paid states in the US, Charlotte was able to fully replace her teacher’s salary by operating a single short-term rental cabin in Western North Carolina.




When she discovered the FIRE Movement only a year ago, she knew that intelligent investments like this could fund the globetrotting adventures she and her husband had plans for. But, with her husband four years away from securing his government pension, Charlotte wants to be absolutely sure that her short-term rentals will be pulling the fiscal weight of word travel when he steps away from his job.




Charlotte may be a rookie in the terms of real estate investing, but she’s far from it when it comes to taking actionable steps to ensure phenomenal returns. She’ll be hitting a 100% cash-on-cash return with her newest rental addition! If you have dreams of early retirement through real estate, follow Charlotte’s lead by planning, executing, and financing to FI!




In This Episode We Cover

The phenomenal returns of short-term rentals and why now may be the best time to invest

How to plan for retirement with a pension or predictable income stream 

Investing in index funds vs. real estate when trying to hit FI

Vacation home, second home, and portfolio loans for your next short-term rental

Why the high price of STR property management may be worth the peace of mind

And So Much More!]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC2533215157.mp3" length="68589886" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[There are many ways to fund your nest egg. You could outright save, or you could invest in index funds, rental properties, or short-term rentals like today’s guest, Charlotte from Charlotte. Working as a teacher in one of the lowest-paid states in the US, Charlotte was able to fully replace her teacher’s salary by operating a single short-term rental cabin in Western North Carolina.




When she discovered the FIRE Movement only a year ago, she knew that intelligent investments like this could fund the globetrotting adventures she and her husband had plans for. But, with her husband four years away from securing his government pension, Charlotte wants to be absolutely sure that her short-term rentals will be pulling the fiscal weight of word travel when he steps away from his job.




Charlotte may be a rookie in the terms of real estate investing, but she’s far from it when it comes to taking actionable steps to ensure phenomenal returns. She’ll be hitting a 100% cash-on-cash return with her newest rental addition! If you have dreams of early retirement through real estate, follow Charlotte’s lead by planning, executing, and financing to FI!




In This Episode We Cover

The phenomenal returns of short-term rentals and why now may be the best time to invest

How to plan for retirement with a pension or predictable income stream 

Investing in index funds vs. real estate when trying to hit FI

Vacation home, second home, and portfolio loans for your next short-term rental

Why the high price of STR property management may be worth the peace of mind

And So Much More!]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[There are many ways to fund your nest egg. You could outright save, or you could invest in index funds, rental properties, or short-term rentals like today’s guest, Charlotte from Charlotte. Working as a teacher in one of the lowest-paid states in the US, Charlotte was able to fully replace her teacher’s salary by operating a single short-term rental cabin in Western North Carolina.




When she discovered the FIRE Movement only a year ago, she knew that intelligent investments like this could fund the globetrotting adventures she and her husband had plans for. But, with her husband four years away from securing his government pension, Charlotte wants to be absolutely sure that her short-term rentals will be pulling the fiscal weight of word travel when he steps away from his job.




Charlotte may be a rookie in the terms of real estate investing, but she’s far from it when it comes to taking actionable steps to ensure phenomenal returns. She’ll be hitting a 100% cash-on-cash return ]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>255: Escaping The Rat Race Before Your First Job w/ Dan Sheeks</title>
	<link>https://biggerpocketsmoney.com/podcast/255-escaping-the-rat-race-before-your-first-job-w-dan-sheeks/</link>
	<pubDate>Mon, 06 Dec 2021 07:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">gid://art19-episode-locator/V0/wSuCq_pBxKthiwyoUIQxl2RNyBydPtG7RKaziMtHrrA</guid>
	<description><![CDATA[If you’ve been in the FI community for years, you know the ins and outs of retirement planning, index fund investing, house hacking, and every other money-making opportunity around. But, it’s safe to say that this took you years to figure out, sometimes well into adulthood. What if you were given the same knowledge you have now, but when you were a teenager?




Dan Sheeks is trying to do this exactly, by teaching his students about personal finance, saving, investing, and how they can plan for FI. Dan has taken his knowledge of finance, teaching, and working with teens to write First to a Million, a Teenager’s Guide to Achieving Financial Independence. In this book, Dan takes teens on a journey through the four mechanisms of financial independence and teaches them to plan money around what makes them happy.




So many teenagers have seen their parents run off to work only to come home exhausted, constantly checking emails, and rarely present with the family. Dan wants to make this all-too-real future a thing of the past for teens who are willing to work hard, be frugal, and practice financial discipline. 




In This Episode We Cover

Why The American Dream may be off-course for modern teens 

The financial independence “plan of attack” for teens who want to hit FI fast

Why happiness should be at the forefront of your financial decisions 

Whether or not college is still a viable choice for today’s modern working world 

The importance of having a strong community you can count on

And So Much More!]]></description>
	<itunes:subtitle><![CDATA[If you’ve been in the FI community for years, you know the ins and outs of retirement planning, index fund investing, house hacking, and every other money-making opportunity around. But, it’s safe to say that this took you years to figure out, sometimes ]]></itunes:subtitle>
	<content:encoded><![CDATA[If you’ve been in the FI community for years, you know the ins and outs of retirement planning, index fund investing, house hacking, and every other money-making opportunity around. But, it’s safe to say that this took you years to figure out, sometimes well into adulthood. What if you were given the same knowledge you have now, but when you were a teenager?




Dan Sheeks is trying to do this exactly, by teaching his students about personal finance, saving, investing, and how they can plan for FI. Dan has taken his knowledge of finance, teaching, and working with teens to write First to a Million, a Teenager’s Guide to Achieving Financial Independence. In this book, Dan takes teens on a journey through the four mechanisms of financial independence and teaches them to plan money around what makes them happy.




So many teenagers have seen their parents run off to work only to come home exhausted, constantly checking emails, and rarely present with the family. Dan wants to make this all-too-real future a thing of the past for teens who are willing to work hard, be frugal, and practice financial discipline. 




In This Episode We Cover

Why The American Dream may be off-course for modern teens 

The financial independence “plan of attack” for teens who want to hit FI fast

Why happiness should be at the forefront of your financial decisions 

Whether or not college is still a viable choice for today’s modern working world 

The importance of having a strong community you can count on

And So Much More!]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC7515495145.mp3" length="70519756" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[If you’ve been in the FI community for years, you know the ins and outs of retirement planning, index fund investing, house hacking, and every other money-making opportunity around. But, it’s safe to say that this took you years to figure out, sometimes well into adulthood. What if you were given the same knowledge you have now, but when you were a teenager?




Dan Sheeks is trying to do this exactly, by teaching his students about personal finance, saving, investing, and how they can plan for FI. Dan has taken his knowledge of finance, teaching, and working with teens to write First to a Million, a Teenager’s Guide to Achieving Financial Independence. In this book, Dan takes teens on a journey through the four mechanisms of financial independence and teaches them to plan money around what makes them happy.




So many teenagers have seen their parents run off to work only to come home exhausted, constantly checking emails, and rarely present with the family. Dan wants to make this all-too-real future a thing of the past for teens who are willing to work hard, be frugal, and practice financial discipline. 




In This Episode We Cover

Why The American Dream may be off-course for modern teens 

The financial independence “plan of attack” for teens who want to hit FI fast

Why happiness should be at the forefront of your financial decisions 

Whether or not college is still a viable choice for today’s modern working world 

The importance of having a strong community you can count on

And So Much More!]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[If you’ve been in the FI community for years, you know the ins and outs of retirement planning, index fund investing, house hacking, and every other money-making opportunity around. But, it’s safe to say that this took you years to figure out, sometimes well into adulthood. What if you were given the same knowledge you have now, but when you were a teenager?




Dan Sheeks is trying to do this exactly, by teaching his students about personal finance, saving, investing, and how they can plan for FI. Dan has taken his knowledge of finance, teaching, and working with teens to write First to a Million, a Teenager’s Guide to Achieving Financial Independence. In this book, Dan takes teens on a journey through the four mechanisms of financial independence and teaches them to plan money around what makes them happy.




So many teenagers have seen their parents run off to work only to come home exhausted, constantly checking emails, and rarely present with the family. Dan wants to make this a]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>254: Finance Follow-Ups: When to Scale Up (or Down) Your Real Estate Portfolio</title>
	<link>https://biggerpocketsmoney.com/podcast/254-finance-follow-ups-when-to-scale-up-or-down-your-real-estate-portfolio/</link>
	<pubDate>Fri, 03 Dec 2021 07:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">gid://art19-episode-locator/V0/IQslb8Ml_UYlTa3wVT1_aqsIcMUTQ9Ve67VKt0Vo3L4</guid>
	<description><![CDATA[We’re back with another Finance Friday Follow-Up! This week, we talk to two past guests and review three life updates. Fabio from episode 174, Clayton from episode 168, and Rachael from episode 190 all have life updates for the audience!




When we last talked to Fabio, he was starting to expand his real estate empire. Since the market has been so hot, he has had to pivot his strategy towards what works best for him in the long term. With a few years of military service left, Fabio wants to wind down his more active income and pursue more passive income streams, while still including real estate and stocks/index funds in the mix!




Clayton shared with us on his solo episode how lucrative living on the road can be. Since then, his girlfriend has turned into his fiancé, he’s been offered a very large pay raise, and he has scaled his real estate portfolio with one more house hack. He also gets to take his foot off the literal gas pedal since he’ll be transitioning into a more stay-at-home role.




Rachael wasn’t able to be here for a video interview but sent Mindy an update on her overall financial situation. Since we last talked, Rachael realized that house hacking wouldn’t be exactly the right fit for her family. Thankfully, she’ll be closing on a new home closer to her children. Rachael also found herself in a particularly scary financial and medical situation since we last talked, something that you’ll hear about in-depth on a new episode in the coming months!




In This Episode We Cover

When is the right time to sell a property, especially in a hot seller’s market?

Paying off high-interest debt so you can reach financial independence faster

The importance of budgeting and expense tracking so you don’t impulse buy

ESPPs (employee stock purchase plans), HSA (health savings accounts), and other lucrative investing options 

Sharing the financial knowledge with your significant other in case of an emergency

And So Much More!]]></description>
	<itunes:subtitle><![CDATA[We’re back with another Finance Friday Follow-Up! This week, we talk to two past guests and review three life updates. Fabio from episode 174, Clayton from episode 168, and Rachael from episode 190 all have life updates for the audience!




When we last]]></itunes:subtitle>
	<content:encoded><![CDATA[We’re back with another Finance Friday Follow-Up! This week, we talk to two past guests and review three life updates. Fabio from episode 174, Clayton from episode 168, and Rachael from episode 190 all have life updates for the audience!




When we last talked to Fabio, he was starting to expand his real estate empire. Since the market has been so hot, he has had to pivot his strategy towards what works best for him in the long term. With a few years of military service left, Fabio wants to wind down his more active income and pursue more passive income streams, while still including real estate and stocks/index funds in the mix!




Clayton shared with us on his solo episode how lucrative living on the road can be. Since then, his girlfriend has turned into his fiancé, he’s been offered a very large pay raise, and he has scaled his real estate portfolio with one more house hack. He also gets to take his foot off the literal gas pedal since he’ll be transitioning into a more stay-at-home role.




Rachael wasn’t able to be here for a video interview but sent Mindy an update on her overall financial situation. Since we last talked, Rachael realized that house hacking wouldn’t be exactly the right fit for her family. Thankfully, she’ll be closing on a new home closer to her children. Rachael also found herself in a particularly scary financial and medical situation since we last talked, something that you’ll hear about in-depth on a new episode in the coming months!




In This Episode We Cover

When is the right time to sell a property, especially in a hot seller’s market?

Paying off high-interest debt so you can reach financial independence faster

The importance of budgeting and expense tracking so you don’t impulse buy

ESPPs (employee stock purchase plans), HSA (health savings accounts), and other lucrative investing options 

Sharing the financial knowledge with your significant other in case of an emergency

And So Much More!]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC8909363854.mp3" length="51614983" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[We’re back with another Finance Friday Follow-Up! This week, we talk to two past guests and review three life updates. Fabio from episode 174, Clayton from episode 168, and Rachael from episode 190 all have life updates for the audience!




When we last talked to Fabio, he was starting to expand his real estate empire. Since the market has been so hot, he has had to pivot his strategy towards what works best for him in the long term. With a few years of military service left, Fabio wants to wind down his more active income and pursue more passive income streams, while still including real estate and stocks/index funds in the mix!




Clayton shared with us on his solo episode how lucrative living on the road can be. Since then, his girlfriend has turned into his fiancé, he’s been offered a very large pay raise, and he has scaled his real estate portfolio with one more house hack. He also gets to take his foot off the literal gas pedal since he’ll be transitioning into a more stay-at-home role.




Rachael wasn’t able to be here for a video interview but sent Mindy an update on her overall financial situation. Since we last talked, Rachael realized that house hacking wouldn’t be exactly the right fit for her family. Thankfully, she’ll be closing on a new home closer to her children. Rachael also found herself in a particularly scary financial and medical situation since we last talked, something that you’ll hear about in-depth on a new episode in the coming months!




In This Episode We Cover

When is the right time to sell a property, especially in a hot seller’s market?

Paying off high-interest debt so you can reach financial independence faster

The importance of budgeting and expense tracking so you don’t impulse buy

ESPPs (employee stock purchase plans), HSA (health savings accounts), and other lucrative investing options 

Sharing the financial knowledge with your significant other in case of an emergency

And So Much More!]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[We’re back with another Finance Friday Follow-Up! This week, we talk to two past guests and review three life updates. Fabio from episode 174, Clayton from episode 168, and Rachael from episode 190 all have life updates for the audience!




When we last talked to Fabio, he was starting to expand his real estate empire. Since the market has been so hot, he has had to pivot his strategy towards what works best for him in the long term. With a few years of military service left, Fabio wants to wind down his more active income and pursue more passive income streams, while still including real estate and stocks/index funds in the mix!




Clayton shared with us on his solo episode how lucrative living on the road can be. Since then, his girlfriend has turned into his fiancé, he’s been offered a very large pay raise, and he has scaled his real estate portfolio with one more house hack. He also gets to take his foot off the literal gas pedal since he’ll be transitioning into a more stay-at-]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>253: 7-Figure Net Worth on a Middle-Class Salary w/ Adam Zaleski</title>
	<link>https://biggerpocketsmoney.com/podcast/253-7-figure-net-worth-on-a-middle-class-salary-w-adam-zaleski/</link>
	<pubDate>Mon, 29 Nov 2021 07:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">gid://art19-episode-locator/V0/7GK7k-4neZWNg3_jb5aEDd76mWzQI2Bb1LPDVI8i_LQ</guid>
	<description><![CDATA[On the last day of a semester in college, Adam Zaleski’s geology professor dropped a bomb on his class: the professor was worth a staggering $10,000,000! The reason for telling the students about his net worth wasn’t to impress but to make the case that exponential growth is more likely than most people think. This taught Adam that he needed to choose a profession he enjoyed so he could continue to work, invest, and grow his wealth exponentially, just like his professor. 




Adam did just that, and now, he’s a millionaire professor, working a casual thirty hours per week, doing what he loves! Adam knew from the beginning it was more important to make long-lasting, intelligent financial decisions, instead of chasing after a bigger salary. He did this right out of college, taking a serious pay cut to live in a state with far cheaper housing, allowing him to house hack, build wealth, and reach financial freedom.




Now, Adam is looking to expand his real estate empire a little further, without having to sacrifice a large amount of time to do so. If you’re interested in partnering up with Adam or looking to chat about long-distance real estate investing, market analysis, or the best surf spots in Kauai, shoot Adam a message on BiggerPockets!




In This Episode We Cover

Why lifestyle choices are important when choosing your job, house, and investments 

Understanding the value that comes with exponential wealth growth 

House hacking and analyzing real estate markets with the most growth opportunity 

Buying rentals in places you love, so you can write off the trip!

Scheduling your rent raises so you keep up with market cash flow 

The most important financial lessons of your 20s, 30s, and 40s

And So Much More!]]></description>
	<itunes:subtitle><![CDATA[On the last day of a semester in college, Adam Zaleski’s geology professor dropped a bomb on his class: the professor was worth a staggering $10,000,000! The reason for telling the students about his net worth wasn’t to impress but to make the case that ]]></itunes:subtitle>
	<content:encoded><![CDATA[On the last day of a semester in college, Adam Zaleski’s geology professor dropped a bomb on his class: the professor was worth a staggering $10,000,000! The reason for telling the students about his net worth wasn’t to impress but to make the case that exponential growth is more likely than most people think. This taught Adam that he needed to choose a profession he enjoyed so he could continue to work, invest, and grow his wealth exponentially, just like his professor. 




Adam did just that, and now, he’s a millionaire professor, working a casual thirty hours per week, doing what he loves! Adam knew from the beginning it was more important to make long-lasting, intelligent financial decisions, instead of chasing after a bigger salary. He did this right out of college, taking a serious pay cut to live in a state with far cheaper housing, allowing him to house hack, build wealth, and reach financial freedom.




Now, Adam is looking to expand his real estate empire a little further, without having to sacrifice a large amount of time to do so. If you’re interested in partnering up with Adam or looking to chat about long-distance real estate investing, market analysis, or the best surf spots in Kauai, shoot Adam a message on BiggerPockets!




In This Episode We Cover

Why lifestyle choices are important when choosing your job, house, and investments 

Understanding the value that comes with exponential wealth growth 

House hacking and analyzing real estate markets with the most growth opportunity 

Buying rentals in places you love, so you can write off the trip!

Scheduling your rent raises so you keep up with market cash flow 

The most important financial lessons of your 20s, 30s, and 40s

And So Much More!]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC1907617967.mp3" length="86909139" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[On the last day of a semester in college, Adam Zaleski’s geology professor dropped a bomb on his class: the professor was worth a staggering $10,000,000! The reason for telling the students about his net worth wasn’t to impress but to make the case that exponential growth is more likely than most people think. This taught Adam that he needed to choose a profession he enjoyed so he could continue to work, invest, and grow his wealth exponentially, just like his professor. 




Adam did just that, and now, he’s a millionaire professor, working a casual thirty hours per week, doing what he loves! Adam knew from the beginning it was more important to make long-lasting, intelligent financial decisions, instead of chasing after a bigger salary. He did this right out of college, taking a serious pay cut to live in a state with far cheaper housing, allowing him to house hack, build wealth, and reach financial freedom.




Now, Adam is looking to expand his real estate empire a little further, without having to sacrifice a large amount of time to do so. If you’re interested in partnering up with Adam or looking to chat about long-distance real estate investing, market analysis, or the best surf spots in Kauai, shoot Adam a message on BiggerPockets!




In This Episode We Cover

Why lifestyle choices are important when choosing your job, house, and investments 

Understanding the value that comes with exponential wealth growth 

House hacking and analyzing real estate markets with the most growth opportunity 

Buying rentals in places you love, so you can write off the trip!

Scheduling your rent raises so you keep up with market cash flow 

The most important financial lessons of your 20s, 30s, and 40s

And So Much More!]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[On the last day of a semester in college, Adam Zaleski’s geology professor dropped a bomb on his class: the professor was worth a staggering $10,000,000! The reason for telling the students about his net worth wasn’t to impress but to make the case that exponential growth is more likely than most people think. This taught Adam that he needed to choose a profession he enjoyed so he could continue to work, invest, and grow his wealth exponentially, just like his professor. 




Adam did just that, and now, he’s a millionaire professor, working a casual thirty hours per week, doing what he loves! Adam knew from the beginning it was more important to make long-lasting, intelligent financial decisions, instead of chasing after a bigger salary. He did this right out of college, taking a serious pay cut to live in a state with far cheaper housing, allowing him to house hack, build wealth, and reach financial freedom.




Now, Adam is looking to expand his real estate empire a little further,]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>252: Finance Friday: Self-Employed Revenue, Health Insurance, and Hiring</title>
	<link>https://biggerpocketsmoney.com/podcast/252-finance-friday-self-employed-revenue-health-insurance-and-hiring/</link>
	<pubDate>Fri, 26 Nov 2021 07:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">gid://art19-episode-locator/V0/KBhniii1tQDJRMIYpuzNB6jvikQUynT2PlNuS7IknMM</guid>
	<description><![CDATA[It takes a leap of faith to leave a W2 job and wander through the hills and valleys of self-employment. With the right skill set, time management, and perseverance, you can come out more profitable (and happier) than you were originally at your old job. But, once you succeed, it may be hard to slow down the self-employment train, and your side-gig could become a full-on business, with the need for employees.




TJ has put herself in a phenomenal position, both financially and income-wise. She left her job to become a full-time consultant but knows she won’t be able to expand without hiring her first employee. Her business would need an employee to bring in more revenue, BUT she needs more revenue to bring on an employee. What would you do in this situation?




Scott and Mindy have both spent time outsourcing and hiring before. They help TJ develop a roadmap to getting her first hire on board while keeping crucial revenue in the business. This episode also dives into self-employed health insurance, project management, and hiring a junior position that can grow into a senior in little time. 




In This Episode We Cover

Why it’s imperative to keep your costs low while trying to run a business 

What to do once you’ve hit your max capacity for work at your business 

Whether or not now is the time for you to hire your first employee

Fully mapping out the cost of a full-time vs. part-time worker on your team

Putting together a business plan that allows you to forecast your business’s future 

Health insurance while self-employed and why an HSA plan may be your best bet

And So Much More!]]></description>
	<itunes:subtitle><![CDATA[It takes a leap of faith to leave a W2 job and wander through the hills and valleys of self-employment. With the right skill set, time management, and perseverance, you can come out more profitable (and happier) than you were originally at your old job. ]]></itunes:subtitle>
	<content:encoded><![CDATA[It takes a leap of faith to leave a W2 job and wander through the hills and valleys of self-employment. With the right skill set, time management, and perseverance, you can come out more profitable (and happier) than you were originally at your old job. But, once you succeed, it may be hard to slow down the self-employment train, and your side-gig could become a full-on business, with the need for employees.




TJ has put herself in a phenomenal position, both financially and income-wise. She left her job to become a full-time consultant but knows she won’t be able to expand without hiring her first employee. Her business would need an employee to bring in more revenue, BUT she needs more revenue to bring on an employee. What would you do in this situation?




Scott and Mindy have both spent time outsourcing and hiring before. They help TJ develop a roadmap to getting her first hire on board while keeping crucial revenue in the business. This episode also dives into self-employed health insurance, project management, and hiring a junior position that can grow into a senior in little time. 




In This Episode We Cover

Why it’s imperative to keep your costs low while trying to run a business 

What to do once you’ve hit your max capacity for work at your business 

Whether or not now is the time for you to hire your first employee

Fully mapping out the cost of a full-time vs. part-time worker on your team

Putting together a business plan that allows you to forecast your business’s future 

Health insurance while self-employed and why an HSA plan may be your best bet

And So Much More!]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC8118040710.mp3" length="56718990" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[It takes a leap of faith to leave a W2 job and wander through the hills and valleys of self-employment. With the right skill set, time management, and perseverance, you can come out more profitable (and happier) than you were originally at your old job. But, once you succeed, it may be hard to slow down the self-employment train, and your side-gig could become a full-on business, with the need for employees.




TJ has put herself in a phenomenal position, both financially and income-wise. She left her job to become a full-time consultant but knows she won’t be able to expand without hiring her first employee. Her business would need an employee to bring in more revenue, BUT she needs more revenue to bring on an employee. What would you do in this situation?




Scott and Mindy have both spent time outsourcing and hiring before. They help TJ develop a roadmap to getting her first hire on board while keeping crucial revenue in the business. This episode also dives into self-employed health insurance, project management, and hiring a junior position that can grow into a senior in little time. 




In This Episode We Cover

Why it’s imperative to keep your costs low while trying to run a business 

What to do once you’ve hit your max capacity for work at your business 

Whether or not now is the time for you to hire your first employee

Fully mapping out the cost of a full-time vs. part-time worker on your team

Putting together a business plan that allows you to forecast your business’s future 

Health insurance while self-employed and why an HSA plan may be your best bet

And So Much More!]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[It takes a leap of faith to leave a W2 job and wander through the hills and valleys of self-employment. With the right skill set, time management, and perseverance, you can come out more profitable (and happier) than you were originally at your old job. But, once you succeed, it may be hard to slow down the self-employment train, and your side-gig could become a full-on business, with the need for employees.




TJ has put herself in a phenomenal position, both financially and income-wise. She left her job to become a full-time consultant but knows she won’t be able to expand without hiring her first employee. Her business would need an employee to bring in more revenue, BUT she needs more revenue to bring on an employee. What would you do in this situation?




Scott and Mindy have both spent time outsourcing and hiring before. They help TJ develop a roadmap to getting her first hire on board while keeping crucial revenue in the business. This episode also dives into self-employed he]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>251: Is College Worth the Cost? This 30,000 Variable Study Says &#8220;Sometimes&#8230;&#8221;</title>
	<link>https://biggerpocketsmoney.com/podcast/251-is-college-worth-the-cost-this-30000-variable-study-says-sometimes/</link>
	<pubDate>Mon, 22 Nov 2021 07:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">gid://art19-episode-locator/V0/Lxq-8m9iC3TbKcc3pm5vczzCXB82NLDrxPXATwVV4q8</guid>
	<description><![CDATA[Is college worth it? For the first time in history, we may have a definitive answer to whether or not your specific degree and school choice provides a positive ROI. We know that ROI isn’t the only thing that matters when choosing a degree, but when looking at higher education through a financial independence lens, it’s definitely the highest value.




Looking through census, employment, and Department of Education data is number crunching crusader, Preston Cooper. Preston and his team over at The Foundation for Research on Equal Opportunity put together the most extensive research on college degree ROI ever created. Preston’s findings allow you to parse through over 30,000 degrees and school choices so you (or your child) can make the best decision on where to get a bachelor's degree.




Preston discusses the discrepancies between nonprofit and for-profit university degrees, whether or not high-cost schools equal a higher payday through life, and why even going to Harvard doesn’t secure a high ROI. Want to know the true value of your degree? Tune in and check out Preston’s full study!




In This Episode We Cover

How much you could benefit, in general, from getting an undergraduate degree

The degrees that have the highest lifetime ROI

Degrees that offer little-to-no or negative financial benefit

Whether investing in real estate or a college degree is more worth it 

The biggest criticisms of Preston’s study and how he combats them 

Dave, Mindy, and Scott’s ROI on their respective degrees 

And So Much More!]]></description>
	<itunes:subtitle><![CDATA[Is college worth it? For the first time in history, we may have a definitive answer to whether or not your specific degree and school choice provides a positive ROI. We know that ROI isn’t the only thing that matters when choosing a degree, but when look]]></itunes:subtitle>
	<content:encoded><![CDATA[Is college worth it? For the first time in history, we may have a definitive answer to whether or not your specific degree and school choice provides a positive ROI. We know that ROI isn’t the only thing that matters when choosing a degree, but when looking at higher education through a financial independence lens, it’s definitely the highest value.




Looking through census, employment, and Department of Education data is number crunching crusader, Preston Cooper. Preston and his team over at The Foundation for Research on Equal Opportunity put together the most extensive research on college degree ROI ever created. Preston’s findings allow you to parse through over 30,000 degrees and school choices so you (or your child) can make the best decision on where to get a bachelor's degree.




Preston discusses the discrepancies between nonprofit and for-profit university degrees, whether or not high-cost schools equal a higher payday through life, and why even going to Harvard doesn’t secure a high ROI. Want to know the true value of your degree? Tune in and check out Preston’s full study!




In This Episode We Cover

How much you could benefit, in general, from getting an undergraduate degree

The degrees that have the highest lifetime ROI

Degrees that offer little-to-no or negative financial benefit

Whether investing in real estate or a college degree is more worth it 

The biggest criticisms of Preston’s study and how he combats them 

Dave, Mindy, and Scott’s ROI on their respective degrees 

And So Much More!]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC1195132813.mp3" length="81733653" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[Is college worth it? For the first time in history, we may have a definitive answer to whether or not your specific degree and school choice provides a positive ROI. We know that ROI isn’t the only thing that matters when choosing a degree, but when looking at higher education through a financial independence lens, it’s definitely the highest value.




Looking through census, employment, and Department of Education data is number crunching crusader, Preston Cooper. Preston and his team over at The Foundation for Research on Equal Opportunity put together the most extensive research on college degree ROI ever created. Preston’s findings allow you to parse through over 30,000 degrees and school choices so you (or your child) can make the best decision on where to get a bachelor's degree.




Preston discusses the discrepancies between nonprofit and for-profit university degrees, whether or not high-cost schools equal a higher payday through life, and why even going to Harvard doesn’t secure a high ROI. Want to know the true value of your degree? Tune in and check out Preston’s full study!




In This Episode We Cover

How much you could benefit, in general, from getting an undergraduate degree

The degrees that have the highest lifetime ROI

Degrees that offer little-to-no or negative financial benefit

Whether investing in real estate or a college degree is more worth it 

The biggest criticisms of Preston’s study and how he combats them 

Dave, Mindy, and Scott’s ROI on their respective degrees 

And So Much More!]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[Is college worth it? For the first time in history, we may have a definitive answer to whether or not your specific degree and school choice provides a positive ROI. We know that ROI isn’t the only thing that matters when choosing a degree, but when looking at higher education through a financial independence lens, it’s definitely the highest value.




Looking through census, employment, and Department of Education data is number crunching crusader, Preston Cooper. Preston and his team over at The Foundation for Research on Equal Opportunity put together the most extensive research on college degree ROI ever created. Preston’s findings allow you to parse through over 30,000 degrees and school choices so you (or your child) can make the best decision on where to get a bachelor's degree.




Preston discusses the discrepancies between nonprofit and for-profit university degrees, whether or not high-cost schools equal a higher payday through life, and why even going to Harvard doesn’t s]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>250: Finance Friday: Laying a Strong Financial Foundation in Only a Few Years</title>
	<link>https://biggerpocketsmoney.com/podcast/250-finance-friday-laying-a-strong-financial-foundation-in-only-a-few-years/</link>
	<pubDate>Fri, 19 Nov 2021 07:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">gid://art19-episode-locator/V0/tG-FL9PdYCY55xl0GjtoiPYGsJ7uv5P_EIuMDa2Tw9o</guid>
	<description><![CDATA[Everyone knows that tech salaries tend to be on the higher end. In tech, you could be working as an engineer, programmer, or statistician, like today’s guest Matthew. But, Matthew never planned to go to school for this type of work. Half a decade ago, Matthew was wearing a chef’s apron, working forty to sixty-hour weeks, making slightly above minimum wage. He loved the work (and the food) but realized he couldn’t keep living with the long hours, low wages, and high stress.




Mathew went back to school to study statistics and landed a job in tech, which he’s just recently moved on from, and accepted a far higher salary. This all sounds like good news, so what exactly is Matthew having trouble with?




After maxing out many of his retirement accounts, Matthew is wondering where else he should be putting his money. He’s already saving a significant amount every month, thanks to his frugal lifestyle, but wants to be sure he’s standing on a strong financial foundation. Should he look into rental properties, taxable brokerage accounts, or higher-risk assets like tech stocks and crypto? If you’re lucky enough to have a little extra change left over at the end of every month, you may be in Matthew’s position too!




In This Episode We Cover

Changing careers even after you’ve been working in the industry for years

What to do if you’re young and don’t know which field to study 

Keeping your expenses low, regardless of how well your job pays

Starting side businesses that can help you float expenses 

Investing in after-tax retirement accounts vs. investing in post-tax retirement accounts

Live in flip tips from the master herself (Mindy Jensen) 

Calculating out your estimated retirement nest egg using the ‘Rule of 72’

And So Much More!]]></description>
	<itunes:subtitle><![CDATA[Everyone knows that tech salaries tend to be on the higher end. In tech, you could be working as an engineer, programmer, or statistician, like today’s guest Matthew. But, Matthew never planned to go to school for this type of work. Half a decade ago, Ma]]></itunes:subtitle>
	<content:encoded><![CDATA[Everyone knows that tech salaries tend to be on the higher end. In tech, you could be working as an engineer, programmer, or statistician, like today’s guest Matthew. But, Matthew never planned to go to school for this type of work. Half a decade ago, Matthew was wearing a chef’s apron, working forty to sixty-hour weeks, making slightly above minimum wage. He loved the work (and the food) but realized he couldn’t keep living with the long hours, low wages, and high stress.




Mathew went back to school to study statistics and landed a job in tech, which he’s just recently moved on from, and accepted a far higher salary. This all sounds like good news, so what exactly is Matthew having trouble with?




After maxing out many of his retirement accounts, Matthew is wondering where else he should be putting his money. He’s already saving a significant amount every month, thanks to his frugal lifestyle, but wants to be sure he’s standing on a strong financial foundation. Should he look into rental properties, taxable brokerage accounts, or higher-risk assets like tech stocks and crypto? If you’re lucky enough to have a little extra change left over at the end of every month, you may be in Matthew’s position too!




In This Episode We Cover

Changing careers even after you’ve been working in the industry for years

What to do if you’re young and don’t know which field to study 

Keeping your expenses low, regardless of how well your job pays

Starting side businesses that can help you float expenses 

Investing in after-tax retirement accounts vs. investing in post-tax retirement accounts

Live in flip tips from the master herself (Mindy Jensen) 

Calculating out your estimated retirement nest egg using the ‘Rule of 72’

And So Much More!]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC6815198732.mp3" length="69772703" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[Everyone knows that tech salaries tend to be on the higher end. In tech, you could be working as an engineer, programmer, or statistician, like today’s guest Matthew. But, Matthew never planned to go to school for this type of work. Half a decade ago, Matthew was wearing a chef’s apron, working forty to sixty-hour weeks, making slightly above minimum wage. He loved the work (and the food) but realized he couldn’t keep living with the long hours, low wages, and high stress.




Mathew went back to school to study statistics and landed a job in tech, which he’s just recently moved on from, and accepted a far higher salary. This all sounds like good news, so what exactly is Matthew having trouble with?




After maxing out many of his retirement accounts, Matthew is wondering where else he should be putting his money. He’s already saving a significant amount every month, thanks to his frugal lifestyle, but wants to be sure he’s standing on a strong financial foundation. Should he look into rental properties, taxable brokerage accounts, or higher-risk assets like tech stocks and crypto? If you’re lucky enough to have a little extra change left over at the end of every month, you may be in Matthew’s position too!




In This Episode We Cover

Changing careers even after you’ve been working in the industry for years

What to do if you’re young and don’t know which field to study 

Keeping your expenses low, regardless of how well your job pays

Starting side businesses that can help you float expenses 

Investing in after-tax retirement accounts vs. investing in post-tax retirement accounts

Live in flip tips from the master herself (Mindy Jensen) 

Calculating out your estimated retirement nest egg using the ‘Rule of 72’

And So Much More!]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[Everyone knows that tech salaries tend to be on the higher end. In tech, you could be working as an engineer, programmer, or statistician, like today’s guest Matthew. But, Matthew never planned to go to school for this type of work. Half a decade ago, Matthew was wearing a chef’s apron, working forty to sixty-hour weeks, making slightly above minimum wage. He loved the work (and the food) but realized he couldn’t keep living with the long hours, low wages, and high stress.




Mathew went back to school to study statistics and landed a job in tech, which he’s just recently moved on from, and accepted a far higher salary. This all sounds like good news, so what exactly is Matthew having trouble with?




After maxing out many of his retirement accounts, Matthew is wondering where else he should be putting his money. He’s already saving a significant amount every month, thanks to his frugal lifestyle, but wants to be sure he’s standing on a strong financial foundation. Should he look in]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>249: The #1 Reason Side Hustles Fail to Become Businesses</title>
	<link>https://biggerpocketsmoney.com/podcast/249-the-1-reason-side-hustles-fail-to-become-businesses/</link>
	<pubDate>Mon, 15 Nov 2021 07:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">gid://art19-episode-locator/V0/FI0ODIguHByeBg1BsSRjqGmWN8jRqoOtNT7OjJrdGb8</guid>
	<description><![CDATA[You’ve heard the old statistic “nine out of ten businesses fail”, but why is that? If there are so many people willing to risk their livelihood to pursue a great idea, why do so many end up broke and back at a job? Gabe Nelson, certified financial planner and business advisor, has an idea. 




Gabe advises many business owners and solopreneurs through building their businesses with maximum cash flow and minimum time commitment.




A couple of decades ago, Gabe was in the position many entrepreneurs are in today. He was working seven days a week, almost living at the office, doing anything he could to build his business. Once his daughter was born, he knew he had to take a step back from the seven-day workweek. Then, his second and third daughter were born, forcing him to automate, delegate, and eliminate every unnecessary task on his plate. 




Now, with a thriving firm, Gabe knows what does (and doesn’t) work for solopreneurs, and the systems they need to implement now to secure a happy life tomorrow. 




In This Episode We Cover

The #1 thing you should do before you start a business or side hustle 

Keeping your relationships healthy while working long hours at your business

Outsourcing when you’re ready and growing a self-operating team 

Laying the groundwork of communication between you and your partner 

Managing cash flow in your business and keeping a healthy safety reserve

Trusting the “whispers” that your gut tells you about your business

And So Much More!]]></description>
	<itunes:subtitle><![CDATA[You’ve heard the old statistic “nine out of ten businesses fail”, but why is that? If there are so many people willing to risk their livelihood to pursue a great idea, why do so many end up broke and back at a job? Gabe Nelson, certified financial planne]]></itunes:subtitle>
	<content:encoded><![CDATA[You’ve heard the old statistic “nine out of ten businesses fail”, but why is that? If there are so many people willing to risk their livelihood to pursue a great idea, why do so many end up broke and back at a job? Gabe Nelson, certified financial planner and business advisor, has an idea. 




Gabe advises many business owners and solopreneurs through building their businesses with maximum cash flow and minimum time commitment.




A couple of decades ago, Gabe was in the position many entrepreneurs are in today. He was working seven days a week, almost living at the office, doing anything he could to build his business. Once his daughter was born, he knew he had to take a step back from the seven-day workweek. Then, his second and third daughter were born, forcing him to automate, delegate, and eliminate every unnecessary task on his plate. 




Now, with a thriving firm, Gabe knows what does (and doesn’t) work for solopreneurs, and the systems they need to implement now to secure a happy life tomorrow. 




In This Episode We Cover

The #1 thing you should do before you start a business or side hustle 

Keeping your relationships healthy while working long hours at your business

Outsourcing when you’re ready and growing a self-operating team 

Laying the groundwork of communication between you and your partner 

Managing cash flow in your business and keeping a healthy safety reserve

Trusting the “whispers” that your gut tells you about your business

And So Much More!]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC7593431081.mp3" length="57881757" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[You’ve heard the old statistic “nine out of ten businesses fail”, but why is that? If there are so many people willing to risk their livelihood to pursue a great idea, why do so many end up broke and back at a job? Gabe Nelson, certified financial planner and business advisor, has an idea. 




Gabe advises many business owners and solopreneurs through building their businesses with maximum cash flow and minimum time commitment.




A couple of decades ago, Gabe was in the position many entrepreneurs are in today. He was working seven days a week, almost living at the office, doing anything he could to build his business. Once his daughter was born, he knew he had to take a step back from the seven-day workweek. Then, his second and third daughter were born, forcing him to automate, delegate, and eliminate every unnecessary task on his plate. 




Now, with a thriving firm, Gabe knows what does (and doesn’t) work for solopreneurs, and the systems they need to implement now to secure a happy life tomorrow. 




In This Episode We Cover

The #1 thing you should do before you start a business or side hustle 

Keeping your relationships healthy while working long hours at your business

Outsourcing when you’re ready and growing a self-operating team 

Laying the groundwork of communication between you and your partner 

Managing cash flow in your business and keeping a healthy safety reserve

Trusting the “whispers” that your gut tells you about your business

And So Much More!]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[You’ve heard the old statistic “nine out of ten businesses fail”, but why is that? If there are so many people willing to risk their livelihood to pursue a great idea, why do so many end up broke and back at a job? Gabe Nelson, certified financial planner and business advisor, has an idea. 




Gabe advises many business owners and solopreneurs through building their businesses with maximum cash flow and minimum time commitment.




A couple of decades ago, Gabe was in the position many entrepreneurs are in today. He was working seven days a week, almost living at the office, doing anything he could to build his business. Once his daughter was born, he knew he had to take a step back from the seven-day workweek. Then, his second and third daughter were born, forcing him to automate, delegate, and eliminate every unnecessary task on his plate. 




Now, with a thriving firm, Gabe knows what does (and doesn’t) work for solopreneurs, and the systems they need to implement now to secure a]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>248: Finance Friday: I Just Got a Big Raise, What Should I Do With the Money?</title>
	<link>https://biggerpocketsmoney.com/podcast/248-finance-friday-i-just-got-a-big-raise-what-should-i-do-with-the-money/</link>
	<pubDate>Fri, 12 Nov 2021 07:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">gid://art19-episode-locator/V0/8qI09Oo0QR2BT-QHTlWPX2m8rUVTuKGpGOMLzaeCtJM</guid>
	<description><![CDATA[Your late 20s through early 30s can be a financially troubling part of life. You aren’t making the most money you ever will, but you’re tackling big expenses. A wedding, a down payment, and trying to max out retirement accounts can put you in a financial tizzy. But, it doesn’t have to be so complicated, especially if you stick to a scalable investment strategy.




Today’s guest Louise is in this position. She recently changed employers and found herself with a big uptick in monthly income. She has plans on the horizon to marry her girlfriend but knows this will come at the cost of many thousands of dollars (rings, dresses, etc.) She’s also looking at buying a primary residence, but is already familiar with the home buying experience (she has two rentals!) Louise has a plan to hit FI (or at least coast FI) by age 40 and wants to know the best way to optimize her finances to do so. 




Scott and Mindy have a healthy debate over 401ks, Roth IRAs, refinancing rental properties, and combining finances as partners, in order to get Louise in the best position possible to tackle her financial goals. 




In This Episode We Cover

Why switching jobs may be the ultimate hack to getting a better salary 

Whether you should max out your Roth, 401k, Roth 401k, or HSA

Getting a cash-out-refinance instead of stockpiling cash 

Whether or not paying off a rental property mortgage is a good idea

Renting vs. buying when living in an expensive market 

Combining finances as a couple and having the ever-important “money date”

And So Much More!]]></description>
	<itunes:subtitle><![CDATA[Your late 20s through early 30s can be a financially troubling part of life. You aren’t making the most money you ever will, but you’re tackling big expenses. A wedding, a down payment, and trying to max out retirement accounts can put you in a financial]]></itunes:subtitle>
	<content:encoded><![CDATA[Your late 20s through early 30s can be a financially troubling part of life. You aren’t making the most money you ever will, but you’re tackling big expenses. A wedding, a down payment, and trying to max out retirement accounts can put you in a financial tizzy. But, it doesn’t have to be so complicated, especially if you stick to a scalable investment strategy.




Today’s guest Louise is in this position. She recently changed employers and found herself with a big uptick in monthly income. She has plans on the horizon to marry her girlfriend but knows this will come at the cost of many thousands of dollars (rings, dresses, etc.) She’s also looking at buying a primary residence, but is already familiar with the home buying experience (she has two rentals!) Louise has a plan to hit FI (or at least coast FI) by age 40 and wants to know the best way to optimize her finances to do so. 




Scott and Mindy have a healthy debate over 401ks, Roth IRAs, refinancing rental properties, and combining finances as partners, in order to get Louise in the best position possible to tackle her financial goals. 




In This Episode We Cover

Why switching jobs may be the ultimate hack to getting a better salary 

Whether you should max out your Roth, 401k, Roth 401k, or HSA

Getting a cash-out-refinance instead of stockpiling cash 

Whether or not paying off a rental property mortgage is a good idea

Renting vs. buying when living in an expensive market 

Combining finances as a couple and having the ever-important “money date”

And So Much More!]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC7650108457.mp3" length="88697542" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[Your late 20s through early 30s can be a financially troubling part of life. You aren’t making the most money you ever will, but you’re tackling big expenses. A wedding, a down payment, and trying to max out retirement accounts can put you in a financial tizzy. But, it doesn’t have to be so complicated, especially if you stick to a scalable investment strategy.




Today’s guest Louise is in this position. She recently changed employers and found herself with a big uptick in monthly income. She has plans on the horizon to marry her girlfriend but knows this will come at the cost of many thousands of dollars (rings, dresses, etc.) She’s also looking at buying a primary residence, but is already familiar with the home buying experience (she has two rentals!) Louise has a plan to hit FI (or at least coast FI) by age 40 and wants to know the best way to optimize her finances to do so. 




Scott and Mindy have a healthy debate over 401ks, Roth IRAs, refinancing rental properties, and combining finances as partners, in order to get Louise in the best position possible to tackle her financial goals. 




In This Episode We Cover

Why switching jobs may be the ultimate hack to getting a better salary 

Whether you should max out your Roth, 401k, Roth 401k, or HSA

Getting a cash-out-refinance instead of stockpiling cash 

Whether or not paying off a rental property mortgage is a good idea

Renting vs. buying when living in an expensive market 

Combining finances as a couple and having the ever-important “money date”

And So Much More!]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[Your late 20s through early 30s can be a financially troubling part of life. You aren’t making the most money you ever will, but you’re tackling big expenses. A wedding, a down payment, and trying to max out retirement accounts can put you in a financial tizzy. But, it doesn’t have to be so complicated, especially if you stick to a scalable investment strategy.




Today’s guest Louise is in this position. She recently changed employers and found herself with a big uptick in monthly income. She has plans on the horizon to marry her girlfriend but knows this will come at the cost of many thousands of dollars (rings, dresses, etc.) She’s also looking at buying a primary residence, but is already familiar with the home buying experience (she has two rentals!) Louise has a plan to hit FI (or at least coast FI) by age 40 and wants to know the best way to optimize her finances to do so. 




Scott and Mindy have a healthy debate over 401ks, Roth IRAs, refinancing rental properties, and comb]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>247: Turning 31 Years of Financial Disaster into Ultimate Freedom w/ Alex Felice</title>
	<link>https://biggerpocketsmoney.com/podcast/247-turning-31-years-of-financial-disaster-into-ultimate-freedom-w-alex-felice/</link>
	<pubDate>Mon, 08 Nov 2021 07:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">gid://art19-episode-locator/V0/zc_tulk5SoW7gYJkPRoop4xQQAE3oy8VF66tuSPRMEQ</guid>
	<description><![CDATA[There are few people on this earth that can make Mindy laugh as much as Alex Felice. He’s been around the block with BiggerPockets a few times, appearing on episode 301 of the BiggerPockets Real Estate Podcast. Alex has a growing rental property portfolio, a flipping business, and is a professional photographer/videographer. But, beneath his success, was thirty-one years of financial struggle.




Alex was taught financial skills growing up. The only problem: he didn’t listen to any of the advice he was given. He joined the Army without any skills, and as soon as he got out, he immediately bought a new car with a high monthly payment. He then was hit with a DUI, forcing him to really think what his life would turn out like unless he made a change.




He needed cash flow but didn’t want to go out and get another job, so he settled on investing in real estate. It was important for Alex to have a “get rich slowly” type asset, one with stability that could take care of him well into retirement. Now, he’s amassed an impressive portfolio, with some large commercial deals and flips on the side. Alex spends his days investing, working on his skills, traveling, and really doing whatever he wants!




In This Episode We Cover

Why self-sustainability is more important than a big paycheck 

Using “radical responsibility” to mold your perfect life and never falling into the “it will be okay” trap

Buying foreclosures and BRRRRing properties to minimize cash needed for investing

Having control over your money so you have ultimate financial freedom

Why you MUST surround yourself with like-minded, successful individuals 

Focusing on your passions (regardless of whether they pay well or not)

And So Much More!]]></description>
	<itunes:subtitle><![CDATA[There are few people on this earth that can make Mindy laugh as much as Alex Felice. He’s been around the block with BiggerPockets a few times, appearing on episode 301 of the BiggerPockets Real Estate Podcast. Alex has a growing rental property portfoli]]></itunes:subtitle>
	<content:encoded><![CDATA[There are few people on this earth that can make Mindy laugh as much as Alex Felice. He’s been around the block with BiggerPockets a few times, appearing on episode 301 of the BiggerPockets Real Estate Podcast. Alex has a growing rental property portfolio, a flipping business, and is a professional photographer/videographer. But, beneath his success, was thirty-one years of financial struggle.




Alex was taught financial skills growing up. The only problem: he didn’t listen to any of the advice he was given. He joined the Army without any skills, and as soon as he got out, he immediately bought a new car with a high monthly payment. He then was hit with a DUI, forcing him to really think what his life would turn out like unless he made a change.




He needed cash flow but didn’t want to go out and get another job, so he settled on investing in real estate. It was important for Alex to have a “get rich slowly” type asset, one with stability that could take care of him well into retirement. Now, he’s amassed an impressive portfolio, with some large commercial deals and flips on the side. Alex spends his days investing, working on his skills, traveling, and really doing whatever he wants!




In This Episode We Cover

Why self-sustainability is more important than a big paycheck 

Using “radical responsibility” to mold your perfect life and never falling into the “it will be okay” trap

Buying foreclosures and BRRRRing properties to minimize cash needed for investing

Having control over your money so you have ultimate financial freedom

Why you MUST surround yourself with like-minded, successful individuals 

Focusing on your passions (regardless of whether they pay well or not)

And So Much More!]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC9070598033.mp3" length="82413195" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[There are few people on this earth that can make Mindy laugh as much as Alex Felice. He’s been around the block with BiggerPockets a few times, appearing on episode 301 of the BiggerPockets Real Estate Podcast. Alex has a growing rental property portfolio, a flipping business, and is a professional photographer/videographer. But, beneath his success, was thirty-one years of financial struggle.




Alex was taught financial skills growing up. The only problem: he didn’t listen to any of the advice he was given. He joined the Army without any skills, and as soon as he got out, he immediately bought a new car with a high monthly payment. He then was hit with a DUI, forcing him to really think what his life would turn out like unless he made a change.




He needed cash flow but didn’t want to go out and get another job, so he settled on investing in real estate. It was important for Alex to have a “get rich slowly” type asset, one with stability that could take care of him well into retirement. Now, he’s amassed an impressive portfolio, with some large commercial deals and flips on the side. Alex spends his days investing, working on his skills, traveling, and really doing whatever he wants!




In This Episode We Cover

Why self-sustainability is more important than a big paycheck 

Using “radical responsibility” to mold your perfect life and never falling into the “it will be okay” trap

Buying foreclosures and BRRRRing properties to minimize cash needed for investing

Having control over your money so you have ultimate financial freedom

Why you MUST surround yourself with like-minded, successful individuals 

Focusing on your passions (regardless of whether they pay well or not)

And So Much More!]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[There are few people on this earth that can make Mindy laugh as much as Alex Felice. He’s been around the block with BiggerPockets a few times, appearing on episode 301 of the BiggerPockets Real Estate Podcast. Alex has a growing rental property portfolio, a flipping business, and is a professional photographer/videographer. But, beneath his success, was thirty-one years of financial struggle.




Alex was taught financial skills growing up. The only problem: he didn’t listen to any of the advice he was given. He joined the Army without any skills, and as soon as he got out, he immediately bought a new car with a high monthly payment. He then was hit with a DUI, forcing him to really think what his life would turn out like unless he made a change.




He needed cash flow but didn’t want to go out and get another job, so he settled on investing in real estate. It was important for Alex to have a “get rich slowly” type asset, one with stability that could take care of him well into reti]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>246: Finance Friday: I Want to Cash Out My 401k Early, Should I?</title>
	<link>https://biggerpocketsmoney.com/podcast/246-finance-friday-i-want-to-cash-out-my-401k-early-should-i/</link>
	<pubDate>Fri, 05 Nov 2021 06:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">gid://art19-episode-locator/V0/bpaqVs8pzXmz3E5UK9qA72UCfE93hbjWJfz3djcVIn0</guid>
	<description><![CDATA[“Should I cash out my 401k?” That’s a question you never want to ask in an online financial independence forum. It’s been a well-known rule to never cash out retirement accounts due to withdrawal penalties, tax implications, and the possibility of throwing away your retirement plans. But, what if you had a substantially larger amount in real estate and other assets, what would you think then?




Kate is in this exact predicament and has done a phenomenal job at growing her wealth over the past decade. Kate and her husband have acquired $1.8 million in rental properties, bringing in gross rents of over $10,000 per month! She’s currently sitting on half a million dollars in rental property debt and is wondering whether cashing out her 401k to pay off the debt would make sense.




Because Kate is in such a high cash flow position, she may be asking a question that’s not so obvious. Mindy and Scott spend time walking through calculations that allow Kate to visualize what her life would look like with paid-off rentals as opposed to a fully-funded 401k account. 




In This Episode We Cover

Why a mentor can help spur you onto to make better, more aggressive investing decisions 

Moving to a different part of the country to take advantage of higher salaries

How to calculate whether or not you should withdraw your 401k funds 

Switching your job to a more flexible schedule without giving up your salary

Travel hacking and using credit card points to pay for your vacations

The benefit of using financing to buy your primary residence or rental properties

And So Much More!]]></description>
	<itunes:subtitle><![CDATA[“Should I cash out my 401k?” That’s a question you never want to ask in an online financial independence forum. It’s been a well-known rule to never cash out retirement accounts due to withdrawal penalties, tax implications, and the possibility of throwi]]></itunes:subtitle>
	<content:encoded><![CDATA[“Should I cash out my 401k?” That’s a question you never want to ask in an online financial independence forum. It’s been a well-known rule to never cash out retirement accounts due to withdrawal penalties, tax implications, and the possibility of throwing away your retirement plans. But, what if you had a substantially larger amount in real estate and other assets, what would you think then?




Kate is in this exact predicament and has done a phenomenal job at growing her wealth over the past decade. Kate and her husband have acquired $1.8 million in rental properties, bringing in gross rents of over $10,000 per month! She’s currently sitting on half a million dollars in rental property debt and is wondering whether cashing out her 401k to pay off the debt would make sense.




Because Kate is in such a high cash flow position, she may be asking a question that’s not so obvious. Mindy and Scott spend time walking through calculations that allow Kate to visualize what her life would look like with paid-off rentals as opposed to a fully-funded 401k account. 




In This Episode We Cover

Why a mentor can help spur you onto to make better, more aggressive investing decisions 

Moving to a different part of the country to take advantage of higher salaries

How to calculate whether or not you should withdraw your 401k funds 

Switching your job to a more flexible schedule without giving up your salary

Travel hacking and using credit card points to pay for your vacations

The benefit of using financing to buy your primary residence or rental properties

And So Much More!]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC6113934909.mp3" length="78304607" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[“Should I cash out my 401k?” That’s a question you never want to ask in an online financial independence forum. It’s been a well-known rule to never cash out retirement accounts due to withdrawal penalties, tax implications, and the possibility of throwing away your retirement plans. But, what if you had a substantially larger amount in real estate and other assets, what would you think then?




Kate is in this exact predicament and has done a phenomenal job at growing her wealth over the past decade. Kate and her husband have acquired $1.8 million in rental properties, bringing in gross rents of over $10,000 per month! She’s currently sitting on half a million dollars in rental property debt and is wondering whether cashing out her 401k to pay off the debt would make sense.




Because Kate is in such a high cash flow position, she may be asking a question that’s not so obvious. Mindy and Scott spend time walking through calculations that allow Kate to visualize what her life would look like with paid-off rentals as opposed to a fully-funded 401k account. 




In This Episode We Cover

Why a mentor can help spur you onto to make better, more aggressive investing decisions 

Moving to a different part of the country to take advantage of higher salaries

How to calculate whether or not you should withdraw your 401k funds 

Switching your job to a more flexible schedule without giving up your salary

Travel hacking and using credit card points to pay for your vacations

The benefit of using financing to buy your primary residence or rental properties

And So Much More!]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[“Should I cash out my 401k?” That’s a question you never want to ask in an online financial independence forum. It’s been a well-known rule to never cash out retirement accounts due to withdrawal penalties, tax implications, and the possibility of throwing away your retirement plans. But, what if you had a substantially larger amount in real estate and other assets, what would you think then?




Kate is in this exact predicament and has done a phenomenal job at growing her wealth over the past decade. Kate and her husband have acquired $1.8 million in rental properties, bringing in gross rents of over $10,000 per month! She’s currently sitting on half a million dollars in rental property debt and is wondering whether cashing out her 401k to pay off the debt would make sense.




Because Kate is in such a high cash flow position, she may be asking a question that’s not so obvious. Mindy and Scott spend time walking through calculations that allow Kate to visualize what her life would ]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>245: High Income, New Cars, Profitable Businesses, and $190k in Debt</title>
	<link>https://biggerpocketsmoney.com/podcast/245-high-income-new-cars-profitable-businesses-and-190k-in-debt/</link>
	<pubDate>Mon, 01 Nov 2021 06:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">gid://art19-episode-locator/V0/iQieR9s58708TVUh1ZJXrD1Fhaht_sd1l5rIksZ0KlI</guid>
	<description><![CDATA[Brad Finn was raised with a strong work ethic that follows him to this day. He always knew he should be working hard, and that’s exactly what he did. Brad worked throughout high school, college, and started multiple businesses in adulthood. While his work ethic was strong, his financial skills were lacking. When Brad went to college, he remembers using almost a third of his student loans on partying alone.




Fast forward to his mid-thirties, Brad is waking up in a beautiful house, with two nice cars in the driveway, a great income, a new business, and a negative net worth. It wasn’t until Brad allowed himself to look at the true number behind his net worth that he realized something needed to change. Fortunately, his wife had been slowly, but surely, trying to tell Brad that they had to make that change.




The day Brad’s first child was born, he and his wife were debt-free. This didn’t come easy, especially since they were facing close to $190,000 in debt. They tracked their spending and realized they spent close to $20,000 in two months, solely on eating out. They dialed it in, worked side jobs to boost their savings rates, and rewarded themselves when they hit milestones. Now their net worth is growing fast, and they’re locked in on investing.




In This Episode We Cover

Calculating how much you need in student loans and taking out that exact amount

How to continue your debt payoff journey without getting discouraged

Rewarding yourself for big milestones, even if it will set you back a small amount

Talking to your partner about money and asking their opinion on strategies 

Raising your budget on things that matter while lowering it on things that don’t

Retirement plans for government workers, like 403b and 457 plans 

Understanding that the long journey to financial freedom is worth it

And So Much More!]]></description>
	<itunes:subtitle><![CDATA[Brad Finn was raised with a strong work ethic that follows him to this day. He always knew he should be working hard, and that’s exactly what he did. Brad worked throughout high school, college, and started multiple businesses in adulthood. While his wor]]></itunes:subtitle>
	<content:encoded><![CDATA[Brad Finn was raised with a strong work ethic that follows him to this day. He always knew he should be working hard, and that’s exactly what he did. Brad worked throughout high school, college, and started multiple businesses in adulthood. While his work ethic was strong, his financial skills were lacking. When Brad went to college, he remembers using almost a third of his student loans on partying alone.




Fast forward to his mid-thirties, Brad is waking up in a beautiful house, with two nice cars in the driveway, a great income, a new business, and a negative net worth. It wasn’t until Brad allowed himself to look at the true number behind his net worth that he realized something needed to change. Fortunately, his wife had been slowly, but surely, trying to tell Brad that they had to make that change.




The day Brad’s first child was born, he and his wife were debt-free. This didn’t come easy, especially since they were facing close to $190,000 in debt. They tracked their spending and realized they spent close to $20,000 in two months, solely on eating out. They dialed it in, worked side jobs to boost their savings rates, and rewarded themselves when they hit milestones. Now their net worth is growing fast, and they’re locked in on investing.




In This Episode We Cover

Calculating how much you need in student loans and taking out that exact amount

How to continue your debt payoff journey without getting discouraged

Rewarding yourself for big milestones, even if it will set you back a small amount

Talking to your partner about money and asking their opinion on strategies 

Raising your budget on things that matter while lowering it on things that don’t

Retirement plans for government workers, like 403b and 457 plans 

Understanding that the long journey to financial freedom is worth it

And So Much More!]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC9366329159.mp3" length="91930079" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[Brad Finn was raised with a strong work ethic that follows him to this day. He always knew he should be working hard, and that’s exactly what he did. Brad worked throughout high school, college, and started multiple businesses in adulthood. While his work ethic was strong, his financial skills were lacking. When Brad went to college, he remembers using almost a third of his student loans on partying alone.




Fast forward to his mid-thirties, Brad is waking up in a beautiful house, with two nice cars in the driveway, a great income, a new business, and a negative net worth. It wasn’t until Brad allowed himself to look at the true number behind his net worth that he realized something needed to change. Fortunately, his wife had been slowly, but surely, trying to tell Brad that they had to make that change.




The day Brad’s first child was born, he and his wife were debt-free. This didn’t come easy, especially since they were facing close to $190,000 in debt. They tracked their spending and realized they spent close to $20,000 in two months, solely on eating out. They dialed it in, worked side jobs to boost their savings rates, and rewarded themselves when they hit milestones. Now their net worth is growing fast, and they’re locked in on investing.




In This Episode We Cover

Calculating how much you need in student loans and taking out that exact amount

How to continue your debt payoff journey without getting discouraged

Rewarding yourself for big milestones, even if it will set you back a small amount

Talking to your partner about money and asking their opinion on strategies 

Raising your budget on things that matter while lowering it on things that don’t

Retirement plans for government workers, like 403b and 457 plans 

Understanding that the long journey to financial freedom is worth it

And So Much More!]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[Brad Finn was raised with a strong work ethic that follows him to this day. He always knew he should be working hard, and that’s exactly what he did. Brad worked throughout high school, college, and started multiple businesses in adulthood. While his work ethic was strong, his financial skills were lacking. When Brad went to college, he remembers using almost a third of his student loans on partying alone.




Fast forward to his mid-thirties, Brad is waking up in a beautiful house, with two nice cars in the driveway, a great income, a new business, and a negative net worth. It wasn’t until Brad allowed himself to look at the true number behind his net worth that he realized something needed to change. Fortunately, his wife had been slowly, but surely, trying to tell Brad that they had to make that change.




The day Brad’s first child was born, he and his wife were debt-free. This didn’t come easy, especially since they were facing close to $190,000 in debt. They tracked their spend]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>

<item>
	<title>244: Finance Friday: Why a $1M Retirement Goal Isn’t Far Fetched For Late Starters</title>
	<link>https://biggerpocketsmoney.com/podcast/244-finance-friday-why-a-1m-retirement-goal-isnt-far-fetched-for-late-starters/</link>
	<pubDate>Fri, 29 Oct 2021 06:00:00 +0000</pubDate>
	<dc:creator><![CDATA[BiggerPockets ]]></dc:creator>
	<guid isPermaLink="false">gid://art19-episode-locator/V0/Bv9hTAyB-AF5N82VCWDsNgogWeI7J8iSfPeZIKgoSK8</guid>
	<description><![CDATA[Retirement planning can be complicated when you have so many options to choose from. Do you stick with the Roth IRA, the 401k, the Roth 401k, your employee pension plan, or solely invest in stocks and real estate? With all these different types of accounts and their numerous benefits and drawbacks, it’s easy to get stuck financially stalling. 




One person who has been able to optimize his retirement plans, is Matt, pilot and soon-to-be captain, delivering cargo around the United States. Matt bought a home in high-appreciation St. Petersburg Florida, where his home has already gained a fair amount of equity. Although he loves the ability to rent out his home and create cash flow, Matt doesn’t like staying on dry land for too long. He’s going to captain his own home; living in a houseboat and renting out his primary residence to lower his living costs even more.




Matt talks through questions he has about his 401k, Roth 401k, Roth IRA, and other retirement accounts. Even though Matt feels he could be optimizing his finances for faster retirement, both Mindy and Scott agree: if he keeps doing what he’s doing, he’ll reach his fifty-year-old retirement goal, without any change to his current lifestyle.




In This Episode We Cover

Deciding between the 401k, Roth IRA, Roth 401k, and other retirement accounts 

House hacking and taking advantage of low-interest, owner-occupied loans 

Whether or not an employee pension should be thought of as a guaranteed retirement 

Living on a boat to save money on housing costs and maximize cash flow

How to plan for retirement when you have an age limit for your job

Employee stock purchase plans (ESPPs) and when to invest in one

And So Much More!]]></description>
	<itunes:subtitle><![CDATA[Retirement planning can be complicated when you have so many options to choose from. Do you stick with the Roth IRA, the 401k, the Roth 401k, your employee pension plan, or solely invest in stocks and real estate? With all these different types of accoun]]></itunes:subtitle>
	<content:encoded><![CDATA[Retirement planning can be complicated when you have so many options to choose from. Do you stick with the Roth IRA, the 401k, the Roth 401k, your employee pension plan, or solely invest in stocks and real estate? With all these different types of accounts and their numerous benefits and drawbacks, it’s easy to get stuck financially stalling. 




One person who has been able to optimize his retirement plans, is Matt, pilot and soon-to-be captain, delivering cargo around the United States. Matt bought a home in high-appreciation St. Petersburg Florida, where his home has already gained a fair amount of equity. Although he loves the ability to rent out his home and create cash flow, Matt doesn’t like staying on dry land for too long. He’s going to captain his own home; living in a houseboat and renting out his primary residence to lower his living costs even more.




Matt talks through questions he has about his 401k, Roth 401k, Roth IRA, and other retirement accounts. Even though Matt feels he could be optimizing his finances for faster retirement, both Mindy and Scott agree: if he keeps doing what he’s doing, he’ll reach his fifty-year-old retirement goal, without any change to his current lifestyle.




In This Episode We Cover

Deciding between the 401k, Roth IRA, Roth 401k, and other retirement accounts 

House hacking and taking advantage of low-interest, owner-occupied loans 

Whether or not an employee pension should be thought of as a guaranteed retirement 

Living on a boat to save money on housing costs and maximize cash flow

How to plan for retirement when you have an age limit for your job

Employee stock purchase plans (ESPPs) and when to invest in one

And So Much More!]]></content:encoded>
	<enclosure url="https://www.podtrac.com/pts/redirect.mp3/pscrb.fm/rss/p/traffic.megaphone.fm/BIGPOC7144733411.mp3" length="60164193" type="audio/mpeg"></enclosure>
	<itunes:summary><![CDATA[Retirement planning can be complicated when you have so many options to choose from. Do you stick with the Roth IRA, the 401k, the Roth 401k, your employee pension plan, or solely invest in stocks and real estate? With all these different types of accounts and their numerous benefits and drawbacks, it’s easy to get stuck financially stalling. 




One person who has been able to optimize his retirement plans, is Matt, pilot and soon-to-be captain, delivering cargo around the United States. Matt bought a home in high-appreciation St. Petersburg Florida, where his home has already gained a fair amount of equity. Although he loves the ability to rent out his home and create cash flow, Matt doesn’t like staying on dry land for too long. He’s going to captain his own home; living in a houseboat and renting out his primary residence to lower his living costs even more.




Matt talks through questions he has about his 401k, Roth 401k, Roth IRA, and other retirement accounts. Even though Matt feels he could be optimizing his finances for faster retirement, both Mindy and Scott agree: if he keeps doing what he’s doing, he’ll reach his fifty-year-old retirement goal, without any change to his current lifestyle.




In This Episode We Cover

Deciding between the 401k, Roth IRA, Roth 401k, and other retirement accounts 

House hacking and taking advantage of low-interest, owner-occupied loans 

Whether or not an employee pension should be thought of as a guaranteed retirement 

Living on a boat to save money on housing costs and maximize cash flow

How to plan for retirement when you have an age limit for your job

Employee stock purchase plans (ESPPs) and when to invest in one

And So Much More!]]></itunes:summary>
	<itunes:explicit>false</itunes:explicit>
	<itunes:block>no</itunes:block>
	<itunes:duration>0:00</itunes:duration>
	<itunes:author><![CDATA[BiggerPockets ]]></itunes:author>	<googleplay:description><![CDATA[Retirement planning can be complicated when you have so many options to choose from. Do you stick with the Roth IRA, the 401k, the Roth 401k, your employee pension plan, or solely invest in stocks and real estate? With all these different types of accounts and their numerous benefits and drawbacks, it’s easy to get stuck financially stalling. 




One person who has been able to optimize his retirement plans, is Matt, pilot and soon-to-be captain, delivering cargo around the United States. Matt bought a home in high-appreciation St. Petersburg Florida, where his home has already gained a fair amount of equity. Although he loves the ability to rent out his home and create cash flow, Matt doesn’t like staying on dry land for too long. He’s going to captain his own home; living in a houseboat and renting out his primary residence to lower his living costs even more.




Matt talks through questions he has about his 401k, Roth 401k, Roth IRA, and other retirement accounts. Even though Mat]]></googleplay:description>
	<googleplay:explicit>No</googleplay:explicit>
	<googleplay:block>no</googleplay:block>
</item>
	</channel>
</rss>
