Marriage Kids and Money: Personal Finance for Families

We all know time is a finite resource. Why do we keep overallocating our time? It all feels like too much of what we're supposed to do and not enough of what we want to do.

In this Bread & Wine episode, Andy and Nicole discuss how their time has been swallowed up recently, how they are fighting back, and how you can own your time, too. 

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Feeling uneasy about your finances in today’s economy? Learn how to turn fear into your greatest investing motivator with Sam Dogen, founder of Financial Samurai.

In this powerful episode, Sam shares how fear helped him build wealth, leave a high-stress Wall Street job, and create true financial independence. Whether you're just getting started or trying to level up your savings rate, this conversation will inspire you to use fear—not as a crutch, but as a catalyst.

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Coast FIRE is when you've front-loaded enough investments to simply coast to retirement without any further contributions. But with this stock market downturn as of late, is the idea of Coast FIRE dead? We'll share how our portfolio is holding up and discuss what to do to keep our Coast FIRE dreams alive.

Second, we’re back with our Net Worth Win segment. This month, we’re featuring Michelle Onaka from Intentional Money Life. Michelle has grown her net worth to $900k by 37 years old. We’ll learn how she did it and how this helps her family...

Paid parental leave can have lifelong benefits for families — but why is the U.S. so far behind?

Isabelle Hau, author of Love to Learn and Executive Director at Stanford's Accelerator for Learning, joins the show to break down how paid leave improves the lives of parents, children, and workplaces.

Also, Stacey Blackshear from Virginia shares how she and her husband achieved Coast Fire with $500k by 40 years old — and how it's helping them create more time and freedom for their growing family!

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Isabelle Hau (Website): http...

A recession may be headed our way. How can we prepare? I'm walking through our family's 5 step financial plan to prepare for a recession.

Second, we’re back with our Mortgage Free Family segment! This month we’re featuring Sandra Park from Texas. She’s going to share how she paid off her mortgage in his 40s and how it allowed her more cash flow and the ability to help her son pay for college.

Last, we're sharing the Good Word once again. My son Calvin and I are sharin...

Andy Hill sits down with Dr. Daniel Crosby—renowned psychologist, behavioral finance expert, and author of Soul of Wealth—to explore the true meaning of wealth beyond money.

Dr. Crosby breaks down why financial success alone won’t bring happiness and how our beliefs, relationships, and personal growth play a crucial role in our well-being. He shares fascinating insights on why some of the wealthiest people still feel unfulfilled, the psychological traps we fall into when chasing money, and practical ways to balance financial goals with a meaningful life.

If you’re striving for financial success...

Can you really retire comfortably with a 5% withdrawal rate? Financial researcher and author Bill Bengen—the creator of the legendary 4% rule—joins us to share why his latest research shows that 5% is the new 4%. In this interview, Bill explains how his thinking has evolved, what today’s retirees should know, and how you can plan smarter for a fulfilling, financially free retirement.

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CHAPTERS

00:00 – Intro – Bill Bengen

01:53 – What is the 4% rule?

...

In this episode, we sit down with Simone Stolzoff, author of The Good Enough Job, to explore how modern work culture has taken over our identities—and how we can break free. This Best of MKM episode revisits one of our most powerful conversations about redefining success, setting boundaries, and reclaiming our time. If you're looking to escape the hustle mentality and build a more balanced life, this one’s a must-listen!

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CHAPTERS

00:00 – Introduction: More Than Your Job

0...

In this Best of MKM episode, Andy Hill shares inspiring conversations with Kathryn Hanna and Chris Luger, two individuals who found financial freedom after divorce. Kathryn achieved Coast FIRE in her late 30s, while Chris became a mortgage-free millionaire. They discuss navigating finances post-divorce, aligning money with personal values, and building a brighter financial future. Whether you're rebuilding or planning ahead, this episode offers real stories and practical advice for thriving financially after a major life change like divorce.

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CHAPTERS

<...

What happens when you achieve financial independence and early retirement? Maggie Tucker joins us to share her journey of retiring at 41, leaving corporate America, and embracing a life of flexibility, purpose, and family. As the founder and host of Inside Out Money, Maggie talks about overcoming the challenges of early retirement, finding fulfillment beyond a traditional career, and raising financially mindful kids. Listen to her insights on early retirement, smart money habits, and the mindset shifts that helped her break free from the 9-to-5 grind.

🔹 How Maggie and her husband retired early after 20 years in...

Andy Hill sits down with Dr. Brad Klontz—bestselling author, professor, and leading expert on the psychology of wealth—to explore the power of mindset in financial success. They dive into the differences between a poor mindset and a rich mindset, common money mistakes, and the habits that set wealthy individuals apart.

Dr. Klontz shares his personal journey from financial struggle to success, the critical lessons he learned along the way, and actionable steps you can take today to shift your thinking and build lasting wealth. Whether you're an employee, an entrepreneur, or simply looking to break free...

Considering working with a financial advisor? Here are 5 questions to ask a financial advisor before working with them. Getting answers to these questions will help you become informed and empowered on your investing journey.

Second, we’re back with our Net Worth Win segment. This month, we’re featuring Jackie Cummings Koski from the Catching Up To FI Podcast. Jackie has grown her net worth to $1.8 million by 54 years old. We’ll learn how she did it and what generational wealth means to her as a mother.

Last, my son Calvin will be reading the month...

Workplace benefits often get overlooked by employees. But they could be your ticket to a wealthy future. How can my workplace benefits make me a millionaire?

Joe Saul-Sehy, Co-Host of Stacking Benjamins, joins the show again to help us answer this big question. 

Also, Jace Mattinson from Texas (and the Millionaires Unveiled Podcast) shares how he and his wife grew their investments to over $1,000,000 and how this impacts their family journey in the future.

EPISODE RESOURCES

Joe Saul-Sehy (Podcast): https://www.stackingbenjamins.com/

Stacking Benjamins Benefits Gu...

It’s time to set some SMART financial goals! I'm walking through 10 SMART financial goals that will help you build family wealth this year.

Second, we’re back with our Mortgage Free Family segment! This month we’re featuring JJ Buckner from Missouri. He’s going to share how he paid off his mortgage in his 30s and how it allowed him more family time and time to grow as a solopreneur.

Last, we're sharing the Good Word once again. My son Calvin and I are sharing details on Mackenzie Scott's philanthropy mission, the Giving Pledge...

Looking to find more purpose in life? Author Jordan Grumet is here to help us answer this important question. He discusses Big P Purpose and Little P Purpose and why it's important to know the difference.

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GUEST BIO - Jordan Grumet:

Jordan Grumet, MD, is an internal medicine physician turned author and podcast host. After earning his medical degree from Northwestern University, he practiced in Northbrook, Illinois, and now serves as associate medical director at Unity...

Craig from Wisconsin came into a lump sum of money recently and wants to know if he should lump sum invest it or use dollar cost averaging. We'll define lump sum investing vs. dollar cost averaging and decide which is better.

Second, we’re back with our Net Worth Win segment.

This month, we’re featuring Nicole Stanley from Massachusetts. Nicole and her husband Jake became a half millionaire couple at the age of 31! Listen up to hear how they did it.

Last, my son Calvin will be reading the month's review and I’ll...

Buying gifts is a important part of everyday life. But have you ever really examined HOW you're giving gifts?

In this Bread & Wine episode, Andy and Nicole discuss if they gifts they are giving are really intended for the person receiving them. 

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**Sponsors + Partners + Deals: https://www.marriagekidsandmoney.com/sponsors

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President Trump has signaled that imposing new tariffs will be a cornerstone of his presidency. How will tariffs impact your family finances?

Meghan Rabuse, the Family Finance Mom, joins the show again to help us answer this big question. 

Also, Larry Sprung from New York shares how he and his wife paid off their $1 million home and what they plan to do with the extra money!

RESOURCES

Meghan Rabuse (Website): https://www.familyfinancemom.com 

Larry Sprung (Website): https://www.mitlinfinancial.com/

GUEST BIO - Meghan Rabuse

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You've hit Coast FIRE! Congratulations but ... Now what? I'll share 7 lifestyle improvement ideas for you to consider.

Second, we’re going to have a conversation with Nina Robinson from Michigan. She’s going to share how she achieved Coast FIRE with $600k invested in her and if this achievement changes her plans for the future.

Last, we're sharing the Good Word once again. My son Calvin and I are having a conversation about ... the S&P 500 performance from 2024 and the generational wealth investing lessons we learned.

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Ready to spend without the guilt? Frugal Friends Podcast hosts Jen Smith and Jill Sirianni share how to buy what you love without going broke. We discuss the concept of values-based spending and how it helps you live and spend freely.

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GUEST BIO - Jen Smith and Jill Sirianni:

Jen Smith and Jill Sirianni are co-hosts of the Frugal Friends Podcast, offering practical advice on frugality, intentional spending, and financial...

We're tackling a question a lot of us have ... Am I on track for retirement? We'll dive into 3 different strategies we can use to answer this important question.

Second, we’re back with our Net Worth Win segment.

This month, we’re featuring Stefanie Gonzales, originally from Texas. Stefanie and her husband Joseph became a millionaire couple at the age of 40! Listen up to hear how they did it.

Last, my son Calvin will be reading the month's review and I’ll quiz him with some money questions. We're talking about holiday spending, invest...

Hello friends!

Starting in 2025, Marriage Kids and Money will be released on Tuesdays instead of Mondays.

I appreciate your support as always!

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Tae Kim achieved Coast FIRE after accumulating $2,000,000 in investments by age 42. In this BEST OF MKM episode from 2024, Tae shares how he and his wife built up their investments and what the future looks like now. 

EPISODE RESOURCES:

Coast FIRE Calculator: https://marriagekidsandmoney.com/calculators/coast-fire/

Financial Tortoise (YouTube): https://www.youtube.com/c/taekimfinancialtortoise 

#BigTipTuesday Details: https://marriagekidsandmoney.com/why-were-giving-100-tips-this-holiday-season-and-why-we-want-you-to-join-us/

Voicemail: https://marriagekidsandmoney.com/voicemail (tell me about your #BigTipTuesday adventures!)

SHOW INFORMATION:

Marriage Kids and Money is dedicated to helping young families bui...

Is your marriage feeling uneven? Authors Nate and Kaley Klemp think an 80/80 marriage may work for you.

They are the writers behind “The 80/80 Marriage: A New Model for a Happier, Stronger Relationship”. In this BEST OF MKM episode from 2021, Nate and Kaley review how radical generosity can create a happier relationship and what to do when your partner isn't contributing enough.

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80/80 Marriage (book): https://amzn.to/4gsU2mm (affiliate)

#BigTipTuesday Details: https://marriagekidsandmoney.com/why-were-giving-100-tips-this-holiday-season-and-why-we-want-you-to-join-us/

Voicemail: https://marriagekidsandmoney.com/voicemail (tell me abou...

Coast FIRE raises the question: What happens when I don't need to invest as much for retirement?

In this "Best of Marriage Kids and Money" episode, I share my interview with Andrew Giancola on The Personal Finance Podcast. We discuss Coast FIRE and how it has allowed us to work less and live more.

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Recommended Resources

Make My Kid a Millionaire: https://www.makemykidamillionaire.com/sa

The Personal Finance Podcast: https://thepersonalfinancepodcast.com/

SHOW INFORMATION:

Marriage Kids and Money is...

This week we’re featuring two interviews we did this year - one with Jade Warshaw from Ramsey Solutions and other with George Kamel also from Ramsey Solutions.  

If you’re not familiar with Ramsey Solutions, this is a company owned by Dave Ramsey, the personal finance guru that many people know. 

Jade and George are personalities on Dave’s team and they both joined me this year to share their unique stories about becoming debt free and mortgage free. 

Both of these interviews were very popular on our YouTube channel so I thought I...

When you've been saving around 50% of your income for a decade on your FIRE journey, it's hard to save less. Our family hit some incredible financial milestones over the last 10 years including becoming debt-free, mortgage-free, achieving Coast FIRE, and accumulating a million-dollar net worth. And now we're ready to enjoy more of our money today.

Depending on your stage in your FIRE journey, this message can be challenging to hear. Let's discuss that today.

Second, I've got another MKM Challenge for our community focused on generosity!

EPISODE RESOURCES:

Recommended Resources

Are you interested in financial independence with kids?

In this "Best of Marriage Kids and Money" episode, I share my interview on the Catching Up To FI Podcast with Bill Yount and Jackie Cummings-Koski. We discuss the steps we took as a family to find our version of financial independence with kids.

EPISODE RESOURCES:

Recommended Resources

Make My Kid a Millionaire: https://www.makemykidamillionaire.com/sa

Catching Up To FI Podcast: https://catchinguptofi.com/

SHOW INFORMATION:

Marriage Kids and...

A Health Savings Account can be a smart way to save and invest for your future health and wealth. I'm sharing how a HSA fits into our family financial plan.

Second, we’re back with our Mortgage Free Family segment! This month we’re featuring Andrew Dewar from Canada. He’s going to share how he paid off his mortgage in his 30s and how it allowed him more family time and time freedom in general. 

Last, we're sharing the Good Word once again. My son Calvin and I are sharing how some neighborhood kids in Mich...

The election is over! There is a lot of talk about how the results will impact the stock market. Should you change your investment strategy now that Trump has won the presidency again?

Second, we’re back with our Be The Change segment.

This month, we’re featuring Help Us Adopt, a national non-profit financial grant program that awards grants up to $30,000 to help couples and individuals (regardless of ethnicity, gender, marital status, race, or sexual orientation) with the cost of their adoptions.

Founder Becky Fawcett is here to introduce the organization, and we’re...

Have you heard that real millionaires don't own homes? John Hope Bryant is on a mission to fight this myth holding back everyday Americans from building generational wealth.

Author and Financial Educator John Hope Bryant shares why this myth exists and the truth about the wealth-building power of long-term real estate ownership.

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GUEST BIO - John Hope Bryant:

John Hope Bryant is an American entrepreneur, thought leader, philanthropic executive, and a leading expert in financial and economic inclusion.

He is responsible for...

Daycare costs more than rent in 16 of the nation’s 100 largest cities according to US Today. With this being such a difficult reality for many parents, I'm sharing 25 smart ways to save on daycare.

Also, Rachel Lawrence from Monarch Money shares how to budget as a couple and how Monarch Money can support the process.

RESOURCES

**Sponsors + Partners + Deals: https://www.marriagekidsandmoney.com/sponsors

25 Ways to Save on Daycare (Article): https://marriagekidsandmoney.com/ways-parents-save-money-daycare/

Monarch Money (Free Trial): https://www.marriagekidsandmoney.com/monarchmoney (affiliate)

GUEST BIO - Rac...

Paying taxes is a reality of life. Let's just not overpay them! In this episode, I share how we're investing with tax efficiency in mind.

Second, we’re back with our Coast FIRE Family segment. This month, we're featuring Marko Zlatic from The Whiteboard Finance YouTube Channel. Marko and his wife recently achieved Coast FIRE in their 30s! He's going to share how they did it and how this impacts their family journey going forward.

Last, we're sharing the Good Word once again. My son Calvin and I are having a conversation about ... Millennial Dads an...

We all know investing in the stock market is a smart idea. When it comes to what to invest in, that's where the questions start to come up.

Author and Financial Educator Paul Merriman shares how we can use index funds to become millionaires. He shares a variety of index fund portfolios including the 2-Fund Portfolio and 4-Fund Portfolio.

RESOURCES:

GUEST BIO - Paul Merriman:

Paul Merriman sold his investment advisory practice and founded a financial education foundation designed to help do-it-yourself...

The Money Date is the glue that holds your marriage and money life together! I share 10 steps to get your Money Date started today.

Second, we’re back with our Net Worth Win segment.

This month, we’re featuring Joshua Weekley from Arizona. Joshua and his wife Carly increased their net worth to $950,000 by at 35 years old! Listen up to hear how they did it.

Last, my daughter Zoey will be reading the month's review and I’ll quiz her with some money questions. We're talking about personal finance classes in high school, budget...

There are benefits to both recasting and refinancing a mortgage. Like all things in personal finance, the best option depends on your personal situation. To help you get a better handle on recasting vs. refinancing, listen up!

Second, we’re back with our Mortgage Free Family segment. This month, we're featuring Ken and Mary Okoroafor from The Humble Penny. Ken and Mary recently became mortgage free in London! They are going to share how they did it and what this means for their generational wealth plans going forward.

Last, we're sharing the Good Word once ag...

The Federal Reserve cut interest rates for the first time in 4 years. What does this big decision mean for families?

Meghan Rabuse, the Family Finance Mom, joins the show again to help us answer this big question. 

Also, Steven and Lauren Keys from Florida share how they built a millionaire net worth in their early 30s!

RESOURCES

**Sponsors + Partners + Deals: https://www.marriagekidsandmoney.com/sponsors

Meghan Rabuse (Website): https://www.familyfinancemom.com 

Steven & Lauren Keys (Website): https://www.tripofalifestyle.com/

GUEST BIO - Meghan Rabuse

Stoicism is all about living in the present. Not worrying about what may come or what you don't have.

Author Darius Foroux is on a mission to show us how to invest, the stoic way. In today's episode, he shares the stoic philosophy and how we can use it to build more wealth, peace and happiness in our lives.

RESOURCES:

GUEST BIO - Darius Foroux:

Darius Foroux (pronounced as Dare-eus For-oe) is the author of 8 books, including The Stoic Path to Wealth.

He...

My daughter will be a teenager soon! To help her (and your teens too) find their next gig, we put together our list of the top 10 best jobs for teens.

Second, we’re back with our Fintech Spotlight segment.

This month, we’re featuring our sponsor Crew, a banking solution for the whole family! Founder Gentry Davies is here to discuss the concept of family banking, why brick-and-mortar banks are getting it wrong, and how Crew can support your family.

Last, my daughter Zoey will be reading the review of the month and I’ll...

Think teachers can't become millionaires? It's more than possible!

In today’s “Best of Marriage Kids And Money” episode from 2020, High School Teacher Brian Weitzel discusses how he managed to invest $1,000,000 in the stock market by 40 years old. 

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