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Join Mindy Jensen and Scott Trench (from BiggerPocketsMoney.com) weekly for the BiggerPockets Money Podcast. Each week, financial experts Mindy and Scott interview unique and powerful thought leaders about how to earn more, keep more, spend smarter, and reach financial independence.
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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!
In This Episode We Cover
How to go from broke at fifty to millionaire (and retirement-ready!) at sixty
The one beginner-friendly investment that could make you richer (faster) than traditional retirement accounts
Starting a side hustle and how to make more money so you can retire faster
The passive, stable, and relatively safe investment that anyone can put their money into
When to pay off debt and which interest rates to prioritize first
How to become a personal finance genius in just a year simply by “listening”
And So Much More!
Links from the Show
Listen to All Your Favorite BiggerPockets Podcasts in One Place
Email Mindy: Mindy@biggerpockets.com
Email Scott: Scott@biggerpockets.com
BiggerPockets Money Facebook Group
BiggerPockets Money 586 - Average Net Worth by Age (How Do You Compare?)
Email setforlife@biggerpockets.com for a Free Copy of Set for Life
Grab Scott’s Book, “Set for Life”
Find an Investor-Friendly Agent in Your Area
BiggerPockets Money 422 - The Late Starter’s Guide to Financial Independence (Even in Your 50s!)
(00:03) Intro
(02:21) How to Start from ZERO!
(06:33) Stay-at-Home Mom, No Income, Divorced
(20:08) Six-Figure Income, $0 Net Worth
(27:32) Investing Your Money
(31:34) Paying Off Debt
(36:24) Want More Retirement Strategies?
Check out more resources from this show on BiggerPockets.com and https://www.biggerpockets.com/blog/money-591
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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!
In This Episode We Cover
Chris’s favorite side hustle of 2024 that’s making him extra money (nobody has thought of this!)
How to slash your property tax bill in exchange for a couple of hours of your time
Reevaluating your car insurance and why you MUST get new quotes ASAP
Savvy healthcare hacks that could save Chris $24,000 this year alone
How to get a deep discount whenever you eat out (twenty to thirty percent off!)
The one thing you can’t (and probably shouldn’t) hack
And So Much More!
Links from the Show
Listen to All Your Favorite BiggerPockets Podcasts in One Place
Email Mindy: Mindy@biggerpockets.com
Email Scott: Scott@biggerpockets.com
BiggerPockets Money Facebook Group
Why You Shouldn't Stop Working Once You Hit Financial Freedom w/Chris Hutchins
All the Hacks 34 - Insider Tricks to Healthcare, Prescriptions and Medical Bills with Marshall Allen
All the Hacks 181 - Making an Easy $3k/mo from Online Deals with Kai
in-kind - Restaurant Savings App
Ownwell - Property Tax Reducer
Check out more resources from this show on BiggerPockets.com and https://www.biggerpockets.com/blog/money-590
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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!
In This Episode We Cover
The best path for Alex to reach financial independence by forty-five
When to leave your W2 job and pursue full-time entrepreneurship
How to lower (or eliminate!) your housing cost with the house hacking strategy
Where to invest a large amount of cash (stock market versus real estate)
Tax strategies that could help you save a fortune over your lifetime
And So Much More!
Links from the Show
Listen to All Your Favorite BiggerPockets Podcasts in One Place
Email Mindy: Mindy@biggerpockets.com
Email Scott: Scott@biggerpockets.com
BiggerPockets Money Facebook Group
Buy Scott’s Book “Set for Life”
Find an Investor-Friendly Agent in Your Area
(00:00) Intro
(01:14) Alex’s Money Journey
(04:26) House Hacking Numbers
(08:01) Money Snapshot
(14:24) Leaving Her W2?
(23:30) Buying More Rentals
(29:57) Alex’s Investing Strategy
(36:13) HUGE Cash Position
(43:21) Connect with Alex!
(44:57) “Unlock” Your Potential!
Check out more resources from this show on BiggerPockets.com and https://www.biggerpockets.com/blog/money-589
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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!
In This Episode We Cover
How much money you actually need to retire (and if the four-percent rule still works)
Renting versus buying a house amidst today’s high home prices and interest rates
Whether the “grind” to early retirement is worth it (and what you should do if it’s not!)
Active versus passive real estate investing (and which delivers the highest returns)
Whether you “miss out on life” by living frugally and racing toward retirement
And So Much More!
Links from the Show
Listen to All Your Favorite BiggerPockets Podcasts in One Place
Email Mindy: Mindy@biggerpockets.com
Email Scott: Scott@biggerpockets.com
BiggerPockets Money Facebook Group
BiggerPockets Money 455 – REITs: How to Make Real Estate Money WITHOUT Owning Rentals
The Passive Real Estate Investing Show
“Determining Withdrawal Rates Using Historical Data”
Try Baselane, the One Platform for All Your Property Banking & Finances
Buy Scott and Mindy’s Book, “First-Time Home Buyer”
Find an Investor-Friendly Agent in Your Area
(00:00) Intro
(01:27) “Missing Out” on Life
(08:01) Running Out of Money
(15:41) High Housing Costs
(24:10) Low Rental Property Returns
(32:13) Burnout Before FIRE
(34:19) What We’re Reading!
Check out more resources from this show on BiggerPockets.com and https://www.biggerpockets.com/blog/money-587
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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!
In This Episode We Cover
How to explode your passive income by slowly investing in real estate
Dion’s journey from $89,000 in debt and low-paying jobs to financial freedom
Why Dion encourages you to IGNORE what everyone is saying about the housing market
A $1,000,000 mistake that Dion made that you should NOT repeat (DON’T pay off your house!)
Why Dion doesn’t care about growing a big real estate portfolio (and you shouldn’t either!)
And So Much More!
Links from the Show
Listen to All Your Favorite BiggerPockets Podcasts in One Place
Email Mindy: Mindy@biggerpockets.com
Email Scott: Scott@biggerpockets.com
BiggerPockets Money Facebook Group
Find an Investor-Friendly Agent in Your Area
The Lazy Person’s Guide to Financial Freedom in Less Than 10 Years with Dion Mcneeley
(00:00) Intro
(01:00) $89K of BAD Debt
(07:00) Do This NOW!
(10:58) Great News for Landlords
(13:43) Dion's $1,000,000 Mistake
(16:19) No Stocks, No Bonds...Just Rentals?
(18:15) "Reverse Budgeting"
(19:58) Emergency Reserves and Current Portfolio
(22:13) Working 2 Hours a MONTH!
(23:49) Dion's FIRE Advice
(27:39) Connect with Dion!
Check out more resources from this show on BiggerPockets.com and https://www.biggerpockets.com/blog/money-587
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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!
In This Episode We Cover
The average net worth for Americans in their twenties, thirties, forties, and fifties
How the rich invest differently than most of us (and what they’re buying)
How to calculate your net worth and whether primary residence equity is included or not
What everyone in their twenties should be doing with their money to secure a comfortable retirement
Why you DON’T need to be a mega-high income earner to become a millionaire
The reason Scott thinks YOU should be starting a business to FIRE faster
And So Much More!
Links
BiggerPockets Money 35 - Hacking Your Life to Live for (Almost) Free with Craig Curelop
BiggerPockets Money 416 - Codie Sanchez: These “Boring Businesses” Will Make You Rich
Visual Capitalist Composition of Wealth
Check out more resources from this show on BiggerPockets.com and https://www.biggerpockets.com/blog/money-586
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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!
In This Episode We Cover
What Allie should do to reallocate her $3,800,000 nest egg and achieve financial freedom
What to do with money locked up in home equity and retirement accounts
Keeping your home as a rental property versus selling it and investing elsewhere
Creative ways to improve your cash position so that you can retire early
Building wealth with short-term rentals, live-in flips, and other real estate strategies
Escaping the “middle-class trap” of earning high income in a high-cost-of-living area
And So Much More!
Links from the Show
Listen to All Your Favorite BiggerPockets Podcasts in One Place
Email Mindy: Mindy@biggerpockets.com
Email Scott: Scott@biggerpockets.com
BiggerPockets Money Facebook Group
Buy Scott’s Book, “Set for Life”
Find an Investor-Friendly Agent in Your Area
Finance Friday: How the “Middle-Class Trap” Stops Your Early Retirement
(00:00) Intro
(01:00) Allie’s Money Journey
(03:36) Money Snapshot
(13:50) Retiring in Laguna Beach
(19:01) Keeping vs. Selling Her Home
(26:06) The BIG Bet on Real Estate
(34:01) Growing Cash & Renting Her Home
(43:41) Real Estate vs. Stocks
(52:02) What Should Allie Do?
Check out more resources from this show on BiggerPockets.com and https://www.biggerpockets.com/blog/money-585
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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!
In This Episode We Cover
The biggest lies about money Mindy and Amanda used to believe
Whether work sabbaticals are a smart use of money on the journey to FIRE
The case against budgets and why you probably have one (even if you think you don’t)
Whether Americans save TOO much money for retirement (and why!)
Why it’s not overkill to keep a six-to-twelve-month emergency fund in 2024
The costs of buying a house and whether renting is ever the better retirement play
And So Much More!
Links from the Show
Listen to All Your Favorite BiggerPockets Podcasts in One Place
Email Mindy: Mindy@biggerpockets.com
Email Scott: Scott@biggerpockets.com
BiggerPockets Money Facebook Group
Reach FIRE Faster with the Book “Set for Life”
Find an Investor-Friendly Agent in Your Area
Do You Need Debt to Reach FIRE? How to Use Leverage to Build Wealth
(00:00) Intro
(00:58) Money Lies We Used to Believe
(03:25) Sabbaticals Are “Irresponsible”
(07:33) I Don’t Budget!
(11:47) We Save TOO Much
(19:54) Frugality Is Overrated
(25:45) Hustling Is a Waste of Time
(32:23) I’d Rather Rent Than Buy
(34:57) Your Emergency Fund’s Too Big
(41:42) Connect with Amanda!
Check out more resources from this show on BiggerPockets.com and https://www.biggerpockets.com/blog/money-584
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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.
In This Episode We Cover
How to reach financial freedom in your thirties by taking “calculated” risks
The exact method Andrew used to pay off $100,000 in debt
Why house hacking may be the single best decision for FIRE-chasers
Why Andrew put an entire home renovation on a credit card when he was close to broke
Emergency funds 101 and why it’s crucial to have money in the bank when buying real estate
Saving tons of money by cutting out a “category” every month
And So Much More!
Links from the Show
Listen to All Your Favorite BiggerPockets Podcasts in One Place
Email Mindy: Mindy@biggerpockets.com
Email Scott: Scott@biggerpockets.com
BiggerPockets Money Facebook Group
BiggerPockets Creative Financing Forum
Finding and Funding Great Deals
Raising Private Capital, Revised Edition
Grab "The Book on Investing in Real Estate with No (and Low) Money Down"
Find an Investor-Friendly Agent in Your Area
House Hacking 101: What It Is and How to Get Started
(00:00) Intro
(01:48) Stock Betting and $100K Debt
(04:12) Watching His Coworker FIRE
(07:16) Income and “Overtime”
(08:41) Taking SERIOUS Risk (BIG Reward!)
(16:21) 10Xing His Money
(19:46) Rock Bottom Expenses
(27:34) Building a Business
(36:45) Quit His Job?
(43:16) Make the RIGHT Bets
Check out more resources from this show on BiggerPockets.com and https://www.biggerpockets.com/blog/money-583
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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!
In This Episode We Cover
Using “geo arbitrage” to save more, invest more, and lower your cost of living
An almost unbelievable income tax exclusion Americans abroad can access
How Brooklin paid off $80,000 in student debt (even on a lower income)
Turning your freelancing work into a full-blown (and VERY high-paying) business
Why the optimal FIRE lifestyle may actually include working a few hours a day
And So Much More!
Links from the Show
Listen to All Your Favorite BiggerPockets Podcasts in One Place
Email Mindy: Mindy@biggerpockets.com
Email Scott: Scott@biggerpockets.com
BiggerPockets Money Facebook Group
Try Baselane, the One Platform for All Your Property Banking & Finances
Reach FI Faster with “Set for Life”
Find an Investor-Friendly Agent in Your Area
The Best (and Worst) States in the US to Retire in 2024 (FIRE Faster?)
(00:00) Intro
(01:00) Pyramid Schemes, MLMs, and Risky Bets
(04:35) Paying Off $80K Debt
(10:30) Finding FIRE and First $100K
(14:19) Freelancing to Boost Income
(16:40) Building His Business
(20:11) FIRE Progress
(26:40) Why Live in Guatemala?
(30:54) Investing from Abroad
(32:43) Geographic Arbitrage 101
(38:19) Connect with Brooklin!
Check out more resources from this show on BiggerPockets.com and https://www.biggerpockets.com/blog/money-582
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