Money Guy Show

FIRE: How to Retire Early and Own Your Life

09 May 2025

Contributed by Lukas

Want to retire early or take control of your time? Brian and Bo break down the FIRE and FINE movements, covering saving strategies, withdrawal rules, ...

Are You Worse Off Financially in 2025? | Ask Money Guy

07 May 2025

Contributed by Lukas

Brian and Bo unpack Gallup's Personal Financial Situation Index that asks how Americans are feeling about their finances and what they anticipate in t...

When Should You Make BIG Financial Decisions?

05 May 2025

Contributed by Lukas

We're back answering your questions about your important financial decisions. From a young couple considering house hacking to someone unemployed for ...

The TRUTH About Dollar Cost Averaging Most Investors Miss

02 May 2025

Contributed by Lukas

Lump-sum vs. dollar cost averaging - what's the better investment strategy? We break down the math, the emotions, and the real-world case studies behi...

What Gen Z Gets Wrong About Money

30 Apr 2025

Contributed by Lukas

Our latest Q&A livestream from our NEW and IMPROVED Money Guy Show Studio! We start with a segment on what Gen Z (and other generations) are getting w...

Is a $100k Income STILL Enough to Buy the American Dream? | Making a Millionaire

28 Apr 2025

Contributed by Lukas

Daniel and Hannah are navigating the messy middle - raising kids, building careers, and working toward big financial goals (like homeownership and fin...

Financial Advisors React - Top 10 INSANE Money Advice Videos

25 Apr 2025

Contributed by Lukas

Brian and Bo react to 10 outrageous personal finance videos circulating online, debunking misleading claims about 401(k) loans, day trading, real esta...

How to Make Money in a Market Crash

23 Apr 2025

Contributed by Lukas

Mike J. wrote us and asked: "We sold about $70k in pretax assets at the peak. How would you recommend we buy back in? Dollar Cost Average? Or wait fo...

Smart Money Moves: Life Insurance, Emergency Funds, and The Rule of 55

21 Apr 2025

Contributed by Lukas

We're back with answering YOUR questions and you gave us some good ones. Brian and Bo break down affordable life insurance strategies for high earners...

How to Turn Your Finances Around in 6 Months

18 Apr 2025

Contributed by Lukas

Brian and Bo unveil a powerful six-month plan to help you turn your financial life around - no matter where you're starting from. Whether you're overw...

84% of Americans Say THIS is the Key to Success (But They're Wrong!)

16 Apr 2025

Contributed by Lukas

A recent survey from Empower asked, "What has the biggest impact on achieving financial success?" Some choices include: Hard Work, Talent, Who You Kno...

We Catch MAJOR Pitfalls in This Doctor's DIY Portfolio | Making a Millionaire

14 Apr 2025

Contributed by Lukas

Chuck and Margo have a BIG shovel. But getting through medical school gave Chuck some BIG blind spots. We want to show them a better way to do money, ...

Beginner’s Guide To Investing (2025 Edition)

11 Apr 2025

Contributed by Lukas

The comprehensive guide to investing that breaks down the essentials for beginners, covering everything from the basics of stock market investing to t...

What The Tariffs Mean For Your 401(k)

09 Apr 2025

Contributed by Lukas

We're diving into market volatility and what it means for your financial future. With the S&P 500 down over 15% from its all-time high and new tariffs...

I Save, They Spend - What Do We Do?

07 Apr 2025

Contributed by Lukas

A tale as old as time: a saver and a spender end up together. What is the solution? We can't promise to solve your relationship problems, but we can p...

How to Lose $5M in 5 Days (and How to Avoid It)

04 Apr 2025

Contributed by Lukas

Through the story of twin sisters Polly and Molly, we demonstrate how 5 everyday financial decisions made in just 5 days can lead to a staggering $5 m...

Are We On The Brink of a Recession? (What You Need To Know)

02 Apr 2025

Contributed by Lukas

A particular headline perfectly captures the reason behind recent fears:   "Goldman Raises Odds of US Recession to 35%"   With all of this noise, fe...

Blind Spots Could Shatter This Financial Fairy Tale | Making a Millionaire

31 Mar 2025

Contributed by Lukas

Derek & McKenna have a fairytale romance. But is their sense of security merely a myth? We uncover BIG blind spots that could turn their dream life in...

Financial Advisors React to Money YouTubers

28 Mar 2025

Contributed by Lukas

We often react to some of the worst financial advice on YouTube, but this one is a little different! We found the BEST financial advice we could on Yo...

Are You In Trouble (With the IRS)?

26 Mar 2025

Contributed by Lukas

You DO NOT want to mess with the IRS.   As Tax Day draws near, tax planning questions are filling our inbox. We're kicking off this livestream that g...

When Do You Need to Change Your Savings Rate?

24 Mar 2025

Contributed by Lukas

We start with a question from Brit: "If you are starting in your mid 30s, does the 25% rule still apply?" Then we answer more of your questions whil...

How to Buy Back Your Time

21 Mar 2025

Contributed by Lukas

True financial independence isn’t just about money—it’s about owning your time. In this episode, we break down how to value time (both today and...

Don't Make THIS Common Roth IRA Mistake

19 Mar 2025

Contributed by Lukas

Josh made a mistake. Knowing his impending sticky situation, he wrote us: "I over contributed to my Roth IRA this previous year (2024) due to making ...

Triple-Leverage Cowboy Is Playing With FIRE | Making a Millionaire

17 Mar 2025

Contributed by Lukas

Phil told us he treats money like a game. But looking at his money, it seems like his favorite game is RISK. He has a high net worth, but is he too mu...

America’s #1 Wealth Killer (That No One Talks About)

14 Mar 2025

Contributed by Lukas

Our number one wealth killer? Not cars. Not inflation. Not even credit cards. Our number one wealth killer is the lack of financial education. Our 5 ...

My First Market Crash. Is This Time Really Different?

12 Mar 2025

Contributed by Lukas

You've seen it. You've heard about it. You've read about it. The stock market is down.   SPOILER ALERT: Our advice stands strong - and we've got data...

X% of Americans Don't Have $1,000!

10 Mar 2025

Contributed by Lukas

Bankrate is back with their annual survey of how Americans would pay for an emergency...and the results are not promising. We then jump answering ques...

401(k) Mistakes That Could Cost You Millions

07 Mar 2025

Contributed by Lukas

One thing we've seen as financial advisors: not everyone knows how their 401k (or similar plan) works. Learn how these common mistakes can cost you MI...

HUGE Pay Cut for a New Career - Is it Worth It?

05 Mar 2025

Contributed by Lukas

Zach is a 34 year old with 3 dependents who wrote us to ask: "Should I take a drastic pay cut (-40%) to leave my current career that I'm no longer ...

VanLife Millionaires Are Leaving MILLIONS On The Table | Making a Millionaire

03 Mar 2025

Contributed by Lukas

Robert and Keri have a…unique lifestyle. But has such a frugal lifestyle cost them huge opportunities? Let’s dive in, and find out. Jump start yo...

Financial Advisors React to INSANE Sports Betting Takes

28 Feb 2025

Contributed by Lukas

We've had SO MANY financial mutants sending us social media videos about sports betting. From astronomical losses to con artists selling courses, you ...

Expecting a Layoff? Do This.

26 Feb 2025

Contributed by Lukas

We kick off this week's livestream with a topical question from Christian A: "I’m a federal worker, 26, and facing potential layoff. How should I p...

What Were Bo's Biggest Financial Milestones?

24 Feb 2025

Contributed by Lukas

"We have heard about some of Brian's financial goals and milestones (6 figure job by 30, $1M net worth, etc.)... But what were some of Bo's financial ...

Don't Fall For These 5 Tax Traps!

21 Feb 2025

Contributed by Lukas

Taxes are an unavoidable part of life. The good news? You have more control over your tax situation than you might think. In this guide, we'll explore...

The HIDDEN Costs of Moving

19 Feb 2025

Contributed by Lukas

"My wife and I want to move from Chicago to Colorado. Are there certain things to look out for when moving away from family to a new area? We would li...

Debt CRISIS Could Ruin This Teacher's Financial Future | Making a Millionaire

17 Feb 2025

Contributed by Lukas

Eric is at a crossroads. He wants to build wealth, but BIG debt is holding him back. Can we right the ship before he sinks? Jump start your journey w...

What FIRE Can Teach You No Matter When You Retire

14 Feb 2025

Contributed by Lukas

The FIRE movement is popular in the Personal Finance space. It has a lot of values and goals that people resonate with. However, not everyone wants t...

How Much Life Insurance Do You Need?

12 Feb 2025

Contributed by Lukas

"How do I decide how much life insurance I need? My wife and I have no kids and both make $60k/year" We'll walk you through that question and more i...

Low Income, Late Start: What Should I Do?

10 Feb 2025

Contributed by Lukas

"Is there a good way to know how much to contribute if you are behind? I’m 32 with about $40k invested. I make $55k in gross annual income. I’m cu...

Is Your Brain Keeping You BROKE?

07 Feb 2025

Contributed by Lukas

You often hear that a HUGE amount of personal finance is behavioral, meaning that it’s your mindset and your actions — not your income or your bac...

"Can I Pay My Car Off in Four Years?"

05 Feb 2025

Contributed by Lukas

"I'm 30 and I am buying a new car. The car fits the 20/3/8 rule. But if they gave me 4 years of 0% financing, is it okay to use all 4 years? Also how ...

Super-Savers Can't Forgive Their Money Mistakes | Making a Millionaire

03 Feb 2025

Contributed by Lukas

Welcome to Making a Millionaire. Megan & Patrick thought that they were living the American Dream. But then, disaster struck. Can we help them build a...

Financial Advisors React to Big Money Fails

31 Jan 2025

Contributed by Lukas

We see big money fails on social media all the time, so we had to get Brian and Bo's reactions to some of the craziest money fails out there on today'...

Introducing 'Making a Millionaire'

29 Jan 2025

Contributed by Lukas

Real Stories. Real Strategies. Real Wealth. Today, we're introducing our new show, "Making a Millionaire" with the first episode coming out on Monday,...

What is the 3 Bucket Strategy? (And How to Do It Right)

27 Jan 2025

Contributed by Lukas

"Can you talk about what the 3 bucket strategy is and when we should start considering diversifying our retirement account to more than just target da...

How To Get Your Financial Life Together in 2025

24 Jan 2025

Contributed by Lukas

We know that Americans everywhere are feeling financially squeezed. People are continuing to feel the impact of increased living costs and inflation, ...

Falling Behind? The RIGHT Way to Catch Up This Year

22 Jan 2025

Contributed by Lukas

"Been watching Money Guy for a bit now. I'm having a hard time deciding where to start and I need to because I’m way behind. Eight percent going to ...

How to Buy a House in 2025!

20 Jan 2025

Contributed by Lukas

"​​Do you have guidelines on housing cost in relation to net worth or just income?" We'll walk you through that question and more in today's Q...

How to Make Your First $1,000,000 (And Then the Next Four)

17 Jan 2025

Contributed by Lukas

Our show, “Retiring with $1,000,000 (by age)” - showed you that $1M probably wasn’t enough for financial independence especially if you’re 10+...

How To Maximize Your 401(k) Strategy!

15 Jan 2025

Contributed by Lukas

"I’m 31. My 401(k) lets me pick a percentage for Roth and a percentage for Pre-Tax contributions. I have $7k in a Roth IRA, and plan to max out 401(...

What to Do with Bonus Money

13 Jan 2025

Contributed by Lukas

"With bonus season coming up, what is the best use of bonus money? Should you use your bonus to pay off debt and build your 6 months savings? Or shoul...

5 Levels of Wealth (2025 Edition)

10 Jan 2025

Contributed by Lukas

We believe there are five distinct levels of wealth, but they aren’t solely dependent on income or net worth. We’ll walk you through each of the f...

The Hard Truth About Helping Friends With Money

08 Jan 2025

Contributed by Lukas

"My stepson just turned 20. What is the best way to "teach" him about making his dollars work for him vs sounding like I am "preaching" about it?" ...

How to Combine Finances the RIGHT Way

06 Jan 2025

Contributed by Lukas

"Hi guys! My fiancé and I are getting married in December. As we look to merge our finances, what advice do you have for this transition process?" ...

Net Worth By Age (2025 Edition)

03 Jan 2025

Contributed by Lukas

It’s our FAVORITE time of year! Ever wondered if you're on track with your net worth? In this guide, we break down exactly where Americans stand fin...

Don't Make These Inheritance Mistakes!

01 Jan 2025

Contributed by Lukas

"​​Im 28 and on step 6 of the FOO. I will inherit $300k soon and I'm unsure where to put the money. I would like to retire early so taxable accoun...

"How Do I Buy an RV?"

30 Dec 2024

Contributed by Lukas

"How should I treat the purchase of an RV? Does this count as a luxury vehicle and need to pay cash or pay off in a year?" We'll walk you through ...

Financial Advisors React to Unhinged Money Advice on TikTok!

27 Dec 2024

Contributed by Lukas

Brian and Bo take on some of the most unhinged financial advice we've found on TikTok! Jump start your journey with our FREE financial resources...

Your Salary Structure is WHAT?

25 Dec 2024

Contributed by Lukas

"I have started a new job where I get paid 90% of my salary in 5 months. How do I go about planning this without running out of money before my pay ki...

Is THIS a Secret Investing Hack?

23 Dec 2024

Contributed by Lukas

"What are the money guys opinions on leveraged stocks? Maybe I’m missing something, but wouldn’t a 2x leverage S&P stock be a great investment in ...

4 Essential Tips to a Perfect Retirement

20 Dec 2024

Contributed by Lukas

We tend to not go into detail about retirement on the show because retirement is so unique. Wealth-building for the majority of people is more straigh...

Should I Slow Down Saving to Buy a Car?

18 Dec 2024

Contributed by Lukas

"My 23 YO daughter got married this weekend. She has no debt outside her home, has emergency fund, but needs a newer car. Should she reduce 401K down ...

I’m Losing 50% of My Income - What Now?

16 Dec 2024

Contributed by Lukas

"How would you approach a potential job change from a secure salaried job to commission based role? The new role would have a 50% cut in base pay but ...

Are You Richer Than Your Friends?

13 Dec 2024

Contributed by Lukas

Understanding where you fall on the financial spectrum - whether you're behind the curve, ahead of the curve, or right on the curve - can be an invalu...

How to Avoid Spending Anxiety

11 Dec 2024

Contributed by Lukas

"Wife and I are both 27. We are at about $100k liquid net worth. We started 6 years ago but are both becoming misers! We get terrible spending anxiety...

When to Start Drawing from Social Security

09 Dec 2024

Contributed by Lukas

"I'm 52 and looking to retire in the next 5ish years. My wife is 61, but I'm the higher earner. What should we think about on when to draw Social Secu...

Is $1,000,000 Enough? (By Age)

06 Dec 2024

Contributed by Lukas

It seems to be pretty accepted that $1M is not enough to retire or reach Financial Independence for the majority of Americans- especially under the ag...

When Always Be Buying Goes WRONG!

04 Dec 2024

Contributed by Lukas

"I’m obsessed with checking my accounts daily, and I have major FOMO if I don’t. Is there a downside to Dollar Cost Averaging daily instead of on ...

How Can I Know If I'm Saving Enough?

02 Dec 2024

Contributed by Lukas

"​​Even though I'm maxing out my 401(k) at work I don't feel like I'm saving enough. How do you deal with this feeling?" We'll walk you throug...

Is Home Ownership the Best Path to Wealth?

29 Nov 2024

Contributed by Lukas

We hear a lot of personal finance creators - and the American populace more broadly - talk about home ownership like it’s some one-way ticket to the...

300k In Debt - What Should I Do?!

27 Nov 2024

Contributed by Lukas

"My fiancée is graduating from med school in two years and will have 300k in loans before she starts residency (50k/year). I make 200k a year. How do...

What You Need to Know About Open Enrollment

25 Nov 2024

Contributed by Lukas

"Open Enrollment Question: When might an HSA/high deductible plan NOT be a good idea? What should I consider? I currently have a low deductible plan b...

Debt Questions EVERYONE Is Asking

22 Nov 2024

Contributed by Lukas

We know that debt can be dangerous. It can turn compound interest from your strongest ally into your fiercest foe. But we also know that financial mu...

How to Start a Business the RIGHT Way!

20 Nov 2024

Contributed by Lukas

"I would love to hear the money guys talk about starting a business and what the boiling point is to set up an official LLC, give similar FOO advice f...

2025 Tax Changes You Can’t Afford to Ignore!

18 Nov 2024

Contributed by Lukas

These are some tax changes you can’t afford to miss. November is the time for year-end tax planning. The IRS has recently released new, inflation-ad...

Financial Advisors React to Horrible Tax Advice on TikTok

15 Nov 2024

Contributed by Lukas

Brian and Bo take on some of the craziest tax advice we've found on TikTok! Jump start your journey with our FREE financial resources Reach you...

How to Do Financially in Crazy Times

13 Nov 2024

Contributed by Lukas

"My wife and I are in the messy middle. These times are crazy. What advice do you have to organize life and get through this season?" We'll walk y...

These Financial Experts Got It WRONG!

11 Nov 2024

Contributed by Lukas

Investopedia recently published a report stating they expect the average annual return over the next decade to shrink. It sure sounds a lot like what ...

The REAL Ways People Build Wealth

08 Nov 2024

Contributed by Lukas

It’s the show you’ve all been waiting for! As always, we show you the numbers here at the Money Guy show, and that’s exactly what we’re gonna...

How to Financially Prepare for Having a Baby

06 Nov 2024

Contributed by Lukas

"​​​​My wife and I are expecting a baby in March next year. She makes a significant part of our income and will be on maternity leave for abou...

Are You Driving Your Wealth Into The Ground?

04 Nov 2024

Contributed by Lukas

"​​My friend is underwater on their BMW. They always seem to be servicing it and can't afford to maintain it anymore, but it's valued at $43k and ...

9 Things to Do Before 2024 Ends

01 Nov 2024

Contributed by Lukas

It is never too early to start thinking about financial decisions you may need to make before the end of the year! Here are our top things you need to...

How to Do Money When You're Self-Employed

30 Oct 2024

Contributed by Lukas

"​​How does the FOO change if you’re self employed? My husband and I own our own businesses so we don’t have an employer match or 401K. Are th...

We're Launching a NEW SHOW!

28 Oct 2024

Contributed by Lukas

We're launching a brand-new show! While we can’t share all the details just yet, we can tell you this: we are SO excited. And here’s the best par...

Why Most People Don’t Invest (And Why They’re Wrong!)

25 Oct 2024

Contributed by Lukas

Fear plays a fascinating role in our lives, and our finances are no exception. One common fear that we see all the time that makes us so sad is the f...

Does Budgeting Actually Work?

23 Oct 2024

Contributed by Lukas

"Question about budgeting - A few episodes back, Bo mentioned that how he doesn’t do budgeting anymore but cash management. How does that technicall...

This Debt Mistake Could Cost You MILLIONS!

21 Oct 2024

Contributed by Lukas

"Does the FOO change if student loan balance is huge? My financed loan balance is almost $300k." We'll walk you through that question and more in ...

So You’re a Millionaire…Now What?

18 Oct 2024

Contributed by Lukas

Reaching a million-dollar portfolio is a significant milestone. But with a growing portfolio comes growing complexity. Here are 5 wealth tips to help...

"Should I Sell My Investments to Pay Off My Debt?"

16 Oct 2024

Contributed by Lukas

"My girlfriend and I are planning on moving in together early next year. I want to start fresh. Currently I have 14k in credit card debt, with roughly...

When Do You Reach the "Boiling Point" for Investing?

14 Oct 2024

Contributed by Lukas

"How do I know when I’m at the boiling point for investing?" We get that question all the time - so let's walk you through that question and more i...

Top 10 Mind-Blowing Money Stats (2024)

11 Oct 2024

Contributed by Lukas

These 10 money stats will blow your mind! We’ll discuss the unbelievable amount of money Americans save, when most reach millionaire status, and how...

Are You Doing Better Than the Average American?

09 Oct 2024

Contributed by Lukas

We’re so excited to announce the launch of the Financial Mutant Survey! We want YOU to help us create this upcoming Money Guy episode and inform fut...

The Worst 401(k) Mistakes We’ve Seen!

07 Oct 2024

Contributed by Lukas

"I just started investing in my 401(k). I think I have it set up right, but it's all so new that I'm worried I'm going to miss something and make a mi...

Is THIS Investing Mistake Costing You Millions?

04 Oct 2024

Contributed by Lukas

"I'm 33 years old with a decent amount of debt. I'm worried about time missed out of the market so i'm maxing my Roth IRA before paying my high intere...

The Fed Just SLASHED Rates - What You NEED To Know!

02 Oct 2024

Contributed by Lukas

The Fed recently cut the rates by 0.5%, making the new target rate 4.75%-5.00%. Why did they cut the rate? And what does this mean for you? Let's wal...

Should I Refinance My Mortgage?

30 Sep 2024

Contributed by Lukas

"With the Fed meeting today, and projections saying that they will drop rates a half percent, at what point should I pull the trigger and refinance?" ...

Financial Lies That Are Going VIRAL (Part 2)

27 Sep 2024

Contributed by Lukas

We're back to debunk even more of the biggest financial lies that we see all the time on the internet, to help you understand what’s real, what’s ...

“Should I Make My Kids Get A Prenup?”

25 Sep 2024

Contributed by Lukas

"My 28-year old kid is getting married in December and has a 6-figure net worth. I want to make them get a prenup before they get married, but am wond...

What Should You Do in a Recession?

23 Sep 2024

Contributed by Lukas

"What should financial mutants be doing if the market seems to be on the brink of a recession?" We'll walk you through that question and more in t...

How to Be Wealthy By Age! (2025 Edition)

20 Sep 2024

Contributed by Lukas

It can be hard to know what makes someone “wealthy” depending on where they are in their journey. So, here are some wealth checkpoints you could ...