Our guest this episode is Andrew Hallam—bestselling author of “Millionaire Teacher,” “Millionaire Expat” and “Balance.” Andrew’s journey into personal finance started in an unlikely place: at 19 years old, he met a millionaire mechanic who taught him that building wealth isn’t about earning a high salary — it’s about making your money work harder than you do. Since then, Andrew has become one of the most respected voices in financial literacy, known for his practical and globally minded approach to investing and life. In this conversation, Dave and Andrew discuss everything from the timeless principles of index investing and global diversification to the rise of robo-advisors and the pros and cons of real estate investing. Andrew also opens up about his nomadic lifestyle and shares lessons from his book Balance — on finding happiness, health, and purpose beyond the pursuit of money. It’s an inspiring and insightful episode for anyone looking to build wealth and a better life. Show Notes (00:00) Intro & Disclaimer (00:55) Intro to Andrew Hallam (01:30) How Andrew First Learned About Finance (03:13) How a Teacher Became a Bestselling Personal-Finance Author (11:59) How one Key Review Led to Massive Sales (15:16) Does the Millionaire Teacher Still Believe in Index Investing? (17:57) All-in-One Asset-Allocation ETFs (19:27) Chasing Active Outperformance (23:27) Robo-Advisors vs. Asset-Allocation ETFs (25:48) The Importance of Global Diversification (29:29) Real Estate Investing (32:23) Andrew’s Nomadic Lifestyle (36:26) Finding Balance in Life (42:17) What Changes Are Needed to The Financial Industry? (47:28) Conclusion

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“What did the council decide on item 42?” — answered with the speaker and the moment.