Money Guy Show

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Financial advisors react to outrageous money advice from Dave Ramsey, viral finance influencers, and the internet's wildest money clips! Brian and Bo break down expensive car payments, AI investment advice, hidden wealth, costly tax mistakes, and the financial decisions that could derail your future. Should you always pay cash for a car? Can AI really help lower investment fees? And why do some people look rich while actually being broke? From the 20/3/8 car-buying rule to smart investing and emergency fund strategies, discover which viral money tips are worth following—and which deserve a second look.

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This episode brought to you by Abound Wealth. Take the relationship to the next level and become a client: https://moneyguy.com/become-a-client/ Building wealth, saving for retirement, and managing debt look different when you see the actual numbers. More than 20,000 Money Guy viewers shared their financial lives, and some results surprised even us. Brian and Bo break down net worth by age, household income, savings rates, car ownership, housing costs, credit cards, and emergency funds. How much are our viewers investing—and what spending habits stand out? Whether you’re in your 20s, navigating the messy middle, or getting serious about money after 35, explore what this audience survey reveals about financial independence, everyday choices, and turning income into wealth.

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Bring confidence to your wealth building with simplified strategies from The Money Guy. Learn how to apply financial tactics that go beyond common sense and help you reach your money goals faster. Make your assets do the heavy lifting so you can quit worrying and start living a more fulfilled life.

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Private equity is becoming more accessible to everyday investors—and it could eventually show up inside your 401(k) and target-date funds. But how does private equity actually work, and does it deserve a place in your investment portfolio? We break down private equity vs. the stock market, historical returns, illiquidity, leverage, the “2 and 20” fee structure, diversification, and the risks investors need to understand. Plus, we explain where alternative investments could fit within the Financial Order of Operations, why low-cost index funds remain the foundation for most investors, and what to research before putting retirement money into private markets.

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Should you keep investing during a career change, or build your emergency fund first? Brad and Haylee are in their 30s with three kids, a $173,000 net worth, retirement savings, and suddenly much less predictable household income. Brian and Bo break down how to manage money during a career transition, when to prioritize cash savings over Roth IRA and 401(k) contributions, why the employer match still matters, and how much emergency savings a family may need with variable income. They also explore financial advisor careers, retirement planning, family finances, cash flow, home-buying goals, and setting a realistic timeline for a career change.

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Bring confidence to your wealth building with simplified strategies from The Money Guy. Learn how to apply financial tactics that go beyond common sense and help you reach your money goals faster. Make your assets do the heavy lifting so you can quit worrying and start living a more fulfilled life.

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Americans are carrying staggering amounts of debt by age, but how does your debt compare? Brian and Bo break down the average debt for Gen Z, Millennials, and Gen X, including credit card debt, student loans, car loans, and mortgages. More importantly, they explain which debts could derail your investing, retirement savings, emergency fund, and path to financial independence. Whether you're wondering how much debt is normal for your age, when to pay off debt vs. invest, how much car you can afford, or whether you should pay off your mortgage early, this episode gives you a framework for making smarter money decisions.

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Bring confidence to your wealth building with simplified strategies from The Money Guy. Learn how to apply financial tactics that go beyond common sense and help you reach your money goals faster. Make your assets do the heavy lifting so you can quit worrying and start living a more fulfilled life.

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You can check out Jasmine’s content here: https://www.youtube.com/@taxleverage Can viral tax hacks actually land you in prison? Tax attorney, CPA, and Enrolled Agent Jasmine DiLucci joins Brian and Bo to separate legal tax avoidance from illegal tax evasion. From writing off your car and home office to hiring your kids, deducting vacations, and moving to Puerto Rico, we're examining popular tax advice to find out what actually works—and what could create serious IRS problems. Plus, discover legitimate tax planning strategies involving 401(k)s, Roth accounts, real estate, business deductions, and the three tax buckets that can help you build a more tax-efficient financial future.

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Bring confidence to your wealth building with simplified strategies from The Money Guy. Learn how to apply financial tactics that go beyond common sense and help you reach your money goals faster. Make your assets do the heavy lifting so you can quit worrying and start living a more fulfilled life.

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⁠⁠⁠⁠Is viral financial advice helping you build wealth—or leading you toward costly money mistakes? Financial advisors Brian and Bo react to internet money gurus and break down the truth about 401(k) investing, Roth vs. traditional retirement accounts, financial advisor fees, real estate investing, tax deductions, and paying off your mortgage early. Should you cash out your 401(k) to buy rental property? Is paying a financial advisor 1% worth it? And when does a traditional 401(k) make more sense than a Roth? Discover how smart investing, tax planning, and the Financial Order of Operations can help you make better decisions for financial independence.

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Bring confidence to your wealth building with simplified strategies from The Money Guy. Learn how to apply financial tactics that go beyond common sense and help you reach your money goals faster. Make your assets do the heavy lifting so you can quit worrying and start living a more fulfilled life.

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From retirement savings and 401(k)s to credit card debt, mortgage rates, car loans, student loans, and investing, these 10 mind-blowing money statistics reveal what's happening to Americans' finances in 2026. Brian and Bo break down why first-time homebuyers are getting older, Americans are saving less, workers are missing employer 401(k) matches, Gen Z is redirecting investment dollars toward sports betting, and nearly half of non-retirees question whether they'll ever retire. More importantly, you'll learn practical personal finance strategies for saving 25%, investing for retirement, eliminating high-interest debt, controlling lifestyle creep, and building long-term financial independence.

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Bring confidence to your wealth building with simplified strategies from The Money Guy. Learn how to apply financial tactics that go beyond common sense and help you reach your money goals faster. Make your assets do the heavy lifting so you can quit worrying and start living a more fulfilled life.

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How much income puts you in the top 10% of Americans? The answer might surprise you! According to U.S. income percentile data, earning around $163,000 annually puts an individual in the top 10% of earners. But does a six-figure salary actually make you wealthy? We break down average and median income, top 10% and top 1% income thresholds, and how age, education, and location affect your earning potential. Plus, discover practical ways to increase your income, avoid lifestyle inflation, improve your savings rate, and invest for long-term financial independence. Because building wealth isn't just about what you earn—it's about what you keep!

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Bring confidence to your wealth building with simplified strategies from The Money Guy. Learn how to apply financial tactics that go beyond common sense and help you reach your money goals faster. Make your assets do the heavy lifting so you can quit worrying and start living a more fulfilled life.

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Bring confidence to your wealth building with simplified strategies from The Money Guy. Learn how to apply financial tactics that go beyond common sense and help you reach your money goals faster. Make your assets do the heavy lifting so you can quit worrying and start living a more fulfilled life.

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Order Christy Carlson’s Romano’s new book ‘Once Upon a Trainwreck” here: https://www.simonandschuster.com/books/Once-Upon-a-Trainwreck/Christy-Carlson-Romano/9781668082218 Follow Christy here: https://linktr.ee/TheChristyCarlsonRomano Former Disney star Christy Carlson Romano reveals what really happened to her money after Even Stevens, Kim Possible, and Cadet Kelly. From making seven figures at a young age to lifestyle inflation, financial mistakes, debt, budgeting, and eventually investing in index funds, Christy joins Brian and Bo to unpack the money lessons fame never taught her. They discuss how to recover from financial mistakes, build wealth after starting over, teach kids about money, use a Roth IRA, avoid lifestyle creep, and create a healthier relationship with money—proving that a high income and true financial independence are two very different things.

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Bring confidence to your wealth building with simplified strategies from The Money Guy. Learn how to apply financial tactics that go beyond common sense and help you reach your money goals faster. Make your assets do the heavy lifting so you can quit worrying and start living a more fulfilled life.

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⁠⁠⁠⁠Roth conversions can be an incredible retirement tax-planning tool—but doing one at the wrong time could leave you paying more in taxes than necessary. Brian and Bo break down 5 situations where a Roth conversion may not make sense, including high-income years, future tax brackets, paying conversion taxes from your IRA, estate planning, and state income taxes. If you’re wondering when to do a Roth conversion, whether Roth or Traditional is better, or how Roth conversions affect retirement taxes and RMDs, this episode will help you understand the numbers you should consider before making the move.

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Bring confidence to your wealth building with simplified strategies from The Money Guy. Learn how to apply financial tactics that go beyond common sense and help you reach your money goals faster. Make your assets do the heavy lifting so you can quit worrying and start living a more fulfilled life.

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Start a free trial, and get 50% off your first year of Monarch Core Tier with code MONEYGUY at https://bit.ly/monarch-moneyguy Financial advisors react to hilarious money advice, investing memes, budgeting fails, sports betting, home buying, and viral personal finance clips from across the internet. Brian and Bo break down why gambling isn’t investing, whether simple S&P 500 index fund investing can beat an overly complicated strategy, how to budget and live below your means, and why buying a house feels so difficult right now. If you’re trying to build wealth, improve your investing strategy, save more money, understand home affordability, or reach financial independence without making money unnecessarily complicated, these funny financial clips contain some surprisingly valuable lessons.

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Bring confidence to your wealth building with simplified strategies from The Money Guy. Learn how to apply financial tactics that go beyond common sense and help you reach your money goals faster. Make your assets do the heavy lifting so you can quit worrying and start living a more fulfilled life.

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DIY investing can be a powerful way to build wealth—but even experienced investors can make costly portfolio mistakes. Brian and Bo break down 7 common investing mistakes, including overlapping index funds and ETFs, poor asset location between Roth IRAs, 401(k)s and brokerage accounts, taking the wrong amount of investment risk, forgotten retirement accounts, outdated beneficiaries and trying to time the stock market. You’ll learn how diversification, tax-efficient investing, portfolio rebalancing, dollar-cost averaging and smarter retirement planning can help you build a more intentional investment strategy—and how to recognize when your financial life may be getting too complex to manage alone.

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Bring confidence to your wealth building with simplified strategies from The Money Guy. Learn how to apply financial tactics that go beyond common sense and help you reach your money goals faster. Make your assets do the heavy lifting so you can quit worrying and start living a more fulfilled life.

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Are you actually building wealth, or are your money habits quietly holding you back? Inspired by the traits in The Millionaire Next Door, Brian and Bo break down 7 habits of wealth builders and everyday millionaires—from living below your means and investing intentionally to avoiding lifestyle inflation, raising financially independent kids, and choosing a career that creates opportunity. Learn how disciplined saving, investing, budgeting, financial independence, and smart money decisions can shape your long-term net worth. If you’ve wondered how millionaires build wealth, what wealthy people do differently, or whether you’re on the path to financial freedom, these seven questions can help you evaluate your progress.

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Bring confidence to your wealth building with simplified strategies from The Money Guy. Learn how to apply financial tactics that go beyond common sense and help you reach your money goals faster. Make your assets do the heavy lifting so you can quit worrying and start living a more fulfilled life.

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Making $400,000 a year sounds like financial freedom—but a high income doesn’t automatically build wealth. In this Making a Millionaire episode, Brian and Bo help a millionaire couple confront lifestyle creep, a 15% savings rate, HELOC debt, emergency savings, early retirement planning, Backdoor Roth IRAs, 401(k)s, and the real cost of spending more as your income grows. Can they retire early while traveling, raising kids, and enjoying their money today? See how a financial plan, higher savings rate, debt payoff strategy, and disciplined investing could turn their incredible income into lasting financial independence.

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Bring confidence to your wealth building with simplified strategies from The Money Guy. Learn how to apply financial tactics that go beyond common sense and help you reach your money goals faster. Make your assets do the heavy lifting so you can quit worrying and start living a more fulfilled life.

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⁠⁠⁠⁠Start a free trial, and get 50% off your first year of Monarch Core Tier with code MONEYGUY at https://bit.ly/monarch-moneyguy If you’re in your 30s or 40s, this could be one of the most important wealth-building periods of your life. Brian and Bo explain why ages 32–48 create a powerful “wealth window” where rising income, compound growth, retirement investing, and smart financial planning can work together. You’ll learn why reaching your first $100,000 invested matters, how much to save for retirement, why a 20–25% savings rate can be so powerful, and how lifestyle inflation, credit card debt, housing costs, and missed 401(k) opportunities can derail your progress. Whether you’re investing at 30, building wealth at 40, or wondering if you’re on track for retirement, this episode gives you a framework for making the most of these critical years.

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Bring confidence to your wealth building with simplified strategies from The Money Guy. Learn how to apply financial tactics that go beyond common sense and help you reach your money goals faster. Make your assets do the heavy lifting so you can quit worrying and start living a more fulfilled life.

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Home prices are falling in parts of the U.S. housing market, but does that mean 2026 is finally a good time to buy a house? We break down falling home prices, mortgage rates, housing inventory, first-time homebuyer affordability, and why new construction can now cost less than existing homes. You’ll also learn what today’s changing real estate market means for buyers and sellers, how to know how much house you can afford, and why our 3/5/25 home-buying rule can help keep housing from squeezing the rest of your financial life.

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Bring confidence to your wealth building with simplified strategies from The Money Guy. Learn how to apply financial tactics that go beyond common sense and help you reach your money goals faster. Make your assets do the heavy lifting so you can quit worrying and start living a more fulfilled life.

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Brian and Bo react to some of the most unbelievable personal finance advice, money mistakes, and investing decisions on the internet. From inflation and future home prices to buying too much house, spending while in debt, retirement withdrawal strategies, sequence of returns risk, and extreme frugality, they break down what smart money management actually looks like. Whether you’re trying to build wealth, save for retirement, get out of debt, buy a home, or reach financial independence, these real-world examples reveal why creating margin, investing consistently, and following the Financial Order of Operations can matter more than flashy financial shortcuts.

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Bring confidence to your wealth building with simplified strategies from The Money Guy. Learn how to apply financial tactics that go beyond common sense and help you reach your money goals faster. Make your assets do the heavy lifting so you can quit worrying and start living a more fulfilled life.

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Where do wealthy people put their money, and what money habits can you copy to build wealth yourself? Brian and Bo break down what the top 10% and millionaires actually own—from stocks, 401(k)s, real estate, businesses, and homes to the surprising ways wealthy people spend on time, health, and cars. You’ll learn how consistent investing, low-cost index funds, tax-advantaged retirement accounts, HSAs, smart homeownership, and responsible spending fit into long-term wealth building. If you’ve wondered how rich people invest, what millionaires do with their money, or how to build wealth without looking rich, this episode breaks down the data.

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Bring confidence to your wealth building with simplified strategies from The Money Guy. Learn how to apply financial tactics that go beyond common sense and help you reach your money goals faster. Make your assets do the heavy lifting so you can quit worrying and start living a more fulfilled life.

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