Marriage Kids and Money: Personal Finance for Families

Nir Eyal is on a mission to help us all become indistractable. Technology has done a lot of wonderful things for us over the last decade. Tasks that were once extremely time-consuming or monotonous are now a lot more simple. On the flip side, we can become extremely distracted by technology and it can keep us from focusing on what matters most. And for me, that’s family. Nir shares how parents, like me, can control our attention and choose our lives ... while still living with the benefits of technology. RESOURCES **Sponsor + Partners + Deals: https://www.marriagekidsandmoney.com/sponsors Firstly: Smart budgeting tools and real-life advice to get you on the path to family financial wellness. Learn more today! Nir and Far (Website) Indistractable: How to Control Your Attention and Choose Your Life (Book) GUEST BIO – Nir Eyal Nir Eyal writes, consults, and teaches about the intersection of psychology, technology, and business. Nir previously taught as a Lecturer in Marketing at the Stanford Graduate School of Business and the Hasso Plattner Institute of Design at Stanford. Nir co-founded and sold two tech companies since 2003 and was dubbed by The M.I.T. Technology Review as, “The Prophet of Habit-Forming Technology.” Bloomberg Businessweek wrote, “Nir Eyal is the habits guy. Want to understand how to get app users to come back again and again? Then Eyal is your man.” He is the author of two bestselling books, Hooked: How to Build Habit-Forming Products and Indistractable: How to Control Your Attention and Choose Your Life. OTHER EPISODES YOU MIGHT LIKE Family Wealth and Happiness: 10 Steps to a Better Tomorrow (Today) How We Paid Off Our 15 Year Mortgage in 5 Years 50% to 10%: Why We're Happy Saving Less in FIRE Journey MKM RESOURCES MKM Coaching: Request your free 15-minute consultation YouTube Instagram Voicemail DISCLAIMER This show may contain affiliate links or links from our advertisers where we earn a commission, direct payment or products. Opinions are the creators alone. Information shared on this podcast is for entertainment purposes only and should not be considered as professional advice. Marriage Kids and Money (www.marriagekidsandmoney.com) is a participant in the Amazon Services LLC Associates Program, an affiliate advertising program designed to provide a means for sites to earn advertising fees by advertising and linking to amazon.com. Learn more about your ad choices. Visit megaphone.fm/adchoices

Does it make sense to pay off your mortgage if you lose the mortgage interest tax deduction? This is a common question people struggle with who are considering paying off their mortgage. Let's explore if keeping your mortgage for the tax savings makes sense. Also, we hear from Jon Banker from Colorado who recently paid off his mortgage early. We discuss why he did this even with a mortgage at 3% interest. Last, but not least, my son Calvin joins me for a new segment called "The Good Word". RESOURCES **Sponsor + Partners + Deals: https://www.marriagekidsandmoney.com/sponsors Firstly: Smart budgeting tools and real-life advice to get you on the path to family financial wellness. Learn more today! "The Good Word" Story of the Month OTHER EPISODES YOU MIGHT LIKE Family Wealth and Happiness: 10 Steps to a Better Tomorrow (Today) 10 Incredible Benefits of a Paid Off Home 50% to 10%: Why We're Happy Saving Less in FIRE Journey MKM RESOURCES MKM Coaching: Request your free 15-minute consultation YouTube Instagram Voicemail DISCLAIMER This show may contain affiliate links or links from our advertisers where we earn a commission, direct payment or products. Opinions are the creators alone. Information shared on this podcast is for entertainment purposes only and should not be considered as professional advice. Marriage Kids and Money (www.marriagekidsandmoney.com) is a participant in the Amazon Services LLC Associates Program, an affiliate advertising program designed to provide a means for sites to earn advertising fees by advertising and linking to amazon.com Learn more about your ad choices. Visit megaphone.fm/adchoices

I have a bad habit of trying to solve my wife's problems ... when she's not asking for me to solve them. Does this happen in your relationship? Nicole and I discuss this reoccurring bad habit of mine and ways I can work to become a better listener and partner. BREAD & WINE RESOURCES Buy Us a Cheap Bottle of Wine: And we'll give you a shoutout during the show - thanks for the support! MKM RESOURCES **Sponsor + Partners + Deals: https://www.marriagekidsandmoney.com/sponsors Instagram Voicemail Leave a Review: Apple Podcasts Leave a Rating: Spotify DISCLAIMER This show may contain affiliate links or links from our advertisers where we earn a commission, direct payment or products. Opinions are the creators alone. Information shared on this podcast is for entertainment purposes only and should not be considered as professional advice. Marriage Kids and Money (www.marriagekidsandmoney.com) is a participant in the Amazon Services LLC Associates Program, an affiliate advertising program designed to provide a means for sites to earn advertising fees by advertising and linking to amazon.com. Learn more about your ad choices. Visit megaphone.fm/adchoices

Saving and investing can be a smart idea for most everyone. But without a definition of WHAT we're saving and investing for, we can lose motivation and interest. Joe Saul-Sehy, Author of the new book "Stacked: Your Super Serious Guide to Modern Money Management", joins us to share how we can define our investing goals and how we can have fun along the way. RESOURCES **Sponsor + Partners + Deals: https://www.marriagekidsandmoney.com/sponsors Firstly: Smart budgeting tools and real-life advice to get you on the path to family financial wellness. Learn more today! Stacking Benjamins (Website) Stacked: Your Super Serious Guide to Modern Money Management (Book) OTHER EPISODES YOU MIGHT LIKE Family Wealth and Happiness: 10 Steps to a Better Tomorrow (Today) How We Paid Off Our 15 Year Mortgage in 5 Years 50% to 10%: Why We're Happy Saving Less in FIRE Journey MKM RESOURCES MKM Coaching: Request your free 15-minute consultation YouTube Instagram Voicemail DISCLAIMER This show may contain affiliate links or links from our advertisers where we earn a commission, direct payment or products. Opinions are the creators alone. Information shared on this podcast is for entertainment purposes only and should not be considered as professional advice. Marriage Kids and Money (www.marriagekidsandmoney.com) is a participant in the Amazon Services LLC Associates Program, an affiliate advertising program designed to provide a means for sites to earn advertising fees by advertising and linking to amazon.com. Learn more about your ad choices. Visit megaphone.fm/adchoices

You've lived a long life and you're about to die. How will you measure your life? Nicole and I discuss the answer to this question in our latest episode of Bread & Wine with the support of one of our listeners, Phil from Chicago! BREAD & WINE RESOURCES How Will You Measure Your Life by Clayton Christensen (the article we discuss on the show) How to Create a Family Manifesto (Big Life Journal) Buy Us a Cheap Bottle of Wine: And we'll give you a shoutout during the show - thanks for the support! MKM RESOURCES **Sponsor + Partners + Deals: https://www.marriagekidsandmoney.com/sponsors Instagram Voicemail Leave a Review: Apple Podcasts Leave a Rating: Spotify DISCLAIMER This show may contain affiliate links or links from our advertisers where we earn a commission, direct payment or products. Opinions are the creators alone. Information shared on this podcast is for entertainment purposes only and should not be considered as professional advice. Marriage Kids and Money (www.marriagekidsandmoney.com) is a participant in the Amazon Services LLC Associates Program, an affiliate advertising program designed to provide a means for sites to earn advertising fees by advertising and linking to amazon.com. Learn more about your ad choices. Visit megaphone.fm/adchoices

Are you interested in Coast FIRE but don't know how to find out when you've achieved it? We answer a 44-year old listener question today who has $750,000 saved and wonders if they are Coast FIRE. Second, we're back with an MKM Challenge! We're challenging you to set 3 SMART Financial Goals. For those that don't know where to start, we've got 10 ideas for you. RESOURCES **Sponsor + Partners + Deals: https://www.marriagekidsandmoney.com/sponsors Compound Interest Calculator: Find out if you're Coast FIRE. Personal Capital: Track your net worth for free and get a $20 gift Amazon gift card when you sign up. Terms and conditions apply. Trust & Will: Get your last will and testament today. Quotacy: Grab a term life insurance policy and protect your family. OTHER EPISODES YOU MIGHT LIKE Family Wealth and Happiness: 10 Steps to a Better Tomorrow (Today) How We Paid Off Our 15 Year Mortgage in 5 Years 50% to 10%: Why We're Happy Saving Less in FIRE Journey MKM RESOURCES MKM Coaching: Request your free 15-minute consultation YouTube Instagram Voicemail DISCLAIMER This show may contain affiliate links or links from our advertisers where we earn a commission, direct payment or products. Opinions are the creators alone. Information shared on this podcast is for entertainment purposes only and should not be considered as professional advice. Marriage Kids and Money (www.marriagekidsandmoney.com) is a participant in the Amazon Services LLC Associates Program, an affiliate advertising program designed to provide a means for sites to earn advertising fees by advertising and linking to amazon.com. Learn more about your ad choices. Visit megaphone.fm/adchoices

Are you pursuing the FIRE Movement ... but losing your fire for it? That's what Lisa Harrison was feeling. After pushing hard to achieve early retirement, Lisa had a change of heart. In this BEST OF MKM episode from 2019, we hear why Lisa said goodbye to FIRE for good. RESOURCES **Sponsor + Partners + Deals: https://www.marriagekidsandmoney.com/sponsors Firstly: Smart budgeting tools and real-life advice to get you on the path to family financial wellness. Learn more today! Mad Money Monster: Lisa Harrison's Website OTHER EPISODES YOU MIGHT LIKE Family Wealth and Happiness: 10 Steps to a Better Tomorrow (Today) How We Paid Off Our 15 Year Mortgage in 5 Years 50% to 10%: Why We're Happy Saving Less in FIRE Journey MKM RESOURCES MKM Coaching: Request your free 15-minute consultation YouTube Instagram Voicemail DISCLAIMER This show may contain affiliate links or links from our advertisers where we earn a commission, direct payment or products. Opinions are the creators alone. Information shared on this podcast is for entertainment purposes only and should not be considered as professional advice. Marriage Kids and Money (www.marriagekidsandmoney.com) is a participant in the Amazon Services LLC Associates Program, an affiliate advertising program designed to provide a means for sites to earn advertising fees by advertising and linking to amazon.com. Learn more about your ad choices. Visit megaphone.fm/adchoices

It's the end of my second year as a small business owner! To commemorate this online content creator adventure I've been on, I'm sharing another BEST OF MKM episode from early 2020. This one is the 10 steps I took to go from employee to business owner. And second, I share an update on my business after two years in! I'll discuss revenue, the failures I've had, and the wins as well. RESOURCES **Sponsor + Partners + Deals: https://www.marriagekidsandmoney.com/sponsors Firstly: Smart budgeting tools and real-life advice to get you on the path to family financial wellness. Learn more today! HealthCare.Gov: How we got health insurance and dental insurance for small business owners OTHER EPISODES YOU MIGHT LIKE Family Wealth and Happiness: 10 Steps to a Better Tomorrow (Today) How We Paid Off Our 15 Year Mortgage in 5 Years 50% to 10%: Why We're Happy Saving Less in FIRE Journey MKM RESOURCES MKM Coaching: Request your free 15-minute consultation YouTube Instagram Voicemail DISCLAIMER This show may contain affiliate links or links from our advertisers where we earn a commission, direct payment or products. Opinions are the creators alone. Information shared on this podcast is for entertainment purposes only and should not be considered as professional advice. Marriage Kids and Money (www.marriagekidsandmoney.com) is a participant in the Amazon Services LLC Associates Program, an affiliate advertising program designed to provide a means for sites to earn advertising fees by advertising and linking to amazon.com. Learn more about your ad choices. Visit megaphone.fm/adchoices

Giving is incredibly personal. As Nicole and I continue to discover how we want to give, we ask each other what is the right way to give for our family. With different opinions on the subject, we discuss how we've been giving and any changes we want to make in the future. How do you like to give? BREAD & WINE RESOURCES Buy Us a Cheap Bottle of Wine: And we'll give you a shoutout during the show - thanks for the idea, Jacob! MKM RESOURCES **Sponsor + Partners + Deals: https://www.marriagekidsandmoney.com/sponsors Instagram Voicemail Leave a Review: Apple Podcasts DISCLAIMER This show may contain affiliate links or links from our advertisers where we earn a commission, direct payment or products. Opinions are the creators alone. Information shared on this podcast is for entertainment purposes only and should not be considered as professional advice. Marriage Kids and Money (www.marriagekidsandmoney.com) is a participant in the Amazon Services LLC Associates Program, an affiliate advertising program designed to provide a means for sites to earn advertising fees by advertising and linking to amazon.com. Learn more about your ad choices. Visit megaphone.fm/adchoices

Why do you give? If you ask five people this question, you're likely to get five different--and highly personal--answers. But for many people, the idea of charitable giving is often rooted in their culture or religion. Today, I'm diving deeper into religion and giving by interviewing three different faith leaders in Christianity, Judaism and Islam. RESOURCES **Sponsor + Partners + Deals: https://www.marriagekidsandmoney.com/sponsors Firstly: Smart budgeting tools and real-life advice to get you on the path to family financial wellness. Learn more today! Justin Warns: Kensington Church and Instagram (Personal) Qasim Rashid: Instagram Dave Mason: Instagram OTHER EPISODES YOU MIGHT LIKE Family Wealth and Happiness: 10 Steps to a Better Tomorrow (Today) Dave Mason: 3 Ways to Give Back on your Financial Independence Journey Charitable Giving Strategies: How to Make Lasting Family Traditions of Generosity MKM RESOURCES YouTube Instagram Voicemail DISCLAIMER This show may contain affiliate links or links from our advertisers where we earn a commission, direct payment or products. Opinions are the creators alone. Information shared on this podcast is for entertainment purposes only and should not be considered as professional advice. Marriage Kids and Money (www.marriagekidsandmoney.com) is a participant in the Amazon Services LLC Associates Program, an affiliate advertising program designed to provide a means for sites to earn advertising fees by advertising and linking to amazon.com. Learn more about your ad choices. Visit megaphone.fm/adchoices

Recently, I shared a video on how our family lives comfortably on $80,000 per year. Some of the comments I received said this was definitely not enough to be comfortable, while others said that was plenty. That begs the question ... how much is enough to live comfortably? Nicole and I explore the topic after a conversation she had recently with a friend. BREAD & WINE RESOURCES FamZoo: Prepaid debit cards for kids and financial education all in one! Use promo code “MKMFAMZOO” for an extra month of FamZoo! Buy Us a Cheap Bottle of Wine: And we'll give you a shoutout during the show - thanks for the idea, Jacob! MKM RESOURCES **Sponsor + Partners + Deals: https://www.marriagekidsandmoney.com/sponsors Instagram Voicemail Leave a Review: Apple Podcasts DISCLAIMER This show may contain affiliate links or links from our advertisers where we earn a commission, direct payment or products. Opinions are the creators alone. Information shared on this podcast is for entertainment purposes only and should not be considered as professional advice. Marriage Kids and Money (www.marriagekidsandmoney.com) is a participant in the Amazon Services LLC Associates Program, an affiliate advertising program designed to provide a means for sites to earn advertising fees by advertising and linking to amazon.com. Learn more about your ad choices. Visit megaphone.fm/adchoices

Two years ago, we received a $30,000 inheritance after my mother-in-law passed away from cancer. We wanted to honor her legacy. Here's what we did. Also, Michael Thatcher from Charity Navigator, shares how we can all intelligently give this holiday season. Last but not least, Zoey joins me for another Money Quiz. We're talking giving, hot tubs, and popcorn! RESOURCES **Sponsor + Partners + Deals: https://www.marriagekidsandmoney.com/sponsors Firstly: Smart budgeting tools and real-life advice to get you on the path to family financial wellness. Learn more today! FamZoo: Prepaid cards and financial education for kids, all in one award-winning app. Use the promo code MKMFAMZOO at check out for an extra month. Vanguard: Trusted low-cost brokerage partner M1 Finance: Intuitive, tech-forward low-cost brokerage partner XY Planning Network: Fee-only Financial Planner Professionals OTHER EPISODES YOU MIGHT LIKE We Make $100k Per Year But Feel Stuck The 10 Steps I Took to Quit My Job and Start My Business 10 Incredible Benefits of a Paid Off House MKM RESOURCES YouTube Instagram Voicemail DISCLAIMER This show may contain affiliate links or links from our advertisers where we earn a commission, direct payment or products. Opinions are the creators alone. Information shared on this podcast is for entertainment purposes only and should not be considered as professional advice. Marriage Kids and Money (www.marriagekidsandmoney.com) is a participant in the Amazon Services LLC Associates Program, an affiliate advertising program designed to provide a means for sites to earn advertising fees by advertising and linking to amazon.com. Learn more about your ad choices. Visit megaphone.fm/adchoices

You're having a conversation with a friend about someone else who's not there. We've all done it. When does this cross the line into gossip? And is all gossip bad? Nicole and I discuss recent events of gossip in our lives and whether or not we were right or wrong. BREAD & WINE RESOURCES FamZoo: Prepaid debit cards for kids and financial education all in one! Use promo code “MKMFAMZOO” for an extra month of FamZoo! Buy Us a Cheap Bottle of Wine: And we'll give you a shoutout during the show - thanks for the idea, Jacob! MKM RESOURCES **Sponsor + Partners + Deals: https://www.marriagekidsandmoney.com/sponsors YouTube Instagram Voicemail DISCLAIMER This show may contain affiliate links or links from our advertisers where we earn a commission, direct payment or products. Opinions are the creators alone. Information shared on this podcast is for entertainment purposes only and should not be considered as professional advice. Marriage Kids and Money (www.marriagekidsandmoney.com) is a participant in the Amazon Services LLC Associates Program, an affiliate advertising program designed to provide a means for sites to earn advertising fees by advertising and linking to amazon.com. Learn more about your ad choices. Visit megaphone.fm/adchoices

Julie is frustrated. She's making nearly $100,000 per year and can't seem to get ahead. After hearing lots of "work harder" advice online and not having enough hours in the day, she wants to give up. In this Best of MKM episode (2019), I do my best to help Julie move forward. Also, I'm throwing down another MKM Challenge! It's that time of year again for Big Tip Tuesday. I'm all about giving back to our hard-working neighbors in the service industry. I hope you'll join me! RESOURCES **Sponsor + Partners + Deals: https://www.marriagekidsandmoney.com/sponsors Firstly: Smart budgeting tools and real-life advice to get you on the path to family financial wellness. Learn more today! FamZoo: Prepaid cards and financial education for kids, all in one award-winning app. Use the promo code MKMFAMZOO at check out for an extra month. Tello: MVNO Cell Phone Plan Credible: Refinance Private Student Loans OTHER EPISODES YOU MIGHT LIKE Decreased our Spending by $20k + Increased our Fun by $10k The 10 Steps I Took to Quit My Job and Start My Business 10 Incredible Benefits of a Paid Off House MKM RESOURCES YouTube Instagram Voicemail Thriving Families Facebook Community DISCLAIMER This show may contain affiliate links or links from our advertisers where we earn a commission, direct payment or products. Opinions are the creators alone. Information shared on this podcast is for entertainment purposes only and should not be considered as professional advice. Marriage Kids and Money (www.marriagekidsandmoney.com) is a participant in the Amazon Services LLC Associates Program, an affiliate advertising program designed to provide a means for sites to earn advertising fees by advertising and linking to amazon.com. Learn more about your ad choices. Visit megaphone.fm/adchoices

It's been over 10 years since our family jumped on the Dave Ramsey Baby Steps. Was it worth it? In this BEST OF BREAD & WINE episode, Nicole and I review both the pros and cons of the Dave Ramsey Baby Steps after hitting Baby Step 7. BREAD & WINE RESOURCES FamZoo: Prepaid debit cards for kids and financial education all in one! Use promo code “MKMFAMZOO” for an extra month of FamZoo! Buy Us a Cheap Bottle of Wine: And we'll give you a shoutout during the show - thanks for the idea, Jacob! MKM RESOURCES **Sponsor + Partners + Deals: https://www.marriagekidsandmoney.com/sponsors YouTube Instagram Voicemail DISCLAIMER This show may contain affiliate links or links from our advertisers where we earn a commission, direct payment or products. Opinions are the creators alone. Information shared on this podcast is for entertainment purposes only and should not be considered as professional advice. Marriage Kids and Money (www.marriagekidsandmoney.com) is a participant in the Amazon Services LLC Associates Program, an affiliate advertising program designed to provide a means for sites to earn advertising fees by advertising and linking to amazon.com. Learn more about your ad choices. Visit megaphone.fm/adchoices

For our 300th episode, I'm sharing my new and improved 10 Steps to Family Wealth and Happiness. This is all of the information I've gained from the last 5 years of producing this family empowering podcast. If you're new to the podcast, this is an excellent episode to start with. Enjoy! RESOURCES **Sponsor + Partners + Deals: https://www.marriagekidsandmoney.com/sponsors Mint: Free budgeting app Quotacy: Get your free, online, no-hassle term life insurance quote today Trust & Will: Protect your family with a trust and will Vanguard: Trusted low-cost brokerage partner Die With Zero: Book by Bill Perkins OTHER EPISODES YOU MIGHT LIKE We Make $100k Per Year But Feel Stuck The 10 Steps I Took to Quit My Job and Start My Business 10 Incredible Benefits of a Paid Off House MKM RESOURCES YouTube Instagram Voicemail DISCLAIMER This show may contain affiliate links or links from our advertisers where we earn a commission, direct payment or products. Opinions are the creators alone. Information shared on this podcast is for entertainment purposes only and should not be considered as professional advice. Marriage Kids and Money (www.marriagekidsandmoney.com) is a participant in the Amazon Services LLC Associates Program, an affiliate advertising program designed to provide a means for sites to earn advertising fees by advertising and linking to amazon.com. Learn more about your ad choices. Visit megaphone.fm/adchoices

The FIRE Movement is all about financial independence. Independence to do what you want and on your schedule. In this BEST OF BREAD & WINE episode, Nicole and I discuss finding the FIRE Movement personally, the elements we like and how we define FIRE for our family. BREAD & WINE RESOURCES Buy Us a Cheap Bottle of Wine: And we'll give you a shoutout during the show - thanks for the idea, Jacob! MKM RESOURCES **Sponsor + Partners + Deals: https://www.marriagekidsandmoney.com/sponsors YouTube Instagram Voicemail DISCLAIMER This show may contain affiliate links or links from our advertisers where we earn a commission, direct payment or products. Opinions are the creators alone. Information shared on this podcast is for entertainment purposes only and should not be considered as professional advice. Marriage Kids and Money (www.marriagekidsandmoney.com) is a participant in the Amazon Services LLC Associates Program, an affiliate advertising program designed to provide a means for sites to earn advertising fees by advertising and linking to amazon.com. Learn more about your ad choices. Visit megaphone.fm/adchoices

Kevin has been working on paying off his mortgage for years but now he’s having second thoughts. Real estate investing sounds much more interesting to him now. Brennan Schlagbaum, the founder of Budgetdog, joins me to discuss how Kevin can find his motivation to earn his paid-off house (or use his money another way). On our Mortgage Free Family Segment today, we’re going to interview Mark & Tiffany Baker from Terre Haute, Indiana. They recently paid off their mortgage as part of their path to real estate investing in their hometown. RESOURCES **Sponsor + Partners + Deals: https://www.marriagekidsandmoney.com/sponsors Budgetdog (Instagram) 3 Sisters Investments (Website) OTHER EPISODES YOU MIGHT LIKE The Disadvantages of Paying Off Your Mortgage Early Pay Off My 30-Year Mortgage Early or Invest? 10 Incredible Benefits of a Paid Off House MKM RESOURCES YouTube Instagram Voicemail DISCLAIMER This show may contain affiliate links or links from our advertisers where we earn a commission, direct payment or products. Opinions are the creators alone. Information shared on this podcast is for entertainment purposes only and should not be considered as professional advice. Marriage Kids and Money (www.marriagekidsandmoney.com) is a participant in the Amazon Services LLC Associates Program, an affiliate advertising program designed to provide a means for sites to earn advertising fees by advertising and linking to amazon.com. Learn more about your ad choices. Visit megaphone.fm/adchoices

We all know telling the truth is a smart move. But how honest do we need to be? In this episode of Bread & Wine, Nicole and I discuss being forthright with your supervisor, straightforward with your partner, and the results of that honesty. BREAD & WINE RESOURCES Buy Us a Cheap Bottle of Wine: And we'll give you a shoutout during the show - thanks for the idea, Jacob! MKM RESOURCES **Sponsor + Partners + Deals: https://www.marriagekidsandmoney.com/sponsors YouTube Instagram Voicemail DISCLAIMER This show may contain affiliate links or links from our advertisers where we earn a commission, direct payment or products. Opinions are the creators alone. Information shared on this podcast is for entertainment purposes only and should not be considered as professional advice. Marriage Kids and Money (www.marriagekidsandmoney.com) is a participant in the Amazon Services LLC Associates Program, an affiliate advertising program designed to provide a means for sites to earn advertising fees by advertising and linking to amazon.com. Learn more about your ad choices. Visit megaphone.fm/adchoices

Chris Hutchins has accumulated over 10 million credit card rewards points. He’s used these points to travel first class with his wife and stay in luxury resorts around the world. Today, he shares how he’s done it and how you can get started in the world of travel hacking. RESOURCES **Sponsor + Partners + Deals: https://www.marriagekidsandmoney.com/sponsors Chris Hutchins (website) Capital One Quicksilver: Our current favorite card (1.5% cashback, cash bonus offer, no annual fee) MKM RESOURCES YouTube Instagram Voicemail DISCLAIMER This show may contain affiliate links or links from our advertisers where we earn a commission, direct payment or products. Opinions are the creators alone. Information shared on this podcast is for entertainment purposes only and should not be considered as professional advice. Marriage Kids and Money (www.marriagekidsandmoney.com) is a participant in the Amazon Services LLC Associates Program, an affiliate advertising program designed to provide a means for sites to earn advertising fees by advertising and linking to amazon.com. Learn more about your ad choices. Visit megaphone.fm/adchoices

After posting a video about how we became millionaires in 10 years, a conversation about privilege came to the forefront. The video now has 1.6 million views and a boatload of comments about privilege vs hard work. In this episode of Bread & Wine, Nicole and I discuss privilege and if it played a role in our family's financial independence story. BREAD & WINE RESOURCES **Sponsor + Partners + Deals: https://www.marriagekidsandmoney.com/sponsors Buy Us a Cheap Bottle of Wine: And we'll give you a shoutout during the show - thanks for the idea, Jacob! MKM Instagram MKM Voicemail Learn more about your ad choices. Visit megaphone.fm/adchoices

Mike wants to know how best to use his Health Savings Account (HSA) after receiving some larger medical bills. Ashlee deSteiger discusses options for Mike's HSA investment strategy and how others can take advantage of Health Savings Accounts. Also, Bob Armour, CMO from M1 Finance, shares why investors should consider M1 Finance over Vanguard in our Fintech Spotlight segment. RESOURCES **Sponsor + Partners + Deals: https://www.marriagekidsandmoney.com/sponsors Ashlee deSteiger (website) M1 Finance: The Finance Super App MKM RESOURCES YouTube Instagram Voicemail DISCLAIMER This show may contain affiliate links or links from our advertisers where we earn a commission, direct payment or products. Opinions are the creators alone. Information shared on this podcast is for entertainment purposes only and should not be considered as professional advice. Marriage Kids and Money (www.marriagekidsandmoney.com) is a participant in the Amazon Services LLC Associates Program, an affiliate advertising program designed to provide a means for sites to earn advertising fees by advertising and linking to amazon.com. Learn more about your ad choices. Visit megaphone.fm/adchoices

A lot of us are working toward something. A financial goal. A personal challenge. Overcoming a difficult career change. Will life be better when you reach your final destination? We discuss if the grass is greener on the other side or ... if it's just another shade of green after Nicole's recent career change. BREAD & WINE RESOURCES **Sponsor + Partners + Deals: https://www.marriagekidsandmoney.com/sponsors The Subtle Art of Not Giving a F**k by Mark Manson (book mentioned during the show) Buy Us a Cheap Bottle of Wine: We'll give you a shoutout during the show - thanks for the idea, Jacob! MKM Instagram MKM Voicemail Learn more about your ad choices. Visit megaphone.fm/adchoices

Do you want to make a million with real estate? Dustin Heiner was able to quit his job at 37 after building up enough passive income through long-distance real estate investing. Check out his story and see how you can make a million in real estate. RESOURCES **Sponsor + Partners + Deals: https://www.marriagekidsandmoney.com/sponsors Dustin Heiner (Website) MKM RESOURCES YouTube Instagram Voicemail DISCLAIMER This show may contain affiliate links or links from our advertisers where we earn a commission, direct payment or products. Opinions are the creators alone. Information shared on this podcast is for entertainment purposes only and should not be considered as professional advice. Marriage Kids and Money (www.marriagekidsandmoney.com) is a participant in the Amazon Services LLC Associates Program, an affiliate advertising program designed to provide a means for sites to earn advertising fees by advertising and linking to amazon.com. Learn more about your ad choices. Visit megaphone.fm/adchoices

Are you looking to bring back intimacy in your marriage? Nick and Amy McKinlay, founders of The Ultimate Intimacy App, share couples can grow their intimacy together. We review the importance of communication, understanding your partner's love language, and how to get more (and better) sex. RESOURCES The Ultimate Intimacy App: The #1 Marriage and Intimacy App for Couples MKM Instagram: https://www.instagram.com/marriagekidsandmoney MKM Voicemail: https://www.marriagekidsandmoney.com/voicemail Learn more about your ad choices. Visit megaphone.fm/adchoices

Our savings rate has dropped from 50% to 10% over the past couple of years ... does that mean we're abandoning the FIRE Movement? I discuss this question after responding to a listener who feels our decreased savings feels like a departure from our financial goals in years past. Also, we hear from Mandy and Sean Senske about how they became millionaires in their 30's through "boring investing". RESOURCES **Sponsor + Partners + Deals: https://www.marriagekidsandmoney.com/sponsors Firstly: Smart budgeting tools and real-life advice to get you on the path to family financial wellness. Learn more today! FamZoo: Prepaid cards and financial education for kids, all in one award-winning app. Use the promo code MKMFAMZOO at check out for an extra month. Die With Zero (Book) Sean Senske (Website) Mandy Senske (Website) MKM RESOURCES MKM Coaching: Request a free 15-minute consultation today YouTube: Subscribe for free to watch videos of these episodes and interviews Instagram: Follow our IG channel Voicemail: Leave your question or comments here Merch Store: Check out our t-shirts, hoodies, and coffee mugs! DISCLAIMER This show may contain affiliate links or links from our advertisers where we earn a commission, direct payment or products. Opinions are the creators alone. Information shared on this podcast is for entertainment purposes only and should not be considered as professional advice. Marriage Kids and Money (www.marriagekidsandmoney.com) is a participant in the Amazon Services LLC Associates Program, an affiliate advertising program designed to provide a means for sites to earn advertising fees by advertising and linking to amazon.com. Learn more about your ad choices. Visit megaphone.fm/adchoices

Nicole got a new job recently and she's so much happier. It is amazing how your life can change based on your job. Feeling valued at work is very important for a lot of us. Nicole isn't alone. According to a recent Gallup Poll, 48% of Americans are actively seeking new job opportunities. A big part of this search is their desire to feel valued and work for a company that aligns with their values. We discuss this importance in both of our careers and how it shapes our lives. RESOURCES **Sponsor + Partners + Deals: https://www.marriagekidsandmoney.com/sponsors MKM Newsletter: http://www.marriagekidsandmoney.com/freegift MKM Instagram: http://www.instagram.com/andyhillmkm MKM Voicemail: http://www.marriagekidsandmoney.com/voicemail Learn more about your ad choices. Visit megaphone.fm/adchoices

Are you ready to take back your time? Christy Wright shares the simple steps we can take to find life balance. We also discuss how your priorities can shift over time and why that's okay. As a young parent, this episode really hit home! RESOURCES **Sponsor + Partners + Deals: https://www.marriagekidsandmoney.com/sponsors Firstly: Smart budgeting tools and real-life advice to get you on the path to family financial wellness. Learn more today! Take Back Your Time (Christy Wright's Book) ChristyWright.com MKM RESOURCES YouTube Instagram Voicemail Learn more about your ad choices. Visit megaphone.fm/adchoices

When some people think of big dreams, they think of big houses, fancy cars, or flashy wardrobes. But can big dreams be a lot simpler than that? Nicole and I explore this topic, share out thoughts and ideas from the Marriage Kids and Money community as well. RESOURCES **Sponsor + Partners + Deals: https://www.marriagekidsandmoney.com/sponsors MKM Newsletter: http://www.marriagekidsandmoney.com/freegift MKM Instagram: http://www.instagram.com/andyhillmkm MKM Voicemail: http://www.marriagekidsandmoney.com/voicemail Learn more about your ad choices. Visit megaphone.fm/adchoices

Target Date Funds are rapidly surging in popularity lately. Investors are flocking to this “set it and forget it” retirement tool as an easy way to diversify their portfolio and eliminate the fees of working with a high-cost broker. But what are the pros and cons? I dive into my thoughts on the subject. Also, we answer a question about whether it makes sense to decrease retirement investments to pay down the mortgage quicker. Last but not least, my daughter Zoey joins me for another money quiz! RESOURCES **Sponsor + Partners + Deals: https://www.marriagekidsandmoney.com/sponsors Firstly: Smart budgeting tools and real-life advice to get you on the path to family financial wellness. Learn more today! MKM Newsletter: Receive a Free Gift from me on how we paid off our mortgage in less than 5 years. MKM Instagram: Connect with me on social media and say hello! MKM Voicemail: Got a question? Leave me a voicemail. Learn more about your ad choices. Visit megaphone.fm/adchoices

What classifies someone as a "sell-out"? Nicole and I explore whether either one of us has been a sell-out in the past. We also discuss what it actually means to be a sell-out. We all need money, but where's the line? RESOURCES **Sponsor + Partners + Deals: https://www.marriagekidsandmoney.com/sponsors MKM Newsletter: http://www.marriagekidsandmoney.com/freegift Sorry to Bother You (Movie): https://amzn.to/3uxJds2 MKM Instagram: http://www.instagram.com/andyhillmkm MKM Voicemail: http://www.marriagekidsandmoney.com/voicemail Learn more about your ad choices. Visit megaphone.fm/adchoices

College is not getting any cheaper. By some estimates, the cost of college is rising at a rate of 8% per year. To combat this rising cost of hiring education, parents and teens need to look to college scholarships. This is what Kristina Ellis did when she was in high school. Through hard work, dedication, and creating some systems that kept the process easy, Kristina earned $500,000 in college scholarships! Kristina shares the details of how she got it done and dispels some myths about scholarships as well. RESOURCES: **Sponsor + Partners + Deals: https://www.marriagekidsandmoney.com/sponsors Tello: Cell phone bill too high? Find a plan with Tello for around $10 per month on the T-Mobile Network! Firstly: Smart budgeting tools and real-life advice to get you on the path to family financial wellness. Learn more today! MKM Instagram: Connect with me on social media and say hello! MKM Voicemail: Got a question? Leave me a voicemail. Kristina Ellis (Website) Learn more about your ad choices. Visit megaphone.fm/adchoices

After visiting friends in their beautiful updated homes lately, Nicole and I are feeling a little discontentment. We are a bit envious of their awesome abodes. But is that natural? Is contentment something we can talk about but never fully become? In this "BEST OF BREAD & WINE" episode from December 2020, Nicole and I explore this topic together and see what we can do about this situation. RESOURCES: **Sponsor + Partners + Deals: https://www.marriagekidsandmoney.com/sponsors Firstly: Smart budgeting tools and real-life advice to get you on the path to family financial wellness. Learn more today! MKM Instagram: Connect with us on social media and say hello! MKM Voicemail: Got a question or topic? Leave us a voicemail. Learn more about your ad choices. Visit megaphone.fm/adchoices

Caitlin wants to know if she should invest or buy a house. This is a tough decision that a lot of people grapple with especially as they become debt-free. Marcus Garrett, Financial Expert and Author of D.E.B.T. Free or Die Trying, shares some advice for Caitlin and why this decision doesn't have to be one or the other. Also, we're back with our Mortgage Free segment! Brendan Dale, from Cape Town, South Africa, shares how he paid off his mortgage in less than 5 years and what that means for him and his husband. RESOURCES: **Sponsor + Partners + Deals: https://www.marriagekidsandmoney.com/sponsors Tello: Cell phone bill too high? Find a plan with Tello for around $10 per month on the T-Mobile Network! Firstly: Smart budgeting tools and real-life advice to get you on the path to family financial wellness. Learn more today! MKM Instagram: Connect with me on social media and say hello! MKM Voicemail: Got a question? Leave me a voicemail. Marcus Garrett (Website) Marcus Garrett (Book) Brendan Dale (Website) Learn more about your ad choices. Visit megaphone.fm/adchoices

After reading "Die With Zero" by Bill Perkins, I feel like a changed man. I've gone from super saver for the last decade of my life to now maximize my life experiences as much as possible. Nicole and I discuss why I enjoyed the book so much and how she feels about the ideas in Die with Zero. The time for us to maximize our life experiences is upon us ... don't worry my inner saver will keep us in check. RESOURCES **Sponsor + Partners + Deals: https://www.marriagekidsandmoney.com/sponsors Die With Zero: https://amzn.to/39njLeR Instagram (MKM): http://www.instagram.com/andyhillmkm Learn more about your ad choices. Visit megaphone.fm/adchoices

How’s your “Digital Wellness” these days? As a parent, this is something I’m working on constantly. But as someone who is quite often "connected", it's difficult to find a balance that works for me as a father, husband, and small business owner. Author Mark Ostach joins me today to share how we can live with phones, laptops, and all of our other devices and still be present with those we love. RESOURCES **Sponsor + Partners + Deals: https://www.marriagekidsandmoney.com/sponsors Tello: http://www.marriagekidsandmoney.com/tello Firstly: http://www.marriagekidsandmoney.com/firstly Courage to Connect: https://amzn.to/3E13evt Mark Ostach: http://www.markostach.com Learn more about your ad choices. Visit megaphone.fm/adchoices

If you get advice from your financial advisor and you don't agree, should you follow it anyway? After all, they probably have more education and experience than you. But in the end, aren't your motivations and goals more important? Nicole and I explore this topic after receiving a note from a listener about them disagreeing with the advice they received from their financial advisor. RESOURCES **Sponsor + Partners + Deals: https://www.marriagekidsandmoney.com/sponsors MKM Instagram: https://www.instagram.com/marriagekidsandmoney Learn more about your ad choices. Visit megaphone.fm/adchoices

Our family has reached Coast FIRE! After saving and investing over $500,000 before our 40th birthdays, we are pumping the breaks on investing for retirement and focusing on other goals in our lives. Find out how we did it and what those goals are in today's episode. Also, for our Be the Change segment, Ed Grocholski from Junior Achievement shares why it's important to teach kids financial and entrepreneurial skills ... especially after the pandemic. Lastly, we have another money quiz with my daughter Zoey and we'll read the review of the month! RESOURCES **Sponsor + Partners + Deals: https://www.marriagekidsandmoney.com/sponsors Wallet Burst Coast FIRE Calculator: https://walletburst.com/tools/coast-fire-calc/ Compound Interest Calculator: https://www.investor.gov/financial-tools-calculators/calculators/compound-interest-calculator Junior Achievement: https://jausa.ja.org/ Learn more about your ad choices. Visit megaphone.fm/adchoices

Are you feeling like you're simply reacting to the moment right in front of your face? Yeah, we've been there (and still catch ourselves doing it). It's in our nature evidently. But how can we get out of reaction mode and into planning mode? Nicole and I explore how we've improved as parents and what we're doing to continue that improvement by thinking more than one step ahead. RESOURCES **Sponsor + Partners + Deals: https://www.marriagekidsandmoney.com/sponsors Peaceful Parent, Happy Kids: How to Stop Yelling and Start Connecting: https://amzn.to/3jFKxFk (affiliate link) Learn more about your ad choices. Visit megaphone.fm/adchoices

What would it be like to win $1.2 million in Vegas? Life-changing, yes, but for good or bad? Adam & Danielle Silverstein, from the Marriage & Martinis Podcast, share how this windfall affected their marriage. They also share advice for other couples looking to communicate about finances in their relationship. RESOURCES **Sponsor + Partners + Deals: https://www.marriagekidsandmoney.com/sponsors Marriage & Martinis: https://www.marriageandmartinis.com Learn more about your ad choices. Visit megaphone.fm/adchoices

The 5 Love Languages by Gary Chapman is a book that has really helped our marriage. The concept may be simple, but it can be difficult to remember when you're in the midst of work, busy young parenting, and global pandemics. When we do remember to love each other the way we like to be loved, our relationship truly grows. Nicole and I discuss what our love languages are and discuss our rocky path to finding how each of us likes to be loved. RESOURCES **Sponsor + Partners + Deals: https://www.marriagekidsandmoney.com/sponsors The 5 Love Languages: https://amzn.to/2Y8rEmp (affiliate link) Learn more about your ad choices. Visit megaphone.fm/adchoices

1 in 3 Americans has a side hustle in 2021. This number has grown significantly over recent years. So ... why the growth? What is the attraction to the side hustle? To help us answer this question and to discuss the benefits of a side hustle, I’ve invited Daniella Flores to the show today. Also known as the Side Hustle Queen, Daniella is the creator of "I Like to Dabble", an award-winning global platform that helps creatives and LGBTQ+ folks start side hustles and get their financial life and future in order. RESOURCES **Sponsor + Partners + Deals: https://www.marriagekidsandmoney.com/sponsors I Like to Dabble: https://www.iliketodabble.com Learn more about your ad choices. Visit megaphone.fm/adchoices

This past week, we received a lot of negative feedback for paying off our mortgage early. We're very happy with our decision and realize it's not for everyone. But we have to ask ... are we wrong for paying off our mortgage? What do you think? RESOURCES **Sponsor + Partners + Deals: https://www.marriagekidsandmoney.com/sponsors Learn more about your ad choices. Visit megaphone.fm/adchoices

Yolanda wants to pay extra toward her mortgage but she’s not sure if she’s doing it correctly. Holden Lewis, a Mortgage Expert from NerdWallet, joins me to help her out. We discuss how to ensure your extra mortgage payments are going toward the principal and how refinancing your mortgage may fit into the picture. Also, we hear how Mike Kenny, from Ontario, became a millionaire Dad by 33! RESOURCES **Sponsor + Partners + Deals: https://www.marriagekidsandmoney.com/sponsors NerdWallet: https://www.nerdwallet.com Mike Kenny: https://twitter.com/mike_kenny3 Learn more about your ad choices. Visit megaphone.fm/adchoices

I tend to tell my wife everything ... but is that the right way to go? My friends often tell me I'm TOO open with her. Nicole and I discuss that openness and try to determine "a line" where enough is enough with our honesty. What do you think? RESOURCES **Sponsor + Partners + Deals: https://www.marriagekidsandmoney.com/sponsors Learn more about your ad choices. Visit megaphone.fm/adchoices

Want to become a millionaire? Jeremy Schneider from Personal Finance Club thinks index funds are a great place to start with your investing journey. Here’s how to invest simply and effectively today. RESOURCES **Sponsor + Partners + Deals: https://www.marriagekidsandmoney.com/sponsors Personal Finance Club (Course): Https://www.marriagekidsandmoney.com/pfc (affiliate link) Learn more about your ad choices. Visit megaphone.fm/adchoices

Do you think "living on a budget" feels like a life of restriction? Nicole and I discuss our history with budgeting over our 10-year marriage. We share our feelings on the term "living on a budget", our pros and cons of budgeting, and our takeaways for couples considering their first budget. RESOURCES **Sponsor + Partners + Deals: https://www.marriagekidsandmoney.com/sponsors Mint: https://www.marriagekidsandmoney.com/mint Learn more about your ad choices. Visit megaphone.fm/adchoices

With the “Great Resignation” in full swing, Tori Dunlap shares how we can make the decision whether to return to work or start a business. She shares her personal experience after leaving her career to become a business owner. RESOURCES **Sponsor + Partners + Deals: https://www.marriagekidsandmoney.com/sponsors Her First $100k: https://www.herfirst100k.com Learn more about your ad choices. Visit megaphone.fm/adchoices

Are you considering working with your spouse? Depending on how things are arranged, this could either be a great way to connect more or a complete disaster! Nicole and I discuss the pros and cons of working together over the past year. We explore ways for our working relationship to improve so we can have a happy marriage too. RESOURCES **Sponsor + Partners + Deals: https://www.marriagekidsandmoney.com/sponsors Holderness Family Interview: https://marriagekidsandmoney.com/podcast/holderness-family-everybody-fights/ Learn more about your ad choices. Visit megaphone.fm/adchoices

Brian Preston from The Money Guy Show cautions young investors not to pay off their mortgage too early. Here’s why he feels passionate about not rushing to have that paid-off house. RESOURCES **Sponsor + Partners + Deals: https://www.marriagekidsandmoney.com/sponsors The Money Guy Show: https://www.moneyguy.com/ Learn more about your ad choices. Visit megaphone.fm/adchoices