CHECK OUT OUR LATEST EPISODES
142. The One Choice that can save you millions
Forget the complex spreadsheets and the endless debate over index funds; there is a single, overlooked choice that quietly dictates whether you will save thousands or millions over the course of...
141. The lazy genius way to improve your finances
We explore how to improve your financial mindset and tactics by adopting the "Lazy Genius" approach from author Kendra Adachi. The core philosophy is to be a genius about the things that matter and...
140. Financial Favorites: Our top accounts, hacks, purchases, index funds, and more!
We share our favorite financial apps, surprising life hacks, money mantras and quotes we live by, and life-changing purchases. Also discover the credit cards we use daily, our preferred High-Yield...
139. Can I afford to take time off? Financial considerations for a sabbatical or career break
We dive into a common listener question: Can I afford a career break or sabbatical? Career breaks for family, travel, burnout, or realignment are becoming increasingly common, and we wholeheartedly...
138. Want what you already have – Tactics to rewire your brain to want less
Stop scrolling and start appreciating. This episode is a powerful flip-the-script moment on consumer culture, exploring how a mindset of wanting what you already have is one of the most...
137. The 80/20 rule of money – Don’t let perfect be the enemy of the good
We tackle one of the biggest mental roadblocks to wealth: the search for perfection that leads to over-optimization and analysis paralysis. If you’ve ever frozen up while trying to find the absolute...
136. The Art of Spending Money: Morgan Housel Book Review
We are discussing Morgan Housel's new book, The Art of Spending Money, and exploring the psychological and practical challenges of how we spend money to maximize happiness and utility. We dive into...
135. The get rich quick trap – Why slow and boring wins the money race
People confuse luck for skill when it comes to investments. Your path to wealth isn’t a sprint; it’s a patient, consistent marathon. We tear down the seductive fantasy of getting rich quickly, and...
134. Finding happiness through ancient wisdom, the Epicurus way
Stop chasing the next big purchase and start finding genuine contentment. The world tells us that more money, more stuff, and a higher status equal happiness, yet we only feel more anxious and...
133. Five ways to reset holiday expectations
The holidays are meant to be about joy, but somewhere along the way, we've let them become a source of stress, guilt, and financial and emotional strain. We’ve all felt the pressure to overspend,...
132. The Art of the Return – Get your money back!
This is your masterclass in returns and reclaiming your money with grace and strategy. We reveal why returns matter and how to turn a common headache into a financial win. We go beyond the simple...
131. What is rebalancing and should I be doing it?
Sometimes, your investment portfolio needs a course correction to stay safe and on track with your personal allocation strategy. We tackle the essential, yet often ignored, financial tune-up known...
130. The Chimp Paradox: Why you spend when you know you shouldn’t
Ever wonder why you make financial decisions that go against your better judgment? This episode delves into The Chimp Paradox, a powerful psychological model by Dr. Steve Peters that explains the...
129. Are you a HENRY? Escaping the traps so you can build wealth
Are you earning big but feeling broke? You're not alone. Welcome to the world of the H.E.N.R.Y.—High Earner, Not Rich Yet. This growing demographic of six-figure earners finds themselves in a...
128. What is the good life? And how expensive is it?
Is the good life about luxury goods and expensive travel, or is it something much simpler yet profound? We dissect what a "good life" truly is, from the dictionary definition to Morgan Housel's core...
127. Home warranties – A safety net or a money pit?
Are home warranties worth it? We answer this question and more. We break down how home warranties work, their pros and cons, and considerations for your primary home versus a rental property. We...
126. The Real L-Word – Why Limits are your new best friend
Setting limits can get a bad rap, but limits are actually the key to a more joyful and abundant financial life. We redefine budgeting and setting limits not as a thing of deprivation, but as a path...
125. The psychology of debt – How to stay motivated while paying off debt
Let's make paying off debt a little more fun and a little less of a slog. We deep dive into the psychology of debt repayment and offer some of the more enjoyable ways to stay motivated and on top of...
124. Listener Q&A with Andrew – US vs. international investing, 457b plans, roth conversion ladders, when to stop contributing to your 401k, tracking HSAs expenses, and more!
This week, Andrew and I answer your money questions about the nitty-gritty of retirement planning, complexities of early retirement strategies, roth conversion ladders, what to do with your cash,...
123. A dopamine menu – 20 ways to feel good without spending money
Next time you get the urge to make a purchase, try one of these things to get a free or low-cost dopamine hit. We’re exploring the science of dopamine and how our brains are hooked on the thrill of...
122. This is your brain on debt – Let’s stop normalizing debt
Debt has become a quiet, accepted part of our lives, but what if we stopped seeing it as normal? We challenge the narrative that debt is an inevitable part of modern life. We dissect how societal...
121. Mid-year spend review with Liz, Andrew, Erica, and Greg
Four families share what they spent in the first half of 2025. We’ve had renovations, vacations, celebrations, donations, and more! Listen to find out who’s spent the lowest and highest this time,...
120. The humility hack – how less ego can lead to more money
Humility can be your most powerful financial tool, so learn how to check your ego and enhance your financial well-being. Cultivating and improving your humility can be transformative in building...
119. The intersection of mental health and financial wealth
We unpack the powerful, often perplexing, and always present link between your mental health and your personal finances. In a world of economic uncertainty and rising costs, it's more crucial than...
118. Is more expensive better? When it pays to pay more
We explore the complex relationship between cost and quality, debating whether "more expensive is always better." We deep dive into the fascinating psychology, sneaky marketing tactics, and...
117. How to make more money – career advice, asking for a raise, side hustles, and more
Cutting expenses and being frugal can significantly boost your financial future, but it’s only one part of the wealth-building equation. Sometimes, the best defense is a good offense—in this case,...
116. Our favorite financial books and podcasts, with a few surprising gems!
The sheer volume of free and high-quality financial content accessible to us is truly impressive, yet it can also be incredibly overwhelming. That's why we're sharing our absolute favorites with you...
115. Mind over money: How Stoicism can transform your finances with Kathleen from Minimalish Mom
Think ancient philosophy has nothing to do with your bank account? Think again! This episode brings a powerful dose of Stoic wisdom to your modern financial world. Joined by special guest co-host...
114. The inside out approach to financial freedom
Ever felt like you're climbing someone else's ladder, or that your financial decisions are driven by what everyone else is doing? This episode introduces the powerful concept of "Inside Out" living,...
113. The real reasons you’re not improving your finances, and how to fix them
Ready to finally take control of your finances? We dive into the common roadblocks that hold us back from reaching our financial goals. Discover why your mindset might be your biggest obstacle, the...
112. Withdrawal strategies in early retirement – A flexible strategy and account playbook to fund your retirement
You've diligently saved and invested, and now comes the pivotal question: How do you live off those funds, especially in early retirement? We discuss the various withdrawal strategies, going beyond...
111. How to handle a windfall – protect your future fortune
Whether it's a lottery win, an inheritance, or a work bonus, a windfall can feel like a dream come true, but mishandling it can quickly turn it into a financial nightmare. We dive into the crucial...
110. Raising financially responsible kids – Setting money expectations at every age, with a special teenage co-host
Raising kids is tough, but raising financially responsible and aware kids is quite simple, and you can do it! This week, I am joined by a special teenager co-host, my 16-year-old step-daughter...
109. Andrew’s Big News – What’s next and why it’s not early retirement
Buckle up for some exciting news from co-host Andrew! Andrew shares what is next for him after 25 years in Corporate America, and it might not be what you think! Andrew shares the journey that led...
108. Reclaim your time (and money) – Actionable strategies for the overwhelmed
It takes time to improve your finances, and you're not alone if you feel like there’s never enough. We’re diving into the reality of time constraints, with actionable strategies for the busy and...
107. Finfluencers – Yuck! Wait!? Is that what we are?
When I grew up, finding financial opinions and advice felt hard. Now we’re saturated with it, but is that a good thing!? We discuss the murky waters of social media financial influencers, aka...
106. Find your FIRE – Lean FI, Fat FI, Coast FI, Barista FI, and more! Which FIRE is right for you?
The concept of FIRE isn’t one-size-fits-all, so we dive into the various types of FIRE that have been popularized. The ability to name your type of FIRE can help you find the right community and...
105. Why we keep buying stuff we don’t need and how to do better
Companies are using manipulative marketing tactics to keep us buying more and more. The endless consumption is becoming exhausting on our minds and our wallets, all while the economy feels...
*APRIL FOOLS* 104. Wealth Whispers – ASMR your way thru this financial checklist
We heard ASMR is all the rage, so we’re excited to introduce you to Wealth Whispers. Enjoy the soothing voices of Maggie and Liz walking you through a financial checklist to get you on the right...
103. Borrowing boundaries – Financial etiquette for borrowing stuff, from money to mascara
Borrowing and lending items with friends and family can be stressful, but we’re here to help you navigate it logically, without any drama, but maybe with a few laughs. We dive into the delicate...
102. Beyond the Headlines: Making Sense of Inflation, Tariffs, and Your Investment Strategy
Stock market volatility, job security concerns, high inflation, and tariffs dominate headlines, leaving us all uncertain. We break down key economic indicators, from GDP to consumer confidence to...
101. 8 things to do to improve your finances, while you hurkle durkle
After we explain what the heck “hurkle durkle” means, we share specific and actionable tactics for improving your finances while your hurkle durkle. Relaxing is essential and we all have our...
100. 💯 never felt so good, except for when you get laid off and other news, but still…yay!
All the co-hosts join as we celebrate the 100th Inside Out Money podcast episode. We have lots of news to share, from who just got laid off to what’s happened with all of us over the last 100...
099. Well this is awkward – Financial etiquette for sticky situations
Navigating tricky money situations with friends, family, and coworkers can be awkward. We dive into financial etiquette, covering everything from splitting dinner bills fairly to handling...
098. How to use AI to improve your finances and life
Did you know free AI tools can help you save money, earn money, and become more efficient in your day-to-day life? AI has some interesting capabilities for improving your finances and the efficiency...
94. Money tips you should ignore and what to do instead
We’ll help you navigate the maze of financial advice by highlighting which tips you should ignore, why, and what you should do instead. We discuss good and bad debt, strategic use of credit cards,...
097. Our favorite FREE stuff, that’s not a scam
They say nothing in life is free, but that’s not entirely true, as there are many free apps, educational resources, software, books, podcasts, and more! We share our favorite free things and why we...
096. Tax Time Tips: Pay Less, Save More
In a discussion about all things tax-related, we break down federal and state taxes and explain how tax brackets and income taxation work. We talk about the legal ways you can minimize your tax...
095. WTF is the dark web!? And how do I protect my identity and credit
We delve into the dark web, explaining what it is and why it should matter to you. Most importantly, we share what you can do proactively and at no cost to protect your identity and credit. You’ll...
93. Teen Talk: Social Media Ads and Smarter Spending Habits with a Special Teenage Co-host
Social media companies spend millions to convince us to buy stuff, much of it things we don’t need. This week, I am joined by a special teenager co-host, my 13-year-old daughter Kate, as we discuss...
092. Annual Spend Recap with Greg, Liz, Andrew, & Erica
In this special annual episode, join all the co-hosts as we reveal our 2024 spending habits in our detailed expense breakdown. From the biggest splurges to unexpected savings, we dive deep into each...
091. How to build awesome habits and improve your financial wellness
We kick off this new year with a discussion on how to improve your financial wellness so you’re thriving versus surviving. We discuss actionable steps to improve your financial wellness and how to...
090. End-of-year podcast party with all the co-hosts
All of the co-hosts join this end-of-year episode, and we share our peaks and pits, favorite purchases, financial regrets, wins, and our intentions for 2025. Join us for our end-of-the-year podcast...
089. The Gift Card Debate: Safe choice or worst gift ever?
We debate whether gift cards are the best gift ever or an ongoing burden to the receiver. We also recommend creative and simple ways to make gift card gifting more personal and ensure you keep up...
088. Listener Q&A with Greg – managing difficult financial convos, FI feels unattainable, raising kids to spend intentionally, stress levels post retirement, and more!
This week, Greg and I answer your money questions about relationships, difficult financial conversations, how we track our money, how we’re trying to raise our kids to spend...
087. Case Studies: Where to focus when you’re feeling behind? Investing, life insurance, and paying off your mortgage in your 70s?
We review two listener case studies, share their financial situations and backgrounds, and answer their questions about how to move forward with their finances. Andrew joins this week’s podcast as...
086. End-of-year money moves to finish the year strong
Here are all the financial moves you should aim to finish before the end of the year to ensure you finish the year strong and set yourself up for success next year. We cover the basics you’ve...
085. Trick yourself into spending less money
Psychology plays a significant role in our financial decisions, and we can use it to our advantage to trick ourselves into spending less money and saving more. We share many tips and tricks for...
084. Trump 2.0 and its impact on your finances
In case you missed it, Trump won the 2024 election. We’re talking about the impact of Trump in office on your finances and how to prepare yourself. Greg joins this week’s podcast as we talk...
083. Live for today or save for tomorrow?
Some people are so focused and disciplined on reaching a FI or FIRE goal that they don’t enjoy the present. Others are so focused on living for today that they don’t plan or save for the future....
082. Case Studies: How to get started when you’re stuck? Burnt out and how do I know when I have enough to retire?
We review two listener case studies, share their specific financial situation and background, and answer their questions about how to move forward with their finances. Andrew joins this week’s...
081. Listener Q&A – 401(k) vs. roth 401(k), Budgeting, Automation, Decluttering, Early Retirement, and more!
This week, I’m answering your questions about 401Ks, Roth vs. regular 401Ks, how and where to save for future needs, where to park your money, early retirement, managing a budget, and more! In this...
080. We’re all going to die, so let’s talk about life insurance
We discuss everything you ever needed and wanted to know about life insurance. We share why life insurance is important even if you think you don’t need it, how much you need, how to shop around for...
079. The new American Dream – Is it misunderstood or evolving?
We explore the concept of the American Dream and how it has evolved over time. What we initially considered success in life isn’t quite how we would define success today. Many people now choose to...
078. Take back the holidays – 8 ways to spend less this holiday season
The holidays have evolved into a time of the year overly focused on consumerism and spending money, but we encourage you all to take back the holidays and focus on what matters the most to you! We...
077. Listener Q&A – Debt, Savings, Windfalls, Deferred Compensation, Withdrawal Strategies, and more!
This week, I’m answering your questions about debt, emergency savings, sudden windfalls, deferred compensation, withdrawal strategies, Andrew going vegan, monarch money, savings on kid's stuff, when...
076. Investing terms you should know – ETFs vs. mutual funds, target date funds, expense ratios, dividends, market vs. limit orders, and more!
Investing often seems more complicated than needed, so we’re explaining some key terms to help you better navigate the investing and financial world more confidently. We share which ones we think...
075. The cost of convenience – Is it worth it?
In the tradeoff between your time and your money, we discuss whether it’s worth it to pay for convenience, from pre-cut food at the grocery store to having your house professionally cleaned to food...
074. An investing discussion: how to get started, are ESGs worth it, what to do when the market’s down, automating your investments, and more.
Investing feels overwhelming and complicated to many people, but it doesn’t need to be. It can be simple and easy to get started. Join us for a discussion on investing that we hope will help you get...
073. Grocery Savings Hacks: Where to shop, freezing food, and more!
Groceries have been getting more expensive lately, but there are still plenty of simple, low-effort ways to save money on groceries. We share our best money-saving hacks for our family of five....
072. The best financial advice no one wants to take: Move your money to a high-yield savings account already!
Everyone should keep their savings, emergency funds, and extra cash in a high-yield savings account to optimize their money. High-yield savings accounts are paying as high as 5.5% interest and have...
071. Listener Q&A – Boring middles, making FI friends, investment strategies, kids, and more
This week, I’m answering your questions about early retirement, investing, raising financially literate kids, making like-minded friends, and more! In this week’s podcast, we talk about: -...
070. Let’s use up what we already have
This one thing can save you money, help the environment, declutter your house, and improve your mental health; it’s using the things you already have! We share practical tips and strategies for...
069. Avoid these money mishaps and win long-term
The key to growing long-term wealth is to spend less than you make and invest the difference, but there are also some money mistakes you should avoid. Make sure you listen and avoid these money...
068. Is life more expensive in early retirement?
People often say you’ll spend less in retirement, but who are these people, and is this true? We break down some common beliefs about retirement spending and share our own personal experiences of...
067. Two investment metrics you should understand – CAPE ratio and SORR
Understanding the CAPE (Cyclically Adjusted Price-to-Earnings) ratio and SORR (Sequence of Returns Risk) matters if you’re investing in the stock market and making future plans based on those...
066. Mid-year spend review with Liz, Andrew, and Greg
Three families share what we spent in the first half of 2024. Who’s spending is the highest and lowest? And is there really a winner or loser!? We’re big fans of intentional spending and not...
065. Get Apple products 80% off and save the planet – Shopping secondhand for the win
Secondhand products can save you money, save the planet, help others earn money, build community, and so much more! We encourage everyone to think secondhand first anytime they want or need...
064. Packing light and spending light while traveling
Packing less and spending less while traveling abroad or domestically is possible and can make travel much more enjoyable! Travel a bit lighter and spend a bit less to splurge on the stuff that...
063. Number one early retirement metric: your savings rate
It’s not about what you make, it’s about the difference between what you make and what you spend. If you know those two numbers you can calculate your savings rates, and if you know it you can...
062. Our favorite savings hacks that will save you thousands a year
Actionable advice to stop comparing yourself to others and start focusing on your own life. We all compare ourselves to others, but we also know comparison is the thief of joy and we will be happier...
061. Transform intentions into action – Navigating the execution gap
Start doing the things rather than just saying the things. Learn how to transform your intentions into actions and, in the process, close the execution gap that many of us struggle with. ...
060. Progress over perfection – Understanding perfectionism to improve our finances
Understanding the science and root of perfectionism can help us to focus on the good and let go of the bad. We encourage you to focus on progress over perfection and leverage that mindset to...
059. Splitting Finances with Your Partner – Practical Approaches for Financial Transparency
Finances can be one of the most stressful parts of a relationship, but they don’t need to be. We share actionable advice for setting up your finances with your partner, focusing on transparency and...
058. Breaking up with your financial planner – Why and how to do it
The financial services industry often profits from the misconception that managing your investments is too complex, leading you to believe that you should pay them to do it for you. This just isn’t...
057. Comparison is the thief of joy – Stop comparing yourself to others
Actionable advice to stop comparing yourself to others and start focusing on your own life. We all compare ourselves to others, but we also know comparison is the thief of joy and we will be happier...
056. 8 lessons learned two years into early retirement
Greg joins this week's podcast, and we share our most significant reflections and learnings after two years of being early-retired. We break it down into our eight biggest learnings: There’s nothing...
055. Our formula for how much to keep in your emergency fund
Liz joins this week's podcast, and we talk about all things emergency funds. We start with why it’s so important to have an emergency fund and what emergency funds are meant to be used for versus...
054. 15 things we don’t spend money on
Andrew joins this week's podcast, and we talk about all of the things we don’t spend money on. We’re all about intentional spending, and we spend a lot of time talking about what we do spend our...
053. Why we’re more exhausted than ever and how it’s impacting our finances
Erica joins this week's podcast, and we talk about exhaustion, how it’s impacting our finances, and how we can mitigate exhaustion to improve our lives. We start off by discussing an article in TIME...
052. Simplifying our finances – How we’re saving $20K by ditching robo-investing
Greg joins this week's podcast, and we share why and how we’re migrating our investments from Wealthfront to Fidelity, which will save us $20K+ in fees over the next ten years. We share how this...
051. Taming Target and Amazon: We pull up our order history for you to judge
Liz joins this week's podcast for a very impromptu discussion where we reveal our Amazon and Target purchases for the last few months. We review each other’s purchases and discuss what we’re...
050. From Cubicles to CampFI – An interview with two early-retiree couples
For the 50th Inside Out Money episode, Maggie interviews two early-retiree couples at campFI: Stacey & Andy and Amber & Bob. They share their stories of how they prepared for early...
049. Is it Deprivation or Discipline? And Will It Improve My Finances?
Andrew joins this week's podcast, and we discuss the difference between deprivation and discipline, how they are interrelated, and why it all matters. We dig into the reality of needs versus...
048. 5 cell phone hacks to save you thousands
Greg joins this week's podcast, and we share five cell phone savings hacks that can save you thousands of dollars. We share how to get the cheapest and best cell phone coverage, how to use eSIM...
047. The economics of happiness – Will a bigger house or shorter commute make you happier?
Erica joins this week's podcast, and we discuss the economics of happiness and what research shows will and won’t make you happier. We share the macronutrients of happiness, according to David...
046. Smash or Pass? Common financial rules
Liz joins this week's podcast, and somehow, we’re deciding to smash or pass common financial rules. We explain many common financial rules around savings, investing, and buying a house and car and...
045. The one metric you likely don’t track: Lifetime gross savings rate
Andrew joins this week's podcast, and we discuss a metric we love but think many people likely don’t track. We explain the lifetime gross savings rate (aka lifetime wealth ratio), how to calculate...
044. Love don’t cost a thing – Our love and money story
Greg joins this week's podcast, and we share how we met and how our financial and life discussions progressed to end up early retiring together in 2022. Did you know research supports that saving...
043. Burning bridges or building boats? How to leave a job the right way!
Liz joins this week's podcast, and we share all the things you should and shouldn’t do to leave a job the right way, whether it’s a voluntary or involuntary leave. We discuss understanding what you...