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The Money Guy Show

Here’s Where Wealthy People Put Their Money

18 wrz 202653h

Pozycje · 6

• 9:26S&P 500 Index FundsLongWealthy Americans build wealth through consistent, long-term investment in low-cost S&P 500 index funds, and time in the market beats timing the market. — Brian Preston–
  Dlaczego ta transakcja

  “instead of trying to beat the market, just be the market” — Brian Preston

  1. 96% of the top 10% of Americans own equities, and millionaires credit consistent long-term investing for their wealth.
  2. A $10,000 S&P 500 investment from 1987 to 2025 would have grown to $616,000 if left undisturbed.
  3. Missing even one best year cuts that to $448,000, so the hosts advocate staying fully invested.
• 7:35401(k) Plans (Employer-Sponsored Retirement Accounts)LongAutomating contributions into employer-sponsored retirement accounts like 401(k)s is one of the easiest ways to invest consistently like a millionaire. — Bo Hanson–
  Dlaczego ta transakcja

  “a vast majority of millionaires invested in their employer sponsored retirement accounts” — Bo Hanson

  1. 80% of millionaires attribute their wealth to investing in their 401(k).
  2. Automated payroll contributions create a set-it-and-forget-it system with tax savings and potential employer matching.
  3. The hosts recommend following the Financial Order of Operations: 401(k), Roth IRA, HSA.
• 30:07Health Savings Accounts (HSAs)LongHSAs offer a triple (or quadruple) tax advantage — deductible contributions, tax-deferred growth, and tax-free withdrawals for medical expenses — making them even more powerful than a Roth IRA. — Brian Preston–
  Dlaczego ta transakcja

  “these things even in a lot of ways even more powerful than a Roth IRA” — Brian Preston

  1. HSA contributions are tax-deductible, growth is tax-deferred, and qualified medical withdrawals are tax-free.
  2. If offered through an employer, contributions may also escape FICA and Medicare taxes.
  3. The hosts recommend paying medical costs out-of-pocket, saving receipts, and reimbursing yourself decades later with untaxed earnings.
• 11:12Real Estate (Rental Properties / Commercial)LongWealthy people diversify into real estate for appreciation, income, and inflation hedging, but only after building a solid financial foundation. — Bo Hanson–
  Dlaczego ta transakcja

  “69%, so seven out of 10 of the wealthiest 10% of Americans own some form of real estate outside of their primary residence” — Bo Hanson

  1. 69% of the wealthiest 10% of Americans own real estate beyond their primary residence.
  2. Real estate provides appreciation, income, leverage, and acts as an inflation hedge.
  3. The hosts caution against over-leverage, concentration risk, and investing too early in the financial journey.
• 20:32Primary Residence (Homeownership)LongBuying a home builds equity, acts as an inflation hedge, and locks in housing costs for retirement, but it is not required to build wealth. — Bo Hanson–
  Dlaczego ta transakcja

  “95% of those top 10% of wealthy Americans do actually own their primary residence” — Bo Hanson

  1. 95% of the top 10% of wealthy Americans own their primary residence.
  2. Homeownership builds equity, counts toward net worth, and provides fixed housing costs in retirement.
  3. The hosts advise the 3-5-25 rule: 3% down, 5-year horizon, and housing costs under 25% of gross income.
• 15:48Private Business Ownership (Entrepreneurship)LongOwning a business is a common path to wealth, but it carries high concentration and liquidity risk, so only pursue it with a solid financial foundation. — Bo Hanson–
  Dlaczego ta transakcja

  “48% of the 10% of the top 10% of Americans have some sort of equity” — Bo Hanson

  1. 48% of the top 10% of Americans have some equity in a business.
  2. Two out of three businesses fail within ten years, introducing bankruptcy-level risk.
  3. The hosts advise starting small as a side hustle and planning for dream, down-to-earth, and 'doo doo' scenarios.

Pomysły · 2

• 32:55TMLongWealthy people often drive practical, reliable brands like Toyota, which retain value better than luxury vehicles, aligning with their focus on avoiding depreciation. — Bo Hanson-0,4% od odcinka
  Dlaczego ta transakcja

  “They buy cars and they spend money on cars, but they are not buying ex expensive luxury brands” — Bo Hanson

  1. 61% of households earning over $250,000 drive non-luxury brands like Honda, Toyota, and Ford.
  2. Toyota is explicitly named as a brand wealthy households prefer due to reliability and lower depreciation.
  3. No specific stock recommendation is made; this reflects observed consumer behavior.
• 32:55FLongWealthy people often drive practical, reliable brands like Ford, which retain value better than luxury vehicles, aligning with their focus on avoiding depreciation. — Bo Hanson–
  Dlaczego ta transakcja

  “They buy cars and they spend money on cars, but they are not buying ex expensive luxury brands” — Bo Hanson

  1. 61% of households earning over $250,000 drive non-luxury brands like Honda, Toyota, and Ford.
  2. Ford is explicitly named as a brand wealthy households prefer due to reliability and lower depreciation.
  3. No specific stock recommendation is made; this reflects observed consumer behavior.

The Money Guy Show

Are You Doing Better Than the Average American?

16 wrz 2026101h

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The Money Guy Show

Was His $120,000 College Degree a Huge Mistake?

14 wrz 2026149h

This episode of The Money Guy Show features a net-worth and debt-payoff coaching session with a 28-year-old graphic designer, not market or security analysis. The only asset-related discussion is the guest's small holding of Bitcoin via a Coinbase account, which co-host Brian Preston frames as speculative rather than an investment and criticizes Coinbase's lack of true self-custody. No explicit long, short, or avoid recommendations on listed stocks or ETFs are made, so no actionable picks are extracted.

Pomysły · 2

• 16:13COINUnikaćBrian argues holding crypto through a Coinbase account gives an illusion of independence because governments can still seize wallets, so it isn't the system-changing investment it's advertised as. — Speaker 2+9,8% od odcinka
  Dlaczego ta transakcja

  “Are you really changing the world with a Coinbase account?” — Speaker 2

  1. Guest says his crypto is held 'just an account' at Coinbase as a hedge.
  2. Brian argues Coinbase custody means governments can navigate around the system, undercutting the thesis.
  3. Implied caution on crypto-exposure platforms rather than a formal trade recommendation.
• 18:10BitcoinUnikaćBrian calls Bitcoin 'more of a speculative play' not a currency, citing extreme price swings from $128,000 back to the sixties and unsuitability as a medium of exchange. — Speaker 2–
  Dlaczego ta transakcja

  “it's more of a speculative play... As long as it's a hobby, I'm okay. But... I think it's the wrong time to be jumping on the speculation train.” — Speaker 2

  1. Brian notes Bitcoin's volatility swung from ~$128,000 highs back to the sixties.
  2. He argues a unit that jumps from $10 to $64 can't function as money for purchases.
  3. Concludes it's speculation, inappropriate while still carrying high-interest student debt.

The Money Guy Show

Retirement at $1M, $2M, $3M, and $5M

11 wrz 2026221h

A retirement-planning episode of The Money Guy Show that walks through what $1M, $2M, $3M and $5M portfolios can support at age 65, using a 4% safe withdrawal rate plus $25k/$50k Social Security assumptions. The hosts give no buy/sell calls on any stock, ETF or tradable asset; brand mentions (Royal Caribbean cruises, Nordstrom Rack, McDonald's, Indeed, Garnier, ChatGPT) are advertising or anecdotal, not investment recommendations. Only generic asset-allocation guidance (managing sequence-of-return risk with proper asset allocation) is offered.

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The Money Guy Show

How To Actually Make Money Sports Betting (Here’s the Math)

9 wrz 2026269h

This episode focuses on the financial realities of sports betting, emphasizing that it is not a wealth-building strategy. The hosts present statistics showing that 96% of sports gamblers lose money over five years and that the average expected loss is $10.40 per $100 wagered. They advise treating any sports betting as a hobby with strict guardrails, avoiding parlays, and never redirecting investment funds. The episode also includes listener Q&A on topics like emergency funds, Roth conversions, and saving for children.

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The Money Guy Show

Financial Advisors Debunk TikTok Money Advice

7 wrz 2026317h

The episode debunks viral TikTok financial advice, emphasizing that 10% savings rates and rule-of-thumb multipliers are often too low, and that starting to invest early matters more than picking individual stocks. The hosts repeatedly advocate for low-cost index funds like the S&P 500 over stock picking or trading, warning that getting lucky on concentrated bets in tech and AI is not repeatable and is akin to gambling. They stress building wealth through consistent saving, diversification, and understanding one's own cash flow rather than chasing get-rich schemes.

Pomysły · 2

• 13:58SPYLongThe hosts argue that instead of trying to beat the market by picking stocks, investors should simply 'be the market' by owning the entire index, which historically outperforms most professional money managers. — Brian-1,0% od odcinka
  Dlaczego ta transakcja

  “I would rather instead you trying to beat the market, just be the market. We live in a wonderful world of innovation right now, and you can actually own a part of it by doing index funds and simple stuff like that” — Brian

  1. The hosts reference SPIVO research showing professional money managers are 'smoked' by the S&P 500.
  2. They recommend 'simple stuff like that' – low-cost index funds – because they have no commissions and provide broad, diversified exposure.
  3. Therefore, an investor should go long an S&P 500 index fund like SPY to gain diversified market returns.
• 13:30NVDAUnikaćThe hosts warn against emulating stock-picking success stories like those in Nvidia, which they suggest may be just luck for the average person; they favor diversified investing. — Brian-4,8% od odcinka
  Dlaczego ta transakcja

  “Maybe she got lucky and she put $2,500 in Nvidia, you know, a gazillion years ago. There there are unicorns out there, but past performance is not indicative that you'll be able to reproduce that” — Brian

  1. The hosts cite a TikToker who claims to have turned $2,500 into 'well over $100,000' by investing in tech and AI, possibly implying Nvidia.
  2. Brian says such outcomes are 'unicorns' and past performance doesn't indicate you can reproduce that.
  3. Thus, rather than buying NVDA, an investor should avoid high-risk concentrated stock picks and choose index funds.

The Money Guy Show

How To Be Wealthy By Age

4 wrz 2026389h

This episode of The Money Guy Show focuses on personal finance and wealth milestones by age, rather than specific investment recommendations. The hosts advocate for consistent saving and investing in index funds or target-date funds as the primary strategy, with no direct stock or asset calls mentioned.

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The Money Guy Show

The Rules of Retirement Have Changed (Here’s How To Prepare)

2 wrz 2026437h

The hosts discuss that retirement planning now requires a 40-year horizon due to longer life expectancies and earlier retirements. They emphasize strategies like using three tax buckets, maximizing HSAs, and strategic Roth conversions to manage inflation, healthcare costs, market volatility, and taxes. They also answer audience questions about savings rates, personal finance decisions, and warn against credit card debt and gambling trends.

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The Money Guy Show

The Truth About Making $65,000 Per Year at 27

31 sie 2026485h

This episode of The Money Guy Show features a financial coaching session with a 27-year-old guest, Melissa, who earns $65,000 and has a net worth of $61,000. The hosts discuss her investment strategy, including her holding of a CD in her IRA, which they advise holding until maturity despite its low yield, due to the penalty. They also recommend she consider switching from traditional pre-tax 401(k) contributions to Roth contributions given her relatively low effective tax rate, and they debate the optimal approach to paying off her car loan, which carries a 9% interest rate. Overall, the hosts

Pozycje · 4

• 42:03Certificate of Deposit (CD) in Roth IRALongHold the CD in her retirement account to maturity despite the early withdrawal penalty, as the implied return from avoiding the penalty is about 12%. — Speaker 0–
  Dlaczego ta transakcja

  “We would argue, even though it's not ideal right now, I probably would recommend holding it to maturity and not taking that 12% pay cut.” — Speaker 0

  1. The CD currently pays 4% interest and matures in June 2027; cashing out early would forfeit about $200 in interest plus a $30 penalty.
  2. The net loss from early withdrawal is roughly 12% of the value, which is a significant haircut to avoid.
  3. Given the CD matures in under a year, it's better to wait and then redeploy the funds into a more appropriate investment.
• 43:01Roth 401(k) contributionsLongSwitch from traditional pre-tax 401(k) contributions to Roth contributions because her effective tax rate is relatively low at around 18.8%, and tax-free growth will benefit her given her age. — Speaker 0–
  Dlaczego ta transakcja

  “I think for someone her age with tons of time to grow, I think she might not consider switching her contributions to Roth contributions, letting that money grow tax free.” — Speaker 0

  1. Her current effective tax rate is estimated at 18.8% (federal + state/city), which is not particularly high.
  2. Since she is in her 20s, the power of compounding on tax-free growth in a Roth is significant.
  3. Paying taxes now at a lower marginal rate allows her to avoid potentially higher taxes on withdrawals in retirement.
• 28:29Pay off car loan earlyLongPay off the car loan aggressively despite the 9% interest rate, because the relatively small balance and her high savings rate make it a beneficial move for her financial stability. — Speaker 1–
  Dlaczego ta transakcja

  “I'm gonna be a okay with you because you're only you're down to $6,000. It's not gonna break my heart to have 8.99 is not in our terms for a 20 something, a super high interest rate, but it's also not something that gets me like, wow, that'” — Speaker 1

  1. The car loan has an 8.99% interest rate, which is considered high, and she owes approximately $6,000.
  2. The premium cost over a lower rate is about $350 per year, which is manageable but still worth eliminating.
  3. Paying it off frees up about 8% of her income, reducing her needs ratio and allowing for more automated savings.
• 18:01Index funds in Roth IRALongInvest in target-date index funds in her Roth IRA, as they provide diversified, low-cost exposure appropriate for her age and long-term goals. — Speaker 1–
  Dlaczego ta transakcja

  “Index. No, it's a target date index fund. Speaker 0: Okay. Love that. See, you buried the lady. You know what you're doing.” — Speaker 1

  1. She already uses a target-date index fund in her Roth IRA, which is a suitable choice for retirement savings.
  2. Index funds offer broad market exposure and low fees, which are critical for long-term compounding.
  3. The hosts endorse this approach, citing it as a smart, low-maintenance strategy.

The Money Guy Show

How To Build Wealth If You’re Already Behind

28 sie 2026557h

This episode focuses on strategies for individuals who are behind on retirement savings, emphasizing the importance of increasing savings rates, cutting expenses, boosting income, and delaying retirement or Social Security to catch up. The hosts advocate for a disciplined approach, avoiding risky shortcuts, and using tools like the Financial Order of Operations. No specific stock or asset recommendations are made; the advice is general financial planning guidance.

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