Money Guy Show

Private equity is becoming more accessible to everyday investors—and it could eventually show up inside your 401(k) and target-date funds. But how does private equity actually work, and does it deserve a place in your investment portfolio? We break down private equity vs. the stock market, historical returns, illiquidity, leverage, the “2 and 20” fee structure, diversification, and the risks investors need to understand. Plus, we explain where alternative investments could fit within the Financial Order of Operations, why low-cost index funds remain the foundation for most investors, and what to research before putting retirement money into private markets. ⁠⁠⁠⁠Jump start your journey with our FREE financial resources⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠Reach your goals faster with our products⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠Take the relationship to the next level: become a client⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠Subscribe on YouTube for early access and go beyond the podcast⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠Connect with us on social media for more content⁠⁠⁠⁠⁠⁠⁠ Bring confidence to your wealth building with simplified strategies from The Money Guy. Learn how to apply financial tactics that go beyond common sense and help you reach your money goals faster. Make your assets do the heavy lifting so you can quit worrying and start living a more fulfilled life. Learn more about your ad choices. Visit megaphone.fm/adchoices

Start a free trial, and get 50% off your first year of Monarch Core Tier with code MONEYGUY at https://bit.ly/monarch-moneyguy Americans are carrying staggering amounts of debt by age, but how does your debt compare? Brian and Bo break down the average debt for Gen Z, Millennials, and Gen X, including credit card debt, student loans, car loans, and mortgages. More importantly, they explain which debts could derail your investing, retirement savings, emergency fund, and path to financial independence. Whether you're wondering how much debt is normal for your age, when to pay off debt vs. invest, how much car you can afford, or whether you should pay off your mortgage early, this episode gives you a framework for making smarter money decisions. ⁠⁠⁠⁠Jump start your journey with our FREE financial resources⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠Reach your goals faster with our products⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠Take the relationship to the next level: become a client⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠Subscribe on YouTube for early access and go beyond the podcast⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠Connect with us on social media for more content⁠⁠⁠⁠⁠⁠⁠ Bring confidence to your wealth building with simplified strategies from The Money Guy. Learn how to apply financial tactics that go beyond common sense and help you reach your money goals faster. Make your assets do the heavy lifting so you can quit worrying and start living a more fulfilled life. Learn more about your ad choices. Visit megaphone.fm/adchoices

⁠⁠⁠⁠Is viral financial advice helping you build wealth—or leading you toward costly money mistakes? Financial advisors Brian and Bo react to internet money gurus and break down the truth about 401(k) investing, Roth vs. traditional retirement accounts, financial advisor fees, real estate investing, tax deductions, and paying off your mortgage early. Should you cash out your 401(k) to buy rental property? Is paying a financial advisor 1% worth it? And when does a traditional 401(k) make more sense than a Roth? Discover how smart investing, tax planning, and the Financial Order of Operations can help you make better decisions for financial independence. Jump start your journey with our FREE financial resources⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠Reach your goals faster with our products⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠Take the relationship to the next level: become a client⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠Subscribe on YouTube for early access and go beyond the podcast⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠Connect with us on social media for more content⁠⁠⁠⁠⁠⁠⁠ Bring confidence to your wealth building with simplified strategies from The Money Guy. Learn how to apply financial tactics that go beyond common sense and help you reach your money goals faster. Make your assets do the heavy lifting so you can quit worrying and start living a more fulfilled life. Learn more about your ad choices. Visit megaphone.fm/adchoices

How much income puts you in the top 10% of Americans? The answer might surprise you! According to U.S. income percentile data, earning around $163,000 annually puts an individual in the top 10% of earners. But does a six-figure salary actually make you wealthy? We break down average and median income, top 10% and top 1% income thresholds, and how age, education, and location affect your earning potential. Plus, discover practical ways to increase your income, avoid lifestyle inflation, improve your savings rate, and invest for long-term financial independence. Because building wealth isn't just about what you earn—it's about what you keep! ⁠⁠⁠⁠Jump start your journey with our FREE financial resources⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠Reach your goals faster with our products⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠Take the relationship to the next level: become a client⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠Subscribe on YouTube for early access and go beyond the podcast⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠Connect with us on social media for more content⁠⁠⁠⁠⁠⁠⁠ Bring confidence to your wealth building with simplified strategies from The Money Guy. Learn how to apply financial tactics that go beyond common sense and help you reach your money goals faster. Make your assets do the heavy lifting so you can quit worrying and start living a more fulfilled life. Learn more about your ad choices. Visit megaphone.fm/adchoices

Order Christy Carlson’s Romano’s new book ‘Once Upon a Trainwreck” here: https://www.simonandschuster.com/books/Once-Upon-a-Trainwreck/Christy-Carlson-Romano/9781668082218 Follow Christy here: https://linktr.ee/TheChristyCarlsonRomano Former Disney star Christy Carlson Romano reveals what really happened to her money after Even Stevens, Kim Possible, and Cadet Kelly. From making seven figures at a young age to lifestyle inflation, financial mistakes, debt, budgeting, and eventually investing in index funds, Christy joins Brian and Bo to unpack the money lessons fame never taught her. They discuss how to recover from financial mistakes, build wealth after starting over, teach kids about money, use a Roth IRA, avoid lifestyle creep, and create a healthier relationship with money—proving that a high income and true financial independence are two very different things. ⁠⁠⁠⁠Jump start your journey with our FREE financial resources⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠Reach your goals faster with our products⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠Take the relationship to the next level: become a client⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠Subscribe on YouTube for early access and go beyond the podcast⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠Connect with us on social media for more content⁠⁠⁠⁠⁠⁠⁠ Bring confidence to your wealth building with simplified strategies from The Money Guy. Learn how to apply financial tactics that go beyond common sense and help you reach your money goals faster. Make your assets do the heavy lifting so you can quit worrying and start living a more fulfilled life. Learn more about your ad choices. Visit megaphone.fm/adchoices

Start a free trial, and get 50% off your first year of Monarch Core Tier with code MONEYGUY at https://bit.ly/monarch-moneyguy Financial advisors react to hilarious money advice, investing memes, budgeting fails, sports betting, home buying, and viral personal finance clips from across the internet. Brian and Bo break down why gambling isn’t investing, whether simple S&P 500 index fund investing can beat an overly complicated strategy, how to budget and live below your means, and why buying a house feels so difficult right now. If you’re trying to build wealth, improve your investing strategy, save more money, understand home affordability, or reach financial independence without making money unnecessarily complicated, these funny financial clips contain some surprisingly valuable lessons. ⁠⁠⁠⁠Jump start your journey with our FREE financial resources⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠Reach your goals faster with our products⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠Take the relationship to the next level: become a client⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠Subscribe on YouTube for early access and go beyond the podcast⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠Connect with us on social media for more content⁠⁠⁠⁠⁠⁠⁠ Bring confidence to your wealth building with simplified strategies from The Money Guy. Learn how to apply financial tactics that go beyond common sense and help you reach your money goals faster. Make your assets do the heavy lifting so you can quit worrying and start living a more fulfilled life. Learn more about your ad choices. Visit megaphone.fm/adchoices

Are you actually building wealth, or are your money habits quietly holding you back? Inspired by the traits in The Millionaire Next Door, Brian and Bo break down 7 habits of wealth builders and everyday millionaires—from living below your means and investing intentionally to avoiding lifestyle inflation, raising financially independent kids, and choosing a career that creates opportunity. Learn how disciplined saving, investing, budgeting, financial independence, and smart money decisions can shape your long-term net worth. If you’ve wondered how millionaires build wealth, what wealthy people do differently, or whether you’re on the path to financial freedom, these seven questions can help you evaluate your progress. ⁠⁠⁠⁠Jump start your journey with our FREE financial resources⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠Reach your goals faster with our products⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠Take the relationship to the next level: become a client⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠Subscribe on YouTube for early access and go beyond the podcast⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠Connect with us on social media for more content⁠⁠⁠⁠⁠⁠⁠ Bring confidence to your wealth building with simplified strategies from The Money Guy. Learn how to apply financial tactics that go beyond common sense and help you reach your money goals faster. Make your assets do the heavy lifting so you can quit worrying and start living a more fulfilled life. Learn more about your ad choices. Visit megaphone.fm/adchoices

⁠⁠⁠⁠Start a free trial, and get 50% off your first year of Monarch Core Tier with code MONEYGUY at https://bit.ly/monarch-moneyguy If you’re in your 30s or 40s, this could be one of the most important wealth-building periods of your life. Brian and Bo explain why ages 32–48 create a powerful “wealth window” where rising income, compound growth, retirement investing, and smart financial planning can work together. You’ll learn why reaching your first $100,000 invested matters, how much to save for retirement, why a 20–25% savings rate can be so powerful, and how lifestyle inflation, credit card debt, housing costs, and missed 401(k) opportunities can derail your progress. Whether you’re investing at 30, building wealth at 40, or wondering if you’re on track for retirement, this episode gives you a framework for making the most of these critical years. Jump start your journey with our FREE financial resources⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠Reach your goals faster with our products⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠Take the relationship to the next level: become a client⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠Subscribe on YouTube for early access and go beyond the podcast⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠Connect with us on social media for more content⁠⁠⁠⁠⁠⁠⁠ Bring confidence to your wealth building with simplified strategies from The Money Guy. Learn how to apply financial tactics that go beyond common sense and help you reach your money goals faster. Make your assets do the heavy lifting so you can quit worrying and start living a more fulfilled life. Learn more about your ad choices. Visit megaphone.fm/adchoices

Brian and Bo react to some of the most unbelievable personal finance advice, money mistakes, and investing decisions on the internet. From inflation and future home prices to buying too much house, spending while in debt, retirement withdrawal strategies, sequence of returns risk, and extreme frugality, they break down what smart money management actually looks like. Whether you’re trying to build wealth, save for retirement, get out of debt, buy a home, or reach financial independence, these real-world examples reveal why creating margin, investing consistently, and following the Financial Order of Operations can matter more than flashy financial shortcuts. ⁠⁠⁠⁠Jump start your journey with our FREE financial resources⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠Reach your goals faster with our products⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠Take the relationship to the next level: become a client⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠Subscribe on YouTube for early access and go beyond the podcast⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠Connect with us on social media for more content⁠⁠⁠⁠⁠⁠⁠ Bring confidence to your wealth building with simplified strategies from The Money Guy. Learn how to apply financial tactics that go beyond common sense and help you reach your money goals faster. Make your assets do the heavy lifting so you can quit worrying and start living a more fulfilled life. Learn more about your ad choices. Visit megaphone.fm/adchoices

Are you doing better financially than the average American in 2026? We want to find out - and see how Financial Mutants compare. In this episode, we break down median financial asset data by age and share how you can take the Financial Mutant Survey at moneyguy.com/survey to anonymously share where you are on your financial journey. We’ll use the results to explore financial assets by age, savings, investing, retirement progress, net worth benchmarks, and how serious money optimizers stack up against their peers. Whether you feel ahead, behind, or unsure if you’re on track for retirement and financial independence, your experience can help shape future Money Guy episodes. The survey closes September 30, so make your voice count! Jump start your journey with our FREE financial resources⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠Reach your goals faster with our products⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠Take the relationship to the next level: become a client⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠Subscribe on YouTube for early access and go beyond the podcast⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠Connect with us on social media for more content⁠⁠⁠⁠⁠⁠⁠⁠ Bring confidence to your wealth building with simplified strategies from The Money Guy. Learn how to apply financial tactics that go beyond common sense and help you reach your money goals faster. Make your assets do the heavy lifting so you can quit worrying and start living a more fulfilled life. Learn more about your ad choices. Visit megaphone.fm/adchoices