CHECK OUT OUR LATEST EPISODES
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...
042. 6 ways to be a more conscious consumer
Erica joins this week's podcast, and we discuss conscious consumerism and the trifecta of value it can add to your life: it’s good for the world, makes you feel food, and can save you money. We...
041. What we spent in 2023 – Part 2 – Food, Utilities, Internet, and Cell phones
Andrew, Liz, and Greg join this week's podcast and we deep dive into what we each spent on food, utilities, internet, and cell phones in 2023. This is part two of last week’s episode on what we...
040. What we spent in 2023 – Part 1
Andrew, Liz, and Greg join this week's podcast and share what we each spent during 2023. We share our top spending categories, what we feel good about, and what we want to improve in 2024. Show...
039. What’s in our wallet? Our index funds, accounts, and more!
Andrew joins this week's podcast, and we bare all and share what’s in our financial “wallet,” from our accounts to the specific index funds inside them. We talk through the different types of...
038. The inside job of improving your finances
Happy New Year! Greg joins the first podcast of 2024, and we discuss why and how improving your finances is an inside job. We discuss the mindset connection to your finances, the importance of...
037. Best and worst purchases of 2023, superlatives, OnlyFans, and so much more
All of the Inside Out Money co-hosts join for our final episode of 2023. We’ve got Liz, Andrew, Erica, Greg, and Maggie on this week’s episode and share some of our favorites from 2023. We share our...
036. From canceling Netflix to selling our homes – What we’d do in a recession
Liz joins this week's podcast, and we discuss how we’d get lean if needed for a job loss, recession, or serious emergency. We start with a reminder of why building an emergency fund and tracking...
035. Does anyone actually pay sticker price for college? Expert Dr. Rebecca Sandidge answers that and more.
This week, we have a guest discussing how to prepare for and pay less for college; Dr. Rebecca Sandidge, Vice President for Enrollment Management at Oglethorpe University, joins and shares her...
034. Predatory marketing tactics and scams – How to spot and avoid them
Erica joins this week's podcast, and we discuss predatory marketing and sales tactics to avoid. We share the history of advertising and public relations and delve into everything from strategic...
033. Step-by-step path to grow wealth – The investment walk to financial freedom
Andrew joins this week's podcast, and we lay out a step-by-step approach to building and growing wealth. Andrew calls this the “investment walk,” we discuss the specific order we suggest and why...
032. RIP Mint – Expense + Budgeting Tracking Software Review
Greg joins this week's podcast, and we discuss Mint shutting down and our review of other budgeting and expense-tracking software and tools. We tried out Tiller, Monarch, YNAB (you need a budget),...
031. End-of-year financial sh*t you need to do!
Liz joins this week's podcast, and we review all the financial things you need to do before the end of the year. It’s important to take some time before the end of the year to review your 401k...
030. Simple joys and the art of saving money
Erica joins this week's podcast, and we discuss the concept of simple joys and the importance and value of recognizing and appreciating simple joys in our lives. When we find glimmers of joy in our...
029. The great mortgage debate: payoff or invest?
Andrew joins this week's podcast, and we discuss the pros and cons of paying off your mortgage early. We share our mortgage payoff stories and various considerations for deciding whether or not to...
028. Love and money – navigating finances in a relationship
Greg joins this week's podcast, and we share nine tips for navigating and mastering financial communication in a relationship. Talking about money effectively with your partner has a substantial...
027. Happy Sexy Millionaire Book Review – Two thumbs up, one thumb down
Liz and Erica join this week's podcast, and we discuss Steven Bartlett’s book Happy Sexy Millionaire. We share some of the book's central themes and our top insights and takeaways. We discuss the...
026. How to raise a millionaire, according to Maggie’s mom
Maggie’s mom joins this week's podcast and shares many financial lessons and stories from her and Maggie’s childhood. She shares how she learned the importance of saving at a young age and how...
025. Our biggest financial regrets and what we’d have done differently
Andrew joins this week's podcast, and we share our biggest financial regrets and all the things we wish we had gotten right when we were younger. We hope you learn from our mistakes and realize the...
024. The surprising truth of early retirement – 500 days early retired
Greg joins this week's podcast, and we share how we’re both feeling 500 days into early retirement. We share some surprising truths about what’s working, what’s not working, and what we’re committed...
023. 4 reasons HSAs are awesome and how to maximize the benefits of Health Savings Accounts
Liz joins this week's podcast, and we delve into the many reasons why HSAs, or Health Savings Accounts, are awesome! We explain what an HSA is, the requirement of a High-deductible health insurance...
022. How much do you need to retire? Flaws in the 4% rule
Andrew joins this week's podcast, and we answer a popular question: How much do you need to retire? The quick answer is it depends, and we discuss the various factors it depends upon. We explain the...
021. What is enough?
Erica joins this week's podcast, and we discuss the existential topic of enough. What is enough money? What is enough stuff? How do we feel like we are enough? We discuss the concept of enough and...
020. Meditation will fix that – Sit with us September
Liz joins this week's podcast for a bonus episode, and we talk about how awesome meditation is and our personal meditation commitment for September. We share the many benefits of meditation, from...
019. Rental property management – why and how we self-manage
Greg joins this week's podcast, discussing our rental properties and why and how we self-manage them. We share what criteria are important to us in selecting a rental property and how we got into...
018. 9 ways to manage money anxiety
Liz joins this week's podcast, and we talk about anxiety and money. We start with a definition of anxiety, how it’s related to money and your finances, and how people respond to financial anxiety....
017. Three Superpowers to financial success
Andrew joins this week's podcast, and we share three superpowers to financial success. Three superpowers can supercharge your finances and significantly improve your overall financial situation. We...
016. What’s your why, and does it matter?
Perhaps what matters most is figuring out what matters most. Erica joins this week's podcast, and we discuss the value of knowing your why and whether it truly matters. We discuss how defining a why...
015. All the financial hacks with Chris Hutchins
Chris Hutchins from All The Hacks joins this week's podcast and shares his best financial hacks from years of podcasting and interviewing top financial experts. We discuss the importance of...
014. Liz’s $700 dinner, Maggie’s $17K medical expenses, and Andrew’s $18 on coffee – Mid-year expense review
Liz, Andrew, and Greg join this week's podcast and share what we spent in the first half 2023. We discuss why we believe tracking expenses is essential to our financial health and the tools and...
013. Are we quitting travel hacking?
Greg joins this week's podcast, where we share why travel hacking isn’t working for us and why we’ve decided to take a break and adjust our approach. We discuss why we got into travel hacking in the...
012. Setting your kids up for financial success
Andrew joins this week's podcast and we talk about what we’re each doing to set up our kids for financial success. The first step is teaching and educating your kids about money, and part of that is...
011. Die with Zero: 5 takeaways from the anti-frugal book
Liz joins this week's podcast and we discuss Bill Perkin’s book Die with Zero. We share our top takeaways and insights from Die with Zero as we talk about validating the decision to early retire,...
010. Out of sight, out of mind spending
Erica joins this week's podcast, discussing what we consider “out of sight out of mind” spending. Maggie feels strongly that if you’re not tracking your expenses, 100% of your spending is out of...
009. We bought a 2023 Tesla for $10K!? Yes, there’s a little more to the story!
Greg joins this week's podcast, and we finally share why and how we bought a Tesla. We sold our 2016 Prius and bought a 2023 Tesla, and we were out of pocket about $10K! We share Greg’s new side...
008. Save or splurge!? Being intentional with your spending
Erica joins this week's podcast, discussing intentional spending and where we each choose to save or splurge. Intentional spending is all about a values-based, mindful, and conscious approach to...
007. Do $118 yoga pants make you happier? Lifestyle creep and lifestyle satisfaction
Liz joins this week's podcast, and we introduce the concept of lifestyle inflation or creep and share how our lifestyles have inflated in the last 10-20 years. We discuss the research on what makes...
006. 10 Foundations of personal finance
Andrew joins this week's podcast, discussing our top 10 foundations of personal finance. We share how we’ve made progress against these categories, what we wish we had known sooner and did better...
005. Reflections on one year of early retirement
Greg joins this week's podcast, and we discuss our reflections and finances one year into early retirement. First, we share advice our campFI friends have given us along the way as we share how the...
004. The easiest way to be thin and rich
We talk about the parallels between physical fitness and financial fitness, both taboo topics to many, and how they are both quite different yet also similar in some ways. Co-host Liz from...
003. How and why to invest in index funds
Investing in index funds and dollar cost averaging are the boring yet effective ways to invest. Co-host Andrew introduces himself as one of the rotating hosts and shares his passion for personal...
002. Why we spend the way we spend
Why do we spend money the way we spend it? We attempt to break down the psychology of spending, exploring the complex combination of personal, societal, and cultural factors that influence how we...
001. The fresh start effect
Let this first episode be your fresh start as we discuss the fresh start effect. Co-host Greg introduces himself as one of the rotating hosts and shares his background, interests, and experience...
000. Welcome to Inside Out Money
Welcome the the Inside Out Money podcast. Inside Out Money is a personal finance podcast focused on redefining wealth from the inside out. Improving your finances isn't just about the math, it's...