BiggerPockets Money Podcast

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Intermediate to advanced personal finance strategies for people serious about the FIRE (financial independence retire early) movement—not just dreaming about it. Tune in on Tuesdays and Fridays for new BiggerPockets Money episodes with your hosts, Mindy Jensen and Scott Trench! Or visit BiggerPocketsMoney.com with additional resources.

2D AGO

How to Reach Coast FIRE (The Relaxed Way to Retire!)

What if you didn't have to save 70% of your income to retire early? What if you could hit a number in your 30s, ease off the gas, and still reach financial independence—without sacrificing your present life? That's Coast FIRE, and today's guest Andy Hill is the perfect example of how it works in real life. Andy hit his Coast FIRE number in his late thirties, left his corporate job at 40, and now runs a successful part-time business that supports his family of four while giving him total control over his time. In this conversation, Andy breaks down his journey from W2 employee to entrepreneur, the specific Coast FIRE calculations that gave him confidence to leave, and how he built a business that prioritizes family first, income second. This Episode Covers: What Coast FIRE actually is and how it's different from traditional FIRE Andy's path from corporate employee to hitting his Coast FIRE number in his late 30s How Andy built the confidence to leave his W2 job at 40 Transitioning from employee to entrepreneur while supporting a family of four Building a part-time business that generates enough income without the corporate grind How Coast FIRE allows you to prioritize family and lifestyle now (not just in retirement) Key lessons from Andy's book 'Own Your Time' How to structure your life around what matters most If traditional FIRE feels too extreme or you're tired of delaying life for decades, Coast FIRE might be the strategy you've been looking for. Andy's story proves you can have financial independence AND a life you love today. Connect with Andy Hill: Social: https://www.instagram.com/marriagekidsandmoney Website: https://marriagekidsandmoney.com/ Pre-Order ‘Own Your Time’ Now: https://marriagekidsandmoney.com/book/ Subscribe to our Weekly Newsletter: www.biggerpocketsmoney.com Follow BiggerPockets Money on Social: Facebook: https://www.facebook.com/groups/BPMoney Instagram: https://www.instagram.com/biggerpocketsmoney/ Learn more about your ad choices. Visit megaphone.fm/adchoices

51 min
5D AGO

How to Retire Early: A 15-Year Plan to Go from $1,000 to FIRE

What if you're doing FIRE in the wrong order? Most people chasing financial independence are following steps that actually slow them down—and it could be costing you years of freedom. In this episode, Mindy Jensen and Scott Trench break down the exact step by step order for achieving FIRE as fast as possible. Whether you're just starting with your first emergency fund or you're already maxing out retirement accounts and wondering what's next, this episode gives you the complete roadmap. You'll learn which financial moves to prioritize, which to skip, and how to avoid the "middle-class trap" that kills most early retirement dreams before they happen. This Episode Covers: The correct financial order of operations for FIRE (step-by-step from $0 to early retirement) Which retirement accounts to fund first (401k, IRA, Roth, HSA strategy) High-interest debt payoff strategy that accelerates FIRE When to start investing in taxable brokerage accounts How to add real estate and cash-flowing investments to your FIRE plan Mistakes that cost people years on their path to FIRE If you're confused about what to do next on your FIRE journey, this is your complete checklist. No more guessing—just the fastest, most efficient path to financial independence. Subscribe to our Weekly Newsletter: www.biggerpocketsmoney.com Want to be a guest on the show? Apply here: www.biggerpocketsmoney.com/contact/ Follow BiggerPockets Money on Social: Facebook: https://www.facebook.com/groups/BPMoney Instagram: https://www.instagram.com/biggerpocketsmoney/ Learn more about your ad choices. Visit megaphone.fm/adchoices

50 min
JAN 2

How to Use AI to Reach Financial Independence Faster

AI is revolutionizing how we build wealth and achieve financial independence. In this episode, Mindy Jensen and Scott Trench break down exactly how to use AI tools to accelerate your path to FI—from automating budgets and analyzing investments to generating income streams and optimizing your financial strategy. Discover which AI tools actually work for personal finance, how AI is changing job markets and earning potential, and practical ways to leverage this technology today. Whether you're new to AI or already experimenting, learn how to use artificial intelligence as your secret weapon for reaching financial freedom faster. This Episode Covers: How AI tools can accelerate your path to financial independence Practical AI applications for budgeting and personal finance management Using AI for investment research and strategy development AI-powered income generation and side hustle opportunities How AI is changing job markets and what it means for your career Real risks and limitations of AI in financial decision-making Future trends in AI and personal finance How to stay ahead in the AI revolution without getting overwhelmed Whether you're an AI skeptic or enthusiast, you'll walk away with actionable ways to use this technology to reach your financial goals faster. Subscribe to our Weekly Newsletter: www.biggerpocketsmoney.com Follow BiggerPockets Money on Social: Facebook: https://www.facebook.com/groups/BPMoney Instagram: https://www.instagram.com/biggerpocketsmoney/ Learn more about your ad choices. Visit megaphone.fm/adchoices

31 min
12/30/2025

Scott Builds Four Portfolios with Four Different Strategies ($40k Experiment)

In this episode of the BiggerPockets Money Podcast with Mindy Jensen and Scott Trench, Scott builds four different investment portfolios using real money, each account starting with $10,000 and employing different strategies. Scott invests in an index fund, a 60/40 stock-bond portfolio, a risk parity portfolio, and a unique actively managed thesis. Follow along as they discuss the rationale, mechanics, and expected outcomes of these investments. NOTE: This episode is for educational and entertainment purposes only and is NOT professional investment advice. Brokerage services provided by Open to the Public Investing Inc, member FINRA & SIPC. Investing involves risk. Experience of this investor may not be representative of other customers. Past performance does not guarantee future results, and investment values may rise or fall. At Public earn an uncapped 1% bonus when you transfer your portfolio with: www.Public.com/BPM Subscribe to the FREE 31 Day Challenge Starting on January 1st: www.biggerpocketsmoney.com/31days Subscribe to our Weekly Newsletter: www.biggerpocketsmoney.com Want to be a guest on the show? Apply here: https://biggerpocketsmoney.com/contact/ Get 50% Off Your First Year of Monarch by using code ‘Pockets’: https://www.monarchmoney.com/ Connect with Scott and Mindy: Scott: https://www.instagram.com/scott_trench/ Mindy: https://www.instagram.com/_mindyatbp/ Follow BiggerPockets Money on Social: Facebook: https://www.facebook.com/groups/BPMoney Instagram: https://www.instagram.com/biggerpocketsmoney/ Learn more about your ad choices. Visit megaphone.fm/adchoices

43 min
12/26/2025

Which Path to Financial Independence Is Faster? Sell or Rent?

Should you turn your primary home into a rental property or sell it when you move? It's one of the biggest financial decisions homeowners face, and in this episode, Mindy Jensen and Scott Trench are helping Alyssa and John figure out the answer. This couple is relocating and facing a dilemma: they have a home with a low mortgage rate that could generate rental income, but they're also craving simplicity and wondering if selling would accelerate their path to financial independence. Alyssa and John open up about their complete financial picture, investment portfolio, and long-term FI goals as Scott and Mindy crunch the numbers and weigh the options. This Episode Covers: The financial pros and cons of converting your primary residence into a rental property How to analyze rental property cash flow and return on investment Tax implications of selling vs. renting out your home The impact of low mortgage rates on the rent vs. sell decision Lifestyle considerations: being a long-distance landlord and property management challenges How rental income affects your path to financial independence Real numbers breakdown: Alyssa and John's complete financial analysis Property management costs and whether DIY landlording is worth it How to make smarter real estate decisions during major life transitions And SO much more! Learn more about your ad choices. Visit megaphone.fm/adchoices

48 min
12/23/2025

How to Set FIRE Goals and Actually Achieve Them (2026)

Episode #704 ~~~ Download the Goal Setting Document: www.biggerpocketsmoney.com/resources ~~~ Subscribe to the 31 Day Challenge: www.biggerpocketsmoney.com/31days ~~~ Subscribe to our Weekly Newsletter: www.biggerpocketsmoney.com ~~~ Want to be a guest on the show? Apply here: https://biggerpocketsmoney.com/contact/ ~~~ Get 50% Off Your First Year of Monarch by using code ‘Pockets’: https://www.monarchmoney.com/ ~~~ Connect with Scott and Mindy: Scott: https://www.instagram.com/scott_trench/ Mindy: https://www.instagram.com/_mindyatbp/ ~~~ Follow BiggerPockets Money on Social: Facebook: https://www.facebook.com/groups/BPMoney Instagram: https://www.instagram.com/biggerpocketsmoney/ ~~~ Learn how to set and achieve your 2026 goals in this episode of the BiggerPockets Money podcast with hosts Mindy Jensen and Scott Trench. In this episode, Mindy and Scott review their 2025 achievements and create actionable plans for 2026, covering everything from family milestones and fitness goals to business ventures and financial targets. You'll discover proven goal-setting techniques, strategic planning frameworks, and practical tips for turning New Year's resolutions into real results. What You'll Learn: Strategic goal-setting frameworks for personal, financial, and professional growth How to set realistic yet ambitious goals for 2026 Accountability strategies to actually achieve your resolutions Real examples of personal finance goals and wealth-building plans How to track progress and adjust goals throughout the year And SO much more! Learn more about your ad choices. Visit megaphone.fm/adchoices

37 min
12/19/2025

How to Track Your Path to FI in 2026 (Step-by-Step Guide)

Ready to take control of your finances in 2026? Mindy Jensen and Scott Trench are breaking down one of the most powerful tools for financial success: the personal financial statement. Think of it as your complete financial snapshot—tracking your net worth, cash flow, assets, and liabilities all in one place. The best part? They're giving you a free comprehensive spreadsheet to make it ridiculously easy. This Episode Covers: What a personal financial statement is and why it's essential for reaching your 2026 FI goals How to calculate your net worth and track it over time Step-by-step instructions for filling out your financial statement spreadsheet Organizing your assets and liabilities in one powerful location Using cash flow analysis to understand where your money goes Tips for serious financial planning with your completed statement Access to the free comprehensive spreadsheet template at BiggerPocketsMoney.com/resources Mindy and Scott's recommended budgeting software, Monarch Money (use code 'Pockets' for 50% off Your First Year) Whether you're just starting out or ready to level up your money game, this episode gives you the foundation you need. Learn more about your ad choices. Visit megaphone.fm/adchoices

25 min
12/16/2025

How this Couple Achieved FIRE in Their 30s (Average Income)

Sam and Carolyn reached financial independence in their thirties through frugality, real estate investing, and building side hustles that generated $10,000 per month. Then they made a bold move—quitting their jobs and briefly relocating to Canada. This Episode Covers: How Sam and Carolyn house-hacked their way to a multi-property real estate portfolio The unconventional side hustles that generated $10K monthly in additional income Their complete financial strategy: savings rate, expense tracking, and investment allocation The decision to quit their jobs and achieve full financial independence in their thirties Why they moved to Canada and how universal healthcare and education factored into their FIRE plan Navigating the challenges of early retirement and aligning goals as a couple Building systems for long-term wealth preservation and flexible lifestyle design Lessons learned and advice for aspiring FIRE seekers Whether you're just starting your FIRE journey or looking for creative ways to accelerate your path to financial independence, Sam and Carolyn's story offers actionable strategies you can implement today. Learn more about your ad choices. Visit megaphone.fm/adchoices

1h 9m

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TRAILER

BiggerPockets Real Estate 2.0 - A New Era of the Podcast

The BiggerPockets Real Estate Podcast is about to hit a huge milestone—our 1,000th episode! Real estate has changed quite a bit since we started this podcast, so we’re making some changes, too. We’re bringing on new guests and new formats while focusing on investing tactics and strategies that work in TODAY’s housing market. Oh, and did we mention fewer ads, too? We’re still delivering the time-tested knowledge, inspiration, and news you expect from the BiggerPockets Real Estate Podcast so YOU can work towards financial freedom, no matter the market conditions. Join Dave Meyer, our new host, for our 1,000th episode, and tune in on Mondays, Wednesdays, and Fridays to learn how YOU can reach financial independence through real estate! Hit “Follow” to never miss an episode! Check out more resources from this show on BiggerPockets.com and https://www.biggerpockets.com/blog/money-no-number Interested in learning more about today’s sponsors or becoming a BiggerPockets partner yourself? Email advertise@biggerpockets.com Learn more about your ad choices. Visit megaphone.fm/adchoices

08/05/2024

•

3 min

Mindy Jensen

Host
Scott Trench

Host
Regina Moore

Guest

4.5

out of 5

2,955 Ratings

Interesting program.

11/21/2025

Interested bystander

Fire away.
Demoralizing

12/27/2025

Neek of the North

I’ve listened to a few episodes and found the scenarios (especially episode 705) to be too far removed from the average person’s reality. To the point of being completely demoralizing. I appreciate the resources like the spreadsheet Scott recently published for free use, but that’s about it. The advice may be useful if you are a high income earner( ep 705 - late 30s couple w/ $290k annual income & $1.9M net worth) or were able to get into real estate at 21 in the 2010 market and build from there. If you are in these categories, you probably don’t need this podcast anyway or could pay for financial advice.
Please slow down and simplify- just a little!

12/20/2025

M Traveling

Love the topics, research, and deep dives that Scott and Mindy offer. Very fun and professional and def pushing the FIRE movement into more sophistication and nuance. My only barrier is (sorry Scott!) when Scott adds extra details that end up making his point unclear. For example, in the de-cumulation strategies in episode 700, Scott gave extra details about brokerage accounts that made me unable to understand what he was trying to explain (eg., step up in basis, realize a gain, etc etc). While I’ve learned about these topics, they’re not concepts I can fully recall in time to understand how it relates to the actual point. If he didn’t add these extra details and instead reiterated the topic (like Mindy does; “a non retirement account, for example a brokerage account”) I’d find myself coming back to the podcast more often. Just my opinion! Great podcast overall
Enjoy the Hosts, But WOW commercials

12/09/2025

Th3morg

The ratio of commercials to show time is the highest of any FI podcast I’ve come across. I want to enjoy the show, but I can only hear about Autotrader so many times before I lose my sanity. Especially when other shows are delivering similar content without the ads.

Channel

BiggerPockets
Creator

BiggerPockets
Years Active

2017 - 2026
Episodes

717
Rating

Clean
Copyright

© Copyright © 2025 BiggerPockets. All Rights Reserved. Disclaimer: The information contained in this podcast is for general informational purposes only. In no event will BiggerPockets be liable for any loss or damage derived from the information provided.
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BiggerPockets Money Podcast