Extreme Personal Finance Show

Chris Luger
  • 5.0 (12)
  • SELF-IMPROVEMENT
  • UPDATED BIWEEKLY

The Extreme Personal Finance Show Well be talking about earning money, saving and spending as well as investing and retirement. I'll be joined by my friends, and guests along the way. Join me as we take personal finance to the extreme and crank this bitch to 11! HORNS UP! \m/ \m/

  1. 3H AGO

    Renting vs Owning: The Real Costs Nobody Talks About (REISSUE) | 092

    Renting vs Owning: The Real Costs Nobody Talks About (REISSUE) | 092 originally published 8/18/21 Renting vs. owning. It’s the personal finance debate that never dies. In this REISSUE from 2021, Chris and co-host April dig into the real costs people forget when they say “renting is throwing money away.” We break down the sneaky homeowner expenses that don’t show up in your mortgage payment, like property taxes, homeowners insurance, repairs, appliances, and utilities. Chris shares real numbers from his own home (including years where repairs and upgrades hit hard), while April compares it to the simplicity of renting where most costs are bundled and you can move with way less friction. We also talk about lifestyle reality, flexibility, the emotional “permanency” factor, and why buying only makes sense if it matches your goals, timeline, and sanity. Plus, we point you to a rent vs. buy calculator you can use to run your own numbers. In this episode, we cover: The true monthly cost of homeownership beyond the mortgageProperty taxes, insurance, maintenance, and “surprise” repairsUtilities and what renters typically don’t pay forFlexibility, mobility, and why lifestyle matters more than egoEquity, appreciation, and the “rent is throwing money away” mythA practical rent vs. buy calculator to help you decide Contact Chris: https://heavymetal.money https://www.facebook.com/MoneyHeavyMetal https://x.com/MoneyHeavyMetal https://www.instagram.com/chrisluger https://www.tiktok.com/@heavymetalmoney email: chris at heavymetal.money Resources: https://www.nerdwallet.com/mortgages/rent-vs-buy-calculator

    31 min

  2. FEB 13

    Never Too Late: Starting Your Financial Journey | 091

    In this episode of Heavy Metal Money, Chris discusses the importance of financial education and awareness, emphasizing that it's never too late to start learning about money and investing. He addresses common feelings of shame associated with late financial learning and highlights the significance of understanding retirement accounts, tracking spending, and building an emergency fund. Chris also explores the potential for increasing income through job changes and side hustles, ultimately encouraging listeners to take the first steps towards financial freedom. Takeaways It's never too late to start learning about money.Many people feel overwhelmed by personal finance due to a lack of education.Starting late is not a barrier to financial freedom; it's an opportunity to learn.Emotional spending can occur when there is no financial plan in place.Most adults are guessing about their finances and lack understanding of retirement accounts.Awareness is the first step towards financial success.Consistency in investing is more important than picking hot stocks.Tracking spending helps identify where money is going and can redirect funds.Changing jobs can lead to higher wages and better opportunities.Building an emergency fund is crucial for financial security. Chapters 00:00 It's Never Too Late to Start 03:00 Understanding Financial Awareness and Education 05:57 The Importance of Tracking Spending 08:52 Investing Basics and Consistency 11:54 Increasing Income and Side Hustles 14:54 Building an Emergency Fund 16:48 Finding Clarity and Next Steps Join THE EXTREME PERSONAL FINANCE COMMUNITY! The Heavy Metal Money Mosh Pit! www.moshpit.heavymetal.money Contact Chris: https://heavymetal.money https://www.facebook.com/MoneyHeavyMetal https://x.com/MoneyHeavyMetal https://www.instagram.com/chrisluger https://www.tiktok.com/@heavymetalmoney email: chris at heavymetal.money

    18 min

  3. JAN 29

    8 Heavy Metal Money Rules for Financial Survival | 090

    Join the Heavy Metal Money Mosh Pit! The Extreme Personal Finance Community! https://moshpit.heavymetal.money/Get your FREE Fast Track to Financial Freedom Guide! https://moshpit.heavymetal.money/ What Heavy Metal Teaches Us About Financial Survival In this solo episode of The Extreme Personal Finance Show, Chris from Heavy Metal Money breaks down the unspoken rules of the mosh pit and translates them into real-world personal finance principles that can help you survive, build wealth, and avoid painful financial mistakes. From not rushing in before you understand the rhythm, to picking people up when they fall, to knowing when it’s time to tap out, these 8 Heavy Metal Money rules of personal finance are about discipline, awareness, community, and protecting your downside. This episode is about: Why ego destroys portfoliosHow community spreads financial literacyWhen cutting losses is actually a power moveWhy taxes, inflation, and cash flow are the “laws of money physics”How preparation turns panic into patienceAnd why money is just an amplifier for the life you actually want to live Don't be overwhelmed by investing noise, or stuck feeling like you’re one bad decision away from getting wrecked, this episode will help you learn the rhythm, respect the pit, and build wealth on your own terms. Keep your horns up, protect your downside, and move forward with purpose. Subscribe to Heavy Metal Money and The Extreme Personal Finance Show wherever you listen to podcasts Contact Chris: https://heavymetal.money https://www.facebook.com/MoneyHeavyMetal https://x.com/MoneyHeavyMetal https://www.instagram.com/chrisluger https://www.tiktok.com/@heavymetalmoney email: chris at heavymetal.money Resources and Links: Mosh pit rules are important to know if you're taking the plunge this music festival season https://www.abc.net.au/news/2017-12-27/mosh-pit-etiquette-stay-safe-and-have-fun/9268764 Mosh Pit Rules for Money: What Heavy Metal Teaches Us About Financial Survival https://heavymetal.money/moshpitrules/ The “Boring” Investing, Low-Fee Index Funds Strategy That Quietly Wins https://heavymetal.money/low-fee-index-funds/ Understanding the Sunk Cost Fallacy, And How to Avoid It https://heavymetal.money/sunkcost/ Real Estate Investing. Is It For Everyone? https://heavymetal.money/real-estate-investing-is-it-for-everyone/ Stacked and Loaded with Joe Saul-Sehy, let’s Build a Badass Financial Life https://youtu.be/v7te5MTreLw?si=MI7p3g1_S0s84H-q

    16 min

  4. JAN 23

    The Heavy Metal Money Mosh Pit: A Extreme Personal Finance Community for Real Conversations | 089

    In this quick solo episode, Chris jumps behind the mic to share what he’s been building behind the scenes at Heavy Metal Money, fresh insights from Podfest, and why community matters more than ever when it comes to money. Chris introduces the Heavy Metal Money Mosh Pit, a brand-new private Facebook group built for real people who want honest conversations about personal finance This is a space for: Breaking out of the paycheck-to-paycheck grindChasing financial independence on your own termsTalking markets, mindset, and money decisions without the noiseSharing wins, asking real questions, and having each other’s backs Think of it like a financial mosh pit, you might get bumped around, but nobody gets trampled. Join the Mosh Pit here: https://moshpit.heavymetal.money And receive the Fast-Track to Finance Freedom guide: 7-Step Guide to Shredding Debt, Building Wealth, and Taking Back Control Whether you’re watching on YouTube or listening to the podcast, thanks for being part of what we’re building. See you in the pit. 🤘💰 Contact Chris: https://heavymetal.money https://www.facebook.com/MoneyHeavyMetal https://x.com/MoneyHeavyMetal https://www.instagram.com/heavy_metal_money https://www.tiktok.com/@heavymetalmoney email: chris at heavymetal.money

    4 min

  5. JAN 16

    How To Get 1% Better and Improve Financial Wellness | David Gillis | E088

    What makes some people freeze when things get tough, while others rise to the occasion? In this episode, I chat with David Gillis, a former U.S. Air Force officer and the owner of Spark Financial Wellness, about making tough choices, staying financially healthy, and how to improve by just 1% every day. David uses military-level precision to help people manage stress, boost their decision-making, and perform when it really counts. We explore why we sometimes get stuck in analysis paralysis, the fight-or-flight-or-freeze response, and why there are often more than one good way to solve a problem (even if it doesn't seem that way). We also talk about: How to prioritize when everything feels urgentThe difference between reversible and irreversible decisionsBuilding systems that reduce financial stress and anxietyWhy past, present, and future thinking matters for your moneyLiving in the moment instead of waiting for some mythical retirementDavid's upcoming 1% Better Conference for us looking to better ourselves! If you've ever felt stuck making a decision, overwhelmed by your to-do list, or paralyzed by financial stress, this conversation will help you move forward with clarity and confidence. Contact Chris: https://heavymetal.money https://www.facebook.com/MoneyHeavyMetal https://x.com/MoneyHeavyMetal https://www.instagram.com/chrisluger https://www.tiktok.com/@heavymetalmoney email: chris at heavymetal.money Connect with David:sparkfinancialwellness.com https://www.sparkfinancialwellness.com/conference Resources and Links: Thinking in Bets: Making Smarter Decisions When You Don't Have All the Facts  by Annie Duke https://a.co/d/3wKr18P Atomic Habits: An Easy and Proven Way to Build Good Habits and Break Bad Ones by James Clear https://a.co/d/bVEqK3h 75 HARD IS A TRANSFORMATIVE MENTAL TOUGHNESS PROGRAM. https://andyfrisella.com/pages/75hard-info https://onepercentbetterspeakersconference.com https://www.sparkfinancialwellness.com The Checklist Manifesto: How to Get Things Right by Atul Gawande https://a.co/d/eNzDylE Start with why -- how great leaders inspire action | Simon Sinek | TEDxPugetSound https://youtu.be/u4ZoJKF_VuA?si=gVxg-WEtOZ1jZgGk https://campfi.org https://economeconference.com https://finconexpo.com

    44 min

  6. JAN 9

    How to Reach Financial Independance and Build Wealth Through Real Estate With Dustin Heiner | 087

    Become Successfully Unemployed: Dustin Heiner’s Real Estate Playbook for Financial Freedom Ever dream of firing your boss, walking out of your 9–5 like a rockstar, and never waking up to an alarm clock again?  That’s exactly what today’s guest, Dustin Heiner, uses a simple but powerful real estate system he still teaches today. In this episode of The Extreme Personal Finance Show, Dustin breaks down how he built 30+ rental properties, nearly 1,000 apartment units, and multiple businesses. Doing this all all without working a traditional job. He calls it becoming “Successfully Unemployed,” and he wants you to get there too. We dig into: Why fear of losing money keeps people stuck (and why working for someone else is actually WAY riskier)  How Dustin was laid off from a “safe” government job and turned that moment into a financial awakening  The #1 mistake new investors make (and why building a business BEFORE buying property is non-negotiable)  Why cash flow — not unit count — determines true financial independence How he scaled across five different states using vetted teams and expert systems  20+ creative financing strategies Dustin uses (including HELOCs, subject-to, private money, and more) Why rents rise with inflation — and how real estate protects your lifestyle when everything else gets more expensive  How his 16-year-old daughter bought her first cash-flowing rental with her life savings (yes… seriously)  Building generational wealth, raising financially smart kids, and using real estate as your “freedom engine” If you’ve ever thought “I wish I could invest in real estate someday”… this episode will flip that switch forever. BONUS! Dustin’s Free Course: Text RENTAL to 33777 to get his full real estate investing course for free.  Follow Dustin on Instagram: @thedustinheiner Contact Chris: https://heavymetal.money https://www.facebook.com/MoneyHeavyMetal https://x.com/MoneyHeavyMetal https://www.instagram.com/chrisluger https://www.tiktok.com/@heavymetalmoney email: chris at heavymetal.money Resources and Links: https://masterpassiveincome.com Real Estate Wealth Builders Con https://my.incomebuilder.io/live Rich Dad Poor Dad: What the Rich Teach Their Kids About Money That the Poor and Middle Class Do Not! by Robert T. Kiyosaki  https://amzn.to/3XQV6bW Master Passive Income Real Estate Investing Podcast https://podcasts.apple.com/us/podcast/master-passive-income-real-estate-investing/id1374007222

    52 min

  7. JAN 2

    How to Retire Early with an Average Income and Intentional Living | 086

    How to Retire Early with an Average Income and Intentional Living In this episode of The Extreme Personal Finance Show, I sit down with Rob Pietz! He's a guy who completely destroys the myth that you need a high-powered salary to achieve financial independence early. Rob built his entire retirement plan on average middle-class income, frugal living, smart decisions, DIY home upgrades, intentional career changes, and consistent investing. We dig into: How Rob used Social Security income data to track his lifetime earnings The shockingly “modest” income timeline of a couple who still retired early Paying yourself first even when it feels like “living paycheck to paycheck” Building wealth while raising kids, changing careers, and going back to school Downsizing, becoming mortgage-free, and designing a more walkable lifestyle Avoiding lifestyle creep while still enjoying life Why your 20s are the most powerful investing decade you’ll ever have How to think about travel, the “go-go” years, and building purpose after retirement Why mindset beats income. Every time! If you’ve ever thought, “I don’t make enough to retire early,” this episode is your wake-up call. Rob proves you can build financial freedom on normal income with a six-figure mindset, not a six-figure paycheck. Contact Chris: https://heavymetal.money https://www.facebook.com/MoneyHeavyMetal https://x.com/MoneyHeavyMetal https://www.instagram.com/chrisluger https://www.tiktok.com/@heavymetalmoney email: chris at heavymetal.money Resources and Links: The Millionaire Next Door: The Surprising Secrets of America's Wealthy by Thomas J. Stanley Ph.D. & William D. Danko Ph.D https://amzn.to/3JK97oB

    53 min

  8. 12/26/2025

    How to build wealth & Give Back with Rebecca Herbst | 085

    In this episode, I sit down with Rebecca Herbst, the founder of Yield & Spread! A not-for-profit investing course and movement designed to make financial education simple, empowering, and accessible to everyone. After retiring at just 32 through financial independence, Rebecca now dedicates her time to helping others build wealth and give back through effective altruism. We dive into how to overcome fear of investing, the power of keeping your strategy simple, and how financial mindfulness can change your life. Rebecca shares her journey from corporate real estate to early retirement, her philosophy behind risk-averse, passive investing, and how she uses money as a tool to create more freedom and generosity in the world. If you’ve ever felt overwhelmed by how to give back it doesn't have to be complicated — it’s empowering. In this episode, you’ll learn: How Rebecca reached financial independence by age 32Why simple, low-cost investing beats complexityThe truth about budgeting and finding your “enough”How to align wealth-building with generosity and purposeWhy Yield & Spread donates 100% of profits to charity Contact Chris: https://heavymetal.money https://www.facebook.com/MoneyHeavyMetal https://x.com/MoneyHeavyMetal https://www.instagram.com/chrisluger https://www.tiktok.com/@heavymetalmoney email: chris at heavymetal.money Connect with Rebecca rebecca@yieldandspread.org Resources and Links: https://www.yieldandspread.org https://www.thelifeyoucansave.org/ Charitable Giving and Tax Strategies with Sean Mullaney, The FI Tax Guy | E076 https://youtu.be/FYkdYiydDqE?si=WZ6gpTeI_T-Fhy8m https://www.charitynavigator.org/ https://www.thelifeyoucansave.org/ https://www.givewell.org https://www.givinggreen.earth https://www.givedirectly.org https://choosefi.com Effective Giving for the FI Community | Rebecca Herbst & Jack Lewars https://www.youtube.com/watch?v=Hs3oHR0WVsE

    1h 6m
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About

The Extreme Personal Finance Show Well be talking about earning money, saving and spending as well as investing and retirement. I'll be joined by my friends, and guests along the way. Join me as we take personal finance to the extreme and crank this bitch to 11! HORNS UP! \m/ \m/

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