BiggerPockets Money Podcast

BiggerPockets

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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.

4H AGO

The New FIRE? Why Time Freedom Beats Early Retirement

What if financial independence isn’t about retiring early — but about controlling your time right now? In this episode of the BiggerPockets Money Podcast, hosts Mindy Jensen and Scott Trench sit down with Brian Herriot — millionaire in his 40s, now managing a $3 million portfolio, and author of Time Freedom — to talk about redefining what financial independence really means. Brian shares how he built wealth, why he shifted his focus from net worth to time control, and how entrepreneurship, investing, and spending habits all play a role in designing a life you don’t want to escape from. They dive into: The mindset shift from “early retirement” to “time freedom” How Brian grew from $1M to a $3M portfolio The life events that reshaped his financial goals Why flexible work can accelerate financial independence The connection between entrepreneurship and freedom Investing strategies that align with your life vision The overlooked importance of relationships in business Health insurance, risk management, and real-world FIRE challenges Work-life balance and building a sustainable version of success If you’re pursuing FIRE, building wealth, or questioning whether early retirement is actually the goal — this conversation will challenge how you think about money. To go beyond the podcast: Kick start your financial independence journey with our FREE financial resources Subscribe on YouTube for even more content Connect with us on social media to join the other BiggerPockets Money listeners Connect with Brian Herriot: Website: https://timefreedom.life/ Buy Brian’s New Book ‘Time Freedom’: https://timefreedom.life/book/ Learn more about your ad choices. Visit megaphone.fm/adchoices

58 min
3D AGO

The Ultimate Guide to Finding Your Ideal Side Hustle

How do you choose a side hustle that actually makes money instead of wasting your time? In this episode of the BiggerPockets Money Podcast Nick Loper from Side Hustle Nation breaks down exactly how to find the right opportunity by aligning your skills and interests with real market demand. Whether you're looking for low-skill options to get started or high-paying side hustles that don't require heavy lifting, Nick explains how to identify opportunities in everyday problems, set realistic income expectations, and use AI to brainstorm ideas tailored to your specific situation. Learn why most side hustles fail, how to avoid common mistakes, and the proven framework for choosing something that will actually generate income. This Episode Covers: It's important to take an honest inventory of your available time for a side hustle. Setting realistic goals for your side hustle can help maintain motivation. Identifying your skills and interests is crucial for finding the right side hustle. Look for opportunities in everyday problems that others face. Low-skill side hustles can be a good starting point for many people. Market demand is essential; if a service is needed, there's potential for success. Building trust and reputation is key to gaining clients in any side hustle. AI can assist in brainstorming side hustle ideas tailored to your skills. Creative solutions for busy families can lead to lucrative side hustle opportunities. And SO much more! To go beyond the podcast: Kick start your financial independence journey with our FREE financial resources Subscribe on YouTube for even more content Connect with us on social media to join the other BiggerPockets Money listeners Connect with Nick Loper: Website Social Media AI Brainstorming Worksheet Learn more about your ad choices. Visit megaphone.fm/adchoices

58 min
6D AGO

Debate: AUM vs Flat Fee Which is Better?

In this episode of the BiggerPocketsMoney podcast, Mindy Jensen and Scott Trench host Ryan Sterling, CEO of NerdWallet Wealth Partners, to discuss the nuances of different financial advisor compensation structures. Whether you're planning your financial future or evaluating advisors, understanding these models can help you make informed decisions that align with your goals. This Episode Covers: The core differences between flat fee and assets under management (AUM) fee models How transparency and client mindset influence fee preferences The conflicts of interest inherent in AUM and commission-based models When AUM fees may be more appropriate for high-net-worth clients Practical scenarios demonstrating long-term cost implications of each model The evolving landscape of flat fee financial planning and industry fee compression Ryan’s insights on selecting quality advisors and the importance of credentials like CFP How fee structure impacts client behavior, trust, and long-term financial outcomes To go beyond the podcast: Kick start your financial independence journey with our FREE financial resources Subscribe on YouTube for even more content Connect with us on social media to join the other BiggerPockets Money listeners Connect with Ryan Sterling: LinkedIn NerdWallet Wealth Partners We believe financial independence is attainable for anyone no matter when or where you’re starting. Let’s get your financial house in order! NerdWallet Wealth Partners, LLC is an SEC-registered investment adviser. Registration does not imply a certain level of skill or training and nothing contained herein should be construed as investment advice. NerdWallet Wealth Partners does not guarantee investment results and does not provide tax or legal advice. Learn more about your ad choices. Visit megaphone.fm/adchoices

1h 7m
FEB 3

How We Built a $1M Net Worth by 32 (Step-by-Step Breakdown)

Trevor and his wife reached a $1 million net worth by age 32 and are on track to achieve financial independence well before 40. In this episode of the BiggerPockets Money Podcast, hosts Mindy Jensen and Scott Trench chat with Trevor about his unconventional journey involving strategic career moves, real estate investments, and leveraging corporate benefits. Learn how Trevor went from a $1,000 net worth after college to $1 million through smart financial decisions and opportunities. Trevor shares his experiences, challenges, and the importance of financial flexibility in achieving Coast Fire in his 30s. To go beyond the podcast: Kick start your financial independence journey with our FREE financial resources Subscribe on YouTube for even more content Connect with us on social media to join the other BiggerPockets Money listeners We believe financial independence is attainable for anyone no matter when or where you’re starting. Let’s get your financial house in order! Learn more about your ad choices. Visit megaphone.fm/adchoices

55 min
JAN 30

The 4% Rule Was Never Designed for FIRE’s Healthcare Reality

The 4% rule has a major flaw: it doesn't account for healthcare costs. If you're planning to retire early, health insurance premiums will rise sharply as you age—from your 30s through your 60s before Medicare kicks in at 65. This isn't speculation; it's how the U.S. healthcare system works under the ACA. On this episode of the BiggerPockets Money podcast, Mindy Jensen and Scott Trench break down why early retirees need a bigger financial buffer than traditional FIRE calculations suggest. Learn the real cost of healthcare in early retirement, strategies to reduce expenses (geographical arbitrage, health shares, catastrophic coverage), why you can't rely on ACA subsidies long-term, and how to build a healthcare plan that won't derail your path to financial independence. To go beyond the podcast: Kick start your financial independence journey with our FREE financial resources Subscribe on YouTube for even more content Connect with us on social media to join the other BiggerPockets Money listeners We believe financial independence is attainable for anyone no matter when or where you’re starting. Let’s get your financial house in order! Learn more about your ad choices. Visit megaphone.fm/adchoices

58 min
JAN 27

The Major MONEY Milestones To Hit By EVERY Decade!

Are you on track to achieve financial independence? In this episode of the BiggerPockets Money podcast, Mindy Jensen and Scott Trench outline the essential financial milestones for your 20s, 30s, 40s, and 50s. Learn the net worth benchmarks and financial habits that will set you up for a successful journey to financial freedom in EVERY decade. Whether you’re just starting out or looking to refine your strategy, this comprehensive guide will help you plan and achieve your financial goals. To go beyond the podcast: Kick start your financial independence journey with our FREE financial resources Subscribe on YouTube for even more content Connect with us on social media to join the other BiggerPockets Money listeners We believe financial independence is attainable for anyone no matter when or where you’re starting. Let’s get your financial house in order! Learn more about your ad choices. Visit megaphone.fm/adchoices

48 min
JAN 23

The Proven Path to Financial Independence by 44

Should you retire the second you hit financial independence, or is there value in working just a little longer? Steven faced this exact decision at 40 and chose to work four more years. The result? He added $1 million to his net worth and entered retirement at 44 with $3.5 million and a bulletproof plan. In this conversation, Steven shares his complete early retirement strategy, including why he delayed retirement past his FI number, how those extra years set him up for flexible spending of $120K-$180K annually, and the specific withdrawal tactics he uses to optimize taxes and health insurance subsidies. This Episode Covers: Steven's journey from engineer to early retirement at 44 Why he chose to work four more years after hitting his FI number Career transitions and strategic income optimization Investment strategy and asset allocation for early retirement Planning the transition to early retirement Flexible spending strategy: $120K-$180K annual range Navigating the ACA subsidy cliff for health insurance Strategic Roth conversions and tax optimization Safe withdrawal rates and managing inflation Starting new business ventures in early retirement What daily life actually looks like in early retirement at 44 Steven's story proves that "one more year syndrome" isn't always fear-based procrastination—sometimes it's strategic planning that pays off big. Whether you're close to your FI number or just beginning your journey, his practical approach offers a roadmap for retiring early with confidence. Follow BiggerPockets Money: Website: https://www.biggerpocketsmoney.com Facebook: https://www.facebook.com/groups/BPMoney Instagram: https://www.instagram.com/biggerpocketsmoney/ Learn more about your ad choices. Visit megaphone.fm/adchoices

49 min
JAN 20

How to Negotiate Your Salary and Reach Financial Independence Faster | Paula Pant

Want to reach financial independence faster? The quickest path isn't extreme frugality—it's earning more. And that starts with salary negotiation. Paula Pant from the Afford Anything podcast joins Mindy Jensen and Scott Trench to break down exactly how to negotiate your salary, whether you're asking for a raise, negotiating a job offer, or realizing you're chronically underpaid. Paula shares her personal negotiation journey, the strategies that worked (and what didn't), and the mindset shifts that helped her confidently ask for more. This Episode Covers: Paula Pant's personal salary negotiation experiences and lessons learned How to determine your true market value (beyond salary surveys) Understanding the employer's perspective in negotiations BATNA (Best Alternative to a Negotiated Agreement) and why it's your secret weapon Daily negotiation practice: building the skill in low-stakes situations Using scorecards and performance reviews to document your value Perfect timing for asking for a raise (and when NOT to ask) How to set yourself up for a promotion before you ask Negotiating strategies in tough job markets and recessions Aligning your incentives with your employer's goals Whether you're early in your career, a seasoned professional, or someone who's never negotiated before, Paula's practical advice will help you earn more and reach financial independence faster. Every successful negotiation adds years of compounding returns to your FIRE timeline. 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 Paula Pant: Website: https://affordanything.com/ Instagram: https://www.instagram.com/paulapant 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

1h 1m

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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
Ryan Sterling

Guest
Bill Yount

Guest
Regina Moore

Guest

4.5

out of 5

2,961 Ratings

Interesting program.

11/21/2025

Interested bystander

Fire away.
Too many ads

Feb 1

Primozaj

I started listening to this podcast in mid to late 2025. For an initial listener there is a lot of good content. However, it has quickly become repetitive. While normally that wouldn’t bother me too much, when you couple that with SO many ads, I am about ready to be done with this one.
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

Creator

BiggerPockets
Years Active

2017 - 2026
Episodes

727
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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