Marriage Kids and Money: Personal Finance for Families

Nicole left her corporate career six weeks ago to launch her own skincare studio.

So... was it the right decision?

In this Bread & Wine conversation, we pour a glass, get honest about the emotional highs and lows of entrepreneurship, and share what it's really like when the excitement of starting a business gives way to self-doubt, marketing struggles, and sleepless nights.

We talk about:

Why Nicole finally decided to leave her job after years of thinking about it

The surprising challenges of running your own business

How social media can hurt confidence more than it helps

Why promotion is often harder than creating a great product

What it's like to support your spouse through a major career transition

Why starting a business feels a lot like becoming a parent

Whether you're dreaming about starting a business, considering a career change, or simply navigating a season of uncertainty, we hope this conversation reminds you that you're not alone.

Thanks for joining us for another Bread & Wine. Cheers! 🍷

*Links & Resources*

Glass Skin Studiohttps://glass-skin-studio.com

Follow Nicole on Instagramhttps://www.instagram.com/glassskinnicole

The RealEsth with Nicole Hill (YouTube)https://www.youtube.com/@therealesth
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This summer marks 10 years of Marriage Kids and Money.

Back in 2016, I launched this podcast with a simple goal: help families build wealth and create more freedom. Over the past decade, we've shared hundreds of conversations about money, marriage, parenthood, entrepreneurship, financial independence, and designing a life you love.

Today, I have a quick personal update. For the first time in the show's history, I'm taking the summer off.

Why? Because if I'm going to encourage you to own your time and prioritize what matters most, I need to do the same. With my kids now 14 and 12, I want to spend this season making memories with my family, focusing on my health, and creating more space in my life.

Consider this the end of the first 10-year season of Marriage Kids and Money.

Thank you for being part of this journey. I'll see you back here in September for Season Two.

Carpe diem.
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Emily Egashira grew her family’s net worth to $2.2 million by age 35. But her story didn’t start there.

Growing up in poverty, Emily experienced financial instability firsthand and was determined to create a different future for her family. In this episode, we explore how she and her husband built wealth through intentional spending, consistent investing, and a shared vision for financial independence.

Emily shares how they increased their household income from $120,000 to more than $400,000, paid off their mortgage in just three years, and built a seven-figure investment portfolio. We also discuss financial communication in marriage, raising a child with healthy money values, and using wealth as a tool to create freedom and generosity.

If you've ever wondered how to build wealth without lifestyle inflation or how financial independence can create more options for your family, this conversation is for you.

Want to build wealth and design a life around what matters most? Grab our book Own Your Time: https://marriagekidsandmoney.com/book

In This Episode You'll Learn:

How Emily grew her family's net worth to $2.2 million by age 35

Why monthly money meetings strengthened their marriage

How they paid off a mortgage in just three years

The role investing played in building a seven-figure portfolio

How to balance generational wealth with raising grounded kids

Why financial independence is really about freedom and flexibility

Resources Mentioned:

Instagram: https://www.instagram.com/heyfrienditsem

TikTok: https://www.tiktok.com/@heyfrienditsem

Monarch Money (track your net worth): https://marriagekidsandmoney.com/monarchmoney

Leave a voicemail for the show: https://marriagekidsandmoney.com/voicemail

Podcast Credits:
Host: Andy Hill
Editor: Johnny Sohl
Podcast Support: Michelle Ahmed
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What happens after you reach Coast FIRE?

For years, you save aggressively, maximize retirement accounts, and build wealth with one goal in mind: hitting your investment goal. But once you arrive at Coast FIRE—Coast to Financial Independence and Relax Early—a new question emerges:

Now what?

In this episode, we answer a thoughtful listener question from Richard, who has built a seven-figure net worth with his wife but feels stuck in a sales career that’s wearing him down. We discuss how to actually act on Coast FIRE, the four career paths available after reaching the milestone, and how to use the financial strength you’ve built to create more freedom and margin in your life today.

Then, we welcome back retirement expert Jesse Cramer to discuss an important and often-overlooked topic: Social Security benefits after divorce. We cover how spousal and survivor benefits work, eligibility requirements, common misconceptions, and what divorced spouses need to know when planning for retirement.

What Coast FIRE really means beyond the calculators

Four career paths to consider after reaching Coast FIRE

Why more money isn't always the answer

How to use your wealth to create more time freedom

Social Security spousal benefits explained

Social Security survivor benefits explained

Divorce and Social Security eligibility rules

Common Social Security claiming strategies for married couples

Retirement planning considerations for divorced spouses

RESOURCES

Own Your Time: https://marriagekidsandmoney.com/book

Coast FIRE Calculator: https://marriagekidsandmoney.com/coast-fire-calculator

Personal Finance for Long-Term Investors Podcast: https://bestinterest.blog/podcast

Leave a Voicemail: https://marriagekidsandmoney.com/voicemail

Instagram: @marriagekidsandmoney

LinkedIn: @AndyHillMKM

CREDITS

Host: Andy Hill
Editor: Johnny Sohl

Podcast Support: Michelle Ahmed
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What would it feel like to never make a mortgage payment again? In this episode, we talk with Bobby Richardson from New Jersey about how he and his wife Alexandra paid off their $242,000 mortgage in just 10 years and became completely debt free on their home.

We discuss the emotional side of homeownership, the desire for certainty in an uncertain world, and why becoming mortgage free gave their family peace of mind. Bobby also shares the practical strategies they used to make it happen, including increasing their income, staying aligned as a couple, and maintaining an achievement mindset throughout the journey.

If you’ve ever wondered whether paying off your mortgage early is worth it, this conversation will give you a transparent look at both the math and the meaning behind becoming mortgage free.

RESOURCES


Mortgage Payoff Calculator: https://marriagekidsandmoney.com/calculators/mortgage-payoff/


Own Your Time: https://marriagekidsandmoney.com/book


Barbell Financial (Bobby Richardson): https://www.barbellfinancial.com/

HOW WE MAKE MONEY + DISCLAIMER:
This show may contain affiliate links or links from our advertisers where we earn a commission, direct payment or products.
Opinions are the creators alone.
Information shared on this podcast is for entertainment purposes only and should not be considered as professional advice.
Marriage Kids and Money (www.marriagekidsandmoney.com) is a participant in the Amazon Services LLC Associates Program, an affiliate advertising program designed to provide a means for sites to earn advertising fees by advertising and linking to amazon.com.

CREDITS:
Host: Andy Hill
Editor: Johnny Sohl
Podcast Support: Michelle Ahmed
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