Marriage Kids and Money: Personal Finance for Families

How do you decide between Roth and traditional investing when you want flexibility in the future? We kick off the show by answering a listener question from Liz about how much to invest in Roth versus traditional accounts. We walk through tax diversification, the three bucket strategy, and how to think about today’s income versus retirement so your family can build wealth with options.

Next, we sit down with Anthony Rojas from Georgia for our Net Worth Win segment. Anthony shares how his family built an $868,000 net worth by age 39, the financial lessons shaped by his upbringing, and how he and his wife are using money to create stability, generosity, and meaningful experiences for their growing family.

We wrap things up with a Money Quiz featuring Calvin. Together, we test his knowledge on net worth, investing, and YouTube monetization so kids and parents can learn and play along together.

Chapters 🎧

0:00 Introduction and Episode Overview 

1:29 Listener Question from Liz 

2:51 Tax Buckets Explained 

11:52 Anthony Rojas's Net Worth Journey 

21:38 Building Generational Wealth 

31:03 Money Quiz with Calvin Hill 

Resources and Links 📚

📖My new book, "Own Your Time" 

https://marriagekidsandmoney.com/ownyourtimeamazon

📞Voicemail for Questions: Leave a voicemail at marriagekidsmoney.com/voicemail to have your question answered on the show!

🎙️Anthony Rojas's Podcast: Listen to Anthony's podcast, Unknown Variables

🍑Nectarine Financial Advisors: Recommended for advice-only financial planning. Visit marriagekidsmoney.com/Nectarine for more information.

💻 Sponsors and Additional Resources

⁠https://marriagekidsandmoney.com/resources⁠

👉Connect with me on social media:

LinkedIn: AndyHillMKM

Instagram and Facebook: MarriageKidsAndMoney

Credits

Editor: Johnny Sohl

Podcast Artwork: Kayli Johnson
Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode, I talk with Cody Berman and Sean Mullaney about what it really takes to reach early financial independence. Cody shares how he built a $4.8 million net worth by 29 through frugal living, intentional spending, and creating multiple income streams, while Sean breaks down the smartest tax strategies early retirees use to access money sooner and keep more of what they earn.

We cover how to effectively use 401(k)s, Roth IRAs, HSAs, and taxable accounts together, plus key tactics like the Rule of 55, Roth conversions, and tax arbitrage that can dramatically lower your lifetime tax rate. Sean makes complex tax planning simple and actionable for anyone pursuing FIRE.

Whether you’re just starting your wealth-building journey or planning an early retirement, this episode delivers practical strategies to grow wealth faster and design a flexible, purpose-driven financial future.

CHAPTERS 🎧

00:00 – Welcome & Episode Overview

01:10 – Best Accounts for Early Retirement

02:45 – Why Traditional 401(k)s Still Matter

04:55 – Accessing Retirement Money Before 59½

07:10 – Roth IRAs for Early Retirement Flexibility

11:45 – Using Taxable Accounts to Retire Early

14:10 – Tax Rate Arbitrage & Keeping Taxes Low

18:45 – HSAs, ACA Planning, and Early Retirement

23:10 – Financial Independence with Purpose

26:00 – Net Worth Win: $4.8M by Age 29

27:45 – Cody Berman’s FIRE Origin Story

32:00 – Quitting Corporate & Scaling Income Fast

37:00 – Building Multiple Income Streams

41:45 – Net Worth & Asset Breakdown

46:25 – Debt, Risk, and Long-Term Wealth Strategy

50:55 – Spending, Lifestyle, and Life After FI

52:55 – Advice for Your 20s & Getting Started

55:00 – Final Thoughts & Where to Connect

Resources and Links 📚

My new book, "Own Your Time" - https://marriagekidsandmoney.com/book

Sponsors and Additional Resources

https://marriagekidsandmoney.com/resources

FI Tax Guy (Sean’s blog & tax planning resources): https://fitaxguy.com/

Cody Berman’s official site (passive income guides & resources): https://codydberman.com/

The Financial Independence Show (podcast by Cody Berman & Justin Taylor): https://podcasts.apple.com/us/podcast/the-financial-independence-show/id1434155196

Gold City Ventures (Cody’s company focused on passive income and online business): https://goldcityventures.com/

Gold City Ventures on YouTube: https://www.youtube.com/c/goldcityventures

Credits

Editor: Johnny Sohl

Podcast Artwork: Kayli Johnson
Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode of the Marriage Kids and Money podcast, we break down Coast FIRE, a financial approach that lets you “coast” to retirement once your investments can grow on their own, without needing to keep pouring money in.

We're joined by Mike English, who shares his real-life path to reaching Coast FIRE in his 30s and what that decision changed about his life and priorities. Plus, Calvin joins Andy and hops on the mic for a fun and meaningful conversation about why investing early actually matters. They talk investment strategies, financial independence, and how to think long-term about building wealth that lasts.

If you’ve ever wondered whether you’re saving enough, questioned the pressure to grind forever, or thought about what kind of money story you want your kids to grow up with, this episode might shift how you think about the road to financial freedom.

Chapters 🎧

00:00 Introduction to Coast Fire

01:15 Understanding Coast Fire by Age 30, 40, and 50

12:08 Interview with Mike English: Achieving Coast Fire

34:04 Good Word with Calvin: Celebrating Financial Literacy

Resources and Links 📚

My new book, "Own Your Time" - https://marriagekidsandmoney.com/ownyourtimeamazon

Try our FREE Coast FIRE Calculator 📱

https://marriagekidsandmoney.com/calculators/coast-fire/

Sponsors and Additional Resources

https://marriagekidsandmoney.com/resources

Credits

Editor: Johnny Sohl

Podcast Artwork: Kayli Johnson
Learn more about your ad choices. Visit megaphone.fm/adchoices

We’re one day away from launch, and I wanted to share a quick update and ask for your support.

As of today, Own Your Time is at 354 pre-orders, with a goal of 500 by launch day. If Marriage Kids and Money has helped you think differently about your family’s financial independence journey, this is a meaningful way to support the work and the message behind the show.

The easiest way to help is to pre-order on Amazon. Search “Own Your Time by Andy Hill” or use the link below. Pre-orders close soon, and ordering today truly makes a difference.

If you’re new here, this book is the playbook. It’s the entire philosophy of this podcast in one place for $28.

Pre-order on Amazon:https://marriagekidsandmoney.com/ownyourtimeamazon
Learn more about your ad choices. Visit megaphone.fm/adchoices

I couldn’t sleep this morning. It’s book launch week for Own Your Time.

In this quick episode, I share why this book means so much to me and how grateful I am for the Marriage Kids and Money community. If the show has helped you think differently about money, time, or family, I’d love your support by pre-ordering a copy for yourself or someone you care about, sharing it when it arrives, and leaving a review.

Pre-order Own Your Time:
Amazon: https://marriagekidsandmoney.com/ownyourtimeamazon
Barnes and Noble: https://marriagekidsandmoney.com/ownyourtimebarnesandnoble
Learn more about your ad choices. Visit megaphone.fm/adchoices