Marriage, Kids And Money

It's been over 10 years since our family jumped on the Dave Ramsey Baby Steps.  Was it worth it? In this BEST OF BREAD & WINE episode, Nicole and I review both the pros and cons of the Dave Ramsey Baby Steps after hitting Baby Step 7.  BREAD & WINE RESOURCES FamZoo: Prepaid debit cards for kids and financial education all in one! Use promo code “MKMFAMZOO” for an extra month of FamZoo! Buy Us a Cheap Bottle of Wine: And we'll give you a shoutout during the show - thanks for the idea, Jacob! MKM RESOURCES **Sponsor + Partners + Deals: https://www.marriagekidsandmoney.com/sponsors YouTube Instagram  Voicemail 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

For our 300th episode, I'm sharing my new and improved 10 Steps to Family Wealth and Happiness. This is all of the information I've gained from the last 5 years of producing this family empowering podcast.  If you're new to the podcast, this is an excellent episode to start with. Enjoy! RESOURCES **Sponsor + Partners + Deals: https://www.marriagekidsandmoney.com/sponsors Mint: Free budgeting app Quotacy: Get your free, online, no-hassle term life insurance quote today Trust & Will: Protect your family with a trust and will  Vanguard: Trusted low-cost brokerage partner Die With Zero: Book by Bill Perkins OTHER EPISODES YOU MIGHT LIKE We Make $100k Per Year But Feel Stuck The 10 Steps I Took to Quit My Job and Start My Business 10 Incredible Benefits of a Paid Off House MKM RESOURCES YouTube Instagram  Voicemail 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

The FIRE Movement is all about financial independence.  Independence to do what you want and on your schedule.  In this BEST OF BREAD & WINE episode, Nicole and I discuss finding the FIRE Movement personally, the elements we like and how we define FIRE for our family. BREAD & WINE RESOURCES Buy Us a Cheap Bottle of Wine: And we'll give you a shoutout during the show - thanks for the idea, Jacob! MKM RESOURCES **Sponsor + Partners + Deals: https://www.marriagekidsandmoney.com/sponsors YouTube Instagram  Voicemail 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

Kevin has been working on paying off his mortgage for years but now he’s having second thoughts. Real estate investing sounds much more interesting to him now. Brennan Schlagbaum, the founder of Budgetdog, joins me to discuss how Kevin can find his motivation to earn his paid-off house (or use his money another way). On our Mortgage Free Family Segment today, we’re going to interview Mark & Tiffany Baker from Terre Haute, Indiana. They recently paid off their mortgage as part of their path to real estate investing in their hometown.  RESOURCES **Sponsor + Partners + Deals: https://www.marriagekidsandmoney.com/sponsors Budgetdog (Instagram) 3 Sisters Investments (Website) OTHER EPISODES YOU MIGHT LIKE The Disadvantages of Paying Off Your Mortgage Early Pay Off My 30-Year Mortgage Early or Invest? 10 Incredible Benefits of a Paid Off House MKM RESOURCES YouTube Instagram  Voicemail DISCLAIMER This show may contain affiliate links or links from our advertisers where we earn a commission, direct payment or produc

We all know telling the truth is a smart move. But how honest do we need to be? In this episode of Bread & Wine, Nicole and I discuss being forthright with your supervisor, straightforward with your partner, and the results of that honesty.  BREAD & WINE RESOURCES Buy Us a Cheap Bottle of Wine: And we'll give you a shoutout during the show - thanks for the idea, Jacob! MKM RESOURCES **Sponsor + Partners + Deals: https://www.marriagekidsandmoney.com/sponsors YouTube Instagram  Voicemail 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

Chris Hutchins has accumulated over 10 million credit card rewards points. He’s used these points to travel first class with his wife and stay in luxury resorts around the world. Today, he shares how he’s done it and how you can get started in the world of travel hacking. RESOURCES **Sponsor + Partners + Deals: https://www.marriagekidsandmoney.com/sponsors Chris Hutchins (website) Capital One Quicksilver: Our current favorite card (1.5% cashback, cash bonus offer, no annual fee) MKM RESOURCES YouTube Instagram  Voicemail 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 advertis

After posting a video about how we became millionaires in 10 years, a conversation about privilege came to the forefront. The video now has 1.6 million views and a boatload of comments about privilege vs hard work. In this episode of Bread & Wine, Nicole and I discuss privilege and if it played a role in our family's financial independence story. BREAD & WINE RESOURCES **Sponsor + Partners + Deals: https://www.marriagekidsandmoney.com/sponsors Buy Us a Cheap Bottle of Wine: And we'll give you a shoutout during the show - thanks for the idea, Jacob! MKM Instagram MKM Voicemail Learn more about your ad choices. Visit megaphone.fm/adchoices

Mike wants to know how best to use his Health Savings Account (HSA) after receiving some larger medical bills. Ashlee deSteiger discusses options for Mike's HSA investment strategy and how others can take advantage of Health Savings Accounts.  Also, Bob Armour, CMO from M1 Finance, shares why investors should consider M1 Finance over Vanguard in our Fintech Spotlight segment.  RESOURCES **Sponsor + Partners + Deals: https://www.marriagekidsandmoney.com/sponsors Ashlee deSteiger (website) M1 Finance: The Finance Super App MKM RESOURCES YouTube Instagram  Voicemail 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

A lot of us are working toward something. A financial goal. A personal challenge. Overcoming a difficult career change. Will life be better when you reach your final destination? We discuss if the grass is greener on the other side or ... if it's just another shade of green after Nicole's recent career change.  BREAD & WINE RESOURCES **Sponsor + Partners + Deals: https://www.marriagekidsandmoney.com/sponsors The Subtle Art of Not Giving a F**k by Mark Manson (book mentioned during the show) Buy Us a Cheap Bottle of Wine: We'll give you a shoutout during the show - thanks for the idea, Jacob! MKM Instagram MKM Voicemail Learn more about your ad choices. Visit megaphone.fm/adchoices

Do you want to make a million with real estate? Dustin Heiner was able to quit his job at 37 after building up enough passive income through long-distance real estate investing. Check out his story and see how you can make a million in real estate. RESOURCES **Sponsor + Partners + Deals: https://www.marriagekidsandmoney.com/sponsors Dustin Heiner (Website) MKM RESOURCES YouTube Instagram  Voicemail 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. Learn more about your ad choices. Visit megaphone.fm/adchoices

Are you looking to bring back intimacy in your marriage? Nick and Amy McKinlay, founders of The Ultimate Intimacy App, share couples can grow their intimacy together.  We review the importance of communication, understanding your partner's love language, and how to get more (and better) sex.  RESOURCES The Ultimate Intimacy App: The #1 Marriage and Intimacy App for Couples MKM Instagram: https://www.instagram.com/marriagekidsandmoney MKM Voicemail: https://www.marriagekidsandmoney.com/voicemail  Learn more about your ad choices. Visit megaphone.fm/adchoices

Our savings rate has dropped from 50% to 10% over the past couple of years ... does that mean we're abandoning the FIRE Movement? I discuss this question after responding to a listener who feels our decreased savings feels like a departure from our financial goals in years past.  Also, we hear from Mandy and Sean Senske about how they became millionaires in their 30's through "boring investing".  RESOURCES **Sponsor + Partners + Deals: https://www.marriagekidsandmoney.com/sponsors Firstly: Smart budgeting tools and real-life advice to get you on the path to family financial wellness. Learn more today!  FamZoo: Prepaid cards and financial education for kids, all in one award-winning app. Use the promo code MKMFAMZOO at check out for an extra month.  Die With Zero (Book) Sean Senske (Website) Mandy Senske (Website) MKM RESOURCES MKM Coaching: Request a free 15-minute consultation today YouTube: Subscribe for free to watch videos of these episodes and interviews Instagram: Follow our IG channel Voicemail: Leave

Nicole got a new job recently and she's so much happier. It is amazing how your life can change based on your job. Feeling valued at work is very important for a lot of us. Nicole isn't alone. According to a recent Gallup Poll, 48% of Americans are actively seeking new job opportunities. A big part of this search is their desire to feel valued and work for a company that aligns with their values. We discuss this importance in both of our careers and how it shapes our lives. RESOURCES **Sponsor + Partners + Deals: https://www.marriagekidsandmoney.com/sponsors MKM Newsletter: http://www.marriagekidsandmoney.com/freegift MKM Instagram: http://www.instagram.com/andyhillmkm  MKM Voicemail: http://www.marriagekidsandmoney.com/voicemail  Learn more about your ad choices. Visit megaphone.fm/adchoices

Are you ready to take back your time? Christy Wright shares the simple steps we can take to find life balance. We also discuss how your priorities can shift over time and why that's okay.  As a young parent, this episode really hit home! RESOURCES **Sponsor + Partners + Deals: https://www.marriagekidsandmoney.com/sponsors Firstly: Smart budgeting tools and real-life advice to get you on the path to family financial wellness. Learn more today!  Take Back Your Time (Christy Wright's Book) ChristyWright.com MKM RESOURCES YouTube Instagram  Voicemail Learn more about your ad choices. Visit megaphone.fm/adchoices

When some people think of big dreams, they think of big houses, fancy cars, or flashy wardrobes. But can big dreams be a lot simpler than that? Nicole and I explore this topic, share out thoughts and ideas from the Marriage Kids and Money community as well. RESOURCES **Sponsor + Partners + Deals: https://www.marriagekidsandmoney.com/sponsors MKM Newsletter: http://www.marriagekidsandmoney.com/freegift MKM Instagram: http://www.instagram.com/andyhillmkm  MKM Voicemail: http://www.marriagekidsandmoney.com/voicemail  Learn more about your ad choices. Visit megaphone.fm/adchoices

Target Date Funds are rapidly surging in popularity lately. Investors are flocking to this “set it and forget it” retirement tool as an easy way to diversify their portfolio and eliminate the fees of working with a high-cost broker. But what are the pros and cons? I dive into my thoughts on the subject.  Also, we answer a question about whether it makes sense to decrease retirement investments to pay down the mortgage quicker.  Last but not least, my daughter Zoey joins me for another money quiz! RESOURCES **Sponsor + Partners + Deals: https://www.marriagekidsandmoney.com/sponsors Firstly: Smart budgeting tools and real-life advice to get you on the path to family financial wellness. Learn more today! MKM Newsletter: Receive a Free Gift from me on how we paid off our mortgage in less than 5 years.  MKM Instagram: Connect with me on social media and say hello! MKM Voicemail: Got a question? Leave me a voicemail.  Learn more about your ad choices. Visit megaphone.fm/adchoices

What classifies someone as a "sell-out"? Nicole and I explore whether either one of us has been a sell-out in the past. We also discuss what it actually means to be a sell-out. We all need money, but where's the line? RESOURCES **Sponsor + Partners + Deals: https://www.marriagekidsandmoney.com/sponsors MKM Newsletter: http://www.marriagekidsandmoney.com/freegift Sorry to Bother You (Movie): https://amzn.to/3uxJds2  MKM Instagram: http://www.instagram.com/andyhillmkm  MKM Voicemail: http://www.marriagekidsandmoney.com/voicemail  Learn more about your ad choices. Visit megaphone.fm/adchoices

College is not getting any cheaper. By some estimates, the cost of college is rising at a rate of 8% per year. To combat this rising cost of hiring education, parents and teens need to look to college scholarships. This is what Kristina Ellis did when she was in high school. Through hard work, dedication, and creating some systems that kept the process easy, Kristina earned $500,000 in college scholarships! Kristina shares the details of how she got it done and dispels some myths about scholarships as well. RESOURCES: **Sponsor + Partners + Deals: https://www.marriagekidsandmoney.com/sponsors Tello: Cell phone bill too high? Find a plan with Tello for around $10 per month on the T-Mobile Network! Firstly: Smart budgeting tools and real-life advice to get you on the path to family financial wellness. Learn more today! MKM Instagram: Connect with me on social media and say hello! MKM Voicemail: Got a question? Leave me a voicemail.  Kristina Ellis (Website) Learn more about your ad choices. Visit megaphone.fm

After visiting friends in their beautiful updated homes lately, Nicole and I are feeling a little discontentment. We are a bit envious of their awesome abodes. But is that natural? Is contentment something we can talk about but never fully become? In this "BEST OF BREAD & WINE" episode from December 2020, Nicole and I explore this topic together and see what we can do about this situation.  RESOURCES: **Sponsor + Partners + Deals: https://www.marriagekidsandmoney.com/sponsors Firstly: Smart budgeting tools and real-life advice to get you on the path to family financial wellness. Learn more today! MKM Instagram: Connect with us on social media and say hello! MKM Voicemail: Got a question or topic? Leave us a voicemail.  Learn more about your ad choices. Visit megaphone.fm/adchoices

Caitlin wants to know if she should invest or buy a house. This is a tough decision that a lot of people grapple with especially as they become debt-free. Marcus Garrett, Financial Expert and Author of D.E.B.T. Free or Die Trying, shares some advice for Caitlin and why this decision doesn't have to be one or the other. Also, we're back with our Mortgage Free segment! Brendan Dale, from Cape Town, South Africa, shares how he paid off his mortgage in less than 5 years and what that means for him and his husband.  RESOURCES: **Sponsor + Partners + Deals: https://www.marriagekidsandmoney.com/sponsors Tello: Cell phone bill too high? Find a plan with Tello for around $10 per month on the T-Mobile Network! Firstly: Smart budgeting tools and real-life advice to get you on the path to family financial wellness. Learn more today! MKM Instagram: Connect with me on social media and say hello! MKM Voicemail: Got a question? Leave me a voicemail.  Marcus Garrett (Website) Marcus Garrett (Book) Brendan Dale (Website) Lear