BiggerPockets Money Podcast

• How to Save 50% of Your Income Without Sacrificing Your Lifestyle

  What if we told you that your path to financial independence isn't about picking the perfect stocks, timing the market, or earning a massive salary? In this revealing episode of BiggerPockets Money, hosts Mindy Jensen and Scott Trench cut through all the noise to focus on what actually matters: your savings rate. This isn't just theoretical advice—Mindy and Scott get personal, sharing their own savings journeys, including the costly mistakes they made and the pivotal breakthroughs that transformed their financial lives. This episode completely reframes the conversation around saving money. Instead of extreme penny-pinching that breeds resentment, Mindy and Scott explore "creative frugality"—intelligent strategies that help you save significantly more without feeling deprived. From small incremental changes that compound into thousands of dollars annually to innovative approaches for slashing major expenses, you'll walk away with immediately actionable tactics that prove financial independence isn't about sacrifice—it's about smart optimization. This Episode Covers: Why your savings rate matters more than your investment returns or salary Mindy and Scott's personal savings rate journeys and biggest mistakes Lifestyle optimization strategies that boost savings without reducing happiness The psychology behind sustainable high savings rates Creative approaches to cutting your three biggest expenses Why starting a side business accelerates your FIRE timeline Investment strategies that support aggressive savers How to increase your savings rate at different career stages Common savings rate mistakes that derail FIRE progress How small changes compound into life-changing financial results And SO much more! 00:00 How to Supercharge Your Savings Rate 01:14 Mindy and Scott’s Savings Rate 03:40 Strategies for High Savings Rates 11:50 Creative Ways to Reduce Expenses 20:02 Increasing Income 26:06 We want to hear from you! Learn more about your ad choices. Visit megaphone.fm/adchoices

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• Mr. Money Mustache’s Simple Secret to Retiring Early in Your 30s

  Pete Adeney, aka Mr. Money Mustache, joins BiggerPockets Money hosts Mindy Jensen and Scott Trench to break down the shockingly simple math behind early retirement. The man who started the FIRE movement and retired at 30 reveals why most people are overcomplicating financial independence—and why your savings rate is literally the only number that determines when you can quit your job. Pete doesn't just share theory—he walks through the real strategies, investment decisions, and mindset shifts that allowed him to achieve financial freedom in his thirties. Whether you're new to FIRE or looking to optimize your current approach, this episode cuts through the noise to deliver the foundational principles that actually work. This Episode Covers: The one metric that determines your entire FIRE timeline Why saving 50% gets you to FI in just 17 years (and the math behind it) How Pete retired at 30 and what his portfolio looked like The psychology of frugality and why it's actually liberating Pete's current thoughts on real estate investing for FIRE His take on Bitcoin and alternative assets in a FIRE portfolio Common FIRE mistakes that derail people's progress Why your income level matters less than you think Practical strategies for increasing your savings rate immediately The mindset shifts that make extreme saving sustainable And SO much more!00:00 The Basics of Early Retirement 01:02 The Shockingly Simple Math Behind Early Retirement 01:21 Understanding Your Savings Rate 05:41 Pre-Tax Savings and 401k Considerations 11:06 The 4% Safe Withdrawal Rate 13:09 Seven Levels of Safety in Early Retirement 28:44 The $50,000 Earner 31:51 Raising Kids on a Budget 35:17 Health Insurance in Early Retirement 41:39 Real Estate as a Retirement Strategy 46:41 Bitcoin and Speculative Investments 51:19 Connect with Mr. Money Mustache Learn more about your ad choices. Visit megaphone.fm/adchoices

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• How to Make Your FIRE Portfolio Even MORE Passive (Finance Friday)

  Today on the BiggerPockets Money Podcast, we're diving into an incredible success story. Meet Beau, a retired military professional who built a massive real estate empire and achieved financial independence in his thirties. But here's the twist: even with a winning formula, Beau wants his investments to work even HARDER while he works even LESS. In this Finance Friday episode, Beau opens up his entire financial playbook with hosts Mindy Jensen and Scott Trench. We're talking rental properties generating serious cash flow, private lending deals that most investors don't even know exist, and tax strategies so advanced they'll make your accountant jealous. This isn't your typical "I bought a duplex" story—this is next-level wealth building. If you're serious about real estate investing and want to see what's possible with the right strategy and execution, this episode is packed with actionable insights. In this episode, you'll discover: Beau's complete real estate portfolio breakdown and current cash flow numbers Advanced private lending strategies that generate consistent returns Tax optimization techniques for real estate heavy portfolios How to transition from active to passive real estate investing Strategic property sale timing and 1031 exchange considerations The pros and cons of private money lending versus traditional investments Portfolio diversification strategies for real estate investors How military discipline translated into investment success Specific steps to make your real estate investments more hands-off Risk management strategies for high-net-worth real estate portfolios And SO much more! 00:00 Beau’s FIRE Journey 02:43 Beau’s FI Number 04:52 Exploring Passive Income Options 09:53 Private Lending and Real Estate Portfolio Analysis 19:17 Evaluating Property Performance and Future Plans 28:54 Exploring Arbitrage in Real Estate Lending 33:32 Amortization and Long-Term Financial Planning 36:34 Balancing Private Lending and Real Estate Investments 44:32 Tax Strategies and Portfolio Diversification 54:51 Connect with Beau! Learn more about your ad choices. Visit megaphone.fm/adchoices

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• Mindy Tracks Her Net Worth Live w/ Monarch Money

  Ever wondered how financial experts ACTUALLY manage their own money? Mindy Jensen opens her real financial accounts LIVE on this episode! In this groundbreaking BiggerPockets Money podcast episode, hosts Mindy Jensen and Scott Trench deliver unprecedented financial transparency. Mindy tracks her personal net worth and finances in real-time using Monarch Money, giving you an authentic behind-the-scenes look at how a financial expert truly manages her money. This Episode Covers: Live demonstration of actual account connections Mindy's real spending patterns and financial habits Advanced Monarch Money features most people miss How to automate your entire financial tracking system Why regular financial reviews change everything Exclusive listener discount for Monarch Money (Get 50% off your 1st Year with the Promo Code POCKETS) Whether you're drowning in financial chaos or ready to level up your money management game, this episode shows you exactly how to centralize and streamline your finances like a true professional. 00:39 Why We Love Monarch Money 01:50 Tracking Your Net Worth 06:29 Setting Up Your Monarch Money Account 16:39 Budgeting How To 22:06 Tracking Spending  25:05 Total Net Worth 27:48 Setting Up Monarch Money 35:11 Sign up for Monarch Money Today! Learn more about your ad choices. Visit megaphone.fm/adchoices

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• The Secret to Retiring Early AND Spending More Money

  Retire earlier. Spend more. Live better. For most people, these sound like mutually exclusive goals—you can pick one, maybe two, but certainly not all three. Financial planner Aubrey Williams is here to prove that conventional wisdom wrong. Joining BiggerPockets Money hosts Mindy Jensen and Scott Trench, Aubrey introduces his revolutionary guardrails strategy that completely flips traditional retirement advice on its head. Instead of the rigid, fear-based approach that dominates most retirement planning, Aubrey's method shows you exactly how to create flexible spending rules that respond to real market conditions. This isn't just another investment strategy—it's a complete mindset shift. Aubrey walks through the psychological barriers that keep retirees from actually enjoying their money, then provides the practical tools and historical evidence you need to overcome them. Get ready for a masterclass in turning retirement anxiety into genuine retirement confidence, backed by decades of market data and real-world application. 00:00 Rethinking Early Retirement 01:24 Adjusting Spending in Retirement 02:30 Myths of Financial Independence 04:48 Tools for Decumulation 11:18 Guardrails for Safe Withdrawal 24:23 The Risks of Underspending 29:15 Introducing Risk-Based Guardrails 29:27 Building a Sample Portfolio 30:16 Adjusting Spending Based on Portfolio Performance 32:07 Historical Analysis and Guardrails 54:41 Connect with Aubrey! Learn more about your ad choices. Visit megaphone.fm/adchoices

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